NABARD provides various loans and schemes to promote rural development in India. This includes short term loans up to 12 months, medium term loans for activities like crop conversion, and long term loans for 5-15 years for infrastructure development. Interest rates for refinance assistance ranges from 4.5% to 8.5% depending on the loan purpose and duration. NABARD also implements various schemes for activities like dairy entrepreneurship, capital investments for organic inputs production, rural godowns, and agriculture marketing infrastructure. Eligible projects for agriculture, fisheries, food processing and other sectors are considered for bank loans with subsidy and margin money requirements.

1. NABARD Norms
A SINGLE LECTURE FOR WHOLE NORMS BY NABARD

2. About NABARD

3. Features of
NABARD
Schemes
Training Training handicraft artisans
Implementin
g
Implementing Government’s development schemes
Designing Designing new projects for rural development
Supervising Supervising Regional Rural Banks (RRBs) and Cooperative
Banks
Guiding Guiding banking sector in achieving their credit targets
Preparing Preparing credit plans at district level
Building Building infrastructure in rural areas
Providing Providing support by refinancing or funding

4. Types of
Loan

5. Short Term
Loans
NABARD has sanctioned short-term credit loan of
amount Rs. 55,000 cr to several financial institutors
in the financial year of 2017-18.
Each withdrawal against the sanctioned credit limit
is repayable within 12 months.
Refinance is provided for production purposes at
concessional rate of interest to State Cooperative
Banks (SCBs) and Regional Rural Banks (RRBs) by
way of sanction of credit limits.

6. Medium
Term
Conversion
In case of RRBs, NABARD’s refinance is to the
extent of 70% of eligible amount with sponsor
banks share at 25% and RRB’s share at 5%.
NABARD provides refinance to StCBs in case of
conversion to the extent of 60% of eligible amount
with State Govt.’s share at 15% and StCBs/DCCBs
share at 25%.
The conversion of ST(SAO) loans would be
available where the crop loss has been 33% or
more.

7. Long Term Loan
Long Term Loan are given for 5-15 years
NABARD has refinanced around Rs. 65,240
cr for financial institutions in the FY 2017-18
that also include concessional refinance of
Rs. 15,000 cr to Corporative banks and
Regional Rural Banks (RRBs).
it aims to increase its long-term on-lending
or refinance portfolio to about Rs 80,000
crore in the current fiscal 2018-19

8. DETAILS OF RATES OF INTEREST CHARGED BY
NABARD
Short Term refinance assistance:
State Cooperative Banks, DCCB and RRBs for financing crop loans 4.50
Commercial Banks./RRBs in respect of their finance to PACS towards crop loans 4.50
Long Term refinance assistance
LT loan to State Govt. for contribution to share capital of coop. credit institutions 8.50
RRBs/ StCBs/SCARDBs
Refinance for 5 years and above 8.35
Refinance for 3 years to less than 5 years 8.45
Refinance for 18 months to less than 3 years 8.35

9. Functions of
NABARD
Providing financing services for the improvement and development
of rural India
Organizing and managing funding programs for agriculture and
farming activities
Policy making for rural financial institutions
NABARD provides funding services for the development of food
parks and food processing units in designated food parks
NABARD offers lending services to warehouse and cold chain and
cold storage infrastructure
It provides short-term and long-term refinance services to its
customers also providing direct refinance services to cooperative
banks
It offered credit facilities to marketing federations
Specialises in providing long-term irrigation and rural infrastructure
development funds

10. Schemes by
NABARD

11. Dairy Entrepreneurship Development Scheme
Capital Investment Subsidy Scheme for Commercial Production
Units for Organic or Biological Inputs
Rural Godowns
Agriculture Marketing and Infrastructure Grading
Standardizations
Agriclinic and Agribusiness Centres Scheme
Solar Schemes
Agricultural Marketing Infrastructure
National Livestock Mission
Interest Subvention Scheme

12. NABARD
Norms

13. Terms to know
What is
NABARD
Norms
Tube wells
with SPV (Solar
Photovoltaic)
Moratorium
Stocking &
Post Stocking
in fisheries
Project Cost
Financial
Outlay
operational
cost
Margin Money
Bank loan &
Subsidy
Recurring cost

14. ONION
STORAGE
STRUCTURES
Onion bulbs are generally stored from
May to November.
Storage temperature should be 30 degree
C and Humidity 65-70%
The onion storage structure should be
oriented in the North - South direction i.e.,
length facing the East-West direction.

15. WATER PUMPSET MODEL
The discharge of a
solar pump with array
area (Panel Area) of 2-
4m varies from 6-8 lit/s
at a head of 15- 50 m.
This could irrigate
about 1.5 - 4 ha of
land.

17. TYPES OF STRUCTURES
Dugwell with
SPV
• Benefitting
Area (ha.): 1.0
Borewell with
SPV
• Benefitting
Area (ha.): 1.6
Shallow Tube
wells with SPV
• Benefitting
Area (ha.): 2.0

18. Composite
Fish Culture
Water depth of 2 meters can be used for fish
culture purpose and minimum level should
not fall below one meter.
The pond will be ready for stocking after 15
days of application of fertilizers. Fish
fingerlings of 50- 100 gm size (approx) should
be used for stocking @ 5000 nos. per hectare.
The recommended feeding rate is 5 - 6 % of
the body weight up to 500 gmsize of fish and
then reduce to 3.5% of body weight from
500- 1000gm size.

19. Species and Feeding habit
Species Feeding Habit Feeding Zone
Indian Major Carp
Catla Zoo plankton feeder Surface feeder
Rohu Omnivorous Column feeder
Mrigal Detrivorous Bottom Feeder
Exotic Carp
Exotic carps
Silver carp Phytoplankton feeder Surface feeder
Grass carp Herbivorous Surface, column and
marginal areas
Common Carp Detrivorous/Omnivorous Bottom feeder

20. Harvesting
Harvesting is generally done
at the end of 1st year, when
the fishes attain average
weight of 800 gm to 1.25 kg.
With Proper management a
production of 4 to 5 tons/ha
can be obtained in a year.

21. Repayment: Repayment
of bank loan is possible
in 8 years with 1-year
moratorium (temporary
prohibition of an activity)
Subsidy for Fisheries
(NFDB) will be 40%
and 60% as per the
guidelines of Blue
revolution scheme

22. Fish Cold Storages
Capacity of cold stores normally ranges between 1,000 MT and 10000 MT.
The International Institute of Refrigeration recommends a storage temperature of -18°C for
lean fish such as cod and haddock and -24°C for fatty species such as herring and mackerel.
Fish are therefore normally stored at −18 to −29 °C (0 to −20 °F), resulting in a variable shelf
life ranging from a few weeks to almost one year.
Frozen must be stored at a constant temperature of −23 °C (−10°F) or below in order to
maintain a long shelf life and ensure quality.

23. Project Cost
Costs will depend to a great extent on the
location of the site. The cost of
construction of 1000 MT, 2000 MT and
3000 MT capacity including land cost and
machinery and other equipment’s works
out to Rs.175 lakh, Rs.395 lakh and
Rs.600.50 lakh respectively.

24. INTENSIVE
FISH
CULTURE
The average productivity from ponds at
present is to the tune of 2160 kg/ha/year.
The capital cost for excavation of 1 Ha
pond works out to be Rs 3,02,500/- and
the recurring cost as Rs 2,88,075/-.
Organic manuring may be done in
monthly instalments @ 1000 kg/ha.

25. FOOD AND
VEGETABLE
PROCESSING
UNIT

26. Canned
fruit pulp
and
vegetables:
In case of pickling, The fruits and
vegetables are immersed in 5–10
per cent salt solution (brine) leading
to lactic acid fermentation.
The natural sugars present in fruits
and vegetables are converted to
lactic acid at 25°C.
Fresh fruits contain more than 80 per
cent water and 10 to 15 per cent
sugars.

27. Squash
As per Indian Standards, squash should contain at least 25 per cent (by volume) of fruit
juice.
The squashes are consumed after dilution by drinking water in 1:3 ratio.
A project cost of Rs.74.78 Lakh has been estimated . For a small scale fruit and vegetable
processing unit, a plot of land measuring 0.5 acre, with built-up area of 3850 sq ft is
considered sufficient.
An interest rate of 12 per cent for working out the bankability of the model project.
The margin money varies from minimum 10 per cent to 25 per cent of project cost. We have
assumed margin money of 25 per cent in this model scheme.

28. Model
bankable
project on
Poplar based
agroforestry
Poplar (Populus deltoids) is one of the fast growing
multipurpose tree species which can be grown as a mono
crop as well as in association with agricultural crops.
Poplar being a deciduous species adds tremendous
amount of leaf litter to the soil and is considered to be
one of the best species for agroforestry.
Poplar grows well in the subtropical climate where the
temperature extremes are not too severe.
It does not perform well on saline, alkaline (pH>8.0), dry
sandy soils, waterlogged areas and hard clays.
Cuttings obtained from the middle of the main shoot with
diameter between 1-3 cm perform better.

29. The best time of planting is middle of
February. The distance to be kept is 80
cm row to row and 60 cm plant to
plant.
The plants are ready for harvest in 6th
year when they attain a girth of about
75-90 cm.
Margin money varies from 5% to 25%
depending upon the type of
investment and the class of borrowers.

30. Model
Bankable
Project on Hi-
Tech
Agriculture
There are two
approaches of
cultivation:
Greenhouse / poly
house system and
open-air system.

31. Classification of
greenhouses:

32. Greenhouse
type based on
shape:
a) Lean to type greenhouse.
b) Even span type greenhouse.
c) Uneven span type greenhouse.
d) Ridge and furrow type.
e) Saw tooth type.
f) Quonset greenhouse.
g) Interlocking ridges and furrow type Quonset greenhouse.
h) Ground to ground greenhouse.

33. Greenhouse type based on Utility:
a) Greenhouses
for active
heating.
b) Greenhouses
for active
cooling.

34. 3.
Greenhouse
type based
on
construction
a) Wooden
framed
structure.
b) Pipe
framed
structure.
c) Truss
framed
structure.

35. 4.
Greenhouse
type based on
covering
material
a) Glass glazing.
b) Fiber glass reinforced plastic (FRP)
glazing (Plain sheet, corrugated sheet.)
c) Plastic film (UV stabilized LDPE film,
Silpaulin type sheet, Net house)
d) Based on the cost of construction
(High cost Green House, Medium cost
Green House, Low cost Green House)

36. Computerized green houses

37. The poly houses are constructed
with the help of ultraviolet plastic
sheets, so that they may last for
more than 5 years. Sheets are
usually of 1501-micron thick plastic
sheet.

38. Crops Suitable for Polyhouse
Cultivation
Tomatoes.
Cucumbers.
Coriander (Cilantro)
Eggplants (Brinjal).
Okra (Lady Finger).
Green beans.
Bell Peppers (Capsicum).
Cabbage.
Spinach.
Chilli.
Carrots.
Broccoli.
Microgreens.
Lettuce.
Summer Squash.
Leafy vegetables.

39. Fruit crops:
Watermelons.
Peaches.
Strawberries.
Raspberries.
Citrus fruits.

40. Environmental
control
Relative humidity control: The
maximum achievable relative humidity is
90% only in fan regulated (FR)
greenhouse. The RH in Nonventilated
(NV) GH can be increased by providing
foggers.

41. Cost involved
in Polyhouse
construction
For low cost/low tech polyhouse
without exhaust fan systems and
cooling pads = Rs.400 to
Rs.500/square meter.
Medium cost/medium tech polyhouse
with cooling pads and exhaust fan
systems (without automation) = Rs.900
to Rs.1200/square meter.
Hi-tech polyhouse with fully automatic
control system = Rs.2500 to
Rs.4000/square meter.

42. There are 2
types
polyhouse
costs, we can
consider
Fixed cost: Land, office room, labor
rooms, packing room, cold storage
rooms, and other fixed items like
drip and sprinkler systems.
Variable/Recurring cost: Manures,
fertilizers, pest and disease control
chemicals, planting materials,
electricity, and transportation
charges come under recurring
expenses.

43. Financing
Aspects
50% of cost subject to a
maximum of 3500 per 500 m2
limited to 2 ha per beneficiary
will be given as subsidy for
shade nets also.
The national Mission on Micro
irrigation offers a subsidy of
60% of system cost for small
and medium farmers.

44. FARM
MECHANIZATION

45. RURAL GODOWN
Small sized
godowns :
Capacity of 50,
100, 200 and 250
Medium sized
godowns: Capacity
of 500, 1000 MT
and 2000 MT
Large sized
godowns: Capacity
above 2000 MT

46. Assumptions
for financial
analysis
Cost of construction – Rs.2800 per MT
Bank Loan – 75%
Interest rate – 12%
Repayment period – 10 years with one year grace
period
Maximum capacity utilization is 90%
Maximum Storage for 10 months

47. ANIMAL
HUSBANDARY
The average productivity (per day milk
yield) of cross bred, indigenous cows
and buffaloes in India was 7.02 Kg,
2.36 Kg and 4.89 Kg

48. Dairy Farming
As per the NABARD India accounts for about 57.3 per cent of the world’s buffalo
population and 14.7 per cent of the cattle population.
In case of Dairy the items of finance would include capital asset items such as
purchase of milch animals, construction of sheds, purchase of equipment etc.
For high value projects, the borrowers can use Consultancy Services (NABCONS).
Margin depends on the category of the borrowers and range from 10 to 25%.
Rate of interest as 12 % p.a.
Security will be as per NABARD/RBI guidelines issued from time to timeThe loan will
be repaid in suitable monthly/quarterly instalments usually within a period of five to
seven years.

49. Biomass Production: Moringa
vs Other Fodder Crops
Sr. No. Crop Biomass Production MT/ha/Year
1. Moringa 650
2. Napier grass 350
3. Cereals in rotation 200
4. Berseem 100
5. Sorghum 55
6. Cowpea 45

50. Pig Farming
A sow can be bred as early as 8-9 months of age and can farrow twice in a year.
They produce 6-12 piglets in each farrowing.
Pig has dressing percentage ranges from 65 - 80 in comparison to other livestock species
whose dressing yields may not exceed 65%.
Pork is rich in vitamins like thiamin, Niacin and riboflavin.
Pig farming provides quick returns since the marketable weight of fatteners can be
achieved with in a period of 6-8 months.
Pork production in India is limited, representing only 7% of the country’s animal protein
sources
Margin depends on the category of the borrowers and may range from 10% to 25%
interest as 12% p.a

51. Poultry Broiler Farming
Rearing period is 5-6 weeks only
More number of flocks can be taken in the same shed
As per the NABARD per capita availability of poultry meat in India is only 2.96 kg which is way below
the ICMR recommendation of 11 kg meat per capita per annum
In the early nineties, contract farming for broilers was introduced and in 1995
The loan is disbursed mostly in 2 stages viz., construction of sheds / other civil structures, purchase of
equipment and machinery, recurring cost on purchase of chicks, feeds, medicines, etc.
Margin depends on the category of the borrowers and may range from 10% to 25%.
Rate of interest is assumed at 12.50% p.a.
Usually the repayment period of loan for broiler farming is 6 to 8 years.

52. Poultry Layer Farming
Present availability of 74 eggs is far below the ICMR recommendation of 180 eggs per
capita per annum.
Only 6% of the eggs produced in the country are converted into processed egg products
mainly for export.
For high value projects, the borrowers can utilise the services of NABARD Consultancy
Services (NABCONS) who are having wide experience in preparation of Detailed Project
Reports.
Margin depends on the category of the borrowers and may range from 10% to 25%.
Rate of interest is assumed at 12.50% p.a.
The loan will be repaid in suitable monthly/quarterly installments usually within a period of
seven to nine years with first year as grace period.

53. Sheep Farming
Sheep with its multi-facet utility for wool,
meat, milk, skins and manure, form an
important component of rural economy
particularly in the arid, semi-arid and
mountainous areas of the country.
Rate of interest is assumed at 12.00% p.a
Usually the repayment period of loan for
sheep farming is 6 to 8 years.

54. Model
scheme on
Automatic
Milk
Collection
Stations
The capacity of Automatic Milk Collection
Stations is to analyse 120 to 150 samples per
hour.
a) Fat measurements : 0 - 13% b) Measuring
capacity : 120 to 150 operations per hour. c)
Power supply : AC 220 to 240 watts 5O HZ.
An average unit cost of Rs.1.25 lakh including
the cost of battery has been considered.
Repayment has been fixed at 7 years for the
model project.
Interest rate is considered at 13.5% pa.

55. Custom Hiring Centres (CHC)
Highest use of mechanical power is in the order of 3.5 kw/ha in Punjab
and less than 1kw/ha in States like Bihar, Orissa, Jharkhand etc.
Sub Mission on Agricultural Machinery (SMAM) is one initiative
towards increasing the mechanization.
The cost of the unit works out to Rs. 15.50 lakh, which includes cost of
construction of a workshed of 500 sq. ft.

56. Azolla Fodder Plot
Azolla is an aquatic floating fern, found in temperate climate suitable for paddy cultivation.
The Blue Green Algae cyanobacteria (Anabaena azollae) present as a symbiont with this
fern in the lower cavities actually fixes atmospheric nitrogen.
The rate of nitrogen fixed is around 25 kg/ha.
It can fix atmospheric CO2 and nitrogen to form carbohydrates and ammonia respectively
and after decomposition it adds available nitrogen for crop uptake and organic carbon
content to the soil.
It solubulises Zn, Fe and Mn and make them available to the rice.
Azolla can be a substitute for chemical nitrogenous fertilizers to a certain extent (20 kg/ha)
and it increases the crop yield and quality.

57. Comparison of biomass and protein
content of Azolla with other fodder

58. Azolla cultivated for fish feed, is grown in situ in the pond.
The biomass production under natural condition i.e. in rice field is only
50 g/ sq.m/day as against optimum production of 400 g/sq.m/day.
Azolla can be supplemented with regular feed of the animal @ 2-2.5 kg
of azolla per animal.

59. Drip Irrigation
In terms of savings of water (50-60%) of that
required for flow irrigation.
A drip system is not suitable for clayey or
gravely soils.
Best results with this system are obtained with
medium textured soils.
If single emitter is provided, it must be placed
15-30 cm. from the base of the plant.

60. Spacing and Plant Population of
Important Plants/Crops

61. Infiltration Rate of Soil

62. Average season wise pan evaporation

63. Desired Storage
Environment of
Fruits and
Vegetables in the
cold storage

65. Orange 0 - 10 85 - 90
Peach -1 - 1 88 - 92
Potato 1.5 - 4 90 - 94

66. Thank You