NABARD is the apex development bank in India that was established in 1982 to facilitate credit and other support services for agriculture and other rural sectors. It has its headquarters in Mumbai and branches across all states and union territories. NABARD's vision is to facilitate sustained access to financial services for unreached rural poor through microfinance innovations. It plays a key role in providing refinance to rural lending institutions and promoting rural development through programs like production credit, farm loans, and rural infrastructure development. The recent union budget allocated additional funds to schemes supported by NABARD and increased agricultural credit targets, which will help boost rural development.

2. Topic

3. Agenda
Introduction
Headquarters & Branches
Vision & mission
Hierarchy of NABARD
Role
Banking Services
Financial Operation
Impact Of Union Budget On NABARD
Recommendation
Conclusion

4. Introduction
The committee of Mr. B. Sivaraman
recommended the establishment of NABARD, on
November 28, 1979.
 The parliament through the act 61 of 81
approved its setting up in July 1982.
Set up with initial capital of Rs.100 crore,
increased to Rs.2,000 crore, fully subscribed by
the government of india and the RBI.

5. Apex bank for facilitating credit for promotion
and development of agriculture, small-scale
industries, cottage and village industries,
handicrafts and other rural crafts.
It also support to all other allied economic
activities in rural areas and secure prosperity
of rural areas.

6. Headquarters
Bandra-Kurla Complex ,
Bandra , Mumbai, Maharashtra

7. Branches
NO STATE /REGION CITY
1 Andaman and Nicobar Port Blair
2 Andhra Pradesh Hyderabad
3 Arunachal Pradesh Itanagar
4 Assam Guwahati
5 Bihar Patna
6 Chhattisgarh Raipur
7 Goa Panaji
8 Gujarat Ahmedabad
9 Haryana Chandigarh
10 Himachal Pradesh Shimla
11 Jammu & Kashmir Jammu
12 Jharkhand Ranchi
13 Karnataka Bangalore
14 Kerala Thiruvananthapuram

8. NO STATE /REGION CITY
15 Madhya Pradesh Bhopal
16 Maharashtra Pune
17 Manipur Imphal
18 Meghalaya Shillong
19 Mizoram Aizwal
20 Nagaland Dimapur
21 New Delhi New Delhi
22 Orissa Bhubaneswar
23 Punjab Chandigarh
24 Rajasthan Jaipur
25 Sikkim Gangtok
26 Tamil Nadu Chennai
27 Tripura Agartala
28 Uttar Pradesh Lucknow
29 West Bengal Kolkata

9. Vision
To facilitate sustained access to financial services
for the unreached poor in rural areas through
various micro Finance innovations in a cost
effective and sustainable manner.

10. Mission
By the end of year 2015, we have planned to link
nearly 9.2 crore households which would
ensure coverage of more than 50% women
through SHG (Self-Help Group) Bank linkage
program.

11. Chairman
Managing Director
Board Of Director
Executive Director
Head Office
Departments
Regional
Offices
Sub Office Special Cell
District Development
Offices
Training
Establishments
Hierarchy of NABARD

12. Chairman & Managing Director
Mr. Rakesh Singh
(Chairman)
Dr. K. G. Karmakar
(Managing Director)

13. Directors
Dr. K. C. Chakrabarty
Lakshmi Chand
Shashi Rekha
Rajagopalan
P. K. Basu

14. B. K. Sinha Alok Nigam R. K. Meena
A. K. Sinha K. Jayakumar M. I. Khandey

15. Role
Primary role:
Providing refinance to lending institutions in rural
areas .
Bringing about or promoting institutional
development .
Evaluating, monitoring and inspecting the client
banks .

16. NABARD also:
Acts as a coordinator in the operations of rural credit
institutions.
Extends assistance to the government, the RBI and other
organizations for rural development.
Training and research facilities for banks, cooperatives
and organizations working in the field of rural
development .
Acts as regulator for cooperative banks and RRBs.

17. NABARD also:
Helps the state governments in reaching their
targets of providing assistance agriculture and rural
development .
Apex institution accredited with matters concerning
policy, planning and operations in the field of credit for
agriculture and activities in rural areas.
It prepares, rural credit plans for all districts in the
country on annual basis.
It promotes research in the fields of rural banking,
agriculture and rural development.

18. Banking Services
Production credit
Kisan Credit Cards
Farmers' Club Program
Tribal Development Fund
Microfinance Program
Village Development Program

19. Farm Innovation and Promotion Fund
Rural Infrastructure Development Fund

20. Financial Operation
Sources of funds Amt(31/03/2011)
(crore)
Share %
Capital, Reserves & Surplus 13,863 8.7
National rural credit Funds 16,045 10.1
STCRC Fund 14,622 9.2
Deposits 277 0.2
RIDF Deposits 67,878 42.7
Bonds & Debentures 26,788 16.9
Certificates of deposits 137 0.1

21. Sources of funds Amt(31/3/ 2011)
(crore)
Share %
Term Money Borrowings 110 0.1
Commercial Paper 6,448 4.0
Borrowings from GoI 124 0.1
Foreign Currency Loan 503 0.3
Borrowings against STD 360 0.2
Other Liabilities/Funds 11,717 7.4
Total 1,58,872 100.0

22. Application of funds Amt (31/03/2011)
(crore)
Share %
Cash and Bank Balance 10,537 6.6
Government Securities and
other Investments
5,868 3.7
CBLO 228 0.1
Production and Marketing Credit 33,885 21.3
Conversion of Production Credit
into MT Loans
193 0.1

23. Application of funds Amt (31/03/2011)
(crore)
Share %
MT & LT Project Loans 38,896 24.5
LT Non Project Loans 167 0.1
Loans out of RIDF 66,078 41.7
Co Finance Loans 88 0.1
Other Loans 182 0.1
Fixed & Other Assets 2,750 1.7
Total 1,58,872 100.0

24. Impact Of Union Budget On
NABARD
Agriculture estimated to grow at 2.5% in FY12
Interest subvention scheme for short term crop
loans to farmers at 7% interest per annum
extended to FY13
Many storage facilities has been given by
government
Rs. 100 bn allocated to NABARD for refinancing
Regional Rural Banks (RRBs)
An increase in allocation to Rashtriya Krishi Vikas
Yojana (RKVY) Rs78.6bn in FY11 to Rs 92.2bn in
FY12

25. The allocation for "Bringing Green Revolution to
Eastern India" (BGREI) increased from Rs4bn to
Rs10bn in FY12
Bank credit to agriculture increased to Rs5,750bn
from Rs4,750bn
Proposes to provide Rs159bn for capitalisation of
PSBs, RRBs including NABARD
various bills has been introduced to attempts to
roll forward the process of financial sector
legislative reforms
This budget has created macro level platform to
those who will start new business in agriculture,
infrastructure and manufacturing sectors.

26. Recommendation
Public sector bank.
Environment of the bank.
Liberty to express views
Preference to work.

27. Conclusion
As the financial system has grown rapidly, Nabard
has taken initiative that credit made available
by small and marginal farmers is productively
employed. Other bank should also take
initiative as Nabard is taking the initiative.