1

Orientation Programme for BMs and Senior Officers of CCBs and SCBs

Duration(days)

05

No of Programmes

30

Target Groups

Branch Managers and Senior Officers of CCBs and SCBs

Objectives

The programme aims at equipping the Branch Managers and Senior Officers of CCBs and SCBs with adequate skill, aptitude and knowledge to play their role more efficiently and effectively in the changing banking scenario.

Course Contents

1. Changing banking scenario-challenges before cooperative banks-roles and responsibilities of BMs-coordination and liasioning-business plan.

2. Important provision of various Acts as applicable to cooperative societies-NI Act, BR Act, Co-operative Societies Act.

3. Business Diversification- New business opportunities-Financial Inclusion-SHG/JLG/FC/Micro Insurance-GoI/NABARD Scheme.

4. Deposit mobilisation –Branch as profit centre-Profit planning in Branch Business Development and Break even analysis-Improving fee based income.

5. Credit Management-Credit Appraisal(FS and NFS)

6. Risk Management and Asset Liability Management.

7. Prudential norms-income recognition–asset classification–provisioning–capital adequacy norms-NPA & Recovery Management – Documentation of loans & advances.

8. Internal control system, compliance of audit &inspection report- prevention of fraud & vigilance – MIS submission of returns to controlling offices.

9. Customer relationship management –KYC norms-PML Act 2001, Customer Protection Act 1986.

10. Computerisation – An overview of Hardware & Software – IT Security.

11. House keeping in branch – Interpersonal relationship & communication.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

2

Workshop on KCC

Duration(days)

02

No of Programmes

01

Target Groups

Bankers/Representatives of NABARD HO & ROs

Objectives

The workshop aims at detailed deliberations on various issues relating to effective implementation of KCC Scheme, bringing out possible alternative solutions for effective implementation of the scheme at ground level as well as suggestions for policy level modifications.

Course Contents

1. Genesis of KCC Scheme

2. Model Scheme for KCC

3. Mechanisation for Fixation of Scale of Finance

4. Production Oriented system of lending/financing of crop production and other activities

5. Crop Insurance and Personal Accident Scheme

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

3

Government Sponsored Programmes

Duration(days)

02

No of Programmes

01

Target Groups

RRBs/Coop banks

Objectives

The programme aims at equipping the trainees with basic knowledge about various government sponsored programmes and to motivate them to dovetail the schemes into their lending programmes so that national policy initiatives are translated into actual results at the grassroots level.

Course contents

1. Scheme for development/strengthening of Agricultural Marketing Infrastructure, grading and standardisation- Capital Investment Subsidy Scheme for Rural Godowns- salient features.

2. Establishing Agri Clinics and Agri Business Centres by agriculture graduates- scheme for Pig Development – salient features.

3. Scheme for establishing Poultry Estates and Mother Units for Rural Backyard Poultry – Scheme for salvaging and rearing of male buffalo calves- salient features.

4. Scheme for Integrated Development of Small Ruminants and Rabbits – CISS for commercial production of units of organic inputs- Dairy Entrepreneurship development scheme–salient features.

5. Poultry Venture Capital Fund(subsidy) Scheme, Scheme for utilisation of fallen animals – salient features.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

4

Sensitisation Training Programme on Capital Subsidy cum Refinance Scheme for financing Solar Off Grid Application

Duration(days)

3

No of Programes

10

Target

RRB Branch Managers/other officers

Objectives

The programmes aims at sensitising the Branch Managers and other officers of RRBs about the salient feature of the “Capital Subsidy-cum-Refinance Scheme for financing Solar Grid Application” and also motivating them to increase their lending portfolio and motivating them to increase their lending under the scheme.

Course Contents

1. Overall energy scenario – importance of financing solar energy in the context of growing energy requirement, environment and economy.

2. Salient features of the Guidelines issued by GoI/NABARD.

3. Financial Appraisal of loan proposal- bankability aspect, monitoring and follow up.

4. Technical aspects of various solar powered applications – lighting and heating.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

4. Exposure visit

5

SHG Bank Linkage with focus on JLG, TFG & Farmers’ Club

Duration(days)

02

No of Programmes

21

Target Groups

Bankers/NGOs/Govt Officials

Objectives

The programmes amis at reaffirming that financing through SHGs, JLGs, TFGs and FCs is business proposition for the bankers and also as a supplementary channel to reach the unreached, bank in the unbanked areas and also use Farmers Clubs as a extended arm of the banks in purveying credit to the marginal, landless tenant cultivators, etc. in a group mode through the formation of SHGS, JLGS, TFGs and FCs.

Course Contents

1. SHG – concept and functioning of SHG, maintenance of records.

2. Different linkage models prescribed by NABARD

3. NABARD initiatives for SHG Bank Linkage programmes through SHPI.

4. Innovations in Micro-finance – initiatives taken by NABARD.

5. Concept of Farmers’ Club-Role of Farmers’ Club in SHG formation

6. SHG Federation and promotion of Micro enterprises.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

6

Cluster Development Workshops with emphasis on financial analysis and outcome based monitoring

Duration(days)

3

No of Programmes

1

Target Group

NGO/LBO/Bank/Govt/NABARD Officials

Objectives

The Workshop aims at deliberating thoroughly on concepts, various issues relating to development of clusters with focus on financial analysis and outcome based monitoring.

Course Contents

1. Problems and prospects in rural sector – importance of cluster approach – project approach- project cycle.

2. Cluster development programme of NABARD – guidelines and features including methodology for resource mapping and action planning

3. Role of NGOs and other agencies in cluster development – case study

4. Convergence of schemes of other agencies operating in the cluster.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

4. Exposure visit

7

Programme for Federations of FCs/SHGs for promotion of JLGs/TFGs & Producers’ Organisation

Duration(days)

02

No of Programmes

03

Target Groups

JLG,TFG & Producers’ Organisations

Objectives

The programmes aims at making the participants understand the concept, formation, function, characteristic and financing of JLGs/TRGs and Producers’ Organisations in Farm and Non-Farm Sector.

Course Contents

1. Microfinance in India, concepts, formation, functions and characteristics of JLG/TFG, stages of development - initiatives taken by NABARD for promotion, linkages and development of JLGs/TFGs.

2. Promotion of Producers’ Organisation – Stages of Development – Role of Federation of Farmers’ Clubs/SHGs.

3. Financing of JLGs of Micro entrepreneurs/artisans in Non Farm Sector.

4. Financing of JLGs of small farmers/marginal farmers/tenant farmers/oral lessees and share croppers.

5. Operational issues relating to promotion and linkage of JLGs/TFGs – experience sharing.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

8

Project appraisal techniques for farm and non-farm sectors

Duration(days)

05

No of Programmes

02

Target Group

RRBs/Coops

Objectives

The progarmme aims at equipping the participants with basic techniques of appraising of Farm and Non-Farm Sector projects with a view to ensuring adequate credit flow both in terms of working capital and block capital to the deserving units which ultimately aims at increasing livelihood and income earning opportunities in rural and semi-urban areas.

Course Contents

1. Importance of project lending, concept of project cycle and component of project cost

2. Appraisal techniques for farm sector projects

3. Appraising a farm sector project - a case exercise

4. Assessment of working capital requirements – various committees’ recommendations with a case exercise.

5. BEP Analysis and profitability analysis with case exercise.

6. Financial health analysis of units with case exercise

7. Documentation and effective monitoring

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

4. Field visit

9

Training Programme for CEOs of NGOs

Duration(days)

03

No of Programmes

01

Target Group

NGOs

Objectives

The programme aims at empowering the NGOs and bringing in better understanding about the Financial Inclusion and to ensuring adequate flow of microfinance through formation and linkage of SHGs, JLGs, FCs and also through assistance of Business Facilitators and Business Correspondents.

Course Content

1. Micro-Finance in India – concept, formation, functions and characteristic features of SHGs – stages of development

2. Linkage model, maintenance of books and records – assessment norms and documentation

3. Financial inclusion – concept, microfinance, SHGs, FCs, BFs/BCs model, IRV etc for ensuring financial inclusion.

4. Operational problems, status, target vis-à-vis achievement, strategy and initiatives taken by RO in SHG Bank Linkage, MEDP, JLG, FC and financial

5. Inclusion.

6. Role of Farmers’ club in SHG Formation, role of SHPI, NGOs, banks & IRV in promoting and nurturing of SHGs.

7. Micro-finance under JLGs, Wadi project

8. Innovation in Microfinance - initiatives taken by NABARD.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

10

Programme for NGOs on REDPs/SDPs for NE Regions

Duration(days)

03

No of Programmes

02

Target Groups

NGOs/LBOs/Bank/Govt/NABARD Officials

Objectives

The programme aims at capacity building of the NGOs so as to increase their understanding and effective implementation of NABARD Promotional programme viz. REDPs/ SDPs, etc. in the North Eastern Region.

Course content

1. Relevance of Non-Farrn sector in rural development

2. Rural non-farm sector - concept – industry definition

3. Promotional schemes of NABARD for RNFS

4. REDP – Operational Guidelines

5. Skill Development Initiatives(SDIs) – Guidelines

6. Scheme for sanctioning rural haat, rural mart, collaboration with postal department for showcase scheme

7. Scheme for SUDHA, ARWIND, DEWTA, MAHIMA

8. Rural tourism, rural sanitation scheme.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

4. Field Visit

11

Programme on Asset Liability Management

Duration(days)

03

No of Programmes

01

Target Groups

RRBs/Cooperatives

Objective

The programme aims at providing the participants a clear understanding about the importance of Asset Liability Management and its impact on profitability o the bank and also perceiving, measuring and mitigating the various risks.

Course contents

1. Factors affecting bank’s profitability – concept of risk in banking – various types of risks - CRAR Norrms - Tier I and II Capital

2. ALM concept, need and relevance, ALM policy – salient features – ALM structure(ALCO) – objectives, functions – preparation of agenda items review, recording of proceedings and follow-up of ALCO decisions, prudential limits- tolerance levels – three pillars of ALM.

3. Credit risk – concept, impact on balance sheets, assessment – control and management.

4. Operational risk management – concept, identification, measurement – control – MIS Generation validation, review and reporting of data – case exercise.

5. Liquidity risk – identification – assessment – management and control – balance sheet analysis – maturity profile of cash flow – maturity mismatch – liquidity risk – case exercise.

6. Interest rate risk – concept, assessment , control and management, net interest income and net interest margin – preparation of gap statement – case exercise.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

12

Trainers’ Training Programme on Financial Inclusion

Duration(days)

3

No of Programmes

2

Target Groups

Stakeholders/TEs/FMs from CBs Eastern region and NER

Objective

The programme aims at providing detailed inputs on various aspects of Financial Inclusion so as to prepare them as Master Trainers on Financial Inclusion.

Course contents

1. Extent of Financial Exclusion – reasons – issues involved - impact on agriculture and development – role of banks in Financial Inclusion – experience sharing

2. Addressing exclusion - use of ICT and demonstration

3. Guidelines related to BC/BF & main recommendations of committee on FI

4. Financial Inclusion – RBI/NABARD instructions, FIF, FITF, features and issues involved.

5. SHGs, JLGs, financing of landless farmers – importance in achieving financial inclusion, addressing the demand side issues and financial literacy

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

4. Field visit

13

Workshop on SHG, BLP for small and medium NGOs

Duration(days)

3

No of Programmes

01

Target Groups

NGOs

Objectives

The programmes amis at reaffirming that financing through SHGs, JLGs, TFGs and FCs is a business proposition for the bankers and also as a supplementary channel to reach the unreached, bank in the unbanked areas and also use Farmers Clubs as a extended arm of the banks in purveying credit to the marginal, landless tenant cultivators, etc. In a group mode through the formation of SHGS, JLGS, TFGs and FCs.

Course contents

1. SHG – concept and functioning of SHG, maintenance of records.

2. Different linkage models prescribed by NABARD

3. NABARD initiatives for SHG Bank Linkage programmes through SHPI.

4. Innovations in Micro-finance – initiatives taken by NABARD.

5. Concept of Farmers’ Club-Role of Farmers’ Club in SHG formation

6. SHG Federation and promotion of Micro enterprises.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

14

Programme for Operational Functionaries – Govt Officials

Duration(days)

3

No of Programmes

01

Target Groups

Govt Officials

Objectives

The programme aims at equipping the trainees with basic knowledge about various government sponsored programmes and to motivate them to dovetail the schemes into their lending programmes so that national policy initiatives are translated into actual results at the grassroots level.

Course Content

1. Scheme for development/strengthening of Agricultural Marketing Infrastructure, grading and standardisation- Capital Investment Subsidy Scheme for Rural Godowns- salient features.

2. Establishing Agri Clinics and Agri Business Centres by agriculture graduates- scheme for Pig Development – salient features.

3. Scheme for establishing Poultry Estates and Mother Units for Rural Backyard Poultry – Scheme for salvaging and raring of male buffaloe calves- salient features.

4. Scheme for Integrated Development of Small Ruminants and Rabbits – CISS for commercial production of units of organic inputs- Dairy Entrepreneurship development scheme–salient features.

5. Poultry Venture Capital Fund(subsidy) Scheme, Scheme for utilisation of fallen animals – salient features.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method

15

On-site SHG Bank Linkage programme for DDOs/DDMs/MCIC Officials

Duration(days)

5

No of Programmes

01

Target Groups

NABARD Officials

Objectives

The programmes amis at reaffirming that financing through SHGs, JLGs, TFGs and FCs is a business proposition for the bankers and also as a supplementary channel to reach the unreached, bank in the unbanked areas and also use Farmers Clubs as a extended arm of the banks in purveying credit to the marginal, landless tenant cultivators, etc. In a group mode through the formation of SHGS, JLGS, TFGs and FCs.

Course Contents

1. SHG – concept and functioning of SHG, maintenance of records.

2. Different linkage models prescribed by NABARD

3. NABARD initiatives for SHG Bank Linkage programmes through SHPI.

4. Innovations in Micro-finance – initiatives taken by NABARD.

5. Concept of Farmers’ Club-Role of Farmers’ Club in SHG formation

6. SHG Federation and promotion of Micro enterprises.

Methodology

1. Lecture Method

2. Presentation Method

3. Discussion Method