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About Us

Department of Economic Analysis & Research

The Department of Economic Analysis and Research (DEAR) was set up to provide policy and action-oriented research support on issues of relevance to NABARD, the government and other stakeholders. It specializes in knowledge-driven activities relating to agriculture and rural development, as per the mandate of NABARD.

The strength of the department lies in the cadre of professional economists and its ability to network and collaborate with other reputed institutions.


“To develop into a quality research wing of NABARD that conducts and coordinates research to generate ideas, help evolve policy inputs, evaluate policy alternatives that would help the management in realising the objectives of the organisation and produce research output that improves NABARD’s understanding of the dimensions of rural credit in particular and overall rural development in general.”

Core Functions

A. Provide policy inputs to the management through research studies:

  • Conduct in-house studies and other research activities through subject matter specialists within the organisation at the Head Office and Regional Offices.
  • Conduct studies in collaboration with reputed research institutions on state/region-specific issues.

B. Managing Research and Development (R&D) Fund

The R&D Fund was established by the bank in accordance with the provisions of the NABARD Act, 1981, to extend grant support broadly for the following purposes:

  • Research Projects/Studies

Studies and research projects supported under the R&D Fund aim at acquiring new insights into the problems of agriculture and rural development through in-depth studies, applied research and innovative approaches. In FY 2023-24, the studies sanctioned covered a variety of areas like assessing farmers’ participation and challenges in linking Agricultural Produce Market Committee (APMC) mandi markets by e-National Agricultural Market (e-NAM), an economic analysis of supply chain and post-harvest losses of apricot in the UT of Ladakh, determinants and constraints of credit flow to the agricultural sector in Odisha, etc. During FY 2022-23 and FY 2023-24, the following study reports were completed:

Sr. No. Name of the Study Click to read report
1 Coastal Watershed-Based Surface and Sub-Surface Salinity Mapping and Modelling of Thiruvallur District, Tamil Nadu for Sustainable Brackish Water Agriculture - A Research Study
2 Improving Operational Efficiency of RRBs Post Amalgamation
3 Harvesting Gold in Indian Agriculture: Study of Success Stories in Agriculture and Allied Sectors Across the Country
4 Entrepreneurial Empowerment Support for the “My Pad My Right’ Initiative in the State of Goa
5 Study of APMC Regulated Markets in Tripura
6 An Analytical Study of Value Chain Financing to High Value Agriculture in Eastern UP
7 One District, One Crop: A Study of Crop Value Chains in Manipur
8 Using Whole Banana Plant for Food & Fibre to Improve Income & Productivity
9 A Study on Credit, Marketing & Sustainability Issues of Handloom Industry in & Outside Cooperative Sectors
10 Tenancy and Credit: Exploring Facts Below the Crust
11 Assessing the State of Affairs in Indian Agriculture with a Focus on Credit & Insurance and Storage & Marketing
12 Prospects of India's Demand and Supply for Agricultural Commodities Towards 2030
13 Zero Budget Natural Farming- Implications for Sustainability, Profitability and Food Security
14 Rainfall and Tank Storage: Relooking the Tank Performance with Time Tested Tank Storage Pattern Using Tank Cascade Approach in Tamil Nadu
15 Terminal Evaluation of Adaptation Fund Project titled ‘Climate Proofing of Watershed Development Projects in the States of Tamil Nadu and Rajasthan
  • Research Chronicle
  • Research Chronicle is a biannual publication of DEAR which aims to facilitate greater readership, outreach and better internalization of the findings of studies supported under Research and Development Fund of NABARD. It is a compilation of research articles wherein the principal investigators (PIs) of the studies summarize the crux of the research undertaken in an article form with a focus on implementable policy recommendations. The following issues of Research Chronicle have been released so far:

  • Seminars/Conferences/Webinars, etc.
  • The R&D Fund is also utilised for sponsoring seminars to help disseminate research findings across stakeholders. By extending support towards seminar publications, NABARD strives to spread research inputs on themes related to agriculture and rural development in multi-fold spheres and help relevant policy formulation.

  • NABARD Chair Unit Scheme
  • The NABARD Chair Unit Scheme is designed to establish strong research linkages with reputed institutions, with the objective of pursuing extensive research in NABARD’s areas of interest.

  • Occasional Papers/Research and Policy Series
  • DEAR brings out Occasional Papers/Research and Policy Series, on topical issues relevant for operations of NABARD. The papers in this series have covered topics ranging from climate change to agricultural price policy, value chain, start-ups, livestock, etc. highlighting various issues, policy relevance, prescription, and suggestions for future papers on the themes of interest to NABARD. These are uploaded on our website to reach out to a larger audience. The papers released under this series are as under:

Sr. No. Name of the Publication Click to read publication
1 Agricultural Price Policy for Ensuring Food Security in India
2 Under the Shadow of Development: Rainfed Agriculture and Droughts in Agricultural Development of India
3 Startups Digitising Indian Food System Innovations, Survival and Investment
4 Climate Change and Risk Management in Indian Agriculture
5 Agricultural Technologies in India: A Review
6 Agricultural Challenges and Policies for the 21st Century
7 Groundwater Markets and Agricultural Development: A South Asian Overview
8 Livestock, Agricultural Growth and Poverty Alleviation
9 Tank Irrigation in India: Future Management Strategies and Investment Options
10 Institutions for Agriculture and Rural Development: A Case Study of Water Institutions in India
11 Sustainable Meat Value Chain and Enhanced Farmers' Income
12 Trends and Behavioural Patterns of Credit-Deposit Ratios of Scheduled Commercial Banks
13 Changing Structure of Rural Livelihood in India
  • Policy Brief
  • NAB Policy Brief highlights the major findings and policy recommendations prepared in a short and crisp form based on research work carried out by NABARD under R&D Fund. The following issues of NAB Policy Brief have been released so far:

Sr. No. Name of the Publication Click to read publication
1 Policy Brief on Climate Change and Risk Management in Indian Agriculture
2 Policy Brief on Rainfed Agriculture and Droughts in Agricultural Development in India
3 Policy Brief on Sustainable Meat Value Chain and Enhanced Farmers’ Income
4 Policy Brief on Trends and Behavioural Patterns of Credit-Deposit Ratios of Scheduled Commercial Banks in India
5 Policy Brief on Startups Digitising Indian Food System Innovations, Survival and Investment Policy brief on Climate Change and Risk Management in Indian Agriculture
6 Policy Brief on Agriculture Value chains in India
  • Student Engagement
  • NABARD has been engaging with the student community through Student Internship Scheme (SIS) from 2oo5-o6. The objective of the Scheme is to assign short-term tasks/projects/studies useful and relevant to NABARD. We have broadened the ambit of our engagement with the student community and included new schemes to our ambit, namely, (i) NABARD Gold Medal Scheme and (ii) NABARD Citation for Outstanding Doctoral Thesis prize.

C. Annual Report of NABARD

The department brings out the Annual Report of NABARD which documents a comprehensive picture of the major activities undertaken by NABARD in the previous financial year. It also carries the audited accounts for the relevant year along with key statistical statements as an adjunct.

NABARD Annual Report 2022-23 offers a look into our interventions towards a sustainable future, inclusive development through community-driven institutions, rural infrastructure financing, the financial health of Rural Financial Institutions (RFIs), what NABARD is doing to improve their effectiveness and efficiency, and how the apex institution is transforming itself through its people, processes, and policies, while ensuring its own financial well-being. Because of International Year of Millets (IYM) and Government’s commitment in promoting millets, FY23’s annual report had a theme chapter on Millets titled “Millets for Health and Wealth.” This chapter provides a brief context to India as the cradle of global millets production and presents a case to tap the enormous and growing market potential in India and abroad of conscious consumption that will take care of the health of the planet as well as its people. It also provides a comprehensive roadmap for developing a vibrant millet-based ecosystem in the country. Another significant part of this chapter is the initiatives of NABARD in millet promotion in an annexe at the end of the chapter with a QR code provided therein, leading directly to the annexe that resides at the URL: In line with the theme chapter and IYM, the high-contrast cover page also reflects this theme with ‘Shree Anna’ or a golden millet kernel being the focus. This year, we have also provided a section on Corporate Governance, owing to SEBI (Listing Obligations and Disclosure Requirement) guidelines.

Click here to read the full report.

D. Impact Report

NABARD’s initiatives have had multifaceted impact on the rural landscape. It has touched millions of lives, and these numerous stories were waiting to be narrated to the world. To present the ground level impact of NABARD’s endeavours, DEAR has prepared the maiden issue of the ‘Impact Report’ for FY 2022-23. This report has been prepared based on Global Reporting Initiatives (GRI) standards of reporting. It is linked with the Sustainable Development Goals (SDGs) of the UN. The Report gives an opportunity to convey the impact of our interventions, initiatives, and innovations, within the triple bottom line approach i.e., People, Planet and Profit.

Click here to read the full report.

E. Tracking the Economy

DEAR had evolved a data tracking system, titled Rural Economy Tracker (RET) by bringing all important data relating to various aspects of the rural economy of India together. The same has now been remodeled and prepared in the form of fortnightly/monthly bulletins (‘EcoWatch’, ‘EcoThink’) highlighting the state of the economy, including outlook on interest rate movement, inflation, bond yields, etc.

F. Support to Committees/Expert Working Groups

DEAR provides inputs to various committees for discussions in various fora on wide ranging topics such as Rural Distress, Value Chains, Doubling Farmers’ Income (DFI), FPOs, Agricultural Growth, Climate Change and Social Stock Exchange. The department and its officers provide academic/secretarial support to the Committees where NABARD has a role.

G. Central Library

DEAR maintains a well-stocked Central Library at its Head Office with over 25000 books besides journals, newspapers, magazines and on-line subscriptions, as knowledge support to its officials.

H. In-House Research/Studies/Publications:

DEAR conducts in-house research and brings out reports on issues of relevance to Indian agriculture and rural development.

(a) In House Booklets

(b) Working Papers

Sr. No. Name of the Publication Click to read report
1 Five Decades of India’s Agricultural Growth across Crops: Emerging Trends and Patterns
2 NAFINDEX: Measure of Financial Inclusion based on NABARD All India Rural Financial Inclusion Survey (NAFIS) Data
3 Regional Disparities in Institutional Credit to Agriculture in India: A District Level Analysis
4 Composition and Pattern of Livestock Products’ Export in the Context of WTO Regime
5 India’s Trade of Agricultural Commodities during COVID-19 Pandemic: Performance and Prospects
6 Trends and Patterns in Agriculture Credit in India: A District Level Analysis of Uttar Pradesh
7 Growth and Trade Performance of Indian Fisheries: Trends and Constraints

(c) Rural Pulse

NABARD publishes Rural Pulse, a short policy prescription based on analytical research by staff which acts as a platform for knowledge dissemination. To date 39 issues of Rural Pulse have been published. A few such publications are as under:

Sr. No. Name of the Publication Click to read publication
1 NAFINDEX: Measure of Financial Inclusion based on NABARD All India Rural Financial Inclusion Survey (NAFIS) Data
2 Sparking Yellow Revolution in India Again
3 Indian Handloom Sector: A snapshot
4 Market Vulnerabilities and Potential of Horticulture Crop in India
5 COVID-19 Crisis through a Reverse Migration Lens
6 Approach to Measuring Farmers’ Welfare
7 Financing Agricultural Value Chains: With FPOs as Pivots
8 Nutri-Cereals for a Healthy Economy
9 Credit Guarantee- A De-Risking Tool in Rural Finance

(d) Insight

Insight is a new series that serves as a mechanism to get quick feedback from the ground on topical issues through our network of District Development Managers. The analysis from the data gathered would be presented in a short and crisp manner. Three editions have been released, of which two were released during FY23.

(e) Eco Focus

Eco Focus is a new initiative of the Department covering thematic notes on contemporary issues such as soaring milk prices, volatility in Tomato, Potato and Onion prices.

Sr. No. Name of the edition Click to read publication
1 Soaring Milk Prices: Issues and Concerns*
2 Volatility in TOP and Role of Agri Value Chain
3 Spiralling Tomato Prices: Issues and Concerns

Papers/Articles by Officers in reputed journals on topical issues

Officers in NABARD have been contributing articles in reputable journals on topical issues related to the domain of NABARD. The details of recent publications are as under:

Sr. No. Name of the Publication Click to read publication
1 Financial Inclusion in India
2 Farmers’ Welfare in India- A State-wise Analysis
3 Rural Credit: Can We Make it More Inclusive?
4 Trends and Performance of India's Agricultural Trade in the Midst of COVID-19 Pandemic
5 Growth and Issues in Agricultural Credit with Special Reference to Uttar Pradesh: A District Level Analysis
6 Institutional Credit Flow in Northeastern Region: Issues and Solutions
7 Market Vulnerabilities and Potential of Horticulture Crops in India: With Special Reference to TOP Crops
8 Understanding of FPOs Business Ecosystem and Strategies to Tap Potential

Contact Information

Dr. K.C. Badatya
Chief General Manager
2nf Floor, ‘B’ Wing, C-24, ‘G’ Block
Bandra-Kurla Complex, Bandra (East)
Tel: (91) 022 – 26523617
E-mail Address:

Information under RTI – Section 4(1)(b)

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