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INFORMATION CENTRE

RTI – Section 4(1)(b)

Department of Refinance
Information required to be published under Section 4 (1) (b) of the RTI Act
 
Sanction of refinance to SCARDBs in ‘medium’ and ‘high risk’ categories
LONG TERM REFINANCE
For all institutions other than SCARDBs in ‘medium’ and ‘high risk’ categories
The delegation of power for sanction, rephasement an release of LT refinance is as under.
The policy/modalities for refinance in DoR are effected after taking approval from Board or various committees of the Board of NABARD. The meetings of the board/such committees and minutes thereof are not open to public.
Short Term and Long Term Mannuals were last updated in 2017-18
Sr.No. Particulars Information
(i) Particulars of its organisation, functions and duties Department of Refinance (DOR)
NABARD Head Office, Mumbai
Tel-022 26524926
Fax- 022 26530090
 
Functions
 
(i)Provides refinance support to banks against their short term, medium term and long term loans
(ii)Acts as a nodal agency for channelizing subsidy under various Government Sponsored Schemes
(iii)Administration of Interest Subvention scheme in respect of RRBs and Cooperatives for crop loans and SHGs under NRLM
(iv)Administration of Interest Subvention Scheme for Sugar Mills – Ethanol Production
(v)Compiles data of  Kisan Credit Card scheme in respect of RRBs and Cooperatives
 
(ii) The powers and duties of its officers and employees A. Delegation of Power- The power for sanction and release of refinance under various lines of assistance by NABARD have been delegated to officers in various grades as indicated below. These powers are exercised by the respective officers based on recommendations of Sanctioning Committees

SHORT TERM
A. Cooperatives
Purpose In charge of RO(CGM/GM) CGM, DoR HO ED
ST (SAO) Unrestricted - -
ST(SAO)- against pledge of securities Unrestricted - -
ST (Weavers)- Procurement and Marketing Activities of Apex/Regional Weavers Cooperative Societies - 50 100
ST(Weavers)- Trading in yarn by Apex/ Regional WCS - - 25
ROs headed by Officers in Grade 'D' will have powers in sanctioning ST(SAO) credit limits to Cooperative Banks upto `5.00 crore. In respect of ROs headed by officers in Grade ‘D’, CGM DOR HO is vested with unrestricted powers in sanctioning credit limits to StCBs with regard to ST(SAO), ST(OSAO) and ST(Weavers)- Production and Marketing Activities of PWCS

ST(Others)
(i)ST Credit limit for marketing of crops Unrestricted powers to the in-charges of RO (CGM/GM) to sanction credit limit under ST(Others)

(ii)ST limit for financing approved short term agricultural/allied activities

(iii)ST limit for finnacing pisciculture activities

(iv)ST credit limit for financing production and marketing activities of Primary Industrial Cooperative Societies, Labour Contract and Forest Labour Cooperative Societies

(v)ST credit limits for financing Apex/Regional Industrial Cooperative Societies (other than weavers)

(vi)ST credit limit for financing individual Rural Artisans through PACS

(vii)ST limit for financing procurement,stocking and distribution of chemical fertilisers

MT(Conversion) loans out of NRC (Stabilisation) fund including MT (Reschedulement/ Rephasement) loans Unrestricted (if RO headed by CGM) If RO headed by other than CGM -
LT loans to State Government u/s 27 of NABARD Act, 1981 for contribution to Share Capital of cooperative credit institutions - - Unrestricted
B.Regional Rural Banks      
Aggregate ST(SAO)ST (OSAO) credit limits Unrestricted - -
ST(Others)


Marketing of Crops Unrestricted - -
Refinance for financing pisciculture activities Unrestricted - -
MT(Conversion) loans out of NRC (Stabilisation) fund including MT(Reschedulement/ Rephasement) loans Unrestricted if RO headed by CGM) If Ro headed by other than CGM
ROs headed by officers in Grade 'D' will have powers for sanctioning aggregate ST (SAO) credit limits to RRBs upto `5.00 crore. In respect of ROs headed by officers in Grade ‘D’, CGM DOR HO is vested with unrestricted powers in sanctioning credit limits to RRBs with regard to ST(SAO) and ST(OSAO)
 
Sanctioning Committee at ROs (ST limits) 
 
The composition of the Committee for sanctioning various ST /MT credit limits to banks will be as under : 
 
 ROs headed by  Composition of the Sanctioning Committee
 Grade ‘F’  CGM, GM, DGM-in-charge of DoR(ST)
 Grade ‘E’  GM and two DGMs including the DGM-in-charge of DoR(ST)
 Grade ‘D’  DGM and two officers in Grade ‘C’/’B’
 



LONG TERM REFINANCE
For all institutions other than SCARDBs in ‘medium’ and ‘high risk’ categories
The delegation of power for sanction, rephasement an release of LT refinance is as under.

1.Sanction of schemes at RO level
Particulars/ Purpose Refinance Commitment (` lakh)
  CGM GM (OIC) GM DGM (OIC) DGM AGM
(i)ARF Unrestricted Unrestricted Unrestricted Unrestricted 100 40
(i)All other schemes irrespective of purpose 1500 300 300 200 100 -
2.Rephasement of Schemes
Particulars CGM/GM /DGM/OIC DGM AGM
Rephasement of schemes where refinance commitments or parameters are not revised Without restriction on number of times and years Maximum three years extension of original phasing Maximum 2 years extension of original phasing
Rephasement of schemes where financial outlay is revised or involves other changes in conditions of sanction By sanctioning authority within the delegated powers for sanction of schemes
 
3. Release of refinance
 
Particulars Refinance (` lakh)
  CGM GM (OIC) GM DGM (OIC) DGM AGM
(i)Drawals under ARF Unrestricted Unrestricted Unrestricted Unrestricted 100 40
(ii)Drawals under sanctioned schemes Unrestricted Unrestricted 300 Unrestricted 100 -

Sanction of refinance to SCARDBs in ‘medium’ and ‘high risk’ categories
 
Sr. No. Refinance amount (₹ crore) Authorized Officer
1 Up to ₹ 200 crore CGM, DoR, HO, Mumbai
2 Above ₹ 200 crore and up to ₹ 500 crore DMD
3 Above ₹ 500 crore Chairman
 
Delegation of Power
 
Government Sponsored Schemes- CGM/OIC of Regional Office can sanction and release capital subsidy/ interest subsidy/ grant/ revolving fund assistance/ other assistance of any nature out of funds placed with NABARD by Govt. of India/State Government or any other agency under the schemes that are being/will be implemented by NABARD.

B.Duties- The officers and employees perform the duties assigned to them to carry out all the functions of the department as outlined in para at serial no. (i) above.
 
Work Allocation –as given at (iii) below 
 
(iii) Procedure followed in the decision making process, including channels of supervision and accountability Procedure- The policy guidelines for release of refinance are issued to client banks on an annual basis at the beginning of the year. The modalities for release of subsidy/Interest Subvention are governed by the procedure prescribed in the respective schemes formulated by Govt. of India. The operational guidelines in this regard are issued by NABARD from time to time. 
Final decision making body –The details of delegation of powers are  as at point no (ii)
Related provisions, acts, rules – Regulation 11(2) of NABARD General Regulations, 1982
Supervision-  The prescribed guidelines are strictly followed by the functionaries. In order to further strengthen the system and procedure, the work done at a lower level is monitored/supervised by an authority at the higher level as per the chart given below
                                                           Chief General Manager 
                                                                            I
                                                              General Manager (3)
                                                                            I  
Policy (ST& LT), KCC Monitoring (ST& LT), Sugar , Interest Subvention Government Sponsored Schemes, Administration Cofinance, Coordination
1 DGM 2 DGM 1 DGM 2 DGM
1 AGM 2 AGM 2 AGM
1 Mgr 3 Mgr. 1 Mgr. 1 Mgr
1 AM 3 AM 4 AM 1 AM
2 SDA 2 SDA 4 SDA 2 SDA

Accountability- Accountability as per NABARD’s policy is followed
(iv) Norms set by it for the discharge of its functions
 
Functions are discharged within the overall framework of rules and regulations of NABARD, guidelines received from GoI and RBI and norms/parameters prescribed in various policy circulars issued by the Department. The norms for various functions are outlined as follows:

1 Refinance- Long Term 
1.1 Eligible Institutions
 
NABARD can give refinance assistance to Scheduled Commercial Banks, Regional Rural Banks, State Cooperative Banks, State Cooperative Agriculture and Rural Development Banks, District Central Cooperative Banks, Primary Urban Cooperative Banks, Small Finance Banks NBFCs/NBFC-MFIs etc. or any other financial institution, approved by Reserve Bank of India (RBI).
 
1.2 Eligible Purposes 
 
NABARD provides refinance for both Farm Sector and Non - Farm Sector activities.
 
1.3. Quantum of Refinance 
 
Quantum is subject to eligibility prescribed in our refinance policy from time to time
 
1.4 Rate of interest on refinance 
 
Rate of interest on refinance is reviewed from time to time taking into account the cost of funds, market conditions etc. 1.5Repayment Period
Repayment period is 3 years to 5 years and above
 
2 Refinance- Medium Term 
2.1. Eligible Institutions-  AllScheduled Commercial Banks, Regional Rural Banks, State Cooperative Banks, State Cooperative Agriculture and Rural Development Banks, District Central Cooperative Banks, Primary Urban Cooperative Banks, Small Finance Banks NBFCs/NBFC-MFIs etc. or any other financial institution, approved by Reserve Bank of India (RBI). 
2.2 Eligible Purposes
All investment activities under medium term purposes related to agriculture and allied activities are eligible. 
2.3. Quantum of Refinance
Quantum is subject to eligibility prescribed in our refinance policy from time to time
2.4 Rate of interest on refinance 
Rate of interest on refinance is reviewed from time to time taking into account the cost of funds, market conditions etc. 
2.5 Repayment period 
Minimum repayment period is 18 months and maximum is 3 years 
3.Long Term Rural Credit Fund:
The Fund was announced by GoI in the Union Budget 2014-15 to motivate Cooperative Banks and RRBs to extend agriculture term loans to the farmers at concessional rate of interest. This fund has been constituted with an initial allocation of Rs.5000 crore. During 2017-18 an amount of Rs.15000 cr. has been allocated under this fund. NABARD is providing refinance facility to Cooperative Banks and RRBs out of this fund to enable them to provide agriculture term credit at concessional rate 
4.Refinance-Short Term-
 
4.1-Short Term(Seasonal Agricultural Operations)
 
In order to ensure availability of timely credit to farmers, production-oriented system of lending is followed by banks. The system has features like assessment of credit needs, provision of credit for purchase of inputs like fertilizers, pesticides etc. Crop-wise and district wise scales of finance are fixed and adherence to seasonality in lending and recovery is ensured. Refinance is provided for the production purpose at concessional rates of interest to RRBs and to StCBs on behalf of District CentralCooperative Banks (DCCBs) by way of sanction of annual credit limits. Each drawal against the sanctioned credit limit is repayable within 12 months. 
This refinance is providedfrom Short Term Cooperative Rural Credit Fund(STCRC) and Short Term RRB Refinance Fund (STRRB) allocated by GoI/RBI out of shortfall in priority sector lending of Scheduled Commercial Banks 
4.2 Short Term Credit Refinance Fund: STCRC and STRRB
 
The fund is intended to augment resources of NABARD for extending short term (SAO) refinance to cooperatives and RRBs. The corpus of the fund is contributed by scheduled commercial banks having shortfall in achievement of priority sector target and sub-targets as decided by Reserve Bank from time to time. Accordingly banks contribute to the corpus announced in each year's budget. NABARD supplements this fund with open market borrowing for extending ST(SAO) refinance to cooperatives and RRBs. 
During the year 2017-18 an amount of Rs.45000 crore has been allocated under STCRC fund and Rs.10000 crore under ST(RRB)
4.3 Additional ST(SAO)
 
In view of banks facing liquidity constraints due to reasons like drought conditions and increased demand, withdrawal of deposits by CCBs etc. NABARD has started a new line of credit during 2016-17 to provide Additional Short-Term refinance for (SAO) to StCBs and RRBs over and above normal ST (SAO) limit, during the year 2016-17 out of market borrowings by NABARD
4.4 ST(Others) and Weavers
 
The ST ( Others ) and Weavers limit is sanctioned to banks for providing short term credit for purposes other than thosecovered under ST(SAO) viz. Agriculture and Allied Activities, Marketing of crops, Fisheries Sector etc and for meeting Working Capital requirement of Primary /Apex/Regional Weavers Coop Society , State Handloom Development Corporation etc.
5. Refinance-Medium Term Conversion
 
Refinance facility is available to StCBs and RRBs against the loans converted/ rescheduled / rephased of farmers affected by natural calamities under Medium term stabilization arrangement. The conversion facility in case of StCBs is shared by NABARD (60%), State Government(15%) and StCB (25%) and in the case of RRBs the sharing ratio is NABARD (70%), Sponsor Bank (25%) and RRBs(5%).
6 Long Term loan to State Govt.
 
Long Term Loans are provided by NABARD to State Government for contribution of share capital to cooperative credit institutions (StCBs /DCCBs/ SCARDBs /PCARDBs / PACS /FSS /LAMPS) for periods upto 12 years in order to strengthen the share capital base of these institutions and thereby increase their maximum borrowing power and enable them to undertake larger lending programmes; subject to certain conditions.
7. Interest Subvention under GoI Scheme for Financing of crop loan at 7% p.a. – 
The GoI had launched Interest Subventionscheme in the year 2006-07. As per the extant guidelines of GoI for the year 2017-18 Interest Subvention of 2% per annum is provided to Public Sector Banks ,Private Sector Banks (in respect of loans given by their rural and semi urban branches), Cooperative Banks and Regional Rural Banks on their own funds used for short term crop loans upto Rs.3,00,000/- per farmer provided the lending institutions make available short-term credit at the ground level at 7% per annum to farmers. 
 
In addition to above, a scheme was introduced from 2009-10 for providing additional interest subvention to the prompt paying farmers wherein presently 3% Interest Subvention as an incentive to prompt payee farmers is given. This subvention is available to farmers on the short term production credit upto maximum amount of Rs.3.00 lakh availed during the year. Thus the prompt paying farmers are getting short term crop loans @4% per annum from various banks. 
 
In order to discourage distress sale by farmers and to encourage them instead to store their produce in warehouses, the benefit of interest subvention will be available to small and marginal farmers having Kisan Credit Card for a further period of upto six months after the harvesting of the crop at the same rate as available to crop loan against Negotiable Warehouse Receipts issued for the produce stored in warehouses accredited with Warehousing Development Regulatory Authority
 
To provide relief to farmers affected by natural calamities, an interest subvention of 2 per cent per annum will be made available to banks for the first year on the restructured loan amount. Such restructured loans will attract normal rate of interest from the second year onwards as per the policy laid down by the RBI.
8 Kisan Credit Card-
Kisan Credit Card Scheme has been launched in the country to facilitate flow of adequate credit to farmers in a hassle-free and timely manner. Some of theprovisions of the scheme are as under:
 
Wider delivery channels : Operations through Branch/Cheque facility/BCs/ATM (debit card)/POS/Mobile handsets
More clarity in assessing credit needs (inclusion of post harvest / household/consumption needs up to 10% + maintenance expenses up to 20%)
Cost escalation built in for assessing the limit – Notional hike of 10% for fixing credit limit from second year onwards
Moreactivities covered under Term Loan
Emphasis on financingJoint Liability Groups
One time documentation at first availment and thereaftersimple declaration from second year
Moving towards accessing online land record and creation of charge.
 
9. Scheme for Extending Financial Assistance to Sugar Undertakings (SEFASU-2014)
 
Under the scheme for extending financial assistance to sugar undertakings (SEFASU-2014), financing banks provide loans to sugar mills to clear cane price arrears of previous sugar seasons and settle cane price of current sugar season in a timely manner, as per fair and remunerative price (FRP) periodically fixed by the central government. State Bank of India (SBI) was appointed the nodal bank to manage the subsidy for onward reimbursement to respective banks. On behalf of cooperative banks and RRBs NABARD coordinates the claims with SBI for reimbursement
10. Revival, Reform and Restructuring Package for Handloom Sector
 
The revival, reform and restructuring (RRR) package for handloom sector is being implemented since 2011-12. Twenty-seven states have signed tripartite MoUs for the centrally- sponsored plan scheme with GoI and NABARD. Under RRR, 39 Apex Weaver’s Cooperative Societies (AWCS), 9642 Primary Weavers Cooperative Societies (PWCS), 6310 SHGs and 54226 individual weavers have been assisted since the beginning. To settle claims under the package an amount of ` 741.03 crore was released by GoI in four tranches
11.Capital Investment Subsidy Schemes-
 
NABARD is the pass through agency for channelizing subsidy for various Government Sponsored Schemes implemented by GoI furnished as under:
 
(i)Dairy Entrepreneurship Development Scheme
(ii)National Livestock Mission
(iii)Agri Clinics and Agri Business Centres
(iv)National project on Organic Farming
 
The norms for execution of subsidy programmes is given in point no. (xii)
 
(v) Rules, regulations, instructions, manuals and records, held by it or under its control or used by its employees for discharging its functions.
The following manuals containing broad policy , procedures/rules documentation etc have been prepared for reference:
 
(i)Short Term Manual
(ii)Long Term Manual
(iii)Handbooks on Government Sponsored Schemes
(iv)Internal and external circulars are made available to staff members on the Bank's intranet and external circulars on Bank's website (www.nabard.org)
 
Modifications in the guidelines/operational instructions are made from time to time through issuance of circulars which are also uploaded on the website 
 
(vi) A statement of the categories of documents that are held by it or under its control
The following documentation are done for release of refinance-
 Release of LT Refinance 
 
A. General Refinance Agreement, Board Resolution- Executed by borrowing institutions and mandate for debiting their RBI/ Principal Banker’s  account in case of default for all agencies.
B. In case of StCBs  not satisfying the prescribed norms and SCARDBs  State Govt. Guarantee. 
C. In the event of Govt. guarantee (wherever required) not forthcoming, alternative security like pledge of Govt. Securities or pledge of FixedDeposit Receipts issued by scheduled banks or good working StCBs could be considered subject
D. Agreement for assignment / Hypothication of book debts, delivery letter and DP Note and acknowledgement of debts/securities in case of NBFCs/NBFC-MFIs,
 
Release of ST Refinance 
 
A. Loan Agreement, Mandate, DP note , NODC statements-by StCB/RRB 
B. In case of StCBs  not satisfying the prescribed norms State Govt. Guarantee. 
C. In the event of Govt. guarantee (wherever required) not forthcoming, alternative security like pledge of Govt. Securities or pledge of FixedDeposit Receipts issued by scheduled banks or good working StCBs could be considered subject


 
(vii) Particulars of any arrangement that exists for consultation with or representation by the members of the public in relation to the formulation of its policy or implementation thereof
Feedback from banks, farmers, rural entrepreneurs, members of public are obtained through our district offices, meetings, workshops, studies, training programmes etc. which are taken into account in the annual  review of policies/programmes  as well as while framing fresh annual  policies and programmes of the department..
(viii) A statement of the boards, councils, committees and other bodies consisting of two or more persons constituted as its part or for the purpose of its advice, and as to whether meetings of those boards, councils, committees and other bodies are open to the public, or the minutes of such meetings are accessible for public
The policy/modalities for refinance in DoR are effected after taking approval from Board or various committees of the Board of NABARD. The meetings of the board/such committees and minutes thereof are not open to public.
(ix) A directory of its officers and employees These particulars may be accessed from information furnished by HRMD
(x) The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations Click Here
(xi) Budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made Budget Allocated and Disbursements made:
Long Term Refinance – Position as on 30.09.2018
                                                                                                                               'crore
Agency Target for 2018-19 Achievement as on 30.09.2018
Commercial Banks 40000.00
41285.00
RRBs
12000
7406.32
StCBs
7500
5391.27
SCARDBs
3000
1272.70
NBFCs/PUCB/ ABF(AP)/ NABKISAN/ NABFINS 4000.00
3751.21
Total 66500
56515.57
 
Short Term Refinance – Position as on 31.03.2018

                                                                                                                            `crore
Agency Target for 2018-19 Achievement as on 30.09.2018
ST-SAO

StCB
45000
10908.70
RRB 10000
2830.75
Total
55000.00
13739.45
Additional ST(SAO)
15000.00
17818.14
ST(Others) and Weavers
3000.00
857.45
Total
73000
32415.04
 
Government Sponsored Schemes
                                                                                                                                  ` crore
S.No Name of the Scheme Cumulative Subsidy Disbursed as on 30.09.2018
1 Dairy Entrepreneurship Development Scheme
1345.74
2 Poultry Venture Capital Fund (Subsidy) scheme
295.93
3 Integrated Development of Small Ruminants and Rabbits
165.25
4 Pig Development
86.69
5 Salvaging and Rearing of Male Buffalo Calves
0.79
6 Agri Clinics and Agri Business Centers
76.42
7 National Project on Organic Farming
27.11
(xii) Manner of execution of subsidy programmes, including the amounts allocated and the details of beneficiaries of such programmes
The ongoing capital subsidy schemes channelized by NABARD are listed at (iv) pt No 9.
 
1. Agri Credit and Agri Business Centre (ACABC)-
Objective-Supplementing the efforts of public extension by facilitating qualified agriculture professionals to set up agri-ventures that can deliver value-added extension, advisory services, etc to farmers at their door steps.
Availability of Subsidy -  Composite subsidy of 44% of the project cost for women, SC/ST and all categories of candidates from NER and Hilly States and 36% of project cost for all other beneficiaries is provided under the scheme.
Procedure- The Regional Offices of NABARD scrutinize the proposals of subsidy claims received from banks and sanction the subsidy. The consolidated subsidy claims are sent to Dept. of Refinance, NABARD, Head Office by the ROs which places an indent for funds to GoI based on the claims from ROs. Based on availability of funds from GoI, the claims received from Regional Offices are confirmed for release to the respective banks.
 
2. National Project on Organic Farming (NPOF)-
 
Objective - To promote commercial production of organic inputs like bio-fertilizers, vermi-culture hatchery, fruit and vegetable waste compost units.
Availability of Subsidy -  Capital subsidy of 25%  with ceiling of Rs.40 lakh (Bio fertilizer-bio pesticide unit); 33% (fruit and vegetable market waste compost unit) with ceiling of Rs.60 lakh is provided under the scheme. 
Procedure- Same as ACABC claims
Target - These schemes are demand  driven.
 
3. Animal Husbandry Schemes-
 
A. Dairy Entrepreneurship Development Schemes (DEDS)
 
Objective-To encourage modern dairy farms for production of clean milk, heifer rearing farms for conservation of good breeding stock and to bring about up gradation of quality and traditional technology to handle milk on a commercial scale and changes in the unorganized sector so that initial processing of milk can be taken up at the village level itself.
Availability of Subsidy -  Capital Subsidy of 25% (33.33% to SC/ST beneficiaries) of TFO  subject to activity based financial ceilings is provided to entrepreneur 
 
Procedure - NABARD has launched a software for DEDS from 05.09.2017 for online submission, scrutiny, sanction and release of Government Sponsored Subsidy Schemes applications. The software is expected to reduce drudgery at bank and NABARD level and bring about efficiency and transparency in the process of releasing subsidy
B.National Livestock Mission-Following 4 schemes are subsumed under NLM w.e.f 21.05.2014. 
 
 Sr No Scheme Objective
 1 Poultry Venture Capital Fund (Subsidy) Scheme To encourage poultry farming activity,, improving production of poultry products, hygienic sale of poultry meat and products in urban areas through poultry dressing and marketing outlets
 2 Pig Development Scheme To encourage commercial pig rearing by farmers to improve performance of native breed through cross-breeding. 
 3 Integrated Development of Small Ruminants and Rabits (IDSRR) To encourage sheep/goat/rabbit rearing farmers to go for commercial rearing, improve the production performance of the native breed by regular selection and culling
 4 Salvaging of Male Buffalo calves for rearing male buffalo calves for meat production Increasing the availability of buffalo meat for domestic and export markets, to provide raw material base for leather industry
 
Capital subsidy of 25% -60% is provided to entrepreneur depending upon category of farmer and area subject to activity based financial ceiling
Procedure : Software for online submission, scrutiny and release of subsidy under NLM will be launched shortly and all the claims under NLM thereafter will be settled online on the lines of settlement of claims under DEDS 
Target- GoI provides annual budget for release of subsidy under DEDS and NLM schemes
 

Language in which information manual/hand book available
(i) Short Term and Long Term Mannuals are in English
(ii) All circulars and handbooks on GSS are bilingual

When was the manual/ handbook last updated 
Short Term and Long Term Mannuals were last updated in 2017-18

Information available in electronic form
All circulars as well as relevant information is  available in soft form on NABARD’s website
(xiii)
Particulars of facilities available to citizens for availing information  organisation
Grievance Redressal Mechanism exists in NABARD. The information may be sought under RTI Act by individual / agencies.
(xiv)
Such other information as may be prescribed under the section 
All the grievances pertaining to short term and long term refinance, interest subvention and subsidies under ongoing GSS schemes received through  grievance redressal portal, webmaster and e-mails are replied. 
The information under VIP references and RTI is given.