RTI – Section 4(1)(b)

Micro Credit Innovations Department
Information required to be published under Section 4 (1) (b) of the RTI Act
Sr.No. Particulars Information
(i) Particulars of its organisation, functions and duties
Micro Credit Innovations Department
NABARD Head Office, Mumbai Tel-022-26539244, Fax-022-26528141
  • Micro Credit Innovations Department (mCID) under NABARD design appropriate products and delivery channels to facilitate smoothening financial services to unreached segment through SHG andJLGs.
  • Providing expert opinion on various forums/committees constituted by GoI/RBI.
  • Documenting best practices and bringing our publications including status of microfinance in India for facilitating policy advocacy.
  • Supporting capacity building for various stake holders
  • Policy & Strategy/ Coordination/ Collaborations with External Agencies/ Administration.
  • Capacity Building/ Financial Inclusion Fund (FIF)/ Promotional grants for SHG/JLG/ conduct of Seminars, Workshops and Colloquium.
  • Studies and Publications
  • MoU with RRBs for financing of JLGs.
  • Digitisation of SHGs- EShakti
(ii) The powers and duties of its officers and employees
In case of promotion for SHG-BLP the delegation of power is as in the table-
Sl. No Items of Expenditure Delegation of powers for sanction of funds for supporting SHG-BLP
1 Grant assistance for promotion and credit linkage of SHGs per agency. RO-in-Charges can sanction grant assistance upto 1000 SHGs in case of all states except A & N, Goa and all NER (including Sikkim) states excluding Assam where it is upto 500 SHGs.
2 Training and capacity building etc per agency.
CGM HO-upto   10lakhs CGM-RO upto   5lakhs GM/OIC-  2 lakhs
All proposal exceeding the above limits recommended by PSC of RO will be put up to TMBGSC HO for approval.
(iii) Procedure followed in the decision making process, including channels of supervision and accountability
Policy: Policies on various schemes being implemented by mCID are formulated at HO level based on the feedback received from field as well as from clients.
Implementation and Monitoring: Implementation and monitoring of the schemes is done by both RO as well as MCID HO.  
Financial transactions:  All financial transactions are subject to concurrent audit and RBI inspection.
(iv) Norms set by it for the discharge of its functions
Functions are discharged within the framework of rules and regulations of NABARD and as per the guidelines received from GoI and RBI. Detailed circulars have been issued by the department and based on the criteria/ parameters laid down in these instructions, the cases are scrutinized.
(v) Rules, regulations, instructions, manuals and records, held by it or under its control or used by its employees for discharging its functions.
Hard / Soft copies of circulars, guidelines are available in ROs/HO, as also in corporate website at as well as corporate intranet which are accessed by staff for disposing of cases/ proposals.

(vi) A statement of the categories of documents that are held by it or under its control
Documents relating to sanction of project, acceptance of terms and conditions and grant release are kept at HO/RO level as the case may be.
(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
Seminars, Conferences and Workshops are being conducted regularly at various level for awareness creation as well as getting policy inputs from various stakeholders.

(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
  1. Board of Directors of NABARD
  2. Executive Committee
  3. Management Committee
  4. Top Management Sanction Committee
  5. Business and Grant Project Sanction Committee
  6. SHG BLP Strategic Board
  7. Advisory Board of FIF
MCID is getting guidance and advice from the boards / committees. The minutes of these board / committee meetings are not accessible to public.

(ix) A directory of its officers and employees Available at below link: Directory of its Officers and Employees
(x) The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations  
(xi) Budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made
Bottoms up approach is followed in the setting up of target/allocation of budget for ROs/ TEs and HO. It is aggregated at HO level and monitored on a monthly basis.
(xii) Manner of execution of subsidy programmes, including the amounts allocated and the details of beneficiaries of such programmes Not applicable
(xiii) Particulars of recipients of concessions, permits or authorisations granted by the organisation  
SHGs,  NGOs, Banks, Cooperatives, Federations, NGO-MFIs, Development Depts.

(xiv) Details in respect of the information available to or held by it, reduced in an electronic form  
Various schemes of mCID, Circulars, statistics with regard to SHG/ JLG / disbursements etc. are already available in the microfinance page of website at

(xv) Particulars of facilities available to citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use As stated above, exhaustive information about mCID activities are available on our website.
(xvi) The names, designations and other particulars of the Public Information Officers
Available on below link
(xvii) Such other information as may be prescribed and thereafter update these publications every year. Status of microfinance in India which is a yearly publication by the department.