Citizen’s Charter

National Bank for Agriculture and Rural Development (NABARD) was established on 12 July 1982 by an Act of the Parliament. NABARD, as a Development Bank, is mandated for providing and regulating credit and other facilities for the promotion and development of agriculture, small scale industries, cottage and village industries, handicrafts and other rural crafts and other allied economic activities in rural areas with a view to promoting integrated rural development and securing prosperity of rural areas, and for matters connected therewith or incidental thereto.
Development Bank of the Nation for Fostering Rural Prosperity.
Promote sustainable and equitable agriculture and rural development through participative financial and non-financial interventions, innovations, technology and institutional development for securing prosperity.
NABARD is wholly owned by Government of India.
NABARD, with its Head office at Mumbai, has 31 Regional Offices located in States and Union Territory, a cell at Srinagar, 03 Training Establishments in the Northern, Eastern & Southern parts of India and 423 District Development Managers functioning at district level. NABARD has 2386 professionals supported by 1193 other staff. (Data pertains to 31 March 2020).
The major functions of NABARD include promotion and development, refinancing, financing, planning, monitoring and supervision.
Non-credit related:
  • Credit Planning and Monitoring, Coordination with various agencies and institutions.
  • Assist in policy formulation of GoI, RBI and State Governments on matters related to agricultural credit and rural development
  • Institutional development and capacity building of Cooperatives and Regional Rural Banks (RRBs) to strengthen the rural credit delivery system. Statutory inspection of Regional Rural Banks (RRBs), State Cooperative Banks and District Central Cooperative Banks (DCCBs), voluntary inspection of State Cooperative Agriculture and Rural Development Banks (SCARDBs) and their off-site surveillance
  • Promotional and developmental initiatives in the areas of farm, off-farm, micro finance, financial inclusion, Convergence with Govt sponsored programmes.
  • Supporting the financial inclusion efforts of Regional Rural Banks and Cooperative Banks
  • Thrust on promotion of livelihood opportunities and Micro Enterprises  
  • Capacity Building of Personnel and Board Members of Credit Cooperatives and Staff of Rural Financial Institutions.
  • Support to research and development, rural innovations, etc.  
Credit related:
  •  Refinance to Rural Financial Institutions for investment credit (long term loan) and production and marketing credit (short term loan) purposes for farm and off-farm activities in rural areas.
  • Loans to State Governments for developing rural infrastructure and strengthening of the Cooperative Credit Structure
  • Loans for warehousing infrastructure to State Governments, State/ Central government Owned/ assisted entities, Cooperatives, Federation of cooperatives, Farmers’ Producers Organizations,(FPOs), Federations of Farmers’ Collectives, Primary Agricultural Credit Societies (PACS) / Cooperative Marketing Societies (CMS) or similar institutions, Corporates/ Companies, Individual entrepreneurs, etc.,  
  • Direct lending to Cooperatives and Producers’ Organization, support to State owned institutions /corporations under NABARD Infrastructure Development Assistance and direct lending to individuals, partnership firms, corporates, NGOs, MFIs, Farmers’ collectives etc. under Umbrella Programme for Natural Resource Management (UPNRM)
  • Pass through agency of select Government of India Capital Investment Subsidy Schemes.
Credit related
  • Scheduled Commercial Banks
  • State Governments
  • State Owned Bodies and Corporations
  • Regional Rural Banks
  • State Cooperative Banks
  • District Central Cooperative Banks  
  • State Cooperative Agriculture & Rural Development Banks  
  • Scheduled Urban Cooperative Banks
  • Non-Banking Finance Companies
  • Farmers’ Collectives and Producers’ Organisation  
  • Corporates/ Companies, individual entrepreneurs, SPV under PPP mode, etc, for projects under Warehouse Infrastructure Fund. 
Development Oriented
  • Rural Financial Institutions
  • NGOs and Voluntary Agencies
  • Development and Self Employment Training Institutions
  • Self-Help Groups 
  • Rural Innovators
  • Joint Liability Groups
  • Farmers’ Clubs
  • Research Organisations  
Timelines for Processing of Applications
Grievance Redressal Mechanism
General Grievances from public are attended to by the Corporate Planning Department at Head Office, Mumbai. (Tel No. 022- 26530106). 
The grievances pertaining to Customer Services of Cooperative Banks (other than Urban Cooperative Banks) and Regional Rural Banks (RRBs) are being attended to by the Department of Supervision, Corporate Office, Head Office, Mumbai (022-25639474) 
NABARD receives VIP references directly from various ministries of GoI. VIP references are replied on priority. All other complaints received directly or through Public Grievance Portal are to be disposed within 60 days as per GoI guidelines. 
Information for Citizens :
NABARD has designated following officers for Redressal of Public Grievances:
Chief Grievance Redressal Officer
Dr. Sunil Kumar 
Corporate Planning Department,
2nd Floor, C Wing
NABARD Head Office
Plot No. C-24, ‘G’ Block 
Bandra Kurla Complex
Bandra (East)
Mumbai - 400051  
Tel/Fax : 022-26530096
E-mail :
Grievance Redressal Officer (PG Portal)
Dr Ajay Kumar Sood
Corporate Planning Department, 2nd Floor, C Wing
NABARD Head Office
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex
Bandra (East)
Mumbai – 4000151
Tel : 022-26539369
Fax : 022-26530096
NABARD has designated Shri D Padhi,General Manager, Head Office, Mumbai (Tel No.(022-26539646) as the Central Public Information Officer. In his absence, Shri Raghunath B, General Manager, Head Office, Mumbai (Tel No. (022-2653 9652) will be the Central Public Information Officer ‘under RTI Act, 2005’. The address of the above officers are as follows:
National Bank for Agriculture and Rural Development
Head office
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex
Bandra (East)
MUMBAI 400 051.
The Chief General Manager/Officer in Charge in Regional Offices will deal with all queries relating to the Regional Office concerned, client/partner institutions, other institutions/authorities and outside persons within the state/jurisdiction of the Regional Office. He will also deal with all requests received from staff of the Regional Office as also the retired staff and staff settled in the state.