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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.


Promoting integrated rural development and securing prosperity of rural areas.


Promote sustainable and equitable agriculture and rural prosperity through effective credit support, related services, institutional development and other innovative initiatives.


NABARD is wholly owned by Government of India and Reserve Bank of India.


NABARD, with its Head office at Mumbai, has 31 Regional Offices located in States and Union Territory, a cell at Srinagar, 04 Training Establishments at Lucknow, Bolpur & Mangalore and 421 District Development Managers functioning at district level. NABARD has 2650 professionals supported by 1415 other staff. (Data pertains to 31 March 2016).

6. Functions at a glance

The major functions of NABARD include promotion and development, refinancing, financing, planning and 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) and State Cooperative Banks and District Central Cooperative Banks (DCCBs) and voluntary inspection of State Cooperative Agriculture and Rural Development Banks (SCARDBs) 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.

  • Timeline: Applications of banks for refinance assistance are sanctioned and disbursed within 30 days.

  • Loans to State Governments for developing rural infrastructure warehousing 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.

  • Timeline:- Proposals for subsidy assistance/grants are sanctioned within 30 days of receipt of complete information from the applicant and disbursed within 15 days after receipt of funds from GoI

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