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Citizen’s Charter


National Bank for Agriculture and RuralDevelopment (NABARD) was established on 12 July 1982 by an Act of theParliament. NABARD, as a Development Bank, is mandated for providing andregulating credit and other facilities for the promotion and development ofagriculture, small scale industries, cottage and village industries,handicrafts and other rural crafts and other allied economic activities inrural areas with a view to promoting integrated rural development and securingprosperity of rural areas, and for matters connected therewith or incidentalthereto.


Development Bank of the Nation for Fostering Rural Prosperity.


Promote sustainable and equitableagriculture and rural development through participative financial andnon-financial interventions, innovations, technology and institutionaldevelopment for securing prosperity.


NABARD is wholly owned by Government of India.


NABARD, with its Head office at Mumbai, hasNABARD, with itsHead office at Mumbai, has 31 Regional Offices located in States and UnionTerritory, a cell at Srinagar, 04 Training Establishments in the Northern,Eastern & Southern parts of India and 414 District Development Managersfunctioning at district level. NABARD has 2243 professionals supported by 1130other staff. (Data pertains to 31 March 2021 - CoB).


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
  • Small Finance 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

Grievance Redressal Mechanism

General Grievances from public are attended to by the Corporate Planning Department at Head Office, Mumbai. (Tel No. 022- 68120019).

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 (022-68120039)

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 30 days as per GoI guidelines.

Information for Citizens :

NABARD has designated following officers for Redressal of Public Grievances:

Chief Grievance Redressal Officer

Shri Satish B. Rao
Chief General Manager

Corporate Planning Department,
2nd Floor, C Wing
NABARD Head Office
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex
Bandra (East)
Mumbai - 400051
Tel: 022-68120019
E-mail :

Grievance Redressal Officer

Smt. Smita Mohanty
General Manager

Corporate Planning Department, 2nd Floor, C Wing

NABARD Head Office
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex
Bandra (East)
Mumbai – 400051
Tel: 022-26539369
E-mail :

Sub-Appellate Authority (PG Portal)

Smt. Sadhana Venkatesh
Deputy General Manager

Corporate Planning Department, 2nd Floor, C Wing

NABARD Head Office
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex
Bandra (East)
Mumbai – 400051
Tel: 022-26539839
E-mail :

NABARD has designated Shri Venkataraman Rajaraman, Deputy General Manager, Head Office, Mumbai (Tel No. 022 2653 9127) as the Central Public Information Officer. In his absence, Shri Vikas Bhatt, Deputy General Manager, Head Office, Mumbai (Tel No. 022-26539652) 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
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex, Bandra (East)
MUMBAI 400 051.

The Chief General Manager/Officer in Chargein Regional Offices will deal with all queries relating to the Regional Officeconcerned, client/partner institutions, other institutions/authorities andoutside persons within the state/jurisdiction of the Regional Office. He willalso deal with all requests received from staff of the Regional Office as alsothe retired staff and staff settled in the state.

Appellate Authority under RTI Act :

Shri Monomoy Mukherjee, Chief General Manager, NABARD, Head Office, Mumbai shall be the Appellate Authority in NABARD, for the entire Bank, both for information related to Head Office and information related to various States for the purpose of receiving appeals under the provisions of section 19 (1) of the said Act.

All the appeals relating to replies furnished by CPIO, NABARD, HO/RO, will be addressed to:

Shri Monomoy Mukherjee, Chief General Manager & Appellate Authority, NABARD, Head Office, 'B' Wing, 8th Floor, Plot C-24, 'G' Block, Bandra-Kurla Complex, Bandra (East), Mumbai 400 051.

Tel: (91) 022-26539235 Fax: (91) 022-26530192, E-mail:

Alternate Appellate Authority :

Shri B.N.Kurup, Chief General Manager, Head Office, ‘D’ Wing, 8th Floor, Plot C-24, ‘G’ Block, Bandra-Kurla Complex, Bandra (East), Mumbai-400051.

Tel: (022)-68120051 Email:

Transparency Officer :

Smt. L Leivang, Chief General Manager, NABARD, Head office, ‘D’ Wing’, 4th Floor, Plot C-24, 'G' Block, Bandra-Kurla Complex, Bandra (East), Mumbai 400 051.

Tel. 022-26539272 E-mail :

Address: Address of the Regional Office concerned (Click here for Addresses)

Citizen Charter is not a legal documentcreating rights and obligations. This charter has been prepared to giveinformation on various major activities relating to NABARD.

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