About Us


NABSAMRUDDHI Finance Limited (NSFL) (formerly Agri Business Finance Limited) was incorporated under the Companies Act, 1956 on 17 February 1997 and is registered as a Non-Banking Financial Company with the Reserve Bank of India. It has been promoted with equity participation from National Bank for Agriculture and Rural Development (NABARD) (90.68%), the Governments of Andhra Pradesh and Telangana (4.74%), Andhra Bank (1.72%), Canara Bank (0.69%), and others (2.17%), with a Net Worth of INR 178.3 crore as on 31 January, 2020.


The objective of NABSAMRUDDHI Finance Limited is to provide credit facilities to individuals and other legal entities such as NBFCs, MFIs, Trusts, NGOs, Corporates, Producers Organisations, SHGs/ JLGs as well as individuals for promotion, expansion, commercialisation and modernisation of enterprises or for activities in agriculture and off farm sector including Microfinance, MSME, housing, education, transport, etc.

Focus Areas

The Company has positioned itself towards providing various financial products catering to what is called the “missing middle”, i.e., tiny, small and medium enterprises (SMEs) that have very limited access to financial services because they are either too small to access traditional banking services or too big to benefit from microloans. Going forward, NABSAMRUDDHI aims to serve MSMEs through (i) designing product offerings that are best suited to their target segment (for example, flexible collateral structures and customised products tailored to their working capital cycles); (ii) risk-pricing exposures; and (iii) reduced turn-around times from credit appraisal to disbursement through standardised processes and use of technology.

Financial Performance

Particulars 2016-17 2017-18 2018-19 Dec. 2019
Share Capital 33.39 33.39 63.04 116.11
Assets under Management 124.55 271.32 452.00 535.00
Profit after Tax 1.55 3.17 10.71 17.00

Product Portfolio

1.Term Loan
2.Working capital term loans
3.Structured Finance Products
4.Financing of OFPOs

Other terms and conditions for sanction of financial assistance.

Interest Rate: As applicable from time to time based on the activity, borrower category, risk perception, etc.

Eligibility Criteria


Should normally be in existence for minimum 3 years;

Should have been making profit during the last 2 years, as per audited balance sheet;

Should have been rated by a reputed Credit Rating Agency and rating should not be less than BB. An MFI should also have minimum grading as MFI 3+ or equivalent.

Producers’ Organisations

Should have been incorporated at least for two years prior to submission of application;

Should have a minimum subscribed share capital of Rs.2 lakhs (audited or as per ROC);

Should fall into the A, B and C category of POs based on NABSAMRUDDHI Rating Tool.

The borrower should have impeccable credit history without any default to the lenders. Securities


Mortgage of Immovable properties/Hypothecation of book debts and assets created out of margin and NABSAMRUDDHI financial assistance;

Demand Promissory note;

Registration of Charge with RoC;

Liquid collateral between 5-10% of loan amount;

Personal guarantee of atleast one of the directors or Corporate Guarantee.

Producers’ Organisations

Hypothecation of assets created out of NABSAMRUDDHI financial assistance;

Coverage under NABARD Credit Guarantee Scheme for Direct Loans to POs or any other guarantee mechanisms;

In case of financial assistance above Rs.50 lakh, a minimum of 15% liquid collateral and personal guarantee of atleast two Directors wherever the respective guarantee scheme allows such conditions.

POs not covered under any credit guarantee scheme will have to offer at least 15% liquid collateral and personal guarantees of board of directors.

Download Brochure

Contact Information

Dr P Ushamani
General Manager
Ground Floor, ‘D’ Wing
C-24, ‘G’ Block
Bandra-Kurla Complex, Bandra (East),
Mumbai -400051
Contact No. 022-26539208
Email Id: nabsamruddhi@nabard.org
Official Website Link: www.nabsamruddhi.in