Dr. Harsh Kumar Bhanwala

Educational Qualifications:
Dr. Harsh Kumar Bhanwala is the Chairman of National Bank for Agriculture and Rural Development (NABARD) since December 18, 2013. He is a Post Graduate in Management from IIM Ahmedabad and holds Ph.D. in Management. He has been awarded honorary doctorate in Science by Tamil Nadu Agricultural University, Coimbatore.
Professional Experience:
Dr Bhanwala has consistently espoused the cause of enhancing farmers' income through creation of agri & irrigation infrastructure viz. under Long Term Irrigation Fund, Micro Irrigation Fund, Dairy Processing and Infrastructure Development Fund etc. Under his leadership, NABARD received accreditation as National Implementing Entity by the Adaptation Fund Board & Green Climate Fund (GCF) of the United Nations Framework Convention on Climate Change (UNFCCC). 
Under his Chairmanship, NABARD is carrying out major institutional development initiatives. Over 200 rural co-operative banks (RCBs), that serve the rural masses, have been brought under Core Banking Solution through a cloud based platform, enabling them to mainstream their services on par with commercial banks. 63,000 Primary Agriculture Credit Societies (PACS) affiliated to these banks are to be computerised and integrated with their CBS during next three years, further widening the Financial Inclusion landscape. Under his guidance, digitisation for the world's largest microfinance programme has been initiated i.e. digitization of Self Help Groups (SHGs) aiming to cover eight million SHGs constituting 100 million households across the country. Digitisation of SHG accounts has brought about transparency, enhanced bankers’ comfort in credit appraisal and facilitated provision of hassle free credit & banking services to millions of poor households at their doorsteps. 
During his tenure in India Infrastructure Finance Company Ltd. (IIFCL), he had pioneered the 'Credit Enhancement Scheme' that took a holistic view of the credit needs of customers and ensured sufficient availability of funds at reasonable interest rates to successfully complete the large infrastructure projects. He held the position of Executive Director and CMD of IIFCL.
Dr. Bhanwala guides many national level institutions as a member of the Board. The major ones include the Deposit Insurance & Credit Guarantee Corporation (DICGC), Institute of Rural Management Anand (IRMA), Small Farmers’ Agri-Business Consortium (SFAC), National Cooperative Development Corporation (NCDC), Indian Institute of Banking & Finance (IIB&F), National Institute of Bank Management (NIBM). He is the Chairman of Bankers Institute of Rural Development (BIRD), NABARD Consultancy Services (NABCONS), Board of Supervision of NABARD.