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Right to Information

Micro Credit Innovations Department

Information required to be published under Section 4 (1) (b) of the RTI Act

Sr. No Particulars Information
(i) Particulars of its organisation, functions and duties

Micro Credit Innovations Department
NABARD Head Office, Mumbai Tel-022-26539244, Fax-022-26528141


  • Micro Credit Innovations Department (mCID) under NABARD designs appropriate products and delivery channels to facilitate smoothening financial services to unreached segment through SHG and JLGs.
  • Providing expert opinion on various forums/committees constituted by GoI/RBI.
  • Documenting best practices and bringing our publications including status of microfinance in India for facilitating policy advocacy.
  • Capacity Building/ Promotional grants for SHG/JLG/ conduct of Seminars, Workshops and Colloquium under FIF.
  • Studies and Publications
  • MoU with RRBs for financing of JLGs.
(ii) The powers and duties of its officers and employees

In case of promotion for SHG-BLP the delegation of power is as in the table-

Sl. No Items of Expenditure Delegation of powers for sanction of funds for supporting SHG-BLP
1 Promotion and Grant linkage of JLG - Individual Grant assistance for Promotion and Credit Linkage of JLGs (per project per agency) CHSC can sanction any proposal beyond 1750 JLGs in case of A & N lslands, Goa and all NER States including Sikkim but excluding Assam and beyond 3500 JLGs in case of remaining states. HOCLSC/ ROCHSC can sanction upto 1750 JLGs in case of A & N lslands, Goa and all NER states including Sikkim but excluding Assam, and upto 3500 JLGs in case of remaining states.
2 Promotion and grant linkage of SHG- Training and Capacity Building, Orientation Meets, Exposure Visits, Workshops, Conferences, Seminars, studies, Publicity and Campaign, Miscellaneous Interventions (per agency).
DHSC- Above Rs 25 Lakh
HOCLSC and ROCHSC Upto Rs 25 Lakh
3 Promotion and grant linkage of SHG-Grant assistance for Promotion and Credit Linkage of SHGs (per project per agency).
HOCLSC- above 1000 SHG
ROCHSC- Upto 1,000 SHGs for all states(other than below mentioned) and Assam.
ROCHSC upto 500 SHGs for A& N Island & Goa
DHSC- Above Rs 15 Lakh
HOCLSC and ROCHSC Upto Rs 15 Lakh
(iii) Procedure followed in the decision making process, including channels of supervision and accountability

Policy: Policies on various schemes being implemented by mCID are formulated at HO level based on the feedback received from field as well as from clients.

Implementation and Monitoring: Implementation and monitoring of the schemes is done by both RO as well as MCID HO.

Financial transactions: All financial transactions are subject to concurrent audit and RBI inspection.

(iv) Norms set by it for the discharge of its functions Functions are discharged within the framework of rules and regulations of NABARD and as per the guidelines received from GoI and RBI. Detailed circulars have been issued by the department and based on the criteria/ parameters laid down in these instructions, the cases are scrutinized. Annual targets as approved by Chairman have been allocated to Regional Offices, which are monitored and reviewed periodically at Regional Office/Head Office level. Since these are RO wise/department wise targets, ratings are based on same taking into consideration contingent factors.
(v) Rules, regulations, instructions, manuals and records, held by it or under its control or used by its employees for discharging its functions. Hard / Soft copies of circulars, guidelines are available in ROs/HO, as also in corporate website at as well as corporate intranet which are accessed by staff for disposing of cases/ proposals.
(vi) A statement of the categories of documents that are held by it or under its control Documents relating to sanction of project, acceptance of terms and conditions and grant release are kept at HO/RO level as the case may be.
(vii) Particulars of any arrangement that exists for consultation with or representation by the members of the public in relation to the formulation of its policy or implementation thereof Seminars, Conferences and Workshops are being conducted regularly at various level for awareness creation as well as getting policy inputs from various stakeholders.
(viii) A directory of its officers and employees Directory of its Officers and Employees
(ix) The monthly remuneration received by each of its officers and employees, including the system of compensation as provided in its regulations Click here
(x) Budget allocated to each of its agency, indicating the particulars of all plans, proposed expenditures and reports on disbursements made Budget is decided on annual basis. Bottoms up approach is followed in the setting up of target/allocation of budget for ROs/ TEs and HO. It is aggregated at HO level and monitored on a monthly basis.
(xi) Manner of execution of subsidy programmes, including the amounts allocated and the details of beneficiaries of such programmes Not applicable
(xii) Particulars of recipients of concessions, permits or authorisations granted by the organisation SHGs, NGOs, Banks, Cooperatives, Federations, NGO-MFIs, Development Depts.
(xiii) Details in respect of the information available to or held by it, reduced in an electronic form Various schemes of mCID, Circulars, statistics with regard to SHG/ JLG / disbursements etc. are already available in the microfinance page of website at
(xiv) Particulars of facilities available to citizens for obtaining information, including the working hours of a library or reading room, if maintained for public use As stated above, exhaustive information about mCID activities are available on our website.
(xv) The names, designations and other particulars of the Public Information Officers Click here RTI
(xvi) Such other information as may be prescribed and thereafter update these publications every year. Status of microfinance in India which is a yearly bilingual publication by the department.
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