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0609160847NABARD a R 2013-14 Eng 1.Pdf Letter of Transmittal NABARD Plot: C-24/‘G’, Bandra-Kurla Complex Post Box: 8121, Bandra (East) Mumbai - 400 051 CHAIRMAN Ref.No.NB.Secy./426/AR-1/2014-15 16 June 2014 The Secretary Government of India Ministry of Finance Department of Financial Services New Delhi-110 001 The Governor Reserve Bank of India Central Office Mumbai- 400 001 Dear Sir In pursuance of Section 48(5) of the National Bank for Agriculture and Rural Development Act, 1981, I transmit herewith the following documents : i. A copy of the audited Annual Accounts for the year ended 31st March 2014 alongwith a copy of the Auditors’ Report and ii. Two copies of the Annual Report of the Board of Directors on the working of National Bank during the year ended 31st March 2014. Yours faithfully Harsh Kumar Bhanwala Board of Directors Dr. H. K. Bhanwala Chairman Directors appointed under Section 6(1)(b) of the NABARD Act, 1981 Shri J. K. Batish Prof. Trilochan Sastry Prof. M. L. Sharma Directors appointed under Section 6(1)(c) of the NABARD Act, 1981 Shri H. R. Khan Prof. Dipankar Gupta Directors appointed under Section 6(1)(d) of the NABARD Act, 1981 Shri Ashish Bahuguna Shri L. C. Goyal Shri Arvind Kumar Directors appointed under Section 6(1)(e) of the NABARD Act, 1981 Dr. Sudhir Kumar Goel Shri Deepak Sanan Shri Bharat Lal Meena Shri P. Kharkongor From the Chairman..... As the country’s largest development financial in finance, development planning and supervision Institution, NABARD has held its head high and treaded spaces in the rural sector, it has facilitated partner a challenging yet intellectually stimulating, enriching, agencies to cater to the ever increasing and dynamic innovative and a people-focused journey. From being financial needs of the rural clientele. a pioneer in the field of micro finance to being the only institution in India to have been accredited as the The numbers too, speak in support of our endeavors! National Implementing Entity by the Adaptation Fund As on 31 March 2014, the organisation’s balance sheet Board of the United Nations Framework Convention stands at `2,54,574 crore, an increase of 19.45 percent on Climate Change (UNFCCC) for taking up climate over the last year. Our lending operations touched change initiatives in the country, NABARD has always `1,27,000 crore during the year, of which, `21,482 strived to align and dedicate itself to the aspirations and crore has been disbursed to the banking sector to enable endeavors of the nation and its people, especially its them in improving capital formation in agriculture. A rural masses. growth of 6.5% in the disbursements for financing rural Infrastructure during the year has enabled improvement In the thirty-one glorious yet humble years of its in assured irrigation as also better connectivity in the voyage, NABARD has expanded its wings to cover villages crucial activities in the field of agriculture and rural sector and has successfully anchored its varied roles The allocation made by GoI under the Warehousing as a development agency, an institution supporting Infrastructure Fund intended to create better warehousing infrastructure and financial development including facilities have been successfully taken forward. microfinance and a planning and policy making body. Continuing its tradition of promoting best practices in farm sector, NABARD invested over `300 crore to Its promotional initiatives have helped in improving diverse development projects including watersheds, the productivity of the farmer’s land as also the wadis and promotion of System of Rice Intensification entrepreneur’s earnings. Having a formidable presence (SRI). Through its Farmers’ club programme, a direct connect with nearly 1.5 million active farmers has been added service to farmers as also strengthening and established. empowering grassroots level agencies and institutions to cater to the rural masses is a major thrust area. Perhaps one of the biggest institutional development achievements of NABARD has been facilitating as These achievements would not have been possible but many as 200 co-operative banks to go live using the for the synergism between NABARD and its various Core Banking Solution. As a step further, we are striving partners. This notwithstanding, our workforce has to ensure RRBs and CCBs issue smart RuPay Cards. always risen to the occasion and skillfully shouldered the Nevertheless, there are milestones still to be achieved. ever increasing and challenging responsibilities. It gives In the year ahead, while continuing the existing range me immense confidence to say that true to the vision of financial services, NABARD would be endeavouring envisaged at the time of its formation, NABARD will to take up a wide range of innovative developmental continue to strive to give undivided attention, forceful interventions to enhance the production and productivity direction and pointed focus to rural development in the in agriculture and allied sectors. Providing more value country. (Harsh Kumar Bhanwala) Contents Page No. NABARD at a Glance Key Data References Principal Officers I The Year that was…… 1 II Supporting Rural Financial Institutions….. 13 Supporting Business Operations of RFIs 14 Interface/Nodal Agency for GoI Schemes 19 Strengthening RFIs 22 Financial Inclusion with focus on Information and Communication Technology 28 Supervising RFIs 31 Assisting in credit planning 33 Theme Livelihoods : The Smorgasbord for poverty alleviation 35 III Towards Inclusive Growth…… 41 Inclusive natural resource management for sustainable agricultural growth 42 Development through productivity augmentation and technology transfer 49 Supplementing income through Non Farm Sector 52 Scaling up micro finance Initiatives 54 Promoting Research and Development 60 Offering Consultancy : NABARD Consultancy Services 63 IV Financing Rural Infrastructure….. 65 Rural Infrastructure Development Fund 66 NABARD Infrastructure Development Assistance 70 NABARD Warehousing Scheme 70 V Organisation and Resources….. 73 Management 73 Human Resources Management 74 Administrative and other matters 75 Financial Performance and Management of Resources 80 Tables 85-102 NABARD Annual Accounts 2013-14 103-133 Consolidated Annual Accounts 2013-14 of NABARD and its Subsidiaries 135-158 E-mail Addresses of NABARD Head Office Departments at Mumbai 159 Regional Offices/Cell/Training Establishments 160-161 Abbreviations 162-164 Boxes 16 Funding for Better Price Discovery – 1 Integrated Scheme for Agricultural Marketing ....................7 National Collateral Management Services Ltd...............71 17 “Revolution from Above – India’s Future and 2 Committee on Comprehensive Financial Services for the Citizen Elite” – Prof. Dipankar Gupta ......................78 Small Businesses and Low Income Households ..............9 3 Core Banking Solutions – Bridging Boundaries ............25 Charts 1.1 Rate of Inflation (WPI) during 2013-14 ...........................3 4 RuPay Kisan Cards .......................................................30 1.2 GCF in agriculture as a percentage of GDP 5 A spark ignited : Raigad Central Co-operative Bank........31 originating in agriculture .................................................5 6 Indebted to ‘Wadi’ ........................................................44 1.3 Agency-wise Ground Level Credit Flow for Agriculture ...10 7 A Long way to Development ........................................45 1.4 Ground Level Credit Flow to Agriculture ......................11 8 Umbrella Programme on Natural Resource 1.5 Composition of Ground Level Credit Flow Management – Diverse Strengths, Local Impacts…. .....46 for Agriculture ...............................................................11 9 The Growth Story – From daily wager to entrepreneur ...47 1.6 Financial support extended by NABARD ......................12 2.1 Short term Refinance for the last five years ...................14 10 Augmenting Productivity of Lead Crops – Pilot Project in Balasore district of Odisha .....................51 2.2 Long-term Refinance Disbursement during last five years ................................................................18 11 SHGs : Paving Pathways…. To Possibilities ...................58 2.3 Agency-wise share in Refinance Disbursement ..............19 12 Study on ‘NPAs in SHG Lending’ .................................59 2.4 Region-wise share in Refinance Disbursement ..............19 13 All India Baseline Survey on Producer Companies .......62 3.1 Progress under UPNRM ................................................46 14 Project Management Consultancy for 4.1 Tranche-wise Allocations – RIDF I to XIX ......................66 Construction of Rural Godowns - Odisha .....................63 4.2 Sector-wise cumulative share in amount sanctioned 15 Check Dam across Cauvery River .................................69 under RIDF (cumulative as on 31 March 2014) ...........68 NABARD NABARD AT A GLANCE (` crore) Sources of Fund 2014 2013 Net Uses of Funds 2014 2013 Net Accretion Utilisation Capital 4,700 4,000 700 Cash and Bank Balances 13,411 8,466 4,945 Reserves & Surplus 17,156 15,234 1,922 Collateralised Borrowing and 211 532 (-)321 Lending Obligation NRC (LTO) Fund 14,483 14,481 2 Investments in a) GOI Securities 3,007 2,414 593 NRC (Stabilisation) Fund 1,583 1,581 2 b) ADFC Equity 105 94 11 c) AFC Equity 11 0 Deposits 333 302 31 d) SIDBI Equity 48 48 0 e) AICI Ltd. 60 60 0 Bonds and Debentures 36,215 47,666 (-)11,451 f) NCDEX Ltd, UCX & MCX Ltd. 34 34 0 g) Nabcons 55 0 Borrowings from GoI 40 43 (-)3 h) Biotech Venture
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