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Download Important Circulars, Training Materials, Etc ! " # Letter of Transmittal NABARD Plot: C-24/‘G’, Bandra-Kurla Complex Post Box: 8121, Bandra (East) Mumbai - 400 051 CHAIRMAN Ref.No.NB.Secy./636/AR-1/2013-14 19 July 2013 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 2013 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 2013. Yours faithfully Prakash Bakshi Board of Directors Dr. Prakash Bakshi 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 S. Vijay Kumar Shri Umesh Kumar Directors appointed under Section 6(1)(e) of the NABARD Act, 1981 Shri D. B. Gupta 3 NABARD From the Chairman..... On 12th July 2012 NABARD completed 30 years. in rural infrastructure - need to be stepped up. Post During these three decades, NABARD evolved from a production and marketing management issues need to refinancing agency, to an institution which ‘thinks’ and be addressed urgently. Credit absorption capacity has ‘executes’ agriculture and rural development. Though to increase and flow of credit has to sustain. These NABARD is a financial institution, it is ‘people centric’ challenges are formidable. NABARD tried to address in conceiving, piloting and main streaming a range of these through its finance and development initiatives. initiatives, products and delivery methodologies. Though In quantitative terms, NABARD as a financial institution terminology like inclusive growth might not have been is now a two lakh crore Rupee organisation. Its balance coined back then, NABARD’s efforts were indeed sheet size has crossed `2,13,000 crore, an increase of towards inclusive growth. 17% over the last year. Loans and advances outstanding increased by about 18% to cross `1,95,000 crore mark Activities of NABARD now range widely, from formation and surplus after tax has increased by 13% to a little over of financial capital to building social capital, from `1,800 crore, as compared to `1,635 crore last year. infrastructure finance to micro-finance, from credit planning to supervising and building up rural financial The growth in the balance sheet, however, has a qualitative institutions and helping them find their own space in the dimension too! Be it crop loans or investment finance overall banking architecture. NABARD, thus, balances for creating asset or supporting rural infrastructure, all its finance and development functions in sync with the targets set have been achieved. The major institutional financial and real sector challenges relating to agriculture development achievement during the year was bringing and rural development. about 3,500 branches of StCBs and CCBs on the CBS platform. This was a distant dream for most of the With declining growth, persistent inflation, mounting co-operative banks, until NABARD stepped in. Bringing current account deficit and other structural constraints, them on CBS and linking them to the payments system the year 2012-13 was a struggle for the Indian economy, at the ATM network has not only removed the threat to as also for the agriculture sector. Land holding size is their very existence, but has given them a new direction shrinking. Stagnating incomes are threatening small and the armour to carve out their own new business farmers’ viability. Investments in agriculture - especially space. 4 Watershed and tribal development efforts continued. processing time and bringing about uniformity in policy Nurturing and supporting SHGs, joint liability groups implementation with e-payment of all employee benefits. of marginal and tenant farmers, creating producers’ organizations and arranging bank linkages for all of them NABARD’s excellent performance has raised expectations was at the top on the agenda. Creating livelihood avenues and under the guidance of the Board, more challenging through skills development was aimed at diversifying tasks for the financial year 2013-14 have been set. rural economy. Recognising that rural innovations Government of India and RBI have also ensured that larger are going to play a strategic role in rural India’s resources are put in our hands to meet these expectations. growth story, NABARD instituted Rural Innovations During the year 2013-14, NABARD will provide Awards to commemorate completion of its 30 years. enhanced crop loan refinance to the tune of `80,000 These awards reflect NABARD’s commitment to the crore (as against `65,000 crore in 2012-13). Allocation spirit of innovation which tried to improve efficiency and for rural infrastructure has been increased to `20,000 productivity using local resources. crore (against `15,000 crore provided last year). Support for warehousing and cold chain will be to the tune of In recognition of its efforts in natural resource `5,000 crore and target for long-term refinance set at management, NABARD has been accredited as the `17,000 crore. We hope to do more financing under the National Implementing Entity by the Adaptation Fund recently introduced lines of finance, viz., NIDA and direct Board of the United Nations Framework Convention loans to CCBs. By September this year, all the 7,000 on Climate Change (UNFCCC) for taking up Climate and odd branches of 205 StCBs and CCBs who have Change initiatives in the country. NABARD is the joined NABARD CBS platform will be live on CBS and only agency from India and 12th in the world to be so linked to the payment system through RTGS or NEFT. accredited, which will allow NABARD to directly access NABARD’s partnerships with the States, banks and civil funds from the Adaptation Fund Board for its own society, built over the years and leveraging on its financial programs as also for its channel partners. and human resources has made these achievements possible. NABARD’s growth has also entailed diverse A new recruitment and selection policy has been responsibilities on its human resources and the demand introduced to strengthen and maximise the human for human resource competencies has kept changing. The resource potential to meet the emerging challenges of pragmatic manner in which our human resources have the Institution. Implementing the Human Resources responded to these changes gives me the confidence that Management System (HRMS) has helped in centralising we will be even more productive, creative and innovative all administrative process, resulting in reduced in the years to come. (Prakash Bakshi) 5 Themes Page No. NABARD at a Glance Key Data References Principal Officers I The Year that was…… 1 II Supporting Rural Financial Institutions….. 11 Supporting Business Operations of RFIs 12 Interface/Nodal Agency for GoI Schemes 18 Strengthening RFIs 20 Supervising RFIs 31 Assisting in credit planning 33 III Towards Inclusive Growth…… 35 Inclusive natural resource management for sustainable agricultural growth 36 Development through productivity augmentation and technology transfer 42 Supplementing Income through Non Farm Sector 44 Promoting Innovations 46 Financial Inclusion with focus on Information and Communication Technology 47 Scaling up microfinance Initiatives 50 Promoting Research and Development 55 Offering consultancy : NABARD Consultancy Services 57 IV Financing Rural Infrastructure….. 59 Rural Infrastructure Development Fund 60 NABARD Infrastructure Development Assistance 64 New directions in investment in infrastructure - Marketing & Warehousing 65 V Organisation and Resources….. 69 Management 69 Human Resources Management 70 Administrative and other matters 71 Financial Performance and Management of Resources 75 Tables 79-94 NABARD Annual Accounts 2012-13 95-124 Consolidated Annual Accounts 2012-13 125-148 E-mail Addresses of NABARD Head Office Departments at Mumbai 149 Regional Offices/Cell/Training Establishments 150-151 Abbreviations 152-154 Box 1.3 GCF in agriculture as a percentage 1 Using Green Technology to usher technological change ...25 originating in agriculture .................................................6 2 Raigad DCCB, Maharashtra - A turnaround story .........28 1.4 Ground level credit flow : Growth impressive 3 Dilasa Janvikas Pratisthan : A success story ..................40 physical is concern..........................................................9 4 Climate Change - NABARD accredited as NIE ..............41 1.5 Per account loan disbursed by commercial banks ...........9 5 Pilot Project for augmenting productivity of lead crops ....44 1.6 Financial support by NABARD .....................................10 6 Marketing outlet by SHG members ...............................54 2.1 Short term refinance for the last five years ....................12 7 Agricultural credit : Spatial distribution and 2.2 Agency-wise share in refinance disbursement................17 implications for agricultural output ................................56 2.3 Region-wise share in refinance disbursement ................17 8 Edusat Project in Punjab...............................................63
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