Celebrating Development
Foreword
NABARD has been in the forefront of various activities to further agriculture and rural development. NABARD’s activities impact the lives of the rural populace either directly or indirectly. I am glad that the NABARD Karnataka Regional Office has thought it appropriate to bring out the success stories from these interventions in the form of a book. I am sure that this book will act as an inspiration to all stake holders of agriculture and rural development.
I congratulate NABARD and its partners in their endeavour and wish them success.
T M Vijay Bhaskar I.A.S Chief Secretary Government of Karnataka Bengaluru 11 February 2020 Foreword
Promotion of ‘best practices’ is one of NABARD’s key activities. We wish such examples act as ‘Light Houses’ powering hope and prosperity. Promotion of best practices is possible only through partners, who are so integral for our existence. We Choose and cherish such partners who see the big picture and execute the projects with precision. This is a collection of 51 best practices from across Karnataka. We thank the communities and partners who gave us an opportunity to touch their lives and enrich ours.
P.V.S. Suryakumar NABARD Karnataka Regional Office Bengaluru 11 February 2020 What’s Inside?
Cooperatives Women Development
05,41,57,59,63,71,81,97 & 103 15,47,61,75 & 87
Farmers Collectives Climate Proofing
21,67,73,79,85,89,91& 101 17,23,35,37,45,51,53,65 & 95
Farm Sector Rural Infrastructure Development Development 11,19,31,39,55,93,99 & 105 09,33 & 69
Off Farm Sector Orchards & development Tribal Development 07,27,43 & 77 13,25,29,49 & 83 One-Stop Shop: A bubbling cooperative 05
THE INITIATIVE Transforming Primary THE CHALLENGE THE impact Agricultural Cooperative The Kula village branch of Idkidu PACS was The PACS building now houses two Societies into a Multi functioning from a small rented building with 260 MT godowns and provides pledge Service Society limited facilities. The profitability of the PACS loan facilities, storage facilities, farm was under stress. equipment hiring services, runs a Domestic purchase needs are located consumer store, Jan Aushadhi Kendra etc. 10 km. away. As a result, the trading profit of the PACS THE BENEFICIARIES which was a mere ` 6.67 lakh in the year 2014-15, rose to ` 23.03 lakh, during the 3,500 farmer members year 2018-19 (245% increase). Further, of PACS the gross profit of the PACS which was THE solution ` 48.33 lakh in 2014-15 has reached ` 100.86 lakh in 2018-19 The Idkidu PACS had a small piece of own (109% increase). land in Kula village and also had the The District ‘Building Reserve Fund’. Dakshina Kannada It availed PODF loan of ` 59.03 lakh from NABARD to construct a building complex housing banking transaction hall, godowns, shops and training hall.
Started new business activities in the areas of produce financing, agri inputs supply, farm implements hiring, consumer stores, areca procurement centre etc. Skilling for Livelihoods 07
THE INITIATIVE Skill Development THE CHALLENGE THE impact Programme under High school drop-outs among rural youths. Youth gained self-confidence to Gramya Vikas Nidhi Most of them are unskilled. lead a decent life in the society.
They were either employed or self-employed.
THE BENEFICIARIES Initial monthly earnings were around Local youth of Ilkal village ` 10,000/- of Hungund taluk THE solution
NABARD sanctioned ` 2.83 lakh to Ashadeep Training Centre to impart skills in Computer The District (Basic and Advanced level) and Spoken Bagalkote English.
Exposure visit to Bagalkote and Belgaum to understand about the opportunities available, banking facilities, placement opportunities, marketing linkages etc. Bridges to Prosperity 09
THE INITIATIVE Rural Infrastructure THE CHALLENGE THE impact Development Fund Mantralayam in Kurnool district of Andhra The first ever steel bridge in Karnataka. (RIDF) Pradesh is an important pilgrimage destination for people in Karnataka. Commuters to Mantralayam are now travelling at ease. The old bridge across river Tungabhadra was washed away in October 2009 due Farmers and rural people are benefited for to heavy flood. THE BENEFICIARIES comfortable connectivity. People who commute The temporary makeshift arrangement was causing inconvenience to many. Besides linking Mantralayam, it provided from either side of the better connectivity between Raichur to bridge New bridge with alignment risks - 14 sections of 40m length, 12m width and Bellary, Adoni and Kurnool. 9.5m height weighing 1400 MT.
The District Raichur THE solution
NABARD provided loan assistance of ` 31.60 crore to State Government under RIDF.
The Bridge, using German technology, was built by Karnataka Road Development Corporation Ltd. at a cost of ` 43 crore.
The bridge is 600 metres in length and 12 metres width. Tenant Farmers too can prosper 11
THE INITIATIVE Formation and linkage THE CHALLENGE THE impact of Joint Liability Groups Many vegetable growers of the village do not Banks extended loans to 21 JLGs of (JLGs) have a clear land title deed. Thus, access to ` 58 lakh for vegetable cultivation institutional credit is very limited. involving 118 FPO members. Most of them are small and marginal farmers, Farmers could get quality inputs in time. having very limited financial resources for cultivation. THE BENEFICIARIES All the loans were repaid in time and 118 small and marginal all of them availed loans for the farmers of Benegal subsequent years. village
The District Udupi THE solution
NABARD sanctioned JLG bank linkage project to Udupi Zilla Thotagarika Belegara Sangha with grant assistance of ` 2,000/- for each JLG bank linkage.
Joining hands with the banks to conduct interactive sessions for sensitising them on genuine credit needs of the farmers and chalking out JLG mode of credit support to them. Blooming Orchards 13
THE INITIATIVE Integrated Tribal THE CHALLENGE THE impact Development High rate of environmental degradation, 409 Wadis with fruit crops and forestry resulting in low productivity and low income. plants by many tribal families.
Broad disconnect between tribals and the 16 Women Self-Help Groups, 49 Village mainstream population. planning committees and 2 Cluster-level Urban migration due to uncertain rainfall, committees formed to support them. THE BENEFICIARIES food scarcity and lack of basic amenities. Tribals of Koppa and Carpentry, tailoring and petty shops Sringeri, Chikmagalur provide alternate sources of income. district, Karnataka Migration in project area has reduced.
A stable source of income has been assured through Wadis and the quality of life in terms of health, education of The District children, etc. has improved. Chikmagalur THE solution
NABARD extended assistance to VIKASANA for an integrated tribal development project in 2011.
Introduction to Wadi development and other income-generation activities.
Support given for organic cultivation, exposure programmes and marketing of produce. Rags to Riches 15
THE INITIATIVE Self-Help Group Bank THE CHALLENGE THE impact Linkage Programme Traditional occupation of Samagara Savings concept introduced among them. Community is chappal making and repairing – Majority of them are destitute. SHG members availed loan for their children’s education and housing. Poor resource base, illiterate, landless, beneficiaries were scattered. THE BENEFICIARIES Understood the importance of group SHG Women of Samagara No access to credit, indebtedness and dynamics. Community (Chappal migration. Availed multiple bank linkage and making community), Mobilising them into groups and convincing repaid 100%. Basavakalyan taluka them about the SHG concept was challenging. Came out of abject poverty. Quality chappal making is now sustainable income generating group activity. The District Bidar THE solution
Under NABARD microfinance scheme, District Central Cooperative Bank, Bidar was sanctioned SHPI project to promote and credit link of SHGs with DCCB.
Capacity building and training on SHG concepts.
Exposure visits for cross learnings on savings and potential economic activities. Climate Proofed Villages 17
THE INITIATIVE Watershed THE CHALLENGE THE impact Development Soil erosion, poor soil fertility and alarmingly 5,000 Ha treated for soil erosion and under Watershed low groundwater level. water management.
Development Fund Salinity and fluoride content. Positive impact on the lives of Low level of farming technology. 285 beneficiaries. Indebtedness and migration. Recharge of groundwater level and THE BENEFICIARIES improved soil fertility. Villages of Kurahatti & Urban migration checked. neighbouring villages of Ron Taluk 26 livelihood activities for alternate sources of income. THE solution The District NABARD extended grant assistance of Gadag ` 1.45 crore on 08 January 2013 to Priyadarshini, NGO for an integrated watershed development project.
Farmers were trained in new and scientific methods of farming.
New livelihood options provided for identified beneficiaries.
Support given for organic cultivation.
Exposure programmes and marketing of produce. Farmers’ Delight 19
THE INITIATIVE Propagation of System THE CHALLENGE THE impact of Rice Intensification Flood irrigation in cultivation of paddy. Substantial increase in rice yield. 50-52 (SRI) under Umbrella Saturation in yield levels. bags per acre (an average increase of Programme for Natural about 40%). Resource Management Beliefs on more than appropriate use of fertilisers and pesticides. (UPNRM) Savings in seeds, water and labour. Rise in market prices not commensurate with cultivation cost. Increase in farm earnings by about 50%.
Reduction in risk associated with agriculture. THE BENEFICIARIES Fertile soils, healthier plants, environment Farmers in Lingsugur friendly agriculture. block
THE solution
The District NABARD sanctioned loan cum grant Raichur assistance of ` 2.53 crore (in two phases) to Sajjalalshree, NGO, for application of SRI method of paddy cultivation.
Precision use of water.
Improved technologies in nursery bed formation and replanting with appropriate spacing.
Shift to organic fertilisers and pesticides. Gulla Gallops - Farmers’ Collectives 21
THE INITIATIVE Farmer Producer THE CHALLENGE THE impact Organisation ‘Mattu Gulla’ is a premium brinjal variety Mattu Gulla Belegara Sangha was formed appreciated by connoisseurs. under Karnataka Society Registration Act,
Though ‘Mattu Gulla’ receives premium 1960. Equity mobilised ` 2.40 lakh. market price, the growers were getting about ` 85 lakh turnover was achieved. 15% of the consumer price.
THE BENEFICIARIES Production was slipping down on account of By organising the farmers in the form 200 small and marginal lack of market support. of FPO, the produce (mattu gulla) is now farmers collectively procured from farmers, sorted, graded and properly packed.
The produce now command better price in the market, thereby the farmers are now realising 45% of the consumer price. The District Udupi THE solution
NABARD sanctioned ` 9.06 lakh for formation of FPO.
Collectivisation of farmers and aggregation of produce need was taken up. Onions and Prosperity 23
THE INITIATIVE Watershed Development THE CHALLENGE THE impact - Soil & water Degraded soil - saline and alkaline conditions. Onion productivity jumped from 50 to 80 conservation activities Limited vegetative cover. quintal per acre.
Drought for the past nine years. Increase in groundnut yield from 4 to 5 Low rainfall. quintals per acre, strong nuts with more oil content. THE BENEFICIARIES Reduced weeds because of mixed 1,031 farmers of cropping. Challakere taluk 75 landless women became self- THE solution employed. SHGs formed and credit linked - ` 47 lakh.
NABARD sanctioned grant assistance of Formed Farmer Producer Company. The District ` 187.15 lakh for climate proofing adaptation Chitradurga measures including rehabilitation of degraded soils during January 2017.
Soil treatment - deep ploughing, summer ploughing, tank silt application, usage of farm yard manure.
Groundwater recharge through recharge pits
Introduction of drought-resistant varieties with water budgeting.
Alternate livelihood micro enterprises. Fruits of Labour 25
THE INITIATIVE Financing under THE CHALLENGE THE impact Tribal Development Intermittent and erratic rainfall led to either Improvement in crop productivity by 30%. Programme / Umbrella crop failure or low crop yields. Insulated the farmers from the vagaries of Programme on Natural Poverty, illiteracy and social backwardness. Resource Management monsoon through Integrated farming. Migration due to unemployment. Trench cum bund implemented under the project saved the forestry seedlings and WADI plants.
THE BENEFICIARIES A registered society of farmers (Madakari Souharda Co-operative Limited) was 1,000 Tribal families THE solution established – Annual average turnover in the villages around ` 50 lakh. Rangasamudra, Pavagada "Wadi Development Approach’ under Taluk NABARD TDF to MOTHER, NGO.
Integrated farming and livestock management through UPNRM fund.
Capacity building to adopt improved technologies. The District Empowerment of women and landless Tumakuru through income-generating activities. Off Farm Sector – Weaving Success 27
THE INITIATIVE Self-employment THE CHALLENGE THE impact through Kasuti Weaving Unskilled, semi-literate women from 90 women gained self-employment. unorganised sector. Buyback tie-ups arranged with leading Indebtedness and migration. fabric companies. Kasuti, centuries-old hand-embroidery, has the potential to provide decent employment. Formed Off-Farm Producers Organisation to tap the niche national and international THE BENEFICIARIES market. Women SHGs of Dharwad Taluk THE solution
NABARD sanctioned a Livelihood Entrepreneurship Development Program to IDF SHG Federation for imparting skills on The District Kasuti Hand Embroidery in November 2018. Dharwad Entrepreneurship Development inputs viz., market survey, pricing, quality check, etc. Sustainable Livelihood 29
THE INITIATIVE Tribal Development Fund THE CHALLENGE THE impact
Marginal landholding and degraded lands. Sustainable livelihood for 635 tribal
Mono-cropping. families. 15 to 20 per cent increase in income - adopting to WADI culture. Poverty and unemployment.
Migration of labour. Improvement of soil fertility and productivity through organic cultivation. THE BENEFICIARIES Exploitation by moneylenders. Tribal families of Substantial increase in green cover.
Lingsugur block Reduced migration. THE solution Formation of Farmer Producer Organisation.
NABARD sanctioned grant assistance of ` 409.953 lakh to Sajjalashree, NGO for tribal development under TDF. The District Introduction of WADI culture agro-horti Raichur system for sustainable income and employment.
Livelihood activities support to landless and women.
Formation of village committees and their capacity building initiatives. Regenerative Agriculture 31
THE INITIATIVE Sustainable THE CHALLENGE THE impact Development Initiative Mono cropping - degraded soils. Remarkable increase in groundwater table. in Watershed area High groundwater exploitation - drought. Around 15% of wasteland converted to Fodder scarcity. cultivable land. Migration, malnutrition, poor education. Change in cropping pattern from mono THE BENEFICIARIES Exploitation by moneylenders. crop to diversified crops. Farmers of Gandesi Hobli, Social Developments - Women Arsikere Taluk empowerment, improvements in health, nutrition and sanitation, reduction in THE solution school drop-outs, access to higher education for children, reduction of migration and less dependence on NABARD sanctioned ` 2.80 crore as grant for developing five watershed clusters to moneylenders. ORDER, NGO. The District Land treatment for integrated soil & water Hassan conservation activities.
Training & capacity building of watershed community.
Integrated farming system.
Promotion of community-based organisation like SHG, FIG, JLG, FPO and VWC. Growth through Tourism 33
THE INITIATIVE Development for THE CHALLENGE THE impact Bhisma Lake - water Removing the silt from the lake. Radical change in scenario in the area – conservation - Tourism Making the area attractive for tourists. attractive tourism spot.
Supply of water for the lake. Self-employment generation and business Construction of bund and approach road and for tour transport operators, guides, other infrastructures. vendors etc.
THE BENEFICIARIES Recharge of groundwater in nearby People in and around borewells. Gadag THE solution
NABARD financed to the extent of ` 50 lakh for development of tourism.
The District Approach road to Basaveshwara Statue Gadag in Bhishma Lake, Gadag under Rural Infrastructure Development Fund (RIDF). Raising Greens on Gravel 35
THE INITIATIVE NABARD KfW THE CHALLENGE THE impact assisted soil & water Soil - shallow-to-moderate rooting depth, 25% increase in the crop yield. conservation, soil health gravelliness, low-to-moderate water storage, improvement activities poor fertility, partly saline and alkaline. Shift in cultivation – from maize to minor millets. Scanty rainfall, delayed monsoon – high farm risks. Self-employment to 175 farmers through Low productivity – demotivated farmers. livelihood programmes. THE BENEFICIARIES Planting trees on bunds - enhancing Farmers of Bagur and green cover. neighbouring villages Hosadurga Taluk THE solution Formation of Farmer Producer Company.
NABARD sanctioned grant assistance of ` 199.38 lakh to NISARGA under Climate proofing project for treating around 826 The District acres of farmland.
Chitradurga Soil treatment - deep ploughing, summer ploughing, tank silt application, usage of farmyard manure.
Introduction of drought-resilient crop varieties and water budgeting.
Groundwater recharge through recharge pits, retention of soil moisture.
Micro enterprises among women and landless for alternate livelihood. Climate Resilient Agriculture 37
THE INITIATIVE Watershed Development THE CHALLENGE THE impact under Watershed Difficult terrain coupled with lack of Improvement in groundwater level and Development Fund awareness on soil and water conservation. soil quality.
Lack of social awareness in terms of health Increase in crop yield by 10 to 15%. and sanitation.
Seasonal migration, lack of access to formal Increase in income due to agriculture THE BENEFICIARIES financial institutions and low technology allied activities. Additional income of Farming Community adoption. ` 12,000 /- per month. of Begur Village and Access to formal financial institution for surrounding areas, savings and credit. Chikmagalur district, THE solution Karnataka NABARD extended assistance to VIKASANA for watershed development project in 2010.
Introduction to soil and water conservation The District Structures and other income generating Chikmagalur activities. Exposed to climate proofing and climate resilient agriculture through climate adaptation and mitigation process.
Micro enterprises among women and landless for alternate livelihood. Adapting Lives to Climate Change 39
THE INITIATIVE Technology Transfer THE CHALLENGE THE impact under Farm Sector Unpredictable weather conditions - crop loss 3 successful models of IFS activities had Promotion Fund (FSPF) due to floods or drought. been established, in three villages.
Mono cropping - low level of technologies - These models incorporated host of farm High cost of cultivation. and allied activities - Inspiration for other Poor water management. farmers to adopt. THE BENEFICIARIES Inadequate water supply for tail-end regions of Tungabhadra Irrigation project. Sustainable livelihood, even during the Farmers of Sindhanur crop failures - Insulation from farm risks. Improper application of chemical fertilisers block and pesticides.
THE solution The District Raichur NABARD sanctioned ` 2.50 lakh to Faiz Foundation for creating farm models on Integrated Farming Systems (IFS).
Introduction of healthy crop mix.
Shift to low water intensive crops and practices and introduction of micro water management techniques.
Optimisation of inputs use – seeds, fertilisers and pesticides.
Integration of farming activities and agriculture allied activities. Cooperate and Succeed 41
THE INITIATIVE Financing PACS to THE CHALLENGE THE impact become Multi Service The society was functioning in a very old The society now has a decent good- Cooperatives premises. looking office building, computers, strong
It required infrastructure like office building, room, 300 MT godown and shopping godown and shopping complex complex. for enhancing business. The society on its own established a pure THE BENEFICIARIES drinking water unit for the villagers Kulali PACS in @ ` 2/- per twenty litres of water. Mudhol Taluk Annual profit of the society increased from meagre ` 0.70 lakh to ` 25.62 lakh.
Loans o/s increased from ` 332.60 lakh to The District ` 1,532 lakh. THE solution Bagalkote The society is also number one in the State to start ‘Nandini Milk Parlour’. NABARD sanctioned ` 40.70 lakh under PODF.
Grant assistance of ` 2.05 lakh was provided for capacity building of the society. Rural Marts 43
THE INITIATIVE Marketing support - THE CHALLENGE THE impact outlet for SHG to sell Lack of marketing opportunities. Average annual turnover so far their finished products Imparting modern marketing techniques like ` 13.50 lakh. branding, packaging, standardisation etc. Sustainable livelihood had been achieved Disintegrated production centres. for the SHG members.
THE BENEFICIARIES Family income almost doubled.
Women SHG members Lifestyle changed. from villages in Gadag, Karnataka Socially and economically empowered.
THE solution The District Gadag NABARD provided grant assistance of ` 2.43 lakh to Spandana to set up a rural mart for selling the finished products.
SHG women were trained on consumer connect of their products.
Wide publicity for the SHG women produced quality products. Catch the Water where it falls 45
THE INITIATIVE Watershed Development THE CHALLENGE THE impact and climate proofing Crop losses due to erratic rainfall and Rise in water table - recharge of open under Watershed prolonged dry spells. wells and borewells.
Development Fund Difficulties in maintaining livestock – low Change in cropping pattern – from maize milk yield. to pulses and millets. Migration of landless people.
High incidence of soil erosion – declining soil Increase in farm productivity by 20%. THE BENEFICIARIES fertility. Improvement in soil health. Farmers of Nagathihally Inadequate potable water. and neighbouring villages Livelihood for women and landless – of Hosadurga Taluk reduction in migration.
THE solution The District Chitradurga NABARD sanctioned grant assistance of ` 148.79 lakh to SPEECH, NGO for watershed development and climate proofing works.
Capacity building of Village Watershed Committee.
Planting of forestry and horticulture based plants in the watershed area and income generation activities to landless farmers. Small Enterprises – Big Achievements 47
THE INITIATIVE Promotion of Joint THE CHALLENGE THE impact Liability Groups (JLGs) Rainfed agriculture - Frequent drought. Self and wage employment to
Marginal landholding and degraded lands. 500 families.
Low level of industrial development. Improvement in social status – Unemployment and poverty. Change in lifestyle.
Influence of moneylenders. THE BENEFICIARIES 100% loan repayment. Members of 500 JLGs Reduction in migration.
The District Raichur THE solution
NABARD provided grant assistance to Manvi Pattina Souharda Sahakari Bank Ltd to promote JLGs.
Developing alternative skill-based livelihoods through credit support. Sweet Harvest 49
THE INITIATIVE Tribal Development THE CHALLENGE THE impact Programme, formation Increasing barren land due to drought. Sustainable livelihood had been of Farmer Producer Exploitation of middlemen - low level of established for 700 tribal families. Organisation and income despite good harvest. establishment of Kasthuri Rangappa Nayaka Farmer Poverty and social inequalities - declining Rural Mart Producer Company had been established health and sanitation. with 905 members. Migration due to unemployment. Production and procurement of mangoes, cashew, tamarind and coconut etc. THE BENEFICIARIES Average annual turnover ` 50 lakh. Around 700 farmer Establishment of Rural Mart had helped families of Sira Taluk farmers for direct marketing and higher returns. THE solution The District NABARD sanctioned grant assistance of Tumakuru ` 326.41 lakh under TDF to ORDER, NGO.
Grant assistance of ` 9.06 lakh and ` 2.58 lakh for formation of FPO and Rural Mart respectively.
Implementation of Wadi concept among tribal families.
Capacity building to adopt improved technologies.
Empowerment of women and landless through income-generating activities. Thippanahalli 51
THE INITIATIVE Watershed Development THE CHALLENGE THE impact under Watershed Lack of awareness on conservation of water Improvement in groundwater level. Development Fund & soil; its impact on income generation. Cultivation of drought-resistant crops. Migration and its economic and social impacts. Practice of Integrated Nutrient Lack of access to formal financial institutions Management and Integrated Pest THE BENEFICIARIES and low technology adoption. Management. Farming Community of Increase in income due to agriculture Thippanahalli Village and allied activities. Farmers generate an surrounding areas additional income of ` 12000 /- per month.
Access to formal financial institution for savings and credit. The District THE solution Chikmagalur NABARD extended assistance to Janaspandana for watershed development project in 2010.
Construction of soil & water conservation structures, social ban on tree felling and free grazing.
Adoption of good agricultural practices; stress on soil health analysis. Climate Smart Agriculture 53
THE INITIATIVE Programme on THE CHALLENGE THE impact improving soil fertility Dry land farming and subsistence agriculture 3 different models for climate resilient and water conservation for livelihood. agriculture practices developed.
(KfW soil project) Mono cropping. Income of farmers is increased. Short supply of animal fodder. Employment generation reduced Low level of technology. migration. THE BENEFICIARIES Improvement in green cover. Farmers of Advibhavi and neighbouring villages of Recycling of farm waste to organic Gangavathi Taluk fertilisers.
THE solution The District NABARD sanctioned grant assistance Koppal to Sajjalashree, NGO, for soil fertility management.
Formation of land user, village watershed and climate change committees.
Promotion of climate resilient crops and its related agronomic practices.
Guidance for organic/integrated farming and water conservation borewell recharge structures.
Livelihood activities for landless and women. Yellow Gold 55
THE INITIATIVE Productivity THE CHALLENGE THE impact Enhancement - Rapid The traditional turmeric cultivation requires Seed requirement cost was reduced Multiplication of around 750 to 800 kg of seeds for 1 acre. by 75%. Farmers saved around
Turmeric Very costly cultivation. But, with low yield. ` 10,000 per acre.
On account of low curcumin levels in the Productivity increase per acre registered rhizome, the market price for turmeric between 25% and 30%. was low. THE BENEFICIARIES Curcumin levels were improved and Turmeric Farmers of farmers could get enhanced price realisation by 20%. Chamarajnagar district, Karnataka
THE solution The District NABARD sanctioned grant assistance of Chamrajnagar ` 4.73 lakh to KVK, Haradanahally under Farm Sector Promotion Fund.
Minimised seed rate per acre. Instead of using the entire rhizome, a piece of rhizome with at least 02 nodes is used as a seed.
Introduction of 2 new high-yielding varieties of seeds viz., Alleppy Supreme and Pratibha.
Spacing between the plants for better rhizomes growth.
Intercrops such as Bullet Mirch & Redgram. Cooperatives – the Pillars of Strength 57
THE INITIATIVE Development of Primary THE CHALLENGE THE impact Cooperative Agricultural Limited resources. On-lending activities generated additional and Rural Development Low level of business – Exploitation of income to farmers. Bank as Multi Service farmers by moneylenders. Centre Better recycling of funds enabled profit earnings almost by 40%.
Skill training to PCARDB staff has enabled THE BENEFICIARIES good banking services for the farmers. 3,255 member farmers in Improvement in PCARDB’s image among Siruguppa Taluk the farmers and general public. THE solution
NABARD extended assistance to PCARDB, The District Siruguppa for on-lending to farmers for Bellari farm mechanisation and dairy activities. Capacity building of staff. Expanding Horizons 59
THE INITIATIVE Development of Primary THE CHALLENGE THE impact Agriculture Cooperative Weak financial position of the society. Facelift to the society attracted new Societies as a Multi- Restricted business operations - crop loans customers. Service Centre and Public Distribution System activities. Loan business rose from ` 20.00 lakh to Inadequate credit services to members. ` 2.00 crore.
Turnaround from losses in 2015-16 to THE BENEFICIARIES profit of ` 9.26 lakh in 2018-19. Members of Noolvi PACS Diversification of loan portfolio - rural and residents of nearby housing, dairy farming, SHGs, tractors, villages of Hubli Taluk power tillers etc. THE solution
The District NABARD sanctioned loan assistance of ` 33.30 lakh under Producer Organisation Dharwad Development Fund. Flavors 61
THE INITIATIVE Bringing women THE CHALLENGE THE impact folk together for Integration of SHG members to income- Started with 15-member group - commencing income- generating activities. expanded to 554 members and formed generating activity Difficulties in bank credit linkage. cluster-based JLGs.
Marketing of homemade products. Average monthly turnover of Rural Mart ` 2 lakh.
THE BENEFICIARIES Surge in socio-economic status of the Joint Liability Groups cluster members. in Virajpet Taluk, Generated direct and indirect wage Kodagu District employments. THE solution Establishment of brand name 'FLAVORS'.
NABARD sanctioned grant assistance of The District ` 2.43 lakh to Kodagu’s Nature's Best Food Cluster. Kodagu Forming clusters of JLGs viz., Food cluster, dairy, vegetable, poultry, piggery, apiculture, etc.
Capacity building programmes and enabling food production certificate.
Participation in melas/exhibitions.
Credit linkage Syndicate Bank - `148 lakh. Persevere and Succeed 63
THE INITIATIVE Transformation of THE CHALLENGE THE impact Kolar District Central In 2007-08, the accumulated losses of the The bank gained positive net-worth of Cooperative Bank into a bank was ` 4,721.03 lakh. ` 527.73 lakh in 2014-15. strong and vibrant bank The real and exchangeable value of the Wiped out the accumulated losses in owned funds was ` (-)3,802.83 lakh. 2018-19 by posting profit of ` 40.92 lakh. The NPA was 95.10%. The net margin was as low as (-)9.07%. From 2008-09 to 2018-19, the share THE BENEFICIARIES Deposits outstanding ` 4,655.44 lakh. capital increased by 897%. Deposits rose The clients of the bank The bank has the challenge of establishing by 596%. confidence among the present and future depositors. NPA came down to 3.20 %. Net margin, scaled up to 0.51%.
Capital Adequacy Ratio, reached the level of 11.19%. The District Kolar THE solution
Regular review meetings on turnaround strategies, for ensuring steady progress.
SHG bank linkage programme grew 10 times
Good governance adopted by the president and members of BoD. Zero tolerance to loans slipping into Non-Performing Assets.
Increased share capital contribution from client institutions by ensuring operation efficiency. Waddarala 65
THE INITIATIVE Watershed development THE CHALLENGE THE impact works under Watershed Vagaries of nature - either severe drought or Water harvesting - 13 dried open wells Development Fund heavy flood year after year. got recharged. 40 acre horticulture and
Migration, depletion of groundwater, forestry plot developed. undulating landscape. Improvement in soil health - improved Degradation of natural resources, low income from 15% to 20%. productivity and fodder scarcity. THE BENEFICIARIES Land dispute, land encroachment, Drought resilient and short duration 500 farmers of Waddarala open grazing. varieties yield increase by 2 quintal village of Chikkodi taluk per acre.
Mixed cropping - increased income to around 300 families.
Fodder development in 75 acres - The District increase in milk yield. Belagavi THE solution
NABARD sanctioned BAIF with grant assistance of ` 49.34 lakh for Climate Change Adaptation Project in the year 2017.
Soil and water conservation measures - Trench-cum-bund (TCB), excavation of farm ponds, check dam repairs.
Productivity enhancement techniques. multiple cropping.
Livelihood for landless - SHG Bank Linkage.
Convergence with line departments. Tamarind brings Smiles 67
THE INITIATIVE Formation of Farmer THE CHALLENGE THE impact Producer Organisations Rainfed agriculture – erratic rainfall and high Ramapura Farmers Producer Company surface run off. Ltd., with 485 farmers mobilised share
Poor resource base, illiteracy, fragmented capital of ` 4.85 lakh. lands, low productivity. Established brand image for tamarind No access to better markets – no and millet products. Yearly average input remunerative prices. THE BENEFICIARIES supply business ` 5.00 lakh. Farmers of Ramapura Indebtedness and migration. Hobli, Kollegal Taluk Aggregation of farm produce and link to markets – Yearly average turnover ` 20 lakh.
Introduction of new method of cultivation THE solution in turmeric, increase in the area under sambar onion cultivation. Incremental The District NABARD sanctioned formation of FPO to income to farmers by 30%. Chamarajnagar RIDA, with grant assistance of ` 9.06 lakh. Direct market linkage for maize crops with Building skills and knowledge on adoption merchants – delinking middlemen. of low cost technologies for water efficient crops.
Aggregation of produce, processing (value addition), packing and marketing directly to consumers.
Linkage with financial institutions - working capital support from NABKISAN ` 6.00 lakh.
Participation in various National/ International/State/District level Exhibitions/Melas. Path to Prosperity 69
THE INITIATIVE Tourism Project under THE CHALLENGE THE impact Rural Infrastructure The link road between Kodalasangam Travel time to reach Koodalasangam Development Fund Mahadwar to Kodalasangam Temple was in had reduced. depleted condition. Footfall of pilgrims to temple had The other link road was 10 km. longer. increased. Kodalasangam a holy place has the tourism potential. Increased job opportunities to local tourist THE BENEFICIARIES operators, guides & vendors. Koodalasangam Village in Hungund Taluk Increased revenues to village panchayat.
THE solution
The District NABARD sanctioned ` 396.00 lakh under Bagalkote RIDF.
Double lane smooth black top road had been established. Water – The Elixir of Life 71
THE INITIATIVE Financing PACS to THE CHALLENGE THE impact become Multi Service Chitguppa and its surrounding villages were Chitguppa and the surrounding villages Cooperatives not getting safe potable water. have safe potable water at affordable
The society was looking for alternative price. business with a social cause. The society could provide employment to people.
THE BENEFICIARIES Many PACS and other units replicated this Chitguppa PACS model in their area.
The society is earning handsome profit from this plant.
THE solution The client base of the society had increased after the introduction of RO plant in their premises. The District NABARD sanctioned ` 19.47 lakh as loan Bidar under PACS as MSC to start RO plant with ` 1.25 lakh grant. Farmers’ Collectives 73
THE INITIATIVE Formation of Farmer THE CHALLENGE THE impact Producer Organisation Rainfed agriculture and erratic rainfall. Hasanamba Farmer Producer Company
Poor resource base, illiteracy, fragmented formed by 560 farmers with share capital lands, low productivity. of ` 5.60 lakh.
Middlemen exploitation. Input supply business - ` 15.00 lakh THE BENEFICIARIES No access to better markets - (20 tonnes). no remunerative prices. Farmers of Nitturu Hobli, Aggregation and marketing of maize - Low level of technologies. Hassan Taluk 300 Tonnes worth ` 65.00 lakh.
Crop contract activity. Ended exploitative practices of middlemen - introduction THE solution of moisture meter, uniform packing, digital weighing machine, daily price The District quotations etc. Hassan NABARD sanctioned grant assistance of ` 7.84 lakh for forming and nurturing of FPO Increase in farmers’ net income by 15%. to Organisation for Resource Development Exposure to modern farming technologies. and Environment Rejuvenation (ORDER).
Capacity building through trainings and exposure visits.
Provision of quality inputs and aggregation of produce for direct marketing.
Leveraging resources from the Government and NABKISAN - ` 25.50 lakh and ` 4.00 lakh respectively.
Participating in various District/State/ National Level Melas. Self-Help Groups 75
THE INITIATIVE SHG Bank Linkage THE CHALLENGE THE impact Programme in the Farmers practice rainfed agriculture. 119 SHGs (1,501 members) were formed. financially excluded 90% of the population depend on agriculture. segment SHG members were covered under Rural poor women were financially excluded Pradhan Mantri Suraksha Beema Yojana & to a large extent. Pradhan Mantri Jeevan Jyothi Yojana.
THE BENEFICIARIES Most of the SHGs have taken multiple Poor Rural Households, dose of loan from the bank and repaying regularly. Begur, Gundlupet Taluk, Chamarajnagar district, SHG members are now graduated to Karnataka several income-generating activities like THE solution petty shops, vegetable business, bakery units, public auto service etc.
NABARD sanctioned to IHDUA, NGO for The District Children of SHG members are now having formation and bank linkage of 100 SHGs access to higher secondary and college Chamarajnagar with grant support of ` 2,000/- per each education. SHG bank linkage.
Handholding with the banks for credit linkage. Making people Beautiful 77
THE INITIATIVE Skill Development THE CHALLENGE THE impact Programme Unemployed educated young rural women. 76% settlement rate.
Lacking entrepreneurial skills. Tie-up with L'Oréal Company for setting Economic and social dependence - up of beauty parlour units. lower income group. THE BENEFICIARIES Women empowerment through self- 50 women of employment – improved social status – Belagavi taluk economic independence.
The District THE solution Belagavi NABARD provided grant assistance of ` 3.00 lakh to Dalmia Foundation for conducting 3 months' course on beauty parlour and tailoring.
Imparted entrepreneurial skills. Unity is Strength 79
THE INITIATIVE Formation of Farmer THE CHALLENGE THE impact Producer Organisation Non-availability of timely adequate inputs Formation of Kalmeshwar Farmers like seeds, fertilisers, pesticides, etc. Producer Company Limited (KFPCL) -
Losses in marketing due to dominance by 820 farmer members with share capital middlemen. of ` 8.20 lakh.
THE BENEFICIARIES Dependency on moneylenders for credit Enabled construction of 2,500 farm ponds. Farmers from 45 villages requirements. in Navalgund Taluk Lack of storage facilities forcing sale of Credit linkage of ` 85.00 lakh through harvested produce in the field itself. NABKISAN for setting up of a ‘Resource Center’ with storage and processing units. Non-accessibility to price information and thus exploitation by traders. Rolled out procurement center for green The District gram – turnover ` 4.5 crore.
Dharwad Direct market connectivity for green gram THE solution and Bengal gram - net increase in farmers’ income by 18%. NABARD sanctioned grant assistance for formation of FPO to M/s. Deshpande Foundation, Hubbali, the Producer Organisation Promoting Institution.
Introduction to advantages of soil and water conservation techniques.
Pre and post-production interventions through input supply, construction/hiring of warehouses, market linkage, etc. Super Marketing 81
THE INITIATIVE PACS as Multi Services THE CHALLENGE THE impact Cooperatives Sirsi did not have an one-stop market access The average footfall per day in the to farmers . complex is 500. Every year around 1.5 lakh
Time, labour and cost are lost in search of customers visit the showroom. products of their choice. The sales turnover for the year, 2018-19 THE BENEFICIARIES Farmers were not able to negotiate from far stands at ` 122 crore. Clients of The Totagaars’ off vendors. Cooperative Sales Society, The Supermarket has resulted in supply Sirsi of quality branded products at competitive rates.
Transparent billing mechanism ensured fair price for the farmers, saving in The District cultivation cost. Uttara Kannada THE solution
NABARD sanctioned a loan of ` 400 lakh and grant of ` 20.00 lakh to the Society for construction of Godown cum Supermarket.
TSS Supermarket commenced in a new four floor building named "Shripad Hegde Kadave Complex".
The complex has all types of goods – agriculture, horticulture, forestry and consumer products. Orchards and Livelihoods 83
THE INITIATIVE Tribal Development in THE CHALLENGE THE impact Sandur, Ballari Dependence on agriculture. 686 wadis planted and maintained.
Unemployment and seasonal migration. Survival of 14,845 mango and 7,309 sapota plants (83%). Depletion of groundwater & poor rainwater management. 200 farm ponds - enhanced farm THE BENEFICIARIES activities – recharge of groundwater. Ankanamanhal and its neighbouring villages in Increased family income – change in Sandur Taluk lifestyle.
Reduction in migration.
Formation of Farmers’ Producers’ Company. The District THE solution Bellari NABARD extended assistance to SANKALPA for an integrated tribal development project in March 2014.
Introduction to Wadi concept and other income-generation activities.
Convergence from Agriculture Department (construction of farm ponds) and from Horticulture Department (mango plants gap filling). Farmers’ Collectives 85
THE INITIATIVE Formation of FPO under THE CHALLENGE THE impact PRODUCE Fund Market stagnation in coffee prices compared Formation of Puthari FPC Ltd. of to other commodities. 489 farmers.
Challenges in replanting of old plantations. Annual average turnover of ` 1.72 crore in Shortage of labour - increase in labour cost. THE BENEFICIARIES its second year of operation. Coffee Planters of Aggregation of farm produce with Kodagu District different quality standards.
Transfer of technology reduced cultivation cost by 20%.
Fair price to farmers through direct The District marketing - increased farm incomes. Kodagu THE solution
NABARD sanctioned grant assistance of ` 7.80 lakh for formation of FPO to KVK, Gonikoppal as POPI.
Exposure visits and capacity building of FPO members.
Productivity enhancement measures – widening cropping mix.
Stabilised input supply and output aggression business (direct market connect). Allied Agriculture – Ensured Sustainability 87
THE INITIATIVE Livelihood and THE CHALLENGE THE impact Entrepreneurship Rainfed cultivation and dependence on Credit linkage to 57 members out of Development agriculture for livelihood. 60 trainees.
Programme – Dairy Inadequacies in maintaining healthy animals. Farming Empowerment of women – socio- Poor market connect – exploited by economic development. middlemen. Increased income - change in the lifestyle of the beneficiaries. THE BENEFICIARIES 60 women farmers of Access to higher education of wards Chadchan and nearby of the beneficiaries. villages in Indi taluk THE solution
NABARD sanctioned grant assistance of The District ` 1.71 lakh to NGO, CRDS.
Vijayapura Skill development on animal care.
Involving all the stakeholders for ensuring all essential services.
Exposure visits to successful dairy units in the vicinity. Waste becomes Catalyst 89
THE INITIATIVE Formation of Farmer THE CHALLENGE THE impact Producer Company Inadequate labour for areca nut de-husking. Pragatimitra FPO was formed with 850
Unaware of marketability of Chogaru, the farmers with share capital of `11.06 lakh. thicker extract, a by-product of areca nut FPO is having average annual turnover of processing. ` 42.00 lakh. THE BENEFICIARIES Reduction in processing cost. Members of FPO, Sirsi Increased farm income on account of value for the by-products.
The District Uttara Kannada THE solution
NABARD provided grant assistance of ` 9.06 lakh for formation of FPO to MANUVIKASA, NGO in March 2015.
Loan of ` 7.00 lakh from NBFC for the purchase of 02 customised mobile de-husking units.
Establishment of common facility centre.
Impart skills to de-husk using machines and knowledge about the by-product of areca nut processing - a thick red extract called CHOGARU.
Procure Chogaru, which was a waste earlier and market it to leather industry (for tanning purpose). Being Together to Excel 91
THE INITIATIVE Formation of Farmers THE CHALLENGE THE impact Producers Organisation Rainfed – depletion of groundwater. The Basaveshwara Farmer Producer
Influence of middlemen. Company was formed with 300 farmers.
Inadequate input supply and market connect. The company provides inputs like fertiliser, seeds and pesticides at very THE BENEFICIARIES competitive prices. Farmers of Shiggaon and Svanur taluks Custom hiring of agriculture machineries and equipments.
Developed 42 farm ponds to conserve water and enhance farming activities. The District Haveri THE solution
NABARD extended grant assistance to Deshpande Foundation for formation of the FPO.
Implemented productivity enhancement measures - soil health, judicious water management, pest repellents etc.
Established market linkages and cross learning visits to other successful units in other districts. Sustainable Agriculture 93
THE INITIATIVE Watershed development THE CHALLENGE THE impact under Watershed 80% farmers depend on rainfed agriculture. Positive impact on the lives of 670 farmers. Development Fund Drying of existing borewells. Improvement in soil health. Migration for livelihood. Switched to climate resilient crops and Less fodder availability for livestock. cropping systems. THE BENEFICIARIES • Inability of the farmers to cope with Villagers of Bennikalu and increasing temperature during summer and Mitigation from climate change risks. Kalahalli in H B halli Taluk less, but intense rainfall in short period. Sustainable NRM practices for food security.
The District THE solution Bellari
NABARD extended grant assistance to MYRADA, Bellari for climate proofing of watershed project.
Change of agriculture practices like crop rotation, intercropping, seed treatments etc.
Saplings on farm bunds to increase the vegetative coverage.
Organic cultivation.
Exposure visits to climate change adaptation practices. Climate Proofing - Food Security for our Future 95
THE INITIATIVE Promotion of IFS THE CHALLENGE THE impact model for doubling of Degradation of soil due to erosion and lack of Soil erosion arrested at 4 points. income. Promotion of water conservation. Switch to micro irrigation activity. marketing outlets for Sustainable NRM & climate resilient farming, own livelihood activity at livelihood and food security. Uncultivated land brought under village & cluster level Capacity building, institutional development horticulture and forestry. and knowledge management. Adoption of deep ploughing, tank silt application and use of bio fertilisers - increase in family income. THE BENEFICIARIES 243 households of 15 seed wealth centres & fodder banks Bhutanala, Arakeri and THE solution were set up. Ittangihal villages in
Vijayapura district NABARD sanctioned grant assistance of ` 48.50 lakh to Vishala, NGO.
Implementation of soil and water conservation.
The District Soil health and productivity enhancement.
Vijayapura Climate risk mitigation activities.
Capacity building of all the stakeholders. Sustainability through Supermarket 97
THE INITIATIVE Development of PACS as THE CHALLENGE THE impact a Multi-Service Centre Loss-making society. Opening of 4 fair price retail outlets in 3
Very low financial leverage. years & opening of KCC branch also in that premises. Scope for widening business. THE BENEFICIARIES Diversified loan portfolios – rural housing, SHGs, vehicle loan, dairy farming, loan on Prathama PACS and the deposits etc. people in and around Hulgur village of Surge in non-credit business – earned handsome profits. Shiggaon Taluk Increase in customer base – overall business volumes increased by 30%. THE solution The District NABARD extended loan assistance of Haveri ` 220 lakh under PODF for upgrading the society as multi-service centre. Sustainable Black Peppers 99
THE INITIATIVE Arka Microbial THE CHALLENGE THE impact Consortium for Yellowing of leaves, spike dropping and death Promotion of organic farming. promotion of organic of vines due to quick wilt disease. Improve the organic carbon, fertility status farming in black pepper Loss of plantations of about 15-25% vines and soil health. every year due to disease attack.
Replanted vines take 6-8 years to reach full 8,342 farmers are benefited with the yielding potential. THE BENEFICIARIES coverage of 4,329 ha of the black pepper Inadequate and improper application of farm growing areas of the district. Black pepper growing yard manure. farmers of Kodagu District, Karnataka
THE solution The District NABARD provided grant support of ` 4 lakh Kodagu to KVK, Gonikoppal during 2014-15.
Drenching of lignite-based Arka Microbial Consortium during June, September and November at the rate of 4 kg in 200 lit. of water.
AMC treated vines observed with early initiation of new shoots, less spike shedding, not much yellowing of the vines and recovery from foot rot disease in all the farmers’ field. Scaling New Highs 101
THE INITIATIVE Formation of FPO under THE CHALLENGE THE impact PRODUCE Fund Socially and economically heterogeneous Formation of Krushik Mitra Farmers’ groups of farmers. Producers Company Ltd. - 500 farmers
Difficulties in imparting technology and with share capital of ` 5.00 lakh. ` 5 lakh direct market linkage. Equity Grant from SFAC.
No financial support from formal financial Yearly average turnover around ` 2 crore. institutions. THE BENEFICIARIES Expanded National Level Marketing. 500 farmers from Harugeri, Raibag taluk ` 37 lakh loan assistance from NABKISAN for business expansion. Established 3 Farmer Service Centres.
THE solution Direct market connect enabled farmers to get increased income – change in lifestyle. The District NABARD sanctioned formation of FPO to Belagavi Krushik Mitra Grameen Abhivruddhi Sansthe, Belagavi district with grant assistance of ` 18.16 lakh.
Exposure visits to District/State level melas.
Weekly meetings on improving farm productivity and collective marketing.
Aggregation of produce directly by entering into MoU with Roquette India Pvt. Ltd., Gokak for maize supply.
To explore business at national level. Nothing but Success 103
THE INITIATIVE Transforming PACS into THE CHALLENGE THE impact Multi Service society Unviable business turnover. Great reduction in distress sale
Capacity building of the BoDs and staff. among farmers.
Market connectivity and inadequacies in The society earned profit of ` 44.56 lakh post-harvest infrastructures. through hiring of Common Facility Centre THE BENEFICIARIES to farmers for drying, sorting, cleaning, Farmers of Kanamadi grading, & packing raisins. village Farmers also got better margins while marketing their products.
Provision of agriculture inputs and market The District enabling services with assured quality had helped the farmers to gain confidence in Vijayapura THE solution their agricultural operations.
NABARD provided loan assistance of ` 15.00 lakh to Kanamadi PACS for construction of a rural godown with a capacity of 190 MT and a Common Facility Centre for raisin processing.
Imparted skills on storage marketing and management techniques.
Set-up of PACS advisory committee for periodical reviews. Technology powers Agriculture Productivity 105
THE INITIATIVE Enhancement of THE CHALLENGE THE impact Redgram (BSMR-736) Reluctance to change to new technology in The yield has increased by 50% i.e. from yield by transplanting seed treatment. 7.5 qtls to 20 qtls per ha. technology through Farmers were not readily receptive to the Savings in seed rate by 3 kg/ha. people’s participation idea of wider spacing of 5x3 feet.
Nipping operation was not practiced by Shift in cropping pattern from maize the farmers. cultivation - increase in soil fertility.
Additional income on straw sales. THE BENEFICIARIES Farmers from villages around Ranebennur Taluk THE solution
NABARD provided grant support of ` 3.52 The District lakh to Agricultural Research Station, Haveri Hanumanamatti under Farm Sector Promotion Fund.
Conducted field demonstration programme on new technologies.
Exposure visits to places where these technologies are already in vogue. Notes Notes Notes
National Bank for Agriculture and Rural Development
Karnataka Regional Office 46, K. G. Road, Bengaluru - 560 009 E-mail: [email protected] www.nabard.org | /nabardonline