nabard presentation bank
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Promote sustainable and equitable
agriculture and rural prosperity through
effective credit support, related
services, institution development and
other innovative initiatives
Mission
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NABARD- unique features
Facilitating credit flow for agriculture and rural development Strengthening rural credit delivery system through institutional
development measures
Supervising rural financial institutions (rural co-operative banks
and regional rural banks) Promoting and supporting policies, practices and innovations
conducive to agriculture and rural development
Raising resources from urban areas to facilitate flow of credit
for rural development Enabling the poorest of the poor to access financial services
through the largest micro finance movement in the world
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Laying special emphasis on development of the sociallydisadvantaged, particularly the tribal people
Piloting Natural Resource Management through programmes for
soil and water conservation
Facilitating credit planning on assessed developmental potentialand monitoring ground level credit flow PLP
Providing financial support to State Governments for developing
appropriate rural infrastructure- RIDF
Capacity building of RFIS and rural entrepreneurs Providing consultancy services in project preparation, appraisal,
financial services, evaluation etc. to banks, government and
private enterprise.
NABARD- unique features Contd
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Credit Planning and monitoring
Credit
Refinance
Co-Finance
Finance
Institutional Development
Supervision
Promotion and Development
Consultancy
Broad Functions
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Credit Planning and Monitoring
District level Potential Linked Plans prepared for all
districts;
392 District level offices covering 480 districts out of
608;
District level coordination done by District Development
Manager
State Level aggregation of District Plans;
Monitoring the flow of GLC for agriculture & allied
activities;
Issuing policy & operational guidelines to Coop. Banks &
RRBs;
Coordinating with GoI & RBI in policy formulations in
regard to agriculture & allied activities;
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Credit
Credit is provided as Refinance to
Cooperative Banks and Regional Rural Banks for financingfarmers for meeting their production costs (short term) foragriculture & allied activities- Short term refinance limitsto Cooperatives and RRBs increased from Rs. 1658 crore in1982-83 to Rs. 16,352 crore in 2007-08;
Commercial Banks, Cooperative Banks and RRBs forInvestment Purposes (medium & long term) in agricultureand rural non farm activities. Investment refinanceincreased from Rs.703 crore in 1982-83 to Rs.9046 crorein 2007-08.
Kisan Credit Cards- an innovative product designed byNABARD to provide timely and hassle free credit tofarmers in meeting farmers credit needs (production,investment and consumption) 71.5 million cards issued ason 31 March, 2008
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Many of the rural credit products have beenevolved and developed by NABARD
Major activities financed
Animal husbandry, Land Development, FarmMechanisation, Plantation & Horticulture, MinorIrrigation, creation of storage capacity, rural nonfarm sector; rural housing, SHG financing, forestry& wasteland development,organic farming, etc.
CreditContd
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Co-financingwith Commercial Banks for hi-tech /export oriented agriculture
Direct Financingto State Governments
Rural Infrastructure Development
Share Capital contribution to Cooperative
Credit Institutions
Revolving Fund Assistance
Credit Contd
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Institutional Development
Strengthening of Rural Financial Institutions (RFIs) to ensure
credit delivery to the sector
Development Action Plans (DAPs) to enable RFIs to attainsustainable viability over specified time frame
Memorandum of Understanding with Banks/ State Governmentsfor implementation of DAPs
NABARD appointed implementing agency for ongoing process of
Revitalisation of Cooperatives - Financial package to beadministered subject to strict conditionalities for reforms andperformance obligations - accordingly NABARD assistingCooperative Banks with sufficient training for special audits,building common accounting & monitoring system, undertake HRD
initiatives, computerisation, etc11
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Institutional Development Contd..
Has constituted a Cooperative Development Fundin NABARDto support Cooperative Credit Institutions in undertakingdevelopmental initiativesFinancial assistance provided for :-
Infrastructure
Building MIS/Audit Systems
Training Women Development Cells
Human and Institutional Development through Organisational
Development Initiatives for RRBs and Cooperatives;
Best Performance Awards for Cooperatives
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Supervision
Supervision of Cooperative Banks and RRBs to assess - Financial Viability
Operational Soundness
Managerial efficiency
Compliance with Regulations
Individuals Supervision of banks is sharply focused on core areas of
functioning pertaining to Capital Adequacy, Asset Quality,Management, Earnings, Liquidity & Systems Compliance(CAMELSC);
On-site inspection on biennial basis;
Off-site surveillance systems also undertaken;
Board of Supervision Advisory Body to provide directions andguidance for supervision
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Various Funds setup in NABARD(As on 31.3.2008)
Name of Fund Corpus(Rs. Cr)
Objectives
NRC(LTO) FUND 13615 Refinance operations
NRC (Stabiliation) Fund 1544 Conversion of ST loans into MT
loans in times of natutalcalamities
Cooperative Dev Fund(CDF)
125 To Support cooperativeinstitutions in undertakingdevelopment initiatives
WaterShed Dev Fund 614 Supporting Watershed activities
Tribal Development Fund 603 Development of Tribal areas
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Various Funds setup in NABARD(As on 31.3.2008) contd
Name of Fund Corpus (Rs.
Cr)
Objectives
Micro FinanceDevelopment & EquityFund
127 Supporting micro finance & equitysupoort to mFIs
R & D Fund 50 Supporting R&D in Farm sector
Farm Innovation &Promotion Fund
4.17 Supporting innovative, riskfriendly & unconventionalexperients farm & NFS sector
Rural Innovation Fund 110 Supporting innovations in nonfarm sector
Financial Inclusion Fund 15 Support developmental &promotional activies to securegreater financial inclusion
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Name of Fund Corpus (Rs.
Cr)
Objectives
Financial InclusionTechnology Fund 15 To enhance investment in ICTaimed at promoting financialinclusion
Farmers TechnologyTransfer Fund
25 Facilitating disseminating &adoption of appropriatetechnologies
Various Funds setup in NABARD(As on 31.3.2008) contd
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Promotion and Development
Micro Finance Initiatives (SHG-Bank Linkage)
Now one of worldslargest micro finance initiatives Pilot started in 1992 with 500 SHGs 3.5 million SHGs linked to the institutional credit structure (31 March,
08), 58 million poor households accessed MF; Rs. 22000 crore (Approx) given as credit to the SHGs
Capacity building support for Bankers, NGOs, Govt Officers and SHG members Micro Finance Innovations -
Pilot Project for promotion of micro enterprises by SHGs Pilot for financing Joint Liability Groups Pilot for SHG Post Office Linkage Support to MFIs through RFA, rating support, capital/equity support, etc.
Pilot project for providing social security system for SHG members; Micro Finance Development & Equity Fund (MFDEF) created in NABARD for
scaling up of the SHG Bank Linkage Programme. Financial Inclusion Fund and Financial Inclusion Technology Fund set up with
NABARD with a corpus of Rs.500 crore each
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Promotion and Development Supporting Rural
Entrepreneurship Development
NABARD supports NGOs/ other specialised institutions in
conducting Rural Entrepreneurship Development Programmes
(REDP)
Training of rural unemployed youth for capacity building
Skill and management inputs provided
Supported more than 9400 REDPs and trained over 233
thousand rural youth so far
About 50% of the trained persons have set up their ownself employment ventures
Each successful unit can provide employment to additional
1 to 2 persons
P ti d D l t R l N f S t
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Promotion and Development Rural Non farm Sector
Development through Area approach
District Rural Industries Project (DRIP) Area based programme with District as the unit; Credit intensification programme for promotion of rural
industries through convergence of all credit and non creditprogrammes and synergy among various partner agencies;
Implemented in 106 districts as on 31 March, 2008;
Cluster Approach Development of select rural clusters through need based
interventions for input supplies, technology upgradation,
market orientation and sustainable income generation; 56 Rural clusters developed as part of National programme
for Rural Industrialisation; 61 clusters developed by NABARD in 56 districts across 22
states as against 50 clusters envisaged
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Promotion and Development Farm Sector
Initiatives
Natural Resources Management
Watershed Development Programme -initiated in 1992 todevelop micro watersheds in an integrated and comprehensivemanner, for achieving sustainable production systems throughpeoples participation with emphasis on soil and waterconservation and rejuvenation of natural resources
A novel initiative for regeneration of natural resourcesinvolving village communities through participatory approach;Emphasis on self-help, environmental protection and povertyalleviation
Village Communities in close collaboration with committedNGOs and NABARD involved in designing, planning,implementation and monitoring the watershed developmentprogrammes
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P ti d D l t F S t
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Promotion and Development Farm Sector
Initiatives
Strategies adopted for successful implementation
Peoples commitment that decides selection of a
watershed. A selfselectionprocess People demonstrate willingness to undertake the
watershed project through shared labour and
development of micro-watersheds
Community discipline (self imposed); villagers agree tobring down the cattle population within the carrying
capacity of the land, ban free grazing and tree felling.
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P ti d D l t
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Promotion and Development
Farm Sector Initiatives
Impact of Watershed Development -
Rise in ground water level between 1 to 2 m has been observed
Drinking water scarcity in villages has been overcome
Local employment generation has improved, reducing off seasonmigration
Increase in agricultural productivity and production -
Dairy activity has received a fillip
Demand for credit has gone up
Women empowerment and reduction in drudgery; large numberof women SHGs formed and credit linked
Secondary impact improved quality of life, housing, health andeducation (schools)
Watershed Development Fund created in NABARD to createreplicable watershed development models with participatoryapproach.
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Watershed Treatments:
Ridge to Valley Approach
Continuous Contour Trenches23
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Impact of Watershed Programme
Plantation on Trenches Ist Year Forestry
Fodder Cultivation24
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Promotion and Development
Natural Resources Management
Wadi a small orchard: Tr ibal Development Programme
The programme commenced in 1995 for comprehensive development oftribal families through wadi approach in Gujarat & Maharashtrabenefiting over 20,000 tribal families.
Focus on livelihood support and improvements in quality of life.
A small orchard (WADI) of suitable fruit crops with forestryplantations on the boundarycore intervention. Soil conservation and water resource development to support the wadis Other Critical Components dovetailed:
Community Health Women Development
Development of landless Processing and Marketing
Implementation through Peoplesparticipation Tribal Development Fund created in NABARD to support models for
tribal development
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Wadi Programme
Established Wadi
Blooming Mango Tree
Temporary check dams
for irrigating wadis
Tree platforms:
Soil conservation
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Promotion and Development
Gender Development Gender sensitization programmes
Women Development Cells
Assistance to Rural Women in Rural Non Farm Sector
Development (ARWIND) Assistance for Marketing Non Farm Products of Rural
Women (MAHIMA)
Development of Women through Area Programme
(DEWTA)
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Major Govt Programmes being implemented
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Major Govt. Programmes being implemented
by/through NABARD
NABARD has overseen the implementation of Farm Package announcedby GOI in 2004
The agricultural advances were doubled in span of two years as
against three years envisaged
PMs package for distressed districts being implemented in 31 districts
spread over 4 states of Maharashtra, Andhra Pradesh, Karnataka &
Kerala
NABARD vested with implementation of Agriculture Debt Waiver and
Debt relief Scheme 2008 in cooperatives and RRBs
NABARD is closlely monitoring the issue of fresh finance to farmers
who were extended the benefit of debt waiver/debt relief in 2008
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Centrally sponsored schemes of GOI being
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Centrally sponsored schemes of GOI being
implemented by NABARD
NABARD VESTED WITH IMPLEMENTATION OF 24 CENTRALLY
SPONSRED SCHEMES OF GOI SOME OF THE IMPORTANT SCHEMES BEING IMPLEMENTED
INCLUDE CAPITAL INVESTMENT SUBSIDY SCHEME FOR COLD STORAGE ,
CISS FOR RURAL GODOWN,
CREDIT LINKED CAPITAL SUBSIDY SCHEME FOR TECHNOLOGYUPGRADATION OF SSIs,
INTEGRATED WATERSHED DEVELOPMENT PROG RSVY,
DAIRY AND POULTRY VENTRURE CAPITAL FUND
MILLION SHALLOW TUBEWELL PROGRAMME
VIDARBHA PACKAGE
CAPITAL SUBSIGY FOR AGRI MARKETING, INFRASTRUCTURE,GRADING AND STANDARDISATION
CISS FOR PRODUCTION OF ORGANIC INPUTS
GROUND WATER SCHEME IN ANDHRA PRADESH, GUJARAT,KARNATAKA, MAHARASHTRA, MADHYA PRADESH, RAJASTHAN ANDTAMIL NADU
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Consultancy
NABARD has set up a subsidiary company to undertake
consultancy on behalf of NABARD Clients
Government of India
State Governments
International Bodies Corporates
Individuals
Areas agriculture, agro-processing and infrastructure projects,
micro finance, watershed Development, Non-Farm Sector,
Institution Development and Training
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NABARD- Role in
Infrastructure Developmentin Rural Areas
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OBJECTIVE OF RIDF TO PROVIDE COST EFFECTIVE LOAN SUPPORTTO STATE
GOVERNMENTS TO DEVELOP INFRASTRUCTURE IN
RURAL AREAS.
NABARDsROLE NABARD IS THE APPRAISING, SANCTIONING,
FINANCING, MONITORING AND EVALUATINGAGENCY
FOR RURAL INFRASTRUCTURE FUNDING FROM RIDF.
RIDF - A STRATEGIC MESHING OF THEINFRASTRUCTURAL GAPIN RURAL AREAS AND THE
LENDING GAPOF THE COMMERCIAL BANKS.
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RIDF ACTIVITIES AND TERMS OF LOAN
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RIDFACTIVITIES AND TERMS OF LOAN
PROVIDES FINANCIAL ASSISTANCE TO STATE GOVERNMENTS
FOR 31 ACTIVITIES ( RURAL ROADS AND BRIDGES, IRRIGATION,
RURAL DRINKING WATER SCHEMES, MARKETING INFRASTRUCTURE,
HOSPITALS, EDUCATIONAL INSTITUTIONS, etc.)
REPAYMENT PERIOD 7 YEARS INCLUDING 2 YEARS GRACE PERIOD.
RATE OF INTEREST ON LOANS 1.5% LESS THAN BANK RATE MOBILIZATION ADVANCE 20% / 30% OF THE LOAN AMOUNT
IMMEDIATELY ON SANCTION .
SECURITY TIME PROMISSORY NOTE (TPN), MANDATE WITH
RBI/PRINCIPAL BANKER TO STATE GOVERNMENT.
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RIDF - THE ADVANTAGES.
THE MOST COST EFFECTIVE FUNDS TO THE STATE. LOANS WITHOUT ANY MAJOR CONDITIONS.
FIXED INTEREST RATE.
NO HIDDEN COST
NO PROCESSING FEE
NO COMMITMENT CHARGES
NO PRE PAYMENT CHARGES
SUPPLEMENTARY MONITORING CARRIED OUT WITHOUTANY COST TO THE PROJECT
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GoI (Annual Budgetaryannouncement)
RBI ( Bank wise allocations &interest rates)
NABARD
DEVELOP OPERATIONAL GUIDELINES , APPRAISE,SANCTION, FINANCE, MONITOR AND EVALUATE RURAL
INFRASTRUCTURE PROJECTS OF STATE GOVERNMENTS
State Governments (Finance / Planning Dept)
User Dept
Irrigation
User Dept
Dept of AH
User Dept
Dept of Fisheries
User Dept
Roads & Bridges
RIDF - THE FUNDING MECHANISM
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RIDFOPERATIONAL MATRIX
NABARD HO(SPD & PMD)
Sanctioning Committee(SC)( a sub committee of Board)
REGIONAL OFFICEProject appraisal, disbursals
Monitoring and evaluation
District Officemonitoring
Consultants(App. & Mon.)
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Credit Products for Livestock
sector and promotional
activities of NABARD
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Foundation Stock
Frozen Semen Banks
Pureline / Grand Parent Poultry Breeding Farms
Multiplication of Progeny
Breeding Farms
AI Units
Calf Rearing
CREDIT PRODUCTSContd..
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Processing Infrastructure
Construction of Milk Houses Purchase of Milk-o-testers / Automatic Milk
Collection Stations
Bulk Milk Coolers
Purchase of Milk Tankers
Community Milking Machines
Milk Processing Plants
Manufacture of Indigenous Milk Products
Egg Processing Plants
Poultry Dressing and Meat Processing Plants
Slaughter Houses
CREDIT PRODUCTSContd..
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Marketing Infrastructure
Livestock Markets
Poultry Markets
Scheme for Grading, Packing and Exporting of Eggs
Egg and Broiler Centres
Dairy Parlours
Retail Poultry Outlets
CREDIT PRODUCTSContd..
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1. Research and Development(R&D) Fund
2. Farm Innovation & Promotio Fund (FIPF)
3. Rural Innovation Fund (RIF)
4 Farmers Technology Transfer Fund (FTTF)
Promotional Activities
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NABARD - R&D FUND
Objectives
Applied Research and Studies of Technical / EconomicNature.
Training Related activities in Agriculture, non-Agriculture, Rural Credit and Financial System, Agri.Extension etc
Dissemination and Collation of Information
Strengthening the Technical, Monitoring and EvaluationCells of Cooperative Banks and RRBs for facilitatingpreparation, Appraisal, Monitoring and Evaluation ofprojects.
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Corpus : Rs.50.00 crores
Eligible Agencies
Approved Research Institutions/Organisations/ Agencies
engaged in action oriented and Applied Research,
Individuals or group of individuals sponsored by suitableorganisations.
Implemented since inception of NABARD
contdNABARD - R&D FUND
Farm Innovation and Promotion Fund
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Farm Innovation and Promotion Fund
(FIPF)
Objectives
To demonstrate the bankability of new concepts in Agri
and Farm sector.
Development of prototypes to make it commercial.
To acquire innovative technology/designs/ products.
Market surveys for potential assessment of new Agri/
Rural products.
To support innovations in Information Technology.
Corpus : Rs.5.00 crores
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R l I ti F d (RIF)
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Rural Innovation Fund (RIF)
Objectives
To promote technology-based innovations and
transfer of indigenous technology to increase the
productivity of rural enterprises.
To promote livelihood opportunities and employment in
rural areas and facilitating access to financial and
business promotion services for the poor.
R l I ti F d (RIF)
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Eligible Activities
All innovations and related activities in the Farm,Rural Non Farm and micro Finance Sectors.
Technology and skill upgradation providers.
Inputs supply and market support leading to promotionof viable enterprises, sustainable employment,infrastructure development, improved flow and accessof credit to rural entrepreneurs.
Undertake innovations so as to improve efficiency ofcredit delivery and other support services to the ruralresource poor.
Rural Innovation Fund (RIF)contd
R l I ti F d (RIF)
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Corpus : Rs.139.90 crores
Eligible Institutions/ Individuals
All organizations, institutions and Individuals
Implemented since 01 October 2005
contdRural Innovation Fund (RIF)
Farmers Technology Transfer Fund
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Farmers Technology Transfer Fund
(FTTF)Objectives
Facilitate adoption of appropriate technologies throughTraining-cum-Exposure visits, demonstrative projects orsuch other activities.
Dissemination of appropriate technologies and commercialintelligence through direct contacts, literature, visualsetc.
Undertake activities such as financial literacy, creditcounselling and other related activities.
Organisation of farmers into informal associations, JLGs,producer groups, producer companies or other ways forself- help, collective approach for commercialtransactions, networking with the value chain and financialinclusion.
Farmers Technology Transfer Fund
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Contd..
Corpus : Rs. 25 crores
Eligible Institutions/ IndividualsCommercial Banks/RRBs/Cooperative Banks, ATMA, ResearchInstitutions/SAUs/KVKs,, NGOs/Federation/ Association ofFarmers Clubs or any other registered body such as PACsetc., Farmers Clubs/Farmers Collectives\Farmers InterestGroups, Private Companies as part of CSR / TechnologyProviders in Rural Areas.
Implemented since 01 April 2008
Farmers Technology Transfer Fund
(FTTF)
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Other Promotional Funds
Other Promotional Funds of NABARD where,
Animal Husbandry could be one of component
for support are :
Watershed Development Fund
Tribal Development Fund
Financial Inclusion Fund with a corpus of Rs.500 crore
set up by NABARD may also indirectly help in
promoting AH activities apart from others by
supporting capacity building/awareness programmes
Activities Supported through Banks
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pp g
by NABARD
Hatcheries & rearing units :
Inland carps, Ornamental fishes, shrimps and Freshwater prawn
Integrated inland carp culture with :Paddy, Horticulture, Dairy, Piggery, Poultry, Duckery,sewage cum agri. vegetable culture
Inland Farming:Carps, Air breathing fishes, Running water fishes inJhoras & Raceways, Trout, Golden talapia, Fresh water
prawn, mussel culture, etc.
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