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NABARD Schemes

NABARD is a development financial institution in India that manages credit-related concerns like planning, policy, and operations for agriculture and rural undertakings. National Bank for Agriculture and Rural Development (NABARD) offers funds and credit facilities for agriculture-related activities and rural development. Its prime focus area is the growth and development of rural areas nationwide. NABARD works around three main areas that include finance, development, and supervision of the agriculture sector.
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NABARD Scheme - Highlights

Warehouse Infrastructure Fund (WIF) Bank rate* – 1.50% – State Governments
Bank rate – 1.50% – State Government Corporation (with State Govt. Guarantee)
PLR** + Risk Premium – Entities promoted by State / Central Government-owned/assisted (without State Govt. Guarantee)
Current Bank Rate* 4.25%
Current PLR** 7.75%
 

Food Processing Fund (FPF)

 Bank Rate – 1.50% – State Governments
Bank Rate – 1.50% – Entities promoted by State Governments (with Govt. Guarantee)
PLR + Risk Premium – Entities promoted by State Governments(without Govt. Guarantee)
Current Bank Rate for FPF 4.25%
Current PLR for FPF 5.80%

NABARD Scheme – Interest Rate (p.a.) on Refinance to Banks

hort Term Refinance Assistance 4.50% for the below entities:

  • State Cooperative Banks for financing crop loans
  • RRBs for financing crop loans
  • DCCBs directly financing for crop loans
  • Commercial Banks./RRBs in respect of their finance to PACS towards crop loans

7.75% for ST – Additional SAO/ST(Others)/ ST (SAO ) -SCARDBs (Annual Product) ST – Additional SAO (StCBs and RRBs)

7.90% for ST (SAO ) -SCARDBs (Annual Product)

8.00% for StCBs/RRBs – Conversion of Short Term – Crop loans into Medium Term loans
Long Term Refinance Assistance 5.80% – Long Term loan to State Govt. for contribution to share capital of coop. credit institutions6.00% – LT loan to State Govt. for contribution to share capital of RRBs
Regional Rural Banks (RRBs) & State Cooperative Banks (StCBs) 8.20% – Refinance for 5 years and above
8.20% – Refinance for 3 years to less than 5 years
8.10% – Refinance for 18 months to less than 3 years
State Cooperative Agriculture and Rural Development Banks (SCARDBs) 8.30% – Refinance for 5 years and above
8.30% – Refinance for 3 years to less than 5 years
8.20% – Refinance for 18 months to less than 3 years
Direct Lending Bank Rate – 1.50%

Note: The mentioned interest rates are subject to change and depend on the sole discretion of the NABARD authority and RBI. GST and service tax shall be levied extra on the mentioned charges. (1.5% Interest Subvention will be continued till FY 2023-24)

NABARD Scheme is also responsible for the development of cottage industries, rural and village projects, Small Scale Industries (SSIs), etc. Let’s further discuss the features and schemes offered by the NABARD authority.

Features of NABARD Scheme

  • Providing support by refinancing or funding
  • Building infrastructure in rural areas
  • Preparing credit plans at the district level
  • Guiding the banking sector in achieving their credit targets
  • Supervising Regional Rural Banks (RRBs) and Cooperative Banks
  • Designing new projects for rural development
  • Implementing Government’s development schemes
  • Training handicraft artisans

Functions of NABARD

  • Providing financing services for the improvement and development of rural India
  • Organising and managing funding programs for agriculture and farming activities
  • Policymaking for rural financial institutions
  • Providing funds for the development of food parks and food processing units in designated food parks
  • Offering credit facilities to warehouse and cold chain and cold storage infrastructure
  • Providing short-term and long-term refinance services to its customers
  • Offering direct refinance services to cooperative banks
  • Offering credit facilities to marketing federations
  • Specialises in providing long-term irrigation and rural infrastructure development funds

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Loans and Funds under NABARD Scheme

Additional Direct Finance Schemes under NABARD

  • Loans for Food Parks and Food Processing Units in Designated Food Parks
  • Loans to Warehouses, Cold Storage, and Cold Chain Infrastructure
  • Credit Facilities to Marketing Federations
  • Rural Infrastructure Development Fund
  • Direct Refinance to Cooperative Banks
  • Supporting Producer Organisations
  • Alternative Investment Funds
  • Long-Term Irrigation Fund
  • Pradhan Mantri Aawas Yojana – Grameen (PMAY-G)
  • Swachh Bharat Mission-Gramin (SBM-G)
  • Micro Irrigation Fund

Refinance Schemes

  • Short Term Refinance
  • Long Term Refinance
  • Eligible schemes for Refinance under Off Farm Sector

Govt. Sponsored Schemes under NABARD

Farm Sector

  • Producers Organisation Development Fund (PODF)
  • Watershed Development Programme
  • Tribal Development Program
  • Dairy Entrepreneurship Development Scheme
  • Capital Investment Subsidy Scheme for Commercial Production Units for organic/ biological Inputs
  • Agriclinic and Agribusiness Centres Scheme
  • National Livestock Mission
  • GSS – Ensuring End Use of Subsidy Released
  • Interest Subvention Scheme
  • New Agricultural Marketing Infrastructure
  • Formulation of Special Long Term Refinance Schemes

Off-Farm Sector

  • Credit Linked Capital Subsidy Scheme
  • NRLM / NULM (Deendayal Antyodaya Yojana)
  • Weavers Package

Launched by the Government of India in 2000, Credit Linked Capital Subsidy Scheme (CLCSS) was introduced for technology up-gradation of Micro, Small and Medium Enterprises (MSMEs) to facilitate technology upgradation of Small Scale Industries (SSIs) units in the defined products or sub-sectors.

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