Beruflich Dokumente
Kultur Dokumente
2011-12
Letter of Transmittal
i.
A copy of the audited Annual Accounts for the year ended 31 March 2012 alongwith a copy
of the Auditors Report and
ii.
Two copies of the Annual Report of the Board of Directors on the working of
st
National Bank during the year ended 31 March 2012.
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. M. L. Sharma
Directors appointed
under Section 6(1)(c) of the
NABARD Act, 1981
Shri H. R. Khan
Directors appointed
under Section 6(1)(d) of the
NABARD Act, 1981
Shri P. K. Basu
Shri K. Jayakumar
Shri D. B. Gupta
Directors appointed
under Section 6(1)(e) of the
NABARD Act, 1981
Contents
Page No.
NABARD at a Glance
Key Data References
Principal Officers
Highlights ....................................................................................................................................................................................i
I.
Rural Economic Environment .........................................................................................................................................1
Economic Scenario .............................................................................................................................................................1
Agriculture & Rural Economy .............................................................................................................................................5
II. Business Operations.......................................................................................................................................................19
3URGXFWLRQ&UHGLW .....................................................................................................................................................19
,QYHVWPHQW&UHGLW .......................................................................................................................................................24
)LQDQFLQJ5XUDO,QIUDVWUXFWXUH .....................................................................................................................................33
5XUDOLQIUDVWUXFWXUH'HYHORSPHQW)XQG.......................................................................................................................34
1HZ%XVLQHVV,QLWLDWLYHV .............................................................................................................................................. 42
III. Development and Promotional Initiatives ..................................................................................................................45
&UHGLW3ODQQLQJ ..........................................................................................................................................................45
)DUP6HFWRU ...............................................................................................................................................................45
5XUDO1RQ)DUP6HFWRU ...............................................................................................................................................58
)LQDQFLDO,QFOXVLRQ .....................................................................................................................................................59
0LFUR)LQDQFH ............................................................................................................................................................62
1$%$5'&RQVXOWDQF\6HUYLFHV ..................................................................................................................................67
5HVHDUFKDQG'HYHORSPHQW$FWLYLWLHV .........................................................................................................................68
IV. Capacity Building of Client Institutions .....................................................................................................................75
,QVWLWXWLRQDO'HYHORSPHQW ...........................................................................................................................................75
6XSHUYLVLRQRI%DQNV .................................................................................................................................................89
V. Organisation, Corporate Governance and Management .......................................................................................93
0DQDJHPHQW .............................................................................................................................................................93
+XPDQ5HVRXUFHV0DQDJHPHQW ................................................................................................................................94
$GPLQLVWUDWLRQDQG2WKHU0DWWHUV ...............................................................................................................................96
VI. Financial Performance & Management of Resources ..........................................................................................101
6RXUFHVRI)XQGV ....................................................................................................................................................101
8VHVRI)XQGV ..........................................................................................................................................................103
,QFRPHDQG([SHQGLWXUH ..........................................................................................................................................105
Annual Accounts 2011-12 ..................................................................................................................................................107
Auditors Report ............................................................................................................................................. 108
Balance Sheet ................................................................................................................................................ 109
Profit and Loss Account ................................................................................................................................. 110
Schedules to Balance Sheet ............................................................................................................................ 111
Cash Flow Statement ...................................................................................................................................... 133
Consolidated Financial Statements 2011-12 ................................................................................................... 134
E-mail Addresses of NABARD Head Office Departments at Mumbai .............................................................. 140
Regional Offices/Cell/Training Establishments ................................................................................................. 141
Abbreviations ........................................................................................................................................................................143
Boxes
1.1: Measures adopted to Contain Inflation and
Food Inflation .................................................................. 4
1.2: Supply-side Constraints ................................................... 8
2.1: Rural Infrastructure Promotion Fund (RIPF) .................. 42
2.2: Application Service Provider (ASP)
Model of CBS ................................................................ 43
3.1: Impact Evaluation Findings of Watershed Projects ........ 46
3.2: New model in wadi ....................................................... 48
3.3: Pilot Project on Mobile Kisan Credit Card ..................... 49
Tables
Table 1.1
Table 3.3
Table 1.2
Table 3.4
Table 1.3
Table 3.5
Table 1.4
Table 3.6
Table 1.5
Table 1.6
Table 1.7
Table 1.8
Table 1.9
Table 3.7
Table 4.1
Table 4.2
Table 4.3
Table 4.4
Table 4.5
Table 4.6
Table 4.7
Table 4.8
Table 4.9
Table 2.2
Table 2.3
Table 2.4
Table 2.5
Table 2.6
Table 2.7
Table 2.8
Table. 2.9
Table 5.1
Table 5.2
Table 3.1
Table 6.1
Table 3.2
Table 6.2
Charts
Chart 1.1
Chart 2.2
: Agency-wise Share in
Refinance Disbursement.................................... 26
Chart 1.2
Chart 2.3
: Region-wise Share in
Refinance Disbursement.................................... 27
Chart 1.3
Chart 2.4
Chart 2.1
Chart 2.4
NABARD AT A GLANCE
(` crore)
Sources of Fund
2012
2011
Uses of Funds
Net
2012
2011
Capital
3,000
13,408
2,000
11,863
1,000
1,545
Net
Utilisation
Accretion
Cash and Bank Balances
8,313
10538
(-)2,225
Collateralised Borrowing
and Lending Obligation
231
228
2,147
2,548
(-)401
36
19
17
c) AFC Equity
d) SIDBI Equity
48
48
e) AICI Ltd.
60
60
Investments in
NRC(LTO) Fund
Deposits
14,479
14,468
11
1,579
1,577
291
277
14
38,584
85
26,788
124
11,796
(-)39
a) GOI Securities
b) ADFC Equity
34
18
16
g) Nabcons
h) Mutual Fund/VCF
390
(-)390
26
10
16
j) Treasury Bills
58
58
1,037
1,862
(-)825
375
225
150
12,344
13,461
(-)1,117
2,038
680
1,358
48,338
33,885
14,453
129
193
(-)64
30,762
25,432
5,327
140
167
(-)27
f) Other Loans
2,323
182
2,141
g) RIDF Loans
70,860
66,078
4,782
72
88
(-)16
225
230
(-)5
2,470
2,520
(-)50
1,82,075 1,58,872
23,203
k) Commercial Paper
l) Non Convertible Bonds
Borrowings JNN
Solar Mission
33
33
503
503
Certificate of Deposits
1,281
137
1,144
Commercial Paper
2,245
6,448
(-)4,203
182
110
72
RIDF Deposits
75,107
67,878
7,229
d) Interim finance
e) LT Non Project Loans
STCRC Fund
20,000
14,622
5,378
Other Liabilities
6,345
5,546
799
Other Funds
4,953
6,171
(-)1218
h) Co-finance
(Net of Provision)
Fixed Assets
Total
1,82,075 1,58,872
23,203
Others Assets
Total
Unit
Numerical Value
2010-11
Economic Indicators
Overall GDP 1
Agri GDP 1+
Share of Agri GDP in total GDP
South-west Monsoon
GLC
Foodgrains production
Oilseeds production
Sugarcane production
Cotton production
KCC Issued
Development Initiatives
Watersheds
FIPF- projects
Tribal development projects
FTTF
Farmers Club
NABARD-KfW Projects
RIF- promotional programmes
REDP
SCC Issued
FITF & FIF
SHG Loan Disbursed*
Consultancy Assignments - Contracted
R&D Fund - Sanction
Business Operations
Financial Support by NABARD
Refinance - ST Credit
ST (SAO)
- SCB
- RRB
Weavers
- SCB
ST (OSAO)
- RRB
Refinance - Investment Credit
Farm Sector
NFS
SHG
Co-financing projects
RIDF Loans - Sanction
- Disbursement
Performance of RFI
ST Co-operatives
SCB in profit @
DCCB in profit @
LT Co-operatives
SCARDB in profit @
PCARDB in profit @
ST Co-operatives - NPA Position
SCB - NPA @
DCCB - NPA @
LT Co-operatives - NPA Position
SCARDB - NPA@
PCARDB - NPA @
RRB
RRB in profit
RRB - NPA Position
Inspection of banks@@
CCB@@
RRB@@
Financial Performance &
Management of Resources
Total Working Funds
% Growth
% Growth
%
% deviation from normal
% increase
million tonnes
million tonnes
million tonnes
million bales++
million
Amount (` crore)
2011-12
2010-11
2011-12
4,68,291
43,370
5,09,040
54,269
8.4
7.0 QE
14.5 QE
2
21.79
244.80
32.50
342.40
33.00
10.16
6.5
2.8 RE
13.9 AE
1
8.70
252.60 3rd AE
31.20 3rd AE
345.70 3rd AE
35.00 3rd AE
10.07
66
45
126
512
21,903
8
122
3,327
1.20
15.86
62
41
41
98
395
2,5243
8
108
9,852
0.94
11.96
88
374
45
41
11
12
514
14,453
24.13
1.09
291
45
136
8
13
496
14,548
26.87
17.67
60,483
82,339
No.
No.
No.
21
81
3
23
80
3
8
41,779
3
18,162
23,759
9,799.69
216
600
13,486
5,055
3,446
2,545
12
18,315
12,060
No.
No.
29
324
29
317
491
1,691
521
1,457
No.
No.
10
295
5
329
401
401
367
367
% to loan O/S
% to loan O/S
8.84
12.96
9.01
11.61
4,352
16,396
5,719
15,247
% to loan O/S
% to loan O/S
45.06
5187
44.81
51.96
5,648
4,889
6,116
4,834
No.
% to loan O/S
No.
No.
No.
75
3.75
302
260
42
79
4.14
319
240
48
2,421
2,469
1,58,872
1,82,075
No.
No.
No.
No. of projects
No. of clubs
No.
No. of projects
No.
lakh
No. of projects
lakh
No. of projects
No. of projects
No.
No. of projects
33,996
13,926
190
677
15,422
6,525
3,574
3,073
14
20,701
14,927 ^
QE : Quick Estimate
RE : Revised Estimate
P : Provisional
1 : At Factor Cost at 2004-2005 prices
+ : Includes agriculture, forestry and fishing
++ : Of 170 kgs each
@@ : Statutory Inspections ^ : inclusive of warehousing refinance to Banks
@ : Data pertains to financial years 2009-10 & 2010-11
AE : Advanced Estimate. * : Data pertain to 2009-10 & 2010-11
PRINCIPAL OFFICERS
(31 March 2012)
EXECUTIVE DIRECTORS
S. K. Mitra
V. Ramakrishna Rao
B. S. Shekhawat
C.K. Gopalakrishna
P. Satish
K.C. Shashidhar
(Kerala)
P. Mohanaiah
(Andhra Pradesh)
M.V. Ashok
(Maharashtra)
K.K. Gupta
(Odisha)
S. Akbar
(Madhya Pradesh)
A. K. Srivastava
K. Muralidhara Rao
Dr. S. L. Kumbhare
J. G. Menon
V. Mohan Doss
(Bihar)
A. D. Ratnoo
(Rajasthan)
K. S. Padmanabhan
R. Amalorpavanathan
(BIRD, Lucknow)
Mahinder Kumar
N. Krishnan
(Uttar Pradesh)
A. K. Mukhopadhyay
(NRMC)
S. N. A. Jinnah
(Karnataka)
K. Jindal
(Punjab)
K. Sayeed Ali
(Haryana)
H. R. Dave
(Gujarat)
M. K. Mudgal
Smt.. L. Venkatesan
(Tamil Nadu)
Dr. S. Saravanavel
(Jharkhand)
A Lahiri
K. R. Nair
S. C. Rabra
(Jammu & Kashmir)
Naresh Gupta
(Himachal Pradesh)
S. K. Bansal
(Chhattisgharh)
A. P. Sandilya
D. V. Deshpande
(Bihar)
S. Selvaraj
(Uttarakhand)
K. Venkateswara Rao
M. I. Ganagi
R. M. Kummur
G. R. Chintala
(New Delhi)
Subrata Gupta
Jiji Mammen
(Rajasthan)
S. Padmanabhan
(West Bengal)
U. N. Srivastava
(Legal)
Neeraj Kumar
(Technical)
Dr. R. N. Kulkarni
(Economic)
J. S. Pynadath
(Technical)
R. K. Das
(Mizoram)
M. M. Baheti
(BIRD, Mangalore)
Dr. U. S. Saha
(Nagaland)
Dr. S. D. Kulkarni
(Goa)
R. K. Mishra
(BIRD, Bolpur)
S. Athirstavel
(Andaman & Nicobar Islands)
P. C. Chaudhri
(Sikkim)
S. V. Nemlekar
(Manipur)
N. Remesh
(Tripura)
M. T. Wankhede
(Meghalaya)
S. N. Chalia
(Arunachal Pradesh)
Des Raj
(Srinagar Cell)
Highlights
Economic Environment
1.
Indian economy, one of the key drivers of
global growth, had a relatively slower GDP growth at
6.5 per cent in 2011-12 which can be attributed to the
slowdown in the world economy, as well as to
domestic factors such as inflation, tight monetary
policy and cutting back on the fiscal stimulus. Lower
growth of 6.5 per cent in the economy was mainly on
account of slippage in the manufacturing sector growth
(3.9 per cent as against 7.2 per cent in 2010-11) as also
agriculture sector (2.8 per cent against 7.0 per cent in
the preceding year). With near double-digit growth, it
was the services sector which held Indias growth
performance together.
2.
Growth of consumption expenditure and gross
fixed capital formation in real terms was 6.0 per cent
and 5.6 per cent, respectively, during 2011-12,
compared to 8.1 per cent and 7.5 per cent, in 201011. Consumption expenditure grew, though at a lesser
rate, mainly due to largely consistent private
consumption.
3.
Headline inflation, after remaining persistently
high over the past two years showed signs of
moderation towards the end of 2011-12. Financial
year 2011-12 started off with a headline inflation of
9.7 per cent, which briefly touched double digits in
September 2011, before coming down to 6.6 per cent
in January 2012. The shift in the nature and causes of
inflation in India was a natural fallout of the structural
changes that the economy had undergone. Both
domestic and global factors determined the
inflationary trend. However, the inflationary pressures
during 2011-12 in India was due to the interplay of a
number of immediate and some underlying long-term
factors such as high price of primary articles driven by
vegetables, eggs and meat brought about by changing
dietary pattern, increasing global commodity prices,
etc.
4.
Agricultural exports increased from `1,13,117
crore during 2010-11 to `1, 41,095 crore during 201112, registering a growth of 24.73 per cent. Increase in
agricultural exports has been mainly due to higher
7.
(1,254.92
lakh
ha.)
as
compared
to
9.
15.
10.
11.
increase
increasingly
Capital
agriculture
formation
in
is
being
agriculture
(AIBP).
16.
table.
17.
8.0,
14.73,
6.67,
10.41
and
13.79
per
cent,
felt.
in
13.
investment
12.
in
tonnes
and
28.3
million
tonnes,
respectively,
GDP.
18.
Its
wide-ranging
impact
on
reducing
of NABARD.
Business Operations
19.
The
total
financial
support
extended
by
of the country.
23.
Production Credit
20.
well-functioning
crore
as
compared
(DTP).
the
SCBs
Development
reached
of
Tribal
maximum
24.
production,
&
Puducherry-
procurement,
`7.69
marketing
crore)
for
activities
as
Weavers
Groups
(HWG)
have
In
Banks.
crore
Co-operative
to
`1,106.47
Central
been
25.
22.
iii
26.
29.
Centrally
received
Finance
overdue
Minister
loans,
announced
capacity
that
building,
GoI
towards
interest
subvention,
technology
States
viz.,
Maharashtra,
UP,
AP,
Tamil
Nadu,
from
Investment Credit
30.
the
Scheme
agency
Money
2011-12,
Integrated
for
Handloom
Development
channelising
the
Margin
During
the
year
Commercial
2011-12,
Banks
have
the
refinance
availed
of
Interest
(@
`4,200/-
per
individual
weaver)
&
announced
in
the
Union
Budget
(19.92%),
(10.03%).
31.
Farm
Mechanisation
(13.84%),
Animal
`3,000 crore.
iv
35.
The
which
`2,000
crore
has
on
31
March
2012,
18,162
Administrative
Approvals
(AA)
from
the
State
crore
`1,493.82
on
of
as
amount
RIDF
rate viz., 6 per cent plus 0.5 per cent (i.e. 6.5 per
under
been
33.
outstanding
loan
total
36.
2011-12,
for
38.
creation
respectively.
34.
RIPF
total
pool
of
projects
of
critical,
low
cost,
last-mile
rural
Governments
is
expected
to
attract
and
make
larger
of
39.
40.
NABARD
also
introduced
scheme
for
aggregation
42.
would
include
growth;
engaging
with
the
Primary
Agricultural
March 2012.
These
As
essential.
41.
are
part
of
the
has
set
new
business
up NABARD
initiatives,
development.
Infrastructure
43.
support
infrastructure
outside
for
funding
of
rural
NABARD
the
Infrastructure
ambit
of
RIDF
Development
borrowing.
The
poses
`422.90 crore.
challenges,
but
they
also
bring
more
Development
Programme
Fund
(WDF),
under
(iii)
Watershed
Prime
Ministers
(IWDP)
in
Bihar,
supported
by
the
Planning
Commission.
45.
opportunities
tribal
communities,
covering
year,
functioned
financial
assistance
of
`290.63
crore
was
as
Business
Facilitators/Business
Promoting Institutions.
31
March
2012
was
`1,208.23
crore,
covering
49.
Alirajpur,
Madhya
Pradesh
supported
50.
Augmenting
Farm
that
have
direct
bearing
on
51.
Fund
include
the
Pilot
project
for
Augmenting
Farm
`44.59 crore.
48.
Region
Transfer
with
Technology
States
Farmers
16
The
in
Eastern
47.
projects
104
Natural
the
on
including
Programme
that
46.
Umbrella
The
package
for
augmenting
farm
production
and
post-harvest
Bihar
Central
(24.83%),
Southern
(18.48%,)
Western
vii
management,
(Bhojpur),
Chattisgarh
value
addition
(Bilaspur),
and
Haryana
2012-13 to 2014-15.
52.
56.
The
new
innovative
projects
during
the
year.
implementation.
53.
Micro Finance
57.
technicians
in
loan-based
and
drivers
approach
to
on
pilot
vocational
basis
training.
800
monitoring mechanisms.
58.
59.
`5,445.32 crore.
Financial Inclusion
55.
60.
for
promotional
activities
and
`4.63
crore
for
66.
67.
company
executed
125
assignments,
including
were
1,64,948 participants.
63.
62.
During
the
year,
1,914
MEDPs
68.
Correspondents
(BCs),
taking
the
cumulative
research
64.
2012,
the
cumulative
(`0.70
crore),
disbursement
seminars
stood
at
`153.86 crore.
projects/studies
69.
undertook
During
2011-12,
five
research
projects
NABARD
during
2011-12
to
CMR,
taking
the
70.
crore
was
sanctioned
to
various
universities,
concerned.
Plant
Biotechnology,
Genetic
Resources
Conservation
Water
Security
of
Animal
and
Climate
extended
to
the
out
under
the
overarching
objective
of
carved
The
71.
organisers
initiatives.
75.
been
in 2009-10.
73.
able
to
make
any
progress
on
CBS
Supervision of Banks
76.
74.
31
March
2012,
cumulative
sanctions
corrective action.
and
77.
unchanged
States
Government of India.
at
were
16.
The
reviewed
problems
in
periodically
attaining
by
the
79.
82.
structure,
against
repositioning
of
completed
83.
Harvard
the
programme,
School, USA.
During
e-learning
81.
the
programmes
were
84.
the
During
Grievances
Redressal
Committee
and
three
Centre
2011-12,
National
Bank
Training
xi
by
Human
the
Top
Resources
financial year.
86.
apprise
and
institutions
2011-12,
client
Agri
Business
Development
Finance
Finance
Ltd,
Hyderabad,
Chennai,
Management,
Management,
strategy
Chandigarh,
for
containing
and
integrated
various
risk
Liability
risk
management
exposures
of
the
for
Shimla,
year,
Jaipur,
nine
NABCONS,
the
and
NABARD
During
Bangalore
Agri
Financial
Services,
Ltd,
Parliamentary
Delhi,
Guwahati,
Bank.
financial
year.
During
the
year,
total
market
90.
the year 2010-11. The profit before tax and profit after
the Bank.
89.
per cent per annum during 2010-11 to 6.96 per cent per
xii
I
Rural Economic Environment
A. Economic Scenario
growth together.
1.2
the
kind
economy
of
and
ruralurban
greater
integration
continuum
is
of
emerging,
Particulars
2009-10
Overall GDP
8.4
2010-11
of
this
is
captured
in
the
The
crux
of
the
matter
is
that,
while
7.0 (QE)
2.8(RE)
(-)7.1
6.8
Industrial Production
10.5
7.8
3.6
9.4
Domestic Savings
(as % of GDP)
33.8
32.3
Capital Formation
(as % of GDP)
36.6
35.1
6.5
4.8
4.6
Imports (% change)
(-)5.0
28.2
29.4
Exports (% change)
(-)3.5
40.5
23.5
Trade Balance
(as % of GDP*)
(-)2.8
(-)2.7
(-) 3.6
External Debt
(as % of GDP*)
18.1
17.8
Some
6.5
Foodgrain Production
areas.
2011-12
8.4
areas.
industry.
The
contributions
of
agriculture,
2007-08
2008-09
2009-10
2010-11(QE)
2011-12 (RE)
5.8
(16.4)
(-)0.1
(15.7)
1.0
(14.7)
7.0
(14.5)
2.8
(13.9)
Industry#
8.7
(28.8)
4.4
(28.1)
8.4
(28.1)
7.2
(27.8)
3.9
(27.0)
10.3
(54.8)
9.4
(56.2)
10.5
(57.2)
9.3
(57.7)
9.4
(59.1)
Services
GDP at factor cost
9.3 (100.0)
6.7 (100.0)
8.4 (100.0)
8.4 (100.0)
6.9 (100.0)
Figures in parentheses indicate percentage shares in GDP QE: Quick Estimates; RE: Revised Estimates
#: Includes mining & quarrying, manufacturing, electricity, gas and water supply and construction
Source: 1. Monthly Economic Report (March 2012), Ministry of Finance, GoI; 2. Economic Survey 2011-12
of
change,
the
there
by
making
it
more
challenging.
growth
of
growth
the
rates
consumption
of
furniture
and
communications,
and
furnishing,
underwent changes.
1.6
1.5
and
like
food,
transport
items
groups
out to 6.0 per cent and 5.6 per cent respectively for
2010-11
cent
private
was
8.1
per
cent
and
7.5
per
final
consumption
expenditure
than
of
c. Inflation
1.8
1.7
inflation
have
been
extensively
analysed
and
Financial
global
year
2011-12
started
with
headline
factors
determined
the
inflationary
trend.
Immediate/
Short term
Medium Term
Long Term/
Structural
Implications
Food
Foodgrains,
9 Spike in global
9 Pricing (MSP)
9 Nutritional security
Inflation
9 Changing
9 Productivity issues
food prices
proteins (milk,
9 Weak monsoon
9 Crop losses
9 Supply shock
Core
Manufacturing, coal
Inflation
consumption pattern
9 Supply chain
Management
other infrastructure
9 Excess demand
9 Production
9 Resource constraint
9 Infrastructural
bottlenecks
short fall
9 Supply shock
9 Stabilising exchange
rates to smoothen
volatility
Energy
Petroleum products,
Prices
9 Global trends
alternative sources of
fuel etc.
energy
9 Growing demand
(Table 1.3).
1.9
d. Trade
it
was
pointing
towards.
Moreover,
1.10
the
check,
relative
prices
across
categories
of
refined sugar).
of
time),milk
powders,
casein
and
B. Monetary Measures
casein
products.
(`000 crore)
Year
Total
Exports
Share of
agri allied
products (%)
Total
Share of food
Imports
& allied
products(%)
2005-06
456.4
10.2
2006-07
571.8
10.3
840.5
3.5
2007-08
655.9
9.9
1012.3
3.0
660.4
small.
contribute
3.3
about
51
per
cent
of
the
value
of
2008-09
840.8
9.0
1374.4
2.1
2009-10
845.5
10.0
1363.7
3.7
2010-11
1142.6
9.9
1683.5
2.9
2011-12
1425.2
9.9
1677.4
3.1
1.13
home
changes
that
threats
new
to
small
c. Rainfall situation
1.14
rainfall, which was 1.0 per cent more than the Long
hectares in 2005-06.
1.12
serious
offer
occurred
pose
changes
and
these
overseas-
agriculture.
and
opportunities
excess rainfall over the LPA by 10.0 per cent and 7.0
d. Crop production
South-West Monsoon*
1.16
2009
2010
2011
(-)23
13
31
33
Deficient/Scanty/No Rainfall
23
58.6
75.4
86.4
A. Cumulative rainfall
(% variation from normal)
B.
C.
Reservoir status
(% of FRL$@)
of
the
country.
Normal
monsoon
in
the
1.17
Maharashtra,
Rajasthan
and
Gujarat;
bajra
in
South-West
33
the
monsoon
remaining
26
in
2011.
recorded
Out
of
normal
the
rainfall
(Table 1.5).
1.15
Table 1.6: Compound Growth Rates of Area, Production, and Yield of Principal Crops
during 1980-1990, 1990-2000 and 2000-2012
(Base: TE 1981-82=100)
1980-81 to 1989-90
Area
Production
1990-91 to 1999-2000
Yield
Area
Production
2000-01 to 2011-12*
Yield
Area
Production
Yield
Rice
0.41
3.62
3.19
0.68
2.02
1.34
0.04
1.72
1.68
Wheat
0.46
3.57
3.10
1.72
3.57
1.83
1.22
2.37
1.14
4.39
Coarse Cereals
(-)1.34
0.40
1.62
(-)2.12
(-)0.02
1.82
(-)0.75
3.01
Total Pulses
(-)0.09
1.52
1.61
(-)0.60
0.59
0.93
1.70
3.47
1.91
Sugarcane
1.44
2.70
1.24
(-)0.07
2.73
1.05
1.37
1.96
0.58
Total Oilseeds
1.51
5.20
2.43
(-)0.86
1.63
1.15
2.08
4.45
3.39
2.85
2.74
(-)0.07
2.02
1.52
0.43
2.32
2.91
patterns,
it
is
raises
lot
concern
especially
1.19
encouraged.
1.18
i. Seeds
dairy,
meat
and
fish,
which
now
account
for
1.20
food
items.
An
examination
of
food
resilient
to
climate
change.
Seed
Programme
Indian
rural
of
replacement
rate.
Development
and
urban
areas;
whereas,
the
share
Council
of
Central/State
Indian
involving
The
Agricultural
Besides,
Research,
the
Strengthening
Governments,
of
scheme
State
for
Infrastructure
explore
the
ways
in
which
crops
and
varieties
(lakh quintal)
Year
Requirement
Availability
Surplus (+)/
Deficient (-)
2007-2008
180.74
194.31
+13.57
2008-2009
207.28
250.35
+43.07
2009-2010
249.12
279.72
+30.60
2010-2011
290.76
321.36
+30.60
1.21
2011-2012
330.41
353.62
+23.21
(lakh tonnes)
Year
2009-10
2010-11
2011-12
Urea
211.12
218.80
222.88
Di-ammo-iumphosphate
42.46
35.37
39.41
Complex fertilizers
80.38
87.27
90.69
maintenance
only
can
hold
the
deteriorating
150.90
155.80
165.58
65.06
72.74
80.50
canals)
(distribution
at
and
the
retail
farmer
distribution
level).
of
water
Groundwater
33.13
36.32
35.14
249.09
264.86
281.22
127.2
135.76
144.14
pricing
improving
the country.
1.23
and
fertilizers,
the
rest
is
borne
by
of
primarily
situation
in
increasing
groundwater
has
overall
irrigation
iii. Irrigation
context
the
for
the
1.22
power
productivity
and
The
central
government
initiated
the
income
134
completed.
During
2010-11,
an
irrigation
1.26
iv Rain-fed agriculture
1.24
which
different
(Table 1.10).
largely
require
on
perhaps
research
and
completely
solutions
for
irrigated
g. Agricultural Production
of
rainfed
agriculture
and
farmers
1.27
v. Credit
1.25
2007-08
2008-09
2009-10
2010-11
2011-12 @
2010-11 ^
2011-12 ^
Co-op
48258
45966
63497
78007
86185
18.40
22.85
10.48
RRBs
25312
26765
35217
44293
54239
22.48
25.77
22.46
181088
228951
285800
345877
368616
20.13
21.02
6.57
254658
301908 *
384514
509040
20.01
21.79
8.70
CBs
Total
468291 **
#: Compound Annual Growth Rate; ^: Percentage change over the previous year. * Includes ` 226 crore by other agencies
**: includes ` 114 crore by other agencies @: provisional
Source: NABARD
10
Table 1.10: Sub-sector-wise Ground Level Credit Flow for Agriculture & Allied Activities
(` crore)
Sl Sector/Sub-Sector
No.
I.
Crop Loan
(ST-Production Credit)
II.
Term Loans
(MT & LT Investment Credit)
2006-07
2007-08
2008-09
2009-10
2010-11
2010-11*
138455
181393
210461
276656
335550
24.52
21.29
90945
73265
91447
107858
132741
12.11
23.07
i.
Minor Irrigation
8566
2840
3180
5197
4363
(-)7.18
(-)16.05
ii.
Land Development
2285
2553
2887
3669
3615
13.66
(-) 1.47
25.36
10113
8303
8334
10211
12800
7.02
iv. P & H
5266
5910
6045
6407
6610
5.50
3.17
v.
8045
9034
10398
10260
12773
11.09
24.49
Animal Husbandry
vi. Fisheries
vii. Hi-tech agriculture
viii. Others$
Total (I + II)
1424
1248
1281
1854
1931
10.57
4.15
21498
33325
41694
50797
82774
36.59
62.95
33748
10052
17628
19463
7875
(-)20.15
(-)59.54
229400
254658
301908
384514
468291
20.19
21.79
Source: NABARD
$ : Others include storage/market yards,forestry/waste land development, RIDF, bullock and bullock cartsand bio-gas
^: Compound Annual Growth Rate;
*: Percentage change over the previous year.
(Million tonnes)
Year/Crops
2012-13F
2011-12
(% change)
Foodgrain
of which
Rice
Wheat
Coarse Cereals
Pulses
218.1
244.8
252.6
251.8
3.2
89.1
80.8
33.5
14.7
96.0
86.9
43.7
18.2
99.8
91.1
42.0
17.5
100.4
87.3
42.3
17.7
4.0
4.8
(-)3.6
(-)3.7
Non-food crops
24.9
32.5
31.2
32.1
(-)4.3
8.3
12.7
6.9
13.1
8.0
12.8
(-)17.1
2.8
8.2
33.0
342.4
10.6
7.6
35.0
345.7
11.6
7.6
32.2
342.5
11.7
(-)6.6
5.9
1.0
10.2
Major oilseeds
of which
Groundnuts
5.4
Soyabeans
10.0
Rapeseed &
Mustard
6.6
Cotton#
24.0
Sugarcane
292.3
Jute & Mesta*
11.8
1.29
1.30
in
2010.
The
production
of
NR
in
1.32
aims
to
promote
holistic
development
of
the
1.33
Development
recognised
as
of
the
horticulture
avenue
for
has
been
diversification
in
opportunities
and
providing
1.34
export
constituting
about
92.3
per
cent
of
the
total
growth
horticultural
National
Mission,
Horticulture
development
Mission,
National
include
Bamboo
leverage
of
the
Indian
economy.
As
Tea
Coffee
Rubber
Production
Consumption
Exports
2006-07
9.73
7.71
2.18
2.88
0.85
2.49
9.52
10.91
0.57
2007-08
9.87
7.86
1.85
2.62
0.90
2.19
9.31
11.58
0.60
2008-09
9.73
8.02
1.90
2.62
0.94
1.97
9.61
11.64
0.47
2009-10
9.91
7.70
2.13
2.90
0.94
1.95
9.38
12.43
0.25
2010-11*
9.66
NA
1.78
2.99
0.94
3.22
9.08 $
12.78 $
0.29
12
Area Total
Fruits
Vegetables
Production Total
Flowers
Horticulture
Fruits
Vegetables
Flower
Horticulture
2005-06
5.3
7.2
0.1
18.7
55.4
110.1
0.7
181.8
2006-07
5.6
7.5
0.1
19.4
59.6
115.0
38.0
191.8
2007-08
2008-09
5.8
6.1
7.8
7.9
0.2
0.2
20.2
20.7
65.6
68.4
129.3
129.1
44.5
47.9
211.2
214.7
2009-10*
6.3
7.9
0.2
20.9
71.5
133.7
66.7
223.1
1.37
impact
an
important
component
of
poverty
alleviation
specifically
on
employment
and
income
programmes.
During
2010-11,
the
livestock
sector
during 2009-10.
1.38
amended
Committee
ii. Fisheries
1.36
Seventeen
their
States/Union
Agricultural
(APMC)
Acts
for
Territories
Produce
have
Marketing
agricultural
market
in
information.
13
Agricultural
commodities
valued
at
need
1.39
for
investment.
substantial
increase
in
investment
in
1.41
k. Capital Formation
1.40
l. Composition of investment
1.42
per cent during the early 1980s, implying that the non-
about
14
20
per
cent
of
the
total
investment
in
1.44
the
Budget
2008-09
to
address
the
Co-operative
Regional
Commercial
Banks
Rural Banks
Banks
Union
Year
Scheme,
of
constituting
which
83.5
small
per
and
cent,
marginal
were
the
farmers,
major
(million)
Total
2006-07
2.29
1.41
4.81
8.51
2007-08
2.09
1.77
4.61
8.47
2008-09
1.34
1.42
5.83
8.59
2009-10
1.75
1.95
5.31
9.01
2010-11
2.81
1.77
5.58
10.16
2011-12*
2.96
1.99
5.12
10.07
Cumulative# 43.66
17.19
53.06
113.91
p. Agricultural Insurance
1.46
`2,200 crore.
1.48
Though
with
economic
liberalization
and
infrastructure.
is
policy
agricultural
1.47
Only
upfront
premium
subsidy
of
Minimum
implemented
Support
commodities.
on
the
For
request
Prices
(MSP)
for
procurement
of
of
State
/UT
on its implementation.
1.49
MSP
for
common
paddy,
wheat,
arhar,
rice
(kharif
states
and
wheat
as
on
March
1,
2012
1.52
Act,
with
r. Policy focus on post production stage towards a broad based food grains
policy
costs for Indian Cold Storage Units are over $60 per
Model
s. Storage Infrastructure
2010-11.
procurement,
new
production,
the
grains
adopted
1.50
have
and
desired
1.51
direction.
conditions
and
An
improvement
encouragement
to
in
marketing
private
sector
17
positive announcements.
1.54
t o `5,75,000
crore
of
performance
subvention
chapters.
of
in
3.0
2012-13.
per
Continuation
cent
for
prompt
18
of
NABARD,
outlined
in
the
later
II
Business Operations
The business operations of NABARD comprise
Institutions,
Co-operative
Institutions,
Corporates,
2.2
RRBs,
SCB
&
Co-operative
Bank
(CCB)
and
financial
support
extended
by
Non-Banking
(Chart 2.1).
total
The
Primary
Agricultural Credit Societies (PACS) by way of a shortterm multi-purpose credit product, (iv) financing for
rural infrastructure projects by way of the Rural
Infrastructure Development Fund (RIDF) and a new
line
of
credit
called
the
NABARD
Infrastructure
of
warehousing
infrastructure
and
India,
State
Governments,
Banks/
Financial
Production Credit
A. Short-Term Refinance
2.3
Co-operative
Banks
and
RRBs
for
Seasonal
production,
assistance
under
Operations
Short-Term
((ST-SAO)
to
(` crore)
Year
refinance
Agricultural
Credit Limits
sanctioned
Maximum
outstanding
2007-08
18291
16352 (89.40)
2008-09
19627
17212 (87.70)
2009-10
25661
24715 (96.31)
2.4
2010-11
34375
34196 (99.48)
2011-12
49013
48981 (99.94)
19
2.6
which
were
complying
with
criterion:
latest
inspection
report
of
NABARD
2.7
Region/States
Net NPAs
(%)
Eligible quantum
of refinance (%)
NE/Hilly Region/
A & NIslands
Upto 15
Above 15
70
65
Eastern Region
Upto 10
Above 10
50
45
Rest of India
Upto 10
Above 10
45
40
Nadu),
western
region
(Gujarat
and
credit
(Bihar,
sanctioned
limits
to
sanctioned.
Assam,
Eastern
region
and
Meghalaya,
Nagaland
This
State
was revised from 8.5 per cent to 9.75 per cent w.e.f.
inputs
Co-operatives
ST-
short-term
Labour
Contract
refinance
and
includes
Handloom
Development
Corporations
for
2.11
different
ST
purposes
continued.
consolidated
2.10
states,
Odisha,
Kerala,
West
Bengal,
UP
and
31 March 2011.
Jharkhand
(500),
Madhya
Pradesh
(266),
Uttar
2.14
Islands,
Himachal
Pradesh
and
2.12
NABARD
provides
Short
Term
2.15
Government of India.
Development
`27.91
2.13
crore
of
for
Tribal
Population
National
Pulses
(DTP)
and
Development
Karnataka
(`1,175
crore)
and
Kerala
(`1,084.40
Eligible quantum of
refinance (%)
Upto 10
Above 10
55
50
Eastern Region
Upto 5
Above 5
35
30
Rest of India
Upto 5
Above 5
30
25
Assam,
Manipur,
Meghalaya,
2.16
Mizoram,
Subsidy
B. Other Initiatives
disbursal
Finance
Minister
announced
that
provided
to
weaver/eligible
Management
2.19
be
guarantee
will
credit
Institutions
Interest Subsidy @3
and
Margin
subvention
Banks/Financial
Centrally
and
Package.
(CAS)
the
the
per cent per annum for 3 years from the date of first
2.17
System
from
under
Accounting
components
Credit
repay
crop
loans
promptly
within
one
year
of
4.5
per
cent
interest
rate.
Aggregate
interest
the
Integrated
Handloom
Development
2010-11,
Scheme
respectively,
was
provided
by
GoI
to
Purpose
SAO
MT (Conversion) loan
Interest Rate
i) SCB/RRB
4.5
4.5
SCB
10.0
SCB
10.0
10.0
RRB
10.0
10.0
SCB/RRB
Agency
7.25 (minimum)
NABARD also
2.21
and
Commercial
Banks
during
Investment Credit
2.22
Commercial
Banks,
Regional
Rural
Banks
and
current
housing.
year
SCBs,
SCARDBs
and
RRBs
were
2.23
24
1934,
were
not
considered
eligible
for
availing
2.27
2.28
were
Uttarakhand),
Lakshadweep
Pradesh
eligible
for
100
per
cent
refinance
at
and
E. Refinance Support
C. Security Norms
2.29
2.26
During
the
year
25
2011-12
the
refinance
2009-10
2010-11
2011-12
Target
Disb
% Share
Target
Disb
% Share
Target
Disb
% Share
SCARDBs
2290.00
2221.30
18.50
2160.00
2351.85
17.44
2445.00
2444.93
15.85
SCBs
1040.50
1251.95
10.43
1340.00
1356.62
10.06
1205.00
1192.29
7.73
CBs
6085.50
6057.19
50.44
7052.00
7348.49
54.49
8030.00
8433.75
54.69
RRBs
1879.00
2457.46
20.46
2288.00
2287.84
16.96
3035.00
3086.19
20.01
16.14
0.13
85.00
84.87
0.63
60.00
54.08
0.35
5.00
5.05
0.04
55.00
56.20
0.42
220.00
210.46
1.37
11300.00
12009.08
100.00
12980.00
13485.87
100.00
14995.00
15421.70
100.00
PUCBs
ADFCs/NABFINS
Total
a. Agency-wise Disbursements of
Refinance
2.30
central
SCBs
have
availed
of
refinance
2.32
`3,086.19
crore
(Table
2.5
and
Animal
Chart 2.2).
Husbandry
(10.18%)
and
Plantation
&
F. Co-financing
2.31
2.33
The
western
%),
c. Sector-wise disbursements
(11.60
eastern
SCARDBs
(12.10%),
spatial
distribution
of
refinance
`155.55
region
co-financing.
(48.30%),
followed
by
northern
(15.7%),
26
crore
for
35
ongoing
projects
under
2009-10
Target
Disb.
2790.00
2419.87
210.00
139.85
Eastern
1185.00
Central
Western
Southern
Northern
North Eastern
Total
2010-11
% Share *
Target
Disb.
20.20
2835.00
2810.70
1.20
266.00
265.82
891.07
7.40
1392.00
1680.00
935.00
4500.00
1478.60
1111.79
5967.89
12.30
9.30
49.70
11300.00
12009.08
100.00
2011-12
% Share *
Target
Disb.
% Share *
20.80
2928.00
2426.37
2.00
258.00
232.86
1.50
1405.35
10.40
1415.00
1783.53
11.60
1718.00
965.00
5804.00
1928.63
1253.64
5821.73
14.30
9.30
43.20
1927.00
1598.00
6869.00
1867.05
1671.16
7440.73
12.10
10.80
48.30
12980.00
13485.87
100.00
14995.00
15421.70
100.00
15.70
(ii)
Marketing
Strengthening
Infrastructure,
of
Agriculture
Grading
and
Standardisation
(iii)
(iv)
(v)
follows:
(i)
Development/
Decentralised Applications
Construction of Rural Godowns
(vi)
27
2009-10
Minor Irrigation
2010-11
Target
Disb
Share %
Target
660.00
496.73
4.1
909.00
2011-12
Disb Share %
920.61
Target
6.8
Disb % Share
1071.00
660.51
4.28
Land Development
976.00
303.67
2.5
1168.00
295.69
2.1
1243.00
504.07
3.27
Farm Mechanisation
2194.00
1714.66
14.3
1817.00
1762.98
13.0
1714.00
2134.51
13.84
362.00
377.40
3.1
579.00
698.39
5.2
750.00
1547.50
10.03
PF/SGP/AH-Oth
230.00
349.79
2.9
266.00
402.37
3.0
536.00
680.20
4.41
Fisheries
132.00
54.62
0.5
149.00
47.45
0.4
160.00
91.88
0.60
Dairy Development
570.00
725.35
6.0
649.00
918.11
6.8
975.00
889.88
5.77
38.00
6.46
0.1
52.00
9.57
0.1
21.00
15.97
0.1
1.02
Forestry
Storage Godown &
Market Yard
143.00
187.22
1.6
172.00
170.79
1.3
429.00
157.47
SGSY
274.00
151.50
1.3
322.00
228.84
1.7
211.98
1.37
2852.00
3465.99
28.9
3115.00
3446.40
25.6
4298.00
3574.21
23.18
91.00
2.30
130.00
12.63
0.1
4.26
0.03
803.00
3173.56
26.4
795.00
2545.36
18.9
3642.00
3072.59
19.92
1975.00
999.82
8.3
2857.00
2026.68
15.0
156.00
1876.67
12.17
11300.00 12009.08
100.0
12980.00 13485.87
100.0
14995.00 15421.70
100.00
SHG
Others
Total
(vii)
a.
Sector, viz:
Establishment/
Modernisation
of
Rural
Slaughter Houses
b.
and Rabbits
crore
d.
e.
f.
Pig Development
g.
h.
c.
2.36
of
Marketing
in
respect
of
2,950
units
This
scheme
aims
at
establishing
and
Directorate
released
was
and
Inspection
(DMI),
28
agricultural
produce
markets
in
the
private
state,
and
with
NABARD
channelising
the
admissible
of
Bihar
serves
as
the
NABARD.
based MIS.
Cumulatively
nodal
`83.32
department
crore
has
for
been
2.39
Jawaharlal
2.37
Solar
Mission
(JNNSM)
was
2.40
Nehru
29
As on 31 March 2012,
2.45
interest
free
loans
under
these
a. Establishment/ Modernisation of
Rural Slaughter Houses
2.43
Andhra
Pradesh
and
Meghalaya,
interest
for
2.46
to
assist
farmers,
NGOs,
partnership
firms
and
2.44
2.47
added
items.
environmental
It
also
pollution
aims
and
to
reduce/
bird-hit
check
hazards
to
released.
During the
2.50
scheme
f. Pig Development
was
launched
for
encouraging
poultry
meat
in
2.48
consumers
urban
poultry
to
areas
products,
processing
units,
in
hygienic
through
large
conditions
poultry
dressing
processing
feather
processing
units,
and
and
Emu
units,
etc.
H. Evaluation Studies
2.51
districts
provided for
of
Karnataka
pointed
out
that
rainfall
Seventy
appointed
relatives,
one
by
Business
various
Correspondents
banks
in
(BCs)
sample
district
Inclusion
population
tapping
and
towards
Tripartite
2.52
the
potential
changing
irrigation
cropping
facilities
pattern.
in
Banaskanthta
and
of
cumin.
Cumin
cultivation
demonstration
facilities,
poor
than
the
(1,250
seed
productivity
kg/ha.)
Lack
replacement
of
frontline
of
irrigation
rate
and
in
the
state,
non
for
i.e.,
Aurangabad
(Maharashtra),
Ujjain
pertaining
High export
to
50
branches
and
around
4,500
identified
Pradesh
Himachal
was
2000)
of
over
district
Surendranagar
Una
conducted
in
widening
1,670
32
and
also
low
and
declining
share
of
farming needs.
dimension.
information
and
to graduate.
about
disbursement,
outstanding
formulation.
2.55
Study
on
Graduation
of
SHGs
was
2.56
the
the process
SHG
loans
for
consumption
needs
and
equally
During
2011-12,
19
Investment
Specific
suitable action.
created
Fund
NABARD
2.57
(RIPF)
The
government
Rural
and
has
Infrastructure
also
designed
set-up
Promotion
the
33
farms,
infrastructure;
of rural infrastructure.
2.58
development,
cold
fishing
storages;
harbour/jetties,
grading/certifying
A. Allocations
2.59
forest
2.62
crore
has
been
exclusively
dedicated
for
creation
of
2.63
B. Sectors/Activities
2.60
These
include
irrigation
projects,
soil
previous Bank Rate plus 0.5 percent, i.e. 6.5 per cent
D. Review of Performance
2.67
As
on
31
March
2012,
18,162
projects
2.65
amount
of
`1,493.82
crore
was
sanctioned
for
(Table 2.8).
2.68
subsequent
drawls
are
made
on
Sector
Irrigation
Rural Bridge
Rural Roads
Social Sector
Power
Ag. related
Warehousing
Total
No. of
Projects
Share in
Amt
Total No. Sanctioned
` crore)
(%)
(`
Share in
Total
Amount (%)
2717
860
6294
3311
5
3857
1118
14.7
4.7
34.1
17.9
0.0
22.5
6.1
5686.32
2663.97
5011.57
3707.11
127.15
2011.18
1493.82
27.5
12.9
24.2
17.9
0.6
9.7
7.2
18162
100.0
20701.12
100.0
expenditure
incurred
there
against.
Cumulatively,
2.71
with
2.69
(ii) Deposits/Repayments
bridges,
protection,
watershed
command
area
management,
development,
flood
primary
per
2.72
The
under
RIDF
cent,
followed
cumulative
stood
by
deposits
at
Goa
and
(106%),
repayments
crore
`1,11,025.94
and
132
loan
outstanding,
as
on
31
March
2012,
was
`70,860.31 crore.
crore (inclusive of
`759 crore sanctioned and
released as refinance under Warehousing facilities to
Banks).
Monitoring
of
RIDF
projects
under
36
RIDF XVII
No.
Cumulative (I-XVII)
Amount
No.
Amount
Ach.(%)
2717
5686.32
237137
42586.38
29.89
2691
2625.73
234463
21517.80
15.10
Irrigation sector
Minor
Medium
15
725.93
322
5808.54
4.08
Major
10
2105.03
313
13227.73
9.28
Micro Irrigation
II
229.63
2039
2032.31
1.43
7154
7675.54
101932
61522.56
43.18
1
2
Roads
6294
5011.57
86372
44766.42
31.42
Bridges
860
2663.97
15560
16756.14
11.76
3311
3707.11
88698
20923.25
14.69
303
2781.15
10887
12625.19
8.86
0.00
19986
1393.10
0.98
Drinking Water
Primary/Middle Schools
Public Health
126
247.70
12904
1680.01
1.18
S.Sch/Colleges/Ru.Service Centre
338
273.00
17474
3578.83
2.51
20
204.00
3258
324.44
0.23
Anganwadi Centres
2524
201.26
24189
1321.68
0.93
IV
Power Sector
127.15
766
2273.68
1.60
System Improvement
0.00
687
1195.44
0.84
Mini Hydel
127.15
79
1078.24
0.76
Other Agriculture
4975
3505.00
33694
15164.80
10.66
Soil conservation
0.00
5633
1520.89
1.07
Flood protection
304
585.04
2382
3968.78
2.79
Watershed Development
31
24.89
2420
1924.91
1.35
Drainage
178
460.94
683
1405.59
0.99
Forest Development
77
58.09
2633
604.44
0.42
Rural Market/Yard/Godown
23
13.64
1623
720.00
0.51
Fishing harbour/jetties
14
68.78
165
412.25
0.29
Rain W.Hvstg.
105
120.86
4034
468.70
0.33
CADA
0.00
29
438.94
0.31
10
Inland Waterways
0.00
10.00
0.01
11
Food Park
0.00
41.37
0.03
12
4.79
1544
197.68
0.14
13
Cold Storage
0.00
17.19
0.01
14
Animal Husbandry
664
302.62
7071
1033.51
0.73
15
Rubber Plantation
6.94
22
27.07
0.02
16
Meat Process
0.00
12
49.72
0.03
17
Riverine Fisheries
0.00
297
73.13
0.05
18
Rural Library
19
0.00
41
2.55
0.00
70
65.43
98
126.05
0.09
20
Vill.Know.Centre/E-Vikas Kendras
21
2382
299.16
3621
428.04
0.30
0.00
116.40
22
0.08
Comprehensive Infrastructure
0.00
249
83.77
0.06
23
Warehousing/Rural Godowns
1118
1493.82
1118
1493.82
1.05
18162
20701.12
462229
142470.65
100.00
Grand Total
37
Cumulative Amount (`
` in crore)
Allocation
Sanctioned
Phased
Disbursed
% Utilised
50000
50233
50233
44203
88
XII
10000
10377
10377
8368
81
XIII
12000
12596
12594
9982
79
XIV
14000
14723
14674
10738
73
XV
14000
15638
9390
9459
101
XVI
16000
18202
11000
7747
70
XVII
1600
19207
2271
3809
168
1118 *
115 *
Closed Tranches (I to XI )
Ongoing Tranches
Warehousing
02000
Sub-total
84000
92996
61276
51221
84
Bharat Nirman
18500
18500
18500
18500
100
152500
161729
130009
113924
88
G. Total
2253 *
970 *
*inclusive of `759 crore sanctioned and released as Refinance under Warehousing Facilities to Banks
the
implementation
field
smooth
project
agencies.
2.74
with
NABARD
visits.
the
Finance
With
undertakes
implementing
Department
improving
view
the
pace
monitoring
to
ensuring
departments
of
and
State
with
also
the
Governments
for
quality
of
as
the
implementing
RIDF.
Various
agencies
and
constraints
user
in
groups/
G. Economic/Social Benefits of
RIDF Projects
project
execution.
2.76
of
becomes
operative,
(iv)
long
gestation
periods,
Sanctions
Phasing
(` Crore)
Drawn Utilisation
(%)
1
2
3
4
5
Andhra Pradesh
Karnataka
Kerala
Tamil Nadu
Puducherry
South Zone
14358
7173
4572
9829
380
36312
12424
5885
2894
7992
180
29375
10014
4980
2751
7353
133
25231
81
85
95
92
74
86
6
7
8
Goa
Gujarat
Maharashtra
West Zone
449
10902
9495
20846
356
8852
6673
15881
376
7947
6336
14659
106
90
95
92
9
10
11
12
13
14
15
Haryana
3528
Himachal.Pradesh
3537
Jammu & Kashmir 4108
Punjab
5129
Rajasthan
9729
Uttar Pradesh
11999
Uttarakhand
2929
North Zone
40958
2462
2671
3381
4278
7481
10253
1867
32392
2284
2312
2982
3810
6227
8930
1740
28285
93
87
88
89
83
87
93
87
16
17
Chhatisgarh
Madhya.Pradesh
Central Zone
1939
10248
12187
1562
8284
9846
1418
6354
7771
91
77
79
18
19
20
21
Bihar
Jharkhand
Odisha
West Bengal
East Zone
6011
3905
7059
8526
25501
4375
2725
5130
6179
18409
3064
2374
4143
5247
14828
70
87
81
85
81
758
2335
329
601
387
709
1070
476
711
1743
109
399
196
532
823
332
616
1477
105
400
258
338
471
225
87
85
96
100
132
64
57
68
6666
4847
3890
80
22
23
24
25
26
27
28
29
Arunachal Pradesh
Assam
Manipur
Meghalaya
Mizoram
Nagaland
Tripura
Sikkim
North-East &
Sikkim
RIDF Total
142471
110750
94665
85
18500
18500
18500
100
759
759
759
100
161730
130009
113924
88
Bharat Nirman
Warehousing Ref.
Grand Total
poverty.
2.77
be
bridged
by
imports
barring
financing
incomplete
agriculture
Additional
Benefits
204.07
354344
796899
325270
24580
8543283
30097.76
B.
41098.51
By
certain
Power Sector
A.
212.83
B.
22315
B.
24228.44
615.83
100.06
1250.60
Potential
Value Prodn.
` crore)
(`
Irri (ha)
Bridges (m)
Roads (km)
2383278
48321
31871
2670
2600
1010
317317
55127
836
Recurring
Employment
(Nos.)
Non-recurring Emp.
(Lakh Mandays)
Irri.
RR& RB
Others
1953055
5383
5545
3378
233
64
348
102400
84
882
220
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
617591
28227
4453
702
231766
341
1306
615
Chhattisgarh
352200
31603
4567
475
69622
849
496
42
Goa
68601
1410
258
45
5288
97
158
Gujarat
1257981
4346
20124
1210
1321098
1574
990
1091
Haryana
957912
2969
2512
1835
167267
735
413
196
Himachal Pradesh
109716
19164
8376
398
415157
660
640
321
133787
15000
11082
190
97849
237
1359
197
11 Jharkhand
73571
68043
8334
210
90742
303
1167
544
12 Karnataka
472951
41886
36948
1121
123784
1708
2868
946
13 Kerala
244362
30659
4244
501
79863
367
779
463
1332453
43274
14905
3610
1063279
3392
1703
493
655034
54143
24506
1435
270236
3127
2354
193
14 Madhya Pradesh
15 Maharashtra
16 Manipur
19550
29
8808
20
147
147782
7427
1986
15
3706
234
403
73
2990
283
693
1976
12
65
23
19 Nagaland
179826
10683
2153
16
4107
305
498
279
20 Odisha
838038
74009
5744
1777
441162
1897
2580
277
17 Meghalaya
18 Mizoram
21 Puducherry
375349
327
275
1110
352
55
121
22 Punjab
511556
9593
10017
756
179092
714
965
1268
23 Rajasthan
421644
2905
51071
738
98671
1268
2760
2560
24 Sikkim
134947
5353
3798
343
609
36
312
371
25 Tamil Nadu
360034
58809
35425
319
281594
594
3930
1642
26 Tripura
88725
30331
1436
23
380
97
516
929
27 Uttar Pradesh
4939634
49458
26610
4175
730755
2564
2198
1608
28 Uttarakhand
29 West Bengal
243075
3166925
16188
84762
9904
31206
175
1461
27500
772409
305
2844
1196
4727
229
5930
20406829
796899
354344
24580
8543283
30098
41099
24228
Total
H. RIDF Implementation:
Deficiencies
2.78
2.79
RIDF.
State-wise
and
targets
for
RIDF
sanctions
infrastructure
organisational
model.
borrowing
the
limit
under
article
293(3)
of
cannot
be
structure.
NABARD
is
bridged
by
NABARD
in
the
the
is
State
looking
process
of
at
forming
Administrative
handling
Governments
techno-financial
each
(AA)
project
from
has
been
State
made
Approvals
for
contributes
were
directly
steps
RIDF
new
2.81
many
2011-12,
adequately
During
creation
of
with
the
Centre
for
Development
of
Telematics
funded by RIPF.
I. Warehousing
2.84
the
projects by
allocation
of
process
each
year.
The
State
Governments
are
Puducherry.
2.85
addition,
NABARD
also
introduced
I. Looking Ahead
2.82
In
by
government,
for
creation
of
workshops,
national/
international
(NIDA)
to
provide
credit
support
for
2.88
Organisations,
NABARD
set
up
the
Producers
resources
42
from
sources
other
than
the
SCB.
Model of CBS
Centres
2.89
payment basis.
2.91
Banks
2.90
banking
Information
CBS project.
Technology
segments,
and
the
cutting
ever
edge
advancing
2.92
engaged
TCS
and
WIPRO
for
43
I.
lakh
storage
capacity
to
Karnataka
VI.
State
Karnataka.
II.
VII.
`422.90 crore.
III.
Two
generation
solar
capacity
power
of
plants
MW
to
project
with
Gujarat
State
2.93
With
the
base
of
agriculture
becoming
unique. One of the sites is the area used for filling fly
IV.
Pradesh
context.
and
augmentation/modification
of
other
Manubollu-Sullurpet
2.94
and
`42.75 crore.
development.
V.
44
III
Development and Promotional Initiatives
NABARDs development initiatives on-going and new;
Credit Planning
A. Potential Linked Credit Plans
3.2
organised
by
NABARD
in
all
States/UTs,
where
departments,
financial
institutions
and
other
stakeholders.
3.4
NABARD
has
405
District
Development
Farm Sector
A. Watershed Development
Programme
3.5
Planning Commission.
3.6
manner.
It
anchors
four
Programme
(IGWDP)
Participatory
Bihar,
supported
Watershed
by
the
Development
in
watershed
The
(IWDP)
programme
is
financed
by
the
Watershed
in
Participatory
Watershed
Development
45
3.7
watershed
sum of
3.8
The
Prime
Ministers
Relief
package
3.10
is
development
programme
for
Bihar
3.9
grant-cum-loan
districts.
based
in
non-distressed
loans worth
in Karnataka
Kakatiya
(40%),
Lakshmipur
(15%)
and
Shivarvenkatpur (13%).
46
3.11
an
and
integrated
villages
spread
package
across
of
25
promotional
States
were
identified
carpentry,
achieved by
villages.
promoting
Implementation
of
68
VDPs
were
SHGs,
shops
was
JLGs,
and
These
nurturing
Farmers
Clubs
led
to
VDCs.
generation
of
part-time
and
Milk
Collection
establishment
Kirana
Outcome
business,
and
interventions
3.12
petty
of
rural
Centres,
Setting
up
marketing
outlets
and
Village
Development
considerably.
Comprehensive
soil
testing
and
crop-specific
use
in
of
fertilizers,
cropping
crop
pattern,
Agriculture
Line
specialists,
Departments,
scientists
diversification,
improved
of
KVKs
subject
and
matter
Community-based
seed
also RFAs.
replacement, use of low cost compost/ vermicompost. This in turn resulted in reduction in cost
cent.
47
3.13
solar
lighting,
drainage
channels,
by
tribal
NABARD
development
through
has
project
the
Tribal
wadi (a small
units.
integrated
The
implemented
these villages.
in the
plot, while 0.75 acre is used for the wadi plantation. The
to a great extent.
48
3.14
(FIPF)
provides
resource
support
to
innovative
a RRB
dealer (0.10%).
are registered
provider.
transactions
The
are
performed
through
2. Technology
enabled
card
would
ensure
greater
3. Returns per m-KCC (`679) are more than the costs per
project.
The farmers are also given the benefit of using the mobile
Farmer:
interface
for
entering
into
cash-less
transactions
with
place orders over their mobiles with the input dealers and
undertaken by the
Input dealers :
that :
Instant payment
Increase in business
Less credit risk
49
Odisha,
Jharkhand,
Madhya
Pradesh
and
Rajasthan.
for
betelvine
plantations,
Bio-efficacy
studies
on
Nemato
Gro
in
through
district, Odisha.
technology
Management
Nadu.
Water
Chhattisgarh.
Sustainable
Dissemination
of
Veterinary
herbal
healing
Production,
procurement,
distribution
and
Standardisation
Farming
of
Fisheries
Technology
based
in
Integrated
Pittoragarh
Himachal Pradesh.
and
Champawat, Uttarakhand.
Popularising T & D
Jharkhand.
Farmers
Training/Awareness
Programmes
on
3.16
in
Maharashtra,
Madhya
Pradesh,
Gujarat,
Cumulatively,
sanctioned as on
164
financial
assistance
projects
have
of
facilitating
been
crore
have
Technology
Transfer
Fund
farmers
for
adoption
of
appropriate
been
Farmers
The
crop
districts, Gujarat.
Special
Relief
package
for
arecanut/
vanilla
Seed
purification,
multiplication
and
area
Sustainable
Sugarcane
50
Initiative
(SSI)
in
10
Development
producer
of
institutions
companies
of
for
farmer
promoting
produces
in
Andhra Pradesh.
credit
and
forging
better
bank-borrower
flow
functioning
as
Business
Facilitators/Business
Jharkhand.
and
Rural
Developing
Training
Uttarakhand.
Farmers
of Kerala.
Five
3.18
Agricultural
Entrepreneurs
NABARD
initiated
pilot
project
for
in
of
3.17
Pradesh,
Kerala,
farmers
promoted
maximum
number
of
clubs
Bihar,
Haryana,
Maharashtra,
Jharkhand,
Meghalaya,
Karnataka,
Odisha,
Punjab,
(15,870),
51
concept
of
thereby
rural development.
Skill
together
Agriculture
for
with
the
State
self-sufficiency
Department
in
seeds,
The
Scheme
for
Capacity
Building
Development
(DDSD)
through
Livelihood
for
project
holder
while
BAIF
and
Dr.
Reddy
seeding,
districts,
sustainable
management,
agriculture
pisciculture,
practices,
vegetable
cattle
respectively,
taking
the
cumulative
seed
multiplication, etc.
H. Government Projects
3.23
3.20
of India (GoI).
3.22
(Table 3.1).
CDP,
project
supervision
and
monitoring.
3.24
13 in Bihar.
The
Special
Project
on
Livelihood
KfW-NABARD-V-Adivasi
Development
The
Based
a target of 10,000
52
1. KfW-NABARD
i. V-Adivasi Development
Programme in Gujarat*
ii.
IX-Adivasi Development
Programme in Maharashtra
Effective
from
Closing
date
23 Dec 1994
31 Dec 2011
External
assistance
(million)
13.29 Grant)
(+ 1.5 Suppl.
Disbursements
made by NABARD
Amount received
by NABARD
During
2011-12
Cumm.
Upto
31.03.12
During
2011-12
Cumm.
upto
31.03.12
584.92
8980.15
523.63
8994.57
2 June 2000
31 Dec 2011
14.32
352.00
7928.87
441.18
8037.03
15 July 2002
31 Dec 2013
8.69
1373.25
3964.27
929.48
3363.77
27 Aug 2005
31 Dec 2012
19.94
2611.64
11295.50
2024.05
10519.61
Indo-German Watershed
Development Programme in
Gujarat
17 Feb 2006
31 Dec 2015
9.20
645.00
1461.87
573.79
1363.70
7 Dec 2006
31 Dec 2016
11.00
620.53
1493.23
546.84
1188.96
28 March 2006
31 Dec 2014
7.00
28 June 2002
31 Dec 2013
4.09
v.
1243.01
294.83
1255.57
FC Loan
16 Sept 2009
30 Dec 2014
FC Loan :
15.00
6275.51
12473.45
4099.26
9510.50
ii.
FC Grant
16 Sept 2009
30 Dec 2014
FC Grant :
1.4
16.09
@@
32.21
(-)64.01
@
33.11
16 Sept 2009
31 Dec 2014
FC Grant
for Accompanying
Measures :
3.00
311.57
669.42
323.90
697.31
62.51
116.57
51.40
143.93
296.89
463.34
125.20
303.78
GIZ UPNRM TC
26 Jul 2010
31 Dec 2014
ii
GIZ-RFIP
1 Jan 2009
31 Dec 2013
8.5
12.5
(of which 0.1 is
FC component)
FC - Financial Cooperation
SEWA - Self Employed Womens Association
@: An amount of `66.91 lakh was received from KfW during 2011-12, an amount of `130.92 lakh pertaining to service charge of FC
loan claimed inadvertently from KfW during 2009-10, 2010-11 and 2011-12 and booked under FC grant, was adjusted to
Accompanying Measures (as advised by KfW). Hence the balance is shown as negative. The cumulative receipt of FC grant also
reflects this transaction.
@@: Includes only the disbursement made under FC grant and the service charges thereon. The service charges for FC loans included
during the previous years have been removed from the cumulative FC disbursement figures.
53
crore)
under
Karimnagar,
IGWDP
Medak
in
and
Andhra
Pradesh
Warangal).
Thirty
for
eight
projects
Development
of
Programme
in
Maharashtra
was
have
euro
been
completed
million
(about
and
two
crore)
`11
were
towards
issues of projects of
b. IGWDP-Maharashtra, Andhra
Pradesh, Gujarat and Rajasthan
3.27
3.25
(IGWDP),
introduced
in
German
programme
Governments,
implemented
by
is
an
Village
37,884
integrated
implemented
under
this
being
projects
are
watershed
ha.
Watershed
114
envisages
(2005-12),
Gujarat
Maharashtra
in
the year,
IGWDP
During
Programme
The
IGWDP-AP.
been
3.28
Rajasthan
`112.96 crore.
(Banswara,
Chittorgarh,
Dungarpur,
3.26
54
3.30
credit
in
Ahmedabad
and
The
Board
30.90 million
and
Natural
Financial
on
Programme
Umbrella
women
The
of
3.31
An amount of
and
KfW were
phase
of
the
project
The full
began
15.00 million,
in
Amount
Sanctioned
During the year
Amount Disbursed
Cumulative
Cumulative
40
Loan
53.88
Loan
199.92
Loan
62.86
Loan
124.83
104
Grant
3.32
Grant
13.03
Grant
3.17
Grant
7.06
Total
57.28
Total
212.95
Total
66.03
Total
131.89
Implementing agency: NGO, MFI, Producers Companies, Private Limited Companies and Co-operatives16 States covered under UPNRM (Andhra Pradesh,
Bihar, Gujarat, Karnataka, Maharashtra, Odisha, Tamil Nadu, Kerala, West Bengal, Himachal Pradesh, Madhya Pradesh, Uttarakhand, Jharkhand, Uttar Pradesh,
Arunachal Pradesh and Rajasthan) and one UT (A & N Islands)
55
Box 3.4: UPNRM Projects A success story of Kamadhenu project in Chittoor district
To give a fillip to the milk procurement and marketing
established
milk from women dairy farmers at the grass roots level. The
directed
completed for more than 12,800 cases and loan sanctioned for
the
District
administration
to
increase
milk
As on 31 March 2012,
envisages
7.5 per cent per annum (p.a) and covers seven states
in
Bihar,
scheme
the
for
this
Eastern
region.
Region,
The
scheme
viz.,
Assam,
56
K. New Initiatives
package
and
for
productivity
augmenting
by
3.35
farm
addressing
post-harvest
marketing
components
management,
in
holistic
comprise
value
addition
manner.
The
interventions
in
credit,
and
project
agriculture
development
including
interventions
all
comprehensive
in
3.36
Jharkhand
(Belgaum),
been achieved.
(Deoghar),
Karnataka
standard of living of
important factors:
3.37
and productivity
district
57
Fund
(RIF)
with
corpus
of
`140
crore
in
C. Rural Entrepreneurship
Development Programmes and
Skill Development Programmes
Non-Farm
and
micro-Finance
experiments in
sectors
3.40
with
Programmes
includes
3.39
support
RUDSETI
(REDP)
type
and
extended
Skill
Development
Cumulatively, 27,711
to
RUDSETI
institutions/R-SETIs
This
(Rural
(Rural
Self
recurring
expenditure.
During
the
year,
(Box 3.5).
loan at 8.5 per cent p.a. The loan for the training is
58
D. Cluster Development
E. Marketing/Other initiatives
3.41
3.43
NABARD
recognises
the
importance
of
National
Development
Programme
under
the
NABARD
with
implementation.
During
2011-12,
States
like
programmes/
workshops
3.44
were
other
SHGs,
etc.,
from
the
94,479 SCCs
working
micro-entrepreneurs,
the
of
NABARD
implementation
crore.
`2.84
3.42
of
Chhattisgarh,
assistance
grant
Melas/
in
07
developed
participation
their
supports
hassle-free
capital
entrepreneurs.
Development
credit
for
requirements
investment
of
small/
and
micro
programme.
`5,445.32 crore.
Financial Inclusion
3.45
investments
in
meeting
the
cost
of
technology
in
the
keeping
with
the
recommendations
of
interventions
leading
to
financial
inclusion
and
59
A. Policy initiatives
3.46
by Lead Banks
3.49
Model
for
Financial
Inclusion
(ICT)
Uttar
II. Support for CBS to weak RRBs from FITF -
Pradesh,
Jharkhand,
Madhya
Pradesh,
FLCCs.
Model
III. Holding
of Financial
Literacy
medium Doordarshan
Awareness
3.50
incurred
by
RRBs
for
holding
programme
v.
disbursements
amounting
the
3.48
by
to
`139.54 crore.
ii.
telecasted
been
`216.52
already
Kendras.
3.47
has
B. Major Projects
i.
3.52
which
Facilitators
disbursements
were
of
the
order
of
Financial
of
support
RRBs
in
is
being
villages
extended
having
by
2000+
`40.52 crore.
60
from FIF.
3.57
Internationale
conducted
improving
study
on
(GIZ)
Remittance
together
Needs
and
delivery
channels,
especially
through
C. Fund Utilisation
March
Zusammenarbeit
fr
31
Gesellschaft
on
Deutsche
As
and
3.55
NABARD
the
specific
cumulative
remittance
corridors:
Gujarat-Southern
and
Maharashtra.
intra-state
migration
The
study
and
remittance
concluded
that
in
sending
through
the
formal
banking
system
over
long
enhancing
3.56
livelihood
opportunities
for
the
poor,
2008-09
2009-10
2010-11
D
2011-12
D
Cumulative up to
March 2012
D
FIF
1.30
0.36
18.36
7.99
19.00
9.21
75.96
18.90
114.62
36.46
FITF
4.22
0.09
17.08
1.67
101.11
54.01
221.07
128.39
343.48
184.16
Total
5.52
0.45
35.44
9.66
120.11
63.22
297.03
147.29
458.10
220.62
S : Sanctions, D: Disbursements
61
3.58
Head
Office
between
Shri
Nandan
Nilenkani,
also
document
and
disseminate
the
benefits,
Micro Finance
3.59
cost-effective and
in Table 3.4.
3.60
3.61
to
NGOs,
RRBs,
DCCBs
and
Individual
Rural
Particulars
2010
2,011 #
Number
Amt
Number
Amt
Number
Amt
Number
Amt
1586822
(267403)
14453.30
(2198.00)
1196134
(240888)
14547.73
(2480.37)
779
(88)
10728.49
(2665.75)
469
(2)
8448.96
(843.77)
Loans disbursed
during the year
Loans
Outstanding
4851356
(1245394)
28038.28
(6251.08)
4786763
(1285714)
31221.16
(7829.38)
1659
(146)
13955.74
(3808.20)
2315
(139)
13730.62
(3041.76)
Savings Accounts
with Banks
6953250
(1693910)
6198.71
(1292.62)
7461946
(2022649)
7016.30
(1817.12)
Figures in parentheses indicate the share of SHG covered under SGSY*: Actual Number of MFI provided with bank loans would be lower, as several MFI
availed loans from more than one bank#: Figures in parentheses indicate the assistance of SIDBI to MFI
62
assistance of
credit
formed.
linked.
In
addition,
1,238
Cluster
Level
3.64
2.66 lakh.
partners
and
stakeholders
of
Programme
empowerment
of
envisages
1,08,000
poor
holistic
women
and
various
districts
SHG-Bank
originally
including
being
implemented
in
six
NGOs,
seven
lakh
The
Linkage
Programme
officials
have
such
been
as
bankers,
trained.
NABARD
in
districts
eight
consequent
year
long
to
the
bifurcation
Programme
assisted
of
by
3.65
Table 3.5: Grant Assistance Extended to various Partners in SHG-Bank Linkage Programme
(As on 31 March 2012)
(` lakh)
Agency
Cumulative Sanctions
Cumulative Progress
No.
Amt.
No.of
SHGs
No.
Amt.
No.of
SHGs
Amt.
released
SHG s
formed
SHG s
linked
DCCB
RRB
NGO
FC
IRV
7
3
166
4
1
118.50
96.75
3573.75
0.73
5.20
4740
3810
85571
61
300
115
123
3013
811
72
857.81
542.19
16200.59
83.16
733.58
71695
53145
499909
7689
43223
289.19
197.10
4882.31
73.81
86.03
47515
56070
283007
17356
13105
31744
36852
181196
9694
6860
Total
181
3794.93
94482
4134
18417.33
675661
5528.44
417053
266346
63
3.67
into
micro-enterprises
by
3.68
Box 3.6: From Red Light to a Ray of light through JLG in Munger, Bihar
The dark realities of flesh trade and the unfortunate lives of
Gulabi, one of the JLG members, says that she did not
believe
earlier
that
any
formal
institution
from
the
help them. But she was amazed when bank offered them
Bihar
for
the bank loan available to them @11 per cent p.a. they do
JLG, who also teaches in the school being run for the
BKGB and two JLGs were formed among the sex workers.
These
Kshetriya
groups
Gramin
were
Bank
sanctioned
(BKGB),
Munger
`80,000/-
each
for
Now with
average of
also their
are being made to cover more such women under the JLG
seasons.
in the district.
64
3.70
Micro-finance
assistance to
viz.,
NABARD
Agriculture
of all stakeholders.
Development
Financial
Services
Ltd.,
3.71
financial
During 2011-12,
6,915
Correspondents
SHGs
(BC)
through
taking
67
the
the
SHG-Bank
Linkage
inclusion
of
hitherto
unreached
poor
cumulative
The
years,
Business
clients.
the
Over
crore
Grant
year.
an
the
G. Other Developments
Karnataka
during
The
Review
3.69
purpose
and
intent
of
re-launching
the
NABFINS
the year.
65
members
capacity,
matching
with
their
repaying
3.73
sanctioning
stakeholders.
3.72
in
Box 3.7: Salient features of Scheme for Promotion of Women SHGs in backward districts of India and
Left Wing Extremism Affected districts of India
i.
than
one
NGO/support
agency,
with
clear
the scheme.
iii. The concerned bank branch will enter into a MoU with
66
of
cash
credit
is
thus
aimed
at
following benefits :
3.74
borrowing.
Budget
The
banker
will
be
freed
from
2011-12,
Women
SHGs
frequent
objectives
of
Aajeevika
i.e.
the
National
Rural
3.77
rural
development.
NABCONS
provides
State
Institutions,
Governments,
Co-operative
Banks/
Institutions,
Financial
Corporates,
Rural
125
assignments
The
Business
re-engineering
and
process
etc.
International
company
Development,
Administration,
A. Financial Achievements
3.76
including
3.78
India
67
Institute
of
Agriculture
and
Rural
Development
in
country
to
be
selected
E. Business Highlights
in
3.80
During
the
year,
NABCONS
established
other
rural
stakeholders
in
agriculture
and
NABCONS
monitoring
of
is
comparison
of
income
earned
from
third
party
development
under
in table 3.6.
engaged
infrastructure
3.81
in
(` lakh)
Sr. No. Institute
1
2
3
4
IIM Indore
IIM Ahmedabad
AFC
NABCONS
2009-10
2010-11
278.85
2024.92
3042.84
997.35
679.84
NA
4977.95
1481.03
3.82
i.
at
expenditure
`50
crore
incurred
since
being
2004-05,
replenished
with
the
3.84
through
Research Projects/Studies
During
2011-12,
five
research
projects
3.83
given below.
A brief
3.85
Gram
Gram
The
support
(172.92%)
different
(225.41%)
and
and
lowest
lowest
for
for
Bengal
Potato
(57.56%).
study
for
recommended
refresher
agencies;
extended
training,
formation
promotional
exposure
of
District
visits,
Level
the
3.87
The motivating
on
3.88
Loan
to
savings
ratio
was
Extent,
Dependency
and
groups.
Nature
local
socio-economic
the
suiting
lower
into
modules
Farmers
inquiry
with
3.86
An
training
district;
An
action
research
for
organising
small
4.41:1
(ISI),
technology,
These
geography,
micro-climatic
conditions,
basic
infrastructure,
etc.,
community.
Hence,
proposed system.
management
natural
harps
people
to
ownership,
of
of
land,
cooperate
and
the
management.
water
with
and
each
other
other
in
the
developed
under
the
project,
the
to
withdrawal
of
the
manual
3.90
institutional
step
cooperative
towards
actions
in
catalysing
the
and
sustaining
community
enterprise
whether
for
massive
who
live
reforestation
commons
survive
under
the
changing
system.
3.89
need
Adivasis,
critical
the
on
on
focused
Kolkata
70
essentially unpredictable environment, the Commonslivestock agricultural complex provides stability and
3.92
during
on
commons.
Commons
as
well
as
the
by
the
elite,
state
policy
3.93
for
better
governance
v.
institutional
of
enable
students
symposia
and
workshops
students
to
Marketing,
2005-06
development
since
seminars,
implemented
on the Commons:
3.91
3.94
natural
ii.
Strengthening
professors
3.
three
resources,
and
and
water
2010-11
and
year
the
Green
Finance,
Revolution-II,
Financial
have
submitted
project
reports.
An
Agri-
Inclusion,
3.95
BIRD- Bolpur
conducted
D. Other Developments
a. BIRD, Lucknow:
3.96
71
Programmes
Conducted
Personnel
Trained (Nos.)
261
377
344
6139
9645
8140
93
106
113
2474
2649
2842
BIRD,
Bolpur
113
93
117
2894
2373
2599
Total
467
576
574
11507
14667
13581
BIRD,
Mangalore
b. BIRD, Mangalore
3.97
each
consisting
of
CEOs
and
Heads
SANASA
of
Credit
collaboration
with
Centre
for
Bank
(SDB)
and
Sanasa
Appraisal
of
Farm
&
Non-Farm
Sector,
Development
SANASA
from
to
participants
sector
for
finance
conducted
micro
Studies
on
programmes
of
113
Institute
conducted
HASAL
institute
with
The
in
International
Management
Development
Programme,
Legal
client institutions.
c. BIRD, Bolpur
3.98
The
Institute
conducted
117
programmes
Challenges
was
organised
by
BIRD,
Lucknow.
72
3.100
Bengal)
GTZ)
established
were
utilised
for
conducting
training
the
Centre
for
Professional
Agriculture
in
Institute
of
Viswa
Bharati
University,
2008.
During
the
year,
C-PEC
revised
the
University
participants/
relating
Institutions.
regularly
to
interacted
agriculture/allied
with
activities
of
different
CPS
The
Organisational
Institute
Development
also
CPCB - Certified
conducted
Initiatives
in
Cooperative
in
Cooperative
Banking (Level I)
Assam
CPCB - Certified
Professional
Professional
assistance of
programmes
which
covered.
are
available
on
BIRDs
website
under
Further,
which
IIBM,
169
participants
Guwahati
was
were
granted
3.102
conducted
from
(SBLP).
General,
an
Mr
exposure
Won-Sik
visit
Noh,
for
team
Secretary
73
programmes
2010-11.
covering
18,306
participants
during
3.103
carved
out
policy.
covering
21,468
participants
during
2011-12
as
under
the
overarching
objective
74
of
IV
Capacity Building of Client Institutions
The Co-operative Banks and Regional Rural Banks
institutions
agriculture
and
NABARD
endeavours
to
of
rural
development.
strengthen
the
capacity
these
through
various
developmental
and
Institutional Development
A. Rural Co-operative Credit
Institutions:
a. Performance
4.2
(Table
4.1)
indicated
that
their
deposits
as
on
during
Co-operative
2010-11,
Agriculture
Rural
Profitability
During 2010-11, 29 out of 31 SCBs earned
State
Development
borrowings
and
i.
structure,
Working Results
4.4
b.
by
SCB
DCCB
2010
2011*
% Growth
2010
2011*
% Growth over
31
31
370
370
1636
2024
23.72
7235
7950
9.88
Reserves
10555
12048
14.14
22807
25040
9.79
Deposits
82937
79179
-4.53
153585
166489
8.40
Borrowings
23530
32252
37.07
28188
42370
50.31
Loans Issued
53621
70818
32.07
118393
159859
35.02
Loans Outstanding
49239
64213
30.41
126356
131280
3.89
2010
Number
Share Capital
* Data Provisional - The data for the year 2010-11 in respect of Assam and Bihar states is repeated from the previous year.
75
SCARDBs
2010
Number
2011*
PCARDBs
2010
2011*
20
20
697
697
821
833
1.46
1528
1520
0.52
Reserves
3321
3578
7.74
3304
3312
0.24
Deposits
759
822
8.30
449
431
(-)4.00
15646
3210
17002
15809
3189
17141
1.04
(-)0.65
0.82
12698
2465
11666
12555
2434
11363
(-)1.22
(-)2.60
Share Capital
Borrowings
Loans Issued
Loans Outstanding
*
(-)1.13
Data Provisional - The data for the year 2010-11 in respect of Assam, Bihar, Gujarat, Haryana, Kerala, Odisha, Puducherry, Punjab, Tamil Nadu,
Tripura and West Bengal is repeated from the previous year. Manipur SCARDB is defunct.
4.5
4.6
SCB
2009-10
DCCB
2010-11 *
2009-10
SCARDB
2010-11 *
2009-10 $
PCARDB
2010-11 $* 2009-10
2010-11 *
Total (No.)
In Profit (No.)
Profit Amount
In Loss (No.)
31
29
491
2
31
29
521
2
370
324
1691
46
370
317
1457
53
20
10
136
9
20
5
76
14
696
295
131
401
696
329
146
367
Loss Amount
208
317
495
443
332
237
344
358
*: Data Provisional The STCCS data for the year 2010-11 in respect of Uttarakhand, Bihar, West Bengal, Arunachal Pradesh, Assam, Manipur, Mizoram,
Tripura and Delhi is repeated.
*: The LTCCS data for the year 2010-11 in respect of Haryana, Kerala, Odisha, Punjab, Tamil Nadu, Assam, Bihar, Puducherry and Tripura is repeated
from the previous year.
$: Manipur SCARDB is defunct.
SCBs
DCCBs
2009
404
5204
1054
3631
2010
574
5302
1188
4087
2011
480
4188
1401
4299
*
*
SCARDBs *
PCARDBs*
Data Provisional The STCCS data for the year 2010-11 in respect of Uttarakhand, Bihar and West Bengal states is repeated.
The LTCCS data for the year 2010-11 in respect of Haryana, Kerala, Odisha, Punjab, Tamil Nadu, Assam, Bihar, Puducherry and Tripura is repeated
from the previous year.
76
Profit/Loss
(+)/ (-)
2009-10
Total NPAs
NPA as % to loans
outstanding
2010-11*
2009-10
2010-11*
2009-10
2010-11*
Recovery (%)
(As on 30 June)
2009-10 2010-11*
Central
45.56
70.26
469.30
507.07
7.29
6.13
92.42
94.46
Northern
71.30
124.79
364.20
434.59
3.15
3.01
97.99
97.41
Eastern
71.94
72.66
387.20
418.08
7.11
6.83
91.64
92.39
Western
64.06
14.72
1928.82
2828.76
18.42
20.57
81.59
96.24
(-)28.99
110.30
749.43
965.76
5.33
4.94
93.91
74.31
59.48
62.31
453.29
565.03
36.05
41.10
45.47
44.23
283.35
203.13
4352.24
5719.29
8.84
9.01
91.83
91.75
Southern
North-Eastern
All-India
*
Data Provisional- The data for the year 2010-11 in respect of Uttarakhand, Bihar, West Bengal, Arunachal Pradesh, Assam, Manipur, Mizoram, Tripura and
Delhi is repeated.
4.7
4.10
4.8
NPA
to
loan
outstanding
in
respect
of
DCCBs
During
2010-11,
profits
of
ii.
SCARDBs
4.11
2009-10
DCCB
No.
Profit
No.
Amt.
2010-11*
Loss
No.
DCCB
No.
Amt.
Profit
No.
Amt.
Loss
No.
Amt.
Total NPAs
2010
Central
NPA % to
Recovery %
Loans
Outstanding
(As on 30
June)
2011 2010
104
95
314.28
37.65
104
89
310.17
15 166.02
3134.98
2891.56 24.72
Northern
73
65
113.01
35.81
73
55
125.28
18
25.48
1812.21
1448.63
3.85
Eastern
64
48
55.96
16
86.83
64
47
49.27
17 204.78
1278.87
1438.00
5.69
Western
49
42
593.38
321.87
49
48
547.01
13.66
5597.24
4868.21 17.68
Southern
80
74
614.59
12.65
80
78
425.05
32.65
4553.10
4600.54 11.63
All-India
370
46 494.81
370
324 1691.22
317 1456.78
53 442.59
Data Provisional- The data for the year 2010-11 in respect of Uttarakhand, Bihar, West Bengal, Arunachal Pradesh, Assam, Manipur, Mizoram, Tripura and
Delhi is repeated.
77
No. of
Profit/Loss(-)
Total NPAs
NPA %
Recovery %
to demand
Branches
2010
2010
2011*
2010
2011*
2010
2011*
2010
2011*
Central
349
(-)52.91
(-)48.15
2265.76
2340.42
47.47
50.60
37.48
37.48
Eastern
138
7.07
7.07
368.93
313.99
69.77
67.64
36.47
36.47
33
(-)3.94
(-)3.94
17.31
17.31
39.77
39.77
54.45
54.45
North-Eastern
Northern
85
49.00
50.00
831.29
1306.71
18.42
17.16
58.00
58
Southern
56
(-)63.15
(-)63.15
722.95
725.79
20.23
20.39
57.94
56.85
Western
181
(-)132.08
(-)130.49
1441.66
1411.48
74.70
73.75
11.85
19.54
All-India
842
(-)196.01
(-)188.46
5647.90
6115.70
45.06
44.88
40.54
40.03
Data Provisional - The data for the year 2010-11 in respect of Haryana, Kerala, Odisha, Punjab, Tamil Nadu, Assam, Bihar, Puducherry and Tripura is
repeated from the previous year.
4.13
4.12
No.
2010-11
Profit
No.
Loss
Amt. No.
No.
Amt.
Total NPAs
Profit
No.
Loss
Amt.
No.
Amt.
2010
2011
NPA % to
Loans
Outstanding
2010
2011
Recovery %
As on
30 June
2010 2011
Central
50
16
2.21
34
35.74
50
10
15.00
40
80.47
623.47
638.76
52.30
57.89
44.06 37.55
Eastern
66
38
33.61
28
16.37
66
38
33.61
28
16.37
249.33
174.29
63.90
58.75
46.70 46.70
Northern
145
104
50.52
41
205.03
145
105
52.15
40
205.15
2,260.42
2256.91
30.85
30.89
46.40 47.36
Southern
406
137
44.53 269
Western
29
All-India 696
86.68
406
176
59.16
230
55.83
1,273.80
1283.80
37.30
37.29
40.96 44.47
29
29
29
480.60
480.60
75.00
75.00
7.97 20.83
343.82
696
329
159.92
51.87
51.96
37.22 39.38
78
NPA
in
Northern
region
(6.19%)
and
southern
4.15
4.14
4.16
Jammu
Kerala,
Manipur,
&
Puducherry,
Kashmir,
Arunachal
Bihar,
Maharashtra,
Pradesh,
Assam,
Karnataka
and
Maharashtra.
The
loan
(` crore)
Asset
Classification
SCB*
DCCBs* SCARDBs
PCARDB#
Agency
Sub-Standard
1714.82
6031.73
2832.64
2521.17
Doubtful
2505.19
6496.99
1771.70
1802.65
2009
2010
2011*
SCBs
92
92
92
DCCBs
72
76
79
Loss Assets
1499.27
2718.22
127.27
53.58
Total NPAs
5719.28
15246.94
4731.61
4377.40
SCARDBs
41
41
40
PCARDBs
39
37
39
Provisions required
3523.99
10983.67
1188.28
1040.60
Provisions made
3997.93
12392.75
1445.56
1113.13
Data Provisional -The STCCS data for the year 2010-11 in respect
of Uttarakhand, Bihar and West Bengal states repeated.
79
Table 4.11: Frequency Distribution of Co-operative Banks According to Range of Loan Recovery Percentage
(As on 30 June)
(Number)
Recovery (%)
(Recovery to
demand)
SCBs*
(No.)
DCCBs*
(No.)
SCARDBs**@
(No.)
PCARDBs*@
(No.)
2010
2011
2010
2011
2010
2011
2010
2011
<40
>40 to < 60
>60 to < 80
1
1
12
3
1
9
47
77
121
47
77
121
10
4
4
10
4
4
337
205
113
337
205
113
>80
17
18
124
124
42
42
Total
31
31
369
369
19
19
697
697
*: Data Provisional - The data for the year 2010-11 is repeated from previous year in respect of SCBs & DCCBs in Uttarakhand, Bihar, Assam,
Manipur, Mizoram and Tripura. Data for one DCCB in MP not available.
@: The LTCCS data for the year 2010-11 in respect of Haryana, Kerala, Odisha, Punjab, Tamil Nadu, Assam, Bihar, Puducherry and Tripura is
repeated from the previous year.
**: Manipur SCARDB is defunct.
4.17
Table 4.12: Frequency Distribution of States/UTs according to Level of Loan Recovery of SCBs and DCCBs
(As on 30 June 2011)
Recovery (%)
SCBs*
DCCBs*
Manipur
Jammu & Kashmir (1), Bihar (5), Jharkhand (7) West Bengal
Madhya Pradesh (9), Uttar Pradesh (15), Uttarakhand (2), Maharashtra (3)
(3),
<40
Arunachal Pradesh,
and Meghalaya (3)
J & K (1)
Haryana (3), Rajasthan (4), Bihar (10), Jharkhand (1), Odisha (3),
West Bengal (5), Madhya Pradesh (7), Uttar Pradesh (15), Gujarat (1),
Maharashtra (9), Karnataka (1), Kerala (1), Tamil Nadu (3)
Chandigarh, Himachal
Haryana (15), Himachal Pradesh (1), Jammu & Kashmir (2) Punjab (1),
Rajasthan (15), Bihar (6), Odisha (11), West Bengal (7), Madhya Pradesh (14),
>80%
Chhattisgarh
(6),
Uttar
Pradesh
(12),
Uttarakhand
(2),
Gujarat
(7),
Maharashtra (9), Andhra Pradesh (6), Karnataka (3), Kerala (2), Tamil Nadu (5)
Puducherry and
Tamil Nadu (18)
Total
*
31
370
Data Provisional - The data for the year 2010-11 is repeated from previous year in respect of SCBs & DCCBs in Uttarakhand, Bihar, Assam,
Manipur, Mizoram and Tripura.
80
Table 4.13: Frequency Distribution of States/UTs according to Levels of Loan Recovery of SCARDBs and PCARDBs
(As on 30 June 2011)
Recovery
SCARDBs
< 40 %
PCARDBs *
Chhattisgarh (2), Haryana (15), Karnataka (59), Kerala (3), Madhya Pradesh
(29), Maharashtra (29), Odisha (26), Punjab (8), Rajasthan (16), Tamil Nadu
> 40 % and
Chhattisgarh (7), Haryana (4), Karnataka (77), Kerala (15), Madhya Pradesh (7),
< 60%
Bengal,
Odisha (11), Punjab (24), Rajasthan (15), Tamil Nadu (8), West Bengal (9) (177)
Pradesh,
Haryana,
Himachal
Rajasthan
and
Gujarat
> 60% and
Chattishgarh
< 80%
(3),
Himachal
Pradesh
(1),
Karnataka
(37),
Kerala
(20),
Madhya Pradesh (2), Odisha (5) Punjab (29), Rajasthan (4), Tamil Nadu (2),
West Bengal (2) (105)
> 80%
Karnataka (4) Kerala (8), Odisha (4), Punjab (28), Rajasthan (1), West Bengal (2)
(47)
Total
*
19*
697
Data in respect of Manipur SCARDB and Maharastra SCARDB not available ; Data in respect of SCARDB and PCARDB for the states in
Bihar, West Bengal, Punjab, Kerala, Gujarat, and Maharashtra repeated from previous year
4.18
4.19
of
of
recoveries,
the
covenants
of
the
memorandum
huge
accumulated
losses,
lack
of
SCBs*
DCCBs*
SCARDBs*
PCARDBs*
31
370
20
697
86
284
29
23
35
41
81
functional
efficiency.
During
2011-12,
financial
disbursed
(including
disbursements
against
f.
Organisation Development
Initiatives (ODI)
4.22
Further,
an
42(6) of RBI Act, 1934 and the SCB and DCCBs not
their policies.
implementing
DAP
in
phases
gives
development,
operational
DCCBs
4.21
etc.,
capacity
which
in
building
turn
and
contribute
to
their
82
NABARD-GIZ
Rural
Financial
i.
Institutions
4.25
package
with
Model/
the
stakeholders;
(ii)
Developing
announced
by
the
GoI
in
2006.
The
i.
Recapitalisation assistance
Under
the
purview
of
institutional
negotiations.
To
build
and
certify
the
professional
in all 24 States.
competence in CCS
83
ii.
4.27
democratic
character
and
autonomy
of
4.31
by the States.
4.28
2012,
Computerisation in PACS
The
Accounting
process
of
adoption
System
(CAS)
and
of
implementing States.
speedier
CAS/MIS.
and
Andhra
During
the
year,
three-day
smooth
Pradesh,
have
been
trained
in
the
module
by
BIRD
rolled out.
86,276
implementation
to
to
imparted
package
been
Management
the
has
Common
4.29
training
4.32
84
Business
specially
Chhattisgarh,
Programme
Development
in
most
of
Plan
the
Karnataka,
on
BDP
(BDP)
entities
etc.
and
have
in
states
Specialised
governance
been
like
Training
to
PACS
of NABARD.
4.34
GoI is awaited.
Box 4.1: GoI Revival Package for STCCS : Impact Assessment Study
y
Release
of
recapitalisation
assistance
has
need
for
diversified
business
85
(outstanding)
increased
by
45.56
per
cent
(Table 4.15).
indicate
that
there
was
improvement
in
their
2009
2010
2011
2012#
86 *
82*
82
82
15181
15480
16001
16914
197.00
197.00
197.00
197.00
3959.30
3984.91
4076.34
4559.43
Reserves
6753.99
8065.26
9565.58
11135.19
Deposits
120188.90
145034.95
166232.34
187351.37
30271.71
Borrowings
12734.65
18770.06
26490.80
Investments
65909.92
79379.16
86510.44
89145.79
67802.10
82819.10
98917.43
120550.66
Loans Issued
43367.13
56079.24
71724.19
78546.55
80
79
75
79
1823.55
2514.83
2420.75
2469.18
35.91
5.65
71.32
25.77
1787.64
2509.18
2349.43
2443.41
Accumulated Losses
2299.98
1775.06
1532.39
1104.85
31
27
23
22
77.85
80.09
81.18
82.63
4.14
3.72
3.75
4.14
8610.31
10472.10
12306.53
14786.77
$ Before Tax
# Data is Provisional
86
RRB
No.
Profit
Earning
Loss
Incurring
No.
Amt.
No.
Amt.
Net
Profit
Accumu
lated
Losses
Loans &
Advances
O/S
Gross NPA
Recovery (%)
(As on 30 June)
Amount
2010
2011
Central
23
22
752.53
3.70
579.89
77.80
31477.15
2040.71
6.48
76.10
81.29
Eastern
14
13
400.45
18.10
326.99
702.00
20109.98
990.53
4.93
73.46
72.03
Northern
15
15
404.86
0.00
264.15
181.66
17546.74
370.80
2.11
88.71
88.76
North - Eastern 8
201.53
3.97
154.18
95.16
5429.02
259.25
4.78
74.49
74.69
Southern
16
16
614.53
0.00
473.67
0.00
40462.11
1164.15
2.88
83.97
84.92
Western
95.28
0.00
55.35
48.23
5525.66
168.71
3.05
75.96
75.77
82
79
2469.18
25.77
1854.23
1104.85
120550.66
4994.15
4.14
81.18
82.63
NPA
of
All India
*
Data Provisional
b. Recovery Performance
c. Non-Performing Assets
4.37
4.38
The
aggregate
gross
all
RRBs
Banking Solution
4.39
States
< 40
Nil
Bihar (1), Jharkhand (1), Manipur (1), West Bengal (1) (4)
Andhra Pradesh (2), Arunachal Pradesh (1), Assam (1), Bihar (2), Chhatisgarh (2), Haryana (1), J & K (1),
Jharkhand (1),Karnataka(3), Maharashtra (3), Madhya Pradesh (5),Meghalaya (1),Nagaland (1), Odisha (5),
Uttar Pradesh (7), Uttarakhand (1), West Bengal (2) (39)
>80
Andhra Pradesh (3), Assam (1), (Bihar (1), Chhatisgarh (1), Gujarat (3), Haryana (1), Himachal Pradesh
(2), J & K (1), Karnataka (3), Kerala (2), M.P (3), Mizoram (1), Puducherry (1), Punjab (3), Rajasthan (6),
Tamil Nadu (2), Tripura (1), U.P. (3), Uttaranchal (1) (39)
87
GoI
Sponsor
implemented
respectively.
CBS
in
90
branches
out
of
184
along
with
other
Banks/State
shareholders
decided
Governments)
is
to
50:35:15
able
to
make
any
progress
on
4.42
CBS
As
on
31
March
2012,
an
amount
of
States.
The
released
amount
includes
GoIs
e. Financial Inclusion
4.40
The
RRBs
have
emerged
as
strong
f.
Recapitalisation of RRBs
4.41
financial
of
all
RRBs
in
2010
and
2011-12
No. of
Deposit
Accounts
Of which,
No-Frills
Accounts
No. of
Loan
Accounts
GCC
SHG
KCC
Tenants
Farmers
SSI, Artisans,
SCC & retail
trade
1157.47
260.94
205.62
5.2
8.62
9.74
1.91
28.15
*: Data provisional
88
g. Recruitment in RRBs
4.43
RRBs.
NABARD
has
selection
Examination.
process
been
besides
entrusted
with
finalization
of
the
the
Supervision of Banks
4.44
Registrar
Act,
voluntary
NABARD,
with
comprehensive
1949.
NABARD
apart
from
and
also
conducts
ensuring
holistic
conformity
one,
encompassing
of
Co-operative
Societies
(RCS),
State
b. Board of Supervision
4.46
A. Operational Matters
reports
of
frauds
in
the
supervised
banks,
a. Inspection of Banks
4.45
4.47
Requirement
after
found
complying
provisions
of
4.50
1949
(AACS)
in
regard
to
minimum
capital
Act, ibid.
RRBs
India
of
Provisions
of
number
1949 (AACS).
Government
the
2012.
Section
Agriculture,
of
82 as on 31 March
the
42(6)(a)(ii)
stood at 80 out of
not
with
Section
scheduled
complying
with
the
on 31 March 2012, 49
CCBs)
were
they
Secretary,
B. Policy Decisions
4.51
indicated below:
4.49
90
a. SCBs/CCBs
4.52
are
done
Audit in RRBs.
same
in
the
frauds
received,
preventing
or
for
made
computerized
environment, (iv) to submit revised returns under Offsite Surveillance System, (v) to review the financial
statements of borrowers diligently for strengthening the
4.54
(vi)
for
the
Revised
about
same
the
are
reduction
done
in
the
electronically,
time
(viii)
limit
b. RRBs
(CMA),
4.53
Controls,
Investments,
Corporate
Internal
Checks
Governance,
&
Investment
Institute
of
Information
Inspecting
Officers
control
the
Towards
Officers
of
NABARD
in
entities,
for
preventing
Computerisation of OSS
New Software developed by
NABARD under the OSS has
been forwarded to all the
supervised
entities
for
submission of revised returns.
frauds
in
of borrowers diligently
for
credit
strengthening
the
Reserve
assessment/
conduct
inspection
in
improving
NABARD
Computerised
the
has
Risk
taken
Bank
College,
monitoring framework of
Staff
Chennai, in July
91
equip
NABARDs
Lucknow,
to
better
(PNBIIT),
to
Technology
Regional
Supervision
Seminars
for
its
inspecting
4.55
Government
two
of
India
had
also
conducted
92
V
Organisation, Corporate Governance and Management
NABARD has been entrusted with the responsibility of
Human
client
and
multi-dimensional
initiatives.
banks.
Human
resource
tasks
development
efficiently.
NABARD
has
Resources
Some
Management
departments
System
of
(HRMS),
NABARD
were
Management
A. Board of Directors
5.2
(d)
(e)
Additional
Secretary
(f)
vice
Department
(APD),
Shri
Navin
Kumar
Choudhary.
Shri
(g)
respectively.
Government
of
India
was
Production
Shri
was
(c)
Rajasthan
(FS),
(b)
of
Government
Kumar,
B. Senior Management
Joint
Secretary
(BA),
5.4
Management
Committee,
an
important
93
Offices
5.5
have
been
designated as Central
Public
empowerment,
a. Training/deputation/higher studies/
distance learning
5.6
During
the
year,
103
programmes
were
Group
staff.
One
pre-recruitment
training
water
programme,
ground
training
skills,
advanced
negotiation
Customised
5.7
officers
completed
were
deputed
for
101
Off-the-Shelf
the
e-learning
programme,
Harvard
strategic
HRM,
management,
information
treasury
systems
audit,
management,
risk
women
94
Total
Of which
SC
ST
33
various
exposure
51
103
83
10
115
20
16
Total
392
42
24
overseas
training
programmes,
conducted
by
AIM,
Manila.
Other
5.11
Forum
Shri
5.12
60th
held
S.K.Mitra,
at
Kuala
Executive
Lumpur,
Director
Malaysia.
attended
the
d. PAR System
5.9
5.13
Details
of
promotions
effected
grade/
Cadre
b. Staff Strength
5.10
95
Of which
SC
ST
226
Group A
2842
431
Group B
868
104
69
Group C
842
301
102
4552
836
397
Total
Total
have
31 March 2012.
been
introduced
for
the
year
ending
5.14
5.19
Two
seminars
on
Administrative
Matters,
Periodic discussions
Office and
B. Transparency/Consultative
Approach
5.20
Twenty one
workload
Committee
of
for
also
considered
(JCC)
DDMs
DDMs
recommendations
as
handling
disciplinary
of
and
facilities/amenities
Joint
issues,
effective
The
for
5.16
officers
RTI cases.
sensitising
administrative
submitted
made
for
and
policy
by
the
decisions
to
its
assess
the
report.
The
Committee
were
and
necessary
5.21
5.17
to
adhere
to
the
D. Other Developments
Central
continued
The
Bank
5.18
The
Complaints
and
programmes
Committee
conducted
for
ROs.
for
at
Two
31
pre-promotion
SC/ST
training
staff
centres.
training
members
Other
were
benefits
at
function
providing
prevention
of
sexual
effectively.
harassment
The
of
Central
women
Complaints
compassionate
appointment
96
to
the
H. IT roadmap implementation in
NABARD
2011-12,
5.22
have
taken
place
during
of
Human
Resources
developments
implementation
the
year 2011-12:
financial year.
c. Strengthening of IT infrastructure:
5.23
5.25
examining
decided
to
proved a big money and time saver for the Bank apart
Mumbai.
Bank
sessions
alternatives,
Seminars/Workshops/Training
various
246
5.26
the following:
Chairmans
Secretary,
interaction
Department
with
of
the
Finance
Financial
Services,
5.27
these
to
provide
uniform
access
to
applications,
improved
IT
security
and
through VC.
order
In
Establishments
centrally
from
HO.
The
application environment.
97
f. Capacity building:
5.28
Chapter.
5.31
The
project
for
the
construction
of
and
Purchase of
interacted
completed.
report.
expected
to
The
Management,
with
the
external
auditors
before
the
and
at
bank
quarters
the
been
of
has
process
RO
Sikkim
making
RMCB
Asset
reviewed
and
the
Liability
Credit
Risk
Management,
reach
J. Vigilance
5.30
observed
from
Vigilance
Awareness
Week
and
synopses of
98
NABCONS,
Mumbai.
The
working
of
the
iv.
Rajya
Chandigarh
and
Sabha
to
Shimla
Amritsar,
from
16
to
The
on
Mumbai,
2011
Subordinate
Legislation
Legislation
had
representatives
to
discussions
of
the
with
Employees
Committee
Act.
Rajya
Sabha
to
The
Bengaluru,
Committee
Rajya
2011
representatives
The
Committee
on
Subordinate
Sabha
had
discussions
Rajya
with
RRBs,
Sponsor
representatives
of
Banks,
along
Ministry
of
with
with
Priority
Finance
Sector
Leh
on
Government
dated
of
Officers)
of
the
Nagar
Committee
Rules,
2010
and
Draft
&
Evidence
Rajbhasha
on
29
Implementation
September
2011
at
Jaipur
Assurances,
Meeting
Jaipur
Finance
and
USQ
of
(ii)
Ministry
farmers.
of
lending
the
Union/
vi.
Sabha
representatives
Promotion
Sector Schemes.
Rajya
with
Employees
Assurances,
discussions
the
had
of
Legislation,
Subordinate
the
current
Sabha
on
Legislation,
and
Assurances,
Union/
The
Government
the
of
on
iii.
Assurances,
22 September 2011
ii.
15.03.2011
Official
Language
for
the
Central
Government
offices
located
in
Delhi,
M. Promotion of Hindi
5.33
GoI
monitored
by
Official
Language
2012 :
including
HO
through
their
quarterly
meetings.
with
Commercial
and NABARD:
representatives
of
various
November 2011.
Surveyors
and
professional
Loss
Assessors
requirements
and
of
on
the
183rd
report
Banking
of
the
Ombudsman
aforesaid workshops.
Scheme, 2006
5.34
by
NABARD
under
the
aegis
of
Coordination
to 2 March 2012 :
Yavatmal
district
of
Maharashtra
state
and
100
VI
Financial Performance & Management of Resources
NABARD
has
put
in
place
sound
resource
the
previous
period.
The
funds
deployed
for
management system.
31
31.03.2011
Amount
31.03.2012
Share (%)
Amount
Share (%)
13,863
8.7
16,408
9.0
16,045
10.1
16,058
8.8
STCRC Fund
14,622
9.2
20,000
11.0
277
0.2
291
0.2
RIDF Deposits
67,878
42.7
75,107
41.3
21.2
Deposits
26,788
16.9
38,584
Certificate of deposits
137
0.1
1,281
0.7
110
0.1
182
0.1
1.2
Commercial Paper
6,448
4.0
2,245
124
0.1
85
503
0.3
503
0.3
360
0.2
0.0
33
11,717
7.4
11,298
6.2
158,872
100.0
182,075
100.0
Sources of Funds
A. Capital, Reserves & Surplus
6.3
cent
and
that
of
RBI
at
0.67
per
cent.
6.4
Operations)
101
The
National
and
the
Rural
Credit
National
(Long
Rural
Term
Credit
(Stabilisation)
Funds
are
utilised
for
investment
short-term
credit,
respectively.
These
Funds
are
E. Borrowings
i.
C. STCRC Fund
6.5
With
6.8
view
to
augmenting
NABARDs
outstanding
Institutions,
2012.
the
Short
Term
Co-operative
of `7,229
Rural
stood
and the
at `7 crore as on 31 March
ii.
Corporate Bonds
6.9
Corporate
Bonds
amounting
to
`17,914
6.10
D. Deposits
i.
Term Deposits
6.6
The
deposits
amount
received
of
from
term
tea,
deposits
coffee
and
and
the
6.11
rubber
v.
6.7
6.12
the
Warehousing
at `24 crore.
year,
RIDF
Deposits
from
RIDF Deposits
During
`4,975 crore
as on 31 March 2012.
ii
XIII
6.13
with
mobilised
and
aggregated
Bharat
to
Nirman(BN)
`15,241
crore,
As on 31 March 2012,
Commercial
papers
to
`7,308
March 2011.
6.17
There
Government
were
of
(STD)
no
India
fresh
during
borrowings
the
year
from
6.18
2011-12,
The
entire
amount
of
borrowing
made
Uses of Funds
F. ST Loans, MT (Conversion) Loans
6.19
6.20
`13,764 crore
resulted
in
increased
loans
outstanding
for
31
March
2012,
compared
to
the
H. Non-Project Loans
loan
6.21
The
(LT)
loans
this
segment.
Outstanding
balance
under
MT
to
State
Governments
for
`140 crore as on 31
March 2011.
103
31.03.2011
Amount
31.03.2012
Share (%)
Amount
Share (%)
10537
6.6
8313
4.6
5868
3.7
5867
3.2
228
0.1
231
0.1
33885
21.3
48338
26.6
193
0.1
129
0.1
38896
24.5
43107
23.7
167
0.1
140
0.1
66078
41.7
70860
38.9
88
0.1
72
0.0
423
0.2
910
0.5
759
0.4
Other Loans
Fixed Assets & Other Assets
Total
182
0.1
231
0.1
2750
1.7
2695
1.5
158872
100.0
182075
100.0
(* Including the amount subscribed to Special Development Debentures of SCARDBs which are in the nature of Deemed Advances.)
I. Investment Credit
6.22
medium and
K. NIDA
6.24
During
the
year,
refinance
available
31 March
provided,
NIDA,
new
during
the
line
of
credit
was
made
current
year
for
rural
by
budgetary
resources
of
the
State
Governments.
J. Co-finance
6.23
104
Short-term
multipurpose
product
N. Other Loans
6.27
as on 31 March 2012.
Government
of
India
has
accorded
top
6.28
Financial
assistance
The
quantum
of
surplus
deployed
by
is
and
State
Bank
agencies
owned/
supported
by
Central/
Deposits
in
order
to
meet
liquidity
and
NRC
transferred
Investment
various
and
Funds
Reserve
viz.,
Fund,
Cooperative
Fluctuation
Reserve,
FIPF,
FTTF
and
FITF.
Capital Adequacy
to
Fund
(Stabilisation)
6.30
percent
105
and
6.31
prudential
The
Asset-Liability
Committee
(ALCO)
monitoring
and
of
the
Management
Bank
oversees
interest-rate
Besides
the
limits
evaluating
sensitivity
prescribed
the
positions
by
market
the
risk
vis-a-vis
RBI/Board.
of
treasury
risk,
considered
market scenario.
management
of
market
106
essential,
taking
into
account
the
Annual
Accounts
2011-2012
107
AUDITORS REPORT
We have audited the attached Balance Sheet of NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT
(the Bank) as at March 31, 2012 and the Profit and Loss Account and the Cash Flow Statement for the year ended on that date
annexed thereto in which are incorporated the returns of 11 Regional Offices and 1 Training Centre audited by us. These Offices
and Training Centre have been selected in consultation with the Bank in terms of notification no.F.No.1/14/2004-BOA dated January
23, 2012 issued by Government of India, Ministry of Finance, Department of Financial Services. Also incorporated in the Balance
Sheet, Profit and Loss Account and Cash Flow Statement are the returns from 18 Regional Offices and 2 Training Centres which
have not been subjected to audit. These unaudited offices account for 26.18% of advances (includes deemed advances as per
Note B-14(c) of Schedule 18), 0.38% of deposits and term money borrowings, 24.85% of interest income (includes interest on
deemed advances as per Note B-14(b) of Schedule 18) and 0.34% of interest expenses. These financial statements are the
responsibility of the Banks management. Our responsibility is to express an opinion on these financial statements based on our
audit.
We have conducted our audit in accordance with auditing standards generally accepted in India. Those standards require that we
plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement.
An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit
also includes assessing the accounting principles used and significant estimates made by management as well as evaluating the
overall financial statements presentation. We believe that our audit provides a reasonable basis for our opinion.
Subject to the limitations of the audit mentioned in paragraph 1 above, we report that:
a.
We have obtained all the information and explanations which to the best of our knowledge and belief were necessary for
the purposes of our audit and have found them to be satisfactory;
b.
In our opinion, the transactions of the Bank which have come to our notice have been within the powers of the Bank;
c.
The returns received from the Regional Offices and Training Centres of the Banks have been found adequate for the
purpose of our audit;
d.
The Balance Sheet and Profit and Loss Account have been drawn up in accordance with Schedule A and Schedule B of
Chapter IV of the National Bank for Agriculture and Rural Development (Additional) General Regulations, 1984;
e.
In our opinion and to the best of our information and according to the explanations given and as shown by the books of
the Bank:
i.
the Balance Sheet, read with Significant Accounting Policies and notes on accounts contain all necessary particulars
and is properly drawn up in conformity with the accounting principles generally accepted in India so as to exhibit
a true and fair view of the state of affairs of the Bank as at March 31, 2012; and
ii.
the Profit and Loss Account, read with Significant Accounting Policies and notes on accounts, shows a true
balance of the profit for the year ended on that date and is in conformity with accounting principles generally
accepted in India; and
iii. the Cash Flow Statement gives a true and fair view of the cash flows of the Bank for the year ended on that date.
Place: Mumbai
Date: May 26, 2012
108
SCHEDULE
(` in thousands)
As on
31.03.2012
As on
31.03.2011
3000,00,00
2000,00,00
Capital
13407,68,56
11862,72,33
16058,00,00
16045,00,00
139,20,78
138,89,56
657,92,20
2601,89,23
Other Funds
4157,12,25
3431,47,40
Deposits
95397,75,23
82776,67,53
38583,86,29
26788,21,49
Borrowings
4328,48,40
7681,29,10
6345,16,85
5546,09,80
182075,20,56
158872,26,44
632,33,09
592,09,63
10
Total
Forward Foreign Exchange Contracts (Hedging) as per contra
(` in thousands)
Sr.
No.
SCHEDULE
As on
31.03.2012
As on
31.03.2011
10
8544,37,38
10765,26,79
Investments
11
18209,82,72
19329,50,93
Advances
12
152625,95,23
126027,99,95
Fixed Assets
13
225,05,62
229,48,63
Other Assets
14
2469,99,61
2520,00,14
182075,20,56
158872,26,44
632,33,09
592,09,63
Total
Forward Foreign Exchange Contracts (Hedging) as per contra
Commitment and Contingent Liabilities
17
18
K. S. Padmanabhan
Chief General Manager
Accounts Department
Mumbai : 26 May 2012
H R Khan
Director
Dipankar Gupta
Director
109
M L Sharma
Director
SCHEDULE
(` in thousands)
2011-12
2010-11
9511,97,11
1346,02,32
8169,13,99
943,23,85
120,50,51
89,63,23
10978,49,94
9202,01,07
(` in thousands)
Sr.No. EXPENDITURE
1
2
3
4
5
6
SCHEDULE
2011-12
2010-11
15
16 A
16 B
7534,01,97
1027,10,81
144,18,23
21,22,00
6193,86,85
1126,09,88
35,60,34
22,57,98
8726,53,01
2251,96,93
7378,15,05
1823,86,02
455,00,00
162,00,00
460,00,00
84,65,00
1634,96,93
1279,21,02
18
2.1
(` in thousands)
2011-12
2010-11
1634,96,93
1279,21,02
5,35,40
20,65,30
0
10,61,32
29,94,42
2,73,85
6,05,32
17,67,49
1,01,14
11,40,75
2,07,65
2,39,20
0
0
0
1704,27,22
147,06,04
10,00,00
5,00,00
1481,88,61
310,00,00
10,00,00
1,00,00
5,35,40
20,65,30
27,15,42
44,56,36
2,73,85
0
0
45,00,00
1237,80,89
1704,27,22
360,00,00
50,00,00
10,00,00
6,05,32
17,67,49
116,07,65
33,55,54
2,34,20
50,00,00
25,00,00
10,00,00
801,18,41
1481,88,61
Ashok Rajagiri
Partner
M No.046070
Mumbai, Date : 26 May 2012
Prakash Bakshi
Chairman
K. S. Padmanabhan
Chief General Manager
Accounts Department
Mumbai : 26 May 2012
H R Khan
Director
Dipankar Gupta
Director
110
M L Sharma
Director
Reserve Fund
Opening
Exp./Add./
Balance as on
Adjust.
01.04.2011 during the year
Transferred
From P&L
Appropriation
Transferred to
P&L
Appropriation
Balance
as on
31.03.2012
6703,91,80
1237,80,89
7941,72,69
50,00,00
20,65,30
20,65,30
50,00,00
Capital Reserve
74,80,53
74,80,53
259,00,00
27,15,42
29,94,42
256,21,00
125,00,00
5,35,40
5,35,40
125,00,00
4445,00,00
310,00,00
4755,00,00
50,00,00
-1,64
49,98,36
25,00,00
-4,01
24,95,99
80,00,00
80,00,00
10
50,00,00
2,73,85
2,73,85
50,00,00
Total
11862,72,33
-5,65
1603,70,86
Previous year
10674,59,96
5,00
1378,33,07
58,68,97 13407,68,57
190,25,70
11862,72,33
Opening Balance
as on 01.04.2011
Contribution by
RBI
Transferred from
P&L Appropriation
Balance as on
31.03.2012
14468,00,00
1,00,00
10,00,00
14479,00,00
1577,00,00
1,00,00
1,00,00
1579,00,00
Total
16045,00,00
2,00,00
11,00,00
16058,00,00
Previous year
15983,00,00
2,00,00
60,00,00
16045,00,00
Particulars
1
2
3
4
Opening
Balance as on
01.04.2011
Grants received/
adjusted during
the year
Interest
credited to
the fund
Exp./Disb./ Adjust.
during the
year
Balance
as on
31.03.2012
55,61,77
55,61,77
73,16,38
4,66,84
10,24,81
67,58,41
9,19,49
63,10
5,45
9,88,05
91,92
5,23,64
3,00
6,12,55
Total
138,89,56
5,86,74
4,72,29
10,27,81
139,20,78
Previous year
149,87,64
16,39,37
4,15,31
31,52,76
138,89,56
111
Particulars
Opening
Balance as on
01.04.2011
Grant received
during
the year
Interest
Credited to
the fund
Adjusted
against the
expenditure
Balance
as on
31.03.2012
A.
KfW - NB - IX Adivasi Development Programme Maharashtra (Refer Note B-10 of Schedule 18)
78,42
4,41,18
8,72
3,52,00
1,76,33
16,88
3,28,48
1,00
3,16,21
30,15
81,00
28,29
16,09
93,19
11,74
1,24,17
1,35,91
4,66,44
4,66,44
86,39
86,39
KfW-NB-Indo German Watershed Development Programme Phase III - Maharashtra (Refer Note B-10 & B-11 of Schedule 18)
2,32
18,79,53
4,81
18,86,67
Indo German Watershed Development Programme Andhra Pradesh (Refer Note B-10 & B-11 of Schedule 18)
73
7,86,68
25
7,87,67
Indo German Watershed Development Programme Gujarat (Refer Note B-10 & B-11 of Schedule 18)
15
5,53,18
2,94
5,56,25
10
Indo German Watershed Development Programme Rajasthan (Refer Note B-10 & B-11 of Schedule 18)
3,23,66
67
3,24,33
11
9,20,51
2,73,36
2,16,46
9,77,42
12
6,60
6,60
13
1,00
1,00
14
1,79
1,79
15
2,66
2,94,83
2,97,49
16
58,00
76,86
36,56
98,31
17
39,21
51,40
63,50
27,11
18
-1,09,74
1,56,48
46,74
B.
19,18,67
11,35,46
26,63,82
3,90,32
9,66
9,66
4,37,96
1,65,03
6,02,99
6,23
4,89,64
4,95,87
39,38,94
121,00,00
148,68,54
11,70,39
2,63,15
2,63,15
182,89,03
2,39,65
34,78,22
150,50,47
26,61
1,68
26,60
1,69
99,46
1,71,40
6,19
99,46
1,77,59
10
6,22
1,50,00
1,08,52
47,71
11
14,22,55
10,58,00
17,74,18
7,06,37
12
3,44,55
4,00,00
7,14,53
30,02
112
Particulars
13
14
15
16
Opening
Balance as on
01.04.2011
Grant received
during
the year
Interest
Credited to
the fund
Adjusted
against the
expenditure
Balance
as on
31.03.2012
89,93
-89,93
39,35
17,38
21,96
12,27,65
-5,00,36
17,28,00
5,61,71
3,79,11
1,82,60
5,00,00
4,14,73
85,27
20,65,63
149,25,88
166,79,31
3,12,19
5,97,03
2,28,12
8,25,15
17
18
19
20
2,16
48,73
50,90
21
54,47
54,47
22
Multi Activity Approach for Poverty Alleviation Sultanpur, Uttar Pradesh (Refer Note B-10 of Schedule 18)
51,14
3,36
54,49
1,37,01
2,86
1,25,93
13,95
23
Multi Activity Approach for Poverty Alleviation BAIF - Rae Bareli, Uttar Pradesh(Refer Note B-10 of Schedule 18)
24
25
26
27
28
29
30
31
32
33
C.
Scheme for providing Financial Assistance to Sugar Undertakings 2007 (SEFASU - 2007)
Technical Assistance
5
E
1,58
6,37,00
5,81,75
56,83
10,45,52
110,00,00
100,75,18
19,70,34
1,92,00
1,92,00
41,69,88
31,39,19
29,60,00
46,80,00
19,29,30
46,80,00
9,92
9,92
1,59,61
6,00,00
5,69,82
1,89,79
1256,04,04
1232,17,58
23,86,46
419,85,25
35,69,00
263,64,41
191,89,84
100,00,00
100,00,00
19,64
30,00,00
30,08,33
11,31
134,82,85
134,37,52
45,33
10,49,15
10,49,15
340,64,24
88,78
341,53,03
13,90,73
13,30,17
60,57
9,10,27
1,59,00
10,68,71
56
Implementation Cost
18,82,00
15,21,22
34,15,83
-12,62
20,00,00
20,00,00
5,00,00
66,58
4,33,42
5,00,00
5,10
4,94,90
Total
2601,89,22
760,55,08
32,48
2704,84,58
657,92,20
Previous year
4706,76,57
2988,77,26
69,91
5094,34,52
2601,89,22
113
Opening
Additions/
Balance as on
Adjustments
01.04.2011 during the year
Transferred
from P & L
Appropriation
Interest
Credited
Expenditure/
Disb.during
the year
Transferred to
P&L
Appropriation
Balance
as on
31.03.2012
1897,68,75
109,46,03
201,12,19
1806,02,59
139,11,97
8,34,03
18,07,11
10,61,32
118,77,57
157,69,73
12,56,28
170,26,01
10,00
10,00
5,30,31
32,86
5,63,12
1054,50,93
1003,84,89
157,11,49
1901,24,33
53,10,64
16,27,02
3,44,96
18,89,93
53,92,69
22,95,08
60,07,76
45,00,00
52,36
128,39,26
15,94
101,00,00
44,56,36
44,56,36
101,00,00
Total
3431,47,41
1093,08,81
89,56,36
121,77,38
568,16,39
10,61,32
4157,12,25
Previous year
2735,06,35
930,89,69
43,55,54
101,05,25
366,67,55
12,41,88
3431,47,41
8
9
Schedule 6 - Deposits
(` in thousands)
Sr. Particulars
No.
As on
31.03.2012
As on
31.03.2011
Central Government
State Governments
Others
284,04,01
228,29,61
7,00,00
48,46,15
75106,71,22
67877,63,52
20000,00,00
14622,28,25
95397,75,23
82776,67,53
Total
SLR Bonds
114
As on
31.03.2012
As on
31.03.2011
98,99,70
33577,90,00
21682,50,00
6,77,20
7,52,70
4975,19,52
4975,19,52
23,99,57
23,99,57
38583,86,29
26788,21,49
Schedule 8 - Borrowings
Sr. Particulars
No.
(` in thousands)
As on
31.03.2012
As on
31.03.2011
Central Government
84,80,09
123,97,71
32,82,00
Others :
1281,00,69
2245,26,97
181,81,00
0
136,86,14
6447,64,81
110,16,00
360,00,00
502,77,65
502,64,44
4328,48,40
7681,29,10
(A) In India
(i) Certificate of Deposits
(ii) Commercial Paper
(iii) Term Money Borrowings
(iv) Borrowing against STD
(B) Outside India
(i) International Agencies
Total
(` in thousands)
Sr. Particulars
No.
As on
31.03.2012
As on
31.03.2011
4905,56,26
3527,97,31
Sundry Creditors
370,76,97
401,73,28
1,15,23
93,89
2,27,06
1,45,00
17,44,81
245,62,63
934,44,01
Provision for Encashment of Ordinary Leave (Refer Note B-21 of Schedule 18)
15,89,20
5,07,12
2,01,28
3,90,27
71
41,96
10
8,32,11
5,48,20
11
5,82,48
20,06,38
12
44
50
13
30,62,12
673,31,00
3,19,22
25,51,00
51,37,00
0
594,57,00
3,36,93
25,51,00
0
Total
3,72,14
3,72,14
6345,16,85
5546,09,80
115
(` in thousands)
As on
31.03.2012
9
As on
31.03.2011
7
1168,79,91
38,85,26
379,62,31
6765,00,00
2,54
230,92,53
0
801,32,40
9002,46,14
694,44,37
228,18,56
0
8544,37,38
10765,26,80
Schedule 11-Investment
(` in thousands)
Sr.
No.
Particulars
As on
31.03.2012
As on
31.03.2011
Government Securities
2146,81,84
2548,31,03
58,28,37
1,00,00
1,00,00
48,00,00
48,00,00
60,00,00
60,00,00
1,25,00
1,25,00
16,87,50
16,87,50
16,00,00
1,21,83
1,21,83
12343,53,09
13461,16,56
375,01,62
225,00,00
36,36,82
18,80,00
5,00,00
5,00,00
1036,60,64
1861,99,91
` 42,60,305
` 25,73,280
` 43,94,625
` 9,54,960
` 25,96,82,000
` 5,20,00,000
` 5,20,00,000
Others
2037,93,74
680,42,26
390,11,34
2,07,59
37,50
5,85,45
4,98,00
4,98,35
5,00,00
116
13,00,88
18209,82,72
19329,50,93
Schedule 12 - Advances
Sr.
Particulars
No.
Refinance Loans
a)
Production & Marketing Credit
b)
Conversion Loans for Production Credit
c)
Other Investment Credit :
i) Medium Term and Long Term Project Loans (Refer Note B-16 of Schedule 18)
ii) Interim Finance
iii) Direct refinance to DCCBs
iv) Loans out of RIDF warehousing infrastructure
v) JNN Solar Mission
Direct Loans
a)
Loans under Rural Infrastructure Development Fund
b)
Long Term Non-Project Loans
c)
Loans under NABARD Infrastructure Development Assistance (NIDA)
d)
Loans under Producers Organization Development Fund (PODF)
e)
Other Loans out of:
i) Co-operative Development Fund
ii) Micro Finance Development Equity Fund
iii) Watershed Development Fund
iv) Tribal Development Fund
v) KfW UPNRM Fund
vi) Farm Innovation & Promotion Fund
vii) NFS Promotional Activities Fund
viii) Farmers Technology Transfer Fund
f)
Co-Finance Loans (Net of provision)
Total
As on
31.03.2012
(` in thousands)
As on
31.03.2011
48337,74,51
128,81,10
33884,82,33
193,21,67
30761,75,91
1,60,00
910,34,00
759,09,58
30,32,29
25435,26,23
0
0
0
0
70860,30,56
140,06,20
422,90,33
7,41,32
66077,96,22
167,20,61
0
0
2,61,43
72,91,49
36,25,01
7,02,99
71,22,51
32,39
2,85,94
2,17
72,35,50
152625,95,23
3,11,68
89,23,20
32,09,56
3,47,16
53,11,82
40,75
50,00
0
87,58,72
126027,99,95
117
As on
31.03.2012
(` in thousands)
As on
31.03.2011
148,08,29
-51,23
147,57,06
42,04,17
105,52,89
146,12,13
1,96,16
148,08,29
40,59,65
107,48,64
263,42,46
2,41,99
265,84,45
164,28,77
101,55,68
259,08,11
4,34,35
263,42,46
156,33,58
107,08,88
58,54,15
9,24
58,63,39
33,15
58,30,24
56,54,82
1,75,42
57,24,47
1,43,23
58,67,70
13,56
58,54,15
55,77,96
2,76,19
72,99,45
11,72,44
84,71,89
2,10,14
82,61,75
70,07,77
12,53,98
68,22,68
8,85,36
77,08,04
4,08,59
72,99,45
62,68,28
10,31,17
4,43,30
4,44,55
8,87,85
2,57,52
6,30,33
2,62,68
3,67,65
4,39,48
1,63,09
6,02,57
1,59,27
4,43,30
2,59,55
1,83,75
225,05,62
229,48,63
Particulars
Accrued Interest
Deposits with Landlords
Deposits with Government Departments and Other Institutions
Housing loan to staff
Other Advances to staff
Advances to Landlords
Capital Work in Progress [Purchase of Staff Quarters & Office Premises]
Sundry Advances
Advance Tax (Net of Provision for Income Tax)
Deferred Tax Assets (Refer Note B-13 of Schedule 18)
Expenditure recoverable from Government of India/International Agencies
Discount Receivable
As on
31.03.2012
1804,09,10
1,39,26
3,15,19
164,74,61
77,03,84
3,27
70,75,72
51,49,02
102,55,89
71,15,00
28,75,78
94,82,93
As on
31.03.2011
1815,75,35
1,48,04
2,97,86
140,22,37
65,08,79
1,03
51,48,84
38,58,47
130,80,93
233,15,00
5,35,57
35,07,89
Total
2469,99,61
2520,00,14
2
3
4
(` in thousands)
2011-12
2010-11
Interest Paid on
a)
Deposits under RIDF
b)
Short Term Cooperative Rural Credit Fund
c)
Term Deposits
d)
Tea / Coffee / Rubber Deposits
e)
CBS Deposits
f)
Deposits / Borrowings
g)
Loans from Central Government
h)
Bonds (Refer Note B-5 of Schedule 18)
i)
Commercial Paper (Refer Note B-5 of Schedule 18)
j)
Term Money Borrowings
k)
Borrowing against ST Deposit
l)
Discount Cost Paid on Certificate of Deposits
m)
Corporate Borrowings from Banks and FIs in India
n)
Borrowings from International Agencies
o)
Watershed Development Fund
p)
Micro Finance Development and Equity Fund
q)
Rural Innovation Fund
r)
Financial Inclusion Fund
s)
Financial Inclusion Technology Fund
t)
Indo German Watershed Development Programme - Andhra Pradesh
u)
Indo German Watershed Development Programme - Rajasthan
v)
Indo German Watershed Development Programme - Gujarat
w)
KfW UPNRM - Accompanying measures
x)
KfW - NB Indo German Watershed Development Programme - Phase III - Maharashtra
y)
KfW - NB - IX Adivasi Development Programme
z)
KFW NB V - Adivasi Project
aa) Commitment Charges -KfW UPNRM Borrowings
ab) Livelihood Advancement Business School RF Project - Sultanpur, Uttar Pradesh
ac) Livelihood Advancement Business School RF Project - Rae Bareli, Uttar Pradesh
ad) Multi Activity Approach for Poverty Alleviation BAIF Project - Sultanpur, Uttar Pradesh
ae) Multi Activity Approach for Poverty Alleviation BAIF Project -Rae Bareli, Uttar Pradesh
af)
Cattle Development Programme (UP & Bihar)
Discount on Collateralised Borrowing and Lending Obligations
Discount, Brokerage, Commission & issue exp. on Bonds and Securities
Swap Charges
4078,35,01
376,74,20
2,68,39
16,84,86
50,39
0
7,27,66
2420,01,48
372,08,50
14,74,67
2,65,85
37,53,31
0
20,85,03
109,46,03
8,34,03
4,66,84
3,44,96
52,36
25
67
2,94
1,00
4,81
8,72
5,81,92
6,84
0
0
3,36
2,86
7,86
40,71,13
6,63,94
3,72,10
3714,32,70
259,76,37
22,78,08
10,86,63
0
3
10,21,19
1680,25,58
247,82,46
21,06,65
31,11,00
6,29,72
21,35,58
22,58,86
81,25,55
11,29,46
4,14,13
4,15,86
4,34,39
71
1,78
53
1,07
5,80
18,84
0
20,74
2,08
5,62
4,14
11,08
18,26
26,59,91
5,78,80
6,93,25
Total
7534,01,97
6193,86,85
118
Particulars
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
Total
2011-12
2010-11
442,63,36
345,27,10
27,18,08
586,57,40
327,61,90
22,96,15
21,67
1,36
21,81,60
29,03,51
3,20,71
8,73,17
8,51,53
9,46
28,55
42,25,15
5,84,70
13,35
1,08
20,82,98
24,49,56
2,81,21
8,48,85
6,55,87
8,06
17,86
40,77,59
44,37
39,24,95
33,46,06
5,35,40
10,61,32
0
2,73,85
30,24,32
3,81,02
6,05,32
11,40,75
1,01,14
2,39,20
27,52,58
2,28,60
1027,10,81
1126,09,88
Schedule 16 B - Provisions
(` in thousands)
Sr.
No.
1
2
3
3a
4
5
6
7
8
Particulars
2011-12
2010-11
Provisions for :
Amortisation of G. Sec
Standard Assets (Refer Note 29.6 of Schedule 18)
Non Performing Assets
Non Performing Assets - Staff
Nabard General Advices
Depreciation in Investments G.Sec
Depreciation in Value of Investment Account - Equity
Sacrifice in interest element of restructured Accounts
Other Assets / Receivable
0
78,74,00
14,80,00
7,23
0
0
-80,00
51,37,00
0
0
0
32,86,00
4,00
-53,24
0
-5,08
-8,00
3,36,66
144,18,23
35,60,34
Total
Schedule 17 - Commitments and Contingent Liabilities
(` in thousands)
Sr.
No.
1
2
(i)
(ii)
Particulars
As on
31.03.2012
As on
31.03.2011
229,32,01
229,32,01
37,81,29
37,81,29
23,93
0
23,93
0
0
0
Total (A + B)
229,55,94
37,81,29
119
Schedule 18
AND
OF
ACCOUNTS
A.
3.
1.
Basis of Preparation
3.1
Fixed assets are stated at cost of acquisition, less
accumulated depreciation and impairment losses, if any. The
cost of assets includes taxes, duties, freight and other
incidental expenses related to the acquisition and installation
of the respective assets. Subsequent expenditure incurred
on existing asset is capitalized, only when it increases the
future benefit from the existing assets beyond its previously
assessed level of performance.
1.1
The accounts are prepared on the historical cost
convention and comply with all material aspects contained
in the National Bank for Agriculture and Rural Development
Act, 1981 and Regulations thereof, applicable Accounting
Standards (AS) issued by the Institute of Chartered
Accountants of India (ICAI) and regulatory norms prescribed
by the Reserve Bank of India (RBI). Except otherwise
mentioned, the accounting policies have been consistently
applied by the National Bank for Agriculture and Rural
Development (NABARD / the Bank) and are consistent with
those used in the previous year.
3.2
3.4
Depreciation on premises situated on free hold land
is charged at 10% p.a., on written down value basis.
3.5
Depreciation on leasehold land and premises
situated thereon is computed and charged at 5% on written
down value basis or the amount derived by amortising the
premium/cost over the remaining period of lease hold land,
on straight-line basis, whichever is higher.
3.6
The Bank has revised the Capitalisation Policy with
effect from 01 April 2011. As per the revised policy, Fixed
Assets costing ` 1 lakh and less (except easily portable
electronic assets such as laptops, mobile phones, etc. costing
more than ` 10,000/-) are charged to the Profit & Loss
Account in the year of acquisition. The valuable but easily
portable electronic assets such as laptops, mobile phones,
etc., shall be capitalised, if individual cost of the items is
more than `10,000/-. All software costing above ` 1 lakh
each, whether purchased independently or with hardware
and operating system software, is capitalised.
2.1
Income and expenditure are accounted on accrual
basis, except the following, which are accounted on cash
basis:
a.
b.
c.
d.
3.3
Premises include value of land, where segregated
values are not readily available.
1.2
Preparation of financial statements as per Generally
Accepted Accounting Practices (GAAP) requires the
management to make several assumptions and estimates
that affect reported results and the reported state of affairs
of the Bank; the example of such cases include the estimated
life of fixed assets, liability on account of employee retirement
benefits, provision for anticipated losses, etc. Actual results
could differ from such estimates. Such differences are
recognized in the year of outcome of such results.
2.
3.7
Depreciation on other fixed assets is charged over
the estimated useful life of the assets ascertained by the
management at the following rates on Straight Line Method
basis:
Type of Assets
2.2
Issue expenses relating to floatation of bonds are
recognised as expenditure in the year of issue of Bonds.
2.3
Dividend on investments is accounted for, when
the right to receive the dividend is established.
Vehicles
120
Depreciation Rate
w e f 01 April 2011
20%
33.33%
20%
20%
5.9
Brokerage, commission, etc. paid at the time of
acquisition, are charged to revenue.
4.
5.10
Broken period interest on debt investment is treated
as a revenue item.
5.
5.11
Transfer of a security between the categories is
accounted for, at lower of the acquisition cost/book value/
market value on the date of transfer and depreciation, if
any, on such transfer, is fully provided for.
Investments
5.1
In accordance with the RBI guidelines, Investments
are classified into Held for Trading (HFT), Available for
Sale (AFS) and Held to Maturity (HTM) categories
(hereinafter called categories).
6.
6.1
Advances are classified as per RBI guidelines.
Provision for standard assets and nonperforming assets is
made in respect of identified advances, based on a periodic
review and in conformity with the provisioning norms
prescribed by RBI.
5.2
Securities that are held principally for resale within
90 days from the date of purchase are classified as HFT.
Investments that the Bank intends to hold till maturity are
classified as HTM. Securities which are not to be classified
in the above categories are classified as AFS.
6.2
In case of restructuring/rescheduling of advances,
the difference between the present value of future interest
as per the original agreement and the present value of future
interest as per the revised agreement is provided for.
5.3
Investments categorized under HTM are carried
at cost and provision for depreciation/diminution/
amortisation, if any, in value of investments, is included
under Current Liabilities and Provisions.
6.3
Advances are stated net of provisions towards Nonperforming Advances.
5.4
Provision for diminution, other than temporary, in
the value of investments in subsidiaries under the category
HTM is made, wherever necessary.
7.
7.1
Foreign currency borrowings are covered by
hedging agreements and are marked to market at every
reporting date, the resultant gain, if any, is ignored and loss,
if any, is provided for. The liability towards foreign currency
borrowings at the prevailing exchange rate on the reporting
date is mentioned under the Balance sheet, as a contra entry.
5.5
Profit on sale of investment categorized under
HTM is recognized in Profit & Loss A/c and then
transferred to Capital Reserve A/c. Loss on sale of
investment categorized under HTM is recognized in Profit
& Loss A/c.
7.2
Profit on cancellation of or renewal of currency
SWAP agreement, if any, is accounted for, on the final
settlement of agreement; however, loss on such transactions
is provided at the market rates, as on the date of Balance
Sheet.
5.6
Investments under AFS and HFT are marked
to market, scrip-wise, at the rate, declared by Primary Dealers
Association of India (PDAI), jointly with Fixed Income Money
Market and Derivative Association of India (FIMMDA), at
prescribed intervals. While only net depreciation, if any, is
provided for investments in the category classified as AFS,
depreciation / appreciation is recognised in the category for
investments classified as HFT.
5.7
8.
Retirement Benefits
8.1
The Bank has a Provident Fund Scheme managed
by RBI. Contribution to the Fund is made on actual basis.
8.2
Provision for gratuity is made based on actuarial
valuation, in respect of all employees including employees
transferred from RBI. The amount of gratuity due from RBI,
in respect of employees transferred from RBI, is accounted
on cash basis.
5.8
Unquoted Shares are valued at breakup value, if
the latest Audited Accounts of the investee companies is
available, or at ` 1/- per share as per RBI guideline.
121
8.3
Employers contribution to Provident Fund relating
to the pension optees (part of Pension Fund) is maintained
with RBI.
11.
Impairment of Assets
8.4
Provision for Encashment of Ordinary Leave is
made on the basis of actuarial valuation.
11.1
As at each Balance Sheet date, the carrying amount
of assets is tested for impairment so as to determine:
9.
a)
b)
Taxes on Income
9.1
Tax on income for the current period is determined
on the basis of taxable income and tax credits computed, in
accordance with the provisions of Income Tax Act, 1961
and based on expected outcome of assessments/appeals.
11.2
Impairment loss is recognized when the carrying
amount of an asset exceeds recoverable amount.
9.2
Deferred tax is recognized, on timing difference,
being the difference between taxable income and accounting
income for the year and quantified, using the tax rates and
laws that have been enacted or substantively enacted, as
on Balance Sheet date.
12
12.1
Provisions are recognised for liabilities that can be
measured only by using substantial degree of estimation if:
9.3
Deferred tax assets relating to unabsorbed
depreciation/business losses are recognised and carried
forward to the extent that there is virtual certainty that
sufficient future taxable income will be available against
which, such deferred tax assets can be realized.
9.4
Other deferred tax assets are recognised and carried
forward to the extent that there is a reasonable certainty
that sufficient future taxable income will be available against
which, such deferred tax assets can be realized.
a)
b)
c)
12.2
Reimbursement, expected in respect of expenditure,
which require a provision, is recognised only when it is
virtually certain that the reimbursement will be received.
12.3
9.5
Provision for Wealth Tax is made, in accordance
with the provisions of Wealth Tax Act, 1956.
10.
a)
b)
c)
Segment Reporting
10.1
Segment revenue includes interest and other
income directly identifiable with / allocable to the segment.
10.2
Expenses that are directly identifiable with/allocable
to segments are considered for determining the segment
result. The expenses, which relate to the Bank as a whole
and not allocable to segments, are included under Other
Unallocable Expenditure.
12.4
Contingent assets are neither recognized, nor
disclosed.
12.5
Provisions, contingent liabilities and contingent
assets are reviewed at each Balance Sheet date.
10.3
Income, which relates to Bank as a whole and not
allocable to segments is included under Other unallocable
bank income.
12.6
Change in accounting policy: There was a change
in accounting policy during the year in case of capitalization
of fixed assets. The details are indicated in para 3.6 and 3.7
of part-A of this schedule
10.4
Segment assets and liabilities include those directly
identifiable with the respective segments. Unallocable assets
122
B.
NOTES
ACCOUNTS
(` in crore)
1.
In terms of TAWA Command Area Development
Project Agreement, the Interest Differential Fund is to be
utilized for certain specified purposes.
Particulars
2.
In accordance with the Memorandum of
Understanding entered into with the Swiss Agency for
Development Cooperation, repayment of loan, service
charges and other receipts made out of Rural Innovation
Fund (RIF) are being credited to the Rural Promotion Fund
(RPF).
Face Value
Book Value
35.00
(55.00)
34.08
(54.81)
2071.00
(2257.00)
2044.06
(2208.63)
10
Interest at the rate of 6.00% (6.00%) per annum
on unutilised balances of RIF, Watershed Development Fund,
KfW NB IGWDP(Andhra Pradesh, Gujarat, Maharashtra
and Rajasthan) and KfW NB IX Adivasi Development
Programme has been credited to respective funds based on
respective agreements. Further, interest at the rate of 6.57%
(8.80%) per annum on unutilised balances of Micro Finance
Development and Equity Fund, Cattle Development
Programme (Uttar Pradesh & Bihar), and Multi Activity
Approach for Poverty Alleviation (MAPA) BAIF (Sultanpur
and Rae Bareli), Financial Inclusion Fund and Financial
Inclusion Technology Fund has been credited to the
respective funds. The said interest is calculated based on
the mid-month average outstanding of the respective funds.
3.
In terms of the agreement with KfW, accretion/
income and certain expenditure under UPNRM have been
charged to the fund. The loans granted out of the fund have
been adjusted with direct loans.
4.
Income under the head Income from Investment
Operations / Deposits includes Discount and Commission.
5.
Subvention received/receivable from GOI
amounting to ` 1475.52 crore (` 989.34crore), being the
difference between the cost of borrowing by NABARD and
the refinance rate, has been reduced from interest and
financial charges and shown as accrued interest.
11.
The expenditure recoverable from Government of
India / international agencies as per Schedule-14 of balance
sheet amounting to ` 28.76 crore includes debit balance of
various funds viz. IGWDP Maharashtra (` 7.25 crore),
IGWDP Gujarat (` 0.88 crore), IGWDP Rajasthan (` 2.96
crore), IGWDP Andhra Pradesh (` 5.85 crore), IFAD
Priyadarshini (` 1.72 crore), Revival Reform Restructuring
of Handloom package (` 10.00 crore), NE council fund for
miscellaneous training (` 0.10 crore) which were shown as
debit balances in Schedule-4 in the respective funds in the
previous year.
6.
Other receipts includes ` 78.49 crore (` 54.49 crore)
received/receivable from GoI towards administration charges
on providing refinance under interest subvention scheme
to SCBs and RRBs, for financing Seasonal Agricultural
Operations.
7.
Government of India advised the bank that the
short term loans extended by the Long Term Co-operative
Credit Structure (LTCCS) are not covered under the interest
subvention scheme. Accordingly, the bank had refunded a
sum of ` 11.80 crore to the Central Government in May,
2012. As this amount has been identified for refund at the
time of audit, the same has been fully provided for, while
accounting the results for the financial year 2011-12.
12.
The Provision for Pension is made after considering
the employers contribution to PF maintained with RBI as
per the records available with the Bank as on 31 March 2012.
8.
An amount of ` 4.29 crore chargeable as penal
interest on account of default in repayment by MPSCARDB
has been waived during the year.
13.
The Bank, during the year, in accordance with AS
22 Accounting for taxes on Income, recognized in the Profit
and Loss account the difference of ` 162.00 crore between
net deferred tax assets of ` 71.15 crore and ` 233.15 crore
as at 31 March 2012 and 31 March 2011 respectively, as
detailed below:
9.
Investments in Government securities include the
following securities pledged with Clearing Corporation of
India Limited as collateral security for Business segments:
123
(` in crore)
Sr. Deferred Tax Assets
No.
31 March
2012
31 March
2011
49.65
181.18
21.50
21.77
Amortisation of G Sec
0.00
30.20
71.15
233.15
Total
c)
d)
17.
The bank with effect from 2 September 2011, has
decided to provide financial support to SCARDBs in the
form of refinance loans, instead of subscribing to the Special
Development Debentures floated by them.
14.
Provision for Deferred Tax on account of Special
Reserve created u/s 36(1)(viii) of the Income Tax Act, 1961,
is not considered necessary, as the Bank has decided not to
withdraw the said reserve.
18.
The tax liability of the bank for the Assessment Year
2002-03 amounting to ` 373.15 crore was assessed by the
Income Tax department and fully paid by the bank. However,
the bank has filed an appeal against the taxability of
NABARD for the AY 2002-03 with Income Tax Appellate
Tribunal.
15.
Land and Premises include ` 34.77 crore
(` 29.88 crore) paid towards Office Premises and Staff
Quarters for which conveyance is yet to be completed.
16.
Pursuant to the directives of RBI, the project loans
provided to SCARDBs by way of subscription to the Special
Development Debentures (SDDs) floated by these agencies,
are treated as under:
a)
b)
19.
The net impact due to change in accounting policy
as per para 12.6 of part-A of the schedule was as under:
19.1
Net Effect on Revenue A/c due to change in
Capitalisation Policy
(` in crore)
Computer
F&F
Other CIOE
Software
0.97
0.19
0.35
5.61
2.92
0.93
1.73
1.87
1.95
0.74
1.38
-3.74
Total
7.12
7.45
0.33
19.2
Net Effect in
Revenue A/c due
to change in Policy
21.
Disclosure required under AS 15
(Revised) on Employee Benefits is as under:
21.1
20.
The salaries and allowances for the year amounting
to ` 442.63 crore was arrived at after deduction of excess
provision of ` 5.33 crore towards salary arrears.
124
a.
Particulars
Present value of defined benefit obligation at
the beginning of year
Current Service Cost
Pension
Gratuity
Leave
Encashment
1223.03 (958.76)
242.57 (221.20)
144.88 (117.63)
33.42
(22.76)
17.53
(16.90)
3.77
(6.54)
Interest Cost
100.90
(79.10)
20.01
(18.25)
11.95
(9.70)
283.32 (207.42)
-8.61
(8.16)
4.42
(17.67)
Benefits paid
-83.80
(-45.01)
-31.82 (-21.94)
-11.99
(-6.66)
1556.87 (1223.03)
239.68 (242.57)
153.03 (144.88)
Particulars
Pension
(Partly Funded)
Gratuity
(funded)
1556.87 (1223.03)
239.68 (242.57)
153.03 (144.88)
1311.25 (288.11) @
260.82 (227.85)
137.14 (143.66) $
245.63 (934.92)
Leave Encashment
(Funded)
-21.14* (14.72)
15.89
(1.22)
@ Includes the Banks contribution of ` 363.79 crore (` 288.11 crore) towards PF for pension optees available with RBI.
$ Represents the amount invested with Insurance companies towards the liability for Leave
Encashment.
Expenses recognized in the Profit and Loss Account during the year:
(` in crore)
Particulars
Pension
Gratuity
Leave
Encashment
33.42 (22.76)
17.53 (16.90)
3.77
Interest Cost
100.90 (79.10)
20.01 (18.25)
11.95
220.54 (172.83)
-8.65
-37.10
d.
(6.54)
(9.70)
(8.16)
12.12 (17.67)
(0.00)
-21.62 (-16.92)
-13.17 (-12.26)
317.76 (274.69)
7.27 (26.39)
14.67 (21.65)
Actuarial assumptions:
Particulars
Pension
Gratuity
Leave
Encashment
1994-96 (Ultimate)
199496 (Ultimate)
199496 (Ultimate)
8.75% (8.25%)
8.75% (8.25%)
8.75% (8.25%)
5.50% (4.00%)
5.50% (7.00%)
5.50% (7.00%)
Withdrawal rate
1.00% (1.00%)
1.00% (1.00%)
1.00% (1.00%)
125
23.
In the opinion of the Banks management, there is
no impairment to assets to which AS 28 Impairment of
Assets applies requiring any provision.
21.2
The estimates of rate of escalation in salary
considered in actuarial valuation, take into account inflation,
seniority, promotion and other relevant factors including
supply and demand in the employment market.
24.
The movement in Contingent Liability as required
in AS 29 Provisions, Contingent Liabilities and Contingent
Assets is as under:
21.3
The aforesaid liabilities include liabilities of
employees deputed to subsidiaries.
21.4 The above information is certified by the actuary and
the provision for pension is recognized in the profit and loss
account after considering the outstanding balance of the
Banks contribution to the Provident Fund of pension optees.
(` in crore)
Particulars
21.5
The income of ` 22.78 crore recognized during the
year 2011-12 on investments earmarked towards leave
encashment includes the overall impact for the financial years
2010-11 and 2011-12.
21.6
2010-11
Opening Balance
0.00
3.37
0.24
0.00
0.00
3.37
Closing Balance
0.24
0.00
25.
Prior period items included in the Profit and Loss
account are as follows:
(` in crore)
Sr. Particulars
No.
1
2.
22.
During the year 2011-12 the bank has created
NABARD Pension Fund Trust and transferred a sum of
` 934.44 crore being the provisions for pension held in the
books of the bank as on 31 March 2011 to the Trust.
27.
2011-12
2011-12
2010-11
Depreciation
Revenue Expenditure
0.00
5.27
2.895
0.00
Total
5.27
2.895
As at 31 March 2012
As at 31 March 2011
No. of
units
Book
Value
Market
Value
No. of
units
Book
Value
Market
Value
Kotak Mahindra
ICICI Prudential
Canara Robeco
IDFC
UTIMoney Market
Tata
DWS
SBI
IDBI
Peerless
Taurus
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
31178095.5170
2069242.3680
25172008.7263
25159975.5110
310661.2930
276239.8430
2356602.6900
19254837.7780
285224.8670
28065186.0720
284381.6460
50.01
30.01
30.01
30.01
50.01
50.01
30.01
30.01
30.01
30.01
30.01
50.01
30.01
30.01
30.01
50.01
50.01
30.01
30.01
30.01
30.01
30.01
Total
390.11
390.11
126
28.
As per the information available with the Bank,
there are no dues payable under Micro, Small and Medium
Enterprises Development Act 2006.
(a)
Particulars
29.
The following additional information is disclosed
in terms of RBI circular No.RBI/201112/68
DBOD.No.FID.FIC.2/01.02.00/201112 dated 01 July
2011.
29.1
Capital
(a)
0.02136
Asset classification
(` in crore)
31 March
2011
CRAR
20.55
21.76
Core CRAR
19.42
20.43
1.13
1.33
(b)
0.02249
31 March
2012
Supplementary CRAR
31 March
2011
2011-12
(Percent)
Particulars
31 March
2012
Classification
Standard
Subordinated Debt
Amount
2010-11
(%)
165174.11
Amount
(%)
Sub-standard
22.19
0.013
0.00
0.000
Doubtful
68.21
0.041
68.13
0.049
Loss
1.02
0.001
1.02
0.001
Total
165265.53
100.000
139528.56 100.000
(` in crore)
Particulars
31 March 2012
Amount of subordinated
debt raised and outstanding
Nil
as Tier II Capital
(c)
31 March 2011
Nil
Provisions against
Particulars
80736.44
63515.55
19.44
20.30
(d)
31 March 2012
0.67%
20.00
1.00%
99.33%
1,980.00
99.00%
Total
Standard Assets
78.74
0.00
14.87
32.90
Investments (Net)
30.44
1.93
Income Tax
455.00
460.00
Total
579.05
494.83
Particulars
(A) Net NPAs as at
beginning of the year
(B) Add: Additions during the year
(C) Sub-total (A+B)
(D) Less: Reductions during the year
31 March 2011
20.00
2010-11
(d)
2011-12
2011-12
2010-11
29.83
32.72
7.32
19.44
37.15
52.16
0.00
22.33
37.15
29.83
Note: Net NPA includes ` 0.07 crore (` 0.04 crore) relating to staff
advances.
127
(e)
Category
2011-12
Credit Exposure as % to
2010-11
Credit Exposure as % to
Capital Funds
Total Assets
Capital Funds
Total Assets
91.60
8.35
128.67
11.08
Not Applicable
331.83
Not Applicable
30.24
378.64
Not Applicable
32.59
Not Applicable
(f)
Credit exposure to the five largest industrial sectors as percentage to total loan assets: Not Applicable
29.3
Liquidity
Maturity pattern of Rupee Assets and Liabilities and Maturity pattern of Foreign Currency Assets and Liabilities
(` in crore)
Sr. Item
No
1
2
3
4
Less than
or equal to
1 year
More than
1 year upto
3 years
More than
3 years upto
5 years
More than
5 years upto
7 years
More than
7 years
Total #
82177.97
(68088.65)
Foreign currency assets
0.00
(0.00)
Total Assets
82177.97
(68088.65)
Rupee Liabilities
29159.71
(36715.00)
Foreign currency liabilities
39.88
(39.92)
Total Liabilities
29199.59
(36754.92)
45084.24
(40360.96)
0.00
(0.00)
45084.24
(40360.96)
57562.03
(39438.72)
79.77
(79.75)
57641.80
(39518.47)
34177.67
(31910.59)
0.00
(0.00)
34177.67
(31910.59)
32583.53
(29124.49)
79.77
(79.74)
32663.30
(29204.23)
15242.53
(13478.17)
0.00
(0.00)
15242.53
(13478.17)
25013.99
(18524.70)
34.78
(64.82)
25048.77
(18589.52)
4660.17
(4410.44)
0.00
(0.00)
4660.17
(4410.44)
36520.54
(33943.27)
268.58
(238.42)
36789.12
(34181.69)
181342.58
(158248.82)
0.00
(0.00)
181342.58
(158248.82)
180839.80
(157746.17)
502.78
(502.64)
181342.58
(158248.81)
Rupee Assets
# Net of provision made as per RBI directives on Standard Assets as well as for diminution in value of Investments aggregating
to ` 732.63 (` 623.45 crore)
2011-12
2010-11
6.53
0.07
1.44
0.98
0.36
6.22
0.10
1.25
0.88
0.27
Particulars
Opening balance as at the beginning of financial year
Add: Provision made during the year
Less: Write off, write back of excess provision
Closing balance at the close of financial year
2011-12
39.39
14.87
0.00
54.26
128
(` in crore)
2010-11
32.00
23.73
16.34
39.39
(b)
A Opening balance as at
the beginning of the financial year
2011-12 2010-11
3.37
1.44
31.74
2.08
0.00
0.00
35.11
3.52
1.30
0.15
0.00
0.00
1.30
0.15
B Add
(i)
D Less
(i)
Closing balance as at
the close of financial year (C-D)
33.81
(` in crore)
Sr. Particulars
No.
3.37
1 Derivatives
(Notional Principal amount)
A) For Hedging
632.33
(592.10)
NA
NA
NA
a) Asset (+)
129.55
(89.45)
NA
b) Liability (-)
(0.00)
NA
109.41
NA
B) For Trading
2 Marked to Market Positions [1]
a) on hedging derivatives
8.70@
NA
NA
NA
a) on hedging
NA
NA
b) on trading
NA
NA
b) on trading derivatives
@ If MIBOR rate decrease by 100 bps across tenure MTM gain would be
reduced by ` 8.70 crore
29.13
Exposures where the FI had
exceeded prudential exposure limits during
the year: NIL (NIL)
29.14
1.
2.
3.
4.
Nature of
Relationship
Nature of
Transaction
Amount of
transaction
during the year
Outstanding
Shri U. C. Sarangi
Key Management
Personnel- Ex-Chairman
Remuneration
including perquisites
0.082
0.00
Key Management
Personnel- Ex-Chairman
Remuneration
including perquisites
0.020
0.00
Key Management
Personnel-Chairman
Remuneration
including perquisites
0.107
0.00
Remuneration
including perquisites
0.119
0.00
Dr. K G Karmakar
No amounts, in respect of the related parties have been written off/back, or provided for during the year.
Related party relationships have been identified by the management and relied upon by the auditors.
29.15
Sr.
No.
Issuer
(1)
(2)
PSUs
FIs
Banks
Private Corporate
Subsidiaries/Joint ventures
Total
Amount
Investment
made
through
private
placement
'Below
investment
grade'
Securities
held
'Unrated'
Securities
held
'Unlisted'
Securities
(3)
(4)
(5)
(6)
(7)
180.27
(80.34)
123.00
(123.00)
0.09
(0.00)
216.00
(150.00)
41.37
(23.80)
3100.47
(2262.47)
3.19
(3.37)
154.13
(79.13)
123.00
(123.00)
-
77.88
(79.13)
48.00
(48.00)
-
216.00
(150.00)
41.37
(23.80)
25.92
(10.35)
-
80.25
(19.13)
48.00
(0.00)
0.09
(0.00)
16.00
(0.00)
41.37
(23.80)
25.92
(10.35)
0.59
(0.00)
16.00
(0.00)
41.37
(23.80)
3100.47
(2262.47)
0.59
(3.37)
560.42
(386.28)
0.00
(0.00)
211.04
(53.28)
3283.13
(2410.03)
3658.01
(2636.24)
130
29.19
Sr. Sector
No
Concentration of Deposits
(` in Crore)
2011-12
Sector-wise NPAs
Percentage of NPAs
to Total Advances
in that sector
2011-12
2010-11
0.00
0.00
72.35
54.46
Services
0.00
0.00
0.06
0.02
2010-11
29.20
85859.17 73761.25
90.00%
89.00%
Particulars
2011-12
2010-11
69.19
50.73
25.70
Sub-total (A)
91.42
76.39
(i) Upgradations
0.00
5.40
0.00
1.84
(iii) Write-offs
0.00
0.00
0.00
7.24
91.42
69.19
(b)
Concentration of Advances
(` in Crore)
2011-12 2010-11
Less:-
86213.95 75077.75
52.24%
53.81%
Sub-total (B)
(c)
Concentration of Exposure
(` in Crore)
2011-12
Total Exposure to twenty largest
borrowers/ customers
Percentage of Exposure to twenty
largest borrowers/customers to
Total Exposure of the bank on
borrowers/customers
2010-11
87413.95 75077.75
50.88%
50.32%
Concentration of NPAs
(a)
(` in Crore)
2011-12
2010-11
57.40
50.71
Brief Background
131
ii)
(b)
Refinance
Treasury
Unallocated
Total
4,401.32
(4,085.61)
5,198.78
(4,086.49)
1,346.02
(943.24)
32.38
(86.68)
10978.50
(9,202.01)
246.37
(268.69)
1,638.63
(1,567.59)
1302.00
(912.21)
-935.03
(-924.63)
2251.97
(1,823.86)
71,728.35
(66,409.32)
94,696.77
(74,643.27)
13,226.02
(15,316.71)
2,424.07
(2,502.96)
1,82,075.21
(1,58,872.26)
76190.61
(68,908.87)
84520.54
(69,320.39)
291.17
(266.47)
21,072.89
(20,376.54)
1,82,075.21
(1,58,872.26)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
18.16
(18.22)
18.16
(18.22)
0.00
(0.00)
0.00
(0.00)
0.00
(0.00)
21.22
(22.58)
21.22
(22.58)
15.13
(32.90)
129.62
(-0.08)
-0.80
( -0.05)
129.34
(100.21)
273.29
(132.98)
Segment Revenue
Segment Results
Other Items:
(c)
Since the operations of the Bank are confined to India only there is no reportable secondary segment.
30.
31.
K. S. Padmanabhan
Chief General Manager
Accounts Department
Mumbai : 26 May 2012
H R Khan
Director
Dipankar Gupta
Director
132
M L Sharma
Director
(` in thousands)
2011-2012
2010-2011
2251,96,93
1823,86,02
21,22,00
-80,00
14,87,23
78,74,00
51,37,00
12,58
22,57,98
2,78,34
32,90,00
0
-8,00
4,64
139,38,43
0
-1346,02,32
-3283,28,78
-2072,42,94
118,36,63
0
-938,79,85
-5492,54,83
-4430,89,07
2133,68,93
799,07,04
-373,55,50
681,46,96
-25661,77,32
-24801,44,29
-426,74,97
-19035,55,28
-23158,52,90
-539,24,46
(A)
-25228,19,26
-23697,77,35
(B)
1346,02,33
-16,91,56
2,84,72
1331,95,49
943,23,85
-17,39,41
-2087,23,63
-1161,39,19
1848,88,70
11795,64,80
-3352,80,70
12621,07,70
1000,00,00
3925,65,16
6783,83,37
2503,49,41
12780,65,51
0
23912,80,50
25993,63,45
(C)
16,56,73
1762,80,65
1134,46,91
628,33,75
1779,37,38
1762,80,66
2011-2012
2010-2011
Cash in hand
Balance with Reserve Bank of India
Balances with other Banks in India
Remittances in Transit
Inter fund transfer
Collateralised Borrowing and Lending Obligations
9
1168,79,91
379,62,31
2,54
0
230,92,53
7
38,85,26
801,32,40
694,44,37
0
228,18,56
Total
1779,37,38
1762,80,66
Previous years figures have been regrouped/ rearranged to confirm to the current years presentation, wherever necessary.
As per our attached report of even date
P. Parikh & Associates
Chartered Accountants
FRN . 107564W
Ashok Rajagiri
Partner
M No.046070
Mumbai
Date : 26 May 2012
Prakash Bakshi
Chairman
K. S. Padmanabhan
Chief General Manager
Accounts Department
Mumbai : 26 May 2012
H R Khan
Director
Dipankar Gupta
Director
133
M L Sharma
Director
2011-2012
134
We have examined the attached Consolidated Balance Sheet of NATIONAL BANK FOR AGRICULTURE AND RURAL
DEVELOPMENT (the Bank) and its Subsidiaries as at March 31, 2012, the Consolidated Profit & Loss Account and the
Consolidated Cash Flow Statement for the year ended on that date annexed thereto. These financial statements are the
responsibility of the Banks management. Our responsibility is to express an opinion on these financial statements based on our
audit.
2.
We have conducted our audit in accordance with auditing standards generally accepted in India. Those standards require that
we plan and perform the audit to obtain reasonable assurance about whether the financial statements are prepared, in all
material respects, in accordance with an identified financial reporting framework and are free of material misstatement. An
audit also includes assessing the accounting principles used and significant estimates made by the management as well as
evaluating overall financial statements. We believe that our audit provides a reasonable basis of our opinion.
3.
We did not carry out the audit of financial statements of subsidiaries of the Bank. The total Assets and total Revenues in respect
of these subsidiaries are ` 353.65 crore and ` 46.90 crore respectively. The financial statements in respect of two subsidiaries
viz., Agri Development Finance (Tamil Nadu) Ltd. and NABARD Financial Services Ltd., being unaudited, any adjustments to
their balances could have consequential effects on the attached Consolidated Financial Statements, the impact of which is not
ascertained. These financial statements have been certified by the managements of the respective subsidiary companies and
have been furnished to us. In our opinion, in so far as it relates to the amounts included in respect of the Subsidiaries in
Consolidated Financial Statements is based solely on such management certified financial statements.
4.
We report that the Consolidated Financial Statements have been prepared by the Bank in accordance with the requirements of
Accounting Standard (AS) 21 Consolidated Financial Statements issued by the Institute of Chartered Accountants of India
and on the basis of the separate audited/certified financial statements of the Bank and its Subsidiaries included in the consolidated
financial statements.
5.
We report that on the basis of the information and explanations given and on the consideration given of separate audited/
certified financial statements of the Bank and its Subsidiaries and subject to our comment in Para 3 above, we are of the
opinion that the said consolidated financial statements give a true and fair view in conformity with the accounting principles
generally accepted in India.
i.
in the case of the Consolidated Balance Sheet, of the state of affairs of the Bank as at March 31, 2012;
ii. in the case of the Consolidated Profit and Loss Account of the consolidated results of operations of the Bank for the year
ended on that date; and
iii. in the case of the Consolidated Cash Flow Statement, of the consolidated cash flows of the Bank for the year ended on
that date.
Place: Mumbai
Date: May 26, 2012
135
As on 31.03.2012
As on 31.03.2011
3000,00,00
2000,00,00
13442,36,69
11888,71,64
16058,00,00
16045,00,00
139,20,78
138,89,56
657,95,94
2601,94,77
4157,17,24
3431,47,40
32,09,12
21,69,85
Deposits
95397,75,23
82776,67,53
38582,89,64
26787,24,84
Borrowings
4328,48,39
7681,29,09
6349,96,46
5605,55,85
182145,89,50
158978,50,53
8673,66,91
10881,89,37
18168,55,91
19305,80,92
152593,77,37
126031,30,66
Fixed Assets
225,83,24
229,99,83
Other Assets
2484,06,07
2529,49,75
182145,89,50
158978,50,53
Other Funds
Minority Interest
K. S. Padmanabhan
Chief General Manager
Accounts Department
Mumbai : 26 May 2012
H R Khan
Director
Dipankar Gupta
Director
136
M L Sharma
Director
2010-11
9516,42,24
8170,20,18
1354,73,85
946,91,62
139,32,23
107,08,08
11010,48,33
9224,19,88
7530,76,44
6194,38,06
1045,79,85
1135,57,54
21,34,47
22,67,16
145,20,03
35,79,92
TOTAL EXPENDITURE
8743,10,79
7388,42,68
Income:
Discount Received
Other Receipts
TOTAL INCOME
Expenditure:
Depreciation
Provisions
2267,37,54
1835,77,20
459,04,55
463,67,98
161,93,99
84,93,30
1646,39,00
1287,15,92
2,13,27
88,93
1644,25,73
1286,26,99
1644,25,73
1286,26,99
69,30,30
202,67,59
1713,56,03
1488,94,58
310,00,00
360,00,00
10,00,00
50,00,00
1,00,00
10,00,00
5,35,40
6,05,32
20,65,30
17,67,49
27,15,42
116,07,65
50,00,00
25,00,00
45,00,00
10,00,00
2,73,85
2,34,20
44,56,36
33,55,54
Reserve Fund
1247,09,69
808,24,38
Total
1713,56,03
1488,94,58
137
Consolidation has been done pursuant to the listing agreement with stock exchange.
2.
3.
Financial statement in respect of Agri Development Finance (Tamilnadu) Ltd. and NABARD Financial Services Ltd. are unaudited.
Details of the subsidiaries:
Country of Incorporation
Proportion of Ownership
India
52.10
India
47.82*
India
61.71
India
100
*NABARD controls the Board of Directors of Agri Business Finance (AP) Ltd. and hence considered as a subsidiary.
4.
The financial statements of the company and its subsidiary companies are combined on a line to line basis by adding together expenses
after fully eliminating intra-group balances and intra-group transactions in accordance with Accounting Standard (AS) 21 Consolidated
Financial Statement.
5.
Depreciation on fixed asset is provided on Written Down Value Method (WDV), at the rates specified in Schedule XIV to the Companies
Act, 1956 by Agri Development Finance (Tamilnadu) Ltd and Agri Business Finance (AP) Ltd., whereas NABARD Financial Services provided
Streight Line Method (SLM) at the rates specified in Schedule XIV to the Companies Act, 1956 on prorata basis. Thus the Accounting Policy
followed by subsidiaries for depreciation are different from the Accounting Policy for depreciation followed by NABARD in the preparation of
Consolidated Financial Statements. Thus out of the total depreciation of Rs. 21.34crore (22.67 crore) included in the Consolidated Financial
Statement, 0.13 % (0.14%) of that amount is determined based on depreciation provided by following WDV / SLM at the rates as specified in
Schedule XIV to the Companies Act, 1956.
6.
Income on foreign assignments by NABCONS is accounted on receipt basis. The amount of such fees receivable is not material.
7.
Disclosures as required under AS-17 Segment Reporting in consolidated financial statements are as under:
(` in crore)
Direct Finance
Refinance
Treasury
Unallocated
Total
4412.77 (4090.85)
5198.78 (4086.49)
1346.02 (943.24)
52.91 (103.63)
11010.48 (9224.20)
252.21 (271.38)
1638.63 (1567.59)
1302.00 (912.21)
-925.46 (-915.41)
2267.38 (1835.77)
71768.21 (66434.55)
94696.77 (74643.27)
13226.02 (15316.71)
2454.89 (2583.97)
182145.89 (158978.51)
76230.47 (68934.10)
84520.54 (69320.39)
291.17 (266.47)
21103.71 (20457.56)
182145.89 (158978.51)
18.42 (18.54)
18.42 (18.54)
0.08 (0.06)
0.00 (0.00)
0.00 (0.00)
21.26 (22.61)
21.34 (22.67)
15.98 (33.10)
129.62 (-0.08)
-0.80 (-0.05)
129.34 (100.21)
274.14 (133.18)
Other Items :
Cost to acquire Segment
Assets during the year
Amortization & Depreciation
Non Cash Expenses
(other than above)
Note: There are no reportable secondary segments for the bank and its subsidiaries
K. S. Padmanabhan
Chief General Manager
Accounts Department Mumbai
Mumbai : 26 May 2012
H R Khan
Director
Dipankar Gupta
Director
138
M L Sharma
Director
During 2011-12
During 2010-11
2266,99,31
21,34,47
-31,23
14,87,45
79,53,55
51,37,00
139,38,43
0
-1346,02,32
12,58
-3283,28,78
-2055,99,56
1835,77,20
22,67,16
2,78,34
32,90,00
0
-8,00
118,36,63
0
-938,79,85
4,64
-5492,54,83
-4418,88,71
2126,04,74
746,43,46
-25803,53,80
-24987,05,16
-431,06,93
-377,80,87
717,32,21
-19087,50,88
-23166,88,25
-541,65,19
-25418,12,09
-23708,53,44
1346,02,32
-17,27,32
2,74,03
943,23,85
-17,72,70
-2087,33,45
1331,49,03
-1161,82,30
11821,71,62
-3174,99,77
12557,92,51
1848,86,90
999,30,27
24052,81,52
-33,81,54
1815,57,69
6793,53,37
2555,88,70
12762,20,26
3925,65,06
-58,30
26036,69,09
1166,33,35
649,24,34
1781,76,15
1815,57,69
(B)
2011-12
2010-11
Cash in hand
Balance with Reserve Bank of India
Balances with other Banks in India
Remittances in Transit
Collateralised Borrowing and Lending Obligations
4,04
1168,79,91
381,97,13
2,54
230,92,53
10
38,85,26
854,09,40
694,44,37
228,18,56
Total
1781,76,15
1815,57,69
K. S. Padmanabhan
Chief General Manager
Accounts Department
Mumbai : 26 May 2012
H R Khan
Director
Dipankar Gupta
Director
139
M L Sharma
Director
chairman@nabard.org
ed1@nabard.org
ed2@nabard.org
Accounts Department
ad@nabard.org
bid@nabard.org
cvc@nabard.org
ccd@nabard.org
cpd@nabard.org
dcbs@nabard.org
dear@nabard.org
dit@nabard.org
dpsp@nabard.org
Department of Supervision
dos@nabard.org
dpd.fs@nabard.org
dpd.nfs@nabard.org
Finance Department
fd@nabard.org
fid@nabard.org
hrmd@nabard.org
Inspection Department
id@nabard.org
idd@nabard.org
icd@nabard.org
Law Department
law@nabard.org
mcid@nabard.org
Nabcons
nabcons@nabard.org
pcd@nabard.org
Rajbhasha Prabhag
rajbhasha@nabard.org
Secretary's Department
secy@nabard.org
spd@nabard.org
Telephone Nos.
Reception : 022-26539895/96/99
Protocol & Security : 022 - 26539046
140
GOA
Third floor, Nizari Bhavan
Menezes Braganza Road
Panaji - 403 001
Tel No. : (0832) 2220490, 2430504
Fax No. : (0832) 2223429
E mail : panaji@nabard.org
KARNATAKA
113/1, Jeevan Prakash Annexe
J.C. Road, P. B. No. 29
Bengaluru - 560 002
Tel No. : (080) 22225241/44
Fax No. : (080) 22222148
E mail : bangalore@nabard.org
nabbng@dataone.in
MIZORAM
Ramhlun Road (North)
Bawngkawn
Aizawl - 796 014
Tel No. : (0389) 2343428, 2305290
Fax No. : (0389) 2340815
E mail : aizawl@nabard.org
ANDHRA PRADESH
1-1-61, RTC Cross Roads
Musheerabad
Hyderabad - 500 020
Tel No. : (040) 27685555, 27612651
Fax No. : (040) 27611829
E-mail : hyderbad@nabard.org
GUJARAT
NABARD Tower
Opp. Municipal Garden
Usmanpura
Ahmedabad - 380 013
Tel No. : (079) 27552257-59
Fax No. : (079) 27551584
E mail : ahmedabad@nabard.org
KERALA
Punnen Road, Statue
P. B. No. 220
Thiruvananthapuram - 695 001
Tel No. : (0471) 2323859
Fax No. : (0471) 2324358
E mail : trivandrum@nabard.org
NAGALAND
NSCB Head Office Administrative
Bldg, 4th Floor, West Wing
Khermahal, Circular Road
Dimapur - 797 112
Tel No. : (03862) 234063, 235600
235601
Fax No. : (03862) 227040
E-mail : dimapur@nabard.org
ARUNACHAL PRADESH
Bank Tinali, VIP Road, TT Marg
Opposite State Bank of India
Itanagar - 791 111
Tel No. : (0360) 2215967,
09436040732
Fax No. : (0360) 2212675
E mail : itanagar@nabard.org
HARYANA
Plot No.3, Post Box No. 7
Sector - 34 'A'
Chandigarh - 160 022
Tel No. : (0172) 5046703, 5046728
Fax No. : (0172) 2604033
E mail : haryana@nabard.org
MADHYA PRADESH
E-5, Arera Colony, Bittan Market
Ravishankar Nagar Post Office
Bhopal - 462 016
Tel No. : (0755) 2463341/69
2466695
Fax No. : (0755) 2466188
E mail : bhopal@nabard.org
nabmpro@dataone.in
NEW DELHI
NABARD Tower
24 Rajendra Place
New Delhi - 110 125
Tel No. : (011) 25818733
25721723
Fax No. : (011) 41539187
41539185
E mail : delhi@nabard.org
ASSAM
Opposite Assam Secretariat
G.S. Road, Post Box No.1
Dispur, Guwahati - 781 006
Tel No. : (0361) 2235661
2238004 to 025
Fax No. : (0361) 2235657
E mail : guwahati@nabard.org
nabassam@dataone.in
HIMACHAL PRADESH
NABARD Bhavan, Block No. 32
S.D.A. Complex, Kasumpti
Shimla - 171 009
Tel No. : (0177) 2624373
2624379
Fax No. : (0177) 2622271
E-mail : shimla@nabard.org
nabardsm@dataone.in
MAHARASHTRA
54, Wellesley Road
Post Box No. 5, Shivaji Nagar
Pune - 411 005
Tel No. : (020) 25541083
25542090
Fax No. : (020) 25542250
E-mail : pune@nabard.org
ORISSA
'Ankur', 2/1, Nayapalli Civic Centre
Bhubaneswar - 751 015
Tel No. : (0674) 2553884
Fax No. : (0674) 2552019
E mail : nabbhu@sancharnet.in
bhubaneswar@nabard.org
BIHAR
Maurya Lok Complex
Block B, 4th & 5th floor
Dak Bungalow Road
Patna - 800 001
Tel No. : (0612) 2223985
Fax No. : (0612) 2238424
E mail : patna@nabard.org
pat_nab@dataone.in
MANIPUR
Leiren Mansion
Opposite Lamphel Supermarket
Lamphelpat, Imphal - 795 004
Tel No. : (0385) 2410706, 2416192
Fax No. : (0385) 2416191
E-mail : imphal@nabard.org
PUNJAB
Plot No.3, Sector 34-A
Post Box No. 7
Chandigarh - 160 022
Tel No. : (0172) 5046700, 5046701
Fax No. : (0172) 5046702
E mail : chandigarh@nabard.org
CHHATTISGARH
1st & 2nd Floor, Pithalia Complex
K.K. Road, Fafadih Chowk
Raipur - 492 009
Tel No. : (0771) 2888496/99
Fax No. : (0771) 2884992
E mail : raipur@nabard.org
nab_rpr@dataone.in
JHARKHAND
Opp. Adivasi College Hostel
Karamptoli Road
Ranchi - 834 001
Tel No. : (0651) 2361107
Fax No. : (0651) 2361108
E-mail : nabardjh@dataone.in
MEGHALAYA
'U' Pheit Kharmihpen Building
Plot No.28(2), 2nd & 3rd Floor
Dhankheti, Shillong - 793 003
Tel No. : (0364) 2221602, 2503499
2501518
Fax No. : (0364) 2227463
E mail : shillong@nabard.org
RAJASTHAN
3, Nehru Place
Tonk Road, Post Bag No. 104
Jaipur - 302 015
Tel No. : (0141) 2740821, 2743416
Fax No. : (0141) 2742161
E mail : Jaipur@nabard.org
141
SIKKIM
Om Nivas, Church Road
Post Box No. 46
Gangtok - 737 101
Tel No. : (03592) 203015, 204173
Fax No. : (03592) 204062
E mail : nabard_gtk@dataone.in
gangtok@nabard.org
TRIPURA
Palace Compound (East)
Uzirbari Road, Post Box No.9
Agartala - 799 001
Tel No. : (0381) 2302378
Fax No. : (0381) 2224125
E mail : agartala@nabard.org
UTTARAKHAND
113/2, Hotel Sunrise Building
2nd & 3rd Floor, Post Bag No.139
Rajpur Road
Dehradun - 248 001
Tel No. : (0135) 2748611
Fax No. : (0135) 2748610
E mail : dehradun@nabard.org
nabarddoon@dataone.in
TAMIL NADU
48, Mahatma Gandhi Road
Post Box No.6074, Nungambakkam
Chennai - 600 034
Tel No. : (044) 28276088, 28304444
Fax No. : (044) 28275732
E mail : chennai@nabard.org
UTTAR PRADESH
11, Vipin Khand
Gomti Nagar
Lucknow - 226 010
Tel No. : (0522) 2304530
Fax No. : (0522) 2304531
E mail : lucknow@nabard.org
WEST BENGAL
Abhilasha, 2nd floor
Post Box No.9083, 6, Royd Street
Kolkata - 700 016
Tel No. : (033) 22552255, 22667943
Fax No. : (033) 22494507
E-mail : nabardkol@dataone.in
kolkata@nabard.org
CELL
SRINAGAR
Opp. Amar Singh College Gate
Gogji Bagh
Srinagar - 190 008
Tel No. : (0194) 2310280
Fax No. : (0194) 2310479
TRAINING ESTABLISHMENTS
BOLPUR
Bankers Institute of Rural Development
NABARD, Bolpur Lodge
Bolpur 731 204
Birbhum (West Bengal)
Tel No. : (03463) 252812, 252783
Fax No.: (03463) 252295
E-mail : nabbol@rediffmail.com
LUCKNOW
Bankers Institute of Rural Development
Section 'H', L.D.A. Colony
Kanpur Road
Lucknow - 226 012
Tel No. : (0522) 2421 954 / 137 / 187
Fax No.: (0522) 2421 006 /176 / 047
E mail : bird@bsnl.in
birdindia@yahoo.co.in
142
MANGALORE
Bankers Institute of Rural Development
NABARD, Post Box No. 1117
Manjusha Building
Above Automatrix Showroom
Near KSRTC Bus Stand
Bejai Church Road
Bejai, Mangalore - 575 004
Tel No. : (0824) 2225836, 2225844
Fax No.: (0824) 2225835
E mail : rtc.mangalore@nabard.org
LIST OF ABBREVIATIONS
AA
Administrative Approval
ASP
AS
Accounting Standards
ATM
AAGR
ATS
AAY
BADP
A & N Islands
BAIF
ABCI
BC
Business Correspondents
BCM
ACABC
BDP
ACB
BF
Business Facilitators
ACE
BKGB
ACSTI
BIRD
ADFC
BMCU
BNB
ADWDRS
BoS
Board of Supervision
AEPS
BPL
AEZ
C-PEC
AFC
CAC
AFPRO
CAGR
AgDSM
CARE
AGMARKNET
CAS
AH
Animal Husbandry
CAT
AIBP
CB
Commercial Banks
AIDIS
CBLO
ALCO
ALM
CBP
AMI
CBS
AML
Anti-Money Laundering
CCB
APB
C-DAC
APCOB-CTI
CDF
APMC
CDP
APRACA
CER
CERFI
CES
ARWIND
143
CFSA
DDM
CGTMSE
DDSD
DEDS
CIBIL
CIP
DLMRC
CISS
CLA
DLT
CLMAS
DMI
DPR
CMA
DRDA
CMIE
DRIP
CMR
DTL
CPI
DTP
CPI-AL
DVCF
EC
Extension Counter
CPIO
FC
CPI-RL
FCI
CPIS
FDI
CRAR
FIF
CRIDA
FIMMDA
CRISIL
FINO
CRR
FIP
CS
FIPF
CSA
FITF
CSP
FIU-IND
CTFC
FLCC
CTI
CUC
FR
Flash Reports
CV
Coefficient of Variation
FRC
CVC
FRL
CWC
FSR
DADI
FSS
DAHDF
FTRDC
DAP
Di-Ammonium Phosphate/
Development Action Plan
FTTF
GAAP
GCC
DCCB
144
GCF
GDP
GDS
GIZ
IPDSS
IPM
IR
Inspection Reports
IRDA
IRR
IRV
ISAP
GLC
Ha
hectare
HFT
HPC
HRMS
ISEC
HTM
Held to Maturity
ISMW
HWG
ISRO-VSAT
IARI
IAS
ISS
IBPS
ITI
ICAI
IWDP
ICM
JCC
ICRA
JLG
ICRISAT-WWF
JLTC
JNNSM
KADFC
ICT
KCC
IDRBT
KfW
IEC
IES
KVIC
IFAD
KVK
KYC
IGWDP
LABS
LAMPS
IHDS
LBSNAA
IIBM
LPA
IIM
LT
Long Term
IIMPS
INM
LTCCS
IIT
LWE
IMF
MAAPA
145
MACS
NER
North-Eastern Region
MDMI
NFS
Non-Farm Sector
MEDP
NFSM
MF
Micro-Finance
NGO
Non-Governmental Organisation
MFDEF
NHM
MFI
NIDA
MIS
NIMC
MMS
NIRB
MMTC
NLUP
MNAIS
NMCP
MNRE
NMMI
MoA
Ministry of Agriculture/Memorandum of
Agreement
NPA
MOP
Muriate of Potash
NPCI
MoSPI
NPDP
MoT
Ministry of Textiles
NPOF
MoU
Memorandum of Understanding
NPRI
MPLADS
NPS
MPKV
NPW
MRP
NR
Natural Rubber
MSP
NRC(LTO)
MSTP
MT
NRMC
MU
Mother Units
NRC(Stab.)
Nabcons
ODI
NABFINS
OMSS
NAFSCOB
OPP
OSS
NAIS
OSAO
NBFC
PACS
NBS
PARFI
NCCT
PAT
NCOF
PBT
NEDFi
PCARDB
146
PDAI
RMCB
PDS
RNFS
PEC
RRB
PFRDA
RSVY
RTC
PGDRB
RTI
Right to Information
PIA
PLP
PMU
R&D
POS
Point of Sale
SAO
PPID
SAS
SAU
PODF
SBLP
PPP
SBPC
PRI
PUCB
SCARDB
PVCF
PVI
SCB
RBI
SCC
RASS
SDC
RCMB
SDD
RCS
SDP
RDBS
SEWA
REDP
SFAC
RDA
SF/MF
RFA
SFP
RFI
SGSY
RFIP
SHG
SHLS
RGCT
SHPI
RGMVP
SIDBI
RICM
SLIC
RIDF
SLR
RIPF
SLSMC
RIF
RLP
SLTF
RML
SMS
147
SNTS
TMB
SOFTCOB
TMT
TPDS
SPA
ToR
Terms of Reference
SPV
UIDAI
SRI
UNDP
SRTO
SS
Special Studies
UPNRM
SSI
STCCS
USAID
STCRC
USQ
Unstarred Question
STD
UT
Union Territory
ST(SAO)
VA
Voluntary Agency
VC
Video Conferencing
ST(OSAO)
VDP
VSAT
SWC
VWC
SWOT
WAN
TANGEDCO
WBCIS
WDC
TC
Technical Component
WDF
TDF
WPI
TE
Training Establishment
WSHG
TFO
ZoC
Zone of Consideration
148