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NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT

   
   
 

Functions of Department

 
Development Policy Department ( Non Farm Sector )
 

1. Powers and duties of officers and employees

The Department has on its roll, different categories of staff such as, Office Attendants, Development Assistants( DA), Development Assistant (DAW), Development Assistant (Sect) ( DAS), Officers in various grades starting from Grade A, B, C, D, E and F (Head of the Department). Powers and duties of the respective categories / grades are indicated below:

Category/
Grade

Powers and Duties

Remarks

Office
Attendant

Opening of cupboards, taking out case papers(bundles) of the DAs/officers, carrying the cases from one DA /officer to another DA / officer, carrying papers to other Departments within the premises and outside the premises, such as, RBI Office, other banks etc., keeping the papers/bundles inside the cupboard at the close of the working hours and locking the cupboards.

 

Development
Assistant

Inwarding the dak (incoming letters etc), despatch of letters and related work, putting up the references/ cases on routine subjects, filing papers. Maintaining various registers

Development
Assistant(WP)

Typing of letters/ notes /memorandum etc. data entry in computers.

Development
Assistant(Sect)

Take dictation and type letters/ notes, memorandum.

Officer -
Grade A and B

Putting up cases with preliminary scrutiny and facts of the cases, guiding the DAs. In case of payment to the contractors /outside parties pass payment / accounting vouchers.

There is no strict compartmentalisation of duties among these officers. The Department follows level jumping in dealing with cases.

Officer -
Grade C

Further analysis of the cases put up by Gr.A, B Officers. Originate the cases depending on the importance of the cases.

 

Officer -
Grade D

Crystalise the ideas / notes, references put up by the down line officers. Attend meetings at Govt etc level. Give different options to facilitate decision making.

 

Officer -
Grade E

To facilitate the decision making by the Departmental Head, give reasoning for particular decision.

  

Officer -
Grade F

Take decision on various cases. Briefing the issues to the Top Management etc.

 

2. Decision making process

References / issues received from Regional Offices, Govt. Departments or any other body or individuals are examined and decisions taken by following the broad procedure as under:

  • References received are inwarded in order to maintain the record of its receipt (clerical level).
  • References so received are marked to a designated officer.(Officer in Gr.A or B) who analyses the case details and puts forth all the facts of the case.
  • The next higher officer (Gr. C) verifies the facts and figures and recommends the possible alternative solutions.
  • The next higher officer (Gr. D) examines the various options /solutions given and also gives other options, if any.
  • The next higher officer (Gr E) selects the most appropriate solution, its pros and cons and facilitates the departmental head to take a quick and appropriate decision.
  • The departmental head(Gr F) once again goes through all the analysis and takes a decision. If need be, he may consult the Executive Director or Managing Director before taking the final decision.
  • All important decisions, involving policy implications or financial matters, are taken by Managing Director directly or with prior consultation with Management Committee, Executive Committee or Chairman.
  • Decision making and Implementation are also a joint responsibility of all the officers who have been assigned the specific job, for which detailed guidelines have been issued by the Head Office. Therefore, accountability is fixed on the officer/s who is /are responsible to implement the decision.
  • Head Office monitors and supervises the tasks given to Regional Ofiices for implementation by fixing MIS, visits etc.
  • Within the Department, periodic meetings are held by the Chief General Manager with the Staff members / Officers to review the performance during the month and discuss important matters relating to the functioning of the Department / pendency of the cases or any new developments.
  • The Executive Director in charge of the Department holds fortnightly reviews and compliance is submitted on the Review Observations.

3. Norms set for discharge of functions

It has been the endeavour of the Department, which is being scrupulously followed, that all the references received in the Department are replied within a maximum period of one month from the date of receipt in the Department. Details of the reference received are computerised for monitoring their movement.

Acknowledgment of Reference : Within a maximum period of 7 working days

Disposal of references : Within a period of one month from the date of receipt in case of proposals complete in all respects and complying to our guidelines

So far as financial matters are concerned (sanction of grant assistance for non-farm promotional programmes), operational guidelines issued by Head Office and the delegation of sanction powers as indicated below are required to be followed by the Regional offices.

Sr. No.

Description of activity

Grant Assistance (ceiling) per proposal

Sanction - Rural Innovation Fund(RIF)

1

Funding support ( grant / loan/ other approved mode ) up to Rs 10 lakh in respect of all activities funder under RIF:

CGM / RO In Charge on the recommendation of an inter-disciplinary Committee of in-charges of farm / Non-Farm / Micro Credit / Technical services Deptts. in ROs, within the guidelines under relevant schemes and within the budget approved by Head office.

2

Misc. Interventions (Workshops, Seminars / Fairs / Meets / bring out literature, video-audio aids etc.)

RO in charge: upto Rs 50,000/- per event/ programme

3

Rural Entrepreneurship Development Programme (REDP)

Maximum financial support for an incentive based REDP will be Rs 1.75 lakh with training component at Rs 1.0 lakhand incentive component at Rs 75000/-. However, RO has discretion to change the proportion for justifiable reasons.

4

Skill Development Programme(SDP)

The financial support for Skill Development Programme for a minimum of 25 trainees:
Upto 2 weeks duration : Rs 35,000/-
2-3 weeks’ duration: Rs 45,000/-
4-5 weeks’ duration: Rs 85,000/-
6 weeks and above: Rs 1.20 lakh

5

Rural Haat Scheme

The maximum amount of grant support for setting up / strengthening of Rural Haat: Rs 5.0 lakh

6

Release of funds for projects sanctioned

CGM / GM/ DGM concerned in the Regional Office / Head Office will have powers to release the amount sanctioned.

4. Refinance Disbursements (RNFS) under investment credit

The details of the disbursements of refinance under investment credit and Government sponsored programmes for various rural non farm sector activities since 1990-91 are given below:

Table 1 : Growth in refinance under RNFS

(Rs. in crore)

Year

Investment credit

Of which Rural Housing

Swarnjayanthi Gram Swarojgar Yojana-- Industries, Service, Business(SGSY-ISB)
(Includes erstwhile IRDP)

Total

1990-91

80.00

--

268.00

348.00

1991-92

104.00

--

259.00

363.00

1992-93

184.00

--

244.47

428.47

1993-94

328.94

--

252.07

581.01

1994-95

411.08

--

263.68

674.76

1995-96

460.36

--

224.32

684.68

1996-97

644.68

--

246.63

891.31

1997-98

616.67

--

308.14

924.81

1998-99

653.95

--

398.85

1052.80

1999-00

837.42

--

345.00

1182.42

2000-01

1022.02

--

390.51

1412.53

2001-02

1615.97

501.86

290.49

1906.46

2002-03

2007.40

769.53

209.48

2216.80

2003-04

2363.22

1030.23

94.18

2457.40

2004-05

2542.58

1276.94

225.74

2768.32

2005-06

2285.98

1242.80

116.26

2402.24

2006-07

2265.16

1087.63

214.01

2479.17

2007-08

2747.95

876.41

126.16

2874.11

Cumulative disbursements upto 31 March 2008

21354.71

6785.40

5759.58

27114.29

Table 2 : Refinance under Investment Credit -RNFS State-wise position during 2007-08

(Rs. in crore)
State

Achievement

RNFS

of which rural housing

NEW DELHI

15.40

5.43

HARYANA

211.73

32.88

HIMACHAL

28.48

20.85

JAMMU AND KASHMIR

12.83

0.00

PUNJAB

351.08

227.84

RAJASTHAN

171.00

46.15

ARUNACHAL

0.00

0.00

ASSAM

69.04

15.84

MANIPUR

5.03

2.03

MEGHALAYA

11.81

7.66

MIZORAM

11.72

9.15

NAGALAND

0.00

0.00

TRIPURA

22.40

12.27

SIKKIM

3.19

2.16

BIHAR

59.59

10.21

JHARKHAND

24.39

2.77

ORISSA

147.96

79.95

WEST BENGAL

336.52

80.22

ANDAMAN & NICOBAR ISL.

9.25

2.91

MADHYA PRADESH.

86.41

36.76

CHHATTISGARH

38.12

9.04

UTTAR PRADESH

244.00

32.36

UTTARANCHAL

42.69

1.56

GUJARAT

104.43

3.29

GOA

12.25

0.00

MAHARASHTRA

92.39

32.91

ANDHRA PRADESH

195.99

22.91

KARNATAKA

97.80

26.49

KERALA

235.84

152.16

PONDICHERRY

5.19

0.00

TAMILNADU

101.42

0.61

T O T A L

2747.95

876.41


Table 3 : Agency wise refinance flow under RNFS investment credit
(excluding SGSY)

(Rs. in crore)
Agency

2004-05

2005-06

2006-07

2007-08

Cumulative upto 31 March 2008

Commercial Banks

531.48

699.78

966.94

1454.57

5959.52

(20.91)

(30.61)

(42.69)

(0.53)

(27.91)

State Coop and Agri. Dev. Banks (SCARDBs)

623.63

589.72

605.06

594.5

6191.90

(24.53)

(25.80)

(26.71)

(0.22)

(29.00)

State Cooperative Banks

625.8

533.12

312.90

278.90

4376.73

(24.61)

(23.32)

(13.81)

(0.10)

(20.50)

Regional Rural Banks

756.78

457.41

380.26

416.56

4708.20

(29.76)

(20.01)

(16.79)

(0.15)

(22.05)

Scheduled PCBs

4.89

5.95

0.00

3.42

118.36

(0.19)

(0.26)

0.00

(0.001)

(0.55)

Total

2542.58
(100)

2285.98
(100 )

2265.16
(100)

2747.95
(100)

21354.71
(100)

(Figures in bracket indicate percentage share to total)

Table 4 : Activity wise refinance flow under investment credit (RNFS) (excluding SGSY)

(Rs. in crore)

Activity

2003-04

2004-05

2005-06

2006-07

2007-08

Traditional/ rural industries

138.70
( 5.87 )

162.02
(6.37)

147.20
(6.44)

81.06
(3.58)

37.46
(1.36)

Agro-processing/ Agro- industries

73.23
(3.10 )

47.40
(1.86)

80.76
(3.53)

51.38
(2.27)

22.85
(0.83)

Handicrafts

29.01
(1.23)

30.03
(1.18)

29.61
(1.30)

8.93
(0.39)

9.62
(0.35)

Handlooms

13.89
(0.59)

12.60
(0.50)

14.81
(0.65)

10.80
(0.48)

0.22
(-)

Engineering industries

69.84
(2.95)

72.69
(2.86)

15.07
(0.66)

8.33
(0.37)

3.88
(0.14)

Building/construction materials

26.35
(1.11)

33.90
(1.33)

15.89
(0.70)

11.64
(0.51)

4.86
(0.18)

Modern activities

91.82
(3.89)

99.03
(3.89)

68.87
(3.01)

49.52
(2.19)

194.95
(7.09)

Transport vehicles

110.55
(4.68)

119.00
(4.68)

95.83
(4.19)

204.19
(9.01)

1118.62
(40.71)

Service activities

267.52
(11.32)

286.16
(11.25)

280.69
(12.27)

327.99
(14.48)

112.88
(4.11)

Rural Housing

1030.23
(43.59)

1276.94
(50.22)

1242.80
(54.37)

1087.63
(48.02)

876.41
(31.90)

Others

512.08
(21.67)

403.01
(15.84)

294.45
(12.88)

423.69
(18.70)

366.20
(13.33)

Total

2363.22
(100)

2542.58
(100)

2285.98
(100)

2265.16
(100)

2747.95
(100)

(Figures in brackets are percentages to total)

5. Swarojgar Credit Card (SCC) Scheme

Swarojgar Credit Card (SCC) Scheme was introduced in September 2003 for providing adequate and timely credit, i.e., working capital including consumption needs and /or block capital requirements to the small artisans, handloom weavers and other self employed persons including micro-entrepreneurs and SHGs, etc.., from the banking system in a flexible, hassle free and cost effective manner.

Table 5 : State-wise/Year-wise Target & Achievements under SCC Scheme
and Target proposed for 2008-09

Regional Office

2005-06

2006-07

2007-08

2008-09

Target

No. of cards

Target

No. of cards

Target

No. of cards

Target

Andaman & Nicobar

500

38

500

 

500

43

500

Andhra Pradesh

75,000

46,040

75,000

8,000

55,000

10,322

50,000

Arunachal Pradesh

1,000

 

1,000

 

1,000

0

1,000

Assam

6,000

2,090

6,000

1,675

6,000

201

10,000

Bihar

10,000

14,082

10,000

16,463

30,000

19,956

40,000

Chhatisgarh

6,000

6,736

6,000

4,785

10,000

5,744

20,000

Goa

1,000

273

1,000

228

1,000

226

1,000

Gujarat

20,000

2,812

20,000

6,849

15,000

1,672

10,000

Himachal Pradesh

4,000

1,634

4,000

10,677

10,000

4,406

15,000

Jammu & Kashmir

1,000

 

1,000

 

1,000

0

1,000

Jharkhand

5,000

1,642

5,000

2,201

9,000

2,305

5,000

Karnataka

50,000

20,042

50,000

26,809

50,000

16,594

40,000

Kerala

30,000

37,948

30,000

7,844

30,000

7,933

25,000

Madhya Pradesh

20,000

8,511

20,000

5,440

15,000

1,058

15,000

Maharashtra

40,000

4,359

40,000

6,208

30,000

607

15,000

Manipur

1,000

 

1,000

 

1,000

0

1,000

Meghalaya

1,000

 

1,000

 

1,000

0

1,000

Mizoram

1,000

5

1,000

226

1,000

42

1,000

Nagaland

1,000

0

1,000

 

1,000

0

1,000

New Delhi

500

0

500

 

500

0

500

Orissa

40,000

20,403

40,000

19,936

60,000

32,591

65,000

Punjab & Haryana

30,000

28,153

30,000

32,003

50,000

18,946

50,000

Rajasthan

20,000

2,742

20,000

11,494

25,000

8,220

30,000

Sikkim

1,000

0

1,000

1,000

15

1,000

Tamil Nadu & Pondicherry

60,000

9,148

60,000

14,320

30,000

3,314

25,000

Tripura

1,000

1,000

122

1,000

0

1,000

Uttar Pradesh

50,000

62,987

50,000

21,018

20,000

4,632

30,000

Uttaranchal

4,000

2,768

4,000

689

10,000

3,687

15,000

West Bengal

20,000

15,681

20,000

14,454

30,000

12,782

30,000

TOTAL

500000

288094

500000

211441

500000

155296

500000

Table 6 : Year wise progress of implementation of SCC Scheme

Year

No. of SCCs issued

Credit limit sanctioned
(Rs in crore)

2003-04

28925

64.26

2004-05

150615

468.28

2005-06

288094

1410.65

2006-07

211441

756.90

2007-08

155296

679.26

Cumulative Progress
as on 31 March 2008

834371

3379.35

6. Promotional Programmes

(A) NABARD-SDC Rural Innovation Fund (RIF)

The RIF which was formed by merger of 2 erstwhile SDC Funds viz: Credit and Financial Services Fund ( CFSF) and Rural Promotion Corpus Fund ( RPCF) is envisaged to emerge as an instrument to try out new ideas and innovations with a scaling up potential in Farm, Non farm and Micro finance sectors, apart from supporting the ongoing promotional initiatives, with the objective of promoting livelihood opportunities and employment creation in rural areas and facilitating access to financial and business promotion services for the poor. Various initiatives taken under RIF during 2007-08 are given below.

Financial Achievements during 2007-08

The total disbursement under RIF during 2007-08 reached a level of Rs 21.71 crore; up from Rs 15.19 crore during 2006-07 registering an increase of 42.92%. The component wise expenditure incurred under RIF during 2006-07 and 2007-08 is given in the table below:

Table:7 Details of Component-wise Expenditure under RIF(2006-07 & 2007-08)

(Rs in crore)
Particulars

Disbursements

 

2006-07

2007-08

Component –I: Innovative / Theme Based Projects

-

2.51
(11.6)

Component – II: Ongoing Activities in Farm, Non-farm & Micro-finance Sectors

15.14

19.11@
(88.0)

Component – III : Action Research

0.05

0.09
(0.4)

Total

15.19

21.71

@ Includes Rs 4.30 crore expended for RIF administration, publicity and Workshops. Figures in ( ) indicate % share.

Component- I ( Innovative Projects)

During the year, 29 innovative projects involving funding commitment of Rs 7.55 crore were sanctioned taking the cumulative total of innovative projects to 32 and the total commitment to Rs 8.19 crore.

A list of innovative projects sanctioned till 31.3.2008 is given below:

Table 8: List of projects sanctioned under the innovative component of RIF as on 31 March 2008

( Rs in lakh)
Sl.No

Name of the Project

Champion of the Project

State

Amount Sanctioned (Grant/Loan)

1

Converting Mango Peel Waste into organic manure

SHARAZ Farm Academy, Hosur

Tamil Nadu

8.91 (Grant)

2

Arecanut Leaf Plate Making in Barpetta District

DHRITI, Guwahati

Assam

10.24 (Grant)

3

Integrated Neem Development in Bolangir District

Agency for Social Action(ASA), Bhubaneswar

Orissa

23.22 (Grant)

4

Contribution to Aavishkaar India Micro Venture Capital Fund

Aavishkaar India Micro Venture Capital Fund, Mumbai

All India

500.00
(Venture Capital Contribution)

5

Low Cost Rain Water Harvesting Structures

ICAR Research Centre, Umiam, Meghalaya

Meghalaya,
Tripura,
Nagaland,
Manipur

10.00 (Grant)

6

Stevia Tea Cottage Industry.

Essomi Foundation Trust, Arunachal Pradesh

Arunachal Pradesh

17.64 (Grant)

7

Cultivation, Processing and Marketing of Medicinal and Aromatic Plants.

Om Shree Sai Kalyan Samiti, Barabanki, Uttar Pradesh

Uttar Pradesh

11.47 (Grant)

8

Soil Health Cards to Farmers Club Members

ICAR Research Centre, Agartala

Tripura

13.37 (Grant)

9

Innovative Jute Retting Project

Manosri Tarun Bani Mandal, Kolkatta

West Bengal

6.098 (Grant)

10

Rooftop Rain Water Harvesting Structure

Action for Rural Development (AFORD), Manipur

Manipur

12.25 (Grant)

11

Household Water Harvesting.

Adarsh Mahila Mandal, Bilaspur

Chattisgarh

1.418 (Grant)

12

Establishment of manufacturing unit for new Cotton Plucking Machines

Mr. V.V.Bilonikar Aurangabad

Maharashtra

15.00 (Loan)

13

Developing Rural Haats into Rural Business Hubs

MART, New Delhi

pan India

16.56 (Grant)

14

Preparation of Smoking Sticks from Coir Pith.

Krishi Vigyan Kendra, ICAR, Panniyur

Kerala

5.50 (Grant)

15

Bio-mass Gasifier using Sarpat Grass

Ramanand Saraswathi Pustakalaya, Azamgarh

Uttar Pradesh

6.705 (Grant)

16

Production of Fly Ash Bricks

Technology & Action for Rural Advancement (TARA),
New Delhi

Maharashtra

43.74 (Grant)

17

Low Cost Storage technology for table/ seed potatoes.

Central Potato Research Station, ICAR, Shillong

Meghalaya

4.33 (Grant)

18

Systematic Rice Intensification (SRI) – 5% model for Water harvesting.

Centre for Action Research & Management in Developing Attitudes Knowledge & Skills in Human Resources (CARM-DAKSH), Bilaspur

Chattisgarh

1.20 (Grant)

19

Developing Cost effective process for naturally dyed cotton yarn and integration of production of yarn, weaving and marketing of fabrics

Charaka Women’s Multi-purpose Industrial Cooperative Society, Shimoga, Karnataka

Karnataka

6.00 (Grant)

20

Pilot marketing of innovative fuel saving cooking stove

Bio-Activated Energy Mission (BAE), Bangalore

Karnataka

4.25 (Grant)

21

Promoting low cost spawn production unit and home based cultivation of mushroom through SHGs

Social Welfare Society

Karnataka

3.40 (Grant)

22

Setting up 5 Solar
Tunnel Dryers (STDs) in Rajasthan.

College of Dairy and Food Science Technology,
Maharana Pratap University of Agriculture and Technology, Udaipur

Rajasthan

7.60 (Grant)

23

Setting up natural cold storage units for vegetables and potatoes

Shri Arvindbhai R Patel,

Gujarat

5.91 (Grant)

24

Product innovation involving modifications in the mechanism/ design of the conventional cotton de podding machine to improve the quality of the deshi variety of kapas (cotton) by reduction of trash content and separation of fragments of the pod thereby ensuring better colour, productivity and purity.

Ahmedabad Textile Industry’s Research Association, (ATIRA) Ahmedabad

Gujarat

4.80 (Grant)

25

Setting up demonstration units for promotion of Biomass Gas Stoves for small commercial applications in 2 villages in Gouribidanur taluk of Kolar district, Karnataka

The Energy and Resources Institute (TERI), Bangalore

Karnataka

4.26 (Grant)

26

Demonstration, manufacture, installation and scaling up of bio-mass based “Earth” Stoves (Sanjha Chulha) in Mohali, Chandigarh, Punjab State.

M/s. Nishant Bioenergy Consultancy (P) Ltd

Punjab

Venture-like support of 12.75 lakh towards meeting block capital requirements (repayable @ 10% of sales realization p.a.) + grant assistance amounting to 11.08 lakh for meeting (i) working capital gap, (ii) 50% of the set-up costs of briquette-making units

27

Organic production of seeds and seedlings for vegetable growers in 15 villages in Pipli block of Puri district of Orissa.

Society for Advancement of Rural Poor (SARP)

Orissa

6.64 (Grant)

28

Development and Preparation of Bio Pesticides thru’ Self Help Groups in Kanpur District, Uttar Pradesh State.

Society for Participatory Research and Development Action (SPREDA)

Uttar Pradesh

8.76 (Grant)

29

Popularisation and refinement of integrated disease management practices in apple nurseries in Himachal Pradesh

IARI, Regional Station, Shimla

Himachal Pradesh

9.14 (Grant)

30

Pilot Project for rainwater harvesting to improve sub-surface water quality and BG algae culture in rainwater harvesting structures, South 24 Paraganas Dist., West Bengal

Beliachandi Aastha Narikalayan Kendra (BANK)

West Bengal

5.925 ( Grant)

31

Demonstrating Innovative Low-cost Technologies for Sustainable Rural Development : Kavaraipettai

Dr A Jagadeesh, Head, R&D, Centre for Energy and Sustainable Resources, RM Engg. College, Kavaraipettai, Tamil Nadu

Tamil Nadu

2.10 ( Grant)

32

Integrated Development of Agriculture in the Semi-arid lateritic regions of West Bengal - Bankura, Purulia and Birbhum districts, West Bengal State

Bidhan Chandra Krishi Viswavidyalaya

West Bengal

19.71 ( Grant)

The nature of innovative projects sanctioned ranged from pure product innovations like a cotton plucking machine and an innovative jute retting process to process innovations like promoting production of bio-mass energy through Self Help Groups of the poor, promoting cost effective water harvesting structures in the North East and production and marketing of integrated natural dye based fabric through weavers’ organisation.

The stage of innovations funded also varied from developing new products/ practices to pilot testing/ demonstration of innovative projects and even commercialization of innovations already pilot tested and patented. A proposal for investing Rs 5 crore in a micro venture capital fund (Aavishkaar Micro Venture Capital Fund Ltd.) was also sanctioned during the year. The Fund is, one of the fore runner Funds in the Country with focus on investing in micro ventures mainly in agriculture and rural development projects.

The projects sanctioned during the year were fairly wide spread across the country with a number of projects emanating from the North East and other less developed regions. The State wise distribution of the innovative projects sanctioned so far, is given below:

Table 9: State wise Distribution of Innovative Projects
(position as on 31 March 2008)

State

No of Innovative Projects sanctioned

State

No of Innovative Projects sanctioned

State

No of Innovative Projects sanctioned

Karnataka

4

Chhattisgarh

2

Kerala

1

Orissa

3

Gujarat

2

Tripura

1

Uttar Pradesh

3

Tamil Nadu

2