Financial, Developmental and Supervision are three broad heads which enable NABARD to touch almost every aspect of rural economy: providing refinance support, building rural infrastructure, preparing district level credit plans, guiding and motivating the banking industry in achieving credit targets, supervising Cooperative Banks and Regional Rural Banks (RRBs), helping them develop sound banking practices, enabling them to on-board to the CBS platform, designing new projects for rural development, implementing GoI's development schemes, training handicraft artisans and providing them a marketing platform for selling their articles among others.
      Refinance - Short Term Loans
Crop loans are extended to farmers for crop production by financial institutions, which support in ensuring food security in the country.  During the year 2018-19, NABARD has disbursed  ₹ 90088 crore for Seasonal Agricultural Operations to financial institutions.
Long Term Loans 
NABARD's long-term refinance provides credit to financial institutions for a wide gamut of activities encompassing farm and non-farm activities with tenors of 18 months to more than 5 years. During the year 2018-19, NABARD has disbursed ₹90254 crore to financial institutions. 
Rural Infrastructure Development Fund
RIDF was set up with NABARD in 1995-96 by the Reserve Bank of India out of the shortfall in lending to priority sector by scheduled commercial banks for supporting rural infrastructure projects. NABARD disbursed ₹ 27623 crore during 2018-19. RIDF contributes substantially to the rural infrastructure funding in the country today.
Long-Term Irrigation Fund
The Long-Term Irrigation Fund (LTIF) was announced in the Union Budget 2016–17 for fast tracking the 99 identified medium and major irrigation projects, spread across 18 states in mission mode by December 2019. Ministry of Water Resources, River Development and Ganga Rejuvenation (MoWR, RD & GR) is the nodal ministry designated to coordinate and facilitate completion of the projects. Subsequently, Government of India has approved funding for four more projects under LTIF viz; Polavaram project in Andhra Pradesh, North Koel project in Bihar and Jharkhand, Relining of Sirhind and Rajasthan Feeder Canal project of Punjab, and Shahpur Kandi Dam in Punjab. Cumulative loans sanctioned and released under LTIF as on 31st March 2019 are  ₹ 75769.90 crores and  ₹ 34248.73 crores respectively.
Pradhan Mantri Awaas Yojana - Grameen (PMAY-G)
NABARD sanctioned an amount of ₹14,645.57 crores and released ₹10,678.80 crores during 2018-19 to the National Rural Infrastructure Development Agency (NRIDA). The cumulative amount sanctioned to NRIDA as on 31 March 2019 was ₹21,975 crore of which ₹18,008.23 crore was released. The financial assistance was channelized towards PMAY-G,  which plans to provide a pucca house, with basic amenities, to all houseless households including those living in kutcha and dilapidated houses, by 2022.
NABARD Infrastructure Development Assistance
During 2018–19, term loan of ₹7,362.76 crore was sanctioned under NIDA through eight credit proposals. Out of this, irrigation projects accounted for 90% (₹6,655.00 crore) and remaining went to renewable energy, roads, and power transmission projects (₹707.76 crore). NABARD and Government of Maharashtra entered into an agreement for completion of 68 incomplete medium/minor irrigation projects to create irrigation potential of 1,82,750 ha across 14 drought prone districts of Maharashtra under the Baliraja Jal Sanjivani Yojana, with a NIDA term loan facility of ₹6,650 crore, during the year. 
Cumulatively, 80 projects with term loan of ₹30,574.30 crore have been sanctioned and an amount of ₹11,566.95 crore is disbursed.
Warehouse Infrastructure Fund
GoI created Warehouse Infrastructure Fund (WIF) in the year 2013- 14 with NABARD with a corpus of ₹ 5,000 crore for providing loans to meet the requirements for scientific warehousing infrastructure for agricultural commodities in the country. The cumulative disbursement as on 31 March 2019 stood at ₹ 5,896 crores.
Food processing fund
With view to promoting food processing industries in the organised sector on a cluster basis, the Government of India instituted the Food Processing Fund (FPF) in NABARD in 2014–15, with a corpus of ₹2,000 crore. NABARD sanctioned ₹61.8 crore to one project during 2018-19 taking the cumulative loan sanctioned to ₹531.35 crore for 11 mega food park (MFP) projects and three food processing units as on 31 March 2019. During the year, ₹57.07 crore was disbursed, taking the cumulative disbursements to ₹312.85 crore for the sanctioned projects.
Direct Lending to Central Cooperative Banks
A short-term multipurpose credit product designed for direct lending to CCBs for meeting the working capital and farm asset maintenance needs of the individual borrowers and affiliated PACS had been launched since 2011–12. The outstanding under this line of credit stood at ₹4,449.50 crore as on 31 March 2019 as against ₹2,949.51 crore as on 31 March 2018.
Credit Facility to Marketing Federations (CFF)
In order to strengthen the arms of Marketing Federations/Cooperatives, we established a separate line of credit, viz. Credit Facility to Federations, which promotes marketing of agricultural produce and other farm activities. During 2018-19, we disbursed an amount of ₹ 29860 crore. The cumulative disbursement under CFF since inception stood at ₹ 33251 crore as on 31 March 2019.
During 2018-19, NABARD conducted 316 inspections.
C)   Developmental Functions
Kisan Credit Card Scheme for Farmers
The Kisan Credit Card (KCC) scheme was designed by NABARD in association with the Reserve Bank of India (RBI) in August 1998 for providing crop loans. NABARD has been at the forefront of technology revolution by helping rural financial institutions in providing RuPayKisan Cards (RKCs) to all their farmer clients.
To cover all the farmers with RuPay Kisan Credit Cards (RKCs) on mission mode for full coverage of KCC accounts, RRBs and RCBs were supported for Europay, MasterCard, Visa (EMV) chip-based RKCs. Micro ATMs were supported in schools, colleges, milk societies, and other societies to enhance the ability of the farmers to use their RKCs. RRBs and Cooperative Banks issued 1.18 crore and 2.00 crore RKCs respectively as on 31 March 2019.
Watershed Development
As on 31 March 2019, we have sanctioned 457 watershed projects, 123 KfW-Climate Proofing projects, 147 WDF-Climate Proofing projects, 451 Sustainable Development Plan programm and 47 springshed based watershed development programm in 27 states covering an area of 20.68 lakh ha.
Tribal Development
The Tribal Development Programme of NABARD is being implemented from the year 2003-04 with a corpus of  ₹ 50 crore.  748 projects have been sanctioned covering 5.35 lakh tribal families with a financial commitment of ₹ 2198 crore, of which an amount of ₹ 1563 crore has been disbursed as on 31 March 2019.
Climate Resilient Agriculture
Under Adaptation Fund, the cumulative sanction for six such ongoing projects stood at USD 9.85 million ( ₹ 5,911 crore). We have also cumulatively sanctioned 30 projects under NAFCC amounting to ₹ 846.81 crore at the end of FY 2018-19..
Umbrella Programme on Natural Resource Management
Cumulatively 334 UPNRM projects have been sanctioned across the country covering 10 major natural resource management sectors with a financial assistance of ₹782 crore including grant assistance of ₹ 44 crore. The cumulative disbursement as on 31st March 2019 stood at ₹ 573 crore including grant assistance of ₹ 29 crore.
Financial Inclusion
As on 31 March 2019, cumulative sanctions under FIF stood at ₹3,903.17 crore. Besides NABARD’s digital Financial Literacy Awareness Programmes (dFLAPs), it has extended support to banks for conducting targeted financial literacy programmes (for people newly inducted in the financial system, adults, specified groups and digital financial literacy) in rural areas through their FLCs and rural branches, especially in the 115 aspirational districts identified by the Government of India.
Microfinance Sector
NABARD had launched the Self Help Group-Bank Linkage Programme (SHG-BLP) in 1992. It covered about 100.14 lakh Self-Help Groups (SHGs) and nearly 12.5 crore poor households in India as on 31 March 2019. Nearly 27 lakh SHGs availed credit support of ₹58,318 crore from various banks during 2018-19, at an average of ₹2.16 lakh per SHG. 16.04 lakh JLGs were promoted and financed by banks during 2018–19.
In a bid to digitise SHGs, project EShakti was launched on 15 March 2015. As on 31 March 2019, a total of 4.34 lakh SHGs were digitised involving 47.91 lakh members across the country. An estimated 5 lakh SHGs covering around 60 lakh members are expected to be digitised in the 100 districts across 22 states and one UT, where EShakti is under implementation during current year.
Skill Development 
Promoting an entrepreneurial culture among the rural youth and encouraging them to start enterprises in the rural off-farm sector has been our strategy for over three decades. The capacity development measures initiated by NABARD have covered 33,812 skill and entrepreneurship development programmes in association with our partner agencies with grant assistance of ₹135.45 crore. These measures have cumulatively covered over 8.71 lakh unemployed rural youth in the country as on 31 March 2019. 
Marketing Initiatives
For providing marketing opportunities to rural artisans and producers and have traditionally facilitated their participation in exhibitions across the country. In 2018-19, we enabled artisans to participate in 360 melas and exhibitions with financial assistance of ₹ 5.28 crore.
Incubation Centres
To commercialise innovations and to shape agri entrepreneurship in the country, we extended support to Chaudhary Charan Singh Haryana Agricultural University, Hisar and Tamil Nadu Agricultural University, Madurai for establishing Agri Incubation Centres with a total financial commitment of ₹23.99 crore.