Citizen’s Charter


National Bank for Agriculture and Rural Development (NABARD) was established on 12 July 1982 by an Act of the Parliament. NABARD, as a Development Bank, is mandated for providing and regulating credit and other facilities for the promotion and development of agriculture, small scale industries, cottage and village industries, handicrafts and other rural crafts and other allied economic activities in rural areas with a view to promoting integrated rural development and securing prosperity of rural areas, and for matters connected therewith or incidental thereto.


Development Bank of the Nation for Fostering Rural Prosperity.


Promote sustainable and equitable agriculture and rural development through participative financial and non-financial interventions, innovations, technology and institutional development for securing prosperity.


NABARD is wholly owned by Government of India.


NABARD, with its Head office at Mumbai, has 31 Regional Offices located in States and Union Territory, a cell at Srinagar, 04 Training Establishments in the Northern, Eastern & Southern parts of India and 414 District Development Managers functioning at district level. NABARD has 2243 professionals supported by 1130 other staff. (Data pertains to 31 March 2021 - CoB).


The major functions of NABARD include promotion and development, refinancing, financing, planning, monitoring and supervision.

Non-credit related:

  • Credit Planning and Monitoring, Coordination with various agencies and institutions.
  • Assist in policy formulation of GoI, RBI and State Governments on matters related to agricultural credit and rural development.
  • Institutional development and capacity building of Cooperatives and Regional Rural Banks (RRBs) to strengthen the rural credit delivery system. Statutory inspection of Regional Rural Banks (RRBs), State Cooperative Banks and District Central Cooperative Banks (DCCBs), voluntary inspection of State Cooperative Agriculture and Rural Development Banks (SCARDBs) and their off-site surveillance.
  • Promotional and developmental initiatives in the areas of farm, off-farm, micro finance, financial inclusion, Convergence with Govt sponsored programmes.
  • Supporting the financial inclusion efforts of Regional Rural Banks and Cooperative Banks.
  • Thrust on promotion of livelihood opportunities and Micro Enterprises.
  • Capacity Building of Personnel and Board Members of Credit Cooperatives and Staff of Rural Financial Institutions.
  • Support to research and development, rural innovations, etc.  

Credit related:

  • Refinance to Rural Financial Institutions for investment credit (long term loan) and production and marketing credit (short term loan) purposes for farm and off-farm activities in rural areas.
  • Loans to State Governments for developing rural infrastructure and strengthening of the Cooperative Credit Structure
  • Loans for warehousing infrastructure to State Governments, State/ Central government Owned/ assisted entities, Cooperatives, Federation of cooperatives, Farmers’ Producers Organizations,(FPOs), Federations of Farmers’ Collectives, Primary Agricultural Credit Societies (PACS) / Cooperative Marketing Societies (CMS) or similar institutions, Corporates/ Companies, Individual entrepreneurs, etc.,  
  • Direct lending to Cooperatives and Producers’ Organization, support to State owned institutions /corporations under NABARD Infrastructure Development Assistance and direct lending to individuals, partnership firms, corporates, NGOs, MFIs, Farmers’ collectives etc. under Umbrella Programme for Natural Resource Management (UPNRM)
  • Pass through agency of select Government of India Capital Investment Subsidy Schemes. 


Credit related

Scheduled Commercial Banks
State Governments
State Owned Bodies and Corporations
Regional Rural Banks
State Cooperative Banks
District Central Cooperative Banks  
State Cooperative Agriculture & Rural Development Banks  
Scheduled Urban Cooperative Banks
Small Finance Banks
Non-Banking Finance Companies
Farmers’ Collectives and Producers’ Organisation  
Corporates/ Companies, individual entrepreneurs, SPV under PPP mode, etc, for projects under Warehouse Infrastructure Fund. 

Development Oriented

Rural Financial Institutions
NGOs and Voluntary Agencies
Development and Self Employment Training Institutions
Self-Help Groups 
Rural Innovators
Joint Liability Groups
Farmers’ Clubs
Research Organisations  

Grievance Redressal Mechanism

General Grievances from public are attended to by the Corporate Planning Department at Head Office, Mumbai. (Tel No. 022- 26530106). 
The grievances pertaining to Customer Services of Cooperative Banks (other than Urban Cooperative Banks) and Regional Rural Banks (RRBs) are being attended to by the Department of Supervision, Corporate Office, Head Office, Mumbai (022-26530017) 
NABARD receives VIP references directly from various ministries of GoI. VIP references are replied on priority. All other complaints received directly or through Public Grievance Portal are to be disposed within 60 days as per GoI guidelines. 

Information for Citizens :

NABARD has designated following officers for Redressal of Public Grievances:

Chief Grievance Redressal Officer

Shri T Ramesh 
Corporate Planning Department,
2nd Floor, C Wing
NABARD Head Office
Plot No. C-24, ‘G’ Block 
Bandra Kurla Complex
Bandra (East)
Mumbai - 400051  
Tel : 022-26539199
E-mail :

Grievance Redressal Officer (PG Portal)

Shri Sunil Kumar
Corporate Planning Department, 2nd Floor, C Wing
NABARD Head Office
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex
Bandra (East)
Mumbai – 400051
Tel : 022-26539369
E-mail :
NABARD has designated Shri Ramendra Pal Singh, Deputy General Manager, Head Office, Mumbai (Tel No.(022 26539127) as the Central Public Information Officer. In his absence, Smt Shefali Agrawal, Deputy General Manager, Head Office, Mumbai (Tel No. (022-26539274) will be the Central Public Information Officer ‘under RTI Act, 2005’. The address of the above officers are as follows:
National Bank for Agriculture and Rural Development
Head office
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex
Bandra (East)
MUMBAI 400 051.
The Chief General Manager/Officer in Charge in Regional Offices will deal with all queries relating to the Regional Office concerned, client/partner institutions, other institutions/authorities and outside persons within the state/jurisdiction of the Regional Office. He will also deal with all requests received from staff of the Regional Office as also the retired staff and staff settled in the state.

Appellate Authority under RTI Act :

Shri N P Mohapatra
Chief General Manager
5th Floor, E Wing
NABARD Head office
Plot No C – 24, G Block
Bandra Kurla Complex
Bandra (East)
Mumbai – 400051
Tel No. : (022) 26524843
E-mail :

Alternate Appellate Authority :

Shri Asit Kumar Mohanty
Chief General Manager
8th Floor, D Wing
NABARD Head office
Plot No C – 24, G Block
Bandra Kurla Complex
Bandra (East)
Mumbai – 400051
Tel No. : (022) 26530068
E-mail :

Transparency Officer :

Smt Rosie Tshering
Chief General Manager 
4th Floor, E Wing,
NABARD Head office
Plot No. C-24, ‘G’ Block
Bandra Kurla Complex
Bandra (East)
MUMBAI 400 051
Tel. 022-68120045
E-mail :
Citizen Charter is not a legal document creating rights and obligations. This charter has been prepared to give information on various major activities relating to NABARD.