Journal articles: 'NABARD'

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Arjunwade, Santosh Maruti, and Naganath Dnyanoba Banasode Dr. "Role of NABARD in Agriculture Development." International Journal of Advance and Applied Research S6, no. 16 (2025): 275–79. https://doi.org/10.5281/zenodo.15145934.

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NABARD is set up by the Government of India as a development bank with the mandate of facilitating credit flow for promotion and development of agriculture and integrated rural development. The mandate also covers supporting all other allied economic activities in rural areas, promoting sustainable rural development and ushering in prosperity in the rural areas. With a capital base of Rs 2,000 crore provided by the Government of India and Reserve Bank of India, it operates through its head office at Mumbai, 28 regional offices situated in state capitals and 391 district offices at districts. The objective of this research is To Study about of NABARD bank. And NABARD Role in Agricultural sector development. Research is based on secondary data. The various functions of NABARD are Credit Functions, Developmental and Promotional Functions, Supervisory Functions, Institutional and Capacity building, Role in Training etc. The paper attempts to analyze the role of NABARD and its functioning in development of rural India.

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Kavita, Kisan Bhoye. "NABARD's Gender Policy & Programs For Women's Development." International Journal of Advance and Applied Research 3, no. 6 (2022): 23–27. https://doi.org/10.5281/zenodo.7404321.

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The microfinance institutions started with the intention of creating financial support to the rural population, which has been neglected by many financial institutions. Micro-finance institutions have proved that rural population is bankable. The initiatives of financial intermediaries can create a dent in the development of financial credit network amongst rural population.  Nabard provides financial assistance to people in rural areas with the aim of helping them become financially empowered and self-reliant. Nabard has developed a special gender policy for women and has launched various programs for the development of women through Nabard. This paper provides information about different types of supporting pogrammes implemented by nabard for gender policy and women Empowerment.

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Kavita, Kisan Bhoye. "NABARD's Gender Policy & Programs For Women's Development." International Journal of Advance and Applied Research 3, no. 6 (2022): 23–27. https://doi.org/10.5281/zenodo.7420963.

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Abstract The microfinance institutions started with the intention of creating financial support to the rural population, which has been neglected by many financial institutions. Micro-finance institutions have proved that rural population is bankable. The initiatives of financial intermediaries can create a dent in the development of financial credit network amongst rural population.  Nabard provides financial assistance to people in rural areas with the aim of helping them become financially empowered and self-reliant. Nabard has developed a special gender policy for women and has launched various programs for the development of women through Nabard. This paper provides information about different types of supporting pogrammes implemented by nabard for gender policy and women Empowerment.

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Tanmay Sarker. "Impact of Growth and Sustainability of NABARD towards Rural India." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 09 (2024): 3027–33. http://dx.doi.org/10.47392/irjaem.2024.0447.

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Finance is the lifeblood of any organization. The agriculture sector also relies heavily on the usage of credit. Timely and adequate credit is an essential step in increasing production. To cater to the credit requirements, many agencies have come up. National Bank for Agriculture and Rural Development (NABARD) is India's top or apex agricultural and rural development financial body. It is the country's major financial institution for rural development, with the goal of becoming the nation's development bank to promote rural prosperity. Indian economy is agricultural economy and real India lies in villages. Without the development of the rural economy, the objectives of economic planning cannot be achieved. Hence, banks and other financial institutions are considered to be a vital role for the development of the rural economy in India. NABARD are playing a pivotal role in the economic development of the rural India. NABARD is a lifesaving institution for many rural families. This paper aims to understand the government sponsored schemes taken by NABARD. NABARD would work to achieve its goals by encouraging sustainable farming through credit, spreading awareness of precision farming, organic farming, and encouraging market orientation in the production process. This paper tries to highlight the contribution of NABARD in Agriculture and Rural development in India.

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Tarannum Jahan, Arfath Jahan, L Manjula, Lubna Ruheen, Madigani Sravanthi, and Madiha Fatima Maryam. "A Study on Agricultural Loans offered by NABARD to Farmers." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 04 (2024): 860–65. http://dx.doi.org/10.47392/irjaem.2024.0115.

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This study delves into the comprehensive landscape of agricultural loans disbursed by the National Bank for Agriculture and Rural Development (NABARD) to farmers in India. The research scrutinizes the varied purposes for which these loans are extended, encompassing crop cultivation, animal husbandry, dairy farming, poultry, fisheries, and agro-processing. Emphasizing the different loan types – short-term, medium-term, and long-term – the investigation explores the interest rates associated with each category and evaluates the role of government subsidies in enhancing affordability. Additionally, the study investigates the credit delivery mechanism facilitated by NABARD through cooperative banks, regional rural banks, and commercial banks, ensuring an inclusive approach to reach farmers across diverse strata. The research underscores the technological impetus provided by NABARD, encouraging farmers to adopt modern agricultural practices and technologies. Special attention is given to risk mitigation measures, including crop insurance, designed to shield farmers from losses arising due to unforeseen circumstances. Keywords: NABARD, Agricultural Loans, Farmer Financing, Credit Delivery, Government Subsidies, Rural Development, Risk Mitigation, Financial Inclusion, Technological Adoption, Indian Agriculture.

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Dr., P. Narayanasamy. "IMPACT OF NABARD'S REFINANCE OPERATIONS ON THE BENEFICIARIES IN SIVAGANGAI DISTRICT - INDIA." International Journal of Interdisciplinary Research in Arts and Humanities 3, no. 1 (2018): 147–54. https://doi.org/10.5281/zenodo.1207199.

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This paper reviews the contribution of National Bank for Agriculture and Rural Development (NABARD) in rural development and roles it has been playing in propping up this sector in terms of refinancing operations for agriculture and rural development. From its inception NABARD is providing finance for agriculture and rural development under various schemes through different financial institutions in the name of refinance support. One could hardly find an institution of a similar nature in the banking sector anywhere else in the world. It combines the roles of a central bank, a development agency, a financial institution, an infrastructure funding agency, a microfinance institution, a planning board and an apex-level policymaker. Previous experiences of financial institution show that small credits have proven feasible of lending to the poor for the rural development. For many years, financial institutions viz. Commercial Banks(CBs), Sivagangi District Central Cooperative Banks(CDCCBs) and  Pandian Grama Banks (PGBs) in the  Sivagangai District of  Tamil Nadu have been providing credit to the farmers, rural artisans and small business men under different schemes for which NABARD is giving refinance support to them. Earlier, several studies have been undertaken to assess the impact of refinance operations of NABARD by individual researchers, financial institutions, Committees, Commissions and Government. But area specific studies are comparatively very limited in number. In a vast country like India with varying agro-climatic and socio-economic conditions, location specific studies are required. It is indispensable to assess the impact of NABARD’s refinance operations on the beneficiaries of above said financial institutions in Sivagangai District, with a view to provide necessary information to the bankers and government about changes in income and assets of the rural people which will assist them in further policy making and to show the impact of refinance operations of NABARD in elimination of rural poverty. Though the study is restricted to Sivagangai district of Tamil Nau, the conclusions of the study is will be relevant to all districts or areas with similar agro-climatic and socio-economic conditions.

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Sheikh, Nasir Uddin, and Raja Narayanan. "A prospective study of various services utilization under the WADI project of NABARD by Tribal Women of Goalpara District." International Journal of Professional Business Review 7, no. 3 (2022): e0654. http://dx.doi.org/10.26668/businessreview/2022.v7i3.e0654.

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Purpose: The purpose of the Study is to evaluate challenges and opportunities of various services utilization under the WADI project of NABARD by Tribal Women of Goalpara in the prospective of study design. Theoretical Framework: There is a significant role of the National Bank for Agriculture and Rural Development (NABARD) in the socio-economic development of India in the perspective of the development of a sustainable development approach of livelihood for underprivileged people in the backward regions of India. In these consequences, a project of Wasteland Development in India (WADI) is a master plan NABARD for socio-economic development in the backward region of India, especially for promoting a sustainable development approach for scheduled tribes of India. Approach: The study is based on the review of related literature to study the various service utilisations under the WADI projects in the Goalpara district of Assam. For the purpose of the study various literatures, books, magazines, papers, newspapers and articles have been reviewed. Literature search revealed 121 articles or 99 abstracts, and citations showed 22 investigations. 39 publications did not meet the study's inclusion requirements, and 32 abstracts were rejected, 23 from non-English sources. 27 relevant peer-reviewed publications were chosen based on the inclusion criteria. Finding and social Implications: The findings of the study show that the implementation of master projects of NABARD is based according to the socio-economic and cultural practices of tribal communities in the Goalpara district of Assam because these tribes are inherited in their cultural landscape, and this cultural landscape represents their association with agroforestry. From these perspectives, it is found that the Goalpara district is the most backward region of Assam, where scheduled tribes account for the major proportion of the population of the district. Additionally, the role of NABARD is to promote and lead the mechanism of women empowerment through projects of WADI in the Goalpara district. However, it is also found that many challenges and problems emerged in the implementation of WADI projects due to the lack of transport and communication facilities in the Goalpara district of Assam. Originality/Value: In these consequences, it can be valued that NABARD is providing a sustainable approach to socio-economic development for scheduled tribes through the help of NGOs and organizations of the central government and state government of Assam. A depth analysis was conducted to understand the mechanism of role of the tribal community in the context of WADI projects of NABARD in the perspective of tribal abundant zone of Assam in India.

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Ahmed, Abu Shafique, and Dr Sudip Chakraborty. "An Analysis of the Implementation, Outcomes, and Challenges of NABARD's Self-Help Group Bank Linkage Programme in Assam, India." Indian Journal of Economics and Finance 4, no. 2 (2024): 8–14. http://dx.doi.org/10.54105/ijef.b2580.04021124.

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Self Help Groups (SHGs) have become a powerful tool for reducing poverty and empowering women worldwide. (Parida and Sinha, 2010 [1]) The connection of these groups to formal banking institutions, an initiative led by the National Bank for Agriculture and Rural Development (NABARD) in India, has significantly enhanced their socio economic impact. Assam, which is a state with a variety of socio economic challenges, is playing a crucial role in promoting financial inclusion and grassroots development. This study examines the status of NABARDs SHG Bank Linkage Programme in Assam, examining its implementation, outcomes, and challenges. Focusing on Assam, with its unique socio cultural dynamics and developmental disparities, this research seeks to provide insights that can inform tailored policy interventions and program improvements.

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Thirunavukkarasu, Dr R., and Dr S. Thirunavukkarasu. "National Bank for Agriculture and Rural Development and the Growth of Self-Help Groups in India." JOURNAL OF DEVELOPMENT ECONOMICS AND MANAGEMENT RESEARCH STUDIES 10, no. 15 (2023): 50–35. http://dx.doi.org/10.53422/jdms.2023.101505.

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Achieving inclusive growth through micro finance will be a catalyst for accelerating the pace of economic growth with equity. NABARD has intensified its efforts for roping in new partners for promotion and bank linkage in regions where the growth of groups has not been commensurate with potential. Priority has been assigned to awareness building and for identification of NGOs and other partners in 13 priority states, which account for 70 per cent of rural poor in the country. The phenomenal growth rate of micro finance sector, especially the SHG bank linkage programme has posed number of issues and challenges which need immediate attention. There is a huge amount of regional variation in both credit deepening and credit widening, though a lot of measures are being implemented by NABARD through various agencies. This indicates that there is still a long way to go for the SHG movement and also for NABARD to attain the goal of socio-economic empowerment and also inclusive growth in the country.

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S. Selvaperumal. "The Impact of Refinance Scheme of Nabard on the Socio Economic Conditions of the Farmers." Journal of Information Systems Engineering and Management 10, no. 32s (2025): 167–73. https://doi.org/10.52783/jisem.v10i32s.5217.

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The purpose of "The Impact of the NABARD Refinance Scheme on the Socio-Economic Conditions of the Farmers" is to examine and assess how the socio-economic circumstances of Indian farmers are impacted by NABARD's refinance program. To assess the data, the study uses a quantitative research methodology. The majority of borrowers concurred that refinancing promotes economic growth. Policymakers can benefit from the study's conclusions regarding how well NABARD's refinance program improves the socioeconomic circumstances of farmers. Farmers who stated that the program assisted them in growing their businesses point to real prospects for company expansion and diversification. The refinance scheme's beneficial effects on farmers' socioeconomic circumstances may enhance communal well-being. Based on original data gathered from 80 borrowers, the study offers firsthand insights into the opinions and experiences of farmers who benefit from the refinance plan.

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Chaudhari, V. M., and Mayuri Farmer. "AN EMPIRICAL STUDY OF STRUCTURE AND PERFORMANCE OF STATE CO-OPERATIVE AGRICULTURE AND RURAL DEVELOPMENT BANKS AND AFFILIATED PRIMARY COOPERATIVE AGRICULTURE AND RURAL DEVELOPMENT BANKS IN INDIA." Gujarat Journal of Extension Education 33, no. 1 (2022): 41–52. http://dx.doi.org/10.56572/gjoee.2022.33.1.0010.

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In India,the Rural Co-operative credit structure includes 'Short Term Co-operative Credit Structure' and 'Long Term Co-operative Credit Structure'. LTCCS comprises SCARDBs (State Co-operative Agriculture and Rural Development Banks) and PCARDBs (Primary Co-operative Agriculture and Rural Development Banks), which mainly dispenses long term investment credit to farmers. As on 31st March 2020, the total number of operational units of fully functional 13 SCARDBs is 1719. Total members of LTCCS are 86.04 lakhs. NABARD continues to be the main source of funds for SCARDBs. Borrowings of functional SCARDBs stood at Rs. 7763.44 crores during the year 2019-20. Except Tripura SCARDB 12 out of 13 fully functional SCARDBs are now mobilizing deposits. The fund raised by the SCARDBs consist of borrowings, deposits and shares etc. which are utilized mainly for advancing loans and repayment to NABARD & other creditors. During 2019-20, total advances of SCARDBs were Rs. 3923.37 crores for farm & non-farm sectors. SCARDBs invest their funds to comply with statutory requirements as well as to deploy surplus funds. Most of the investment are parked either in fixed deposits with SCBs / CBs / DCCBs or other instruments such as Government Securities, NABARD bonds etc. Eight SCARDBs have achieved profit in 2019-20. The ground level recovery of SCARDBs is 38.60%. This structure needs to chalk out suitable and time bound viability action plans. They have to focus their attention towards improving the recovery performance for better rotation of funds lent. These banks need their attention towards improving quality of their assets and take all out steps to reduce their NPA level (34.42%) substantially to become eligible for refinance from NABARD. LTCCS is losing its importance in the policies and programs of Government, RBI, NABARD etc., due to its declining performance in the last ten years, in specific in the recent four years from 2017-18. Major areas of concern which are hampering the progress of SCARDBs & PCARDBs shall be tackled with immediate corrective steps.

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Sumathy and Akshaya Das. "NABARD: An Approach to Agriculture." Jurnal Multidisiplin Madani 4, no. 7 (2024): 957–62. http://dx.doi.org/10.55927/mudima.v4i7.4281.

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To estimate the amount of agricultural credit disbursed, the study, which looked at the percentage of term loans in total agriculture by different types of banks, was done. Many secondary sources, including the NABARD annual report, publications from the RBI, and a number of periodicals, were used to compile the study's data. According to the study's findings, term loans accounted for a sizeable share of the credit granted by commercial banks

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R Mathavan and G.Prema. "Financial Statement Analysis of NABARD." International Journal of Science and Research Archive 8, no. 2 (2023): 516–19. http://dx.doi.org/10.30574/ijsra.2023.8.2.0274.

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Financial statements” refer to proper and unique statements prepared by a business concern to disclose its financial information. The current financial position of the bank is strong because the current assets has excess on current liabilities. The NABARD trained their greatest to develop their facilities in the last three years, but it is additional estimated, and in the close future we would like to see every family having their quality of life. The growing trend in membership, working capital and deposits shows an indeed encouragement. Proper implementation of the Revival Package from NABARD and conforming to the rules and regulations specified by RBI from time to time for restructuring. The results of the present study may help to provide some instructions for increasing effective financial facilities in the rural financial sector which is one of the methods of poverty alleviation in the country.

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Dr., Sudip Chakraborty. "An Analysis of the Implementation, Outcomes, and Challenges of NABARD's Self-Help Group Bank Linkage Programme in Assam, India." Indian Journal of Economics and Finance (IJEF) 4, no. 2 (2024): 1–6. https://doi.org/10.54105/ijef.B2580.04021124.

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Abstract: Self Help Groups (SHGs) have become a powerful tool for reducing poverty and empowering women worldwide. (Parida & Sinha, 2010 [1]) The connection of these groups to formal banking institutions, an initiative led by the National Bank for Agriculture and Rural Development (NABARD) in India, has significantly enhanced their socio-economic impact. Assam, which is a state with a variety of socio-economic challenges, is playing a crucial role in promoting financial inclusion and grassroots development. This study examines the status of NABARD's SHG Bank Linkage Programme in Assam, examining its implementation, outcomes, and challenges. Focusing on Assam, with its unique socio-cultural dynamics and developmental disparities, this research seeks to provide insights that can inform tailored policy interventions and program improvements.

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x, Suresh. "NABARD: Fostering Rural Prosperity and Agricultural Development." International Journal of Science and Research (IJSR) 12, no. 12 (2023): 1150–51. http://dx.doi.org/10.21275/mr231213191050.

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Kumar, Ranjana. "Financing Agricultural Development Role of Nabard." Indian Journal of Public Administration 50, no. 3 (2004): 580–95. http://dx.doi.org/10.1177/0019556120040306.

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Yadav, Pooja, Ashu Yadav, and Priyanka . "Promoting Micro-Enterprises through Micro-Enterprise Development Programs (MEDPs)." International Journal for Research in Applied Science and Engineering Technology 10, no. 10 (2022): 753–56. http://dx.doi.org/10.22214/ijraset.2022.47083.

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Abstract: Micro-Enterprise Development Program (MEDPs) focuses on intensive training and handholding on various aspects for SHGs members into entrepreneurs. The aim of the study is to highlight the features, aims and benefits of the MEDP and analyze the performance of MEDPS. For achieving the objectives, researchers use the secondary data. The secondary data collected by NABARD annual reports, research articles, reports and websites. The data collected from the year MEDPs launch 2006 to 2020. Descriptive statistics can be used for analysis. The study. Found that the MEDP was a successful program of NABARD that enhanced the skill of SHGs who were already taking financial assistance from banks under SHG BLP. Nearly five lakh members of SHGs were trained under MEDPs and thousands of members successfully started their micro-enterprises and ran it.

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Rajkumar, K. Prabakkar. "Administration of Micro-credit by National Bank." Ushus - Journal of Business Management 6, no. 2 (2007): 18–24. http://dx.doi.org/10.12725/ujbm.11.2.

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The United Nations has designated the year 2005 as the "International year of Micro-Credit". The Micro Finance (MF) initiatives of NABARD have evolved as a sustainable social movement over a decade by now. The design and content of these innovations have remained dynamic in tandem with the changing needs of the micro finance sector in the Country. These initiatives have attracted the attention of a wide range of stakeholders. Large number of formal and informal agencies has joined the NABARD in this unique process of soda-economic engineering. The relevance of the micro finance programme was greatly enhanced the interest of all participants through the core strategies of SHG — bank linkage, which was built around a simple but basic aspect of human nature — the feeling of self-worth.

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Shivalingaiah. "WOMEN EMPOWERMENT THROUGH MICRO FINANCE OF NABARD." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 236–40. https://doi.org/10.5281/zenodo.2650060.

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National Bank for Agriculture and Rural Development (NABARD) established as an apex rural development bank in the year 1982, through an Act of Parliament, to provide refinance for agriculture, allied activities, small scale industries, cottage village industries, rural artisans and crafts in an integrated manner.

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Pankaj, Kumar. "An Analysis on Contribution of All India Refinancing Institutions in SME, Housing and Agricultural and Rural Development: Case of India." International Journal of Engineering and Management Research 13, no. 5 (2023): 110–20. https://doi.org/10.5281/zenodo.12897235.

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This research work examines assistance sanctioned and disbursed by the All India Refinancing Institutions contributed to development finance from 1984 to 2023. The financial assistance sanctioned and disbursed for development finance is the base information that is retrieved from different annual reports of RBI, NABARD, SIDBI and NHB. A simple descriptive technique is used to obtain the results, address the gap and satisfy the defined objectives. The output revealed that AIRFI has been maintaining its growth trends i.e. average growth rate of sanction and disbursement is sixteen and fifteen per cent respectively. The average unused fund is also at eight per cent which is at benchmark and under control. The thirty-nine years annual average sanction and disbursement growth rate at 0.41 and 0.39 per cent p.a. respectively, and the annual unused fund percentage growth rate at 0.22 per cent p.a. which is also at the benchmark. At the firm level, the continuous better contribution of NABARD in the last thirty-nine years for agriculture and rural sector growth is outstanding. The contribution of SIDBI and NHB is also very good for MSME and housing sector growth. Although the ratio of unused funds to the sanctioned amount of SIDBI is high during this period, it should be addressed by the government. If the union government want more growth from these sectors additional financial facilities are required to strengthen NABARD, SIDBI and NHB for further growth. Other financial institutions must understand the working mechanism of AIRFI to compete in the competitive world.

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Navya, Baireneni, B. Jamuna Rani, M. Prasuna, K. C. Gummagolmath, B. Anila Kumari, and A. Meena. "Factors Influencing the Role Performance of Board of Directors of Selected Farmer Producer Organisations (FPOs) in Telangana State, India." Journal of Scientific Research and Reports 31, no. 6 (2025): 356–65. https://doi.org/10.9734/jsrr/2025/v31i63133.

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The Board of Directors (BoDs) play a crucial role in the functioning of Farmer Producer Organisations (FPOs), acting as essential intermediaries between farmers and institutional or governmental stakeholders. Their responsibilities are varied and intricate, encompassing planning and registration, procurement, processing, marketing, and interaction with financial institutions and government departments. The present study was conducted on Board of Directors of NABARD promoted FPOs in Telangana state. The samples were selected randomly from mixed FPOs and women FPOs i.e., 60 men BoDs and 60 women BoDs from mixed FPOs and 60 women BoDs from women FPOs. Thus constituting to sample of 180 respondents. The chi-square analysis determined that there was a significant difference in the impact of administrative, education and family support variables on the roles of BoDs. Hence, NABARD should consider some of family sensitization programs, economic literacy trainings, and the empowerment programmes for women to enhance the effectiveness and participation of both women and men BoDs in FPO activities.

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Pandey, Bhaskar. "Status of Microfinance in India: A Review of Growth and Current Perspective of SHG-Bank Linkage Program in India." Shodh Samarth- Research Journal of Commerce, Management & Economics 01, no. 01 (2024): 122–32. https://doi.org/10.5281/zenodo.11100710.

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Over the past few years, there has been a remarkable evolution in the Indian microfinance sector. The Microfinance Institution (MFI)-Bank Linkage Model and the SHG-Bank Linkage Model (SHG-BLM) are the two main models used in India to deliver microfinance. The most effective widely utilized microfinance model in India is the SHG-BLP, which was created by NABARD. The SHG-BLP was first introduced by the National Bank for Agriculture and Rural Development (NABARD) in February 1992. Under this program, banks were linked to Self Help Groups (SHGs) to distribute credit as well as savings. Since 1992, the program has expanded greatly and gradually covers the all reasons for the country. Due to its scale and the number of people it serves, the SHG Bank Linkage Programme (SHG-BLP) is currently the largest microfinance initiative globally. In this background, the paper attempts to study the current status and progress made under the SHG-Bank Linkage Model in India.

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Jayant, Dr Jai, and Chandra Dev Bhatt. "An Overview of Sustainable Development through Micro Finance: A Study of Self Help Group – Bank Linkage Program in Central Region of India." Journal of University of Shanghai for Science and Technology 23, no. 05 (2021): 294–318. http://dx.doi.org/10.51201/jusst/21/05139.

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Micro finance is playing an important role in India for socio-economic development of those citizens who are economically and socially backward. Micro – finance have become a vital tool for promoting financial inclusion in the country. In India, as per 2011-12 censuses, 21.9% population was below poverty line. Self Help Group – Bank Linkage Program has been continuously working since its inception for alleviating poverty in the country. Self Help Group- Bank Linkage Program was started as a pilot project by National Bank for Agriculture & Rural Development (NABARD) in the year 1992. NABARD was established in the country in the year 1982 and since its establishment, it has been continuously working in analyzing most suitable financial policies, loan disbursement methods and other allied services for promoting financial inclusion in the country. The program had been proved an important channel for smooth operation of micro-finance in the country and a yard stick for measuring growth and development of socio- economic conditions of deprived and poor people. As a pilot project, NABARD aimed to finance 500 Self Help Groups in February 1992. It has shown a tremendous growth and reached to landmark increment in number of Self Help Groups which were 55.77 lakhs as on 31-03- 2020. The present study aims to find out the growth of micro finance through SHG- Bank Linkage Program by National Bank for Rural Development in Central Region of India during a decade period ending financial year 2020. The study would analyze the Savings of SHGs’ with Banks, Bank Loans disbursed to SHG’s and Bank Loan outstanding against SHGs’ during above mentioned period.

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David, Dr Alice Esther. "Growth and Performance of Self Help Group’s - An Exploratory Study." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 11 (2024): 1–6. http://dx.doi.org/10.55041/ijsrem38396.

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Today there are Mainstream Micro Finance Institutions like National Agricultural Bank for Rural Development (NABARD), Small Industries Development Bank of India (SIDBI) etc., which are creating micro credit, in rural areas by extending micro finance to Self Help Group (SHG’s) with the help of formal credit institutions, making it an effective poverty reducing strategy and simultaneously promoting rural development. SHG’s were initiated to empower the economically disadvantaged people, who were neglected by formal credit and savings institutions. Micro finance has shown that poor people, when given access to timely and responsive financial assistance, use the proceeds to not only increase their assets and income, but also repay their debts. NABARD, through its Micro Credit Innovations, is the facilitator and mentor of microfinance initiatives in the country. The model of Self help group- bank linage programme (SBLP) has evolved as a cost-effective mechanism for providing financial services to the unreached and deserving poor households. The initiative started as a pilot to link around 500 SHGs of poor to the formal financial institutions during the year 1992-93.The success of the pilot program has shown that Micro Finance can go beyond poverty reduction, to addresses issues of health, education, gender and over all development The present paper is a comparative study of the agency wise i.e. commercial banks, regional rural banks, and cooperative banks, performance in the SHG’s - bank linkage program in Telangana, from2014-18,. The paper also presents an in-depth, analysis of the number of self-help groups, Amount of savings outstanding, amount of loan outstanding of the SHGs, , and total loans disbursed to them through SBLP, generating micro credit to reduce poverty and boost rural development. Key words: NABARD, Micro Finance, SHG’s, SBLP, poverty reduction, rural Development,

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Satya, Ranjan Doley. "SELF HELP GROUP –BANK LINKAGE PROGRAM: AN EMPIRICAL STUDY." International Journal of Marketing & Financial Management 2, no. 8 (2014): 18–28. https://doi.org/10.5281/zenodo.10804422.

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Abstract The SHG-Bank Linkage Program (SBLP) was launched in 1992 as a flagship program by National Bank for Agriculture and Rural Development (NABARD). SHGs play pivotal role in socio economic empowerment of the rural people particularly the women folk.  The basic research objective of the study is to study the performance evaluation of SHG-BL program promoted by the government under micro finance model. The research study is basically based on primary sources of data. The researcher also obtained the secondary sources of data. The researcher had selected 42 groups as sample size for this study. The researcher had made use of non probability convenience sampling technique. The researcher undertook the present study in khowang block of Dibrugarh district. This program is giving opportunity to the weaker section of the society to involve in various social activities, income earning activities and asset creation. But the performance evaluation of SHG- BL program is concerned, it is not up to the expectation which is evident from the present study. Keyword: SBLP, NABARD, SHGs, microfinance, empowerment.

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Ramakrishna, Dr. "NABARD: A Financial Inclusion through Regional Rural Banks RRB’s in India." International Journal of Trend in Scientific Research and Development Volume-2, Issue-2 (2018): 257–61. http://dx.doi.org/10.31142/ijtsrd8341.

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Chikkarangaswamy. "ROLE OF NABARD IN RURAL DEVELOPMENT PROGRAMMES IN KARANATAKA." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 257–62. https://doi.org/10.5281/zenodo.2806950.

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The Indian rural sector is an important segment of the economy. The basic reason for the slow economic development in our country is due to the neglect of this sector. Since this fact was realized by the Indian government in regard to rural development which was given top priority.

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Bakshi, Prakash. "Empowering the Poor Women for Community Development: A Unique Programme in Alappuzha Town of Kerala." Vikalpa: The Journal for Decision Makers 20, no. 1 (1995): 3–12. http://dx.doi.org/10.1177/0256090919950101.

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While a few voluntary agencies such as SEWA Bank in Ahmedabad, MYRADA in Bangalore, and Andhra Mahila Sabha in Hyderabad have been making constant efforts to empower the poor women, the decision-making power has remained in the hands of the individuals who pioneered such efforts. In this article, Prakash Bakshi discusses a new approach of empowering the poor women of Kerala which has been nurtured by NABARD, state government, and UNICEF and not by a few dedicated individuals.

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Dr., Ramakrishna. "NABARD A Financial Inclusion through Regional Rural Banks RRB's in India." International Journal of Trend in Scientific Research and Development 2, no. 2 (2018): 257–61. https://doi.org/10.31142/ijtsrd8341.

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Financial inclusion is stepping stone for inclusive growth. Banking sector has witness's tremendous changes in recent period in terms of advancement in technology like internet banking, transfer money online, debit card and credit card facility etc. Still financial inclusion looks like a long unachievable dream. Regional rural Banks play a vital role in rural development of India and to spread financial inclusion. Regional Rural Banks are setup to take banking facilities to the door steps of rural households who are in need of easy and cheap credit. These are institutions which strive to turn dream into reality. The objective of economic planning can never be achieved unless we uplift the rural economy and rural people of India. This study is based on secondary data collected form annual reports of NABARD, RBI and other financial institutions. The study finds and concludes that Regional Rural Banks have significantly made financial inclusion a reality. The study will help researchers, academicians and policy makers to try and the reach more in depth into the bottom of pyramid. Dr. Ramakrishna "NABARD: A Financial Inclusion through Regional Rural Banks (RRB's) in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-2 , February 2018, URL: https://www.ijtsrd.com/papers/ijtsrd8341.pdf

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Dr. M. S. Vasu, Dr M. S. Vasu, and Dr K. Jayachandra Dr. K. Jayachandra. "Role of Nabard Through Redps/Sdps For entrepreneurship develpment in Rural India." Indian Journal of Applied Research 4, no. 4 (2011): 63–64. http://dx.doi.org/10.15373/2249555x/apr2014/17.

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Sharma, M. R. "ROLE OF NABARD IN CREDIT SUPPORT FOR DEVELOPMENT OF HORTICULTURE." Acta Horticulturae, no. 696 (November 2005): 577–81. http://dx.doi.org/10.17660/actahortic.2005.696.101.

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Nagdive, Veena D. "Contribution of Nabard In Agriculture and Rural Development of India." Sanshodhan 8, no. 1 (2019): 31. http://dx.doi.org/10.53957/sanshodhan/2019/v8i1/142807.

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Bharatisha Rao, R. S., M. S. Sreekanth, and Savitha Trivedi. "The Role of NABARD in Promoting Self Help Groups (SHGs’)." Adarsh Journal of Management Research 3, no. 2 (2010): 33. http://dx.doi.org/10.21095/ajmr/2010/v3/i2/88963.

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P.B REDDY, P. B. REDDY, SHALINI CHENNAMARAJU SHALINI. CHENNAMARAJU, and Dr MORUSU SIVA SANKAR. "Women Self Help Groups in Andhra Pradesh Role of Nabard." International Journal of Scientific Research 2, no. 12 (2012): 88–89. http://dx.doi.org/10.15373/22778179/dec2013/28.

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Vithalbhai, Vasani Sureshbhai. "An Analytical Study of Selected Development Banks in India." Journal La Bisecoman 2, no. 4 (2021): 7–14. http://dx.doi.org/10.37899/journallabisecoman.v2i4.427.

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The economic development of any country depends on the extent to which its financial system efficiently and effectively mobilizes and allocates resources. After the Second World War, Industrialized and less developed countries have tried to bridge long-term financing needs through the creation of national development banks for finance so, the researcher wanted to know about financial parameters related to developmental banks and to study an analytical study of selected banks. The researcher has used components like Deposits, Investments, Loans and Advances, Borrowings, Fixed assets, and other assets to an analysis of performance. The researcher has selected the period of study 6(six) years which are 2014-15 to 2019-20. The researcher has used the ANOVA test for the analysis of the performance of selected Development Bank in India. The researcher has found the highest amount of deposit has been found in NABARD and SIDBI and EXIM on second and third rank respectively. The trend of deposit in SIDBI, NABARD shows a continued upward trend, but in EXIM bank deposits shows decreasing level by comparing to the base year. During the period of study in 2018 trend of deposits decreased by 9.27 in EXIM bank. By applying ANOVA deposits of three selected development banks found 8.49 is calculated value and 3.68 is table value at the 5% level of significance, so, the null hypothesis is rejected it means there is a significant difference in the Deposits and other finding included in the research paper.

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Srivastava, Sripal, Jaideep Sharma, and Sandeep Kumar Gupta. "AN ANALYSIS OF POVERTY ALLEVIATION EFFORTS IN RURAL INDIA IMPACT OF MICRO-FINANCE WITH SELF-HELP GROUP-BANK LINKAGE SCHEME." Financial and credit activity problems of theory and practice 6, no. 59 (2024): 603–12. https://doi.org/10.55643/fcaptp.6.59.2024.4554.

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During the 1990s numerous structural adjustment programs have been implemented across the world for eradicating poverty. The government of India has also made innumerable efforts to address poverty, but still, the rate of poverty is still high in comparison to other developing nations. Data also suggest that the rate of savings is also accelerating but this is not distributed equally. The policies of liberalization, globalization and privatization during the 1990s resulted in the growth of the economy of the country during 1999-2000 and 2004-2005. However, it failed to eradicate poverty uniformly in the different regions of the country. To uplift the rural parts of this county, the National Bank of Agriculture and Rural Development (NABARD) implemented a self-help groups bank linkage program in 1992. This was done to boost microfinancing in rural parts of India through self-help groups.Microfinancing programs have been used by many countries across the world to facilitate the availability of banking facilities to economically weaker people. NABARD implemented this program in 13 states for penetrating financial services to the disadvantaged population. Researchers have noted that microfinancing programs have helped people affiliated with the SHGs in getting credit help. However, it has been found that many women have joined these groups to gain banking help and address gender inequality (Malhotra, 2016). Research scholars have noted that most of the people in these groups have a need for financial assistance for income generation activities, for clearing debt or for social purposes.

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Ajay. "A Study of Regional Rural Banks in the Present Scenario of India." RESEARCH REVIEW International Journal of Multidisciplinary 8, no. 1 (2023): 17–22. http://dx.doi.org/10.31305/rrijm.2023.v08.n01.003.

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Regional Rural Banks play a crucial role in the agriculture and rural development of India. RRBs successfully achieved the target of taking banking to the doorstep of rural households to avail easy and cheaper credit facility and other financial services. The main objectives of this study are to find the Need, Functions, Objectives, and Challenges of RRBs as well as also study the financial statement of RRBs. Which was published by NABARD (Mumbai) to find how many RRBs survive today and in which state or district they cater their services.

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Sharma, Vinay, Prasoom Dwivedi, and Piyush Seth. "Capability Approach." International Journal of Asian Business and Information Management 2, no. 3 (2011): 54–62. http://dx.doi.org/10.4018/ijabim.2011070105.

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This paper acknowledges the role of entrepreneurship for the development of the process of sustained livelihood. The paper proposes a systematic usage of the ‘Capability’ approach (Sen, 2000) as the basis of the methodology applied by agencies having objectives in lieu with the process of sustained livelihood, because of the wider applicability and span of this approach. Taking examples of rural non-farm sector schemes of NABARD (National Bank for Agriculture and Rural Development), the proposition of the usage of ‘Capability’ approach emphasizes the emergence of better criterion for measuring the effectiveness of the implementation of such schemes.

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Taskar, AkshayRamesh, and Vipul Garg. "EMERGING TRENDS AND PRACTICES IN CSR IN NABARD AND IDBI BANK." International Journal of Advanced Research 6, no. 1 (2018): 1320–24. http://dx.doi.org/10.21474/ijar01/6354.

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Narnaware, Dr Prashant, and Om Prakash Shukla. "NABARD empowers tribal livelihoods and environment in Maharashtra through Wadi project." International Journal of Humanities and Education Research 6, no. 1 (2024): 71–76. http://dx.doi.org/10.33545/26649799.2024.v6.i1b.74.

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Tanmay Sarker. "Performance of RRBs in pre-Merger and post-Merger period." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 03 (2024): 281–89. http://dx.doi.org/10.47392/irjaem.2024.0042.

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Regional Rural Banks are established under the provisions of an ordinance promulgated on 26th September, 1975 and the RRB Act, 1976 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors. Reforms and mergers introduced by the Government of India in consultation with Reserve Bank of India (RBI) and National Bank of Agriculture and Rural Development (NABARD) in the year 1994-95 to 2005-06. So, there is a need to study the growth and financial performance of Regional Rural banks in India in pre-Merger & post-Merger period. The study is based on secondary data collected from annual reports of NABARD and RBI. In order to provide access to low-cost banking facilities to the poor rural banking in India was started. Rural banks in those days mainly focused upon the Argo sector. RRBs in India penetrated every corner of the country and extended a helping hand in the growth process of the country. This research aim is that to analyze the financial performance of RRBs before amalgamations and after amalgamations. As spread ratio comprises of Interest income earned and interest income expensed divided by total assets. The other financial indicators such as no. of RRBs, branches, district coverage, deposits and advances have shown growth but it is not significant growth. The Internal working group of the Reserve Bank of India (RBI) suggested that merger and amalgamation of Regional Rural Banks (RRBs) may help in improving their health and viability, even as it sought to bring in new banks both public and private as sponsors of the merged RRBs.

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Shashikala. "HUMAN RESOURCE DEVELOPMENT AND WOMEN EMPOWERMENT THROUGH NABARD'S SELF HELP GROUPS BANK LINKAGE PROGRAMME – A CASE STUDY OF MYSORE DISTRICT." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 67–73. https://doi.org/10.5281/zenodo.2566127.

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India remains predominantly a rural economy, with 70% of its people living in rural areas. Higher incidence of poverty and unemployment are main problems in India. It is affecting the rural economy as well as the overall economy of the nation. Marginalized groups have virtually no access to credit. Hence, micro finance initiatives of NABARD yielded remarkable success and the SHG- Bank Linkage programe has emerged as the largest micro finance programme in the world. The present study reveals the impact and sustainability of SHG bank linkage on the socio-economic conditions of the individual members and the reduction of poverty of SHG members and their households.

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Alagu Pandian, Dr V., and Shri G. Suresh. "Present Status of it Security of Madurai District Central Cooperative Bank, Tamil Nadu." Shanlax International Journal of Management 9, S1-Mar (2022): 104–7. http://dx.doi.org/10.34293/management.v9is1-mar.4898.

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Though the Computerization of Cooperative Banks started during the new millennia, it catches up with Madurai District Central Cooperative Bank during 2010 at a leisure pace only. Initially, an application approved by the TNSCB was in use though it was developed locally. DCCBs of Tamil Nadu were using different types of Software in different regions, and it resulted in a nightmare for Bank Integration and further expansion.Hence adopting the prudential norms, RBI’s IT security policy, NABARD circulars on IT security instructions, continuous monitoring the Banking news and events, Interacting with Bankers in seminars and training, and updating security protocols will surely save the Bank from any kind of Internal and External threat to its IT infrastructure.

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Sharma, Madhu. "Role of the Insurance and Banking Sector in the Indian Economy." Journal Global Values XV, no. 1 (2024): 19–25. https://doi.org/10.31995/jgv.2024.v15i01.03.

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In the 21st Century Banking Plays an Important role. It is Simplest From Where Society Recorganizes the Need For Stroing Money and the Need a Safe Place to Store it. This Safe Place Ultimately Evolved into Financial Institutions that accept deposits And Make Loan I,e; the Modern Commercial. According to the Oxford Dictionary. An establishment for the Custody of Money That Pays for the Customer’s Order, (Indian Bank System) consists of an Organized Sector and an Unorganized Sector. Organized Sectors Consist of the Reserve Bank of India, Commercial Bank, and Co-Operate Bank. Commercial bank Counts of Scheduled banks, On-Scheduled banks, State cooperation, the apex body, IDBI, NABARD, Bank, etc.

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S., R. Hanumantharaya. "ROLE OF RURAL INFRASTRUCTURE DEVELOPMENT AND ECONOMIC GROWTH IN INDIA-AN OVERVIEW." Shanlax International Journal of Arts, Science and Humanities 6, S2 (2019): 22–27. https://doi.org/10.5281/zenodo.2573755.

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Inclusive economic growth is the most talked about issue in India. This is due to the fact that the impacts of the recent spectacular growth have not been able to percolate down to various segments of population, most importantly to the rural population. Rural infrastructure in India have remained far from satisfactory and amongst others, lack of funds is one critical reason for this. In order to ensure smooth flow of funds for the development of infrastructure in rural India, rural infrastructure development fund (RIDF) was introduced in the budget of 1995-’96. The Reserve Bank of India (RBI) governs this fund through NABARD with corpus from the commercial banks

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Sarawagi, Aditi, and M. Sanjoy Singh. "Empowering Women: E-Shakti's Impact on Self-Help Groups Digitization and Financial Inclusion in India." Asian Journal of Economics, Business and Accounting 24, no. 5 (2024): 192–205. http://dx.doi.org/10.9734/ajeba/2024/v24i51303.

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The study assesses the influence of the National Bank for Agricultural and Rural Development’s (NABARD) Project E-Shakti on the digitization of Self-Help Groups (SHGs) and the economic position of women in India. The study evaluates the project's outcomes using data from NABARD's Status of Microfinance in India reports from 2007-08 to 2022-23. The number of SHGs credit linked, savings of SHGs, loans disbursed to them, loans outstanding against them, and non-performing assets (NPA) were the variables considered for the study. Trend analysis and correlation were applied to the available data. For the analysis of the data, the Python algorithm was used. The study's findings indicate that Project E-Shakti intensely boosted the number of districts served and SHGs linked to formal finance, reducing their dependency on informal sources. The project also resulted in a significant increase in loan disbursement to SHGs, indicating enhanced financial sustainability and accessibility. The digitization of SHGs improved women's economic conditions by allowing them to engage in income-generating activities. The programme helped to reduce non-performing assets, signifying its beneficial impact on the financial health of SHGs. Refinance to Non-Banking Financial Companies- Microfinance Institutions (NBFC-MFIs) showed a boost after E-Shakti but then a volatile pattern was observed in the subsequent years. Project E-Shakti was a success in terms of promoting digitization, increasing financial inclusion, and improving women's economic empowerment in SHGs. To maximize the long-term benefit of digitization programmes, the study proposes increasing their scope, investing in digital literacy training, and enhancing monitoring and evaluation procedures.

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Mathew, Jaya, and Reeba Kurian. "Engendering Women’s Access to Credit through Financial Inclusion in India." International Journal of Economics and Finance 8, no. 6 (2016): 201. http://dx.doi.org/10.5539/ijef.v8n6p201.

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Government of India and Reserve Bank of India has undertaken a lot of measures to mitigate the problem of financial inclusion in India. The emergence of Self Help Groups (SHGs) and SHG-Bank linkage Programme have helped extensively to strengthen the poor especially women. In India due to social and cultural reasons women face greater challenges in access to formal finance.This study highlights the representation of Women in Self Help Groups (WSHGs) and SHG-Bank Linkage programmes undertaken by the Government of India (GOI) and National Bank for Agriculture and Rural Development (NABARD) and tries to establish that these initiatives have improved women’s access to finance in India.

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Prof, (Dr.) J.K. Tandon, and Nidhi Sharma Ms. "A Pragmatic Analysis of SHG Federations in Rajasthan." International Journal of Marketing & Financial Management Volume 5, Issue 7, Jul-2017 (2017): pp 65–71. https://doi.org/10.5281/zenodo.841038.

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The progress under microfinance sector in India has registered a remarkable growth in the past three decades covering more than 77 lakh SHGs and around 9 crore households of which 2.5 lakh SHGs have been promoted in Rajasthan. Microfinance in Rajasthan has also undergone a sea change in the past few years in terms of credit dispensation, financial inclusion and other services to the rural poor. The major stakeholders in Microfinance sector in Rajasthan comprises NABARD, RAJEEVIKA, Directorate of Women Empowerment, ICDS, NGOs and MFIs. The paper highlights the basic features of SHG federations and its need for social and economic development of the society. The study focuses on the role of SGHs and SHG federations, in strengthening the India’s position in relation to other countries economy.

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Dr., K. MUNEESWARAN. "WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS IN TAMIL NADU, INDIA." Shanlax International Journal of Management 4, special 1 (2016): 157–61. https://doi.org/10.5281/zenodo.6762118.

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poverty agendas. Self-help groups are seen as instruments for goals including empowering women, developing leadership abilities among poor people, increasing school enrollments, and improving nutrition and the use of birth control. Financial intermediation is generally seen more as an entry point to these other goals, rather than as a primary objective. This can hinder their development as sources of village capital, as well as their efforts to aggregate locally controlled pools of capital through federation, as was historically accomplished by credit unions. Keeping this in mind the researcher made study. A study on original and women empowerment through self help groups in India. Research dada have been collected from various available sources. Key words: Self Help Groups, Goal, NGO, NABARD

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Tejomai, Chittepu, Ruchitha.M, Afrin Shaik Ayesha, Apurva.S, and Joe Francis Jerrin. "Megabot- Your Financial info Superhero in a Digital Cape!" Megabot- Your Financial info Superhero in a Digital Cape! 9, no. 1 (2024): 7. https://doi.org/10.5281/zenodo.10526161.

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In an era of digital transformation, access to government-sponsored financial schemes is vital for individuals and businesses. The development of ”MegaBot,” an interactive chatbot, addresses this need  by consolidating information on all government- sponsored loans and insurance schemes into a single  accessible platform. MegaBot tackles the challenge of accessing government-sponsored financial schemes by offering a centralized, user-friendly chatbot platform. Integrating information from institutions like NABARD and RBI, it leverages natural language processing and advanced search to guide users through loans, insurance plans, eligibility, applications, and more. This empowers individuals, businesses, and organizations to leverage financial support and bridge the gap between government initiatives and beneficiaries, promoting financial inclusion. Keywords:- Component, Formatting, Style, Styling, Insert.

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Journal articles on the topic 'NABARD'

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