NABARD Norms - Agrosalai

NABARD NormsA SINGLE LECTURE FOR WHOLE NORMS BY NABARD

About NABARD

ProvidingBuildingFeatures gImplementingTrainingProviding support by refinancing or fundingBuilding infrastructure in rural areasPreparing credit plans at district levelGuiding banking sector in achieving their credit targetsSupervising Regional Rural Banks (RRBs) and CooperativeBanksDesigning new projects for rural developmentImplementing Government’s development schemesTraining handicraft artisans

Types ofLoan

Refinance is provided for production purposes atconcessional rate of interest to State CooperativeBanks (SCBs) and Regional Rural Banks (RRBs) byway of sanction of credit limits.Short TermLoansEach withdrawal against the sanctioned credit limitis repayable within 12 months.NABARD has sanctioned short-term credit loan ofamount Rs. 55,000 cr to several financial institutorsin the financial year of 2017-18.

The conversion of ST(SAO) loans would beavailable where the crop loss has been 33% ormore.NABARD provides refinance to StCBs in case ofconversion to the extent of 60% of eligible amountwith State Govt.’s share at 15% and StCBs/DCCBsshare at 25%.In case of RRBs, NABARD’s refinance is to theextent of 70% of eligible amount with sponsorbanks share at 25% and RRB’s share at 5%.MediumTermConversion

Long Term LoanLong Term Loan are given for 5-15 yearsNABARD has refinanced around Rs. 65,240cr for financial institutions in the FY 2017-18that also include concessional refinance ofRs. 15,000 cr to Corporative banks andRegional Rural Banks (RRBs).it aims to increase its long-term on-lendingor refinance portfolio to about Rs 80,000crore in the current fiscal 2018-19

DETAILS OF RATES OF INTEREST CHARGED BYNABARDShort Term refinance assistance:State Cooperative Banks, DCCB and RRBs for financing crop loans4.50Commercial Banks./RRBs in respect of their finance to PACS towards crop loans4.50Long Term refinance assistanceLT loan to State Govt. for contribution to share capital of coop. credit institutions8.50RRBs/ StCBs/SCARDBsRefinance for 5 years and above8.35Refinance for 3 years to less than 5 years8.45Refinance for 18 months to less than 3 years8.35

Providing financing services for the improvement and developmentof rural IndiaOrganizing and managing funding programs for agriculture andfarming activitiesPolicy making for rural financial institutionsFunctions ofNABARDNABARD provides funding services for the development of foodparks and food processing units in designated food parksNABARD offers lending services to warehouse and cold chain andcold storage infrastructureIt provides short-term and long-term refinance services to itscustomers also providing direct refinance services to cooperativebanksIt offered credit facilities to marketing federationsSpecialises in providing long-term irrigation and rural infrastructuredevelopment funds

Schemes byNABARD

Dairy Entrepreneurship Development SchemeCapital Investment Subsidy Scheme for Commercial ProductionUnits for Organic or Biological InputsRural GodownsAgriculture Marketing and Infrastructure GradingStandardizationsAgriclinic and Agribusiness Centres SchemeSolar SchemesAgricultural Marketing InfrastructureNational Livestock MissionInterest Subvention Scheme

NABARDNorms

Terms to knowWhat isNABARDNormsTube wellswith SPV (SolarPhotovoltaic)MoratoriumStocking &Post Stockingin fisheriesProject CostFinancialOutlayoperationalcostMargin MoneyBank loan &SubsidyRecurring cost

Onion bulbs are generally stored fromMay to November.ONIONSTORAGESTRUCTURESStorage temperature should be 30 degreeC and Humidity 65-70%The onion storage structure should beoriented in the North - South direction i.e.,length facing the East-West direction.

WATER PUMPSET MODELThe discharge of asolar pump with arrayarea (Panel Area) of 24m varies from 6-8 lit/sat a head of 15- 50 m.This could irrigateabout 1.5 - 4 ha ofland.

TYPES OF STRUCTURESDugwell withSPVBorewell withSPVShallow Tubewells with SPV BenefittingArea (ha.): 1.0 BenefittingArea (ha.): 1.6 BenefittingArea (ha.): 2.0

Water depth of 2 meters can be used for fishculture purpose and minimum level shouldnot fall below one meter.CompositeFish CultureThe pond will be ready for stocking after 15days of application of fertilizers. Fishfingerlings of 50- 100 gm size (approx) shouldbe used for stocking @ 5000 nos. per hectare.The recommended feeding rate is 5 - 6 % ofthe body weight up to 500 gmsize of fish andthen reduce to 3.5% of body weight from500- 1000gm size.

Species and Feeding habitSpeciesFeeding HabitFeeding ZoneCatlaZoo plankton feederSurface feederRohuOmnivorousColumn feederMrigalDetrivorousBottom FeederSilver carpPhytoplankton feederSurface feederGrass carpHerbivorousSurface, column andmarginal areasCommon CarpDetrivorous/OmnivorousBottom feederIndian Major CarpExotic CarpExotic carps

Harvesting is generally doneat the end of 1st year, whenthe fishes attain averageweight of 800 gm to 1.25 kg.HarvestingWith Proper management aproduction of 4 to 5 tons/hacan be obtained in a year.

Repayment: Repaymentof bank loan is possiblein 8 years with 1-yearmoratorium (temporaryprohibition of an activity)Subsidy for Fisheries(NFDB) will be 40%and 60% as per theguidelines of Bluerevolution scheme

Fish Cold StoragesFrozen must be stored at a constant temperature of 23 C ( 10 F) or below in order tomaintain a long shelf life and ensure quality.Fish are therefore normally stored at 18 to 29 C (0 to 20 F), resulting in a variable shelflife ranging from a few weeks to almost one year.The International Institute of Refrigeration recommends a storage temperature of -18 C forlean fish such as cod and haddock and -24 C for fatty species such as herring and mackerel.Capacity of cold stores normally ranges between 1,000 MT and 10000 MT.

Project CostCosts will depend to a great extent on thelocation of the site. The cost ofconstruction of 1000 MT, 2000 MT and3000 MT capacity including land cost andmachinery and other equipment’s worksout to Rs.175 lakh, Rs.395 lakh andRs.600.50 lakh respectively.

The average productivity from ponds atpresent is to the tune of 2160 kg/ha/year.INTENSIVEFISHCULTUREThe capital cost for excavation of 1 Hapond works out to be Rs 3,02,500/- andthe recurring cost as Rs 2,88,075/-.Organic manuring may be done inmonthly instalments @ 1000 kg/ha.

FOOD ANDVEGETABLEPROCESSINGUNIT

In case of pickling, The fruits andvegetables are immersed in 5–10per cent salt solution (brine) leadingto lactic acid fermentation.Cannedfruit pulpandvegetables:The natural sugars present in fruitsand vegetables are converted tolactic acid at 25 C.Fresh fruits contain more than 80 percent water and 10 to 15 per centsugars.

SquashAs per Indian Standards, squash should contain at least 25 per cent (by volume) of fruitjuice.The squashes are consumed after dilution by drinking water in 1:3 ratio.A project cost of Rs.74.78 Lakh has been estimated . For a small scale fruit and vegetableprocessing unit, a plot of land measuring 0.5 acre, with built-up area of 3850 sq ft isconsidered sufficient.An interest rate of 12 per cent for working out the bankability of the model project.The margin money varies from minimum 10 per cent to 25 per cent of project cost. We haveassumed margin money of 25 per cent in this model scheme.

Poplar (Populus deltoids) is one of the fast growingmultipurpose tree species which can be grown as a monocrop as well as in association with agricultural crops.Modelbankableproject onPoplar basedagroforestryPoplar being a deciduous species adds tremendousamount of leaf litter to the soil and is considered to beone of the best species for agroforestry.Poplar grows well in the subtropical climate where thetemperature extremes are not too se

Greenhouse type based on shape: a) Lean to type greenhouse. b) Even span type greenhouse. c) Uneven span type greenhouse. d) Ridge and furrow type. e) Saw tooth type. f) Quonset greenhouse. g) Interlocking ridges and furrow type Quonset greenhouse. h) Ground to ground greenhouse.