NABARD's role in agricultural refinancing and development
NABARD channelizes policy credit and capital subsidies to build rural infrastructure and empower primary agricultural producers.
- Refinancing scheduled commercial banks, Regional Rural Banks (RRBs), and Rural Cooperative Banks for short-term crop loans and term loans.
- Promoting Farmer Producer Organisations (FPOs) with credit backing support and management assistance.
- Financing rural infrastructure projects (irrigation dams, rural roads, cold chains) through the Rural Infrastructure Development Fund (RIDF).
- Supporting off-farm rural enterprises, microfinance self-help groups (SHG Bank Linkage), and watershed development projects.
Major credit-linked schemes supported by NABARD
NABARD coordinates capital investment subsidy schemes in partnership with central government ministries.
- Agriculture Infrastructure Fund (AIF): Interest subvention and credit coverage for establishing post-harvest sorting, grading, and cold storage units.
- Animal Husbandry Infrastructure Development (AHIDF): Concessional credit for establishing dairy processing units and cattle feed manufacturing plants.
- Agricultural Marketing Infrastructure (AMI): Subsidies for building modern rural godowns, warehouses, and mandi cleaning yards.
- Solar micro-irrigation and farm mechanisation term loan refinancing.
Application workflow through financing banks and Jan Samarth portal
Individual farmers, self-help groups, and rural entrepreneurs do not receive direct cash disbursements from NABARD; instead, they submit project proposals to approved commercial banks or RRBs. Applicants can apply online through the unified Jan Samarth portal (jansamarth.in) to link their loan application with applicable central subsidy and interest subvention benefits.
Official source
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National Bank for Agriculture and Rural Development ↗Related on KisanPe
Common questions
Does NABARD provide direct personal loans to individual farmers?
No, NABARD operates as an apex refinance institution; farmers access NABARD-supported loans and subsidies through commercial banks, RRBs, and cooperative banks.
How can an agri-entrepreneur apply for a NABARD-subsidized scheme?
Prepare a detailed project report (DPR) and submit it to a financing bank branch, or apply online through the central Jan Samarth portal (jansamarth.in).
What is the purpose of the Agriculture Infrastructure Fund (AIF)?
AIF provides medium-to-long term debt financing with interest subvention for creating post-harvest infrastructure and community farming assets.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
More Government Schemes & Subsidies guides
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