Podcast
Questions and Answers
What was the reported balance sheet size of NABARD as of 31 March 2024?
What was the reported balance sheet size of NABARD as of 31 March 2024?
- ₹9 lakh crore (correct)
- ₹7.5 lakh crore
- ₹10 lakh crore
- ₹8 lakh crore
What was the growth rate of NABARD's balance sheet from FY2023 to FY2024?
What was the growth rate of NABARD's balance sheet from FY2023 to FY2024?
- 13.6% (correct)
- 12.5%
- 10.3%
- 15.1%
What is one of the primary purposes of the funds raised by NABARD during FY2024?
What is one of the primary purposes of the funds raised by NABARD during FY2024?
- Increasing ground level credit for rural production (correct)
- Developing urban infrastructure
- Financing private enterprises
- Providing global economic assistance
Which type of loans is NABARD specifically known to provide to farmers?
Which type of loans is NABARD specifically known to provide to farmers?
What milestone did NABARD achieve with the issuance of social bonds in FY2024?
What milestone did NABARD achieve with the issuance of social bonds in FY2024?
For which of the following purposes does NABARD NOT provide refinance?
For which of the following purposes does NABARD NOT provide refinance?
Which of the following best describes NABARD's focus since its inception?
Which of the following best describes NABARD's focus since its inception?
When was the listing ceremony for NABARD's maiden social bond conducted?
When was the listing ceremony for NABARD's maiden social bond conducted?
Which entities are eligible for loans from NABARD for infrastructure creation?
Which entities are eligible for loans from NABARD for infrastructure creation?
How much was the bond issue amount for NABARD's social bonds?
How much was the bond issue amount for NABARD's social bonds?
What role does NABARD play regarding cooperative credit institutions?
What role does NABARD play regarding cooperative credit institutions?
NABARD's funds for cash and investment management are primarily utilized for what?
NABARD's funds for cash and investment management are primarily utilized for what?
Where was the listing ceremony for NABARD's social bond held?
Where was the listing ceremony for NABARD's social bond held?
What aspect of social sector development can NABARD's funds address?
What aspect of social sector development can NABARD's funds address?
Which aspect of investment did NABARD pioneer in India?
Which aspect of investment did NABARD pioneer in India?
What type of loan conversion does NABARD support in the event of natural calamities?
What type of loan conversion does NABARD support in the event of natural calamities?
What is a specific focus of NABARD in terms of investment management?
What is a specific focus of NABARD in terms of investment management?
Which of the following is NOT included in NABARD's development agenda?
Which of the following is NOT included in NABARD's development agenda?
What was the total amount allocated by the Government of India for RIDF in FY2024?
What was the total amount allocated by the Government of India for RIDF in FY2024?
How much did NABARD mobilise in FY2024?
How much did NABARD mobilise in FY2024?
What percentage of NABARD's total borrowing portfolio was made up by commercial papers, term loans, and non-convertible debentures?
What percentage of NABARD's total borrowing portfolio was made up by commercial papers, term loans, and non-convertible debentures?
What was the total outstanding borrowings of NABARD as of 31 March 2024?
What was the total outstanding borrowings of NABARD as of 31 March 2024?
How much was issued in bonds during FY2024?
How much was issued in bonds during FY2024?
What was the outstanding under the Warehouse Infrastructure Fund (WIF) at the end of FY2024?
What was the outstanding under the Warehouse Infrastructure Fund (WIF) at the end of FY2024?
What amount did NABARD repay under Food Processing Fund (FPF) deposits during FY2024?
What amount did NABARD repay under Food Processing Fund (FPF) deposits during FY2024?
What was the total mobilised corpus of NABARD as of 31 March 2024?
What was the total mobilised corpus of NABARD as of 31 March 2024?
What was the amount of term loans borrowed from commercial banks during FY2024?
What was the amount of term loans borrowed from commercial banks during FY2024?
How much was repaid in various tranches under RIDF deposits during FY2024?
How much was repaid in various tranches under RIDF deposits during FY2024?
What percentage increase in net surplus has been appropriated by FY2024 compared to FY2023?
What percentage increase in net surplus has been appropriated by FY2024 compared to FY2023?
Which fund is NOT mentioned as one of the various funds maintained in NABARD?
Which fund is NOT mentioned as one of the various funds maintained in NABARD?
In FY2024, what was the profit before tax reported?
In FY2024, what was the profit before tax reported?
What was the net profit per employee for FY2023?
What was the net profit per employee for FY2023?
What aspect of NABARD's strategy is highlighted regarding investments in the agriculture and rural ecosystem?
What aspect of NABARD's strategy is highlighted regarding investments in the agriculture and rural ecosystem?
What does CFF stand for in the context of financial terms?
What does CFF stand for in the context of financial terms?
Which of the following represents loans outstanding of ₹48,819 crore as of 31 March 2024?
Which of the following represents loans outstanding of ₹48,819 crore as of 31 March 2024?
Which bank type is most directly mentioned as a part of the rural financial system?
Which bank type is most directly mentioned as a part of the rural financial system?
What percentage of assets does the PMAY–G loans extend according to the outstanding figures?
What percentage of assets does the PMAY–G loans extend according to the outstanding figures?
As of 31 March 2024, what is the outstanding figure for loans under RIDF projects?
As of 31 March 2024, what is the outstanding figure for loans under RIDF projects?
Which program is associated with the loans amounting to ₹12,298 crore?
Which program is associated with the loans amounting to ₹12,298 crore?
The term 'SBM–G' refers to which initiative?
The term 'SBM–G' refers to which initiative?
What does the abbreviation RRB stand for?
What does the abbreviation RRB stand for?
Which term describes short-term loans for agricultural operations?
Which term describes short-term loans for agricultural operations?
How much growth in percentage has the loans for RIDF projects experienced over the last year?
How much growth in percentage has the loans for RIDF projects experienced over the last year?
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Study Notes
NABARD Overview
- As of March 31, 2024, NABARD's balance sheet exceeds ₹9 lakh crore, reflecting a growth rate of 13.6% over FY2023.
- NABARD issued India's first rupee-denominated social bond, emphasizing its leadership in environmental, social, and governance (ESG) investing.
Funding and Financial Mobilization
- The Government of India allocated ₹40,475 crore for the Rural Infrastructure Development Fund (RIDF) in FY2024.
- NABARD mobilized ₹49,730 crore and repaid ₹25,598 crore under RIDF deposits during FY2024.
- Total mobilized corpus at the end of FY2024 stood at ₹3.5 lakh crore, with outstanding borrowings of ₹4.9 lakh crore.
Borrowing Portfolio
- 94% of NABARD's total borrowing portfolio consists of commercial papers, term loans, and non-convertible debentures.
- Issued bonds worth ₹65,393 crore in FY2024, with a redemption amount of ₹25,920 crore, signifying a 32.6% increase in outstanding bonds compared to FY2023.
Uses of Funds
- NABARD funds are directed towards rural production, infrastructure, social sector development, cash management, and creation of fixed assets.
- Provides loans to rural financial institutions to enhance ground-level credit (GLC) for seasonal agricultural operations and capital investment.
Loan Facilities
- NABARD offers refinance options for weavers, artisans, and for converting short-term loans into medium-term loans during natural disasters.
- Direct lending to state governments to contribute to share capital of cooperative credit institutions, facilitating social and infrastructure projects.
Social Sector Investments
- As of March 31, 2024, loans outstanding under the Pradhan Mantri Awaas Yojana–Gramin (PMAY–G) totaled ₹12,298 crore.
- Infrastructure financing for RIDF projects reached ₹1.7 lakh crore, representing 20% of assets and an increase of 10.3% over the previous year.
Income and Profitability
- Gross income for FY2024 recorded at ₹48,847 crore with a profit before tax of ₹8,068 crore.
- Net profit after tax amounted to ₹6,103 crore, indicating a profitable FY2024.
Efficiency Metrics
- Capital-to-risk weighted assets ratio was reported at 16.89% for FY2024.
- Business per employee was noted at ₹138.4 crore, while net profit per employee stood at ₹1.9 crore.
Investments in Agriculture and Rural Ecosystem
- NABARD collaborates with strategic partners through equity investments aimed at enhancing credit flow and bolstering the agriculture and rural sector.
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