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For Internal Use only Region No of No. of Capacity Cumulative Cumulative Loan Projects Projects Created Loan Loan...

For Internal Use only Region No of No. of Capacity Cumulative Cumulative Loan Projects Projects Created Loan Loan Disbursed Sanctioned completed (in '000 Sanctioned Disbursed during MT) 2023-24 Western 1,780 1,703 655.47 402.71 476.11 0.43 Northern 226 190 3563.61 913.99 833.64 151.59 Central 640 41 203.01 341.81 241.21 33.90 Eastern 811 777 1335.00 1997.98 2051.58 34.77 North 220 149 62.17 295.26 39.12 Eastern 230.04 Multi 22 22 364 128 112.00 0 State Total 8,161 6,243 9,945.19 9,452.61 9,042.49 367.25 Cumulative No. of Projects Sanctioned and Completed 4462 3361 1780 1703 640 811 777 220 226 190 41 149 22 22 Southern Western Northern Central Eastern North Multi Eastern State No of Projects Sanctioned No. of Projects completed Region – wise projects sanctioned and completed. Region-wise Cumulative Sanctions and Disbursements (₹ crore) 5373 5098 1998 914 2052 403 342 476 834 241 295 230 128 112 Southern Western Northern Central Eastern North Multi Eastern State Cumulative Loan Sanctioned (₹. crore) Cumulative Loan Disbursed (₹. crore) 21  For Internal Use only Projects financed under WIF: Silos financed to Haryana State Co-operative Supply and Marketing Federation Limited (HAFED), Haryana Inside view of warehouse constructed by UP State Warehouse Corporation Cold Storage project constructed in Haryana State Industrial and Infrastructure Development Corporation (HSIIDC), Haryana 22  For Internal Use only Geo Tagging of Agri-storage Infrastructure (ASI) in the Country ASI’s geotagged on a static Google Map The food grain production in the country has been growing incrementally every year and our country has attained food grain surplus status. Scientific warehousing is an essential requirement to reduce the storage losses as also to support procurement operations. As on date, we do not have centralised data base on capacity of the scientific warehouses/cold storage etc. for assessing storage surplus/deficit status in the country. In order to remove this operational constraint, NABARD took the onus of creating a web based Agri Storage information system, which not only captures the details of the infrastructure but also assess the present capacity utilisation vis-à-vis. requirement along with the Geo-spatial coordinates with following broad objectives: To map the Agri storage assets and related infrastructure in the country and create a centralised database. To link warehouses to a central database To develop IT enabled services for the farmers, which will also help in integrating small farmer with the commodity value chain. To reduce post-harvest losses in agri and allied commodities. To develop a mobile APP (Farmers App.) for Farmers for navigating nearest warehouse in the vicinity of 50 km of their location. The Project for Geo Tagging of warehouses (dry & wet) was started as pilot in two States (Haryana and Tamil Nadu) and the work was taken up by NABCONS. Meanwhile, the Union Budget 2020 outlined a 16-point Action Plan for achieving the goal of “Doubling Farmers’ Income by 2022” and one among them was that NABARD will undertake an exercise to map and geo tag agri-warehousing, cold storage, refer van facilities. The all-India exercise was initiated in the month of November 2020 and the entire survey work was completed in the month of September 2021 with geotagging of 1,11,162 Agri-storage infrastructure having capacity of 223 million MT across the country. A digital Web portal i.e. NABARD Storage Infrastructure Information Management System (NABSIIMS) and mobile applications (KISAN BHANDAR) have been developed and further, integrating dynamic features in the app is under process. Android and IOS version of the app will be launched shortly. Digital Gateway (e-KISAN UPAJ NIDHI) : - e- Kisan Upaj Nidhi was launched on 04.03.2024 by Union Minister for Consumer Affairs, Food & Public Distribution, Commerce 23  For Internal Use only and Industry and Textiles, Shri Piyush Goyal in the presence of Shri Shaji K V, Chairman, NABARD and T. K. Manoj Kumar, Chairman, WDRA. e- Kisan Upaj Nidhi, is an online platform which helps farmers (especially SF/MF) and traders for obtaining post-harvest loans against electronic Negotiable Warehouse Receipts (e-NWRs) for the assayed stocks of agricultural produce kept in WDRA registered warehouses from various banks/ financial institutions through marking of lien on the e-NW₹ This digital gateway will reduce the turnaround time (TAT) for sanctioning pledge loans through seamless transfer of data. Farmer can upload their applications and eNWRs on the gateway and the various banks onboarded thereon, can provide a choice to the applicants in terms of rate of interest, loan amount, etc. The e- Kisan Upaj Nidhi is a collaborative effort of the Department of Food & Public Distribution (DFPD), WDRA, Department of Financial Services (DFS), National Bank for Agriculture and Rural Development (NABARD) & SBI. Achievement under Geo-tagging - Status as on 31 March 2024 Estimated Number of Stoarge Structures 0% 8% 4% Number of Storage Structures Geotagged 150000 100463 111162 100000 88% 50000 6772 6310 0 Dry Warehouse Cold Storage 1st Phase (Pilot) 2nd Phase (Pan India) Packhouse Others. Target & Achievement Percent share of Storage Structures 2. Food Processing Fund of GoI: Government of India instituted the Food Processing Fund (FPF) in NABARD during 2014–15, with a corpus of ₹2,000 crore, with the objective of providing affordable credit to public and private players for setting up of Designated Food Parks (DFPs) notified by the Ministry of Food Processing Industries (MoFPI), Government of India, and establishing food processing units therein. As on 31 March 2024, NABARD had sanctioned a term loan of ₹1,191.57 crore for 14 Mega Food Parks (MFPs), 03 Industrial Parks, 09 Agro Processing Clusters (APCs) and 15 Individual Food Processing Units. Cumulative disbursement is ₹768.77 crore. Capacity creation envisaged. An area of about 1,370.03 acres would be developed in 14 Mega Food Parks (MFP), 3 Industrial Parks and 9 Agro Processing Clusters (APC) projects which act as Central Processing Centres (CPCs). The 14 CPCs of MFP Projects would be supported by 45 Primary Processing Centres (PPCs) and several Collection Centres (CCs) to be established at suitable places in the catchment zone of the respective mega food parks. These centres will help in sourcing of agricultural 24  For Internal Use only produce directly from the farmers by the processing units to be established in the mega food parks, thereby creating a direct marketing access to the user industry. These projects when completed would result in providing diversified and much needed core and processing infrastructure, as indicated in the following graph: Area Developed: 1370.03 acre Pulping & Aseptic Packing: Dry warehouses 39.05 MT/hr 2,52,200 MT Ripening Cold Storage: Designated Food 97,610 MT Capacity: Parks Created with 1895.00 MT NABARD assistance Freezer: 11,350 Sorting & MT Grading: 142.50 MT/hr Silo: IQF: 58,500 MT 9.50 MT/hour ii. Milestones Achieved Under Food Processing Fund, term loan has been extended to all types of eligible activities viz.: Mega Food Parks, Industrial Parks, Agro Processing Clusters and Individual Units; and to different borrowing entities, viz. State Govt., State Govt. owned entities, SPVs, Federations, Companies, Partnership Firms and Limited Liability Partnerships. iii. Opportunities ahead Govt. of India has approved the Production Linked Incentive (PLI) scheme for 10 key sectors, including food processing sector, with a budgetary outlay of ₹10,900 crore spread over a period of 06 years (FY 2021-22 to FY 2026-27). This may create huge opportunities for investment in the sector by both public and private sector. Food Processing Units established in Designated Food Park may be able to avail benefit of such schemes. State owned entities like State Agricultural Marketing Boards/Directorates of resource rich States are coming up with proposals to set up Agro Processing Clusters (APC) across the districts. There is good opportunity to tie up with the State Government for supporting their infrastructure plans through finance for the APC or any other designated food park managed by the PSUs of State Governments. Financing of Individual Units coming up in the completed DFPs, especially those which had been supported by NABARD will ensure viability of both the DFP and the individual food processing units respectively. 25  For Internal Use only II. Developmental Functions 1. Farm Sector Development The farm sector development initiatives of NABARD aim at developing and demonstrating scalable models for adoption by various stakeholde₹ The major areas of support are Watershed Development, Tribal Development, Promotion of Farmer Producer Organisations, Climate Change and Promotion of Innovations. 1. Watershed Development – a pragmatic approach for development of rainfed areas Watershed Development Fund (WDF) was set up by NABARD in 1999-2000 with an initial corpus of ₹200 crore and augmented annually. Over the years, the programme has evolved with the changing ecosystems and requirements. A total of 74 new watershed projects (including 14 springshed development projects) were sanctioned covering an area of about 64,200 ha and disbursed an amount of ₹ 116.58 crore during 2023-24. As on 31 March 2024, a total of 3,747 projects covering an area of 27.09 lakh ha in 29 states have been sanctioned. The cumulative disbursement stood at ₹ 2,245.29 crore as on 31 March 2024. The watershed development projects helped the communities in conservation of natural resources, bringing wastelands under cultivation, improving groundwater levels, enhancing crop production and productivity leading to income and livelihood security of vulnerable rural households. A. Major interventions with support of KfW The soil restoration programme for sustainable food security (Phase I) under KfW's SEWOH ('One World, No Hunger' of the German Federal Ministry, Economic Cooperation and Development Department) was implemented successfully by NABARD in 123 completed watersheds in 32 districts of five states viz., Karnataka, Telangana, Andhra Pradesh, Odisha and Chhattisgarh. The phase II of KfW Soil programme has been completed successfully in the states of Kerala and Jharkhand (43 projects). The KfW review mission that visited project villages in February 2024 expressed high level of satisfaction for timely and effective completion of KfW Soil projects. During the year, an amount of ₹2.5 crore was released under KfW Soil phase II. Based on the success of SEWOH Phase-I & II, the programme (KfW Soil Project) was extended to Bihar (10 projects), Maharashtra (13 projects) and Tamil Nadu (25 projects) under Phase III in FY 2021-22 with financial support of € 4.5 million from KfW. An amount of ₹9.19 crore was released under KfW Soil phase III during 2023- 24. 26  For Internal Use only Figure 1: Low Cost Poly house Impact evaluation study conducted by ICAR-Central Research Institute of Dryland Agriculture: Impact evaluation study was conducted by ICAR-Central Research Institute of Dryland Agriculture in selected watershed projects (15) covered under KfW Soil Phase II Programme. The highlights include improvements in ground water recharge, Financial Rate of Return (FRR) of more than 20%, enhanced green cover showing good resilience to climate change, improved access to drinking water and significant improvement in Soil Organic Carbon (SOC) and enhanced capacities of community to climate change. B. Other major developments during the year 2023-24 a. Successful Grounding of JIVA Programme: JIVA, an Agroecology programme has been successfully piloted in 24 projects in 11 states covering completed watershed and tribal areas in covering five agroecological zones in vulnerable rainfed areas was grounded in the year, 2023-24. Over 1000 project beneficiaries covering about 330.88 ha have adopted natural farming practices rooted with agroecology principles. o Impact of JIVA programme: The transition to multiple cropping systems integrated with muti-tier kitchen gardens, trees and livestock with natural farming as cardinal principle has led to an income increase of ₹ 10,000 to ₹ 15,000 in one season, with improvements in soil moisture, structure, and microbial activity 27  For Internal Use only through the use of bio-resources and natural mulching, maintaining multi-tier crops for longer periods, etc. b. JIVA Monitoring Evaluation & Learning (MEL) Portal: JIVA- Monitoring, Learning and Evaluation portal (JIVA- MEL), a robust portal-based monitoring system, has been developed for the JIVA projects to ensure the end use of funds released. JIVA MEL Portal is an online tool that facilitates data collection & report generation to evaluate the physical and financial progress of the JIVA projects as well as progression of farmers in adopting agroecological approaches. It is the first of its kind agroecology portal which is designed to monitor the progress, outcomes & outputs and progress of farme₹ c. Geospatial Technology based detailed project reports for watershed projects: To address the ongoing challenges in watershed planning, geospatial technology is being used in the watershed planning process. Three DPRs were prepared initially on pilot basis using geospatial techniques in Maharashtra, Odisha, and Telangana. In view of the several advantages conferred by geospatial techniques, and NABARD’s endeavour for “Digitalisation” of its programmes/projects, the approach is being upscaled across 7 states including Andhra Pradesh, Karnataka, Tamil Nadu, Telangana, Madhya Pradesh, Maharashtra, and Odisha with 14 implementing agencies. d. Water Budgeting towards building resilience to climate change: A simple MS-Excel based water budgeting tool has been developed and used in 29 watersheds across 8 states to facilitate demand side management of water through crop diversification and improving water use efficiency in the water stressed rainfed areas. The water budgeting tool is expected to facilitate achieving water security in water stressed rainfed vulnerable areas. e. Credit Flow in Watershed Development Projects: A special study on credit flow was conducted across 19 states covering 34 watershed projects spanning 198 villages with geographical area of 35,236 hectares. The study highlighted doubling of crop loan accounts, threefold increase in overall credit flow, five-fold increase in agriculture term loans and nearly doubling of credit flow to Self Help Groups in the project villages of watershed development projects. This study corroborated the effectiveness watershed development programme in reducing the risk in rainfed farming and in improving the credit absorption capacity. The significant increase in credit flow was observed in Tamil Nadu, Andhra Pradesh, Karnataka, Telangana, Maharashtra, Chhattisgarh and Bihar states. 28  For Internal Use only f. Simple tool for Climate Change Vulnerability Assessment: A project was sanctioned to CRIDA, ICAR for development of simple MS-Excel based tool for sector wise climate risk mapping and vulnerability assessment that forms basis for devising interventions in the watershed development projects, thus making the watershed development programme, a robust science based climate change adaptation programme. g. Migration of NABARD Bhuvan Portal and Rolling out of Portal based monitoring: NABARD Bhuvan portal has been migrated to NABARD’s server and the portal is operationalized and rolled out from NABARD’s environment since 1st January 2024. A total number of 1125 watersheds and springsheds have been onboarded to NABARD Bhuvan portal and 1.69 lakh assets has been geotagged in the portal. This portal integrates the MIS (physical and financial progress) and GIS and facilitates use of remote sensing satellite images in monitoring and impact evaluation of watershed/springshed development projects. h. Capacity Building Initiative o A special training for the officers of north-eastern states and other hill states was organized through with technical support of ACWADAM, expert agency in springshed development. The capacities of our officers on identification, delineation, planning, appraisal and monitoring of springshed development were developed. o Under JIVA Programme, three capacity building workshops and field exposure visits were carried for ROs, DDMs and Implementing agencies. o Two workshops, one covering basic aspects and the other on advanced features of geospatial technology based DPR preparation were organized for the ROs and implementing agencies. 2. Tribal Development - Sustainable livelihoods for tribal communities NABARD had set up a dedicated Tribal Development Fund (TDF) with an initial corpus of ₹50 crore to provide sustainable livelihood options to tribal families for addressing their twin challenges viz., food security and distress migration. The Orchard Model wherein identified tribal families are provided with financial support for developing one-acre orchard of suitable horticulture tree crops increases the water table and reduce soil erosion, thereby increasing the production and productivity of the land. For landless tribal families, need-based on-farm and off farm activities are also promoted. As on 31 March 2024, a total of 985 projects have been sanctioned under TDF, covering approximately 6.27 lakh tribal families and 5.84 lakh acre area. Around 2.92 crore trees have been planted in these orchards, which have a potential of sequestration of 6.28 lakh ton carbon dioxide per year. During 2023-24, 59 new projects have been sanctioned with a commitment of ₹124.80 crore, benefitting 0.20 lakh families. An amount of ₹125.09 crore has been disbursed for the ongoing and newly sanctioned projects. 29  For Internal Use only A. Major Developments NABARD subscribed to 30 lakh Zero Coupon Zero Principal (ZCZP) instruments (of amount ₹30.00 lakh) issued by Ekalavya Foundation, on Social Stock Exchange. The instruments were issued by Ekalavya Foundation to raise funds for a project based on sustainable livelihood development of 100 tribal families in Telangana and the subscription has been made from Tribal Development Fund. 3. Farm Sector Promotion Fund - Piloting farm innovations A. Physical and Financial Achievements in FY 2023-24 (₹ crore) Interventions Financial Target Achievement Ach% FSPF 30.00 28.26 94.2 B. Highlights During the year, 139 projects were sanctioned with grant assistance of ₹ 24.41 crore under Farm Sector Promotion Fund (FSPF) towards promoting ICT/IOT based projects, FPO Accelerator project, Millet value chain, application of drone technology in agriculture, application of AI technology and Robotics based interventions in agriculture, value chain development of apple, promotion of Agro-Tourism, establishment of Community Common Facility Centre (CCFC) for promotion of scientific honey harvesting, processing training & marketing of value added products through FPO, demonstration for high value vegetables production through hydroponics technology, etc. C. Major Initiatives under FSPF a) NABARDs Millet initiatives: During the year, 19 projects have been sanctioned for promotion of millet value chain in states viz., Arunachal Pradesh, Bihar, Chhattisgarh, Gujarat, Jammu & Kashmir, Jharkhand, Madhya Pradesh, Mizoram, Odisha, Rajasthan, Uttar Pradesh, West Bengal etc. The major activities supported under these projects are package of practices like seed production, farm mechanization, integrated pest and nutrient management to be adopted for improving production and productivity; training and capacity building of farmers on good agriculture practices, postharvest management (processing for value addition), storage and marketing. b) Hi-Tech Agriculture Projects: Under FSPF, 15 DPR projects on Hi-tech Agriculture, IOT/ICT, AI, Drone & Hydroponics based technologies etc., were sanctioned during FY 2023-24. c) Pilot project on Encouraging Rural Youth in Agriculture for agri entrepreneurship development in 15 aspirational districts of 12 states of India: Under the pilot project scheme, 3 projects in states viz., Jharkhand, Rajasthan & Odisha and were sanctioned during FY 2023-24 and the projects are in preliminary stage of implementation. 30