Project Report

On

“National Bank for Agriculture and Rural

Development & Gujarat Agro Industries
Corporation ”

Submitted to:

Prof. Bhadresh Narielwala

Submitted By:

Cherisha Jain (094211)

Kanika Jain (094223)
Mayur Manghrani (094228)
Nishita Dholakia (094236)
Parth Mair (094240)

Subject
New Venture Creation

Institute of Management, Nirma University

 August 4, 2010.
National Bank for Agriculture and Rural
Development

Introduction
 
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 crores 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. 

It is an apex institution handling matters concerning policy, planning and operations in the
field of credit for agriculture and for other economic and developmental activities in rural
areas. Essentially, it is a refinancing agency for financial institutions offering production
credit and investment credit for promoting agriculture and developmental activities in rural
areas.
 
NABARD today 
 
• Initiates measures toward institution-building for improving absorptive capacity of the
credit delivery system, including monitoring, formulation of rehabilitation schemes,
restructuring of credit institutions, training of personnel, etc.
 
• Coordinates the rural financing activities of all the institutions engaged in developmental
work at the field level and maintains liaison with the government of India , State
governments, the Reserve Bank of India and other national level institutions concerned
with policy formulation
 
• Prepares, on annual basis, rural credit plans for all the districts in the country. These plans
form the base for annual credit plans of all rural financial institutions
 
• Undertakes monitoring and evaluation of projects refinanced by it
 
• Promotes research in the fields of rural banking, agriculture and rural development
   
• Functions as a regulatory authority, supervising, monitoring and guiding cooperative
banks and regional rural banks
   
NABARD's Roles and Functions are summarized below:
   
• Credit Functions
   
• Developmental and Promotional Functions
   
• Supervisory Functions
   
• Institutional and Capacity building
   
• Role in Training

   
Credit Functions
 
NABARD's credit functions cover planning, dispensation and monitoring of credit.
 
This activity involves:
 
• Framing policy and guidelines for rural financial institutions
   
• Providing credit facilities to issuing organizations
   
• Preparation of potential-linked credit plans annually for all districts for identification
of credit potential
   
• Monitoring the flow of ground level rural credit

Types of Refinance Facilities

Agency Credit Facilities

Commercial Banks Long-term credit for investment purposes

Financing the working capital requirements of Weavers' Co-

operative Societies (WCS) & State Handloom Development
Corporations
Short-term Co-operative  Short-term (crop and other loans)
Structure (State Co-operative
Medium-term (conversion) loans
Banks,
District Central Co-
Term loans for investment purposes
operative Banks, Primary 
 
Agricultural Credit Societies)
Financing WCS for production and marketing purposes

Financing State Handloom Development Corporations for

working capital by State
Co-operative Banks
Long-term Co-operative Term loans for investment purposes
Structure
Pilot scheme for financing short term loans in three states
(State Co-operative 
Agriculture and Rural 
Development Banks, 
Primary Co-operative 
Agriculture and Rural 
Development Banks)
Regional Rural Banks Short-term (crop and other loans)
(RRBs)
Term loans for investment purposes
State Governments Long-term loans for equity participation in
co-operatives 
Rural Infrastructure Development Fund (RIDF) loans for
infrastructure projects
Non-Governmental Revolving Fund Assistance for various micro-credit delivery
Organisations (NGOs) - innovations and promotional projects under 'Credit and
Informal Credit Delivery Financial Services Fund' (CFSF) and 'Rural Promotion
System Corpus Fund' (RPCF) respectively
 
Criteria for refinance
 
1. Technical feasibility of the project and adequate response from prospective
beneficiaries
   
2. Financial viability and adequate incremental income to ultimate borrower to repay the
loan within a reasonable period
   
3. Organisational capability to ensure close supervision
   
The refinance is provided to SCARDBs, SCBs, CBs and RRBs. However, the
beneficiaries of the programme are partnership concerns, companies, state-owned
corporations or cooperative societies. But, finally the assistance reaches the individuals,
who are members of the primary credit institutions.
   
The refinance is usually 50% to 95% of the project cost. The balance will be met by the
banks and the concerned state governments or the Government of India in the case of
SCARDBs. With a view to ensure credit flow to certain thrust areas, the quantum of
refinance is enhanced to 100% as in the case of special category beneficiaries like SC/ST
members and self help groups.
 
Production Credit
 
This is a short-term refinance facility, aimed at supporting
 
• Agricultural production operations and marketing of crops by farmers and farmers
cooperatives
• Marketing and distribution of inputs like fertilizers, seeds and pesticides
• Production and marketing activities of village cottage industries, handicrafts, handlooms,
powerlooms, artisans, small scale and tiny industries and other rural non-farm enterprises
 
Eligible institutions for this facility are State Cooperative Banks (SCBs) and Regional Rural
Banks (RRBs). The period of credit is 12 months.
 
 
Short Term Credit
 
1. Seasonal Agricultural Operations (SAO)
 
In order to ensure availability of timely credit to farmers, banks follow production-oriented
system of lending. The system has features like assessment of credit, needs based on area
brought under cultivation, crop wise scales of finance, provision of credit for purchase of
inputs like fertilizers and pesticides.
 
Refinance is provided for production purposes at concessional rate of interest to state
cooperative banks (SCBs) and regional rural banks (RRBs) by way of sanction of credit
limits. Each withdrawal against the sanctioned credit limit is repayable within 12 months.
 
New line of credit for financing short-term agricultural /allied and marketing activities
 
To provide liquidity to the cooperative banks and to boost credit flow to the agriculture
sector, a new line of credit was introduced in 2003-04 encompassing loans for agricultural
purposes against security of gold and security other than charge on crops, working capital
credit for allied agriculture activities, working capital credit for procurement and distribution
of agriculture inputs, marketing of agriculture/allied products, collection and marketing of
minor forest produce etc and short-term credit support provided to cultivators for higher
scales of finance for commercialisation of agriculture, exports and value addition.
 
 
2. Marketing of Crops
 
With a view to improve the flow of marketing credit to cultivators for augmenting their
holding capacity and checking incidence of distress sale, NABARD encourages cooperative
banks and RRBs to finance marketing of crops, through its refinance facility for this purpose.
Each drawal against the sanctioned credit limit is repayable within a maximum period of 12
months.
 
 
3. Distribution of agri inputs
 
With a view to ensuring timely supply of agri inputs like fertilizers, pesticides etc. a line of
credit is made available to cooperative banks for financing Apex/Primary Societies for
stocking and distribution of agri inputs by way of sanction of yearly limits. Each drawal is
repayable within a period of 120 days.
 
 
4. Pisciculture Activities
 
Refinance facilities is extended to cooperative banks and RRBs for meeting the working
capital requirements of farmers in pisciculture activities by way of sanction of ST credit
limits. Each drawal is repayable within 12 months.
 
 
5. Other than SAO (OSAO)
 
Refinance is available to cooperative banks for financing the working capital requirement of
PWCS/Apex Weavers' Society, working capital requirements of industrial societies,
financing individual rural artisans, etc. Each drawal against the sanctioned credit limit is
repayable within 12 months. OSAO refinance is available to RRBs for financing production
and marketing activities of artisans, village industries and also for financing persons
belonging to weaker sections engaged in trade/business/services. Refinance support is also
available to commercial banks for financing the working capital requirements of PWCS.
 
Refinance support is available to SCBs and CBs for meeting working capital requirements of
State Handloom Development Corporations (SHnDCs).
 
Special Initiatives
 
• Special line of credit for oilseeds and pulses production
• Special line of credit for development of tribals in predominantly tribal areas
• Liquidity support to cooperative banks and RRBs for providing relief to farmers in
distress and farmers in arrears
• Revision in methodology for fixing scale of finance

Refinance against Investment Credit

 
This is a long-term refinance facility. It is intended to create income generating assets in
the following:
 
• Agriculture and allied activities
 
• Artisans, small scale industries, tiny sector, village and cottage industries, handicrafts,
handlooms, powerlooms, etc.
 
• Activities of voluntary agencies and self help groups working among the rural poor
 
The credit is normally provided for a period of 3 to 15 years.
 
Investment credit leads to capital formation through asset creation. It induces technological
upgradation resulting in increased production, productivity and incremental income to
farmers and entrepreneurs.
 
Eligible Institutions
 
SCARDBs, SCBs, RRBs, CBs, Scheduled Primary Urban Cooperative Banks, North East
Development Finance Corporation Ltd. (NEDFI) and NBFCs are eligible from NABARD for
their investment credit in the rural sector.
 
Eligible Purposes
 
Some of the major purposes covered under Investment credit are Minor Irrigation, farm
mechanisation, plantation/ horticulture, animal husbandry, storage/market yards, fisheries,
post-harvest management, food/agro processing, non-farm sector including rural industries,
microfinance, purchase of land (for small/marginal Farmers, share croppers etc.), rural
housing and disbursements under poverty alleviation programmes like SGSY and SC/ST
Action Plan etc. Hi-tech projects and agri-export zones are identified as thrust areas and
NABARD helps in techno-financial appraisal of such projects besides providing refinance.
 
In recent years, refinance support has been extended to new activities like financing of diesel
generator sets in Madhya Pradesh and LPG kits to rural households all over the country.

Criteria
 
The technical feasibility of the project, financial viability and generation of incremental
income to ultimate borrowers thereby enabling them to have a reasonable surplus after
repayment of the loan installments are the necessary conditions to be satisfied for sanctioning
investment credit. The period of loan ranges between 3 and 15 years depending on the
purpose for which it is provided.
 
The beneficiaries of the programme are individuals / group of individuals, SHGs,
proprietory / partnership concerns, companies, state-owned corporations or cooperative
societies.
 
The refinance is usually 90% to 100% of the loan amount. The balance, wherever applicable,
will be met by the banks or the concerned state governments or the Government of India in
the case of SCARDBs. With a view to ensure credit flow to certain thrust areas, such as
special category beneficiaries like SC/ST members, self help groups, etc., the quantum of
refinance is enhanced to 100%.
 
Interim Finance
 
SCARDBs are being extended interim finance in order to enable them to provide investment
credit to ultimate borrowers for eligible purposes and avail refinance within 3 months against
the same.
 
Investment Credit Department

Re-Finance
 
Eligible Institutions
 
Institutions Eligible for Refinance:

 State Co-operative Agriculture & Rural Development Banks (SCARDBs)

 Regional Rural Banks (RRBs)
 State Co-operative Banks (SCBs)
 Commercial Banks (CBs)
 State Agricultural Development Finance Companies (ADFCs)
 Scheduled Primary Urban Co-operative Banks (PUCBs)
 North East Development Finance Corporation (NEDFC)
 Non-Banking Financial Companies (NBFCs)

Purposes:

 Farm Sector :

Agriculture and allied activities such as minor irrigation, farm mechanisation, land
development, soil conservation, dairy, sheep/goat rearing, poultry, piggery,
plantation/horticulture, forestry, fishery, storage and market yards, bio-gas and other alternate
sources of energy, sericulture, apiculture, animals and animal driven carts, agro-processing,
agro-service centres, etc.

 Non-Farm Sector :

Artisans, small-scale industries, tiny sector, village and cottage industries, handicrafts,
handlooms, powerlooms, etc
Loan Period :

 Upto a maximum of 15 years 

Refinance Windows
 Automatic Refinance Facility (ARF - FS & NFS) : Release of refinance without prior
sanction for refinance limit upto Rs.20 lakh to Rs.50 lakh depending on the purpose
and agency.
 Project based lending ( Subject to Appraisal & Prior Sanction by NABARD )

Criteria for Refinance

 Technical Feasibility of the project

 Financial viability and bankability
 Organisational arrangements for credit supervision

Ultimate Borrowers

Although refinance is provided to SCARDBs/SCBs/CBs/RRBs/ADFCs/PUCBs/NEDFC the

ultimate borrowers of investment finance may be individuals, proprietory/partnership
concerns, companies, state-owned corporations or co-operative societies.

Interim finance

SCARDBs are being extended interim finance in order to enable them to provide investment
credit to ultimate borrowers and avail refinance within 3 months against the same.

Development and Promotional Functions

Credit is a critical factor in development of agriculture and rural sector as it enables

investment in capital formation and technological upgradation. Hence strengthening of
rural financial institutions, which deliver credit to the sector, has been identified by
NABARD as a thrust area. Various initiatives have been taken to strengthen the
cooperative credit structure and the regional rural banks, so that adequate and timely credit
is made available to the needy.
In order to reinforce the credit functions and to make credit more productive, NABARD
has been undertaking a number of developmental and promotional activities such as:-

 Help cooperative banks and Regional Rural Banks to prepare development

actionsplans for themselves

 Enter into MoU with state governments and cooperative banks specifying their
respective obligations to improve the affairs of the banks in a stipulated
timeframe

 Help Regional Rural Banks and the sponsor banks to enter into MoUs specifying
their respective obligations to improve the affairs of the Regional Rural Banks in
a stipulated timeframe

 Monitor implementation of development action plans of banks and fulfillment of

obligations under MoUs

 Provide financial assistance to cooperatives and Regional Rural Banks for

establishment of technical, monitoring and evaluations cells

 Provide organisation development intervention (ODI) through reputed training

institutes like Bankers Institute of Rural Development (BIRD), Lucknow
www.birdindia.com, National Bank Staff College, Lucknow www.nbsc.in and
College of Agriculture Banking, Pune, etc.

 Provide financial support for the training institutes of cooperative banks

 Provide training for senior and middle level executives of commercial banks,
Regional Rural Banks and cooperative banks

 Create awareness among the borrowers on ethics of repayment through Vikas

Volunteer Vahini and Farmer’s clubs

 Provide financial assistance to cooperative banks for building improved

management information system, computerisation of operations and development
of human resources

Supervisory Functions
• Undertakes inspection of Regional Rural Banks (RRBs) and cooperative banks (other
than urban/primary cooperative banks) under the provisions of Banking Regulation Act,
1949.
• Undertakes inspection of State Cooperative Agriculture and Rural Development Banks
(SCARDBs) and apex non-credit cooperative societies on a voluntary basis
• Undertakes portfolio inspections, systems study, besides off-site surveillance of
cooperative banks and Regional Rural Banks (RRBs)
• Provides recommendations to Reserve Bank of India on opening of new branches by
State Cooperative Banks and Regional Rural Banks (RRBs)
• Administering the Credit Monitoring Arrangements in SCBs and CCBs.

Objectives of Inspection
  
•To protect the interest of the present and future depositors
  
•To ensure that the business conducted by these banks is in conformity with the provisions of
the relevant Acts/Rules, regulations/Bye-Laws, etc
  
•To ensure observance of rules, guidelines, etc. formulated and issued by
NABARD/RBI/Government
  
•To examine the financial soundness of the banks
  
•To suggest ways and means for strengthening the institutions so as to enable them to play
more efficient role in rural credit

Institutional Building
 
• Help cooperative banks and RRBs to prepare development actions plans for themselves
 
• Enter into MoU with state governments and cooperative banks specifying their respective
obligations to improve the affairs of the banks in a stipulated timeframe
 
• Help RRBs and the sponsor banks to enter into MoUs specifying their respective
obligations to improve the affairs of the RRBs in a stipulated timeframe
 
• Monitor implementation of development action plans of banks and fulfillment of
obligations under MoUs.
 
• Provide financial assistance to cooperatives and RRBs for establishment of technical,
monitoring and evaluations cells.
 
• Provide organisation development intervention (ODI) through reputed training institutes
like Bankers Institute of Rural Development (BIRD), Lucknow, National Bank Staff
College, Lucknow, College of Agriculture Banking, Pune, etc.
 
• Provide financial support for the training institutes of cooperative banks
 
• Provide training for senior and middle level executives of commercial banks, RRBs and
cooperative banks
 
• Create awareness among the borrowers on ethics of repayment through Vikas Volunteer
Vahini/farmer's clubs
 
• Provide financial assistance to cooperative banks for building improved management
information system, computerisation of operations, development of human resources, etc.

NABARD and its Role in Training

• National Bank Staff College, Lucknow
• National Bank Training Centre, Lucknow
• Zonal Training Centre, Hyderabad
• Regional Training Centre, Mangalore
• Regional Training Centre, Bolpur
• Bankers Institute of Rural Development (BIRD), Lucknow
The provisions of the Act as stated below very clearly indicate the nature and scope of the
developmental mandate of the Bank and its role in training and capacity building with the
underlying belief that the process of development cannot be accomplished by credit/refinance
alone.
Section 38 of the NABARD Act provides that the Bank shall:
• maintain expert staff to study all problems relating to agriculture and rural development
and be available for consultation to the Central Government, the Reserve Bank, the State
Governments and the other institutions engaged in the field of rural development.
• provide facilities for training, for dissemination of information and the promotion of
research including the undertaking of studies, researches, techno-economic and other
surveys in the field of rural banking, agriculture and rural development.
• provide technical, legal, financial, marketing and administrative assistance to any person
engaged in agriculture and rural development activities;
   
• may provide consultancy services in the field of agriculture and rural development and
other related matters in or outside India, on such terms and against such remuneration, as
 may be agreed upon;
In this context, the role of training in NABARD and the role played by it for capacity
building in client institutions, partner agencies and other developmental agencies is
important.
Model Bankable Projects

Recently announced National Strategies for accelerating the flow of credit to farm sector
include doubling the flow of agricultural credit in 3 years, increase in disbursement from
Rs.80,000 crore in 2003-04 to Rs.1,05,000 crore in 2004-05, financing of atleast 100 new
farmers and 2-3 new investment projects in various sub-sectors of agriculture by each of the
rural and semi-urban branches of Commercial Banks.

In the above context, NABARD's strategies, inter alia, cover formulation and circulation of
Model Bankable Schemes and Location Specific Bankable Schemes to the financing banks.
NABARD also proposes to identify highly potential zones for undertaking investment
activities in various states and organise interactive workshops in these potential zones. 

The Technical Services Department of NABARD is preparing and bringing model

bankable agricultural projects in the areas of Minor Irrigation, Land Development,
Plantation & Horticulture, Agricultural Engineering, Forestry and Wasteland,
Fisheries, Animal Husbandry and Biotechnology. Besides these traditional areas, State
specific area development projects and profiles in the emerging thrust areas of Medicinal &
Aromatic Plants, Processing of Fruits & Vegetables have also been prepared for
dissemination among financing banks. 

Of late, organic farming is gaining prominence as a sustainable alternative in reviving Indian

Agriculture.  To promote this through institutional credit, Model Bankable Schemes
on Organic Farming have been formulated.

Some of Model Bankable Projects are as follows:

Drip Irrigation
Drip irrigation, also known as "trickle" irrigation, is the latest method of water management.
Under this system, water is carried to the plant under low pressure, through small diameter
plastic pipes and delivered at the root zone, drop by drop through drippers. Drip irrigation is
widely practised and established method of irrigation in developed countries and is slowly
gaining popularity in India. It is most suited for horticulture crops, vegetables etc. and finds
applicability in hard rock areas where groundwater is scarce and helps in optimisation of the
limited water resources. The system has its advantages and limitations. Its advantages are in
terms of savings of water (50-60%) of that required for flow irrigation, effective use of
fertilizers, less labour and energy cost. The limitation for adopting of this method is its high
initial cost which is beyond the purchasing capacity of small and marginal farmers and thus
mainly adopted by large farmers.
As a policy to encourage use of such systems, the Govt. of India under Centrally sponsored
Scheme for small and marginal farmers to increase irrigation, provides subsidy to the extent
of 50% of the cost of the equipment, the balance is available by institutional credit. Bankable
schemes have to be formulated for availing bank loans.

COLD STORAGE FOR PLANTATION AND HORTICULTURE PRODUCE

India is the largest producer of fruits and second largest producer of vegetables in the world.
In spite of that per capita availability of fruits and vegetables is quite low because of post
harvest losses which account for about 25% to 30% of production. Besides, quality of a
sizable quantity of produce also deteriorates by the time it reaches the consumer. This is
mainly because of perishable nature of the produce which requires a cold chain arrangement
to maintain the quality and extend the shelf-life if consumption is not meant immediately
after harvest. In the absence of a cold storage and related cold chain facilities, the farmers are
being forced to sell their produce immediately after harvest which results in glut situations
and low price realization. Sometime farmers do not even get their harvesting and
transportation costs what to talk of the cost of production or profit. As a result, our production
is not getting stabilized and the farmers after burning fingers in one crop switch over to
another crop in the subsequent year and the vicious cycle continues. Our farmers continue to
remain poor even though they take risk of cultivating high value fruits and vegetable crops
year after year. A cold storage facility accessible to them will go a long way in removing the
risk of distress sale to ensure better returns. 

Medicinal & Aromatic Plants

 
Aloevera
 
Aloe (Aloe vera) is an important and traditional medicinal plant belonging to the family
Liliaceae. It is indigenous to Africa and Mediterranean countries. It is reported to grow wild
on islands of Cyprus, Malta, Sicily, Carary cape, Cape Verde and arid tracts of India. This is
a hardy perennial tropical plant that can be cultivated in drought areas. But its potential is yet
to be exploited. Aloe, despite being identified as 'a new plant resource with the most
promising prospects in the world', remains a disregarded plant. It is scattered in the wild,
along the coast of southern India. China, U.S.A., Mexico, Australia and some of the Latin
American countries are the major producers and exporters of aloe products. These countries
are exploiting the plant potential with the growing cosmetic and neutraceutical market. Aloe
can substitute synthetic ingredient used in cosmetic industry very competitively and is finding
increasing use in the ever growing consumer product segment.
In India, aloe is cultivated in Alwar in Rajasthan, Satanapalli in Andhra Pradesh, Rajpipla in
Gujarat and some parts of Tamil Nadu.

Some other Medical Plants

Palmarosa 
Cymbopogon martineae
Kalihari
Gloriosa superb
Mulethi (Liquorice)
Glycyrriza glabra
Senna
Cassia angustifolia
Kalmegh
Andrographis peniculata
Buch
Acorus calamus
Satawari
Asperagus recemosus
Mentha 
Mentha arvensis
Citronella
Cymbopogon winte rianus
Pippali
Piper longum
Safed Musli
Chlorophytum borivilanium

Organic Farming
Organic farming is emerging as a sustainable alternative in reviving Indian Agriculture
especially in areas where the indiscriminate usage of chemical fertilizers and pesticides had
resulted in loss in soil fertility and productivity with adverse effects on water quality, soil,
plant and human health.

Recognising the importance of organic farming in Indian Agriculture, Government of India

has taken various initiatives to promote and support organic production. Setting up of
National Centre of Organic Farming with Regional Centres at various places, launching of
the National Programme on Organic Production encompassing National Standards and
Accreditation Programme for Certification Agencies etc., are important steps in this direction.
The importance of organic inputs in development of organic farming is adequately
emphasized with the launching of the Capital Investment Subsidy Scheme for Commercial
Production Units of Organic Inputs by Government of India.

NABARD, as an apex institution in the field of agriculture and rural development has
identified Organic Farming as a thrust area and has taken various initiatives for its promotion.
These initiatives include building capacities of bankers, NGOs, farmers through training
programmes, exposure visits etc., technology development and its dissemination through
various funds and suggesting policy measures for financing organic farming.

Gujarat Agro Industries Corporation

Gujarat Agro Industries Corporation (GAIC), which promotes agricultural activities at the
ground level and fosters the development of agro industries in the state, is a manifest example
of the forward-looking policies of the state. Set up in 1969 under the Companies Act, 1956,
GAIC acts as a facilitator and nodal agency for implementation of various scheme of
Government of Gujarat and Government of India.

The present-day globalized agricultural environment necessitates a holistic approach to

farming and all related activities. Moreover, strengthening of the forward and backward
linkages between agriculture and industry has also become a prerequisite. This is where
GAIC steps in. It plays an important role in increasing competitiveness by encouraging
farmers to adopt an integrated approach to agriculture and work towards better returns
from the existing set-up.
The basic objectives of GAIC are:
To facilitate investment in agro processing, hi-tech agriculture and Agricultural
infrastructure projects for value addition to farm produce so as to ensure higher
income to the farmers, provide greater employment opportunity in rural areas and
better products to consumers.
To enhance the productivity of crops in a sustainable manner and give Gujarat a
competitive edge through an integrated approach to agriculture
To set up Agricultural infrastructure projects to promote exports of
Agriculture/Horticulture products
To enhance farm gate price by facilitating contract farming so as to ensure direct
supply from farmers to processors.
To accelerate demand-based production of agro-products and develop agro industries
in the new global agricultural environment
To make arrangements for timely supply of agricultural inputs, equipments and
services at reasonable rates to the farmers of the State.
To provide necessary services to small and medium size producers for the sale of
agriculture produce.
To improve better quality life in rural areas by providing clean and low cost biogas
energy.
To empower the farmers with improved technological package including agricultural
tools, crop selection and crop management practices to sustain under unpredictable
and diverse agricultural conditions.
To increase the levels of return to farmers by promoting value additions and
consequently improve their standard of living.