NABARD Guide Book Updated

Table
Table of of
C O N T E N T S
C O N T E N T S
About NABARD
• What is NABARD?
• Brief History of NABARD
• Functions of NABARD
• Hierarchy in NABARD
• Advantages of working with NABARD
About NABARD Assistant Manager

• How is the recruitment conducted?
• What is the pattern of the examination?
• What is the eligibility?
• How has the NABARD Grade A pattern evolved?
• Cut-offs so far
• Is the recruitment regular?
• What is the syllabus of the examination?
• What is the training at NABARD like?
• What is the job profile?
• What is the salary?
• What are the promotion opportunities?
Resources to become NABARD Assistant Manager

• Resources for Phase 1
• Resources for Interview
Our 6 step formula to become NABARD Grade A O icer

• What is the 6 step formula?
• Our Legacy - Our Students
Disclaimer
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general information purposes only. All information is provided after thorough research and is
true and complete to the best of our knowledge. Although we make strong efforts to make
sure our information is correct and up-to-date, we cannot guarantee that all the information
provided in this e-book is complete, correct, and up-to-date but feedback & suggestions
will always be welcome.
Also, we will try to update any new information notified about the examination in the
guidebook within 2-3 working days.
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About NABARD
About NABARD
• What is NABARD?
• Brief History of NABARD
• Functions of NABARD
• Hierarchy in NABARD
• Advantages of working with NABARD

About NABARD | 02
About NABARD
What is NABARD?
National Bank for Agriculture and Rural Development
(NABARD) is an apex regulatory body for the overall
regulation of regional rural banks or RRBs and apex
cooperative banks in India. It is under the authority of
the Ministry of Finance, Government of India.
NABARD, as a Development Bank, is mandated to

provide and regulate credit and other facilities for the
promotion and development of agriculture, small-scale
industries, cottage, and village industries, handicrafts,
and other rural crafts and other allied economic
activities in rural areas to promote integrated rural
development and securing prosperity of rural areas.
Brief History of NABARD

NABARD came into existence on 12 July, 1982, by an Act of the Parliament. It was dedicated to
the nation's service by the late Prime Minister Smt. Indira Gandhi on 05 November 1982.
Consequent to the revision in the composition of share capital between the Government of India
and RBI, NABARD today is wholly owned by the Government of India.
Functions of NABARD
The strength of NABARD is in its mandate, i.e., "The development bank of the nation for fostering
Rural Prosperity". It is the only development bank in the nation that aims at rural prosperity. The
3 major roles of NABARD to facilitate rural prosperity are as below:
• Financial:
Financial function of NABARD includes direct financing to various institutions such as state
governments & District Central Cooperative Banks (DCCBs) through various schemes or
projects and second is indirect financing (means refinance) to the Banks, including all the
commercial banks, Regional Rural Banks (RRBs), and Cooperative Banks, for the farm sector
loans for the production purposes at concessional rate of interest.
www.edutap.co.in +91 81462 07241 hello@edutap.co.in

About NABARD | 03
• Developmental:
NABARD’s developmental role includes- development of several banks like State Cooperative
Agriculture and Rural Development Bank, Regional Rural Banks, etc., providing support to Self
Help Groups & the Farmers Producers Organizations, financing state governments for rural
infrastructure, e.t.c. It has several funds as a developmental initiative e.g.
◦ Watershed Development Fund, for which NABARD grants loans to the state government
and NGOs to develop watersheds, an area of land that drains water into a specific
waterbody.
◦ Tribal Development Fund, as the name suggests, is a scheme related to the development
of tribes.
◦ Climate Change Fund, for which NABARD is a national implementing authority, is
responsible for the adaptation fund implementation. This initiative aims at fostering
sustainable development and contributing meaningfully towards national priorities.
• Supervisory:
NABARD is authorized to conduct inspection of State Cooperative Banks (StCBs), District
Central Cooperative Banks (DCCBs) and Regional Rural Banks (RRBs). In addition, NABARD
has also been conducting periodic inspections of state level cooperative institutions such as
State Cooperative Agriculture and Rural Development Banks (SCARDBs), Apex Weavers
Societies, Marketing Federations etc., on a voluntary basis. It also suggests ways and means
for strengthening the institutions so as to enable them to play a more efficient role in
purveying rural credit.
Hierarchy in NABARD

About NABARD | 04
Advantages of working with NABARD

The nature of the function that NABARD performs is diverse compared to Commercial Banks.
Below are some of the many advantages of working with NABARD-
• After every 2-3 years, you will get posted to different departments, so the work is never
monotonous.
• In Commercial Banks, the primary role is financing. But the financial role of NABARD is
different as it does not have public dealings and is involved in refinancing or indirect financing
to governments, NGOs etc,. Even if NABARD is financing, it is limited to the institutions and
not individuals.
• Developmental and supervisory roles are something that are exclusive to NABARD.

02
NABARD Assistant Manager
About NABARD
Assistant
Manager
• How is the recruitment conducted?
• What is the pattern of the examination?
• What is the eligibility?
• How has the NABARD Grade A pattern
evolved?
• Cut-offs so far
• Is the recruitment regular?
• What is the syllabus of the examination?
• What is the training at NABARD like?
• What is the job profile?
• What is the salary?
• What are the promotion opportunities?
About NABARD Assistant Manager | 06
About NABARD Assistant Manager

How is the recruitment conducted?
NABARD Grade A is a 3 stage examination.
Phase 1 Phase 2 Interview

Preliminary Exam Mains Exam Stage
Online Exam Can opt for

Online Exam Objective interview
Objective Type + in either Hindi or
Total 200 Marks Descriptive Type English
Total 200 Marks Total 50 Marks
What is the pattern of the examination?

The details of each stage of NABARD Grade A is as below:
Phase 1 Exam Details -
• The Phase 1 examination or the preliminary examination is a single paper comprising 200
Questions and 200 Marks.
• The overall duration of this paper is 120 minutes i.e. 2 hours. Please note that there is no
sectional timing.
• For every wrong answer marked, 1/4th of the marks assigned to that question are deducted
as a penalty.

Section No of Max Marks

Questions
Test of Reasoning 20 20 Qualifying Section

(You just need to
English Language 30 30 clear sectional
cutoff)
Computer Knowledge 20 20
Quantitative Aptitude 20 20
Decision Making 10 10
General Awareness 20 20 Merit Section

(Shortlisting for
Phase 2 is based on
Economic and Social Issues (With 40 40
marks scored in the
focus on Rural India)
Merit section only)
Agriculture and Rural 40 40

Development (with emphasis on
Rural India)
Total 200 200
• Phase 2 Exam Details -

The phase 2 consists of 2 papers of 100 marks each -
Name of Paper Type of Paper Time (Minutes) No. of Questions Marks
Paper-I: Online 90 3 100

General English Descriptive
Paper II: 50% Objective 30 Min 30 Objective 100

Economic and Social 50% Descriptive 90 Min 04 Descriptive
Issues & Agriculture and (Total-120)
Rural Development

In Paper-II, 6 descriptive questions are asked out of which only 4 are supposed to be answered
(2 Questions of 15 marks and 2 questions of 10 marks each)
◦ The calling Ratio to qualify for the main examination and interview would be a maximum of
1:25 and 1:3, respectively.
◦ The ratio may be suitably changed at the discretion of the bank.
◦ There will be a penalty of 1/4th marks for every wrong answer marked in Phase-I and
Phase-II (objective part), both.
◦ Cut-offs in Phase-I and Phase-II may be applied in two stages: (i) On scores in individual
tests, (ii) On Total Score
• Interview stage -
The Phase-III of the NABARD Grade A examination consists of an Interview.
◦ Candidates are shortlisted for interview based on their Phase 2 marks only.
◦ Interview carries a weightage of 50 marks.
◦ Candidates can opt for interview either in Hindi or English.
The final selection of candidates is done by adding marks secured in Phase 2 and Interview.
What is the eligibility?

Eligibility is the first step to get into the preparation of any exam. Check out if you are eligible to take
the exam-
Age:
• Minimum age limit 21 Years Age Relaxation
• Maximum age limit 30 Years
(As of the 1st of the month of the
notification year)
3 5 10 13 15
years years years for years years
Educational Qualification (General Stream): for for Person for for
OBC SC/ST with PwBD PwBD
Bachelor’s Degree in any subject from a Benchm (OBC) (SC/ST)
recognized University with a minimum of ark
60% marks (SC/ST/PWBD applicants – 55%) Disability
in aggregate OR Post Graduate degree, [PwBD
MBA/PGDM with a minimum of 55% marks (UR)]
(SC/ST/PWBD applicants – 50%) in aggregate
OR CA/ CS/ICWA OR Ph.D from Institutions
recognized by GOI/UGC

How has the NABARD Grade A pattern evolved?

NABARD Grade A examination pattern has changed in the year 2021. Before the year 2021, the
Phase 1 was a single paper comprising 200 questions & 200 marks and the cut-off was
calculated out of 200 marks. The subjects included -
• Quantitative Aptitude (20 marks)
• Reasoning (20 marks)
• English (40 marks)
• Computer Knowledge (20 marks)
• General Awareness (20 marks)
• ESI (40 marks)
• ARD (40 marks)
The Phase 1 still is a single paper of 200 marks but now they have added one more subject,
Decision Making (10 marks) and reduced the weightage of English from 40 marks to 30 marks.
Also, it is now divided into merit & non merit sections, wherein ESI, ARD & GA constitute to merit
section and rest of them are qualifying in nature and the cut-off for Phase 1 is calculated out of
100 marks only.
Then Phase 2 had 2 papers-

• Paper 1 was Descriptive English (100 marks)
• Paper 2 was ESI & ARD (100 marks) that used to be an objective type.
Descriptive English has no changes, but paper 2 is now 50% objective & 50% descriptive.
Lastly, interview prior to 2021 had the weightage of 25 marks but now holds the weightage of
50 marks.
Cut-o s so far-
• NABARD Grade A 2021 Cut offs –
◦ Prelims -
▪ Overall Cut-Off (out of 100)
Discipline UR EWS OBC SC ST
Grade A 53.50 32.75 45.75 44.00 41.50

(General)

◦ Sectional Cut-Off
Category Quant Reasoning English Computer Decision GA ESI ARD

Making
UR/EWS 5.00 3.75 11.25 3.25 1.25 3.00 4.50 6.50
SC/ST/OBC 2.50 1.25 7.50 2.00 1.00 1.75 1.00 3.00
◦ Mains -
▪ Overall Cut-Off
Grade A (General) 118.42 115.50 114.08 109.67 109.83
▪ Sectional Cut-Off
Category UR / EWS SC/ST/OBC/PWD
Paper 1 – Descriptive English 50.25 48.50
Paper 2 – ESI & ARD Objective - 18.75 Objective - 16.00
Descriptive - 21.25 Descriptive - 19.00

◦ Prelims -
▪ Overall Cut-Off
Grade A 118.50 95.75 104.00 98.50 92.00

(General)

◦ Sectional Cut-Off
Category Quant Reasoning English Computer GA ESI ARD
UR/EWS 1.25 2.25 8.50 3.25 1.75 2.00 1.00
SC/ST/OBC 1.00 1.00 3.50 1.50 1.00 1.00 1.00
◦ Mains -
▪ Overall Cut-Off
Grade A 126.00 117.00 117.00 116.75 115.25

(General)
Paper 2 – ESI & ARD 46.00 41.75

◦ Prelims -
▪ Overall Cut-Off
Grade A 129.00 111.00 117.00 109.50 100.50

(General)

Category Quant Reasoning English Computer GA ESI ARD
UR/EWS 4.25 3.00 10.75 4.00 2.50 3.00 3.25
SC/ST/OBC 1.25 1.00 5.75 2.50 1.00 1.00 1.00
◦ Mains -
▪ Overall Cut-Off
Grade A 127.50 118.50 120.75 115.50 111.75

(General)
Paper 2 – ESI & ARD 45.50 40.75
Is the recruitment regular?

As per the past trends, the notification of NABARD Grade A exam is released every year, but the
month of the notification is not fixed.
What is the syllabus of the examination?

• Phase 1 Syllabus: -
Exact syllabus for NABARD Grade A Phase 1 is not provided in notification. The below topics
have been listed on the basis of previous year papers of NABARD Grade A examination. For
ESI and ARD sections, exact syllabus is provided in the official notification, the same is given
below:

• Reasoning: • Quantitative Aptitude:

◦ Alphanumeric series ◦ Ratio and Proportion
◦ Coding and Decoding ◦ Percentage
◦ Syllogism ◦ Profit and Loss
◦ Direction Sense ◦ Simple and Compound Interest
◦ Inequality ◦ Questions on Average and Age
◦ Ranking and Order
◦ Time and Work
◦ Blood Relation
◦ Pipes and Cistern
◦ Puzzles and sitting arrangement
◦ Time and Distance
◦ Input-Output
◦ Mixture and Alligation
◦ Questions based on Statements
◦ Questions on Series and Quadratic
◦ Questions based on Data Sufficiency
equation
◦ Mathematical Inequalities
◦ Number series
◦ Data interpretation
◦ Simplification/approximation
◦ Quantity comparisons
• English:
◦ Questions on Reading Comprehension ◦ Double fillers
◦ Sentence Rearrangement ◦ Error Detection and Sentence
◦ Cloze Test Improvement
◦ Parajumbles
◦ Vocabulary (Synonyms, Antonyms,
One-word Substitution, Phrasal verbs)
• General Awareness(GA): Based on past year exam analysis of NABARD Grade A, following
topics are most frequently asked from General Awareness section:

◦ Sports: Major tournaments and its

◦ Current affairs of the preceding 6
winners.
months from the date of examination
◦ Science, Technology and Space
◦ National News: MoUs, summits and
major events related to India. ◦ Awards and honours
◦ International: Summits, Conferences ◦ Environment

held abroad.
◦ Banking, Economy and Schemes
◦ Defence: Military exercises, drills and
major updates related to the defence ◦ Books and Authors
sector of India. ◦ Static GA: Chief Ministers and Cabinet
Ministers, National Parks and
◦ Days in News: Major events or days,
Sanctuaries, Organisations'
along with its date, and theme.
Headquarters, Banks' Headquarters
◦ Persons in News: Obituaries, and Taglines, Power Plants in India,
appointments, retirements. Indian Dance Forms, Countries'
Capitals and their Currencies.
• Decision Making: • Computer Knowledge:

◦ Basics of Decision Making ◦ Computer Awareness
◦ Types of Decision Making ◦ Hardware and Memory
◦ Decision Making Models ◦ Software and Operating Systems
◦ Decision Making Approaches ◦ MS Office
◦ Factors affecting Decision Making ◦ Database Management System
◦ Types of Problems Decision Making ◦ Internet and Computer Security
◦ History and Computer & Generations
◦ Shortcuts
• Economics and Social Issues –
◦ Nature of Indian Economy - Structural and Institutional features - Economic

underdevelopment - Opening up the Indian Economy - Globalisation - Economic
Reforms in India - Privatisation.
◦ Inflation - Trends in Inflation & their Impact on National Economy and Individual Income.
◦ Poverty Alleviation and Employment Generation in India - Rural and Urban -

Measurement of Poverty - Poverty Alleviation Programmes of the Government.

◦ Population Trends - Population Growth and Economic Development -Population Policy

in India.
◦ Agriculture - Characteristics / Status - Technical and Institutional changes in Indian

Agriculture - Agricultural performance - Issues in Food Security in India - Non
Institutional and Institutional Agencies in rural credit.
◦ Industry - Industrial and Labour Policy - Industrial performance - Regional Imbalance in

India's Industrial Development - Public Sector Enterprises.
◦ Rural banking and financial institutions in India - Reforms in Banking/ Financial sector.
◦ Globalisation of Economy - Role of International Funding Institutions - IMF & World Bank
- WTO - Regional Economic Co-operation.
◦ Social Structure in India - Multiculturalism - Demographic trends - Urbanisation and

Migration - Gender Issues Joint family system - Social Infrastructure - Education -
Health and Environment.
◦ Education - Status & System of Education - Socio -Economic Problems associated with
Illiteracy - Educational relevance and educational wastage - Educational Policy for India.
◦ Social Justice: Problems of scheduled castes and scheduled tribes - socio-economic

programmes for scheduled castes and scheduled tribes and other backward classes.
Positive Discrimination in favour of the under privileged.
◦ Social Movements.
◦ Indian Political Systems.
◦ Human Development.
◦ Current Economic & Social Issues.
• Agriculture and Rural Development –
◦ Agriculture: definition, meaning and its branches.
◦ Agronomy: definition, meaning and scope of agronomy.
◦ Classification of field crops. Factors affecting crop production, Agro Climatic Zones.
◦ Cropping Systems: Definition and types of cropping systems. Problems of dry land
agriculture.
◦ Seed production, seed processing, seed village.
◦ Meteorology: weather parameters, crop-weather advisory.

◦ Precision Farming, System of Crop Intensification, organic farming.
◦ Soil and Water Conservation : Major soil types, soil fertility, fertilisers, soil erosion, soil
conservation, watershed management.
◦ Water Resource: Irrigation Management: types of irrigation, sources of irrigation, crop-

water requirement, command area development, water conservation techniques, micro-
irrigation, irrigation pumps, major, medium and minor irrigation.
◦ Farm and Agri Engineering: Farm Machinery and Power, Sources of power on the farm-
human, animal, mechanical, electrical, wind, solar and biomass, bio fuels, water
harvesting structures, farm ponds, watershed management, Agro Processing,
Controlled and modified storage, perishable food storage, godowns, bins and grain
silos.
◦ Plantation & Horticulture: Definition, meaning and its branches. Agronomic practices
and production technology of various plantation and horticulture crops. Post-harvest
management, value and supply chain management of Plantation and Horticulture crops.
◦ Animal Husbandry: Farm animals and their role in Indian economy, Animal husbandry
methods in India, common terms pertaining to different species of livestock, Utility
classification of breeds of cattle. Introduction to common feeds and fodders, their
classification and utility. Introduction to poultry industry in India (past, present and
future status), Common terms pertaining to poultry production and management.
Concept of mixed farming and its relevance to socio-economic conditions of farmers in
India. Complementary and obligatory nature of livestock and poultry production with
that of agricultural farming.
◦ Fisheries: Fisheries resources, management and exploitation - freshwater, brackish

water and marine; Aquaculture- Inland and marine; biotechnology; post-harvest
technology. Importance of fisheries in India. Common terms pertaining to fish
production.
◦ Forestry: Basic concepts of Forest and Forestry. Principles of silviculture, forest

mensuration, forest management and forest economics. Concepts of social forestry,
agroforestry, joint forest management. Forest policy and legislation in India, India State
of Forest Report 2015. Recent developments under the Ministry of Environment, Forest
and Climate Change.
◦ Agriculture Extensions: Its importance and role, methods of evaluation of extension

programmes, Role of Krishi Vigyan Kendra's (KVK) in dissemination of Agricultural
technologies.

◦ Ecology and Climate Change: Ecology and its relevance to man, natural resources, their
sustainable management and conservation. Causes of climate change, Green House
Gases (GHG), major GHG emitting countries, climate analysis, distinguish between
adaptation and mitigation, climate change impact to agriculture and rural livelihood,
carbon credit, IPCC, UNFCCC, CoP meetings, funding mechanisms for climate change
projects, initiatives by Govt of India, NAPCC, SAPCC, INDC.
◦ Present Scenario of Indian Agriculture and Allied activities; recent trends, major
challenges in agriculture measures to enhance viability of agriculture. Factors of
Production in agriculture; Agricultural Finance and Marketing; Impact of Globalization on
Indian Agriculture and issues of Food Security; Concept and Types of Farm
Management.
◦ Rural Development: Concept of Rural Area, Structure of the Indian Rural

EconomyImportance and role of the rural sector in India- Economic, Social and
Demographic Characteristics of the Indian rural economy, causes of Rural
Backwardness.
◦ Rural population in India; Occupational structure, Farmers, Agricultural Labourers,

Artisans, Handicrafts, Traders, Forest dwellers/tribes and others in rural India- Trends of
change in rural population and rural workforce; problems and conditions of rural labour;
Issues and challenges in Handlooms.
◦ Panchayati Raj Institutions – Functions and Working. MGNREGA, NRLM – Aajeevika,

Rural Drinking water Programmes, Swachh Bharat, Rural Housing, PURA and other rural
development programmes.
• Phase 2 Syllabus:
As per the 2021 NABARD Grade A notification, the syllabus for all subjects is indicative and
not exhaustive.Candidates should also prepare themselves for answering questions that may
be asked on the current/latest developments/Acts taking place under the subject(s) although
those topics may not have been specifically included in the syllabus.
• Syllabus for Phase II (Main Examination) is furnished below:

▪ Paper I – English:
Essay, Précis writing, Comprehension and Business/Office Correspondence. The paper
on English shall be framed in a manner to assess the writing skills including expressions
and understanding the topic.
▪ Paper-II - Economic and Social Issues (ESI) and Agriculture and Rural Development
(ARD): The syllabus of Paper II is same as the syllabus of ESI & ARD in Phase 1

What is the training at NABARD like?

In NABARD, training is a continuous process and hence it happens once or twice a year, for
everyone.
• What are the training establishments and where are they located?
The Bank has three training establishments at Kolkata, Lucknow and Mangalore serving the
needs of both NABARD staff as well as staff of other banks, NGOs and Government officials.
These training establishments of NABARD are named as Bankers Institute of Rural
Development (BIRD).
• What is the duration of the training?

After your selection, you undergo an induction program at Lucknow training center, which is
basically an initiation ceremony, where you get to learn about NABARD, your job description,
your rights and duties and roles & responsibilities. The duration of the training is generally 2-3
weeks. After that, on-job training starts and you are on a probation period of 2 years.
• Training opportunities abroad?

In NABARD you may get a chance to get training abroad, however you do not get any postings
there and the duration of the training lasts from 1 week to 1 month.
What is the job profile?

Work profile is very exciting, you get to learn a lot and it's very empowering to work with
NABARD. Let's see what actually makes this profile so exciting.
What does a NABARD Grade A officer do?
As a Grade A officer, you are the first person, facing the client, whether it is a Bank, NGO or State
Government. So, you are expected-
◦ To interact with the client at the ground level (for which you will be trained well on a prior
basis).
◦ To do the preliminary scrutiny of any application for a loan or a grant that comes to
NABARD from these institutions.
◦ If any agency approaches NABARD for any assistance, then the job is to assess their
proposal to do some kind of due diligence. Not just that, you are also given the
responsibility to present that proposal before the senior management, whether it's in the
Head Office or in the Regional Office.

How is the work-life balance at NABARD?
In spite of being the junior most officer, the work profile of Grade A officer is very enriching,
because you are able to contribute to the vision of the NABARD from day 1 and you gain
experience from day 1.
NABARD is a very lean organization. It is an officer oriented organization that has around 3000
staff working all over India. When it comes to work culture, NABARD is known for its
transparency, integrity and honesty which is why everyone wants to work with NABARD,
whether it is an international partner, government or the state governments. Work-life is really
balanced at NABARD because, one gets sufficient leave in a year, it is a 5 days a week office and
there are enough sports and gym facilities in the office and in the staff quarters. The staff
quarters are available everywhere in the country where NABARD offices are situated.
NABARD invests a lot in its staff so there is a lot of coaching and mentoring that happens all the
time. All in all, work culture is very open at NABARD, as much as, you are an Assistant Manager
but you are free to directly present your case to the CGM itself. Hence, the relationship with the
staff and the top management is always very cordial.
What is the salary?

◦ Basic pay of ₹44,500/-p.m. in the pay scale of ₹ 44500 – 2500 (4) – 54500 – 2850 (7) –
74450 – EB – 2850 (4) – 85850 – 3300(1)- 89150 (17 years)
◦ Officers will also be eligible for Dearness Allowance, Local Compensatory Allowance,
House Rent Allowance, and Grade Allowance as per rules in force from time to time.
◦ At present, initial monthly gross emoluments are approximately ₹ 1,00,000/-
• What are the other allowances and benefits?

◦ Bank’s accommodation, subject to availability
◦ Reimbursement of expenses for maintenance of vehicle for official purpose,
◦ Newspaper, Telephone charges, Book grant, allowance for furnishing of residence, etc. as
per eligibility.
◦ Free dispensary facility besides reimbursement of medical expenses for OPD
treatment/hospitalization as per eligibility.
◦ Loans and Advances at concessional rates of interest for Housing, Car, Education of
children, Consumer articles, Personal computer, etc.
◦ Reimbursement for higher studies: NABARD provides reimbursement of upto Rs. 4 lakhs if
you wish to pursue any part time course/degree. It also provides full reimbursement for
higher studies from some of the selected institutes listed by NABARD (top notch institutes
of the world), but in this case it is at the discretion of the organisation.

What are the promotion opportunities?

NABARD Grade A Promotion Ladder
Post Promoted in Process of promotion Role

(Years)
Chairman NA Appointed by Head of NABARD

Government of India
Deputy Managing Based on Depends on the vacancy

Director (DMD) performance
Grade F - Chief After 3 years as Based on Interview CGM is the head of state
General Manager GM or Regional office
(CGM)
Grade E - General After 3 years as Based on Interview GM is the Officer

Manager (GM) DGM incharge and is the
second person after the
CGM in a Regional Office
Grade D - Deputy After 4+ years as Internal written test DGM is the head of 3-4
General Manager AGM (You get a followed by interview. sections
(DGM) driver once you (From here, promotions
are posted as are dependent on no. of
DGM) vacancies)
Grade C - Assistant After 4 to 6 years Based on Interview AGM is the head of the
General Manager as Manager section or a department
(AGM)
Grade B - Manager After serving 4 to Direct recruitment Grade A & B officers

5 years as Asstt. through exam work together in a
Manager OR section or department
Without any test or therefore the work profile
interview after serving a is almost the same.
few years as Grade A
Grade A - Assistant Entry Level Direct recruitment You are the first person,
Manager through a 3 stage exam facing the external client,
whether it is a Bank, NGO
or State Government

Apart from the hierarchy above, there is one more post named, District Development Manager
(DDM). You might be eligible to become a DDM after serving as a manager. The DDM is the top
most officer of a district and is liable to a Residence-cum-office in that district. The role of a
DDM is to coordinate with different other bodies like banks, Deputy commissioners, municipal
corporation, municipal councils, etc. for credit planning, monitoring and coordination and
evolving a coordinated approach for credit deployment in the respective district. This post is
considered to be a golden post in NABARD.
• All about postings:

The first posting that one can expect is either in the head office, i.e., Mumbai, or any state
capitals, or in one of the training establishments. As far as lady officers are concerned,
NABARD tries to accommodate them in their home state or the state closer to their home
state, however it depends on the vacancy. In annual transfers, there are considerations for
medical cases or the married couples. So the postings and transfers in NABARD are not very
difficult. You need not worry much about transfers in NABARD because it happens only after
spending 5-6 years in one place.

Resources to
become
NABARD Assistant
Manager
• Resources for Interview

Resources to Become NABARD Assistant Manager | 23
Resources for Phase 1

In this section we will share the recommended books and other sources you need for
Quantitative Aptitude, Reasoning, English, Computer Knowledge, Decision Making and General
Awareness. ESI and ARD of Phase 1 we will discuss under Phase 2 as they are common for both
Phase 1 & 2.
• Quantitative Aptitude - • Computer Knowledge -

Quantitative Aptitude by Dr. R.S. The easiest subject in phase 1 of NABARD
Aggarwal and Lucent’s Quantitative Grade A exam is computer knowledge. The
Aptitude for CAT/XAT are the two good 2 books recommended for this subject are
books for the preparation, but these Computer Awareness by Arihant and
books alone will not be helpful, you will Computer by Lucent’s but they are not to
need to complement your preparation be done cover to cover and just go through
with YouTube videos and the PYQs. PYQs only those topics that are mentioned in the
will assist you about the type of syllabus above.
questions asked in the examination.
• Decision Making -
• Reasoning - There is no single book that would fulfill the
For reasoning the recommended books demand of the exam. There are 3 books
are A New Approach to Reasoning By namely, Principles & Practice of
Arihant and A Modern Approach to Management by T.N. Chabra, Principles &
Verbal & Non-Verbal Reasoning by Dr. Practice of Management by L.M. Prasad
R.S.Aggarwal. Again these are not and Principles of Management by Mc
sufficient and need to be complemented Graw Hill Publication. However, they need
with YouTube lectures and PYQs to have not be read cover to cover and only a few
an idea of the types of questions asked in topics such as Steps to make a decision,
the exam. types of decision, techniques of decision
making, etc are important to be covered.
• English Language - Also, go through the PYQ of 2021, to have a
Here you need to understand that merely fair idea about what to read and what to
reading out a book will not do the job. So, skip.
we are not recommending a book for
English. What we suggest for English is • General Awareness (GA) -
reading good English Newspapers like General Awareness is divided into static
The Hindu & The Economic Times which and current affairs. For static GK, the
will help you improve your vocabulary and recommended book is Lucent’s General
reading speed. Knowledge and for current affairs, you need
to cover 3-4 months of current affairs from
any good magazine that is relevant for the
exam.

Resources for Phase 2

Descriptive English -
There is no book that can be suggested for Descriptive English. The only 2 things that come to
the rescue are, PYQs and the Newspaper editorials. PYQs will help you with the types of
questions asked in the examination. To improve your vocabulary & speed in Reading
comprehension and Precis writing, read as many editorials as possible. Letter, report and essay
writing are to be written in a particular format/structure which you can learn through YouTube
Videos by Narveer sir, or any other mentor you are comfortable with. All in all, Descriptive English
is all about practice, the more you practice the better you get.
Economics & Social Issues(ESI) -

ESI can be further divided into ESI Static and current affairs.The weightage of ESI Static is not
very high and if your current part is prepared, the static part can be easily dealt with because
economics & social issues are majorly about the current things going on in the country. Still, if
you are completely new to this subject, you may consider reading Indian Economy by Ramesh
Singh for economics and Social Problems in India by Ram Ahuja for social issues. But read only
the selective topics from these books, as per the syllabus. The most important topics w.r.t.
current affairs are as below-
• Latest Union Budget Economic Survey - Budget and Economic Survey documents are too
bulky, you need not go through it in whole, rather you can just go through the summary
document or videos available on YouTube and solve questions on them.
• Reports + Rankings/Indices - The reports that are released 6-7 months prior to examination
are really important.
• Summits + Conferences that are related to the syllabus such as gender issues, sustainable
development, etc.
• Government Schemes - To be covered only those which are regularly in news for eg., one
nation one ration card scheme, this is an old scheme but is important because, The
Department of Food and Public Distribution (DFPD) received the Prime Minister’s Award for
Excellence in Public Administration, 2020 for the ‘One Nation One Ration Card’ scheme. This
simply means that no matter the scheme is old or new, if it is in news due to any
modifications, year celebration or due to any other reasons, it becomes important for the
upcoming exams.
• Important Committees + Commissions
• GDP Forecasts - The GDP forecast, 5-6 days prior to the examination is very important for
the exam.
• Latest Socio Economic and Caste Census (SECC) & Census

How to cover them? The recommended sources are given below -

• PIB - It is the major source to cover the current affairs
• PRS
• NABARD Website
• Standard Newspapers like The Hindu, Businessline & Economic Times
• Vikaspedia - For government schemes
It is, however, a tedious task to cover everything from these given sources and then make notes
from them for revision. So we suggest you refer to some good compilation that covers all these
sources in one place. But it should be relevant for the NABARD Grade A exam.
Agriculture & Rural Development (ARD) -

ARD is again divided into static and current parts.
ARD Static -
For the static part there is no single book that will help, you will therefore have to choose the
topics from different books to cover the syllabus holistically. Some of the recommended books
for ARD Static are -
• Agriculture at a glance by Arun Sharma
• Fundamentals of Agriculture by Arun Katyayan
• Elements of Agriculture Engg by Dr Jagadeeshwar Sahay
• Glaustas Horticulture by P Muthu Kumara and R Selva Kumar
• A Text book of Animal Husbandry by G C Banerjee
• A Competitive Book of Agriculture by NemRaj Sunda - This book has a lot of topics of the
syllabus so you can refer to it majorly.
Besides, these books are not to be read cover to cover, rather selective topics are to be referred
from these books. If you are planning to take up a course, you can prepare ARD without these
books only from the course material.
ARD Current Affairs-

Important topics to be covered for ARD current affairs are as below -
• Latest Agriculture census, Livestock census & Handloom census - 1 or 2 questions are
asked almost every year from these census.
• Latest Minimum Support Prices (MSPs) released - Same as GDP forecast in ESI, for ARD,
MSPs are released by the government for Rabi marketing season, kharif marketing season,
etc.
• Latest advance estimates released - These estimates are released on PIB so you can cover
it from there and Handbook of Agriculture, Handbook of Horticulture, Handbook on Fisheries
statistics (For yearly data) are also released by the respective ministries on their website
and needs to be covered for the facts and figures related to the syllabus.

• Schemes related to agriculture and allied sectors, Rural India development and allied
sectors of rural India.
• Latest Reports like NAFIS survey, Agricultural Marketing and Farmer Friendly Reforms Index
etc. are important and are easily available on their respective websites.
• Annual Report of - NABARD, Ministry of Rural Development (MoRD) and Ministry of
Agriculture & Farmers' Welfare (MoAFW). However, the annual report of only NABARD is
more important and that of MoRD & MoAFW is not that important.
How to cover them? Through the sources mentioned below -

• PIB
• PRS
• NABARD Website
• Ministry Websites
• Vikaspedia
But you need to understand that if you are reading from these websites, you have to have your
own notes so as to make revision easy when the exam is close. Else, you may refer to some good
compilation that covers all these sources in one place
Resources for Interview

Interview is a very important part of your recruitment cycle for 2 reasons -
• The marks of the interview are counted in the final merit list, i.e., the final merit is released
on the basis of marks of Phase 2 + interview.
• The weightage of the interview which was 25 marks prior to the 2021 examination has now
increased to 50 marks.
Since it is a hard earned stage, one cannot lose the rhythm here, the consistency that was
maintained till Phase 2 should remain till the interview stage as well. So, let us see what all is
required for this stage -
• First of all, How is the interview conducted? Interview is conducted in the Regional offices
of NABARD for which you are supposed to send an email to NABARD with your Roll no.,
Name, Disciple and Choice of Centre. If you do not send this email, by default your interview
centre would be the same as your mains examination centre.
• Now, What to do at this stage? First is, Prepare Your Best because a few things you cannot
control such as, mood of the examiner but preparation can be well in your control. Interview
is basically the personality test and knowledge here is secondary because knowledge has
already been tested in the previous 2 stages. These are the 4 Pillars for being interview
ready -

• About Yourself - You need to prepare about yourself on these lines -

◦ Prepare a list of questions from your Detailed Application Form (DAF) that is to be filled
before the interview
◦ Make all possible questions on every column that you fill
◦ Prepare the best answers and make sure you are pretty honest during the interview and
you are good at presenting your answers well.
◦ Discuss the answers with your family and friends
You need to be crystal clear about yourself because if you are not aware of the functions of
NABARD, it can be acceptable, but if you are not confident about your educational background,
your work experience, etc., that creates a really bad impression.
• About NABARD - It is very important to know about the organization you are going to work
with, so you need to cover these things from the NABARD website-
◦ Working & functions of NABARD
◦ NABARD Annual Report (Latest) - Specifically if anything related to your state is
mentioned, needs to be covered.
◦ State Focus Paper by NABARD - There is a paper on NABARD website for every state, you
just need to read the paper related to your state and a neighbouring state.
◦ Important initiatives and projects by NABARD.
◦ Also, when you are done with about yourself and NABARD, you also should be able to link
how your expertise can be beneficial in NABARD, for eg. you have done B.Tech, so how
your qualification can help, to which you may answer that your technical knowledge can
help in further advancements in the organization or something of that sort. Basically you
need to be thorough with your DAF and NABARD functions & working.
• Current Issues
◦ Latest Union Budget & Economic Survey - specially the agri budget data
◦ Current Issues related to Agriculture & Rural Developments - You can cover them from
magazines like Kurukshetra, Krishi Jagran or through newspapers.
◦ Developments in the Economic Sector - Newspapers are the best source to cover them.
◦ Day to day events going on.
• Your Static Syllabus
◦ Brush up ESI and ARD as they may ask about the basic concepts and terms in the
interview however, the chances are less
◦ Central government Schemes and state schemes of your state, related to Agriculture &
Rural Development

• Second is to Take Mock Interviews. Why?

◦ Because it helps you test yourself
◦ It stimulates your thought process. For eg., the questions asked in the mock interview may
be on different lines which you might have not even thought of.
◦ It gives you firsthand experience, but only if you take a mock interview from an
experienced panelist.

Our 6 step
04
formula to
become
NABARD Grade
A O icer
• What is the 6 step formula?
• Our legacy - Our Students
Our 6 step formula to become NABARD Grade A O icer | 30
Strategy and Study Plan For NABARD Grade A 2022 Examination
What is the 6-Step Formula?
Set a
clear goal #1
Always remember that when goals are vague, outcomes are vague. So does it mean that you
must set only 1 and clear goal of clearing the NABARD Grade A examination? You may. Nothing
wrong in it. We, however recommend following a Plan A and Plan B approach. And no, Plan B here
does not mean a backup career option! What it means is that you should design your Plan A and
Plan B exams in such a manner that 1) the preparation of your Plan A exam/s ‘must’ automatically
lead to atleast 80% preparation of Plan B exam/s and 2) when you are devoting time to study for
Plan B exam/s, it must automatically strengthen your preparation for Plan A exam/s.
For example - Let's say your Plan A exam is to crack the NABARD Grade A exam, what should be
your Plan B? The most ideal Plan B will be RBI Grade B exam. How? Because it checks both points
as explained above - preparation of NABARD Grade A automatically leads to preparation of 80%
syllabus of RBI Grade B and when you are devoting time to study anything for RBI Grade B, it is
actually strengthening your preparation for NABARD Grade A as well. Understood? Let's move to
step 2.
Understand
#2 the exam
The syllabus and previous year questions are like the 2 headlights of your car of preparation.
You miss one of these and your car will meet with an accident, let me guarantee you this right
here! The biggest blunder aspirants like you commit is that they do not define the scope of the
syllabus of the examination and prepare under the impression that anything and everything can
be asked in the examination which is even remotely related to the syllabus!

Hell no! This is NOT the case. Download and print a copy of the syllabus and then do the same
for previous year questions (link has been provided above). Go through the syllabus atleast 10
times and then go through the previous year questions (year wise) and see for yourself what are
the important topics and in what depth they need to be studied for the examination. Believe me,
more than 90% of the so-called sincere aspirants do not do this.
Shortlist
Resources #3
Based on step 2 above, now is the time to shortlist your study sources - be it coaching material,
books, websites, magazines, or the like! And remember, once you prepare a list of the resources
that you are going to follow, DO NOT get swayed by new material that keeps flooding the market
through telegram, Facebook, websites, advertisements, etc! Keep your head down and focus on
completing your study sources. Yes, once you are done with your sources, you can move to a
secondary source but not before that!
Design a
#4 Time Table
This is a very important step - you must design a time table for yourself. This time table is for
‘you’ and ‘you’ alone. Do not compare your time table with others, some like studying early in the
morning, some like to burn the midnight oil, some can sit at a stretch for 6 hours, some study for
2 hours and take a break and then study again. Some study on all 7 days, some study for 5 days
and take a 2-day break. Whatever! The point or the goal is to have a time table that ‘works’ for
‘you’. It is not meant to earn shower of praises from your parents, friends or peers!

Aour 6 step formula to become NABARD Grade A O icer | 32
Develop
Consistency #5
Ah consistency! The ever-elusive thing! The secret to developing consistency is to make ‘micro
easy targets’. How? Let's compare 2 situations. Student A makes a plan that he will study 8 hours
everyday starting tomorrow and sets a goal for himself for the next day - cover 50 pages of
current affairs magazine, 20 pages of motivation theories from a book, 50 questions of ratio and
proportion and write 1 essay. He starts his day full of energy but towards the end of the day finds
himself in quite an uncomfortable position realizing that only 50% of the target has been
covered. He is not able to sleep comfortably that night and gets up the next morning tired and
frustrated. Now he has to complete the pending tasks of Day 1 as well as cover whatever he
decided foe Day 2 as well! Quite an uphill task, don’t you think?
On the other hand, Student B makes a plan that he will also study 8 hours a day and sets a goal
of completing 20 pages of current affairs magazine, 10 pages of motivation theories and 1 essay.
What will happen is that this student will complete his target ahead of schedule and having done
that feel elated, joyful and full of confidence! This will lead to a good night’s sleep and hence
even higher energy for the next day!
Getting my rhythm? This is how you make ‘micro and ‘easy’ targets and achieve them daily and
move ahead with consistency.
Develop
#6 Faith
Always think from your mind and feel from your heart. If you reverse this sentence, you will get
trapped in ‘emotions’. Being emotional isn’t bad at all, it’s good! Getting trapped in emotions is
what is bad! Once you complete step 1-5, you will start to develop faith in yourself. Have a little
trust on your mentors as well, talk to them, mail them, get in touch and see how they can help
you!
After you learn and understand this 6 Step Formula to dominate NABARD Grade A Exam, you can
literally apply it on any examination you are taking or might take in the future!
The above formula will always help you set a clear goal (Plan and B) and plan all your activities
around that one clear goal.

Do you wish to dig in deep to know more about this
6-Step formula and how

YOU can be benefitted
from this?
To get all your answers:

• Scan QR code
• Register for FREE NABARD Grade A Domination Workshop

Our Legacy - Our Students
Mr. Albin Sunny Mr. Amol Darade Mr. Deepak Kumar Mr. Gowtham
NABARD Grade A 2021 NABARD Grade A 2021 NABARD Grade A 2021 NABARD Grade A 2021
Mr. Vikram Joshi Mr. Vinayak Langote Ms. Arti Shukla Mr. Nithin
Mr. Akash Kumar Singh Mr. Amit Godara Mr. Ananta shinde Mr. Aniket Goel
Mr. Ashish Mishra Mr. Deepak P Houde Mr. Gopal Sarkate Mr. Himanshu Yadav
Mr. Karthigeyan Mr. Pavan Mr. Prajakt Dhawale Mr. Pranjal

Mr. Rinku Meena Mr. Sagar Dhatkar Mr. Siddhant Ahuja Mr. Somjit Bhar

Mr. Sumit Kumar Ms. Ayisha Nazmin Ms. Dharana Ms. Diksha Mandavi
NABARD Grade A 2021
NABARD Grade A 2021 NABARD Grade A 2021 NABARD Grade A 2021
Ms. Mathivathana Ms. Nandini Ms. Pavithra Ms. Prashsti Godara

Ms. Divya Goswami Ms. Sangeeta Rani Mr. Ankur Bhati Mr. Kalapala Vinod Kumar
Mr. Nimish Mr. Pravin Mr. Ravi Kant Mr. Sudarshan


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Table

About NABARD Assistant Manager

Resources to become NABARD Assistant Manager

Our 6 step formula to become NABARD Grade A O icer

Copyright 2022 @ EduTap Learning Solutions

• Brief History of NABARD

• Advantages of working with NABARD

NABARD, as a Development Bank, is mandated to

Brief History of NABARD

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www.edutap.co.in +91 81462 07241 hello@edutap.co.in

Advantages of working with NABARD

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About NABARD Assistant Manager

NABARD Grade A is a 3 stage examination.

Phase 1 Phase 2 Interview

Online Exam Can opt for

What is the pattern of the examination?

Phase 1 Exam Details -

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Section No of Max Marks

Test of Reasoning 20 20 Qualifying Section

General Awareness 20 20 Merit Section

Agriculture and Rural 40 40

Total 200 200

• Phase 2 Exam Details -

Name of Paper Type of Paper Time (Minutes) No. of Questions Marks

Paper-I: Online 90 3 100

Paper II: 50% Objective 30 Min 30 Objective 100

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What is the eligibility?

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How has the NABARD Grade A pattern evolved?

Then Phase 2 had 2 papers-

▪ Overall Cut-Off (out of 100)

Discipline UR EWS OBC SC ST

Grade A 53.50 32.75 45.75 44.00 41.50

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Category Quant Reasoning English Computer Decision GA ESI ARD

UR/EWS 5.00 3.75 11.25 3.25 1.25 3.00 4.50 6.50

SC/ST/OBC 2.50 1.25 7.50 2.00 1.00 1.75 1.00 3.00

Discipline UR EWS OBC SC ST

Grade A (General) 118.42 115.50 114.08 109.67 109.83

Category UR / EWS SC/ST/OBC/PWD

Paper 1 – Descriptive English 50.25 48.50

Paper 2 – ESI & ARD Objective - 18.75 Objective - 16.00

Descriptive - 21.25 Descriptive - 19.00

• NABARD Grade A 2020 Cut offs –

Discipline UR EWS OBC SC ST

Grade A 118.50 95.75 104.00 98.50 92.00

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Category Quant Reasoning English Computer GA ESI ARD

UR/EWS 1.25 2.25 8.50 3.25 1.75 2.00 1.00

SC/ST/OBC 1.00 1.00 3.50 1.50 1.00 1.00 1.00

Discipline UR EWS OBC SC ST

Grade A 126.00 117.00 117.00 116.75 115.25

Category UR / EWS SC/ST/OBC/PWD

Paper 1 – Descriptive English 49.00 43.00

Paper 2 – ESI & ARD 46.00 41.75

• NABARD Grade A 2019 Cut offs –