This presentation gives a brief overview of the major features of the NABARD supported Umbrella Program on Natural Resource Management, details of the sanctioned projects and its major outcomes. This was presented at the Madurai Symposium organized by DHAN Foundation in September 2013.

1. Umbrella Programme for Natural
Resource Management(UPNRM)

2. Background


NABARD has been implementing
NRM projects (watershed, Tribal
Development) for the last two
decades.
To further upscale and integrate
existing and future NRM efforts
into participatory interventions
Umbrella Programme on NRM
(UPNRM) was launched by
NABARD in collaboration with GIZ

3. Under Phase I :
From KfW
€ 15 million loan on IDA terms,
€ 1.4 million grant
€ 3 million for accompanying measures
From GIZ
Technical Cooperation (TC) of € 8.5 million assistance
by GDC to NABARD from GIZ.
Under Phase II
From KfW
€ 10 million loan on IDA terms,
€ 42 million loan on RIL
€ 2 million for accompanying measures

4. What UPNRM offers
 Flexible Financial product with Loan cum grant
–
Term Loan
–
Working capital
–
Revolving fund
–
Grant for capacity building, product design, market
development, branding, management cost etc. Need Based (
Max. 20% of the loan component)
 Supports innovations ( technology/ methodology/
approaches) for livelihood enhancement through NRM
 Working on the issues related to climate change and
livelihoods
 In next phase special programme of 5 million Euro for
preservation of bio diversity in different ecological zones

5. Major areas of intervention under UPNRM
• Develop and market flexible loan cum grant products for
NGOs, Corporate, Producer Companies, State Governments,
Banks, MFIs, Cooperatives
• Promoting private sector’s participation through PPPs in
the implementation of public investment programmes for
rural areas
• Establishing a vibrant IKM system to upscale successful
models
• Awareness creation and capacity building of stake holders
• Achieving synergy within communities and other
stakeholders for sustainable NRM
• Dissemination of learning to decision makers for guiding
national Policies and Public investments.

6. GIZ-NABARD Project Management Units (PMU)
The collaboration between
NABARD & GIZ for
implementing UPNRM in
Lucknow, Pune, Bangalore
TASKS INCLUDE:
• Handholding of CPs
• Scouting of new projects
• Appraisal of proposals/
projects
• Capacity building
• Convergence with other
projects/ programmes

7. Guiding Principles
All projects must meet the criteria of the five guiding
principles to quality for support
• Pro-poor: improves employment, reduces poverty,
improves access to credit, information, entitlements
• Ensuring sustainability: conserves / augments NRM
base of the region, prevents degradation
• Good Governance: Equity in ownership and access
and use of resources, decentralized decision making,
accountability and transparency
• Community participation: ownership / management/
empowerment
• Integrated approach: need-based and flexible,
convergence with other schemes / programmes
• Efficient and Effective (PPP) : Increasing Outreach and
efficiency. Reduction in cost of delivery, improvement
in quality of service delivery.

8. Loan Product
• Credit (TL+WC); investment, marketing, production,
etc.
• Cost of fund
• Margin (owner’s stake)
• Moratorium & Repayment period
• Security – collateral – type and extent

9. UPNRM Grant Component
• Need based grant
• Common, non –revenue
generating infrastructure
• Training and skill building,
• Community mobilization,
• System development

10. UPNRM Clients/ Channel Partners
State Governments & Government owned, aided,
related department, corporations, organization,
agency, institute, promotion councils, authorities,
boards etc
•
•
•
•
•
Banks
Corporate s
Producer Company
Producer cooperative/ federation,
Not for profit companies registered under
section 25 of Indian Companies Act
• Civil Society Organization’s enterprise
• Societies registered under Soc. Registration Act
• Trusts registered under Indian Trusts Act 1880

11. Sectors Covered Under UPNRM (1/2)
Core Areas
• Soil and water conservation (watershed, dry land
farming systems)
• Plantation and horticulture (tree based farming,
Bamboo based farming, organic farming, energy
plantations)
• Forestry activities (rehabilitation and
management, community forest management,
biodiversity conservation)
• Farming systems management (including
livestock and aquaculture resources)
• Climate change adaptation / Clean Development
Mechanism (CDM)

12. Sectors Covered Under UPNRM (2/2)
Supplementary / Support areas
• Forward and backward linkages and livelihood generating
activities; processing, storage, marketing, supply chain
• Critical rural infrastructure (including rural roads, minor
irrigation, drinking water)
• Renewable energy (micro/mini-hydel, biomass based power
generation, biofuels, wind-power, solar power)
• Livelihood generating activities (dairy, poultry, fisheries, etc)
• Information and Knowledge Management

13. Key Players in PPP in the NRM Sector
Public Sector
• Central Government
• State Government
• Panchayati Raj Institutions (PRIs)
• Development Financial Institutions
• Technical Universities
• Promotion Councils- APEDA and State Marketing Board
• Institutions/Agencies under Central/State departments- National
Rainfed Authority, CAPART
Private Sector
• Corporate/ Business houses
• Civil bodies/organizations
• NGOs, MFIs, research organizations, implementing agencies
• CBOs- SHGs, producers companies, co-operatives
Others
• Commercial Banks
• Multilateral/Bilateral development agencies (often considered as
Public organizations)

14. • No. of projects sanctioned – 173
• Total Amount sanctioned – Rs. 3959.87 million
– Loan – Rs. 3721.92 million
– Grant – AM – Rs. 220.81 million
– FC Grant – Rs. 17.19 million
• Total amount disbursed – Rs. 2286.84 million
– Loan – Rs. 2173.62
– Grant – AM – Rs. 109.678 million
– FC Grant – Rs. 3.55 million
• Repayment Recd as on Date INR 1037 million
• Outstanding INR 1288 million

15. Channel Partner –wise no of projects/Assistance sanctioned
PO, 17%, 24
%
BANK, 1%, 1 COOPERATI
%
VE, 10%, 11
%
CORPORATE
, 18%, 9%
CORPN OF
STATE
GOVT, 6%, 1
%
NGO, 44%, 5
1%
MFI, 4%, 2%

16. State-wise no. of projects/assistance
Sl.No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
State
Arunachal Pradesh
A&N Islands
AP
Assam
Bihar
Chhattisgarh
Gujarat
Himachal Pradesh
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Orissa
Rajasthan
Tamil Nadu
Uttarakhand
Uttar Pradesh
West Bengal
Multi state
Total
No. of projects
1
7
39
1
9
1
2
2
6
16
3
2
26
8
3
21
5
1
6
14
173
UPNRM assistance committed (incl. AM + FC
grant) ` in million
81.99
940.70
6764.90
59.71
993.52
34.40
913.01
50.21
3017.42
8027.22
2223.57
684.69
4972.42
1036.70
383.65
847.79
435.91
46.00
633.02
7451.92
3956.87

17. Sector-wise number of projects and assistance sanctioned
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
AGRICULTURE
SRI
ORGANIC FARMING
SEED PRODUCTION
AGRO FORESTRY
AGRO PROCESSING
AH
DRINKING WATER
EFFICIENT IRRIGATION
FISHERIES
FOREST ECOTOURISM
MAP
MARKETING
NTFP
RENEWABLE ENERGY
WASTE MANAGEMENT
Total
37
2
8
1
6
15
41
6
14
4
2
6
14
12
3
2
173
(Rs. In million)
6704.51
4564.73
950.18
37.22
1170.02
3896.00
7069.83
5243.00
2698.13
321.52
328.75
267.53
2123.35
3705.65
250.82
267.50
39598.74

18. Key Learning Points / Major Outcomes
1. Convergence with Govt programmes increased the outreach and
scalability
2. Few projects could not achieve desired cash flow due to insufficient
market research (market access, commercialisation) and marketability of
the end product – Gubbi coir – Coir Panel are not marketed sufficiently in
spite of it better quality parameters.
3. Few natural resource based projects were limited by the geographical
reach and continuous availability of inputs. Increasing volumes (eg.
Medicinal
Herbs)
beyond
a
point
is
becoming
uneconomical/unviable/unsustainable. Cultivation is not favoured due to
various factors.
4. Poor insurance cover of the beneficiaries though assets created were
insured.
5. Over a period, the income generation dominates the natural resource
conservation and tend to become a routine loan lending/on-lending
programme.
7/29/2011

19. Key Learning Points / Major Outcomes
1. Necessity for a digital platform to exchange ideas & for cross learning
purpose.
2. Traditional activities such as Rearing Milch animals, sheep rearing are
found to be preferred choice of CPs due to continuous cash flow and
CP’s confidence in loan recovery.
3. Emergence of successful farm enterprises/entrepreneurs (Small scale
cashew processors in Cuddalore Districts)
4. Many projects could reach the individuals who were never near formal
banking system (except local money lenders)
5. Diversification of Food security options and emergence of individual level
commercial organic farming
7/29/2011

20. THANK YOU FOR YOUR
ATTENTIVE HEARING
7/29/2011