This presentation “Scaling up of Umbrella Program on Natural Resource Management” was made at the Madurai Symposium 2013 explains the overall dimensions of UPNRM funded by National Bank for Agriculture and Rural Development (NABARD) in association with German Technical Co-operation (GIZ) and kfW. Scalability aspects of UPNRM in uncovered areas is also discussed

1. SCALING UP UPNRM: LEARNINGS FOR
GOVERNANCE
A.GURUNATHAN
CHIEF EXECUTIVE

2. INDIAN AGRICULTURE : RELEVANCE IN 21ST CENTURY
• Offers gainful employment to 2/3rd work
force and contributes about 30% national
income.
• Inadequate infrastructure and appropriate
services to sector due to low investment.
• Average Size of land holding is less than
20000 Sq. m (2 ha)
• Poor Socio-economic status of farmers
DHAN Vayalagam (Tank) Foundation

3. UPNRM AND ITS RELEVANCE
Primary Objectives
•to improve rural livelihoods through community based and
sustainable NRM interventions.
•A Shift from Grant base to Credit base
Policy goal
•Supporting sustainable NRM focused initiatives to improve
the livelihoods of the socially marginalized / disadvantaged
groups (including poor, women, tribals).
DHAN Vayalagam (Tank) Foundation

4. NABARD’s NRM POLICY
Objectives
• To mainstream holistic and financially sustainable
livelihood solutions
• To support planning and promotion of rational use,
conservation and improvement of natural resources
• To empower local communities to become equal
and self-reliant partners in sustainable NRM.
DHAN Vayalagam (Tank) Foundation

5. UPNRM : GUIDING PRINCIPLES
•
•
•
•
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PRO-POOR
ENSURING SUSTAINABILITY
COMMUNITY PARTICIPATION
GOOD GOVERNANCE
INTEGRATED AND NEED BASED APPROACH
DHAN Vayalagam (Tank) Foundation

6. UPNRM - Objectives
• To support sustainable NRM based livelihood
projects which are community managed
• Shift from project based to programme based
support
• To offer customer friendly loan cum grant
products
• NABARD as a thematic leader in NRM space
• To develop Information & Knowledge
Management (IKM) systems for NRM sector
DHAN Vayalagam (Tank) Foundation

7. NRM and NRM+ Activities
NRM
•Soil and Water Conservation
•Plantation and horticulture
•Forestry
•Farming Systems management
•Climate change adaptation
NRM+
•Processing, marketing
•Renewable energy
•Livelihood activities
•Other supporting activities
that help NRM
DHAN Vayalagam (Tank) Foundation

8. Overall Goal
The overall goal of the project aimed at
stabilizing minor irrigation rain fed tank based
agricultural farm income for underprivileged
small, marginal farmers and landless people
hailing from the most backward blocks in
Tamil Nadu and Andhra Pradesh through
Improved Natural Resources Development
and Management
DHAN Vayalagam (Tank) Foundation

9. Project Outlay
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•
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Project Budget
Rs. 2.21 Crores
Expected return on investment 17% to 32%
Total Loan Component Rs. 2.00 Crores
Grant Component
Rs. 21 Lakhs
DHAN Vayalagam (Tank) Foundation

10. Project Locations
• Kottampatti Block, Madurai District, Tamil Nadu
• T.Kallupatti Block, Madurai District, Tamil Nadu
• Sedapatti Block, Madurai District, Tamil Nadu
• Singampuneri Block, Sivagangai District, Tamil Nadu
• Mudukulathur Block, Ramanathapuram District
• Tamil Nadu
• Bodi, Aundipatti Blocks, Theni District, Tamil nadu
• Tiruvalangadu Block, Tiruvallur District, Tamil Nadu
• Thirukalukundram Block, Kanchipuram District, Tamil nadu
• Punganur Mandal, Chitoor District, Andhra Pradesh
• Chityal Mandal, Nalgonda District, Andhra Pradesh
DHAN Vayalagam (Tank) Foundation

11. Organogram
provision of grant use
details
NABARD
Repayment of loans
DVTF
KDFS
(Grant Components)
(Loan &Grant Components)
Pass on grant funds
Joi
nt
Mo
nit
ori
ng
i.Techno managerial support on
UPNRM
ii. Dissemination, capacity building
Cred
it
Servi
ces
Vayalagam
Federation
Vayalagam Farmers
Groups
DHAN Vayalagam (Tank) Foundation

12. KDFS : Credit Governance
• KDFS is specially designed application for UPNRM
activities.
• Through the application a group should apply loan
from KDFS along with supporting documents.
DHAN Vayalagam (Tank) Foundation

13. Before disbursal
Steps:
• KDFS will provide application to locations.
• Location staff can fill up the application with
concerned group at meeting.
• Filled application shall be get approved by
the Block integrator and forward it to
Regional Coordinator for further approval.
DHAN Vayalagam (Tank) Foundation

14. Before disbursal
• From the region the application shall be
forwarded to KDFS.
• At KDFS again application scrutiny and
sanctioning for disbursal.
• After sanctioning of application the loan will
be issued through Demand Draft in favour of
the group.
DHAN Vayalagam (Tank) Foundation

15. After disbursal
• After disbursal the group should organize
meeting (if needed special meeting) and
disburse the loan to the demanded
members.
DHAN Vayalagam (Tank) Foundation

16. Repayment
• The group should repay the EMI through
demand draft infavour of KDFS payable at
Madurai.
• Cash repayment should not be accepted/
encouraged.
DHAN Vayalagam (Tank) Foundation

17. Monitoring
• Before approval by Block Integrator, he should visit
the group and appraise members. KDFS will ensure
through interaction.
• After disbursal the location should maintain
repayment register (group wise) especially for the
UPNRM activity. KDFS is asked to submit copy of
the register every month.
• Regional Coordinator also should visit some groups
at random basis before approval. KDFS will receive
undertaking letter from the Regional Coordinator.
DHAN Vayalagam (Tank) Foundation

18. Monitoring
• At KDFS level every month we have to take
repayment performance report and send it to
respective location.
• Once in a quarter KDFS staff should visit
every location and will see some groups and
members for end use verification at random
sampling method.
DHAN Vayalagam (Tank) Foundation

19. Thank you
DHAN Vayalagam (Tank) Foundation