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The National Bank for Agriculture and Rural Development (NABARD) was established in 1982 as an apex development financial institution in India with a primary focus on promoting sustainable and equitable agriculture and rural development. Its genesis lies in the recognition of the need for a specialized institution to coordinate the credit flow to agriculture and rural sectors, given the fragmented structure of rural credit prior to its establishment. NABARD was formed under the NABARD Act, 1981, to integrate and strengthen the credit delivery mechanism and facilitate developmental support to rural areas, complementing the functions of the Reserve Bank of India and other commercial banks. The core principles guiding NABARD’s functioning revolve around the objectives of financial inclusion, rural empowerment, and sustainable development. It operates on the _________ ________ ________ ____ ______.
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