NABARD Annual Report 2025-26, Attempt Free Quiz & Download PDF

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Published on 25 September 2026 by

The NABARD Annual Report 2025-26 is an important source for candidates preparing for NABARD Grade A. The report covers NABARD’s work in agriculture, rural development, rural credit, financial inclusion, climate finance, rural infrastructure, women farmers, FPOs, SHGs, RRBs, cooperative institutions and digital transformation.

What is NABARD Annual Report 2025-26?

The NABARD Annual Report 2025-26 provides an overview of the organisation’s activities and financial performance during the financial year 2025-26. It is useful for understanding NABARD’s role in agriculture and rural development and its support to rural financial institutions. For NABARD Grade A aspirants, the report can be used for Phase 1, Phase 2, descriptive English and interview preparation.

Download NABARD Annual Report and Practice Quiz PDF

The NABARD Annual Report 2025-26 provides useful insights into the initiatives, achievements, financial performance, and development activities of the National Bank for Agriculture and Rural Development (NABARD). Candidates can download the Annual Report PDF and use it as a helpful study resource for NABARD Grade A and other banking and regulatory exams.

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NABARD Annual Report 2025-26Download Free PDF
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Attempt NABARD Annual report Practice Quiz

The NABARD Annual Report Practice Quiz includes important questions based on key facts, programmes, initiatives, and developments covered in the report.

NABARD Annual Report Practice Quiz Score: 0.00

1. According to the Annual Report, what was India’s real GDP growth in FY2026?

2. Which combination correctly states the IMF-reported world output growth for 2025 and the July 2026 projection for 2026?

3. At what level did CPI inflation fall in October 2025 under the old CPI series (2012=100)?

4. What was the Central Government’s gross fiscal deficit as a percentage of GDP in FY2026?

5. India’s current account deficit remained at what share of GDP in FY2026?

6. What was the estimated total foodgrain production in 2025-26 according to the Third Advance Estimates cited in the report?

7. What was the estimated oilseed production in 2025-26?

8. Agricultural ground-level credit disbursement rose to approximately what amount in FY2026?

9. What share of total agricultural ground-level credit disbursed in FY2026 consisted of term loans?

10. Which national-accounts base year is used in the revised series discussed in the Annual Report?

11. The United Nations declared 2026 as which international year, a theme central to Chapter 2?

12. According to PLFS 2023-24 cited in the report, almost what percentage of rural female workers were engaged in agriculture?

13. Women accounted for approximately what share of operational landholdings in the Agriculture Census 2015-16?

14. What share of operated agricultural area was under female operational holders in the Agriculture Census 2015-16?

15. What did NABARD’s 2026 study find regarding KCC ownership among surveyed women farmers?

16. When was Tara Devi Farmer Producer Company Limited incorporated?

17. What NABARD assistance supported the formation and capacitybuilding of Tara Devi FPCL?

18. How did Tara Devi FPCL address the individual land-title barrier?

19. Which combination correctly describes Tara Devi FPCL in FY2025?

20. Under the working definition cited from ICAR-CIWA, which condition is NOT necessary for a woman to be considered a woman farmer?

21. Which strategic framework was operationalised by NABARD during FY2026 to scale climate action?

22. What was the initial corpus of the NABARD Green Impact Fund?

23. What were the FY2026 sanction and disbursement under the NABARD Green Lending Facility?

24. How were NABARD’s 41 climate change projects distributed across the three major climate funds?

25. What corpus was initiated for the NABARD Carbon Fund?

26. How many watershed development and related projects had been sanctioned cumulatively as on 31 March 2026?

27. What cumulative area was covered under watershed development and related projects as on 31 March 2026?

28. As on 31 March 2026, how many JIVA projects were being implemented and in how many states?

29. The Tribal Development Fund, which finances the TRIBES approach, was established in which financial year?

30. NABARD was re-accredited as the National Implementing Entity for Adaptation Fund-supported projects in which month?

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Why is NABARD Annual Report 2025-26 important for NABARD Grade A?

The NABARD Annual Report covers important facts about NABARD’s functions, schemes, subsidiaries, financial performance, and recent initiatives. These details help candidates prepare for objective, descriptive, and interview questions by adding relevant facts, figures, and current developments to their answers.

AreaKey Topics
AgricultureFood grains, agricultural GVA, agricultural credit
Rural DevelopmentRural infrastructure, watershed development, livelihoods
Financial InclusionSHGs, JLGs, KCC, BCs, micro-ATMs
Climate FinanceGreen finance, carbon finance, climate projects
Rural InstitutionsRRBs, cooperative banks, PACS
Women FarmersLand ownership, credit access, women-led enterprises
Digital InitiativesAgriStack, digital crop survey, GenAI
FinanceBalance sheet, capital adequacy, loans and advances

Agriculture remains one of the central areas covered in the report. The discussion includes food-grain production, oilseed production, agricultural ground-level credit and agriculture and allied sector GVA. Important points include:

  • Estimated food-grain production: 376.56 million tonnes
  • Estimated oilseed production: 43.06 million tonnes
  • Agriculture ground-level credit: around ₹29.9 lakh crore
  • Term loans’ share in agricultural ground-level credit: 47.6%
  • Real agriculture and allied GVA growth: around 3%
  • Previous year’s agriculture and allied GVA growth: around 4.2%
  • Nominal agriculture GVA growth: around 1.4%

What does the report highlight about women farmers?

Women farmers are an important theme in the report and can be used for both objective and descriptive questions. The report highlights the gap between women’s participation in agricultural work and their ownership of agricultural land. Key points include:

  • Around 77% of rural working women are engaged in agriculture.
  • Women’s share of operational land holdings is around 14%.
  • Women’s share of operated agricultural area is around 11.8%.
  • Around 70% of female cultivators are mentioned as lacking Kisan Credit Cards.
  • Limited land titles can restrict access to formal credit.
  • Women also face mobility, digital literacy and unpaid care-work constraints.
  • Access to agricultural extension services remains an important concern.
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What is the importance of FPOs and SHGs in rural development?

Farmer Producer Organisations (FPOs) and Self-Help Groups (SHGs) help improve access to credit, markets, and rural businesses. NABARD supports these groups through credit linkage, capacity building, grants, and other assistance, with a focus on women farmers and small and marginal farmers.

  • 7,517 FPOs supported
  • Around 82% of FPO shareholders belong to small and marginal farmer categories.
  • 109 GI products supported
  • Around 11 Rural Business Incubation Centres
  • Around 17 crore rural households reached through SHG-bank linkage programmes
  • 145.6 lakh SHGs with savings accounts
  • 83.2 lakh SHGs with loan outstanding
  • Around 43.2 lakh JLGs supported

Rural infrastructure is another major area of NABARD’s work. The report covers infrastructure financing for irrigation, roads, warehouses, drinking water, renewable energy, education, healthcare, sanitation and agricultural marketing. Such infrastructure can support productivity, connectivity, market access and rural livelihoods. The major areas include:

  • Irrigation and micro-irrigation
  • Rural roads and bridges
  • Warehouses and cold storage
  • Drinking water supply
  • Renewable energy
  • Power transmission
  • Rural housing
  • Education and healthcare
  • Sanitation
  • Agricultural marketing infrastructure
  • Rural tourism
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What does NABARD Annual Report 2025-26 say about climate action?

Climate action and green finance are important areas of NABARD’s work. The report highlights efforts to support climate-resilient agriculture, sustainable farming, natural resources, and rural livelihoods through various projects and climate-related funds.

  • Green Finance: Supports projects that promote environmentally sustainable and climate-friendly activities.
  • Carbon Finance: Encourages activities that help reduce carbon emissions and support carbon-related initiatives.
  • Climate Adaptation: Helps farmers and rural communities adapt to the effects of climate change.
  • Watershed Development: Supports better management and conservation of soil and water resources.
  • Agroforestry: Promotes the integration of trees with agriculture to improve farm sustainability and climate resilience.
  • Natural Farming: Encourages farming practices that reduce dependence on chemical inputs and support sustainable agriculture.
  • Rainfed Agriculture: Focuses on improving the productivity and resilience of agriculture dependent on rainfall.
  • Regenerative Agriculture: Promotes farming practices that improve soil health, biodiversity, and long-term sustainability.
  • Climate-Resilient Livelihoods: Supports rural communities in developing livelihoods that can better withstand climate-related risks.
  • Support for Vulnerable and Tribal Communities: Promotes climate-related initiatives for communities that are more dependent on natural resources and vulnerable to climate change.

What is NABARD’s role in financial inclusion?

NABARD supports financial inclusion by helping improve access to banking, credit, insurance, financial literacy and other financial services in rural areas. The focus is not limited to opening bank accounts but also includes last-mile delivery through Business Correspondents, micro-ATMs and other channels.

  • Financial Inclusion Fund (FIF): NABARD supports projects that improve access to financial services in rural and underserved areas through the Financial Inclusion Fund.
  • Business Correspondents (BCs): BCs help provide basic banking services to people in areas where regular bank branches may not be easily accessible.
  • Micro-ATMs: Micro-ATMs help rural customers carry out basic banking transactions, making cash withdrawal and other services easier at the local level.
  • Financial Literacy Camps: NABARD supports financial literacy programmes to help people understand savings, credit, insurance, pensions, digital banking, and safe financial practices.
  • Kisan Credit Cards (KCCs): KCCs help farmers access timely and affordable credit for agricultural and related activities.
  • SHG-Bank Linkage: NABARD promotes the linkage of Self-Help Groups with banks, helping members access formal credit and strengthen their savings and financial activities.
  • Social-Security Scheme Onboarding: NABARD supports awareness and enrolment under social-security schemes, helping rural households access insurance, pension, and other financial protection benefits.
  • Rural Banking Outreach: NABARD works to expand financial services in rural areas through banking infrastructure, digital channels, awareness programmes, and last-mile delivery mechanisms.
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What is NABARD’s role in supervising RRBs and rural cooperative banks?

NABARD plays an important supervisory role in the rural banking system by monitoring Regional Rural Banks (RRBs) and rural cooperative banks. While NABARD focuses on supervision, the regulatory role is handled by the RBI under the applicable banking framework.

  • Digital Inspection Systems: Using digital tools and systems to make the supervisory and inspection process more efficient.
  • Risk-Based Supervision: Identifying and monitoring key risks faced by rural banks.
  • Bank Inspections: Conducting inspections to assess the financial and operational health of banks.
  • Cyber-Risk Management: Monitoring banks’ preparedness to manage cyber threats and digital risks.
  • Fraud Monitoring: Strengthening systems to detect, report, and prevent fraud.
  • Internal Controls: Reviewing internal systems and controls to improve governance and risk management.
  • Cybersecurity Training: Building awareness and skills among bank staff to handle cybersecurity risks.

Regional Rural Banks are another important area covered in the report. The annual report highlights RRB consolidation, financial performance and digital credit delivery. The Phase IV amalgamation resulted in 26 RRBs being merged into 11 RRBs, according to the discussion.

  • Gross NPA ratio: 5.3%
  • Credit-deposit ratio: 75.7%
  • Capital adequacy ratio: 14.9%
  • Total RRB business: around ₹13.5 lakh crore
  • Deposits: around ₹7.7 lakh crore
  • Loan outstanding: around ₹5.8 lakh crore
  • Phase IV amalgamation: 26 RRBs merged into 11
  • Jan Setu highlighted as a digital credit infrastructure initiative for RRBs
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What are the digital initiatives highlighted in the report?

NABARD is using digital technologies to improve monitoring, governance, risk management, data use, and delivery of rural services. The report highlights initiatives related to agriculture, audits, cybersecurity, data analytics, and emerging technologies such as Generative AI.

  • AgriStack: Supports the use of digital agricultural data to improve planning and delivery of farm-related services.
  • Digital Crop Survey: Uses digital tools to collect and manage crop-related information for better agricultural planning.
  • Digital Audit: Helps make audit processes more efficient through digital systems and data-based monitoring.
  • Risk Management: Uses technology and data to identify, assess, and monitor financial and operational risks.
  • IT Governance: Focuses on better management, control, and use of information technology systems.
  • Cyber Resilience: Strengthens the ability of institutions to prevent, detect, and respond to cyber threats.
  • Data Analytics: Helps use large amounts of data to support better decision-making and monitoring.
  • Generative AI: Explores AI-based tools to improve knowledge management, analysis, and internal processes.
  • Retrieval-Augmented Generation (RAG): Combines AI with relevant data sources to provide more useful and context-based information.

FAQs

1. Why is the NABARD Annual Report 2025-26 important for exam preparation?

Ans. It provides important facts, figures, schemes, and recent developments that can help in objective, descriptive, and interview preparation.

2. What are the major areas covered in the NABARD Annual Report 2025-26?

Ans. The report covers agriculture, rural infrastructure, financial inclusion, FPOs, SHGs, climate action, rural finance, digital initiatives, and banking supervision.

3. How does NABARD support financial inclusion?

Ans. NABARD supports financial inclusion through initiatives such as the Financial Inclusion Fund, Business Correspondents, micro-ATMs, financial literacy, and SHG-bank linkage.

4. What is NABARD’s role in supporting FPOs and SHGs?

Ans. NABARD supports FPOs and SHGs through credit linkage, capacity building, grants, and other assistance to strengthen rural livelihoods and enterprises.

5. What is NABARD’s role in supervising RRBs and rural cooperative banks?

Ans. NABARD supervises RRBs and rural cooperative banks through inspections, risk-based supervision, fraud monitoring, and cybersecurity and governance measures.