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The Farmers’ Club program is one of the major institutional  development initiatives of NABARD aiming at strengthening the gross root level  Rural Financial Institutions. NABARD launched the program way back in 1983. In  Andhra Pradesh the launching of Farmers’ Clubs commenced late in November 1986.               

As a part of its developmental initiatives NABARD conceived  an informal forum of progressive villagers who have successfully followed  principles of development through credit, with objective of propagating these  principles among villagers.              

The Farmers’ Clubs act as catalysts in rural areas that not  only transform the rural communities but also assist Rural Financial  Institutions. The members of the Farmers’ Clubs are non defaulting borrowers  among the local villagers. They have volunteered to disseminate the principles  of “Development through Credit”, inculcate repayment ethics and promote  people’s participation, which are the core objectives of Farmers’ Club Program.  People’s participation enables them to gain access to better services and  broader range of opportunities in the villages.              


  1. Credit must be used in accordance with the most       suitable methods of Science and Technology.               
  2. The terms and conditions of Credit (or       Techno–Economic parameters) must be fully respected.               
  3. Work must be done with skill so as to increase       productivity and income.               
  4. A part of the additional income created by Credit       must be saved.               
  5. Loan installments must be repaid in time and       regularly so as to recycle Credit.          

The major functions of the  Farmers’ Clubs are:

  • To meet at regular intervals to discover /  identify the Credit and Non Credit needs of the farmers and fellow villagers.               
  • To create awareness among beneficiaries and  other villagers.                
  • To assist the Bank in preparing Credit plans,  Deposits mobilization, Recovery etc.               
  • To identify cost effective, appropriate  technology and inputs in Agriculture and Allied Activities, suitable to the  local conditions and needs. To gather information on resource persons and  agencies. To organize training program for propagating the usage of tecnology  and ultimately help for dissemination of information, skill development for  increased productivity & income levels in all activities for all people -  socially and economically weak, poorest of the poor in the club villages.               
  • To promote peoples participation in the process  of development.               
  • To improve the existing infrastructure and make  an effort to create forward and backward linkages with the help of agencies  concerned. These activities help to establish a direct linkage between  repayments on one hand and credit delivery on the other.                
  • Bringing about attitudinal changes among the  borrowers for their own good.                
  • Providing continuous feedback to Banks and other  agencies.                
  • Playing a role of a catalyst in the overall  development of the village.               
  • To motivate the villagers for proper use of  credit and timely and proper repayment of Bank Credit.               
  • To motivate the villagers to save additional  income with Banks and also help Banks and other agencies in promoting Self Help  Groups (SHGs).         

Chaitanya Godavari Grameena Bank  has so far launched 150 Farmers’ Clubs through its 64 rural and semi urban  branches. 

*  The  Farmers’ Club launched by its Valiveru Branch “ Chaitanya Grameena Abhyudaya  Kendram” bagged state level awards twice for the activities taken up by the  Club.           

*  The  Farmers’ Club launched by its Dachepalli Branch “Nava Chaitanya Farmers’ Club”  bagged state level award once for the activities taken up by the Club.


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