NABKISAN IN BRIEF
NABKISAN Finance Limited (NKFL), formerly known as Agri Development Finance Limited (Tamil Nadu) was incorporated on 14 February 1997 under the provisions of the Companies Act, 1956. The Company is registered with the Reserve Bank of India (RBI) as a Non-Banking Financial Company (NBFC).
Rooted in Legacy, Driven by Impact
In 1997, NABARD established two subsidiaries- Agri Business Finance Ltd in Hyderabad and Agri Development Finance Ltd in Chennai to unlock rural potential in Andhra Pradesh and Tamil Nadu. These later evolved into NABSAMRUDDHI Finance Ltd. (NSFL) and NABKISAN Finance Ltd. (NKFL).
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Agri Development Finance Ltd, Tamil Nadu
NABKISAN (NKFL)
Over the years, NABKISAN has emerged as the largest lender in the Farmer Producer Organization (FPO) ecosystem, driving growth, scale, and sustainability for farmer collectives across the country.
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Agri Business Finance Ltd, Hyderabad
NABSAMRUDDHI (NSFL)
NABSAMRUDDHI, on the other hand, championed the Water, Sanitation and Hygiene (WASH) segment, enabling healthier communities and improved quality of life in rural areas.
Strategic merger · 16.12.2025
With a shared mission of financial inclusion and rural empowerment, their growth and complementary strengths led to a strategic merger on 16.12.2025.
Together, their complementary strengths have positioned NKFL as a leader in impact-driven finance, combining agricultural enterprise development with social infrastructure support.
Today, NKFL is a pan-India company, with direct credit operations across 25 states and 6 union territories.
It collaborates with key stakeholders in the ecosystem, promoting institutions, and state governments to deliver concessional financing and strengthen rural enterprises.
Credit across the rural economy
With equity participation from NABARD, Government of Tamil Nadu, Indian Bank, Government of Andhra Pradesh, Government of Telangana, Union Bank of India (formerly Andhra Bank), Canara Bank, Tamil Nadu Mercantile Bank, Indian Overseas Bank, Federal Bank, DBS Bank (formerly Lakshmi Vilas Bank), ICICI Bank and a few Corporates / Individuals, NKFL provides innovative credit solutions to FPOs, PACS, NBFCs, MFIs, agri startups, and corporates. Its financing spans the agri value chain, post-harvest infrastructure, climate and WASH initiatives, housing, vehicles and MSMEs.
Credit solutions for
- FPOs
- PACS
- NBFCs
- MFIs
- Agri startups
- Corporates
Financing spans
- Agri value chain
- Post-harvest infrastructure
- Climate and WASH initiatives
- Housing
- Vehicles
- MSMEs
Our Vision
To be a leading ecosystem developer for the sustained growth and development of farmer collectives and rural enterprises.
Our Mission
Promotion, expansion and commercialization of enterprises engaged in agriculture and development sector, through holistic credit and non-credit services thereby creating a sustainable, equitable and prosperous rural ecosystem.
With a clear outlook to empower communities, NKFL continues to drive impact in agriculture, WASH, climate initiatives and rural livelihoods, unlocking the full potential of India’s rural economy.