NABKISAN Finance Limited (NKFL) (formerly “Agri Development Finance (Tamil Nadu) Limited”) was incorporated under the Companies Act, 1956 on 14.02.1997. The company is notified as a Non-Banking Finance Company (NBFC) by RBI. 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). With a shared mission of financial inclusion and rural empowerment, their growth and complementary strengths led to a strategic merger on 16.12.2025.
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. NABSAMRUDDHI, on the other hand, championed the Water, Sanitation and Hygiene (WASH) segment, enabling healthier communities and improved quality of life in rural areas. Together, their complementary strengths have positioned NKFL as a leader in impact-driven finance, combining agricultural enterprise development with social infrastructure support.
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-techs, and corporates. Its financing spans the agri value chain, post-harvest infrastructure, climate and WASH initiatives, housing, vehicles and MSMEs.
Today, NKFL is a pan-India company, with direct credit operations across 21 states and 3 union territories. It collaborates with key stakeholders in the ecosystem, promoting institutions, and state governments to deliver concessional financing and strengthen rural enterprises.
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.
To be a leading ecosystem developer for the sustained growth and development of farmer collectives and rural enterprises.
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.
