Water and land or soil are key natural resources on which rural life in general and agriculture in particular sustain and flourish. Conservation, availability and accessibility of these natural resources determine the quality of life in any rural ecosystem.

Lupin Foundation aims at increasing happiness among the communities through apt socio-technological interventions. Various NRM measures such as the construction of check dams, ponds, anicuts, and excavation of streams, farm bund construction are undertaken for soil and water conservation in the adopted areas.


NABARD has been implementing Natural Resource Management projects (Watershed Development and Wadi Development Program) for 20 years under Indo-German collaboration with support from KfW and GTZ. In order to further upscale and integrate NABARD’s existing and future Indo-German NRM efforts into one streamlined approach of participatory NRM related interventions, NABARD and German Development Corporation (GDC) has launched the Umbrella Program on Natural Resources Management (UPNRM).

The UPNRM integrates NABARD’s existing and future Indo-German NRM efforts into one streamlined approach of participatory NRM related interventions.

The program objective is to contribute to mainstreaming of holistic, participatory and financially sustainable livelihood solutions into public NRM policies and financial instruments for improving the livelihoods of the rural poor based on the sustainable natural resource use and management. The program aims at funding community managed sustainable NRM based rural livelihood projects.

UPNRM is following a program based approach wherein different channel partners (agencies) are being supported for implementing various types of sustainable NRM projects conforming to the flexible programming mechanism on agreed policies and guiding principles of the strategic partners.

The projects proposed under UPNRM will have to pass through a scrutiny at Guiding Principles level of the program. These principles entail that the projects must be pro-poor designed on integrated & need-based approach, should ensure sustainability, involve community participation and be based on sound and transparent Governance.

The programme envisages a gradual shift from grant-based to loan based NRM projects and funding will be through a corpus comprising Financial Cooperation from KfW as well as fund mobilized by NABARD from various sources.

The interest rate applicable for projects under UPNRM depends on the nature of the project, channel partners and the target groups. The interest rate to be charged varies from time to time. Presently, it ranges from 9-12 percent per annum.

To facilitate funding decision for a portfolio of projects and channel partners for UPNRM, a set of operational matrices are used for the screening process for each proposed project. In this context, any project proposal will be evaluated in five stages:

  • Conformity with NABARDs NRM Policy
  • Conformity with the UPNRM Guiding Principles
  • Credentials of the Channel Partner
  • Technical feasibility; and
  • Financial viability of the project


The success of IGWDP-Maharashtra has led to setting up of Watershed Development Fund (WDF) in NABARD with a corpus of INR 200 crore (INR. 100 crore each contributed by GOI and NABARD) with a broad objective of unification of multiplicity of watershed development program into a single national initiative through involvement of village level institutions and NGOs.


The Fund is being utilized mainly for the following purposes:

  • Promotional efforts with Communities, NGOs, SHGs, Panchayats, Bankers and Government Departments on a grant basis
  • Taking up capacity building phase of the projects, on grant basis, with Communities, NGOs, SHGs and Panchayati Raj Institutions (PRIs) in different states
  • Selectively, full-scale financing of collaborative watershed