The Umbrella Programme for Natural Resource Management (UPNRM)

India Country: India

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Phase I: 7 years (1 November 2008 – 31 December 2015)
Phase II: 2.5 years (1 January 2015 – 30 June 2017) as a component under Indo-German Environment Program in Rural Areas (IGEP-RA)


To support financially viable and ecologically sustainable business models to reduce poverty, increase farm income, strengthen agricultural value chains and conserve natural resources

Project Description

To address the challenges faced by the Natural Resource Management (NRM) sector, viz. depletion of natural resources, over dependence on public investments in terms of grants from centrally sponsored schemes, and its financing requirement in India, the National Bank for Agriculture and Rural Development (NABARD), KfW Development Bank and GIZ are implementing the Umbrella Programme for Natural Resources Management (UPNRM) through a tripartite arrangement.

In the past we relied on agriculture and forest resources for our livelihoods. Family members often migrated to cities at an early age for labour work. The money from labour work was insufficient and we could not take care of the needs of our children. We were reeling in debt thanks to the money lenders. After starting backyard poultry farming under UPNRM our lives have improved dramatically. All members of the poultry co-operative today earn between Rs 15,000- Rs 20,000 annually. Using litter and better farm inputs – purchased through poultry income – our agricultural productivity too has improved.”

Mery Marandi; 32 year old; Godda district, Jharkhand

The Indo-German programme brings in a paradigm shift from grant to loan based financing in the NRM sector. It aims at supporting financially viable and ecologically sustainable business models to reduce poverty, increasing farm incomes, strengthening agricultural value chains and conserving natural resources, thus leading to sustainable development. Till October 2015, 287 projects have been sanctioned on loan financing under the programme amounting to an investment of INR 587 crore (80.48 million Euro), of which only 6% constitute expenses towards grants.


Success Stories

Web5Mery Marandi’s family, like many other landless tribal families in Godda district were depended on forest resources and farm-labour. But introduction of poultry farming has helped changed her life and benefit more than 200 resource-poor women. These women were brought together through self-help-groups. They formed a district level co-operative society and were provided training by the state level Federation – Jharkhand Women Self Supporting Poultry Co-operative Federation Ltd. The Federation designs district level projects and provides administrative support.

It also mobilises beneficiaries, assisting them in accessing working capital loan from financial institutions and converging with other government schemes. With a production capacity of 15 metric tonne of live birds per day, and profit of over Rs 30 million per year – the project has become the largest poultry operation in eastern India.

This project is a convergence of NABARD’s UPNRM programme and tribal development fund with special Swarnajayanti Gram Swarojgar Yojana (SGSY) fund. The idea is to create a sustainable, replicable model of producers’ collective based on natural resource management activities.

Web7In 2010, Santosh and Amrita availed the UPNRM loan of 25 lakh rupees from NABARD for seven year period. It also had nine lakh twenty seven thousand rupees as the grant component. This loan — geared towards NRM-based livelihood projects with flexible terms and conditions — eased much of the operational issues of their business. With the loan from NABARD, Santosh finally could take his business forward. He made his material payments, trained his staff and other producers, and purchased inventory. Their stock too increased 10 fold with the loan now capping at almost 50 lakh. 

Earlier there was no cash flow to maintain this stock. Santosh says, “We used the grant portion to create drying, and packaging units. Machinery too was purchased. We set up the food processing unit and we trained all our farmers who have been associated with us. Since, water availability was a challenge we invested in a water harvesting structure for the factory.” Today SOS has a loyal herbal-cosmetic clientele and the organisation employs nearly 30 women for their production activities.

Success_Story_DCCB & DRF

Contact Person

Mrs. Sabine Preuss
Project Director, Natural Resource Management Programme
Deutsche Gesellschaft für Internationale Zusammenarbeit

(GIZ) GmbH Ground Floor, B-5/1, Safdarjung Enclave,
New Delhi – 110 029
Tel: +91 11 49495353
Fax: +91 11 4949 5391

To learn more

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