• Gap in off-take of fresh credit indicates credit needs of farmers not assessed accurately. Credit flow targets do not appear to have been based on a proper assessment of the credit absorption capacity at the farm/household level. Disbursements should have been made only after proper project appraisal.

• Progress on watershed development extremely poor in all the states. Even Maharashtra, which had in place a shelf of sanctioned projects, could utilise only 12% of its financial allocation of Rs 54 crore in the year. Kerala falls under high rainfall area and no watershed projects are being implemented.

• Rainwater harvesting, construction of check dams non-starters in most districts. NABARD yet to receive proposals from any of the states for check dams.

• Major irrigation schemes delayed because of red tape and slew of sanctions.