he major problem in agricultural sector is unavailability of finance at right time, due to this farmer faces difficulty to arrange resources in cultivation on time and sometime they failed to arrange the financial support for their farming activities which results in poor production. If farmers avail the credit facilities in proper amount on time then the scenario of agricultural sector may be changed.

This argument has been empirically examined in many studies these are-"Despite the significant strides achieved in terms of spread, network and outreach of rural financial institutions, the quantum of flow of financial resources to agriculture continues to be inadequate (Golait, 2007)". "This situation brings out the fact that the existing institutional arrangement for credit delivery is not adequate and suitable to address the agrarian distress in the country (Barah and Sirohi, 2011)". "Reserve Bank of India (2006) also reported that one common factor that can be seen across all regions is that manifestation of economic distress is primarily through indebtedness." "In this context it is pertinent to mention that the Planning Commission of India in the Approach Paper to 11th Five Year Plan 2007-2012 observed that 'there is evidence that farm debt is increasing much faster than farm incomes' (Government of India 2006)". These studies focuses that there is still need of reform.

The National Bank for Agricultural and Rural development has been set up as an apex body to support and regulate agricultural credit in India. But the present study is covering the role of NABARD in finance disbursement to Uttar Pradesh only.

As discussed in the previous sections the impact of availability of finance to agricultural sector: 1) To know the role of NABARD in refinance disbursement to agricultural sector in Uttar Pradesh. 2) To know the role of NABARD in refinance to various activities in Uttar Pradesh.

Based on these observations, we have formulated a hypothesis, which is as follows:

As aforementioned, the NABARD is an apex institution in agricultural rural development in India. That is why the hypothesis has been framed to know the contribution of NABARD in Uttar Pradesh.

Uttar Pradesh is the largest food grain producing State of the country contributing about 19% of the total food grains of the country. It is the highest producer of wheat and second highest producer of rice. The State is also the largest milk producing state, accounting for nearly 17 per cent of the total milk production. U.P is the second largest sugarcane producer of India after Maharashtra accounting for about 28% of total production in the country.

? H0: There is no significant difference in financial assistance among different agricultural activities plans and programs of NABARD in Uttar Pradesh. ? H1: There lies a significant difference in financial assistance among different agricultural activities plans and programs of NABARD in Uttar Pradesh.

The total disbursements by NABARD in Uttar Pradesh have been divided into four categories then analyses have been conducted. The analysis of Purpose-wise refinance disbursement by NABARD with the help of CAGR shows that the Non-Farm Sector had been the priority areas for the bank with a highest CAGR of 10.94% during the period under study. This Sector had been on the top in almost all the years on the basis of absolute amount of disbursement. Allied to agriculture sector come next with a CAGR score of 6.10% followed by Agriculture Sector (CAGR -4.16%), having the lowest share in assistance in terms of both percentage and absolute amount. The Other Sector is the only region exposing a lowest negative CAGR of -7.79%. Hence, it can safely be concluded that allied to agriculture sector and Non-Farm Sector constitute the preference Sector in the eyes of the bank as far as the agriculture and rural area is concerned. The Purpose-wise distribution of finance can be visualized with the help of Figures-which express that the Non-farm sector has been a priority sector for NABARD particularly after 2005-06 to 2010-12 though, its share declined during 2011-12 in comparison to 2010-11. The figure is the proof of the fact that Agriculture Sector is the most neglected Sector while Allied to agriculture and Non-Farm Sector got assistance better than the other sector.

The analysis of Purpose -wise refinance disbursement by NABARD with the help of CAGR shows that the Non-Farm Sector had been the priority areas for the bank with a highest CAGR of 10.94% during the period under study. This Sector had been on the top in almost all the years on the basis of absolute amount of disbursement. Allied to agriculture sector comes next with a CAGR score of 6.10% followed by Agriculture Sector (CAGR-4.16%), having the lowest share in assistance in terms of both percentage and absolute amount. The Other Sector is the only region exposing a lowest negative CAGR of -7.79%. Hence, it can safely be concluded that allied to agriculture sector and Non-Farm Sector constitute the preference Sector in the eyes of the bank as far as the agriculture and rural area is concerned. The Purpose-wise distribution of finance can be visualized with the help of Figure-which express that the Non-farm sector has been a priority sector for NABARD particularly after 2005-06 to 2010-12 though, its share declined during 2011-12 in comparison to 2010-11. The figure is the proof of the fact that Agriculture Sector is the most neglected Sector while allied to agriculture and Non-Farm Sector got assistance better than the other sector. From the study of Purpose wise different agricultural plans and programmes in the disbursement of funds it has been seen that NABARD has disbursed less money towards farm sector as compared to Non-farm and allied to agriculture sector.