Lok Sabha Question No. 1219 (UNSTARRED), answered on 2017-12-22
Subject: Women Empowerment through Self Help Groups
Ministry: WOMEN AND CHILD DEVELOPMENT
Asked by: SIRAJUDDIN AJMAL

## GOVERNMENT OF INDIA

## MINISTRY OF WOMEN AND CHILD DEVELOPMENT

## LOK SABHA UNSTARRED QUESTION NO. 1219

TO BE ANSWERED ON 22.12.2017

## WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS

## 1219 SHRI SIRAJUDDIN AJMAL:

Will the Minister of WOMEN AND CHILD DEVELOPMENT be pleased to state:

- (a) The details of schemes implemented by the Government for Women Empowerment through Self Help Groups (SHGs) in the country;
- (b) the  allocation  and  utilisation  of  funds  under  such  schemes  during  each  of  the  last three years and the current year, State/UT-wise;
- (c) whether the Government has any proposal to involve SHGs in implementing all the social  development  programmes,  besides  carrying  out  manufacturing  and  trading activities to achieve maximum possible success; and
- (d) if so, the details thereof?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF WOMEN AND CHILD DEVELOPMENT (DR. VIRENDRA KUMAR)

- (a) Rashtriya Mahila Kosh (RMK) is a society registered under the Societies Registration Act, 1860 under the Ministry of Women & Child Development (MWCD) and an apex micro-finance organization to provide micro-credit at concessional rate of interest to women Self Help Groups or individual  women (the  ultimate  beneficiaries)  through Intermediary Micro-financing Organizations (IMOs) /Non-Governmental Organisations (NGOs)/ Voluntary Organisations (VOs) for various livelihood support and income generating activities. Details of Loan Schemes of Rashtriya Mahila Kosh is Annexed .
- (b) State wise allocation of funds was not made as RMK is not lending funds directly to states.  However,  state  wise  utilization  of  sanctioned  loan  during  each  of  the  three years and current year is as under:
- (c) &(d) No Madam, does not arise.

| S. No.                                | State/UT-wise                         | Loan Released(Rs in Lacs)   |
|---------------------------------------|---------------------------------------|-----------------------------|
| For the year 2014 - 2015              | For the year 2014 - 2015              | For the year 2014 - 2015    |
| 1.                                    | Bihar                                 | 25.00                       |
| 2.                                    | Jammu &Kashmir                        | 35.00                       |
| 3.                                    | Jharkhand                             | 49.50                       |
| 4.                                    | Karnataka                             | 7.50                        |
| 5.                                    | Rajasthan                             | 10.00                       |
| 6.                                    | Tamil Nadu                            | 142.00                      |
| 7.                                    | West Bengal                           | 65.00                       |
| Total                                 | Total                                 | 334.00                      |
| For the year 2015-16                  | For the year 2015-16                  | NIL                         |
| For the year 2016-17                  | For the year 2016-17                  |                             |
| 1.                                    | West Bengal                           | 55.00                       |
|                                       | Total                                 | 55.00                       |
| For the year 2017-18(Till 18/12/2017) | For the year 2017-18(Till 18/12/2017) | NIL                         |

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## ANNEXURE REFERRED TO IN REPLY OF LOK SABHA UNSTARRED QUESTION NO. 1219 REGARDING 'WOMEN EMPOWERMENT THROUGH SELF HELP GROUPS' FOR 22.12.2017 RAISED BY SHRI SIRAJUDDIN AJMAL.

## Loan schemes operating under the Rashtriya Mahila Kosh (RMK) are as under:

- i) Loan  Promotion  Scheme:  This  scheme  is  for  providing  loans  to  new  and  smaller organizations with experience  of at least 6 months  in  thrift and  credit.  The organization can avail a maximum loan up to Rs. 10 Lakhs.
2. ii) Main  Loan  Scheme:  This  scheme  is  for  providing  loans  to  organizations  having minimum 3 years' experience in thrift and credit activities. The organization can avail maximum loan upto 2 Crores for 1 state. An organization can avail loan under the scheme for a maximum number of 3 states at a time. If the organization avails loan for more than 1 state, then the maximum loan amount can be upto 6 Crores.
3. iii) Gold Credit Card Scheme: This Scheme is for providing bulk loans to medium and large NGOs. This scheme is meant for organization which has in the past availed loan from  RMK  and  have  not  defaulted  in  repayment.  The  organization  can  avail  a maximum loan upto Rs. 5 Crores.
4. iv) Housing Loan Scheme: This scheme is for providing loan for construction/repair and maintenance of houses to women who are members of Self Help Group/Joint Liability Groups(JLGs). This loan is provided through IMOs/NGOs/VOs. The organization can avail a maximum loan upto Rs. 1,00,000/- per beneficiary for construction of low cost house.  The  organization  has  to  mortgage  the  immovable  property  created  out  of RMK's loan by deposit of the title deed (i.e., equitable mortgage). The NGO/IMO/VO may hold the deeds in trust for RMK and details of the same be captured in RMK database.  An  NGO/IMO/VO  can  avail  a  maximum  loan  upto  Rs.  6  Crores  for  a maximum of 3 states at a time.
- v) Working Capital Term Loan (WCTL):  This scheme is for providing working capital term  loan  to  the  intermediary  organization  for  backward  and  forward  marketing linkage  of  product  of  Women  SHGs/  Individuals  and  group  entrepreneurs,  namely technology transfer, education and skill up gradation.
6. vi) Repeat Loan Scheme: For a repeat loan, the NGO/IMO must have promptly repaid 80% of the precious loan without any break or delay in repayment.