Lok Sabha Question No. 5134 (UNSTARRED), answered on 2017-04-05
Subject: Self Help Groups in Poverty Alleviation
Ministry: HOUSING AND URBAN  POVERTY ALLEVIATION
Asked by: CHHEDI PASWAN

## GOVERNMENT OF INDIA MINISTRY OF HOUSING AND URBAN POVERTY ALLEVIATION LOK SABHA UNSTARRED QUESTION NO. 5134 TO BE ANSWERED ON APRIL 5, 2017

## SELF HELP GROUP IN POVERTY ALLEVIATION

No. 5134 SHRI CHHEDI PASWAN:

Will  the  Minister  of  HOUSING  AND  URBAN  POVERTY  ALLEVIATION  be pleased to state:-

- (a) the role of Self Help groups in poverty alleviation in the country;
- (b) the  steps  taken/proposed  to  be  taken  by  the  Government  to encourage Self Help Groups in the country including Bihar; and
- (c) the details of the schemes being run by the Government to provide sufficient financial resources and loans to the self help groups and to empower them, State-wise including Bihar?

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF HOUSING & URBAN POVERTY ALLEVIATION [RAO INDERJIT SINGH]

****

- (a) : Deendayal Antyodaya YojanaNational Urban Livelihoods Mission  (DAY-NULM)  and  DAY-National  Rural  Livelihoods  Mission (DAY-NRLM) envisage mobilization of urban/ rural poor households into SHGs and its federations. Self-Help Groups (SHGs) are groups of 10-20 women or differently abled men who come together to improve their living conditions by groups savings and loans.
- (b) & (c):  For  promoting financial inclusion of SHG members under DAY-NULM & DAY-NRLM, Resource Organizations have been empanelled.

Under  DAY-NULM, a Revolving  Fund  (RF)  support  of  Rs.  10,000/-  per

SHG and RF of Rs. 50,000/- to registered Area Level Federation (ALF)

is  provided to sustain their activities. Further financial assistance is provided  to  SHGs  through  bank-  linkage  including  interest  subsidy over and above 7 percent rate of interest. Details of State/UT -wise number  of  SHGs  which  have  received  RF  and  bank  linkage  is  at annexure-I.

Under DAY-NRLM, there is provision of revolving  fund  of  Rs.  10,00015,000  per  SHG  and  Community  Investment  Fund  (CIF)  upto  Rs.  2.5 Lakh per SHG. Further, intensive support is provided for bank linkage so  that  each  SHG  member  would  be  able  to  leverage  accumulated bank  credit  of  Rs.  1  Lakh  over  a  period  of  5-8  years.  Details  of State/UT -wise RF and CIF provided under DAY-NRLM is at Annexure-II and  details  of  bank  loan  provided  to  SHGs  under  DAY-NRLM  is  at Annexure-III.  All women SHGs in selected 250 districts are eligible  to avail 7%  interest for loan upto Rs. 3 lakhs and  an  additional subvention of 3% for timely repayment.

******

Annexure -I in referred to in reply of Lok Sabha unstarred question No. 5134 to be answered on 05.04.2017

| REVOLVING FUND and SHG BANK LINKAGE UNDER DAY - NULM   | REVOLVING FUND and SHG BANK LINKAGE UNDER DAY - NULM   | REVOLVING FUND and SHG BANK LINKAGE UNDER DAY - NULM   | REVOLVING FUND and SHG BANK LINKAGE UNDER DAY - NULM   | REVOLVING FUND and SHG BANK LINKAGE UNDER DAY - NULM   | REVOLVING FUND and SHG BANK LINKAGE UNDER DAY - NULM   | REVOLVING FUND and SHG BANK LINKAGE UNDER DAY - NULM   | REVOLVING FUND and SHG BANK LINKAGE UNDER DAY - NULM   |
|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|--------------------------------------------------------|
|                                                        |                                                        | FY - 2014 - 15                                         | FY - 2014 - 15                                         | FY - 2015 - 16                                         | FY - 2015 - 16                                         | FY - 2016 - 17                                         | FY - 2016 - 17                                         |
| Sl.No                                                  | States/Uts                                             | SHGs received RF                                       | SHGs Linked to Bank                                    | SHGs received RF                                       | SHGs Linked to Bank                                    | SHGs received RF                                       | SHGs Linked to Bank                                    |
| 1                                                      | Andhra Pradesh                                         | 2000                                                   | 17200                                                  | 4901                                                   | 36762                                                  | 10098                                                  | 38058                                                  |
| 2                                                      | Arunachal Pradesh                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      |
| 3                                                      | Assam                                                  | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 996                                                    | 0                                                      |
| 4                                                      | Bihar                                                  | 1366                                                   | 0                                                      | 2431                                                   | 99                                                     | 1795                                                   | 167                                                    |
| 5                                                      | Chhattisgarh                                           | 473                                                    | 46                                                     | 3270                                                   | 465                                                    | 3148                                                   | 835                                                    |
| 6                                                      | Goa                                                    | 0                                                      | 0                                                      | 10                                                     | 0                                                      | 41                                                     | 0                                                      |
| 7                                                      | Gujarat                                                | 0                                                      | 0                                                      | 25                                                     | 0                                                      | 2280                                                   | 26                                                     |
| 8                                                      | Haryana                                                | 109                                                    | 109                                                    | 0                                                      | 0                                                      | 30                                                     | 113                                                    |
| 9                                                      | Himachal Pradesh                                       | 0                                                      | 0                                                      | 533                                                    | 7                                                      | 59                                                     | 33                                                     |
| 10                                                     | Jammu & Kashmir                                        | 0                                                      | 0                                                      | 53                                                     | 438                                                    | 328                                                    | 72                                                     |
| 11                                                     | Jharkhand                                              | 15                                                     | 2                                                      | 138                                                    | 20                                                     | 558                                                    | 41                                                     |
| 12                                                     | Karnataka                                              | 4200                                                   | 419                                                    | 1249                                                   | 854                                                    | 299                                                    | 157                                                    |
| 13                                                     | Kerala                                                 | 0                                                      | 0                                                      | 3014                                                   | 604                                                    | 6586                                                   | 3888                                                   |
| 14                                                     | Madhya Pradesh                                         | 32                                                     | 21                                                     | 1136                                                   | 129                                                    | 2678                                                   | 593                                                    |
| 15                                                     | Maharashtra                                            | 668                                                    | 360                                                    | 1316                                                   | 261                                                    | 2990                                                   | 931                                                    |
| 16                                                     | Manipur                                                | 0                                                      | 0                                                      | 280                                                    | 0                                                      | 149                                                    | 70                                                     |
| 17                                                     | Meghalaya                                              | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      |
| 18                                                     | Mizoram                                                | 1152                                                   | 186                                                    | 0                                                      | 5                                                      | 126                                                    | 16                                                     |
| 19                                                     | Nagaland                                               | 36                                                     | 0                                                      | 0                                                      | 21                                                     | 0                                                      | 0                                                      |
| 20                                                     | Odisha                                                 | 500                                                    | 24                                                     | 670                                                    | 396                                                    | 218                                                    | 175                                                    |
| 21                                                     | Punjab                                                 | 0                                                      | 0                                                      | 0                                                      | 50                                                     | 94                                                     | 0                                                      |
| 22                                                     | Rajasthan                                              | 0                                                      | 0                                                      | 915                                                    | 0                                                      | 2599                                                   | 171                                                    |
| 23                                                     | Sikkim                                                 | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      |
| 24                                                     | Tamil Nadu                                             | 3530                                                   | 132                                                    | 2411                                                   | 870                                                    | 1050                                                   | 31022                                                  |
| 25                                                     | Telangana                                              | 2741                                                   | 17045                                                  | 5725                                                   | 20343                                                  | 2088                                                   | 21993                                                  |
| 26                                                     | Tripura                                                | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 154                                                    | 0                                                      |
| 27                                                     | Uttar Pradesh                                          | 0                                                      | 0                                                      | 513                                                    | 0                                                      | 2131                                                   | 59                                                     |
| 28                                                     | Uttarakhand                                            | 6                                                      | 0                                                      | 2                                                      | 0                                                      | 91                                                     | 2                                                      |
| 29                                                     | West Bengal                                            | 1849                                                   | 0                                                      | 7505                                                   | 0                                                      | 6664                                                   | 1608                                                   |
| 30                                                     | A & N Islands                                          | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      |
| 31                                                     | Chandigarh                                             | 0                                                      | 0                                                      | 28                                                     | 0                                                      | 28                                                     | 22                                                     |
| 32                                                     | D & N Haveli                                           | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      |
| 33                                                     | Daman & Diu                                            | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      |
| 34                                                     | Delhi                                                  | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      | 0                                                      |
| 35                                                     | Puducherry                                             | 0                                                      | 0                                                      |                                                        | 0                                                      | 0                                                      | 0                                                      |
|                                                        | Total                                                  | 18677                                                  | 35544                                                  | 0 36125                                                | 61324                                                  | 47278                                                  | 100052                                                 |

## Annexure -II referred to in reply to Lok Sabha Un -Starred Question 5134 to be answered on 05.04.2017.

## State/UT -wise Revolving Fund and Community investment fund to SHGs under DAY -NRLM

| Sl No   | State             | Total Number of SHGs provided Revolving Fund(RF)   | Total Number of SHGs provided Revolving Fund(RF)   | RF amount disbursed to SHGs (Rs in lakh)   | RF amount disbursed to SHGs (Rs in lakh)   | Total Number of SHGs provided Community Investment Fund (CIF)   | Total Number of SHGs provided Community Investment Fund (CIF)   | CIF amount disbursed to SHGs (Rs in lakh)   | CIF amount disbursed to SHGs (Rs in lakh)   |
|---------|-------------------|----------------------------------------------------|----------------------------------------------------|--------------------------------------------|--------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|---------------------------------------------|---------------------------------------------|
| Sl No   | State             | 2015 - 16                                          | 2016 - 17 (up to Februray, 2017                    | 2015 - 16                                  | 2016 - 17 (up to Februray, 2017            | 2015 - 16                                                       | 2016 - 17 (up to Februray, 2017                                 | 2015 - 16                                   | 2016 - 17 (up to Februray , 2017            |
| 1       | Andhra Pradesh    | 0                                                  | 0                                                  | 0                                          | 0.00                                       | 0                                                               | 0                                                               | 0                                           | 0.00                                        |
| 2       | Assam             | 13298                                              | 11322                                              | 1964.8                                     | 1514.70                                    | 8620                                                            | 4863                                                            | 3581.79                                     | 2128.05                                     |
| 3       | Bihar             | 51884                                              | 42680                                              | 7778.6                                     | 6399.12                                    | 51072                                                           | 40013                                                           | 8661.15                                     | 6132.65                                     |
| 4       | Chhattisgarh      | 7446                                               | 8217                                               | 1116.9                                     | 1228.74                                    | 4893                                                            | 5175                                                            | 3321.075                                    | 2959.57                                     |
| 5       | Goa               | 0                                                  | 0                                                  | 0                                          | 0                                          | 0                                                               | 0                                                               | 0                                           | 0.00                                        |
| 6       | Gujarat           | 5458                                               | 6576                                               | 431.75                                     | 771.08                                     | 1330                                                            | 2385                                                            | 646.02                                      | 1112.61                                     |
| 7       | Jharkhand         | 8586                                               | 12479                                              | 1285.01                                    | 1870.80                                    | 8374                                                            | 8468                                                            | 5728.453                                    | 4586.72                                     |
| 8       | Karnataka         | 262                                                | 516                                                | 39.3                                       | 75.55                                      | 3708                                                            | 4060                                                            | 3881.4                                      | 3704.14                                     |
| 9       | Kerala            | 853                                                | 581                                                | 112.95                                     | 66.40                                      | 871                                                             | 746                                                             | 425.5                                       | 353.05                                      |
| 10      | Madhya Pradesh    | 24071                                              | 15589                                              | 3105.26                                    | 1914.43                                    | 11879                                                           | 9230                                                            | 7362.88                                     | 4871.73                                     |
| 11      | Maharashtra       | 10283                                              | 11023                                              | 1506.27                                    | 1630.42                                    | 2282                                                            | 3616                                                            | 1246.35                                     | 1856.80                                     |
| 12      | Odisha            | 4824                                               | 11480                                              | 656.7                                      | 1628.25                                    | 6294                                                            | 10962                                                           | 3119.402                                    | 6458.50                                     |
| 13      | Rajasthan         | 3315                                               | 4041                                               | 493.35                                     | 602.20                                     | 1716                                                            | 2633                                                            | 1788.82                                     | 2894.56                                     |
| 14      | Tamil Nadu        | 4062                                               | 7260                                               | 517.055                                    | 1014.44                                    | 2624                                                            | 4440                                                            | 1456.35                                     | 2263.34                                     |
| 15      | Telengana         | 0                                                  | 0                                                  | 0                                          | 0.00                                       | 0                                                               | 0                                                               | 0                                           | 0.00                                        |
| 16      | Uttar Pradesh     | 8461                                               | 14636                                              | 1212.23                                    | 2191.40                                    | 2577                                                            | 8720                                                            | 2353.41                                     | 7476.65                                     |
| 17      | West Bengal       | 8106                                               | 13198                                              | 1115.18                                    | 1951.92                                    | 1770                                                            | 13758                                                           | 766.409                                     | 5468.18                                     |
| 18      | Haryana           | 716                                                | 1675                                               | 107.085                                    | 167.85                                     | 268                                                             | 566                                                             | 132.6                                       | 300.48                                      |
| 19      | Himachal Pradesh  | 344                                                | 248                                                | 47.1                                       | 30.55                                      | 164                                                             | 21                                                              | 106.2                                       | 10.95                                       |
| 20      | Jammu & Kashmir   | 3579                                               | 1865                                               | 536.85                                     | 279.75                                     | 3437                                                            | 2006                                                            | 1374.8                                      | 799.60                                      |
| 21      | Punjab            | 949                                                | 822                                                | 142.35                                     | 86.25                                      | 338                                                             | 203                                                             | 263.725                                     | 87.00                                       |
| 22      | Uttarakhand       | 411                                                | 943                                                | 41.1                                       | 94.45                                      | 245                                                             | 516                                                             | 186.24                                      | 492.05                                      |
| 23      | Arunachal Pradesh | 0                                                  | 0                                                  | 0                                          | 0.00                                       | 0                                                               | 0                                                               | 0                                           | 0.00                                        |
| 24      | Manipur           | 0                                                  | 188                                                | 0                                          | 28.20                                      | 0                                                               | 0                                                               | 0                                           | 0.00                                        |
| 25      | Meghalaya         | 135                                                | 499                                                | 19.965                                     | 73.80                                      | 13                                                              | 38                                                              | 0                                           | 21.75                                       |
| 26      | Mizoram           | 39                                                 | 248                                                | 5.25                                       | 36.45                                      | 0                                                               | 249                                                             | 0                                           | 132.00                                      |
| 27      | Nagaland          | 414                                                | 1                                                  | 62.1                                       | 0.15                                       | 60                                                              | 300                                                             | 0                                           | 113.43                                      |
| 28      | Sikkim            | 0                                                  | 662                                                | 0                                          | 99.30                                      | 0                                                               | 0                                                               | 0                                           | 0.00                                        |
| 29      | Tripura           | 620                                                | 868                                                | 74.65                                      | 103.95                                     | 244                                                             | 324                                                             | 0                                           | 195.25                                      |
|         |                   |                                                    | 0                                                  | 0                                          |                                            | 0                                                               | 0                                                               |                                             | 0.00                                        |
| 30      | Puducherry Total  | 0 158116                                           | 167617                                             | 22371.81                                   | 0 23860.14                                 | 112779                                                          | 123292                                                          | 0 46402.57                                  | 54419.06                                    |

Annexure -III referred to in reply to Lok Sabha Un -Starred Question 5134 to be answered on 05.04.2017.

## State/UT -Wise details OF SHG Bank Linkage under DAY -NRLM

(Rs. in crore)

| S.N o   | States &UTs       | 2014 - 15   | 2014 - 15         | 2015 - 16   | 2015 - 16         |
|---------|-------------------|-------------|-------------------|-------------|-------------------|
| S.N o   | States &UTs       | Total SHGs  | Total Loan Amount | Total SHGs  | Total Loan Amount |
| 1       | Andhra Pradesh    | 189019      | 5990.5            | 304,202     | 10308.4           |
| 2       | Arunachal Pradesh | 14          | 0.3               | 29          | 0.56              |
| 3       | Assam             | 11126       | 93.33             | 12,764      | 93.89             |
| 4       | Bihar             | 35096       | 246.58            | 64,154      | 529.25            |
| 5       | Chattisgarh       | 9273        | 113.74            | 19,006      | 188.07            |
| 6       | Goa               | 487         | 15.77             | 439         | 13.03             |
| 7       | Gujarat           | 16281       | 152.48            | 14,280      | 146.87            |
| 8       | Haryana           | 996         | 11.27             | 1,799       | 19.5              |
| 9       | Himachal Pradesh  | 1664        | 29.29             | 1,902       | 30.59             |
| 10      | Jammu &Kashmir    | 1831        | 13.2              | 1,717       | 17.54             |
| 11      | Jharkhand         | 3355        | 36.27             | 7,346       | 63.29             |
| 12      | Karnataka         | 229294      | 4212.86           | 160,696     | 3770.2            |
| 13      | Kerala            | 62189       | 1369.09           | 54,988      | 1741.5            |
| 14      | Madhya Pradesh    | 17760       | 179.57            | 14,680      | 162.78            |
| 15      | Maharashtra       | 51973       | 726.81            | 60,789      | 822.33            |
| 16      | Manipur           | 84          | 0.79              | 68          | 0.91              |
| 17      | Meghalaya         | 4           | 0.05              | 5           | 0.08              |
| 18      | Mizoram           | 4           | 0.09              | 5           | 0.03              |
| 19      | Nagaland          | 556         | 9.05              | 105         | 2.25              |
| 20      | Odisha            | 44195       | 522.2             | 46,402      | 599.35            |
| 21      | Punjab            | 323         | 5.2               | 397         | 16.72             |
| 22      | Rajasthan         | 13925       | 140.24            | 14,659      | 175.94            |
| 23      | Sikkim            | 58          | 0.27              | 115         | 0.9               |
| 24      | Tamil Nadu        | 169620      | 4405.21           | 155,574     | 4542.31           |
| 25      | Telangana         | 136504      | 3938.23           | 135,673     | 4470.65           |
| 26      | Tripura           | 912         | 4.69              | 656         | 5.33              |
| 27      | Uttar Pradesh     | 5803        | 90.23             | 7,017       | 111.7             |
| 28      | Uttarakhand       | 632         | 5.54              | 1,339       | 8.8               |
| 29      | West Bengal       | 138435      | 1233.81           | 177,108     | 2012.01           |
|         | Sub Total         | 1141413     | 23546.7           | 1257914     | 29854.8           |
|         | All India Total   | 1159473     | 23956.5           | 1283911     | 30372.8           |