Lok Sabha Question No. 38 (STARRED), answered on 2017-02-03
Subject: Rashtriya Mahila Kosh
Ministry: WOMEN AND CHILD DEVELOPMENT
Asked by: RAVINDRA VISHWANATH GAIKWAD

## GOVERNMENT OF INDIA MINISTRY OF WOMEN AND CHILD DEVELOPMENT

## LOK SABHA STARRED QUESTION NO 38

TO BE ANSWERED ON 03.02.2017

## RASHTRIYA MAHILA KOSH

## 38. PROF.RAVINDRA VISHWANATH GAIKWAD

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

- a) the details of the loan schemes operating under the Rashtriya Mahila Kosh (RMK), its existing corpus and the criteria/ norms adopted for sanction of loans thereunder;
- b) the details of proposals received and sanctioned under different loan schemes of  RMK along with the number of beneficiaries thereunder during each of the last three years and the current year, scheme and State/UT-wise;
- c) whether  the  Government  has  taken  note  that  number  of  persons  have  not  repaid  the  loan amount taken under different loan schemes of RMK;
- d) if so, the details thereof indicating the number of loan defaulters in this regard during the said period; and
- e) the  measures  taken  by  the  Government  to  remove  the  deficiencies  found  in  the  RMK  and improve its functioning?

## ANSWER

MINISTER OF WOMEN AND CHILD DEVELOPMENT (SHRIMATI MANEKA SANJAY GANDHI)

(a) to (e): A Statement is laid on the Table of the House.

## STATEMENT  REFERED  TO  IN  REPLY  OF  LOK  SABHA  STARRED  QUESTION  NO.38  FOR 03.02.2017 RAISED BY PROF.RAVINDRA VISHWANATH GAIKWAD - RASHTRIYA MAHILA KOSH

- (a) Rashtriya Mahila Kosh (RMK) is an autonomous organization under the Ministry of Women & Child  Development  (MWCD).  It  is  a  society  registered  under  the  Societies  Registration  Act 1860 and an apex micro-finance organization. The main objective of setting up of RMK was to provide  micro-credit  to  poor  women  in  the  informal  sector  for  various  livelihood  support  and income generating activities at concessional terms in a client-friendly procedure and free them from clutches of money lenders to bring about their socio-economic development. The existing corpus of Rashtriya Mahila Kosh is `100 Crore.

Details of existing loan schemes operating under the Rashtriya Mahila Kosh (RMK) and criteria/ norms adopted for sanction of loans are given under Annexure -I.

The  loan  schemes  and  criteria/norms  adopted  for  sanction  of  loans  thereunder  are  being revised.

- (b) The details of proposals received under different existing loan schemes of RMK since 2013-14 is given under Annexure-II.

The details of loan sanctioned under different loan schemes of RMK along with the number of women beneficiaries  thereunder  during  each  of  the  last  three  years  and  the  current  year  is given in Annexure-III.

- (c)        to (e) Yes madam.

The  cumulative  net  numbers  of  defaulters  under  loan  schemes  of  RMK  is  517  as  on 15.01.2017, showing a decreasing trend from 544 as on 31.03.2014.

Government  has  taken  the  following  measures  to  remove  the  deficiencies  and  improve  the functioning of RMK:

-  The functioning  of  RMK  is  being  strengthened  through  the  restructuring  of  the  organization, revising loan guidelines to meet present needs and also the processing of fresh loan proposals for sanctioning and disbursement of loans.
-  To provide marketing linkage to women entrepreneurs/SHGs/NGOs, Mahila E-haat, an online direct marketing platform, was launched by Ministry of WCD on 7 th  March, 2016 at New Delhi with  the  vision  to  empower  &  strengthen  financial  inclusion  of  Women  Entrepreneurs  in  the economy by providing continued sustenance and support to their creativity. It is an initiative for meeting  aspirations  and  needs  of  women  entrepreneurs.  It  will  leverage  technology  for showcasing products made/manufactured/sold by women entrepreneurs/SHGs/NGOs as also showcase services reflecting their creative potential.
-  In  the  recovery front, legal action under Section 138 of Negotiable Instrumental Act, filling of Civil Suit and other legal recourses have been started that including appointment of Arbitrator, filing  FIR,  execution  of  decree,  etc.  Simultaneously  the  defaulting  NGOs  are  blacklisted whereby they are debarred from availing any sort of grants or aid by any Central / State Govt. agency.
-  The functioning of  RMK is being further strengthened through  downward revision of interest rates, etc.

## Details of loan schemes operating under the Rashtriya Mahila Kosh

## i) Loan Promotion Scheme:

RMK provides smaller loan, maximum upto ` .10 lakh, to promote the activity of thrift and credit among new and smaller but potentially capable organisations having at-least six months experience in formation of SHGs, thrift, credit and recovery management.

## ii) Main Loan Scheme:

IMOs having minimum 3 years' experience in thrift and credit activities are considered under the  scheme  for  loan  upto ` 200  lakh  per  state  and  a  maximum  of  Rs.  600  Lakhs  for  multistate operations.

## iii) Refinance Scheme:

RMK  provides  100%  refinance  assistance  to  Mahila  Urban  Co-operative  Bank  on  finances provides by them to poor women either directly or through SHGs within the norms of the RMK Main Loan Scheme.

## iv) Franchisee Scheme:

Smaller NGOs of the State can avail loan directly from franchisee appointed by RMK for that particular State without sending their proposal to RMK office at New Delhi. RMK gives the Credit Limit upto ` 500 lakh to the Franchisee who in turn extend loan to smaller & potential NGOs in the State.

## v) Gold Credit Card Scheme:

This Scheme of providing hassle free finance has been designed for medium and large NGOs so as to provide extended moratorium and credit on easier terms by RMK, for 3 years period. Maximum credit limit under this scheme is ` 500 lakh.

## vi) Housing Loan Scheme:

Through  its  partner  organizations,  RMK  provides  loans  upto  a  maximum ` 1,00,000/-  per beneficiary to SHG members for construction of low cost house and repairs.

## vii) Working Capital Term Loan (WCTL):

WCTL  is  provided  to  the  organisations  for  backward  and  forward  marketing  linkages  of products  of  women  SHGs/  individuals  and  group  of  entrepreneurs,  including  technology  transfer, education  for  skill  up-  gradation  and  infrastructure  development.  The  borrowing  organisation  should have availed of a minimum loan of  `25 lakhs or above under micro-credit schemes of RMK/ SIDBI / NABARD  /  Commercial  Banks.  The  condition  is  not  applicable  to  Government  organisations.  The maximum loan that can be sanctioned under this scheme is Rs 6 crores for multistate operations and ` 2 crore per State per IMO.

## Key criteria/ norms for availing loans by IMOs from RMK

-  The organization applying for loan from RMK should register on NITI Aayog portal and submit unique ID generated.
-  The organization should have broad based objectives, serving social and economic needs of the poor women. It must not work for profit.
-  The organization should be three years old as on the date of loan application to RMK.
-  The organization should have necessary professional competence, basic financial management capability and organizational skills to implement the lending programme.
-  The office  bearers  of  the  organization  should  not  be  elected  representatives  of  any  political party.
-  The  organization  should  have  system  of  maintaining  accounts,  which  should  have  been audited and published every year and there should not have been any irregularities.
-  The organization should have experience in thrift and credit management for last 3 years or more. (Six months for applying under the Loan Promotion Scheme).
-  The application should clearly reflect the source of funds utilized earlier for credit.
-  Recovery of loans given to SHG beneficiaries should be at least 90% and above, whenever IMO approaches RMK for loan.
-  There should be specific clause / provision in the Bye-laws / Memorandum of Association of the organization having power to borrow or raise loans from any outside agency.
-  There  should  be  appropriate  reflection  in  the  organization's  audited  accounts  and  balance sheet  in  respect  of  its  experience  in  providing  credit  and  recoveries  etc.  Audited  accounts should reflect sound financial management / health.
-  Loan limit per beneficiary (a) first loan - upto ` 35,000/-, (b) Repeat loan(s) - upto ` 50,000/-.
-  There should be a clause in MOA / Bye laws that 2/3 rd  quorum is required for dissolution of the organization.

******

The details of proposals received under different loan schemes of RMK since 2013-14

| Sr. No.   | State                   |   Total |
|-----------|-------------------------|---------|
| 1         | Andhra Pradesh          |      24 |
| 2         | Assam                   |       9 |
| 3         | Bihar                   |      22 |
| 4         | Chhattisgarh            |       1 |
| 5         | Delhi                   |       7 |
| 6         | Gujarat                 |       3 |
| 7         | Haryana                 |       5 |
| 8         | Himachal Pradesh        |       1 |
| 9         | J & K                   |       4 |
| 10        | Jharkhand               |       7 |
| 11        | Karnataka               |      16 |
| 12        | Kerala                  |       6 |
| 13        | Madhya Pradesh          |      14 |
| 14        | Maharashtra             |     110 |
| 15        | Manipur                 |      13 |
| 16        | Nagaland                |       1 |
| 17        | Odisha                  |      26 |
| 18        | Punjab                  |       4 |
| 19        | Rajasthan               |      15 |
| 20        | Tamil Nadu              |      92 |
| 21        | Tripura                 |       1 |
| 22        | Uttar Pradesh           |      34 |
| 23        | Uttarkhand              |       6 |
| 24        | West Bengal             |      51 |
|           | Total Proposal received |     472 |

********

The  details  of  loan  sanctioned  under  different  loan  schemes  of  RMK  along  with  the  no.  of women beneficiaries thereunder:

## a)       For the year 2013 - 2014

| S. No                             | Name of the NGO's                                            | Loan Amount                       | Loan Amount                   | No. of Beneficiarie           |
|-----------------------------------|--------------------------------------------------------------|-----------------------------------|-------------------------------|-------------------------------|
| S. No                             | Name of the NGO's                                            | Sanctione d                       | Disburse d                    | No. of Beneficiarie           |
| s Bihar                           | s Bihar                                                      | s Bihar                           | s Bihar                       | s Bihar                       |
| Composite Loan Scheme             | Composite Loan Scheme                                        | Composite Loan Scheme             | Composite Loan Scheme         | Composite Loan Scheme         |
| 1                                 | Jeevan Jyoti Kala Kendra                                     |                                   | 10                            |                               |
| 2                                 | Samadhan Kendra                                              | 50                                | 25                            | 350                           |
| Composite Loan Scheme             | Composite Loan Scheme                                        | 50                                | 35                            | 350                           |
| Subtotal of Bihar                 | Subtotal of Bihar                                            | 50                                | 35                            | 350                           |
| Delhi                             | Delhi                                                        | Delhi                             | Delhi                         | Delhi                         |
| Composite Loan Scheme             | Composite Loan Scheme                                        | Composite Loan Scheme             | Composite Loan Scheme         | Composite Loan Scheme         |
| 3                                 | New Luxmi Urban T/c Co-op Society Ltd                        |                                   | 5                             |                               |
| 4                                 | Pathways                                                     |                                   | 10                            |                               |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                            | Subtotal of Composite Loan Scheme | 15                            |                               |
| Subtotal of Delhi                 | Subtotal of Delhi                                            | Subtotal of Delhi                 | 15                            |                               |
| Gujarat Composite Loan Scheme     | Gujarat Composite Loan Scheme                                | Gujarat Composite Loan Scheme     | Gujarat Composite Loan Scheme | Gujarat Composite Loan Scheme |
| 5                                 | Women Empowerment Corporation                                |                                   | 10                            |                               |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                            | Subtotal of Composite Loan Scheme | 10                            |                               |
| Subtotal of Gujarat               | Subtotal of Gujarat                                          | Subtotal of Gujarat               | 10                            |                               |
| Haryana                           | Haryana                                                      | Haryana                           | Haryana                       | Haryana                       |
| Composite Loan Scheme             | Composite Loan Scheme                                        | Composite Loan Scheme             | Composite Loan Scheme         | Composite Loan Scheme         |
| 6                                 | Jagriti                                                      |                                   | 20                            |                               |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                            | Subtotal of Composite Loan Scheme | 20                            |                               |
| Subtotal of Haryana               | Subtotal of Haryana                                          | Subtotal of Haryana               | 20                            |                               |
| Jammu & Kashmir                   | Jammu & Kashmir                                              | Jammu & Kashmir                   | Jammu & Kashmir               | Jammu & Kashmir               |
| Composite Loan Scheme             | Composite Loan Scheme                                        | Composite Loan Scheme             | Composite Loan Scheme         | Composite Loan Scheme         |
| 7                                 | Gramodyog Hastkala Kendra                                    | 70                                |                               | 218                           |
| Composite Loan Scheme             | Composite Loan Scheme                                        | 70                                |                               | 218                           |
| Subtotal of Jammu & Kashmir       | Subtotal of Jammu & Kashmir                                  | 70                                |                               | 218                           |
| Jharkhand                         | Jharkhand                                                    | Jharkhand                         | Jharkhand                     | Jharkhand                     |
| Composite Loan Scheme             | Composite Loan Scheme                                        | Composite Loan Scheme             | Composite Loan Scheme         | Composite Loan Scheme         |
| 8                                 | Jan Sewa Parishad                                            | 99                                | 49.5                          | 650                           |
| Composite Loan Scheme             | Composite Loan Scheme                                        | 99                                | 49.5                          | 650                           |
| Subtotal of Jharkhand             | Subtotal of Jharkhand                                        | 99                                | 49.5                          | 650                           |
| Karnataka                         | Karnataka                                                    | Karnataka                         | Karnataka                     | Karnataka                     |
| Composite Loan Scheme             | Composite Loan Scheme                                        | Composite Loan Scheme             | Composite Loan Scheme         | Composite Loan Scheme         |
| 9                                 | Cauvery Mahila Credit Co-operative Society, Ltd              | 30                                |                               | 153                           |
| 10                                | Dhwani Institute for Rural Development for Rural Development | 15                                |                               | 150                           |
| Composite Loan Scheme             | Composite Loan Scheme                                        | 45                                |                               | 303                           |
| Subtotal of Karnataka             | Subtotal of Karnataka                                        | 45                                |                               | 303                           |
| Madhya Pradesh                    | Madhya Pradesh                                               | Madhya Pradesh                    | Madhya Pradesh                | Madhya Pradesh                |
| Composite Loan Scheme             | Composite Loan Scheme                                        | Composite Loan Scheme             | Composite Loan Scheme         | Composite Loan Scheme         |
| 11                                | ASRA Samjik Lok Kalyan Samiti                                |                                   | 5                             |                               |

( ` in Lakhs)

| 12                                | Mahila Chetna Manch                                                    |                                   | 50                    |                       |
|-----------------------------------|------------------------------------------------------------------------|-----------------------------------|-----------------------|-----------------------|
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | Subtotal of Composite Loan Scheme | 55                    |                       |
| Subtotal of Madhya Pradesh        | Subtotal of Madhya Pradesh                                             | Subtotal of Madhya Pradesh        | 55                    |                       |
| Maharashtra                       | Maharashtra                                                            | Maharashtra                       | Maharashtra           | Maharashtra           |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme             | Composite Loan Scheme | Composite Loan Scheme |
| 13                                | Mauli Mahila Gramin Bigarsheti Sahkari Patsanstha Maryadit             |                                   | 10                    |                       |
| 14                                | Vardhaman Nari Sahkari Patsanstha Maryadit                             |                                   | 10                    |                       |
| 15                                | Yashwant Co-operative Bank Ltd                                         |                                   | 50                    |                       |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme             | 70                    |                       |
| Subtotal of Maharashtra           | Subtotal of Maharashtra                                                | Subtotal of Maharashtra           | 70                    |                       |
| Odisha                            | Odisha                                                                 | Odisha                            | Odisha                | Odisha                |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme             | Composite Loan Scheme | Composite Loan Scheme |
| 16                                | Gram Uthan                                                             |                                   | 100                   |                       |
| 17                                | Swayamshree Micro Credit Services                                      |                                   | 75                    |                       |
| 18                                | The Eastern Multipurpose Co-op Society Ltd.                            |                                   | 10                    |                       |
| 19                                | United Club                                                            | 7.3                               | 3.65                  | 126                   |
| 20                                | Utkal Mahila Swayam Sahayak Samabaya Limited                           |                                   | 25                    |                       |
|                                   | Subtotal of Composite Loan Scheme                                      | 7.3                               | 213.65                | 126                   |
| Subtotal of Odisha                | Subtotal of Odisha                                                     | 7.3                               | 213.65                | 126                   |
| Rajasthan                         | Rajasthan                                                              | Rajasthan                         | Rajasthan             | Rajasthan             |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme             | Composite Loan Scheme | Composite Loan Scheme |
| 21                                | Krishak Vikas Sansthan                                                 | 20                                |                       | 177                   |
| 22                                | Lupin Human Welfare And Research Foundation Samiti                     |                                   | 200                   |                       |
| 23                                | Student's Relief Society                                               |                                   | 25                    |                       |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 20                                | 225                   | 177                   |
| Subtotal of Rajasthan             | Subtotal of Rajasthan                                                  | 20                                | 225                   | 177                   |
| Tamil Nadu                        | Tamil Nadu                                                             | Tamil Nadu                        | Tamil Nadu            | Tamil Nadu            |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme             | Composite Loan Scheme | Composite Loan Scheme |
| 24                                | All Women & Rural Development Society                                  | 20                                |                       | 133                   |
| 25                                | Avvaiya Rural Development Service                                      | 50                                |                       | 231                   |
| 26                                | Bharathi Women Devolopment Centre                                      | 150                               |                       | 1387                  |
| 27                                | Centre for Community Development                                       |                                   | 50                    |                       |
| 28                                | Kasthuribha Mahila Mandal                                              |                                   | 30                    |                       |
| 29                                | Promote Organization to viable Venture of Empowerment the Rural        | 75.2                              | 37.6                  | 435                   |
| 30                                | Roopam Trust                                                           | 63.3                              | 31.65                 | 265                   |
| 31                                | Rural Education Awareness & Development Society                        |                                   | 30                    |                       |
| 32                                | Rural Education Environment Development Multipurpose Awareness Society | 84                                |                       | 504                   |
| 33                                | Santhana Human Welfare & Educa'l Trust                                 | 80                                | 40                    | 462                   |
| 34                                | Social Education Economical Development Society                        |                                   | 10                    |                       |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 522.5                             | 229.25                | 3417                  |
| Loan Promotion Scheme             | Loan Promotion Scheme                                                  | Loan Promotion Scheme             | Loan Promotion Scheme | Loan Promotion Scheme |
| 35                                | Unification of World Rivers                                            |                                   | 5                     |                       |
| of Loan Promotion Scheme          | of Loan Promotion Scheme                                               |                                   | 5                     |                       |
|                                   | Subtotal of Tamil Nadu                                                 | 522.5                             | 234.25                | 3417                  |
| Uttar Pradesh                     | Uttar Pradesh                                                          | Uttar Pradesh                     | Uttar Pradesh         | Uttar Pradesh         |

| 36                                | Bhartiya Micro Credit                                        |                       | 10                    |                       |
|-----------------------------------|--------------------------------------------------------------|-----------------------|-----------------------|-----------------------|
| 37                                | Jan Chetna                                                   | 9.4                   | 4.7                   | 62                    |
| 38                                | Suman Technical Institute                                    | 10                    | 5                     | 52                    |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                            | 19.4                  | 19.7                  | 114                   |
| Subtotal of Uttar Pradesh         | Subtotal of Uttar Pradesh                                    | 19.4                  | 19.7                  | 114                   |
| West Bengal                       | West Bengal                                                  | West Bengal           | West Bengal           | West Bengal           |
| Composite Loan Scheme             | Composite Loan Scheme                                        | Composite Loan Scheme | Composite Loan Scheme | Composite Loan Scheme |
| 39                                | Apanjan Rural Development Sangha                             |                       | 2.5                   |                       |
| 40                                | Atghara Jyoti Mahila Udyog                                   |                       | 50                    |                       |
| 41                                | Badkulla Luna Silk Khadi Society                             | 70                    | 35                    | 1000                  |
| 42                                | Belghoria Janakalyan Samity                                  |                       | 50                    |                       |
| 43                                | Belghoria Sri Jagannath Mahila Self Help Group               | 10                    |                       | 115                   |
| 44                                | Joykrishnapur Progressive Rural Org for Voluntary Activities | 16                    | 8                     | 460                   |
| 45                                | Seba Rahara                                                  | 100                   | 50                    | 1150                  |
| 46                                | Society for Model Gram Bikas Kendra                          |                       | 100                   |                       |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                            | 196                   | 295.5                 | 2725                  |
| Subtotal of West Bengal           | Subtotal of West Bengal                                      | 196                   | 295.5                 | 2725                  |
| Total                             | Total                                                        | 1029.2                | 1242.6                | 8080                  |

## b) For the year 2014 - 2015

| S. No.                            | Name of the NGO's                                                      | Loans Disbursed       |
|-----------------------------------|------------------------------------------------------------------------|-----------------------|
| Bihar                             | Bihar                                                                  | Bihar                 |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme |
| 1                                 | Samadhan Kendra                                                        | 25                    |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 25                    |
| Subtotal of Bihar                 | Subtotal of Bihar                                                      | 25                    |
| Jammu & Kashmir                   | Jammu & Kashmir                                                        | Jammu & Kashmir       |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme |
| 2                                 | Gramodyog Hastkala Kendra                                              | 35                    |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 35                    |
| Subtotal of Jammu & Kashmir       | Subtotal of Jammu & Kashmir                                            | 35                    |
| Jharkhand                         | Jharkhand                                                              | Jharkhand             |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme |
| 3                                 | Jan Sewa Parishad                                                      | 49.5                  |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 49.5                  |
| Subtotal of Jharkhand             | Subtotal of Jharkhand                                                  | 49.5                  |
| Karnataka                         | Karnataka                                                              | Karnataka             |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme |
| 4                                 | Dhwani Institute for Rural Development for Rural Development           | 7.5                   |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 7.5                   |
| Subtotal of Karnataka             | Subtotal of Karnataka                                                  | 7.5                   |
| Rajasthan                         | Rajasthan                                                              | Rajasthan             |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme |
| 5                                 | Krishak Vikas Sansthan                                                 | 10                    |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 10                    |
| Subtotal of Rajasthan             | Subtotal of Rajasthan                                                  | 10                    |
| Tamil Nadu                        | Tamil Nadu                                                             | Tamil Nadu            |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme |
| 6                                 | Avvaiya Rural Development Service                                      | 25                    |
| 7                                 | Bharathi Women Devolopment Centre                                      | 75                    |
| 8                                 | Rural Education Environment Development Multipurpose Awareness Society | 42                    |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 142                   |
| Subtotal of Tamil Nadu            | Subtotal of Tamil Nadu                                                 | 142                   |
| West Bengal                       | West Bengal                                                            | West Bengal           |
| Composite Loan Scheme             | Composite Loan Scheme                                                  | Composite Loan Scheme |
| 9                                 | Badkulla Luna Silk Khadi Society                                       | 35                    |
| 10                                | Belghoria Sri Jagannath Mahila Self Help Group                         | 5                     |
| 11                                | BURS                                                                   | 25                    |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme                                      | 65                    |
| Subtotal of West Bengal           | Subtotal of West Bengal                                                | 65                    |
| Total                             | Total                                                                  | 334                   |

( ` In lakhs)

## b) For the year 2016 - 2017

| S. No.                            | Name of the NGO's                              | Loans Disbursed       |
|-----------------------------------|------------------------------------------------|-----------------------|
| West Bengal                       | West Bengal                                    | West Bengal           |
| Composite Loan Scheme             | Composite Loan Scheme                          | Composite Loan Scheme |
| 1                                 | Belghoria Sri Jagannath Mahila Self Help Group | 5                     |
| 2                                 | Seba Rahara                                    | 50                    |
| Subtotal of Composite Loan Scheme | Subtotal of Composite Loan Scheme              | 55                    |
| Subtotal of West Bengal           | Subtotal of West Bengal                        | 55                    |
| Total                             | Total                                          | 55                    |

(

` In lakhs)

*As per loan norms of RMK, Sanctioned loan is disbursed in two parts. 50% of the sanctioned loan is released immediately after sanction and execution of necessary loan documents by the NGOs. The remaining 50 % of the sanctioned loan is released after post  sanction visit and getting a satisfactory report on the utilisation of the loan disbursed.

As  the  lending  guidelines  of  RMK  were  under  revision,  no  fresh  loans  were  sanctioned  since  the financial year 2014-15.

*****