Lok Sabha Question No. 1226 (UNSTARRED), answered on 2018-02-09
Subject: Rashtriya Mahila Kosh
Ministry: WOMEN AND CHILD DEVELOPMENT
Asked by: MURALI MOHAN MAGANTI

## GOVERNMENT OF INDIA MINISTRY OF WOMEN AND CHILD DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 1226 TO BE ANSWERED ON 09.02.2018

## RASHTRIYA MAHILA KOSH

## 1226  SHRI M. MURALI MOHAN

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

- (a) the details of the schemes/loans available for Women, Girls and Child Development under Rashtriya  Mahila  Kosh  (RMK)  across  the  country  and  the  funds  allocated/disbursed thereunder/during each of the last three years and current year, State/UT-wise; and
- (b) the details of loan sanctioned to the State of Andhra Pradesh and other States/UTs under RMK during the said period, State/UT-wise?

## ANSWER

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

- (a) Rashtriya Mahila Kosh (RMK) is a society, registered under the Societies Registration Act 1860 and an apex micro-finance organization established in 1993 under the aegis of Ministry of Women & Child Development (MWCD) to meet the credit needs of poor and asset  less  women  in    the  informal  sector  for  various  livelihood  support  and  income generating activities at concessional terms in a client-friendly procedure to bring about their socio-economic development.

RMK extends micro credit to  women SHGs or individual  women (the  ultimate beneficiaries) through Intermediary Microfinancing Organizations (IMOs) /NGOs/ VOs in the country.

The details of the schemes/loans available for Women,  girls and Child Development  under  Rashtriya  Mahila  Kosh  (RMK)  across  the  country  and  the  funds disbursed these during each of the last three years and current year, State/UT-wise is at Annexure-I . State wise allocation is not made by RMK.

Besides above, the Ministry has  launched 'Mahila E-haat', a unique direct online digital marketing platform for women entrepreneurs/ SHGs/ NGOs in March 2016, under RMK,  to  showcase  their  products  and  services  and  to  meet  aspirations  and  needs  of women entrepreneurs as also providing a marketing platform by leveraging technology. It also aims at financial inclusion and economic empowerment of women.

- (b) Since  the  loan  guidelines  of  RMK  were  under  revision,  loans  could  not  be  sanctioned during the last three years. The state-wise Loan sanctioned during the current year is at Annexure-II .

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## ANNEXURE REFERRED TO IN REPLY OF LOK SABHA UNSTARRED QUESTION NO. 1226 REGARDING 'RASHTRIYA MAHILA KOSH' FOR 09.02.2018 RAISED BY SHRI M. MURALI MOHAN.

## A.   Details of Loan schemes of Rashtriya Mahila Kosh (RMK)

- i) Loan Promotion Scheme: RMK provides smaller loan, maximum up to Rs.10  lakh, to promote the  activity  of  thrift  and  credit  among  new  and  smaller  but  potentially  capable  organisations having  at-least six months  experience  information  of  SHGs,  thrift,  credit and  recovery management.
2. ii) Main Loan scheme: IMOs having minimum 3 years' experience in thrift and credit activities are considered under the scheme for loan up to Rs. 200 lakh per state and a maximum of Rs. 600 Lakhs for multistate operations.
3. iii) 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 Rs 500 lakh.
4. iv)  Housing  Loan  scheme:  Through  its  partner  organizations,  RMK  provides  loans  up  to  a rnaximum  Rs. 1,00,000/- per beneficiary to SHG members for construction of low cost house and repairs.
5. 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  Rs  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 Rs 2 crore per State per IMO.
- B.     The details of loan disbursed during each of the last three years and current year, State/UTwise .

2014-15

## (Amount  Rs. In lakh)

| State       |   Amount Disbursed |
|-------------|--------------------|
| Bihar       |               25   |
| J&K         |               35   |
| Jharkhand   |               49.5 |
| Karnataka   |                7.5 |
| Rajasthan   |               10   |
| Tamil Nadu  |              142   |
| West Bengal |               65   |
| TOTAL       |              334   |

2015-16 - Nil

## 2016-17

(Amount  Rs. In lakh)

| State       | Amount Disbursed   |
|-------------|--------------------|
| West Bengal | 55.00              |
|             | -                  |
| TOTAL       | 55.00              |

2017-18 Till (31/01/2018)

(Amount  Rs. In lakh)

| State           |   Amount Disbursed |
|-----------------|--------------------|
| 1.Rajasthan     |               19   |
| 2.Uttar Pradesh |               12.5 |
| TOTAL           |               31.5 |

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ANNEXURE REFERRED TO IN REPLY OF LOK SABHA UNSTARRED QUESTION NO. 1226 REGARDING 'RASHTRIYA MAHILA KOSH' FOR 09.02.2018 RAISED BY SHRI M. MURALI MOHAN.

The details of loan sanctioned to the State of Andhra Pradesh and the State/UTs by RMK is as under:

- i. Since  the  loan  guidelines  of  RMK  were  under  revision,  loan  could  not  be  sanctioned during the last three years to any State/UTs including Andhra Pradesh.
2. ii Details of loan sanctioned in the current year is given hereunder:

2017-18 Till (31.01.2018)             (Amount  Rs. In lakh)

| State             |   Amount Sanctioned |
|-------------------|---------------------|
| 1. Assam          |                  50 |
| 2. Jharkhand      |                  18 |
| 3. Madhya Pradesh |                  30 |
| 4.Maharashtra     |                  20 |
| 5.Rajasthan       |                  53 |
| 6.Uttar Pradesh   |                  65 |
| 7. Uttarakhand    |                  18 |
| 8. West Bengal    |                 154 |
| TOTAL             |                 408 |

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