Lok Sabha Question No. 4901 (UNSTARRED), answered on 2019-07-23
Subject: Loans under SGSY
Ministry: RURAL DEVELOPMENT
Asked by: Rekha Arun Verma, Sanjay Haribhau Jadhav

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 4901 TO BE ANSWERED ON 23.07.2019

## LOANS UNDER SGSY

4901.  SHRIMATI  REKHA VERMA: SHRI SANJAY HARIBHAU JADHAV:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) whether  the  Government  has  conducted  any  study  regarding  the  role  of  bank  officers under Swarna Jayanti Gram Swarojgar Yojana (SGSY);
- (b) if so, the details thereof;
- (c) whether  people  are  not  provided  loan  as  per  their  requirements  under  SGSY  due  to apathy of Bank officers and if so, the details thereof;
- (d) whether any efforts have been made to revise/bring changes in the said scheme to ensure its success; and
- (e) if so, the details and the outcome thereof, State-wise?

## ANSWER

## MINISTER OF RURAL DEVELOPMENT (SHRI NARENDRA SINGH TOMAR)

- (a): The  Radhakrishna  Committee  was  set  up  by  the  Ministry  of  Rural  Development  to examine the credit related issues under SGSY and bringing out the deficiencies in the delivery system.
- (b): Some of the major findings of the study are as follows :
-  Delay in sanctioning of loans, non-cooperation of the banks and lack of proper guidance were creating problems
-  There was lack of coordination between bank branches and block officials
-  No effective monitoring was being made after sanctioning loans

(c): The Radhakrishna Committee noted that the overall credit achievement under SGSY was very  low  and  that  there  were  persistent  gaps  between  credit  targets  set  and  the  actual mobilization of credit.

The report also states that this is partly due to failure to strengthen the demand side of the credit by improving the capacity of the poor to absorb credit for income generating activities and also due to supply side failures. The report notes that the financial services did not have the systems and procedures suited to the poor. In addition, the credit flow was severely handicapped due to the low number of bank branches and manpower.

(d): The Swarnjayanti Gram Swarozgar Yojana (SGSY) was started in 1999 and restructured in FY  2010-11 as the National Rural Livelihoods Mission (Aajeevika) based on the recommendation  of  Radhakrishna  Committee  and  was  formally  launched  on  3rd  June,  2011. After  a  transition  period  of  two  years,  SGSY  has  ceased  to  exist  with  effect  from  1.4.2013. National  Rural  Livelihoods  Mission  (NRLM),  now  known  as  DAY-NRLM,  aims to  cover  all rural poor families in a phased manner by 2023-24. The programme aims at building strong and sustainable grass roots institutions of rural poor women and enabling them to access resources and  knowledge  for  gainful  self-employment  and  skilled  wage  employment  opportunities  and thereby achieve appreciable improvement in their incomes on a sustainable basis.

(e): The State-wise details of financial assistance provided under NRLM since inception is annexed at Annexure-1 and credit disbursed to SHG Members is annexed at Annexure -2.

## Annexure-1 referred to in reply to Part (e) of Lok Sabha Unstarred Question No. 4901 due for reply on 23.07.2019

| Sl No   | State               |   No. of SHG |   No. of SHG received Revolving Fund(RF) |   RF Amount (Rs. in lakh) |   No. of SHG received Community Investment Fund (CIF) |   CIF Amount (Rs. in lakh) |
|---------|---------------------|--------------|------------------------------------------|---------------------------|-------------------------------------------------------|----------------------------|
| 1       | Andhra Pradesh      |       692845 |                                        0 |                      0    |                                                     0 |                       0    |
| 2       | Assam               |       238503 |                                   125776 |                  18997    |                                                 51543 |                   28661.8  |
| 3       | Bihar               |       849842 |                                   427616 |                  63985.8  |                                                302586 |                   81803.2  |
| 4       | Chhatisgarh         |       136490 |                                    61993 |                   9277.64 |                                                 29507 |                   18078.6  |
| 5       | Gujarat             |       242766 |                                   190585 |                  14279.7  |                                                 23087 |                   10903.2  |
| 6       | Jharkhand           |       205944 |                                    83054 |                  12420.9  |                                                 39435 |                   21491.1  |
| 7       | Karnataka           |       118651 |                                     9864 |                   1461.25 |                                                 15100 |                   13908    |
| 8       | Kerala              |       223727 |                                     6132 |                    881.5  |                                                  1981 |                     918.2  |
| 9       | Madhya Pradesh      |       262528 |                                   105702 |                  13559.3  |                                                 50333 |                   32230.3  |
| 10      | Maharashtra         |       318286 |                                   137318 |                  20344.1  |                                                 32948 |                   19174.8  |
| 11      | Odisha              |       261984 |                                   100060 |                  13482.6  |                                                109187 |                   57491.1  |
| 12      | Rajasthan           |       118064 |                                    38860 |                   5811.96 |                                                 25426 |                   22153.4  |
| 13      | Tamil Nadu          |       309769 |                                    46786 |                   6621.25 |                                                 55657 |                   25391.3  |
| 14      | Telangana           |       408621 |                                        0 |                      0    |                                                     0 |                       0    |
| 15      | Uttar Pradesh       |       179905 |                                   106829 |                  15942.8  |                                                 60956 |                   62783    |
| 16      | West Bengal         |       689780 |                                   240637 |                  33245.7  |                                                 89730 |                   37312.1  |
| 17      | Haryana             |        27194 |                                    16370 |                   1751.91 |                                                  7051 |                    4535.66 |
| 18      | Himachal Pradesh    |         8648 |                                     4746 |                    634.61 |                                                   380 |                     231.97 |
| 19      | Jammu& Kashmir      |        38413 |                                    28063 |                   4209.04 |                                                 22610 |                    9043.75 |
| 20      | Punjab              |        10142 |                                     5746 |                    707.47 |                                                  2271 |                    1140.08 |
| 21      | Uttarakhand         |        22473 |                                    15757 |                   1615.96 |                                                  4802 |                    3101.84 |
| 22      | Arunachal           |         2318 |                                     1641 |                    245.85 |                                                    38 |                      19.19 |
| 23      | Manipur             |         1730 |                                      669 |                    100.35 |                                                   264 |                     294.83 |
| 24      | Meghalaya           |        10296 |                                     5479 |                    818.07 |                                                  1678 |                    2377.19 |
| 25      | Mizoram             |         4625 |                                     4098 |                    614.3  |                                                  1987 |                    1811.01 |
| 26      | Nagaland            |         1806 |                                     4134 |                    620.05 |                                                  1304 |                     680.69 |
| 27      | Sikim               |         6927 |                                     1531 |                    229.88 |                                                  1112 |                     617.73 |
| 28      | Tripura             |         8875 |                                     6743 |                    816.8  |                                                  2839 |                    4267.71 |
| 29      | Andaman             |          662 |                                      322 |                     48.3  |                                                    61 |                      30.5  |
| 30      | Dadra &Nagar Haveli |          305 |                                       21 |                      2.1  |                                                     0 |                       0    |
| 31      | Daman &DIU          |          170 |                                       83 |                     12.45 |                                                     0 |                       0    |
| 32      | Goa                 |         2617 |                                     1351 |                    163.91 |                                                     0 |                       0    |
| 33      | Lakshadweep         |          164 |                                      138 |                     20.7  |                                                     0 |                       0    |
| 34      | Puducherry          |         2536 |                                      704 |                    106    |                                                  1312 |                     659.32 |
|         | Total:              |      5407606 |                                  1778808 |                 243029    |                                                935185 |                  461112    |

## Credit disbursed to SHG Members

(Rs. in crore)

| S.No   | States &UTs                     |   Total Loan Amount |
|--------|---------------------------------|---------------------|
| 1      | ANDHRA PRADESH                  |            70474.1  |
| 2      | ARUNACHAL PRADESH               |                2.45 |
| 3      | ASSAM                           |              758.52 |
| 4      | BIHAR                           |             8189.38 |
| 5      | CHATTISGARH                     |             1312.8  |
| 6      | GOA                             |               88.59 |
| 7      | GUJARAT                         |             1077.67 |
| 8      | HARYANA                         |              186.76 |
| 9      | HIMACHAL PRADESH                |              234.06 |
| 10     | JAMMU &KASHMIR                  |              259.05 |
| 11     | JHARKHAND                       |              729.89 |
| 12     | KARNATAKA                       |            36701.7  |
| 13     | KERALA                          |            12239.4  |
| 14     | MADHYA PRADESH                  |             1232.15 |
| 15     | MAHARASHTRA                     |             5705.05 |
| 16     | MANIPUR                         |                8.27 |
| 17     | MEGHALAYA                       |               17.59 |
| 18     | MIZORAM                         |               16.63 |
| 19     | NAGALAND                        |               32.5  |
| 20     | ODISHA                          |             5678.8  |
| 21     | PUNJAB                          |               70.23 |
| 22     | RAJASTHAN                       |             1525.63 |
| 23     | SIKKIM                          |               23.54 |
| 24     | TAMIL NADU                      |            25910.6  |
| 25     | TELANGANA                       |            34962.3  |
| 26     | TRIPURA                         |               47.91 |
| 28     | UTTARAKHAND                     |               68.96 |
| 27     | UTTAR PRADESH                   |              677.23 |
| 29     | WEST BENGAL                     |            19434.5  |
| 30     | All UNION TERRITORRIES(UTs)     |             3874.63 |
|        | All India Total (Including UTs) |           231541    |