Lok Sabha Question No. 3224 (UNSTARRED), answered on 2020-03-13
Subject: Rashtriya Mahila Kosh
Ministry: WOMEN AND CHILD DEVELOPMENT
Asked by: Sadashiv Kisan Lokhande, Bharti Pravin Pawar, Vijay Baghel, Arun Sao

## GOVERNMENT OF INDIA MINISTRY OF WOMEN AND CHILD DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 3224

TO BE ANSWERED ON 13.03.2020

## RASHTRIYA MAHILA KOSH

3224.  SHRI SADASHIV KISAN LOKHANDE: DR. BHARATI PRAVIN PAWAR: SHRI VIJAY BAGHEL: SHRI ARUN SAO:

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

- (a) the  details  of  the  loan  schemes  being  implemented  in  the  States/UTs  under Rashtriya Mahila  Kosh(RMK)  along with the funds allocated, sanctioned, released  and  utilized during the last three  years,  State/UT-wise  including Mahrashtra and Chhattisgarh;
- (b) the details of the work envisaged to be carried out through the said kosh along with the beneficiaries registered under these schemes during the said period;
- (c) whether  the  Government  proposes  to  increase  the  credit  limit  of  the  loan provided under RMK and if so, the details thereof;
- (d) whether  the  Government  has  taken  note  of  fake  NGOs  or  non-existent  NGOs receiving funds under RMK during the said period and if so, the details thereof along with the action taken by the Government in this regard, State/UT-wise;
- (e) the  role  played  by  the  RMK  in  facilitating  the  socio-economic  empowerment of women; and
- (f) the steps taken by the Government for the effective implementation of the said scheme?

## ANSWER

## MINISTER OF WOMEN AND CHILD DEVELOPMENT (SHRIMATI SMRITI ZUBIN IRANI)

- (a)    The  details  of  the  loan  schemes  being  implemented  in  the  States/UTs  under Rashtriya Mahila Kosh(RMK) are as under:
- (i)  Loan promotion scheme
- (ii)  Main Loan Scheme
- (iii)  Gold Credit Scheme
- (iv)  Housing Loan Scheme
- (v) Working Capital Term Loan

The funds sanctioned and disbursed by RMK as concessional micro finance loans to poor women through Intermediary Organizations (IMOs) during the last three years, State/UT-wise including Maharashtra and Chhattisgarh is attached at Annexure l.

- (b) RMK extends concessional micro finance loans to poor women through IMOs for  livelihood  activities,  housing,  micro-enterprises  and  family  needs  to  bring  about socio-economic upliftment of the women.

During  the  said  period  i.e.  last  three  years  these  concessional  micro-finance loans  were  utilized  by  poor  women  for  starting  small  business  and  /  or  undertaking agriculture and allied activities. The loan benefited 5924 poor women during the said period i.e. last three years.

- (c) There is no such proposal under consideration of the Government.
- (d) During  the  last  three  years  no  instance  of  fake  NGOs  or  non-existent  NGOs receiving funds from RMK, has been reported. However, This Ministry has  requested the Comptroller and Auditor General of India  to conduct audit of all partner IMOs of Rashtriya Mahila Kosh, which have been sanctioned and disbursed loans since 2014.
- (e) RMK extends micro-finance to poor women through IMOs in a client-friendly, without-collateral  and  hassle-free  manner  for  livelihood  activities,  housing,  microenterprises  and  family  needs  to  bring  about  socio-economic  upliftment  of  the  poor women.
- (f) Rashtriya Mahila Kosh (RMK) has laid down norms for proper implementation of its  schemes.  There  are  Loan  Guidelines  which  provide  details  of  Schemes  /  Loan Products of RMK and monitoring mechanism.

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## Annexure -l

## Annexure  referred  to  in  reply  to  Part  (a)  of  LokSabha  Un-starred  Question  No. 3224 to be answered on 13.03.2020 regarding Rashtriya Mahila Kosh

## Sanctioned and disbursed during the last three year i.e. 01/03/2017 to 29/02/2020

| S. No.   | State Name     |   Sanctioned | Disbursed #   |
|----------|----------------|--------------|---------------|
| 1        | Andhra Pradesh |           30 | 30.00         |
| 2        | Assam          |           50 | 50.00         |
| 3        | Bihar          |           40 | 40.00         |
| 4        | Haryana        |           45 | 45.00         |
| 5        | Jharkhand      |           18 |               |
| 6        | Karnataka      |          105 | 105.00        |
| 7        | Madhya Pradesh |          180 | 150.00        |
| 8        | Maharashtra    |           75 | 75.00         |
| 9        | Odisha         |           65 | 65.00         |
| 10       | Rajasthan      |           53 | 53.00         |
| 11       | Tamil Nadu     |          235 | 225.00        |
| 12       | Uttar Pradesh  |           65 | 55.00         |
| 13       | Uttarakhand    |           58 | 58.00         |
| 14       | West Bengal    |          269 | 269.00        |
|          | Total          |         1288 | 1220.00       |

# including against sanctions of previous years.