Lok Sabha Question No. 3996 (UNSTARRED), answered on 2019-01-04
Subject: Rashtriya Mahila Kosh
Ministry: WOMEN AND CHILD DEVELOPMENT
Asked by: RAJESHBHAI NARANBHAI CHUDASAMA

## GOVERNMENT OF INDIA MINISTRY OF WOMEN AND CHILD DEVELOPMENT

## LOK SABHA UNSTARRED QUESTION NO. 3996

TO BE ANSWERED ON 04.01.2019

## RASHTRIYA MAHILA KOSH

3996. SHRI RAJESHBHAI CHUDASAMA: Will the Minister of WOMEN AND CHILD DEVELOPMENT be pleased to state:
2. (a) the  details  of  the  loan  schemes  operational  under  the  Rashtriya  Mahila  Kosh  (RMK) during the last three years and the current year, State/UT-wise;
3. (b) the total number of beneficiaries enrolled under the said scheme during the said period;
4. (c) whether the Government has proposed to increase the credit limit of the loan; and
5. (d) If so, the details thereof?

## ANSWER

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

- (a) All the loan schemes of Rashtriya Mahila Kosh (RMK) are applicable in all States/UTs of the country. The details of loan schemes of RMK is placed at Annexure-I.
- (b): 5089 beneficiaries have benefitted during the said period.
- (c):      There is no such proposal to increase the credit limit of the loan.
- (d): Does not arise.

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ANNEXURE  REFERRED  TO  IN  REPLY  OF  LOK  SABHA  UNSTARRED  QUESTION  NO.  3996 REGARDING  'RASHTRIYA  MAHILA  KOSH'  FOR  04.01.2019  RAISED  BY  SHRI  RAJESHBHAI CHUDASAMA.

## Loan Schemes of RMK

## 1. Loan Promotion Scheme

This scheme is for providing loans to new and smaller organizations with experience of at least 6 months in thrift & credit. The organization can avail a maximum loan up to Rs. 10 lakhs.

## 2. Main Loan Scheme

This scheme  is  for providing  loans  to  organizations  having  minimum  3  years' experience in thrift & credit activities. The organization can avail a maximum loan upto 2 crores for 1 state. An organization can avail loan under the scheme for a maximum number of 3 states at a time. If the organization avails loan for more than 1 state, then the maximum loan amount can be upto Rs.6 crores.

## 3. Gold Credit Scheme

This scheme is for providing bulk loans to medium and large NGOs. This scheme is meant for organization which has in the past availed loan from RMK and have not defaulted in repayment. The organization can avail a maximum loan upto Rs 5 crores.

## 4. Housing Loan Scheme

This scheme is for providing loan for construction/ repair and maintenance of houses to women  who  are  members  of  Self  Help  Group/  Joint  Liability  Groups  (JLGs).  This  loan  is provided  through  IMOs/NGOs/VOs.  The  organization  can  avail  a  maximum  loan  upto  Rs 1,00,000/- per beneficiary for construction of low cost house. The organization has to mortgage the  immovable  property  created  out  of  RMK's  loan  by  deposit  of  title  deed  (i.e.  equitable mortgage). The NGO/ IMO/VO may hold the deeds in trust for RMK and details of the same be captured in RMK database. An NGO/IMO/ VO can avail a maximum loan upto Rs. 6 crores for a maximum of 3 states at a time.

## 5. Working Capital Loan (WCL) Scheme

This scheme is for providing working capital term loan to the intermediary organization for backward and forward marketing linkage of product of Women SHGs/Individuals and group entrepreneurs, namely technology transfer, education and skill up gradation. The applicant has to submit a detailed project proposal to RMK.

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