Lok Sabha Question No. 3429 (UNSTARRED), answered on 2021-03-16
Subject: Implementation of NRLM
Ministry: RURAL DEVELOPMENT
Asked by: Imtiaz Jaleel Syed, Asaduddin Owaisi

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

## LOK  SABHA UNSTARRED QUESTION NO. 3429 ANSWERED ON 16.03.2021

## IMPLEMENTATION OF NRLM

## 3429.   SHRI SYED IMTIAZ JALEEL: SHRI ASADUDDIN OWAISI:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) whether the National Rural Livelihood Mission (NRLM) was launched in 2011 with the aim to improve household income of the rural people and if so, the details thereof;
- (b) the achievement made under the scheme so far;
- (c) the outstanding loan till March, 2021 and proportion of NPA;
- (d) the further steps taken by the Government to help the rural poor and to instruct the banks to provide loans under the scheme; and
- (e) the NPA reported by banks on loans provided to Self Help Groups under the Mission during 2019-20 as compared to 2018-19?

## ANSWER

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

- (a) Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) is being implemented since 2011 in a mission mode with the objective of organizing the rural poor women into Self Help Groups (SHGs), and continuously nurturing and supporting them to take economic activities till they attain appreciable increase in income over a period of time to improve their quality of life and come out of abject poverty. The programme aims to ensure that at least one woman member from each rural poor household (about 9 crore) is brought into women SHGs and their federations within a definite time frame.
- (b) As on 31 st January  2021,  DAY-NRLM is  being  implemented  in  6360  blocks  of  691 districts across all States and Union Territories (except Delhi and Chandigarh). A total of 7.35 crore  rural  households  have  been  mobilised  into  66.65  lakh  Self  Help  Groups  (SHGs)  and further  federated  into  3.87  lakh  Village  Organisations  (VOs)  and  33,587  Cluster  Level Federations (CLFs). A total of Rs.12,595.88 crore of capitalisation support(Revolving Funds and Community Investment Funds) has been provided to SHGs and theirfederations towards extending  the  credit  to  SHG  Members.Since  2013-14  women  SHGs  have  cumulatively leveraged a credit of Rs.3.56 Lakh Crores from banks to take up income generating activities.

The Mission has also achieved significant success in improving the last mile delivery of credit services through the agency of SHGs. 21790 SHG members have been deployed as Business Correspondent Agents (BCAs) also known as BC Sakhi to provide last mile financial services including  deposit,  credit,  remittance,  disbursement  of  pensions  &  scholarships,  payment  of MGNREGA wages and enrolment under insurance & pension schemes.

This Ministry is also implementing the Start-up Village Entrepreneurship Programme (SVEP), as  a  sub-scheme  under  Deendayal  Antyodaya  Yojana  -National  Rural  Livelihoods  Mission (DAY-NRLM).  The  objective  of  the  scheme  is  to  help  the  rural  poor  SHGs  to  set-up enterprises at the village level in non-agricultural sectors. Besides providing start-up capital, a cadre  of  Community Resource Persons-Enterprise Promotion (CRP-EP) is set up to provide business  support  services  to  enterprises.  As  on  31 st January,  2021,  182  projects  have  been approved across 29 States/UTs in the country. Enterprise formation has started in 137 blocks and 1,34,229 enterprises have been formed so far.

Aajeevika Grameen Express Yojana (AGEY) was launched in August 2017 as a sub-component of DAY-NRLM to provide safe, affordable and community monitored rural transport services to connect  remote  rural  villages.  As  on  31 st January,  2021,  26  States  are  implementing  the programme covering 191 districts and 1,604 vehicles are operational in 357 blocks.

In addition, this Ministry is implementing Mahila Kisan Sashaktikaran Pariyojana (MKSP) as a sub-component of DAY-NRLM to empower women in agriculture. Under MKSP, the work is  carried  out  in  two  domains-  sustainable  agriculture  and  Non-Timber  Forest  Produces (NTFP)  activities.  The  livestock  intervention  is  being  implemented  as  a  universal  strategic intervention  across  both  the  domains.  As  on31 st January  2021,  a  total  of  1.11crore  Mahila Kisans have been supported under DAY-NRLM out of which MKSP has covered 38.29 lakh Mahila Kisans. About 11.50 lakh Mahila Kisans have been mobilized into 1.04 Lakh Producer Groups (PGs).

DAY-NRLM has made significant efforts on creating value chain development interventions to  enhance  market  linkages.  The  idea  is  to  develop  a  complete  business  model  to  provide primary producers with end-to-end solutions from creating producer organizations to building marketing linkages.

(c) Loan outstanding is calculated as on end of each month. Based on reports submitted by banks till 10 th March, 2021, the loan outstanding with SHGs is Rs.1,17,416.28 Crore.

(d) To facilitate loans from banks to women SHGs, the following steps are taken by this Ministry under DAY-NRLM :

(i) Ministry  of  Rural  Development  (MoRD)  engages  with  Reserve  Bank  of  India  and National Bank for Agriculture and Rural Development (NABARD) for issue of Master circular for DAY-NRLM every year. This master circular provides the detailed guidelines to banks for providing credit to women SHGs under DAY-NRLM

(ii) Allocation of SHG credit linkage targets to all states and banks.

(iii) Meetings  /  workshops  with  all  states  and  senior  officials  of  banks  to  review  credit linkage of SHGs and resolve field level challenges.

(iv) Extending  support  for  preparation  of  SHG  loan  application  through  Bank  Sakhis. Provision for online submission of loan application by SHGs has also been implemented.

(v) Sensitization cum Training of officials of Rural Bank Branches on SHG bank linkage.

(e) As  on  31 st March  2020,  the  NPA  at  national  level  on  loans  to  Self  Help  Groups  was 2.38% whereas NPA on 31 st March, 2019 was 2.17%.   Non Performing Asset (NPA) as on 28 th February, 2021 has come down to 1.92%.

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