Lok Sabha Question No. 1397 (UNSTARRED), answered on 2020-02-11
Subject: Mahila Samriddhi Yojana
Ministry: SOCIAL JUSTICE AND EMPOWERMENT
Asked by: Naba (Hira) Kumar Sarania

## GOVERNMENT OF INDIA MINISTRY OF SOCIAL JUSTICE AND EMPOWERMENT LOK SABHA

## UNSTARRED QUESTION NO. 1397

## MAHILA SAMRIDDHI YOJANA

## 1397. SHRI NABA KUMAR SARANIA:

## Will the Minister of SOCIAL JUSTICE AND EMPOWERMENT be pleased to state:

(a) the details regarding the Mahila Samriddhi Yojana:

b) the measures taken by the Government to encourage Mahila Samriddhi Yojana during the last five years:

whether the Government has been suecessful in achieving its through Mahila Samriddhi Yojana: goal

(d) the details and number of State/district-wise: and whether the women working in tea estates of Assam have benefitted under these schemes and if so. the details thereof?

## ANSWER

## MINISTER OF STATE FOR SOCIAL JUSTICE AND) EMPOWERMENT (SHRI KRISHAN PAL GURJAR)

(a) The details of Mahila Samriddhi Yojana is appended at Annexure-A

(b) The Government through National Backward Classes Finance and Development Corporation (NBCFDC) financial  assistance is actively encouraging its Channel Partners t0 cover women SHGs under NBCFDC Mahila Samriddhi Yojana so that benefit of lower rate of interest can be availed by the women SHGs. Further, the loan limit under the scheme has been increased from Rs.50.00O/- per beneficiary to Rs..O0.000/- per beneficiary & the loan limit for the SHG inereased from Rs.10.00.000/- to Rs.15.00.000/-

(c) & (d) The Corporation has suecessfully implementing Mahila Samriddhi Yojana through its channel Partners. During last five years Corporation has released Rs.602.00 crore under Mahila Samriddhi Yojana out of' total disbursement of 1989 more than 30% of' total disbursement.

Further. the Corporation has assisted 4.23.840 beneficiaries under Mahila Samriddhi Yojana out of 8.16.838 beneficiaries which is around 52% of' total beneficiaries. The state-wise  details during last five years under Mahila Samriddhi Yojana is annexed at Annexure-B

(e) As per information received from the concerned Channel Partner. n0 woman in the tea estate of Assam has been benefitted under Mahila Samriddhi Yojana of NBCFDC.

## National Backward Classes Finance & Development Corporation

(A Govt.of India Undertaking, Ministry of Social Justice & Empowerment)

## MAHILA SAMRIDDHI YOJANA

Micro Finance Scheme for women)

## Objectives

To provide Micro Finance to women entrepreneurs belonging to the target group-

## Eligibility

- a) Women belonging to Backward Classes, as notified by Central Government/State Governments from time to time\_
2. Applicant's annual family income should be less than Rs. 3.00 Lakh. 6) In a SHG 60% of members should be from Backward Classes and remaining 40% members may be from other weaker section like SC/Handicapped/Minorities etc:

## Salient Features

- 1 Maximum loan limit per SHG

Rs.15.00 Lakh

- Maximum loan limit per beneficiary

Rs.1,00,000/-

- 3 Maximum number of women in one SHG

20

## Implementation

The scheme is to be implemented by Channel Partners in rural and urban areas by way of   financing the women beneficiaries either directly or through Self-Help Groups (SHGs)

## Pattern\_of\_ Finance

- 1 NBCFDC Ioan

95%

- 2 Channel Partner/Beneficiary contribution

05%

## Rate of Interest

- 1 From NBCFDC to Channel Partner

1% p.a.

- 2 From Channel Partner to SHG/Beneficiary

4% p.a.

## Repayment

Loan is to be repaid in quarterly instalments within 4 Years (including the moratorium period of six months on the recovery of principal).

## National Backward Classes Finance Development Corporation (NBCFDC) Statement showing Amount Disbursed and No. of Beneficiaries assisted from 2014-15 to 2019-20 (till 31.01.2020) and

## under Mahila Samriddhi Yojana

Rs\_in Lakh

| S.No.   | Name of State    | 2014-15   | 2014-15   | 2015-16   | 2015-16   | 2016-17   | 2016-17   | 2017-18   | 2017-18   | 2018-19   | 2018-19   |
|---------|------------------|-----------|-----------|-----------|-----------|-----------|-----------|-----------|-----------|-----------|-----------|
| S.No.   | Name of State    | Financial | Physical  | Financial | Physical  | Financial | Physical  | Financial | Physical  | Financial | Physical  |
|         | Assam            | 900.00    | 6300      | 500.00    | 3500      | 400.00    | 3000      |           |           | 360.00    | 750       |
| 2       | Chhattisgarh     |           |           |           |           |           |           | 25.65     | 54        |           |           |
| 3       | Gujarat          | 80.00     | 800       | 150.00    | 1500      | 59.00     | 360       | 388.00    | 810       | 324.00    | 8851      |
|         | Haryana          | 7.50      | 751       | 325.00    | 1250      | 25.00     | 125       | 30.00     | 110       | 50.00     | 200       |
| 5       | Himachal Pradesh | 10.00     | 100       | 105.00    | 400       | 5,00      | 50        |           |           |           |           |
| 6       |                  | 40.00     | 4001      | 65.00     | 650       | 60.00     | 520       | 25.00     | 50        | 35.00     | 77        |
|         | Jharkhand        |           |           | 20.00     | 2001      |           |           | 52.00     | 143       |           |           |
| 8       | Karnataka        | 1,211.20  | 5500      | 1,502.50  |           |           | 11858     | 1,612.00  | 4964      |           |           |
| 9       | Kerala           | 2,160.00  | 24100     | 1,279.00  | 138601    | 2,622.00  | 19075     | 3,800.00  | 26150     | 4,325.00  |           |
| 10      | Madhya Pradesh   |           |           |           |           | 28.18     | 59        |           |           |           |           |
| 11      | Maharashtra      |           |           | 150.00    | 1500      |           |           |           |           |           |           |
| 12      | Manipur          | 600.00    | 4200      | 500.00    | 3500      | 400.00    | 3000      |           |           |           |           |
| 13      | Puducherry       |           |           | 150.00    | 1740      | 100.00    | 1000      |           |           |           |           |
| 14      | Punjab           |           |           | 100.00    | 1000      | 330.00    | 940       | 200.00    | 2200      |           |           |
| 15      | Rajasthan        |           |           |           |           |           |           | 28.50     | 60        | 100.00    | 286       |
| 16      | Sikkim           |           |           | 40.00     | 400       |           |           |           |           |           |           |
| 17      | Tamil Nadu       | 4,123.00  | 40564     | 5,622.00  | 550001    | 8,815.00  | 57632     | 5,209.00  | 35803     | 6,500.00  | 34870     |
| 18      | Tripura          | 130.00    | 1300      | 350.00    |           | 111.00    | 1050      | 496.88    | 1420      | 195.00    | 488       |
|         | Uttar Pradesh    | 100.00    | 4261      | 500.00    | 5000      | 300.00    | 1404      | 245.00    | 500       | 305.50    | 921       |
| 20      | Uttarakhand      |           |           |           |           |           |           | 8.50      | 20        | 8.50      | 22        |
| 21      | West Bengal      | 118.30    | 829       | 60.00     | 420       | 75.00     | 525       | 100.00    | 5001      | 137.50    | 550       |
|         | Total:           | 9,480.00  | 84,594    | 11,418.50 | 102,340   | 14,964.18 | 100,598   | 12,220.53 | 72,784    | 12,340.50 | 63,524    |