Lok Sabha Question No. 4622 (UNSTARRED), answered on 2019-07-22
Subject: Credit Facilities to SHGs
Ministry: FINANCE
Asked by: A. Chellakumar

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 4622

ANSWERED ON THE 22 ND JULY, 2019 / ASHADHA 31, 1941 (SAKA)

## CREDIT FACILITIES TO SHGs

4622. DR. A. CHALLAKUMAR:

Will the Minister of FINANCE be pleased to state:

- (a) the criteria laid down by the Government for availing credit facility by Self Help Groups (SHGs) in the country;
- (b) whether the Government has any details of the registered SHGs who are receiving credit facility from banks under livelihood programme;
- (c) if so, the details thereof during each of the last three years and the current-year, Statewise including Tamil Nadu;
- (d) whether the Government has any plan of credit linkage to rural poor through Kisan Credit Cards; and
- (e) if so, the details thereof?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI ANURAG SINGH THAKUR)

- (a) The eligibility criteria for accessing credit facility by Self Help Groups (SHG) from banks as per extant Reserve Bank of India (RBI) guidelines, inter alia, include the SHG being in active existence at least since the last 6 months as per the books of account of SHGs and not from the date of opening of savings account, it should be following the ' Panchasutras' i.e. regular meetings, regular savings, regular inter-loaning, timely repayment, and up-to-date books of accounts, it is qualified as per grading norms fixed by National Bank for Agriculture and Rural Development etc.
- (b) & (c) State wise details of SHGs accesing credit facility across the country, including in the state of Tamil Nadu under Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY - NRLM) and Deendayal Antyodaya YojanaNational Urban Livelihoods Misssion (DAY-NULM) for the Financial Years 2016-17, 2017-18, 2018-19 and current year are placed at Annexure-I and Annexure-II respectively.
- (d) & (e) Kisan Credit Card (KCC) scheme enables farmers to meet short term credit requirements for cultivation of crops, post harvest expenses, produce marketing loan, consumption expenditure, working capital for maintenance of farm assets, etc. The scheme is implemented by Commercial Banks, Regional Rural Banks (RRBs) and Cooperative Banks. The issue of ATM enabled RuPay Debit Card has subsequently been included as an additional feature of KCC. Over 6.8 crore KCCs are currently operational/live.

## Annexure-I referred to in Lok Sabha Unstarred Question No. 4622 for answer on 22.07.2019

## Number of SHGs under Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) Bank Linkage

| S.No.   | States            |   FY 2016-17 |   FY 2017-18 |   FY 2018-19 |   FY 2019-20 (till May 2019) |
|---------|-------------------|--------------|--------------|--------------|------------------------------|
| 1       | ANDHRA PRADESH    |       340377 |       573276 |       622816 |                       101173 |
| 2       | ARUNACHAL PRADESH |           37 |           33 |           21 |                            3 |
| 3       | ASSAM             |        14401 |        17933 |        19793 |                         2184 |
| 4       | BIHAR             |       128494 |       347575 |       401113 |                        64772 |
| 5       | CHATTISGARH       |        23417 |        30061 |        44616 |                         6225 |
| 6       | GOA               |          382 |          508 |          758 |                          107 |
| 7       | GUJARAT           |        15796 |        32452 |        28001 |                         2299 |
| 8       | HARYANA           |         2094 |         6175 |         6159 |                         1761 |
| 9       | HIMACHAL PRADESH  |         1810 |         4407 |         4505 |                          588 |
| 10      | JAMMU & KASHMIR   |         3396 |         5280 |         7538 |                         1233 |
| 11      | JHARKHAND         |        12206 |        37660 |        46584 |                        11278 |
| 12      | KARNATAKA         |       207052 |       386117 |       488277 |                       297998 |
| 13      | KERALA            |        71910 |        82451 |        87225 |                         6709 |
| 14      | MADHYA PRADESH    |        14165 |        36437 |        36052 |                         4719 |
| 15      | MAHARASHTRA       |        63732 |        73342 |        92816 |                        12293 |
| 16      | MANIPUR           |           53 |          181 |          403 |                           20 |
| 17      | MEGHALAYA         |           65 |          452 |         1742 |                          319 |
| 18      | MIZORAM           |            1 |          142 |         1005 |                           51 |
| 19      | NAGALAND          |           75 |           83 |          757 |                          143 |
| 20      | ODISHA            |        64265 |       117862 |       163004 |                        58264 |
| 21      | PUNJAB            |          446 |         3365 |         3535 |                          213 |
| 22      | RAJASTHAN         |        27384 |        34578 |        42180 |                         7427 |
| 23      | SIKKIM            |          181 |          732 |         1190 |                          123 |
| 24      | TAMIL NADU        |       145036 |       141009 |       144345 |                        16863 |
| 25      | TELANGANA         |       215107 |       332967 |       336212 |                        23974 |
| 26      | TRIPURA           |          102 |          823 |         4147 |                          558 |
| 28      | UTTARAKHAND       |         1140 |         2020 |         3167 |                          404 |
| 27      | UTTAR PRADESH     |        10587 |        25120 |        23497 |                         3919 |
| 29      | WEST BENGAL       |       233557 |       379396 |       475047 |                       132388 |
|         | Total             |      1597268 |      2672437 |      3086505 |                       758008 |

Source: As per data provided by Ministry of Rural Development.

## Annexure-II referred to in Lok Sabha Unstarred Question No. 4622 for answer on 22.07.2019

Number of SHGs under Deendayal Antyodaya Yojana- National Urban Livelihoods Mission (DAY-NULM) Bank Linkage

| S.No.   | States/UTs        |   FY 2016-17 |   FY 2017-18 |   FY 2018-19 |   FY 2019-20 (as on 18.06.2019) |
|---------|-------------------|--------------|--------------|--------------|---------------------------------|
| 1       | Andhra Pradesh    |        63538 |        67918 |        48285 |                             338 |
| 2       | Arunachal Pradesh |            0 |            0 |            1 |                               0 |
| 3       | Assam             |           63 |          366 |          458 |                              29 |
| 4       | Bihar             |          238 |          103 |          209 |                              21 |
| 5       | Chhattisgarh      |         1440 |         1867 |         1820 |                              84 |
| 6       | Goa               |            0 |            0 |            0 |                               0 |
| 7       | Gujarat           |           49 |         1071 |         1857 |                             108 |
| 8       | Haryana           |          113 |            0 |           93 |                               3 |
| 9       | Himachal Pradesh  |           46 |          104 |          137 |                              10 |
| 10      | Jammu & Kashmir   |           72 |           22 |            0 |                               0 |
| 11      | Jharkhand         |           51 |          271 |          256 |                              12 |
| 12      | Karnataka         |         1234 |         2666 |          153 |                              15 |
| 13      | Kerala            |         4774 |         5972 |         6375 |                             128 |
| 14      | Madhya Pradesh    |         1610 |         3315 |         2930 |                              68 |
| 15      | Maharashtra       |         1195 |         2919 |         7771 |                             395 |
| 16      | Manipur           |           70 |          122 |           17 |                               0 |
| 17      | Meghalaya         |            0 |            0 |            1 |                               0 |
| 18      | Mizoram           |           21 |           18 |           23 |                               0 |
| 19      | Nagaland          |           21 |            0 |            0 |                               0 |
| 20      | Odisha            |          406 |         1924 |         2371 |                              51 |
| 21      | Punjab            |            1 |            2 |            1 |                               0 |
| 22      | Rajasthan         |          198 |           64 |          773 |                             100 |
| 23      | Sikkim            |            0 |            0 |            0 |                               0 |
| 24      | Tamil Nadu        |        63775 |         4729 |         8417 |                             354 |
| 25      | Telangana         |        29836 |        25661 |        21449 |                            1691 |
| 26      | Tripura           |            0 |        12240 |           17 |                               5 |
| 27      | Uttar Pradesh     |          106 |         1273 |         1220 |                              42 |
| 28      | Uttarakhand       |            2 |            4 |            8 |                               6 |
| 29      | West Bengal       |         1747 |         3518 |         6178 |                             410 |
| 30      | A & N Islands     |            0 |            0 |            0 |                               0 |
| 31      | Chandigarh        |            4 |            8 |            0 |                               0 |
| 32      | D & N Haveli      |            0 |            0 |            0 |                               0 |
| 33      | Daman & Diu       |            0 |            0 |            0 |                               0 |
| 34      | Delhi             |            0 |            0 |            0 |                               0 |
| 35      | Puducherry        |            0 |            0 |           43 |                               0 |
|         | Total             |       170610 |       136157 |       110863 |                            3870 |

Source: As per data provided by Ministry of Housing and Urban Affairs.