Lok Sabha Question No. 299 (STARRED), answered on 2021-03-16
Subject: Implementation of DAY-NRLM
Ministry: RURAL DEVELOPMENT
Asked by: Sujay Radhakrishna Vikhepatil, Sambhajirao Mane Dhairyasheel

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

## LOK  SABHA

## STARRED QUESTION NO. 299 ANSWERED ON 16.03.2021

## IMPLEMENTATION OF DAY-NRLM

- *299.   DR. SUJAY RADHAKRISHNA VIKHE PATIL: SHRI DHAIRYASHEEL SAMBHAJIRAO MANE:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the number and details of households covered under the Deen Dayal Antyodaya Yojana National Rural Livelihood Mission (DAY-NRLM) during the last three years;
- (b) the number and details of people who have been mobilized into Self Help Groups (SHGs) under DAYNRLM during the above period;
- (c) the details and percentage of women mobilizedinto SHGs under DAY-NRLM during the said period;
- (d) the details of finance accessed by such SHGs during the above period; and
- (e) whether there have been cases of loan denial for SHGs during the above period and if so, the details thereof?

## ANSWER

MINISTER OF RURAL DEVELOPMENT (SHRI NARENDRA SINGH TOMAR)

- (a) to (e):- A statement is laid on the table of the House.

## Statement referred in reply to parts (a) to (e) of the Lok Sabha Starred Question No. 299 for answer on 16.03.2021

(a)to(c):    The  Government  is  implementing  Deendayal  Antyodaya  Yojana  -  National  Rural Livelihoods Mission (DAY - NRLM) across the country in a mission mode with the objective of organizing the rural poor women into Self Help Groups (SHGs), and continuously nurturing and supporting  them  till  they  attain  appreciable  increase  in  incomes  over  a  period  of  time  and improve their quality of life and come out of abject poverty. The programme  intends to reach out  to  about  8-10  crore  households  in  a  phased  manner.  As  of  January,  2021,  the  Mission  is being implemented in 6,360 blocks in 691 districts across all 28 States and 7 Union Territories (UTs). Cumulatively, 7.35 crore women have been mobilized into more than 66.65 lakh SHGs. Further,  the  SHGs  have  been  federated  into  3.86  lakh  village  level  federations  and  more  than 33,587  Cluster  Level  Federations.  Cumulatively,  these  community  institutions  have  been provided more than Rs. 12595.88 crore as capitalization support.

The State Missions under DAY-NRLM finalize the number of households to be mobilized into SHGs on the basis of Socio Economic Caste Census (SECC) data and through the process of Participatory Identification of Poor. Of the total 7.35 crore households mobilized so far, 3.07 crore households (42%) have been mobilized in the last 3 years (2017-18 to 2019-20). The yearwise achievement of DAY-NRLM against the annual targets is furnished below-

## Mobilisation of Women (Household) into SHGs

(in lakh)

| Year                       |   Target |   Achievement | %Achievement   |
|----------------------------|----------|---------------|----------------|
| 2017-18                    |    68.12 |         90.41 | 132%           |
| 2018-19                    |   105.32 |        109.59 | 104%           |
| 2019-20                    |    93.66 |        107.16 | 114%           |
| 2020-21 (up to Jan., 2021) |    76.36 |         48.45 | 63%            |

(d)to(e):   The Bank credit accessed by women SHGs under DAY-NRLM during the last three years and current year is given below:

| Year                     |   Number of women SHGs credit linked (in lakh) | Amount of credit mobilised (Rs. in crore)   |
|--------------------------|------------------------------------------------|---------------------------------------------|
| 2017-18                  |                                          27.29 | 44,168.74                                   |
| 2018-19                  |                                          31.17 | 60631.37                                    |
| 2019-20                  |                                          34.08 | 70267.53                                    |
| 2020-21(till Jan., 2021) |                                          38.06 | 61474.58                                    |

There  may  be  instances  of  denial  of  loans  to  women  SHGs  under  DAY-NRLM  by  Banks. However, such information across various bank branches are not maintained centrally by the Ministry.

To facilitate loans from banks to women SHGs, the following steps have been 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 DAYNRLM
- (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.
- (vi) Discussion of the credit coverage of the SHGs in the meetings of the State Level Bankers' Committees and the Central Level Bankers' Committee.

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