Lok Sabha Question No. 308 (UNSTARRED), answered on 2021-07-20
Subject: Women Self Help Group
Ministry: RURAL DEVELOPMENT
Asked by: Hemant Tukaram Godse

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

## LOK  SABHA UNSTARRED QUESTION NO. 308

ANSWERED ON 20/07/2021

## WOMEN SELF HELP GROUP

308. SHRI HEMANT TUKARAM GODSE:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the number of women Self Help Groups (SHGs) established as part of Deen Dayal Antyodaya Yojana - National Rural Livelihood Mission (DAY-NRLM) schemes alongwith the main source of funding/revenue for these SHGs;
- (b) whether there has been a positive impact on the socio-economic condition of women since the implementation of this programme; and
- (c) if so, the details thereof?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (SADHVI NIRANJAN JYOTI)

- (a) Till 30 th June, 2021, approximately 69.60 lakh women Self Help Groups (SHGs) have been formed under Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAYNRLM). DAY-NRLM provides  Revolving  Funds  (RF)  at  the  rate  of  Rs.10,000-15,000  per SHG and Community Investment Support Fund (CISF) to the extent of Rs.2,50,000 per SHG as  grants  to  all  eligible  SHGs  to  support  their  income  generating  and  livelihoods  activities. Apart from this DAY-NRLM also facilitates credit mobilisation for SHGs in the form of bank loans.  In  order  to  reduce  the  effective  cost  of  bank  credit  to  women  SHGs,  DAY-NRLM provides interest subvention to SHGs on loans from banks from Financial Year 2013-14. All women  SHGs  whose  members  are  from  the  DAY-NRLM  target  group,  are  eligible  for receiving interest subvention equal to the difference between the borrowing rate of interest and 7% for a loan outstanding up to Rs.3.00 lakh. In addition, in respect of 250 backward districts, all women SHGs can avail loans up to Rs.3.00 lakh each at 7% rate of interest per annum, with an additional interest subvention of 3% on prompt repayment, reducing the effective interest rate to 4%.
- (b)  &  (c)  An  independent  assessment  of  DAY-NRLM  was  carried  out  by  Institute  of  Rural Management Anand (IRMA) in January - March, 2017 which has come out with the following findings:
- i. The programme has helped to enhance the productive assets of the target groups.
- ii. It has also developed saving habit amongst the beneficiaries and increased their capacity to avail higher loans.
- iii. The household income of the target group has shown a 22% increase due to income from enterprises.

A study was also conducted in 2019 to assess overall impact of DAY-NRLM by the International Initiative  for  Impact  Evaluation  (3ie)  with  the  support  of  the  World  Bank. The  evaluation indicates that an additional exposure to the Mission for 2.5 years led to:

- i. Increase in income by 19% over the base amount.
- ii. Decline in share of informal loans by 20%.
- iii. Increase in savings by 28%.
- iv. Improved  labour force participation -proportion of females reporting secondary Occupation is higher (4%) in treatment areas.
- v. Improved access to other Schemes - Significant increase in number of social  schemes availed by treatment households (6.5% higher over the base value of 2.8 schemes.

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