Lok Sabha Question No. 1097 (UNSTARRED), answered on 2022-02-08
Subject: Implementation of DAY-NRLM
Ministry: RURAL DEVELOPMENT
Asked by: Ajay Nishad

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

## LOK  SABHA UNSTARRED QUESTION NO. 1097

ANSWERED ON 08/02/2022

## IMPLEMENTATION OF DAY-NRLM

## 1097.   SHRI AJAY NISHAD:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the  salient  features  of  Deendayal  Antyodaya  Yojana  -  National  Rural  Livelihood Mission (DAY-NRLM);
- (b) the  number  of  Families  covered  and  the  number  of  persons  included  in  Self  Help Groups (SHG) under DAY-NRLM during the last three years and the details thereof, State-wise;
- (c) the details of the funds received by these Self Help Groups during the above period;
- (d) whether there is any instance of denying loans to Self Help Groups during the above period; and
- (e) if so, the details thereof?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (SHRI FAGGAN SINGH KULASTE)

(a)   Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) is an  anti-poverty  programme  of  Government  of  India  which  aims  at  organising  rural  poor women into Self Help Groups (SHGs) and facilitating them to access credit from Banks for taking up various livelihoods activities for enhancing their incomes. The programme intends to reach out to about 9-10 crore rural poor households in a phased manner. The programme is being implemented in all the States and Union Territories, except Delhi and Chandigarh. As of 31 st December,  2021,  the  Mission  is  being  implemented  in 6782  blocks  in  706  districts across all 28 States and 6 Union Territories.

The salient features of the DAY-NRLM are as follows:

- i. Promotion of Sustainable Institutions of the poor.
- ii. Ensuring access to financial services.
- iii. Promotion of diversified livelihoods opportunities for the poor, in farm and non- farm sectors.
- iv. Promotion of Skill Development and Access to Jobs.
- v. Promotion of Social Inclusion and Human Development.
6. (b)    The  State/UT-wise  details  of  the  households  covered  and  mobilised  into  SHGs  under DAY-NRLM during the last three years and current year is given at Annexure .
7. (c)   DAY-NRLM provides Revolving Fund (RF) at the rate of Rs.10,000-15,000 per SHG and Community Investment Fund (CIF) to the extent of Rs. 2,50,000 per SHG as grants to the community institutions. Apart from this DAY-NRLM also facilitates credit mobilisation for SHGs in the form of bank loans. The details of RF & CIF received and the Bank credit accessed by SHGs during the last three years and current year is given below:
8. (d) & (e) There may be instances of denial of loans to women SHGs under DAY-NRLM by Banks. However, such data is not maintained centrally.

|                                 | Revolving Fund Disbursed   | Revolving Fund Disbursed   | Community Investment Fund Disbursed   | Community Investment Fund Disbursed   | Bank credit accessed by women SHGs     | Bank credit accessed by women SHGs        |
|---------------------------------|----------------------------|----------------------------|---------------------------------------|---------------------------------------|----------------------------------------|-------------------------------------------|
| Year                            | No. of SHGs                | Amount (in lakh)           | No. of SHGs                           | Amount (in lakh)                      | Number of SHGs credit linked (in lakh) | Amount of credit mobilised (Rs. in crore) |
| 2018-19                         | 439503                     | 66705.76                   | 213461                                | 138599.03                             | 31.17                                  | 60631.37                                  |
| 2019-20                         | 469805                     | 68178.76                   | 229051                                | 143625.58                             | 34.08                                  | 70267.53                                  |
| 2020-21                         | 554224                     | 80428.00                   | 322154                                | 188475.63                             | 47.73                                  | 84447.31                                  |
| 2021-22 (up to 31 st Dec, 2021) | 455389                     | 70436.02                   | 318661                                | 206552.64                             | 32.42                                  | 81909.46                                  |

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

- i. Ministry of Rural Development 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  SHG  members placed as Bank Sakhis at the bank branches.
- v. An on-line application for online submission of loan application by SHGs has also been implemented.
- vi. Sensitization cum Training of officials of Rural Bank Branches on SHG bank linkage.
- vii. 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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Annexure

## Annexure referred in reply to part (b) of Lok Sabha Unstarred Question No. 1097 to be answered on 08.02.2022 regarding 'Implementation of DAY-NRLM'

| S. No   | State/UTs           | 2018-19              | 2018-19     | 2019-20              | 2019-20     | 2020-21              | 2020-21     | 2021-22 (up to December,2021)   | 2021-22 (up to December,2021)   |
|---------|---------------------|----------------------|-------------|----------------------|-------------|----------------------|-------------|---------------------------------|---------------------------------|
| S. No   | State/UTs           | Households Mobilised | SHGs Formed | Households Mobilised | SHGs Formed | Households Mobilised | SHGs Formed | Households Mobilised            | SHGs Formed                     |
| 1       | Andhra Pradesh      | 0                    | 0           | 0                    | 0           | 1403                 | 158         | 80215                           | 8932                            |
| 2       | Assam               | 1104969              | 105055      | 501094               | 46683       | 110923               | 10306       | 107751                          | 7988                            |
| 3       | Bihar               | 859362               | 73730       | 585428               | 54914       | 1329612              | 129511      | 260110                          | 22013                           |
| 4       | Chhattisgarh        | 423290               | 38476       | 390075               | 36789       | 193516               | 18530       | 122971                          | 11117                           |
| 5       | Gujarat             | 283549               | 27609       | 141078               | 13619       | 108095               | 10645       | 65672                           | 7425                            |
| 6       | Jharkhand           | 699741               | 58439       | 618857               | 50291       | 162117               | 13658       | 81388                           | 9328                            |
| 7       | Karnataka           | 876579               | 65891       | 400459               | 29846       | 180416               | 15475       | 194927                          | 17714                           |
| 8       | Kerala              | 35555                | 2669        | 41716                | 3199        | 57182                | 4345        | 80332                           | 6084                            |
| 9       | Madhya Pradesh      | 532865               | 43961       | 474646               | 43753       | 440935               | 40104       | 243241                          | 19536                           |
| 10      | Maharashtra         | 1265681              | 116058      | 1638779              | 162468      | 676534               | 69968       | 247671                          | 25752                           |
| 11      | Odisha              | 1008370              | 95724       | 628734               | 61201       | 491828               | 49467       | 293798                          | 31793                           |
| 12      | Rajasthan           | 243027               | 22884       | 656134               | 55578       | 251636               | 24703       | 395104                          | 35364                           |
| 13      | Tamil Nadu          | 199744               | 16756       | 140769               | 12634       | 254393               | 25088       | 171379                          | 15690                           |
| 14      | Telangana           | 0                    | 0           | 10                   | 1           | 9740                 | 974         | 76                              | 0                               |
| 15      | Uttar Pradesh       | 618398               | 53276       | 1480708              | 136437      | 1147555              | 111493      | 1613519                         | 147642                          |
| 16      | West Bengal         | 2661771              | 251808      | 2451217              | 209875      | 301278               | 27668       | 489853                          | 45271                           |
| 17      | Haryana             | 145861               | 13392       | 139943               | 13087       | 57136                | 5548        | 38330                           | 3665                            |
| 18      | Himachal Pradesh    | 32389                | 4088        | 23379                | 2915        | 40074                | 4984        | 52108                           | 6078                            |
| 19      | Jammu & Kashmir     | 107591               | 12021       | 36223                | 4494        | 15152                | 1873        | 79123                           | 10502                           |
| 20      | Punjab              | 25448                | 2403        | 85154                | 8142        | 75450                | 7565        | 54075                           | 5576                            |
| 21      | Uttarakhand         | 85772                | 10849       | 62910                | 8312        | 18346                | 2480        | 27220                           | 4533                            |
| 22      | Arunachal Pradesh   | 9254                 | 1078        | 5823                 | 672         | 3166                 | 369         | 7143                            | 850                             |
| 23      | Manipur             | 4913                 | 430         | 4701                 | 419         | 2702                 | 232         | 10619                           | 965                             |
| 24      | Meghalaya           | 53293                | 5289        | 105562               | 10810       | 80792                | 8384        | 57715                           | 5963                            |
| 25      | Mizoram             | 8777                 | 1035        | 6853                 | 752         | 7733                 | 970         | 3492                            | 509                             |
| 26      | Nagaland            | 21430                | 2414        | 25383                | 2896        | 23676                | 2646        | 987                             | 137                             |
| 27      | Sikkim              | 9140                 | 1007        | 13049                | 1402        | 9163                 | 1026        | 1235                            | 121                             |
| 28      | Tripura             | 37227                | 4064        | 39648                | 4636        | 121729               | 13394       | 45388                           | 4884                            |
| 29      | Andaman & Nicobar   | 4230                 | 336         | 1841                 | 188         | 520                  | 54          | 951                             | 94                              |
| 30      | Goa                 | 17274                | 1147        | 1852                 | 139         | 6238                 | 458         | 3351                            | 251                             |
| 31      | Ladakh              | 0                    | 0           | 2466                 | 407         | 0                    | 0           | 71                              | 7                               |
| 32      | Lakshadweep         | 266                  | 20          | 0                    | 0           | 0                    | 0           | 1728                            | 140                             |
| 33      | Puducherry          | 4613                 | 369         | 1657                 | 131         | 2927                 | 226         | 3208                            | 251                             |
| 34      | Daman & Diu and DNH | 2241                 | 206         | 357                  | 34          | 303                  | 27          | 1166                            | 99                              |
|         | Total               | 11382620             | 1032484     | 10706505             | 976724      | 6182270              | 602329      | 4835917                         | 456274                          |

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