Lok Sabha Question No. 4252 (UNSTARRED), answered on 2023-03-27
Subject: North-East Rural Livelihood Project (NERLP)
Ministry: DEVELOPMENT OF NORTH EASTERN REGION
Asked by: Ravindra Kushawaha

## Government of India

## Ministry of Development of North Eastern Region

## LOK SABHA UNSTARRED QUESTION No. 4252

To be answered on Monday, March, 27, 2023/  Chaitra 6, Saka 1945

## QUESTION North-East Rural Livelihood Project (NERLP)

## 4252.  SHRI P RAVINDHRANATH:

Will the Minister of DEVELOPMENT OF NORTH EASTERN REGION be pleased to state:

- (a) the steps taken/being taken by the Government for doorstep delivery of financial services  to  the  entrepreneurs  of  unserved  and  underserved  areas  of  North  Eastern Region so far; and
- (b) the  status  of  implementation  and  monitoring  of  North-East  Rural  Livelihood Project (NERLP) to improve rural livelihoods especially that of women and unemployed youths  in  the  participating  North-Eastern  States  to  accelerate  the  pace  of  socioeconomic development of the Region?

## ANSWER

## The Minister of the Ministry of  Development of North Eastern Region [Shri G. Kishan Reddy]

- (a) As  per  the  Department  of  Financial  Services,  doorstep  banking  services  are offered  by  all  the  12  Public  Sector  Banks  (PSBs)  on  a  common  platform  under  PSB Alliance  since  September  2020.  At  present  15  services  are  being  offered  under doorstep banking services across 100 centres in the country. Out of 100 centres where Doorstep  Banking  is  currently  offered,  3  centres  namely  Guwahati,  Shillong  and Agartala,  are  covered  for  the  services  in  the  NE  region.  Further,  the  State  Level

Bankers' Committees (SLBCs) of the North Eastern Region have informed that PSBs offer  doorstep  banking  services  through  their  identified  bank  branches  and  Business Correspondents (BCs).

Further,  Emergency  Credit  Line  Guarantee  Scheme  (ECLGS)  was  launched  in  May, 2020  as  part  of  Aatmanirbhar  Bharat  Abhiyaan  to  support  eligible  Micro,  Small  and Medium  Enterprises  (MSMEs)  and  business  enterprises  in  meeting  their  operational liabilities  and  restarting  their  businesses  in  context  of  the  disruption  caused  by  the COVID-19  pandemic.  This  scheme  covers  all  the  sectors  of  the  economy.  Under ECLGS, 100% guarantee is provided to Member lending Institutions (MLIs) in respect to the  credit  facility  extended  by  them  to  eligible  borrowers.  The  scheme  is  valid  till 31.3.2023. The details of ECLGS support extended to the North Eastern States are at Annexure .

The  Department  of  Rural  Development,  Ministry  of  Rural  Development  has  taken  an initiative under Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAYNRLM) for providing doorstep delivery of financial services through Women  Self Help Group (SHG) members by ensuring their capacity building and coordinating with banks, Common Service Centres and fintechs etc. So far, 4660 women SHG members have been  engaged  as  Business  Correspondents  through  banks.  North  East  State  Wise engagement  of  SHG  members  as  BC  Sakhi/Digipay  Sakhi/Paypoints  for  providing doorstep financial Services in rural area is as under:-

(Status as on 28 th  February, 2023)

| S. No.   | State             |   Total BC/DIGIPAY/Pay Points |
|----------|-------------------|-------------------------------|
| 1        | Assam             |                          2930 |
| 2        | Arunachal Pradesh |                            31 |
| 3        | Manipur           |                           183 |
| 4        | Meghalaya         |                           625 |
| 5        | Mizoram           |                           174 |
| 6        | Nagaland          |                           313 |
| 7        | Sikkim            |                           360 |
| 8        | Tripura           |                            44 |
|          | Total             |                          4660 |

(b) North  East  Rural  Livelihood  Project  (NERLP),  a  World  Bank  aided  project implemented by Ministry of Development  of North  Eastern  Region  (MDoNER), concluded  on  30.09.2019.  The  project  provided  skill  development  training,  vocational training  to  unemployed  youths  and  Self  Help  Groups  (SHGs)  members  for  job placement and self-employment in 1,645 villages under 58 development blocks across 11  districts  of  4  states  of  Mizoram,  Nagaland,  Sikkim  and  Tripura.  The  major achievements of the project were as under:

(i) It provided training to 10462 boys and girls in various job skills.

(ii)  2,92,889  households  were  covered  through  formation  of  28,154  Self  Help  Groups (SHGs)  and  1,212  Village  Federations,  as  well  as  formation  of  1599  Community Development Groups (CDG).

(iii)  At  the end of the project, 97% of the members of SHGs formed under the project had savings bank accounts with a cumulative savings to the tune of Rs.60.51 crores. Project  had  released  a  Community  Investment  Fund  (CIF)  of  Rs.319.15  crores  to 28,154  SHGs.  A  total  number  of  5,535  SHGs  had  availed  bank  linkage  with  a  total sanctioned bank loan amount of Rs.58.19 crores. The average loan amount per SHG from bank was Rs.1.02 lakh.

*****

## Annexure

Annexure to Lok Sabha Unstarred Parliament Q. No. 4252 for answer on 27.03.2023

| Credit Line Guarantee Scheme support extended to the North Eastern States   | Credit Line Guarantee Scheme support extended to the North Eastern States   | Credit Line Guarantee Scheme support extended to the North Eastern States   | Credit Line Guarantee Scheme support extended to the North Eastern States   | Credit Line Guarantee Scheme support extended to the North Eastern States   | Credit Line Guarantee Scheme support extended to the North Eastern States   | Credit Line Guarantee Scheme support extended to the North Eastern States   |
|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|
|                                                                             | Financial Year 2020-21                                                      | Financial Year 2020-21                                                      | Financial Year 2021-22                                                      | Financial Year 2021-22                                                      | Financial Year 2022-23 (till 28.02.23)                                      | Financial Year 2022-23 (till 28.02.23)                                      |
| State Name                                                                  | Total No of Guarantees issued                                               | Total amount Guaranteed (Rs. in Crore)                                      | Total No of Guarantees issued                                               | Total amount Guaranteed (Rs. in Crore)                                      | Total No of Guarantees issued                                               | Total amount Guaranteed (Rs. in Crore)                                      |
| Arunachal Pradesh                                                           | 2228                                                                        | 71.31                                                                       | 159                                                                         | 57.94                                                                       | 46                                                                          | 30.81                                                                       |
| Assam                                                                       | 529128                                                                      | 2715.09                                                                     | 23527                                                                       | 807.08                                                                      | 1729                                                                        | 278.22                                                                      |
| Manipur                                                                     | 10259                                                                       | 123.06                                                                      | 322                                                                         | 12.87                                                                       | 31                                                                          | 6.19                                                                        |
| Meghalaya                                                                   | 11030                                                                       | 200.9                                                                       | 487                                                                         | 26.3                                                                        | 53                                                                          | 13.97                                                                       |
| Mizoram                                                                     | 3722                                                                        | 54.89                                                                       | 146                                                                         | 9.3                                                                         | 29                                                                          | 0.4                                                                         |
| Nagaland                                                                    | 7396                                                                        | 68.36                                                                       | 171                                                                         | 8.83                                                                        | 33                                                                          | 3                                                                           |
| Sikkim                                                                      | 8178                                                                        | 92.95                                                                       | 178                                                                         | 33.88                                                                       | 47                                                                          | 4.57                                                                        |
| Tripura                                                                     | 60471                                                                       | 245.64                                                                      | 2178                                                                        | 46.75                                                                       | 208                                                                         | 3.02                                                                        |
| Grand total                                                                 | 632412                                                                      | 3572.2                                                                      | 27168                                                                       | 1002.95                                                                     | 2176                                                                        | 340.18                                                                      |

Source: National Credit Guarantee Trustee Company Ltd.