Lok Sabha Question No. 2591 (UNSTARRED), answered on 2025-08-05
Subject: SHG under NRLM
Ministry: RURAL DEVELOPMENT
Asked by: Smt. Bharti Pardhi, Shri Bhausaheb Rajaram Wakchaure, Shri Bajrang Manohar Sonwane, Shri Sanjay Haribhau Jadhav

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA UNSTARRED QUESTION NO. 2591

## ANSWERED ON 05/08/2025

## SHG UNDER NRLM

## 2591. Shri BajrangManoharSonwane:

Shri Sanjay HaribhauJadhav:

Shri BhausahebRajaramWakchaure:

Smt. Bharti Pardhi:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the details of the schemes implemented by the Government in rural areas with a view to provide  self-employment  and improve livelihood of women particularly to rural women;
- DeendayalAntyodayaYojanaNational Rural Livelihoods Mission (DAY -NRLM) in organizing rural  women  into  the  Self  Help  Groups  (SHGs),  State  and district-wise,  particularly  in  Maharashtra  including  Beed  and
- (b) the present outreach of the ShirdiLokSabha Constituency;
- (c) the  concrete  proofs  available  with  the  Government  regarding the social, political and economic empowerment of women;
- (d) the  extent  to  which  the  DAY-NRLM  has  been  successful  in providing sustainable livelihood opportunities and in increasing houshold  incomes  of  the  Self-Help  Group  (SHG)  members, particularly through farming and non-farming activities and the micro-enterprises;
- (e) the amount of loans taken by Self Help Groups (SHGs) from the financial institutions and the challenges faced by the SHGs in accessing timely and adequate loans; and
- (f) the manner in which issues such as credit linkage among the Self-Help Groups and the regional disparities in Non-Performing Assets (NPAs) are being addressed?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (DR. CHANDRA SEKHAR PEMMASANI)

(a): DeendayalAntyodayaYojana -National Rural Livelihoods Mission  (DAY  -  NRLM)  is  a  poverty  alleviation  programme  of  the Ministry of Rural Development (MoRD), which was launched in June, 2011.  It  is  being  implemented  across  the  country  (except  Delhi  & Chandigarh) with the objective of organizing the rural poor households into Self Help Groups (SHGs) and continuously nurturing and supporting them till they attain appreciable increase in income over a period of time and improve their quality of life and come out of  abject  poverty.  So  far  10.05  crore  rural  women  household  have been  mobilized  into  more  than  90.90  lakh  Self-Help  Groups  in  the country. The Mission seeks to achieve its objective through investing in four core components viz.

- i. social mobilization and promotion and strengthening of selfmanaged and financially sustainable community institutions of the rural poor.
- ii. financial inclusion of the rural poor.
- iii. sustainable livelihoods; and
- iv. social inclusion, social development and convergence.

(b): As  of  30 th   June  2025,  DeendayalAntyodayaYojana-National Rural  Livelihoods  Mission  (DAY  -NRLM)  is  being  implemented  in 7145  blocks  in  745  districts  across  28  States  and  6  UTs  (except Delhi and Chandigarh). Cumulatively, 10.05 crore women have been mobilized  into  more  than  90.90  lakh  SHGs.  State  wise  number  of Households and SHGs are given at Annexure-I. District wise details of  Maharashtra  including  Beed  and  ShirdiLokSabha  Constituency are given at Annexure-II.

(c): Under  DeendayalAntyodayaYojana-  National  Rural  Livelihood Mission (DAY- NRLM) Ministry of Rural Development, has undertaken a  multipronged  approach  towards  the  empowerment  of  women  in the social, political, and economic spheres.

Evidence of the progress made can be assessed from the findings of several impact  evaluation studies, which  the  Ministry has commissioned to understand the overall impact of the DeendayalAntyodayaYojana-National Rural Livelihoods Mission (DAY-NRLM).

- I. An impact evaluation study of DAY-NRLM, conducted in 201920  by  the  International  Initiative  for  Impact  Evaluation  (3ie) with  support  from  the  World  Bank,  underscores  substantial improvements in women's empowerment through Government interventions. The study covered 9 states-Bihar, West Bengal, Odisha, Jharkhand, Madhya Pradesh, Chhattisgarh, Maharashtra,  Rajasthan,  and  Uttar  Pradesh-the  assessment involved  around  27,000  respondents  and  5,000  Self  Help Groups (SHGs). Key findings include:
2.  Income Enhancement: Women  SHGs  in treatment areas experienced a 19% increase in income over the baseline.
3.  Formalization of Credit: There was a 20% decline in reliance on informal loans, indicating improved  access  to formal
4. financial services.
5.  Savings  Growth:  Participants  reported  a  28%  increase  in savings,  reflecting  stronger  financial  resilience  and  resource management.
6.  Workforce Participation: Labour force engagement rose significantly, with a 4% higher proportion of females reporting secondary occupations in treatment areas, compared  to control areas.
7.  Access  to  Social  Schemes:  There  was  a  6.5%  rise  in  the number  of social welfare schemes  availed by treatment households (compared to a base of 2.8 schemes), demonstrating improved awareness and reach of public welfare programs.
- II. An evaluation of the Start-Up Village Entrepreneurship Programme  (SVEP)  was  also  undertaken  in  2024.  The  study covered  1,159  sample  enterprises  promoted  under  the  SVEP across 17 states, 33 districts, and 165 villages.
9.  Empowering women through SVEP: A remarkable achievement of  the  programme  is  its  strong  focus  on  promoting  women's entrepreneurship-71% of the enterprises are women-ownedalong with its role in generating employment opportunities in rural areas. About 35% of entrepreneurs were not engaged in any  income-generating  activity  prior  to  starting  their  SVEPsupported enterprises, and approximately 74% of these enterprises have now become the primary source of household income.

- III. To  assess  the  factors  influencing  MahilaKisans  in  adopting sustainable  practices  a  study  was  conducted  in  2024.  The study was administered by covering 2,425 MahilaKisans across 240 villages, 48 blocks, and 24 districts in 6 states.
2.  Socio-Economic empowerment of MahilaKisans: Among MahilaKisans, the reported benefits of the programme include increased  confidence  (48%),  improved  decision-making  and reduced labour costs (32%), enhanced agricultural knowledge (40%), and higher grain yields (52%). Additionally, the programme contributed to an increase in annual income, with 18%  of participating households  reporting gains of over additional 7% additional increase in annual income.
- IV. Considering  the  wide  outreach  and  acceptance  of  the  BC Sakhi  model  across  banks  and  regulatory  bodies,  and  its implementation spanning over four years, MoRD commissioned a  study  on  the  e ff ectiveness  of  the  BC  Sakhi  model  in  2023 which aimed to provide a comprehensive analysis of the model by  examining  its  implementation  architecture,  training  and deployment processes, the services delivered, and its impact on both the banking ecosystem and rural communities.
4.  The study found that 45% of BC Sakhis have transitioned into Digi-Pay Sakhis, thereby expanding their capabilities in delivering  digital  financial  services.  An  interesting  trend  has emerged regarding the relationship between BC Sakhis' income levels and their entrepreneurial engagement. Over 61% of  BC  Sakhis  rely  solely  on  the  income  generated  from  their role as banking correspondents. BC Sakhis who rely exclusively on their role as BC agents tend to earn more from this activity than those who diversify their income sources.

These  outcomes  gives  a  data-backed  proof  of  the  Government's commitment  to  empowering  women  economically  and  socially through sustained & effective support under the DAY-NRLM programme.

- (d): In Farm Sector Self Help Groups are supported to adopt agroecological practices and better livestock management practices. A strong  network  of  trained  livelihood  Community  Resource  Persons called as KrishiSakhi and PashuSakhi are deployed to handhold and provide round the year extension services to the mahilakisans. To

strengthen  their livelihoods in  specific  sub-sector/commodities, Integrated  Farming  Clusters  are  allocated  to  States/UTs  focus interventions  in  a  close  proximity  of  three  to  five  villages  per clusters. As on June 2025, 4.62 crores SHG members as mahilakisans has been covered and more than 3.50 lakhs livelihoods  Community  Resource  Persons  such  as  KrishiSakhi  and PashuSakhi are deployed across the country. For implementation of Integrated Farming Clusters 6,000 clusters have been allocated to the States/UTs.

Further  to  support  the  SHG  members  in  getting  better  agriinput  and  market  access,  women  owned  producer  enterprises registered under The Companies Act, 2013, as well as Cooperative and Producer Groups are promoted across the country. As on June 2025,  1,285  Producer  Enterprises  (including  800  FPOs  under  10K FPOs scheme of MoA&FW) and 1.95 lakhs Producer Groups covering more than 50 lakhs rural women producers.

In non-farm sector, Start-up Village Entrepreneurship Programme (SVEP), the sub-scheme under the DeendayalAntyodayaYojana-National  Rural  Livelihoods  Mission (DAY-NRLM)  programme  supports  the Self-Help  Group  (SHG)  and their  family  members  to  set-up  small  enterprises  in  the  non-farm sector. As of 30 th  June 2025, 3.74 lakh enterprises were supported under  the  SVEP  in  282  blocks.  The  SVEP  evaluation  study  shows that  71%  of  the  enterprises  were  owned  and  managed  by  SHG women and around 86% of the entrepreneurs reported an enhancement in their savings.

- (e): The women SHGs have taken more than ₹ 11 lakh crores loan (credit)  under  DAY-NRLM  since  2013-14,  and  no  challenges  have been reported by the SHGs in accessing timely and adequate loans.
- (f): A 'Bank Sakhi' is placed at bank branch who provides multiple types of support and facilitates credit linkage for the SHGs.  47,952 Bank Sakhi have been deployed in the bank branches to facilitate credit linkage of the SHGs.  Bank Sakhi is also the member of the Community Based Repayment Mechanism(CBRM) committee.  NonPerforming  Assets  in  SHG  credit  linkage  is  1.76%  and  differs  in States.  DAY-NRLM  is  promoting  the  concept  of  Community  Based Repayment  Mechanism  (CBRM)  to  address the issue of nonrepayment or delayed repayment of loans to SHGs. CBRM committee is formed at each bank branch which is chaired by the Branch Manager of the respective Bank branch.  The CBRM committee meeting is held at  least  once  a  month  preferably  on  a

pre-decided  day  at  the  bank  premises  or  any  other  location  as decided by the committee members.

*****

ANNEXURE-I

ANNEXURE REFERRED TO IN REPLY TO PART (B) OF LOK SABHA UNSTARRED  QUESTION  NO.  2591  FOR  ANSWER  ON  05.08.2025 REGARDING -SHG UNDER NRLM‖

## The details of women SHGs and Household Mobilized for states/UTswise

|   S.No | Name of States/UTs   | Number of SHGs   | Household Mobilized   |
|--------|----------------------|------------------|-----------------------|
|      1 | Andhra Pradesh       | 8,55,600         | 90,75,289             |
|      2 | Assam                | 3,61,516         | 41,11,020             |
|      3 | Bihar                | 10,97,100        | 1,27,13,428           |
|      4 | Chhattisgarh         | 2,76,375         | 30,68,427             |
|      5 | Gujarat              | 2,79,758         | 27,83,006             |
|      6 | Jharkhand            | 2,91,601         | 35,89,607             |
|      7 | Karnataka            | 3,60,684         | 42,07,374             |
|      8 | Kerala               | 2,71,209         | 40,02,478             |
|      9 | Madhya Pradesh       | 4,87,291         | 58,29,972             |
|     10 | Maharashtra          | 6,40,719         | 65,25,549             |
|     11 | Odisha               | 5,51,141         | 57,75,035             |
|     12 | Rajasthan            | 3,21,875         | 38,04,161             |
|     13 | Tamil Nadu           | 3,36,764         | 40,23,939             |
|     14 | Telangana            | 4,42,979         | 48,20,573             |
|     15 | Uttar Pradesh        | 8,42,101         | 95,09,884             |
|     16 | West Bengal          | 11,92,980        | 1,22,51,533           |
|     17 | Haryana              | 60,301           | 6,29,094              |
|     18 | Himachal Pradesh     | 45,295           | 3,78,542              |
|     19 | Jammu & Kashmir      | 91,445           | 7,97,805              |
|     20 | Punjab               | 52,118           | 5,43,246              |
|     21 | Uttarakhand          | 65,840           | 4,97,777              |
|     22 | Arunachal            | 11,906           | 93,308                |
|     23 | Manipur              | 11,659           | 1,18,734              |
|     24 | Meghalaya            | 45,312           | 4,44,264              |
|     25 | Mizoram              | 10,291           | 85,934                |
|     26 | Nagaland             | 15,419           | 1,35,261              |
|     27 | Sikkim               | 5,915            | 56,675                |
|     28 | Tripura              | 51,841           | 4,94,675              |
|     29 | Andaman              | 1,294            | 13,194                |
|     30 | Goa                  | 3,891            | 50,735                |
|     31 | Ladakh               | 1,807            | 12,618                |
|     32 | Lakshadweep          | 348              | 4,363                 |
|     33 | Puducherry           | 4,744            | 59,714                |

| 34   | Daman and Diu and Dadra and Nagar Haveli   | 1,673     | 16,782       |
|------|--------------------------------------------|-----------|--------------|
|      | Total:                                     | 90,90,792 | 10,05,23,996 |

## ANNEXURE-II

## ANNEXURE REFERRED TO IN REPLY TO PART (B) OF LOK SABHA UNSTARRED  QUESTION  NO.  2591  FOR  ANSWER  ON  05.08.2025 REGARDING -SHG UNDER NRLM‖

## The  details  of women SHGs and Household  Mobilized  for  Districtwise including Beed and Shirdi

| District                  |   SHGs |   Members | Constituency   |
|---------------------------|--------|-----------|----------------|
| AHILYANAGAR               |  29811 |    293612 | SHIRDI         |
| AKOLA                     |  11884 |    129486 |                |
| AMRAVATI                  |  21163 |    218720 |                |
| BEED                      |  18157 |    179175 | BEED           |
| BHANDARA                  |  15063 |    167102 |                |
| BULDHANA                  |  23607 |    232889 |                |
| CHANDRAPUR                |  21037 |    220786 |                |
| CHHATRAPATI SAMBHAJINAGAR |  18069 |    182563 |                |
| DHARASHIV                 |  14890 |    150751 |                |
| DHULE                     |  14192 |    139747 |                |
| GADCHIROLI                |  15516 |    156297 |                |
| GONDIA                    |  19257 |    212439 |                |
| HINGOLI                   |  10879 |    114667 |                |
| JALGAON                   |  30086 |    304042 |                |
| JALNA                     |  15032 |    152572 |                |
| KOLHAPUR                  |  27792 |    277400 |                |
| LATUR                     |  20267 |    204260 |                |
| NAGPUR                    |  19541 |    197883 |                |
| NANDED                    |  18116 |    189496 |                |
| NANDURBAR                 |  17503 |    184480 |                |
| NASHIK                    |  30010 |    296961 |                |
| PALGHAR                   |  16150 |    164229 |                |
| PARBHANI                  |  12260 |    127177 |                |
| PUNE                      |  27066 |    270228 |                |
| RAIGAD                    |  19890 |    196928 |                |
| RATNAGIRI                 |  15308 |    161796 |                |
| SANGLI                    |  18444 |    182811 |                |
| SATARA                    |  21673 |    216488 |                |
| SINDHUDURG                |  10107 |    102461 |                |
| SOLAPUR                   |  24602 |    250609 |                |
| THANE                     |  10919 |    111112 |                |
| WARDHA                    |  14890 |    153248 |                |

| WASHIM   |   12021 |   119540 |
|----------|---------|----------|
| YAVATMAL |   25517 |   263594 |
|          |  640719 |  6525549 |

*****