Lok Sabha Question No. 163 (STARRED), answered on 2024-12-06
Subject: Support to SHGs and Women Entrepreneurs
Ministry: WOMEN AND CHILD DEVELOPMENT
Asked by: Shri Krishna Prasad Tenneti, Shri Prabhakar Reddy Vemireddy

## GOVERNMENT OF INDIA MINISTRY OF WOMEN AND CHILD DEVELOPMENT

## LOK SABHA

## STARRED QUESTION NO. *163 TO BE ANSWERED ON 06.12.2024

## SUPPORT TO SHGS AND WOMEN ENTREPRENEURS

- *163.   SHRI KRISHNA PRASAD TENNETI: SHRI PRABHAKAR REDDY VEMIREDDY:

Will the Minister of Women and Child Development be pleased to state:

- (a) whether the Government has put forward any schemes/programs/initiatives for the  purpose  of  providing  support  to  Self  Help  Groups  (SHGs)  and  women entrepreneurs in the country;
- (b) if so, the details of beneficiaries of such schemes during the last five years in the country, State/district-wise including Nellore, Eluru and Bapatla Parliamentary Constituency in Andhra Pradesh;
- (c) the details of funds allocated and utilised for providing support to SHGs and women  entrepreneurs  in  the  country  during  the  last  five  years,  State-wise including  Bapatla  Parliamentary  Constituency  and  Nellore  district  in  Andhra Pradesh;
- (d) whether the Government has considered offering incentives to increase support for SHGs and women entrepreneurs in the country, if so, the details thereof; and
- (e) whether  the  Government  has  conducted  any  programs/initiatives  to  raise awareness and support for SHGs and women entrepreneurs, if so, the details thereof, especially Nellore district and Bapatla Parliamentary Constituency in Andhra Pradesh?

## ANSWER

MINISTER OF WOMEN AND CHILD DEVELOPMENT (SHRIMATI ANNPURNA DEVI)

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

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Statement referred to in the reply to Lok Sabha Starred Question No. *163 for 06.12.2024 raised by Shri Krishna Prasad Tenneti and Shri Prabhakar Reddy Vemireddy, MPs(LS) regarding 'Support to SHGs and Women Entrepreneurs'

- (a) Yes, Sir. Deendayal Antyodaya Yojana- National Rural Livelihoods Mission (DAYNRLM)  is  a  poverty  alleviation  program  of  the  Ministry  of  Rural  Development, launched in June 2011 and  is being implemented across the country (except Delhi & Chandigarh)  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 income over a period of time and improve their quality of life and come out of abject poverty. The Mission seeks to achieve its objective through investing  in  four  core  components  viz.,  (a)  social  mobilization  and  promotion  & strengthening of self-managed and financially sustainable community institutions of the rural poor; (b) financial inclusion of the rural poor; (c) sustainable livelihoods; and (d) social inclusion and social development. As on October 2024, the program has it foot prints in 742 districts and 7138 blocks of 34 States and UTs. It has mobilized 10.05 crore rural households into 90.87 lakh SHGs in the country.
- (b) State/UT-wise details of beneficiaries under DAY-NRLM during the last 05 years in  the  country  are  at Annexure-I .  District-wise  details  including  Nellore,  Eluru  and Bapatla constituency may be seen at the portal https://nrlm.gov.in
- (c)  State/UT-wise details of funds allocated and utilised for providing support to SHGs under the scheme, are at Annexure -II. The Central share funds are released to the State Governments and not to the districts.
- (d) Yes, Sir. The Government has taken a number of steps to support SHGs (SelfHelp Groups) and women  entrepreneurs under the  DAY-NRLM  (Deendayal Antyodaya Yojana - National Rural Livelihoods Mission). Key incentives are:
- I. Concessional Credit Rates for SHGs :
- a. For loans up-to ₹3 lakh, Banks offer credit at a concessional interest rate of 7% per annum.
- b. For loans above ₹3 lakh and up to ₹5 lakh, Banks provide credit at the lower of their 1-year MCLR/external benchmark-based lending rate or 10% per annum.
- II. Reimbursement of Credit Guarantee Fees : Individual women SHG members are reimbursed for the actual credit guarantee fees for loans up to ₹5 lakh, for a maximum period of 5 years.
- III. Interest Subvention for Women Entrepreneurs : Women entrepreneurs demonstrating prompt repayment of loans are eligible for a 2% interest subvention on the outstanding loan amount of up to ₹1.5 lakh, for a maximum duration of 3 years.

(e)  The  DAY-NRLM  conducts  regular  awareness  generation  and  capacity-building programs for SHG members. These initiatives focus on strengthening SHGs, Village Organizations,  Cluster-Level  Federations,  Producer  Groups  (PGs),  and  Farmer Producer Organizations (FPOs) in various aspects.

To further promote the program, the Ministry utilizes Community Resource Persons (CRPs), Information, Education and Communication (IEC) strategies, and targeted campaigns by both the National and State Rural Livelihoods Missions to raise awareness and ensure effective outreach. Further, few of the programs/initiatives to raise awareness and support for SHGs and women entrepreneurs are at AnnexureIII.

*****

Statement referred to in reply to part (a) of Lok Sabha Starred Question No. *163 asked by Shri Krishna Prasad Tenneti and Shri Prabhakar Reddy Vemireddy on 06.12.2024 regarding 'Support to Self Help Groups and Women Entrepreneurs'

## Details of Beneficiaries under DAY - NRLM during last 05 years

| SN State/UT                             | SN State/UT                             |   2019-20 |   2020-21 |   2021-22 |   2022-23 |   2023-24 |
|-----------------------------------------|-----------------------------------------|-----------|-----------|-----------|-----------|-----------|
| 1                                       | ANDHRA PRADESH                          |         0 |      1403 |     80538 |    627124 |    145926 |
| 2                                       | ASSAM                                   |    501094 |    110923 |    174081 |    394281 |    359590 |
| 3                                       | BIHAR                                   |    585428 |   1329612 |    259585 |    588507 |    513317 |
| 4                                       | CHHATTISGARH                            |    390075 |    193516 |    156283 |    521600 |    300282 |
| 5                                       | GUJARAT                                 |    141078 |    108095 |     17122 |     60834 |    108796 |
| 6                                       | JHARKHAND                               |    618857 |    162117 |    112927 |    116595 |    405281 |
| 7                                       | KARNATAKA                               |    400459 |    180416 |    272983 |    319306 |   1182372 |
| 8                                       | KERALA                                  |     41716 |     57182 |    122113 |     26496 |    484723 |
| 9                                       | MADHYA PRADESH                          |    474646 |    440935 |    395000 |   1059588 |    667985 |
| 10                                      | MAHARASHTRA                             |   1638779 |    676534 |    391915 |    318408 |    579102 |
| 11 ODISHA                               | 11 ODISHA                               |    628734 |    491828 |    336070 |    204003 |    309396 |
| 12 RAJASTHAN                            | 12 RAJASTHAN                            |    656134 |    251636 |    470176 |    495142 |    943431 |
| 13 TAMIL NADU                           | 13 TAMIL NADU                           |    140769 |    254393 |    174307 |    195938 |    405583 |
| 14 TELANGANA                            | 14 TELANGANA                            |        10 |      9740 |    108705 |    284731 |    134268 |
| 15 UTTAR PRADESH                        | 15 UTTAR PRADESH                        |   1480708 |   1147555 |   1859308 |   1204807 |   2074302 |
| 16 WEST BENGAL                          | 16 WEST BENGAL                          |   2451163 |    301278 |    739470 |   1035392 |   1272630 |
| 17 HARYANA                              | 17 HARYANA                              |    139943 |     57136 |     56424 |     54891 |     40851 |
| 18 HIMACHAL PRADESH                     | 18 HIMACHAL PRADESH                     |     23379 |     40074 |     72891 |     62156 |     43175 |
| 19 JAMMU AND KASHMIR                    | 19 JAMMU AND KASHMIR                    |     36223 |     15152 |    104737 |    138103 |    161419 |
| 20 PUNJAB                               | 20 PUNJAB                               |     84211 |     75450 |     71912 |     79494 |    145837 |
| 21 UTTARAKHAND                          | 21 UTTARAKHAND                          |     62910 |     18346 |     30052 |    119066 |     94769 |
| 22 ARUNACHAL PRADESH                    | 22 ARUNACHAL PRADESH                    |      5823 |      3166 |      8689 |     25838 |     22898 |
| 23 MANIPUR                              | 23 MANIPUR                              |      4701 |      2702 |     13628 |     40626 |     19915 |
| 24 MEGHALAYA                            | 24 MEGHALAYA                            |    105562 |     80792 |     79250 |     38986 |     20255 |
| 25 MIZORAM                              | 25 MIZORAM                              |      6853 |      7733 |      5548 |      7857 |     12181 |
| 26 NAGALAND                             | 26 NAGALAND                             |     25383 |     23676 |      1486 |      9000 |     15759 |
| 27 SIKKIM                               | 27 SIKKIM                               |     13049 |      9163 |      1440 |      2026 |      5231 |
| 28 TRIPURA                              | 28 TRIPURA                              |     39648 |    121729 |     61373 |    105990 |     81220 |
| 29 ANDAMAN AND NICOBAR                  | 29 ANDAMAN AND NICOBAR                  |      1841 |       520 |      1041 |      1253 |      1622 |
| 30 GOA                                  | 30 GOA                                  |      1852 |      6238 |      5476 |      3578 |      3396 |
| 31 LADAKH                               | 31 LADAKH                               |      3092 |         0 |        71 |       707 |      7840 |
| 32 LAKSHADWEEP                          | 32 LAKSHADWEEP                          |         0 |         0 |      1850 |       171 |       622 |
| 33 PUDUCHERRY                           | 33 PUDUCHERRY                           |      1657 |      2927 |      3889 |      8069 |      5614 |
| 34 DAMAN AND DIU AND DADAR NAGAR HAVELI | 34 DAMAN AND DIU AND DADAR NAGAR HAVELI |       357 |       303 |      1496 |      1923 |      3185 |
|                                         | TOTAL                                   |  10706134 |   6182270 |   6191836 |   8152486 |  10572773 |

## Annexure-II

Statement referred to in reply to part (b) of Lok Sabha Starred Question No. *163 asked by Shri Krishna Prasad Tenneti and Shri Prabhakar Reddy Vemireddy on 06.12.2024 regarding 'Support to Self Help Groups and Women Entrepreneurs'

## Details of fund allocated and Utilised/Released during last 05 years

(Amount in Rs. lakh)

|                    |          | 2019-20    | 2019-20            | 2020-21    | 2020-21            | 2021-22    | 2021-22            | 2022-23           | 2022-23            | 2023-24    | 2023-24            |
|--------------------|----------|------------|--------------------|------------|--------------------|------------|--------------------|-------------------|--------------------|------------|--------------------|
| S. No              | States   | Allocation | Utilised/Re leased | Allocation | Utilised/Rel eased | Allocation | Utilised/Rele ased | Allocation        | Utilised/Relea sed | Allocation | Utilised/Rele ased |
| 1 Andhra Pradesh   | 11924.13 | 16652.51   | 13447.79           | 20171.69   |                    | 25166.83   | 12583.42           | 25172.97          | 18879.74           | 25172.97   | 6294.25            |
| 2 Bihar            | 48627.99 | 48627.97   | 54841.65           | 80863.18   |                    | 102633.2   | 102633.2 102658.3  | 128322.9          | 102658.3           |            | 141155.1           |
| 3 Chattisgarh      | 10800.58 | 10763.97   | 12180.67           | 12180.67   |                    | 22795.48   | 22795.48           | 22801.05          | 17100.79           | 22801.05   | 29580.59           |
| 4 Goa              | 400      | 200        | 400                | 400        |                    | 700        | 350                | 750               | 750                | 750        | 750                |
| 5 Gujarat          | 7694.51  | 7694.51    | 8677.71            | 12795.16   |                    | 16239.87   | 12068.42           | 16243.84          | 12182.88           | 16243.84   | 16243.84           |
| 6 Haryana          | 4526.82  | 3997.97    | 5105.26            | 5105.26    |                    | 9554.21    | 2388.55            | 9556.55           | 4778.28            | 9556.55    | 4778.28            |
| 7 Himachal Pradesh | 1906.41  | 1454.79    | 2150.01            | 1612.51    | 4023.63            | 4023.63    | 4024.62            | 4024.62           | 4024.62            | 5533.85    |                    |
| Jammu & Kashmir    | 2359.46  | 2299.09    | 2660.95            | 11527.18   | 14668.93           | 11001.7    | 18016.86           | 12783.94          | 18000              | 18000      | 8                  |
| Jharkhand          | 18335.62 | 24828.75   | 20678.53           | 25808.53   | 38698.78           | 38698.78   | 38708.23           | 38708.23          | 38708.23           | 38708.23   | 9                  |
| 10 Karnataka       | 15436.13 | 9571.5     | 17408.55           | 25664.59   | 32579.18           | 24434.39   | 32587.14           | 24440.36          | 32587.14           | 32587.14   |                    |
| 11 Kerala          | 6926.15  | 3463.08    | 7811.16            | 7811.16    | 14618.18           |            | 7309.1 14621.75    | 10966.32          | 14621.75           | 10966.32   |                    |
| 12 Madhya Pradesh  | 23237.89 | 23237.89   | 26094.44           | 19570.83   |                    | 48834.35   | 24417.18 48846.28  | 48846.28          | 48846.28           |            | 24423.14           |
| 13 Maharashtra     | 30513.46 | 30513.46   | 34412.45           | 17206.23   |                    | 51618.68   | 25809.34           | 64401.08 48300.81 | 64416.79           | 88573.08   |                    |
| 14 Odisha          | 23380.72 | 30686.99   | 26368.3            | 38907.04   |                    | 49346.87   | 61683.59 49358.92  | 61698.65          | 49358.92           |            | 67868.51           |
| 15 Punjab          | 2199.98  | 1099.99    | 2481.1             | 1860.83    |                    | 4643.24    | 2321.62            | 4644.38           | 3483.28            | 4644.38    | 4254               |

| 16                                  | Rajasthan   | 11721.17   | 8587.33   | 13218.89   |   13218.89 |   24738.45 |   24738.45 |   24744.5 |   34023.68 |   24744.5 | 24744.5   |
|-------------------------------------|-------------|------------|-----------|------------|------------|------------|------------|-----------|------------|-----------|-----------|
| Tamil Nadu                          | 18074.67    | 23260.01   | 20384.24  | 28924.96   |   38148    |   38148    |   38157.3  |  38157.3  |   38157.3  |  28618    | 17        |
| Telengana                           | 8517.24     | 6525.19    | 9605.57   | 9605.57    |   17976.3  |    4494.08 |   17980.7  |   4495.18 |   17980.7  |      0    | 18        |
| 19 Uttar Pradesh                    | 70008.07    | 51115.11   | 78953.66  | 78856.92   |  147758    |  147566    |  147794    | 110845    |  147794    | 147794    |           |
| Uttarakhand                         | 3685.97     | 4643.32    | 4156.96   | 4618.84    |    7779.53 |    7620.73 |    7781.43 |  10699.5  |    7781.43 |  10699.5  | 20        |
| West Bengal                         | 25983.03    | 31911.65   | 29303.11  | 29303.11   |   54839.2  |   41129.4  |   54852.6  |  54852.6  |   54852.6  |  65716.4  | 21        |
| A&N Islands                         | 200         | 200        | 300       | 300        |     600    |     450    |     900    |    449.9  |     600    |    600    | 22        |
| Daman & Diu and Da dra Nagar Haveli | 400         | 100        | 600       | 200        |     400    |     100    |     600.25 |    300.14 |     450    |    337.5  | 23        |
| Lakshadweep                         | 200         | 0          | 200       |            |     200    |     100    |     238.95 |    119.43 |     300    |    150    | 24        |
| 25 Ladakh                           |             |            |           | 200        |    1320    |     330    |    1319.2  |    659.6  |    1000    |   1000    |           |
| Pondicherry                         | 600         | 558.13     | 700       | 700        |    1000    |     500    |    1700    |   1275    |    1700    |   1700    | 26        |
| Arunachal Pradesh                   | 5597.11     | 5181.12    | 7601.95   | 5218.39    |    8289.42 |    4144.71 |   13226    |   9919.47 |   12775.5  |  12775.5  | 27        |
| 28 Assam                            | 20781.78    | 24015.56   | 21687.67  | 26004.66   |   34298.7  |   34298.7  |   38136.3  |  38136.3  |   39843    |  39843    |           |
| 29 Manipur                          | 5447.25     | 2723.63    | 5609.34   | 2804.67    |   10273.5  |    2568.38 |   12538.3  |   3134.58 |   10523.5  |   5261.73 |           |
| 30 Meghalaya                        | 8710.17     | 6295.4     | 11729.19  | 11729.2    |   14375.4  |    7187.72 |   16928.2  |  16928.2  |   19976.2  |  27467.3  |           |
| 31 Mizoram                          | 9588.2      | 7343.47    | 10004.73  | 5002.37    |   10540.5  |    2635.14 |   15671.9  |   3917.99 |   16396    |   6386.94 |           |
| 32 Nagaland                         | 12853.08    | 9736.11    | 13544.04  | 6772.02    |   17118.3  |    4279.57 |   17793.9  |   8896.95 |   16428    |  12321    |           |
| 33 Sikkim                           | 2948.06     | 1092.34    | 3922.88   | 980.72     |    4431.85 |    1079.84 |    6648.53 |   1662.13 |    7331.71 |   1832.93 |           |
| 34 Tripura                          | 15705.14    | 10434.88   | 16405.2   | 16405.2    |   17364.2  |    8682.11 |   24162.2  |  12081.1  |   30534.8  |  30534.8  |           |
| Grand Total                         | 429291      | 408816     | 482646    | 522330     |  847572    |  682572    |  893566    | 785821    |  901560    | 907499    |           |

Statement referred to in reply to part (e) of Lok Sabha Starred Question No. *163 asked by Shri Krishna Prasad Tenneti and Shri Prabhakar Reddy Vemireddy on 06.12.2024 regarding 'Support to Self Help Groups and Women Entrepreneurs'

## Examples of programs/initiatives to raise awareness

| Sr No   | (a) Workshops                                                                                                                                       |
|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------|
| 1       | National Campaign on "Strengthening Women Enterprises and Members Mobilisation under DAY-NRLM", at New Delhi                                        |
| 2       | National Consultation on "Moringa Sub-Sector " at New Delhi                                                                                         |
| 3       | National Compaign on "Integrated Crop Management" at New Delhi                                                                                      |
| 4       | Orientation cum Business Plan Facilitation Training Programme for Integrated Farming Cluster (IFC) at Kerala                                        |
| 5       | National Conclave on Rural Livelihoods "Aajeevika Samagam" at Varanashi, Uttar Pradesh                                                              |
| 6       | National Conclave on "Incubation Of Rural Women Entrepreneurs" Bangalore, Karnataka                                                                 |
| 7       | Campaign on "Seed treatment : Protecting the Crops from Day one" at New Delhi                                                                       |
| 8       | National Workshop on "Promotion of Moringa" held at Peryakulam, Tamil Nadu                                                                          |
|         | (b) Webinars                                                                                                                                        |
| 1       | Webinar on "Pig Rearing " at New Delhi                                                                                                              |
| 2       | Webinar on "Climate change and Climate adaptation and impact on Rural Livelihoods" at New Delhi                                                     |
| 3       | Webinar on "Bio Resource Centre " at New Delhi                                                                                                      |
| 4       | Technical Webinar on "Bamboo Plantation and Intercropping " under DAY- NRLM Bamboo sub sector ,at New Delhi                                         |
| 5       | Technical Webinar on "Nursery Management on Bamboo Sub sector" at New Delhi                                                                         |
| 6       | Webinar on "Department of Animal Husbandary Schemes and how that can be leveraged by Self Help Group Members" at New Delhi                          |
| 7       | Webinar on convergence meeting with Department of Fisheries with new Scheme Pradhan Mantri Matsya Kisan Samridhi Sah-Yojana (PM MKSSY) at New Delhi |
| 8       | Webinar on "Cattle feed" at New Delhi                                                                                                               |
| 9       | Webinar on "Custom Hiring Centre" at New Delhi                                                                                                      |
| 10      | Webinar on "Annual Compliance for Producer Companies under Company Act 2013" at New Delhi                                                           |
| 11      | Webinar on "Seaweed Cultivation by Self Help Group members : Opportunities & Challenges" at New Delhi                                               |
| 12      | Webinar on "Direct Seeded Rice (DSR)" at New Delhi                                                                                                  |
| 13      | Webinar on "Cattle Rearing & Dairy Farming" at New Delhi                                                                                            |

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