Lok Sabha Question No. 2673 (UNSTARRED), answered on 2025-12-16
Subject: SHGs under DAY-NRLM
Ministry: RURAL DEVELOPMENT
Asked by: Shri Bunty Vivek Sahu, Shri Ashish Dubey, Smt. Bijuli Kalita Medhi, Dr. Sanjay Jaiswal, Smt. D K Aruna, Shri Sunil Kumar, Dr. Rajkumar Sangwan

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA UNSTARRED QUESTION NO. 2673 ANSWERED ON 16/12/2025

## SHGS UNDER DAY-NRLM

## 2673.  Dr. Rajkumar Sangwan:

Smt. D K Aruna:

Smt. Bijuli Kalita Medhi:

Shri Bunty Vivek Sahu:

Shri Ashish Dubey:

Shri Sunil Kumar:

Dr. Sanjay Jaiswal:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the details and total amount of loans disbursed and outstanding to  the  women  Self  Help  Groups  (SHGs)  under  the  Deendayal Antyodaya  Yojana-National  Rural  Livelihoods  Mission  (DAYNRLM)  since  its  inception  including  Guwahati  Lok  Sabha Constituency;
- (b) the  initiatives  undertaken  by  the  Government  to  facilitate access to credit and ensure timely linkage of SHGs with banks;
- (c) the key features and objectives of the NRLM SHG-Bank Linkage Portal developed to monitor credit flow and e-payment;
- (d) the  measures  taken  to  ensure  low  Non-Performing  Assets (NPAs) and strengthen financial inclusion of rural women;
- (e)
- the number of registered and functional SHGs in Jabalpur; and
- (f) the number of beneficiaries under DAY-NRLM in Champaran district of Bihar?

## ANSWER

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

- (a): The  total  amount  of  loans  disbursed  and  outstanding  to  the women  Self  Help  Groups  (SHGs)  under  the  Deendayal  Antyodaya Yojana-National  Rural  Livelihoods  Mission  (DAY-NRLM)  since  its inception including Guwahati Lok Sabha Constituency are as under:-
- West

Rs. in crores

|   S.No. | Particulars (since Inception)                                                            | Total Amount of Loan Disbursed   | Total Amount of Loan Outstanding   |
|---------|------------------------------------------------------------------------------------------|----------------------------------|------------------------------------|
|       1 | In the Country                                                                           | 11,86,517.65                     | 3,13,392.53                        |
|       2 | Amount of Loan Disbursed to SHGs under ASRLM (including Guwahati Lok Sabha Constituency) | 22,192                           | 9,155                              |
|       3 | Guwahati Lok Sabha Constituency                                                          | 1781.50                          | 655.75                             |

- (b): The  initiatives  undertaken  by  the  Government  to  facilitate access to credit and ensure timely linkage of SHGs with banks are as follows:-
- i. NRLM works closely with the Reserve  Bank  of  India  (RBI)  in issuing the Master Circular on SHG-Bank Linkage every year, which facilitates, regulates and promotes the financial inclusion of SHG members.
- ii. Engage  closely  with  the  Indian  Banks'  Association  (IBA)  to streamline norms for lending to SHGs, to standardise procedures and simplify documentation, thereby reducing delays in SHG credit linkage.
- iii. Provides interest subvention on loans to eligible SHGs to make the rate of interest affordable.
- iv. Conducts regular financial literacy training for SHG members to increase awareness about different bank products, the procedure for applying for loan and its utilisation.
- v. Deployment of local trained SHG members as Bank Sakhis to bridge the last-mile gap between the Bank and the community and to make the process smooth.
- vi. Monitoring  of  loan  repayment  through  the  Community-Based Repayment Mechanism (CBRM).
- vii. Regular orientation of bank managers for smooth processing of the loans.
- (c): The key features and objectives of the NRLM SHG-Bank Linkage Portal developed to monitor credit flow, and repayment are:
- i. Tracking SHG credit linkage across all states and banks.
- ii. Data is uploaded by banks into the portal, derived directly from the Core Banking System (CBS).

- iii. Dashboards  and  analytics  are  provided  to  stakeholders  for monitoring bank-wise and state-wise progress and performance.
- iv. Data validation  checks to ensure accuracy and prevent duplication.
- v. Promote better repayment discipline by tracking State-wise and Bank wise NPA status.
- vi. Bank-wise and State-wise performance.
- vii. Improve transparency and  strengthening  monitoring  of  credit flow to SHGs at various levels.
- viii. Supporting  decision-making  through  high-quality, authentic data and trend analysis.
- ix. Enhancing financial inclusion by ensuring that all eligible SHGs are linked to formal banking.
8. (d): The measures being taken to ensure low non-performing assets (NPAs) and strengthen the financial inclusion of rural women are:-
- i. Establishment of Community-Based Repayment Mechanisms in all branches, involving Village Organisations (VOs) and ClusterLevel  Federations  (CLFs),  to  monitor  loan  usage  and  enforce repayment discipline.
- ii. Regular monitoring of state-wise and bank-wise Non Performing Assets (NPAs) through the SHG Bank Linkage Portal to address repayment status.
- iii. Provision of interest subvention for those SHGs having a track record of regular and timely loan repayment.
- iv. Continuous handholding support by Bank Sakhis to guide SHGs on proper loan utilisation and repayment tracking.
- v. Regular large-scale awareness programs on digital and financial literacy are held to ensure SHG members are informed about  various  banking  products  and  Government  of  India schemes.
14. (e): Under DAY- NRLM program, in Jabalpur, a total of 10,917 SHGs have been formed and functioning covering 1,32,336 rural Households (HHs). The SHGs are informal bodies hence no registration is required for them.
15. (f): Under DAY- NRLM program, in West Champaran District of Bihar, a total of 3,93,167 rural HHs have been mobilised into 40,243 SHGs.

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