Lok Sabha Question No. 2551 (UNSTARRED), answered on 2025-08-05
Subject: Credit Facility to Women Self Help Groups
Ministry: RURAL DEVELOPMENT
Asked by: Shri P C Mohan, Shri Vishweshwar Hegde Kageri, Shri Bhojraj Nag, Smt. Mala Rajya Laxmi Shah, Dr. Vinod Kumar Bind, Shri Naba Charan Majhi, Shri Pratap Chandra Sarangi, Smt. Shobhanaben Mahendrasinh Baraiya, Dr. Rajesh Mishra, Smt. Kamlesh Jangde, Smt. Himadri Singh

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 2551 ANSWERED ON 05/08/2025

## CREDIT FACILITY TO WOMEN SELF HELP GROUPS

2551. Dr. Rajesh Mishra:

Smt. KamleshJangde:

Smt. Himadri Singh:

Shri Pratap Chandra Sarangi:

Dr. Vinod Kumar Bind:

Smt. Mala RajyaLaxmi Shah:

Shri P C Mohan:

Shri Bhojraj Nag:

Shri VishweshwarHegdeKageri:

Smt. ShobhanabenMahendrasinhBaraiya:

Shri NabaCharanMajhi:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the details of loans disbursed by banks to Self-Help Groups and the outstanding amount of loans till date;
- (b) the number of Self-Help Groups benefitted therefrom in ShahdolLokSabha Constituency;
- (c) the  steps  taken  by  the  Government  to  facilitate  access  to credit  for  the  rural  poor  so  far,  State-wise  particularly  in Chhattisgarh;
- (d) the steps taken by the Government to enhance credit access for  the  rural  poor  and  the  instructions  issued  to  banks  for providing credit under this scheme; and
- (e) the details of percentage of Non-Performing Assets (NPAs) of bank loans disbursed and extended to Self-Help Groups, Statewise including SidhiLokSabha Constituency of Madhya
- Pradesh?

## ANSWER

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

- (a): Cumulative  loans  disbursed  by  Banks  to  women  Self  Help Groups since inception of the DeendayalAntyodayaYojana - National Rural Livelihoods Mission (DAY-NRLM) is Rs. 11,07,479.60crores and the outstanding amount is Rs. 2,99,833.35 crores.
- (b): In the ShahdolLokSabha Constituency, a total of 22,632 Women  Self  Help  Groups  have  benefitted/  have  a  current   loan outstanding.
- (c): Following  steps  have  been  taken  by  the  Government  to facilitate and enhance access to credit for the rural poor:
1.   The  Mission  has  been  engaged  with  financial  regulators  and commercial banks, at strategic as well as operational level through conduct  of  several  workshops,  consultative  forums,  and  capacity building programs these include: -
- i. Every year, on the request of the Ministry, a Master Circular on Women Self Help Groups is issued by Reserve Bank of India for Public Sector Banks/Private Banks and Small Financing Banks.  Similar  circular  is  issued  by  the  National  Bank  for Agriculture  and  Rural  Development  (NABARD)  for  Regional Rural Banks (RRBs) and Co-operative banks.
- ii. Every  year  under  the  Chairpersonship  of  Secretary  Rural Development a Central Level Coordination Committee meeting is held with Banks, RBI, NABARD and other Ministries/Departments.
- iii. Consultation meeting on SHG Bank Linkage helds with Public Sector Banks/Private Banks/ Chairpersons of RRBs, Cooperative Banks and SRLMs from time to time.
- iv. Dedicated staff are placed at district level, besides positioning bank  Sakhi  at  branch  level  to  facilitate  submission  of  loan applications which includes review, enhancements and following up. In addition, Community Based Repayment Mechanism  (CBRM)  has  been  instituted  to  ensure  regular repayment of loans.

- v. To monitor the progress of SHG-Bank Linkage and to keep a track of repayment of bank loan by SHGs, a dedicated portal "NRLM  SHG-Bank  Linkage  Portal"  (banklinkage.lokos.in)  has been developed. The portal sources all its data directly from Core  Banking  solution  (CBS)  of  banks.   All  Banks  lending  to SHGs are sharing data with the portal on monthly basis.
2. Training/orientation  to  Bankers  is  provided  for  their  capacity
- vi. building and implementation of the Scheme.

In  Chhattisgarh  following  steps  are  taken  by  the  Government  to facilitate access to credit for the rural poor:

- The meeting with the State Level Bankers Committee (SLBC) is  held  every  year  to  decide  the  targets  for  Credit  linkage. Consultation meetings with Banks are also held on SHG-Bank
- i. Linkages.
- Orientation/training to Bankers is provided every year to keep them updated on various provisions of SHG Bank Linkage and facility  of  Bank  Sakhi  is  also  provided.  1,536  Bankers/Branch Officials have been provided training during the financial year
- ii. 2025-26 in Chhattisgarh.
- iii. Community Based Recovery Mechanism has been activated in the branch which facilitates credit linkage and loan repayment.  To  facilitate  this,  1,482  bank  Sakhi  have  been positioned in the branches of the banks in Chhattisgarh.
- (d): To enhance credit access the banks provide credit to women SHGs  under  DAY-NRLM  at  concessional  rate  of  interest  as  per details below:
- For loans up to ₹3 lakh under the scheme, banks extend credit
- i. at a concessional interest rate of 7% per annum.
- ii. For loans above ₹3 lakh and up to ₹5 lakh under the scheme, banks extend credit at interest rate equivalent to their 1 yearMCLR or any other external benchmark-based lending rate or 10% per annum, whichever is lower

Reserve Bank of India and NABARD  issues master circular containing detailed instructions for financing to women SHGs under DAY-NRLM and copy of master circular issued by RBI is available in the link:

https://www.rbi.org.in/Scripts/BS\_ViewMasCirculardetails.aspx?id=1 2806

and circular issued by NABARD is available in the link:

https://www.nabard.org/CircularPage.aspx?cid=504&id=17459.

(e): The  present  percentage  of  Non-Performing  Assets  (NPA)  of SidhiLokSabha  Constituency  in  Madhya  Pradesh  is  4.30%.  State wise details of percentage of NPA of the loan disbursed to women SHGs are given at Annexure.

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## ANNEXURE

ANNEXURE REFERRED TO IN REPLY OF PART (e) OF LOK SABHA UNSTARRED QUESTION NO. 2551 TO BE ANSWERED ON 05.08.2025 REGARDING 'CREDIT FACILITY TO WOMEN SELF HELP GROUPS'.

| S.No   | Name of States & UTs                     |   % NPA as on 01.08.2025 |
|--------|------------------------------------------|--------------------------|
| 1      | Andaman & Nicobar Islands                |                     3.18 |
| 2      | Andhra Pradesh                           |                     0.48 |
| 3      | Arunachal Pradesh                        |                     2.74 |
| 4      | Assam                                    |                     0.95 |
| 5      | Bihar                                    |                     1.6  |
| 6      | Chhattisgarh                             |                     2.47 |
| 7      | Goa                                      |                     2.04 |
| 8      | Gujarat                                  |                     4.3  |
| 9      | Haryana                                  |                     7.88 |
| 10     | Himachal Pradesh                         |                     1.91 |
| 11     | Jammu & Kashmir                          |                     1.31 |
| 12     | Jharkhand                                |                     0.96 |
| 13     | Karnataka                                |                     2.79 |
| 14     | Kerala                                   |                     3.53 |
| 15     | Ladakh                                   |                     0    |
| 16     | Lakshadweep                              |                     0    |
| 17     | Madhya Pradesh                           |                     2.35 |
| 18     | Maharashtra                              |                     2.78 |
| 19     | Manipur                                  |                     4.7  |
| 20     | Meghalaya                                |                     5.75 |
| 21     | Mizoram                                  |                     4.83 |
| 22     | Nagaland                                 |                     2.27 |
| 23     | Odisha                                   |                     1.36 |
| 24     | Puducherry                               |                     5.2  |
| 25     | Punjab                                   |                    11.62 |
| 26     | Rajasthan                                |                     2.83 |
| 27     | Sikkim                                   |                     0.49 |
| 28     | Tamil Nadu                               |                     4.16 |
| 29     | Telangana                                |                     2.27 |
| 30     | Dadra and Nagar Haveli and Daman and Diu |                     3.49 |
| 31     | Tripura                                  |                     1.78 |
| 32     | Uttar Pradesh                            |                     2.6  |
| 33     | Uttarakhand                              |                     3.22 |
| 34     | West Bengal                              |                     1.26 |
| 35     | Others                                   |                     0.43 |
|        | Total                                    |                     1.76 |

*****