Lok Sabha Question No. 4355 (UNSTARRED), answered on 2025-08-19
Subject: Loans to Self-Help Groups
Ministry: RURAL DEVELOPMENT
Asked by: Shri Chandra Prakash Joshi

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 4355 ANSWERED ON 19/08/2025

## LOANS TO SELF-HELP GROUPS

4355. Shri Chandra Prakash Joshi:

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 loans till date;
- (b) the steps taken by the Government so far to facilitate access to credit for rural poor along with the instructions issued to banks for providing loans under this scheme; and
- (c) the  percentage  of  Non-Performing  Asset  (NPA)  on  bank  loans given to Self-Help Groups?

## ANSWER

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

- (a): The  cumulative  loans  disbursed  by  Banks  to  women  Self  Help Groups  since  inception  of  the  DeendayalAntyodayaYojana  -  National Rural  Livelihoods  Mission  (DAY-NRLM)  is  Rs.  11,10,945.88crores  and outstanding amount is Rs. 3,00,342.21 crores.
- (b): Following steps have been taken by the Government to facilitate access to credit for the rural poor:
- i) 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: -
1.    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 NABARD for Regional Rural
- Banks and Co-operative banks.
2. Central Level Coordination Committee meeting under the chairmanship of Secretary Rural Development is held every year in which Managing Directors/ Executive Directors, Chief General

O.I.H.

Managers/General Managers of the Banks, Chairman & Managing Director NABARD, Chief General Manager RBI, Director, Department of Financial Inclusion, Ministry of Finance, representatives from World Bank, other Government Departments and State Mission Director/Chief Executive Officers of State Rural Livelihoods Missions participate.

3. Consultation meeting on SHG Bank Linkage is held with General Managers of Public Sector Banks/Private Banks, Chairpersons  of  Regional  Rural  Banks,  Co-operative  Banks,  and State Rural Livelihoods Missions from time to time.
4. Prior to the finalization of targets, credit target planning is  undertaken,  and  the  Division  convenes  a  meeting  with  the major banks at the Indian Banks' Association (IBA) Headquarters, Mumbai.  The  targets  are  then  fixed  based  on  the  potential  of banks, the trend of credit growth, and their outreach.
5.   Based on the target, states prepared district, block, and branch  wise  targets,  which  are  placed  before  the  State  Level Bankers Committee (sub-committee) for approval.
6. Dedicated  staff  have  been  placed  at  district level, besides positioning bank Sakhi at branch level. The Bank Sakhi and  the  Mission  staff  have  been  preparing  the  list  of  eligible SHGs for linkage and facilitating submission of loan applications including  review/enhancements  and  following  up  pending  loan application by uploading them on the portal monthly. In addition, Community Based Recovery Mechanism (CBRM) has been instituted to ensure regular repayment of loans.
7. To monitor the progress of SHG Bank Linkage and 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  Public  Sector,  Private Sector, Regional Rural Banks, Small Finance Banks, and cooperative Banks  including  District  Central  Cooperative  Banks lending SHGs are sharing data with the portal on monthly basis. Various performance and management reports are placed on the portal to aid SRLMs and Banks regularly monitor the progress on ground.
8.  Training/orientation  to  Bankers  is  provided  for  their capacity building and implementation of the Scheme.

- ii)  Following instructions have been issued to the banks for providing loans  under this scheme:-

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=

12806

and circular issued by NABARD is available in the link: https://www.nabard.org/CircularPage.aspx?cid=504&id=17459.

- (c): Non-Performing  Assets  (NPA)  on  the  loans  given  by  Banks  to women Self Help Groups is 1.76%.

*****