Lok Sabha Question No. 4068 (UNSTARRED), answered on 2026-03-17
Subject: Loan to SHGs
Ministry: RURAL DEVELOPMENT
Asked by: Dr. Shivaji Bandappa Kalge, Shri Nilesh Dnyandev Lanke

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA UNSTARRED QUESTION NO. 4068 ANSWERED ON 17/03/2026

## LOAN TO SHGS

4068. Dr. Shivaji Bandappa Kalge: Shri Nilesh Dnyandev Lanke:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the details of the loans disbursed by banks to Self-Help Groups (SHGs) in the country and the amount of loans outstanding as on date, State-wise;
- (b) the various steps taken by the Government to facilitate access to credit facilities for the rural poor in Maharashtra so far and the various directives issued to banks for providing loans under this scheme; and
- (c) the  details  of  Non-Performing  Assets  (NPA)  or  percentage  of bank loans provided to SHGs?

## ANSWER

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

- (a): The details of the loans disbursed by banks to Self-Help Groups (SHGs) in the country are available at Annexure -I, and the amount of loans outstanding as on date, State-wise, is available at Annexure-II.
- (b): The various steps taken by the Government to facilitate credit through SHG-Bank linkage in the country, including Maharashtra, are
- as follows:
1. Policy  Guidelines  for  SHG  Financing:  At  the  request  of  the Ministry,  the  Reserve  Bank  of  India  (RBI)  issues  a  Master Circular on Women Self Help Groups for Public Sector Banks, Private Sector Banks and Small Finance Banks, outlining the norms and guidelines for financing SHGs, including loan limits, repayment  terms  and  other  related  provisions.  Similarly,  the National Bank for Agriculture and Rural Development (NABARD)

- issues an  annual circular for Regional  Rural  Banks  and Cooperative Banks to guide SHG financing
2. Target Setting: Every year, State-wise and Bank-wise targets for SHG-Bank linkage are fixed based on the assessed potential in the  respective  States,  in  consultation  with  banks  and  State Rural Livelihood Missions, to ensure systematic expansion of institutional credit to Self Help Groups.
3. Affordable  Credit:  To  make  credit  affordable  for  women  Self Help Groups (SHGs), the Government has introduced an Interest Subvention Scheme. Under this scheme, banks provide credit to women  SHGs  at  a  concessional  rate  of  interest,  as  per  the following provisions:
- i. For loans up to Rs. 3 lakh under the scheme, banks extend credit at a concessional interest rate of 7% per annum..
- ii. For loans above Rs. 3 lakh and up to Rs. 5 lakh under the scheme, banks extend credit at an interest rate equivalent to  their  1-year  MCLR  or  any  other  external  benchmarkbased lending rate or 10% per annum, whichever is lower.
4. The Maharashtra State Rural Livelihood Mission (MSRLM) has signed Memoranda of Understanding (MoUs) with 13 banks to facilitate timely and adequate credit flow to Self Help Groups (SHGs). These MoUs aim to strengthen coordination between banks  and  the  State  Mission,  streamline  the  credit  linkage process,  and  ensure  faster  processing  and  disbursement  of loans to SHGs in the State.
5. Effective  Monitoring:  To  monitor  the  progress  of  SHG-Bank Linkage  and  track  the  repayment  of  bank  loans  by  SHGs,  a dedicated portal, 'NRLM SHG-Bank Linkage Portal,' has been developed. The portal sources data directly from banks' Core Banking  Solutions  (CBS).  All  Public  Sector  Banks,  Private Sector Banks, Regional Rural Banks, Small Finance Banks and Cooperative Banks share data on a monthly basis. The portal enables monitoring of State-, district-, bank-, and branch-wise performance,  facilitating  timely  programmatic  interventions and informed decision-making to strengthen SHG-Bank linkage.
6. Capacity  Building  of Bank  Officials: Regular  training  and orientation programmes are conducted for bank branch officials on SHG-Bank linkage and other aspects of financial inclusion to ensure  effective  implementation  of  the  scheme.  During  FY 2025-26 (till date), a total of 43,740 branch officials have been trained  across  the  country,  of  which  2,297  officials  are  from Maharashtra, reflecting focused capacity-building efforts in the State.
7. Bank Sakhi:  To  facilitate  credit  linkage  of  SHGs  with  banks, Bank Sakhis are deployed at the branch level to assist SHGs in

- filling  loan  applications,  completing  KYC  compliances,  and following up with bank branches. Bank Sakhis also act as an effective liaison between banks and SHGs, helping to strengthen credit linkages and improve access to institutional finance. As on date, 51,852 Bank Sakhis have been deployed across the country, including 3,529 in Maharashtra.
8. Review  and  Coordination  Mechanism:  SHG-Bank  linkage  is  a key  and  regular  agenda  item  in  the  Bankers'  Committee meetings  at  all levels,  namely  the  State  Level Bankers' Committee  (SLBC), District Level  Consultative  Committee (DLCC)  and  Block  Level  Bankers'  Committee  (BLBC).  These committees  periodically  review  progress  on  the  SHG-Bank linkage,  discuss  operational  issues,  and  take  the  necessary measures  to  strengthen  the  linkage  and  improve  the  flow  of institutional  credit  to  SHGs.  This  review  mechanism  is  also operational  in  Maharashtra,  where  the  progress  and  issues related  to  SHG-Bank  linkage  are  regularly  examined  at  the State, district and block levels.
- c) The Non-Performing Assets (NPA) percentage in Maharashtra State is 2.19 %, and the total NPA percentage across India is 1.74%.

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Annexure  referred  to  in  reply  to  Part  (a)  of  Lok  Sabha  Unstarred Question  No.  4068  for  answer  on  17.03.2026  regarding  "Loans  to SHGs".

| by Banks to women SHGs under DAY-NRLM Scheme till January 2026.   | by Banks to women SHGs under DAY-NRLM Scheme till January 2026.   | by Banks to women SHGs under DAY-NRLM Scheme till January 2026.   |
|-------------------------------------------------------------------|-------------------------------------------------------------------|-------------------------------------------------------------------|
| Sr.No.                                                            | State                                                             | Amount (Rs. in crores)                                            |
| 1.                                                                | Andaman & Nicobar islands                                         | 19.9                                                              |
| 2.                                                                | Andhra Pradesh                                                    | 3,34,341.49                                                       |
| 3.                                                                | Arunachal Pradesh                                                 | 211.8                                                             |
| 4.                                                                | Assam                                                             | 23,802.74                                                         |
| 5.                                                                | Bihar                                                             | 65,367.83                                                         |
| 6.                                                                | Chhattisgarh                                                      | 11,418.47                                                         |
| 7.                                                                | Goa                                                               | 423.31                                                            |
| 8.                                                                | Gujarat                                                           | 4,253.49                                                          |
| 9.                                                                | Haryana                                                           | 2,577.42                                                          |
| 10.                                                               | Himachal Pradesh                                                  | 1,324.25                                                          |
| 11.                                                               | Jammu & Kashmir                                                   | 3,063.92                                                          |
| 12.                                                               | Jharkhand                                                         | 18,701.92                                                         |
| 13.                                                               | Karnataka                                                         | 1,70,866.23                                                       |
| 14.                                                               | Kerala                                                            | 46,056.43                                                         |
| 15.                                                               | Ladakh                                                            | 5.71                                                              |
| 16.                                                               | Lakshadweep                                                       | 3.8                                                               |
| 17.                                                               | Madhya Pradesh                                                    | 16,773.77                                                         |
| 18.                                                               | Maharashtra                                                       | 48,333.95                                                         |
| 19.                                                               | Manipur                                                           | 210                                                               |
| 20.                                                               | Meghalaya                                                         | 715.05                                                            |
| 21.                                                               | Mizoram                                                           | 258.71                                                            |
| 22.                                                               | Nagaland                                                          | 282.7                                                             |
| 23.                                                               | Odisha                                                            | 61,134.33                                                         |
| 24.                                                               | Puducherry                                                        | 1,322.4                                                           |
| 25.                                                               | Punjab                                                            | 749.86                                                            |
| 26.                                                               | Rajasthan                                                         | 12,346.83                                                         |
| 27.                                                               | Sikkim                                                            | 246.76                                                            |
| 28.                                                               | Tamil Nadu                                                        | 1,10,327.55                                                       |
| 29.                                                               | Telangana                                                         | 1,34,881.75                                                       |
| 30.                                                               | Dadra and Nagar Haveli and Daman and Diu                          | 9.91                                                              |
| 31.                                                               | Tripura                                                           | 2,354.59                                                          |
| 32.                                                               | Uttar Pradesh                                                     | 11,207.77                                                         |
| 33.                                                               | Uttarakhand                                                       | 1,673.84                                                          |
| 34.                                                               | West Bengal                                                       | 1,43,566.86                                                       |
|                                                                   | Total                                                             | 12,30,774.11                                                      |

Annexure  referred  to  in  reply  to  Part  (a)  of  Lok  Sabha  Unstarred Question  No.  4068  for  answer  on  17.03.2026  regarding  "Loans  to SHGs".

| Amount of loans outstanding under DAY-NRLM Scheme till January 2026.   | Amount of loans outstanding under DAY-NRLM Scheme till January 2026.   | Amount of loans outstanding under DAY-NRLM Scheme till January 2026.   |
|------------------------------------------------------------------------|------------------------------------------------------------------------|------------------------------------------------------------------------|
| Sr.No.                                                                 | States & UTs                                                           | Amount (Rs. in crores)                                                 |
| 1.                                                                     | Andaman & Nicobar islands                                              | 2.41                                                                   |
| 2.                                                                     | Andhra Pradesh                                                         | 82,794.32                                                              |
| 3.                                                                     | Arunachal Pradesh                                                      | 49.91                                                                  |
| 4.                                                                     | Assam                                                                  | 9,473.11                                                               |
| 5.                                                                     | Bihar                                                                  | 28,541.04                                                              |
| 6.                                                                     | Chhattisgarh                                                           | 3,453.13                                                               |
| 7.                                                                     | Goa                                                                    | 106.78                                                                 |
| 8.                                                                     | Gujarat                                                                | 979.85                                                                 |
| 9.                                                                     | Haryana                                                                | 718.10                                                                 |
| 10.                                                                    | Himachal Pradesh                                                       | 380.71                                                                 |
| 11.                                                                    | Jammu & Kashmir                                                        | 1,050.50                                                               |
| 12.                                                                    | Jharkhand                                                              | 7,672.85                                                               |
| 13.                                                                    | Karnataka                                                              | 29,843.58                                                              |
| 14.                                                                    | Kerala                                                                 | 11,013.03                                                              |
| 15.                                                                    | Ladakh                                                                 | 2.41                                                                   |
| 16.                                                                    | Lakshadweep                                                            | 1.42                                                                   |
| 17.                                                                    | Madhya Pradesh                                                         | 5,453.59                                                               |
| 18.                                                                    | Maharashtra                                                            | 14,974.63                                                              |
| 19.                                                                    | Manipur                                                                | 101.56                                                                 |
| 20.                                                                    | Meghalaya                                                              | 343.14                                                                 |
| 21.                                                                    | Mizoram                                                                | 88.75                                                                  |
| 22.                                                                    | Nagaland                                                               | 162.47                                                                 |
| 23.                                                                    | Odisha                                                                 | 19,013.08                                                              |
| 24.                                                                    | Puducherry                                                             | 244.36                                                                 |
| 25.                                                                    | Punjab                                                                 | 171.55                                                                 |
| 26.                                                                    | Rajasthan                                                              | 3,021.46                                                               |
| 27.                                                                    | Sikkim                                                                 | 68.55                                                                  |
| 28.                                                                    | Tamil Nadu                                                             | 30,498.89                                                              |
| 29.                                                                    | Telangana                                                              | 40,153.28                                                              |
| 30.                                                                    | Dadra and Nagar Haveli and Daman and Diu                               | 1.52                                                                   |
| 31.                                                                    | Tripura                                                                | 721.69                                                                 |
| 32.                                                                    | Uttar Pradesh                                                          | 3,912.34                                                               |
| 33.                                                                    | Uttarakhand                                                            | 467.03                                                                 |
| 34.                                                                    | West Bengal                                                            | 32,660.25                                                              |
|                                                                        | Total                                                                  | 3,28,131.26                                                            |

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