Lok Sabha Question No. 2988 (UNSTARRED), answered on 2026-03-10
Subject: Status of DAY-NRLM
Ministry: RURAL DEVELOPMENT
Asked by: Dr. C M Ramesh

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

## LOK SABHA UNSTARRED QUESTION NO. 2988 ANSWERED ON 10/03/2026

## STATUS OF DAY-NRLM

## 2988. Dr. C M Ramesh:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the current status of implementation of Deendayal Antyodaya Yojana-National Rural Livelihood Mission (DAY-NRLM) in Andhra Pradesh including Anakapalli Lok Sabha Constituency;
- (b) the  number of rural  poor  households  mobilized  into  Self  Help Groups (SHGs), Village Organisations (VO's) and Cluster Level Federations (CLFs);
- (c) the details of credit mobilized by SHGs, VOs and CLFs and the level of Non-Performing Assets (NPAs) of these groups;
- (d) whether there is any proposal to devise a mechanism to provide loans to these groups, through their individual CIBIL score;
- (e) the details of Lakhpati Didis created in Anakapalli and in Andhra Pradesh along with the measures undertaken to increase their non-farm  entrepreneurship  capacity,  market  linkage  and  skill development;
- (f) the  details  of  the  amount  of  capitalisation  and  other  funds provided to these groups; and
- (g) whether  the  Government  keeps  track  of  the  funds  through institutional mechanism of community based monitoring, if so, the details thereof?

## ANSWER

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

(a): Deendayal Antyodaya Yojana-National Rural Livelihood Mission (DAY-NRLM) is being implemented across 28 districts and 660 blocks in Andhra Pradesh, including the Anakapalli Lok Sabha Constituency. In  Andhra  Pradesh,  the  mission  is  implemented  by  the  Society  for Elimination of Rural Poverty (SERP).

- (b): A  total  of  58.41  lakh  households  have  been  mobilised  into 8,34,072 Self-Help Groups (SHGs). These SHGs have been institutionalised into 27,426 Village Organisations (VOs), 660 Mahila Samakhyas  (Cluster Level Federations -CLFs), and 26 Zilla Samakhyas at the district level.

In the Anakapalli Lok Sabha Constituency, 4,14,097 rural poor households have been mobilised into 39,096 Self-Help Groups (SHGs), which are further organised into 1,277 Village Organizations (VOs) and 24 Cluster Level Federations (CLFs).

- (c): The  details  of  credit  accessed  by  women  SHGs  from  banks since 2013-14 and the details of Non-Performing Assets (NPAs) in respect of loans availed by women SHGs from banks are placed at Annexure-I and Annexure-II respectively.
- (d): Under the DAY-NRLM guidelines, loans to SHGs are primarily provided through the group-based lending model under the SHG-Bank Linkage  Programme.  Banks  assess  the  creditworthiness  of  SHGs based  on  group  performance  (grading),  savings  behaviour,  and repayment track record. Loans to women SHGs under DAY-NRLM are provided by banks as per the guidelines issued by the Reserve Bank of  India  through  its  annual  Master  Circular.  Loans  to  individual women  SHG  members  are  extended  in  accordance  with  the  loan policies and guidelines of the respective banks.
- (e): The  Government  of  Andhra  Pradesh  has  identified  21,37,892 SHG members as potential Lakhpati Didis, out of which  21,12,195 SHG members have already been transformed into Lakhpati Didis as of date.
- In Anakapalli District 65,462 SHG members have been transformed into Lakhpati Didis.

In the Anakapalli Lok Sabha Constituency, several interventions,  including  skill  development,  enterprise  promotion, financial support, and market linkages, are being provided to SHG women to enhance their incomes and promote non-farm livelihood activities.

Enterprise Promotion:-

- i)  PMFME  (Prime  Minister  Formalisation  of  Micro  Food  Processing Enterprises) is one of the major programmes  contributing to enterprise promotion activities in Andhra Pradesh State.

- ii) Skill development training is provided to Seed Capital beneficiaries in  areas  such  as  packaging,  branding,  marketing,  and  business management.
- iii) Market linkage support is also provided to women entrepreneurs through platforms such as ONDC  (Open Network for Digital Commerce), National-level SARAS exhibitions, and local marketing initiatives.
- iv)  In  addition,  training  and  capacity-building  programmes  are conducted for entrepreneurs on Udyam registration, FSSAI certification,  PAN  and  GST  registration,  preparation  of  Detailed Project  Reports  (DPRs),  value  chain  development,  and  business planning.
- f) Under  DAY-NRLM,  along  with  State  Government  projects  in Andhra Pradesh, a total amount of ₹832.88 crores has been provided to SHGs as capitalisation support in the form of Revolving Fund (RF) and Community Investment Fund (CIF). This support is provided as a 'resource in  perpetuity'  to  meet  the  credit  and  livelihood  needs  of SHG members.
- g) The  Government  monitors  the  implementation  of  DAY-NRLM through  a  robust  community-based  monitoring  mechanism.  SHGs, VOs, and CLFs maintain records of financial transactions, which are digitally tracked through the SHG Mobile Bookkeeping App. Programme  activities  are  regularly  monitored  through  periodic reviews and the Management Information System (MIS). In addition, social  audit  processes  are  conducted  to  ensure  transparency  and accountability in the programme's implementation in the Anakapalli Lok Sabha Constituency.

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ANNEXURE I

ANNEXURE  REFERRED  TO  IN  REPLY  to  Part  (c)  OF  LOK  SABHA UNSTARRED QUESTION NO. 2988 TO BE ANSWERED ON 10.03.2026 REGARDING 'Status of DAY-NRLM'.

The details of credit mobilized by SHGs, VOs and CLFs till January, 2026 under DAY-NRLM

(Rs. Crores)

| S.No.   | State/UTs                                |           Amount |
|---------|------------------------------------------|------------------|
| 1.      | Andaman & Nicobar Islands                |     19.9         |
| 2.      | Andhra Pradesh                           | 334341           |
| 3.      | Arunachal Pradesh                        |    211.8         |
| 4.      | Assam                                    |  23802.7         |
| 5.      | Bihar                                    |  65367.8         |
| 6.      | Chattisgarh                              |  11418.5         |
| 7.      | Goa                                      |    423.31        |
| 8.      | Gujarat                                  |   4253.49        |
| 9.      | Haryana                                  |   2577.42        |
| 10.     | Himachal Pradesh                         |   1324.25        |
| 11.     | Jammu & Kashmir                          |   3063.92        |
| 12.     | Jharkhand                                |  18701.9         |
| 13.     | Karnataka                                | 170866           |
| 14.     | Kerala                                   |  46056.4         |
| 15.     | Ladakh                                   |      5.71        |
| 16.     | Lakshadweep                              |      3.8         |
| 17.     | Madhya Pradesh                           |  16773.8         |
| 18.     | Maharashtra                              |  48333.9         |
| 19.     | Manipur                                  |    210           |
| 20.     | Meghalaya                                |    715.05        |
| 21.     | Mizoram                                  |    258.71        |
| 22.     | Nagaland                                 |    282.7         |
| 23.     | Odisha                                   |  61134.3         |
| 24.     | Puducherry                               |   1322.4         |
| 25.     | Punjab                                   |    749.86        |
| 26.     | Rajasthan                                |  12346.8         |
| 27.     | Sikkim                                   |    246.76        |
| 28.     | Tamil Nadu                               | 110328           |
| 29.     | Telangana                                | 134882           |
| 30.     | Dadra And Nagar Haveli and Daman and Diu |      9.91        |
| 31.     | Tripura                                  |   2354.59        |
| 32.     | Uttar Pradesh                            |  11207.8         |
| 33.     | Uttarakhand                              |   1673.84        |
| 34.     | West Bengal                              | 143567           |
| Total   | Total                                    |      1.22884e+06 |

## ANNEXURE  REFERRED  TO  IN  REPLY  to  Part  (c)  OF  LOK  SABHA UNSTARRED QUESTION NO. 2988 TO BE ANSWERED ON 10.03.2026 REGARDING 'Status of DAY-NRLM'.

## The details of Non-Performing Assets (NPAs) in women SHGs of the loan availed from Banks

| S.No. States & UTs                             |   NPA % |
|------------------------------------------------|---------|
| 1Andaman & Nicobar Islands                     |    3.45 |
| 2Andhra Pradesh                                |    0.6  |
| 3Arunachal Pradesh                             |    3.16 |
| 4Assam                                         |    0.87 |
| 5Bihar                                         |    1.3  |
| 6Chhattisgarh                                  |    2.08 |
| 7Goa                                           |    1.35 |
| 8Gujarat                                       |    4.38 |
| 9Haryana                                       |    3.77 |
| 10Himachal Pradesh                             |    1.53 |
| 11Jammu & Kashmir                              |    1.68 |
| 12Jharkhand                                    |    0.82 |
| 13Karnataka                                    |    2.73 |
| 14Kerala                                       |    2.94 |
| 15Ladakh                                       |    0    |
| 16Lakshadweep                                  |    0    |
| 17Madhya Pradesh                               |    2.42 |
| 18Maharashtra                                  |    2.82 |
| 19Manipur                                      |    3.39 |
| 20Meghalaya                                    |    7.08 |
| 21Mizoram                                      |    4.76 |
| 22Nagaland                                     |    1.9  |
| 23Odisha                                       |    1.39 |
| 24Puducherry                                   |    4.47 |
| 25Punjab                                       |    2.14 |
| 26Rajasthan                                    |    2.7  |
| 27Sikkim                                       |    0.45 |
| 28Tamil Nadu                                   |    3.66 |
| 29Telangana                                    |    2.1  |
| 30The Dadra And Nagar Haveli And Daman And Diu |    4.77 |
| 31Tripura                                      |    1.88 |
| 32Uttar Pradesh                                |    2.94 |
| 33Uttarakhand                                  |    1.77 |
| 34West Bengal                                  |    1.06 |
| Total                                          |    1.74 |

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