Lok Sabha Question No. 1162 (UNSTARRED), answered on 2015-07-28
Subject: Scheme for Women
Ministry: SOCIAL JUSTICE AND EMPOWERMENT
Asked by: BAHADUR SINGH KOLI

**GOVERNMENT OF INDIA**

**MINISTRY OF SOCIAL JUSTICE & EMPOWERMENT**

**LOK SABHA**

#### 

#### UNSTARRED QUESTION NO. †1162

#### TO BE ANSWERED ON 28.07.2015

**†1162. SCHEME FOR WOMEN**

**SHRI BAHADUR SINGH KOLI:**

**Will the Minister of SOCIAL JUSTICE AND EMPOWERMENT be pleased to state:**

(a) whether the Government has launched/is considering to launch any scheme for upliftment and development of women belonging to SC/OBC community;

(b) if so, the details and objectives of the said scheme and the quantum of funds allocated by the Government thereunder; and

(c) the number of women benefitted so far, particularly in the State of Rajasthan during the last one year, State-wise?

**ANSWER**

MINISTER OF STATE FOR Social Justice and Empowerment

**(SHRI KRISHAN PAL GURJAR)**

(a) In respect of SC community, National Scheduled Castes Finance and Development Corporation (NSFDC), inter-alia, provides concessional loans to the eligible beneficiaries belonging to Scheduled Caste (SC) through State Channelising Agencies (SCAs) nominated by respective State Governments / UT Administration.

NSFDC has launched the following schemes exclusively for women  belonging to SC:

1. MahilaSamriddhiYojana (MSY)
2. MahilaKisanYojana (MKY)
3. NariAarthikSashtrikaranYojana (NASY)

For the OBCs, the National Backward Classes Finance & Development Corporation (NBCFDC) provides loans for eligible women beneficiaries of Other Backward Classes through State Channelising Agencies (SCAs) under following schemes:-

i) New Swarnima

ii) MahilaSamriddhiYojana

(b) & (c) The details are annexed as **Annexure-I, Annexure-II, Annexure-III, Annexure-IV and Annexure-V.**

**Annexure I**

**LOK SABHA UNSTARRED QUESTION No. 1162 FOR 28.07.2015 ‘SCHEME FOR WOMEN’ BY HON’BLE MP SHRI BAHADUR SINGH KOLI.**

**Objectives** **:** Broad objective of these Schemes is empowerment and economic development of women belonging to Scheduled Castes (SC) by encouraging their participation in income generating activities.

**Details of the Schemes  forwomen belonging to Scheduled Castes (SC):**

1. **MahilaSamriddhiYojana (MSY)** **:** Under MahilaSamriddhiYojana, NSFDC provides financial assistance to eligible woman beneficiaries who are running or wish to start small business and has small requirement of funds :

| **Scheme**                                       | **Unit Cost**   | **Maximum Loan limit upto 90% of Unit Cost**   | **Interest  Per Annum**   | **Repayment    Period**   |
|--------------------------------------------------|-----------------|------------------------------------------------|---------------------------|---------------------------|
| MahilaSamriddhiYojana (MSY)  (w.e.f. 01.10.2003) | uptoRs. 50,000  | Rs.  45,000                                    | 4%                        | Within 3 Years            |

1. **MahilaKisanYojana (MKY)** **:** Under MahilaKishanYojana, NSFDC provides financial assistance to eligible woman beneficiaries who are engaged in agriculture or allied activities and has small requirement of funds :

| **Scheme**                                   | **Unit Cost**   | **Maximum Loan limit upto 90% of Unit Cost**   | **Interest  Per Annum**   | **Repayment    Period**   |
|----------------------------------------------|-----------------|------------------------------------------------|---------------------------|---------------------------|
| MahilaKisanYojana (MKY)  (w.e.f. 01.05.2008) | upto Rs. 50,000 | Rs. 45,000                                     | 5%                        | Within 10 years           |

**III** **NariArthikSashaktikaranYojana (NASY)** **:** Scheme to support Single Women/Widows/Women who are head of their families to take up income generating activities and improve their socio-economic status.

| **Scheme**                                                | **Unit Cost**                                                                                                                                                                                                                                                      | **Maximum Loan limit upto 90% of Unit Cost**                                                                                                                                                                                                                       | **Interest  Per Annum**   | **Repayment    Period**         |
|-----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------|---------------------------------|
| NariArthikSashaktikaranYojana (NASY)  (w.e.f. 08.02.2013) | Eligible women beneficiaries can avail financial assistance under any of the NSFDC schemes as per unit cost prescribed for those schemes.  Provision for hand holding grant of 2% of the loan amount subject to maximum of Rs.4,000/- per unit, is also available. | Eligible women beneficiaries can avail financial assistance under any of the NSFDC schemes as per unit cost prescribed for those schemes.  Provision for hand holding grant of 2% of the loan amount subject to maximum of Rs.4,000/- per unit, is also available. | 4%                        | As prescribed under the schemes |

**Annexure II**

**LOK SABHA UNSTARRED QUESTION No. 1162 FOR 28.07.2015 ‘SCHEME FOR WOMEN’ BY HON’BLE MP SHRI BAHADUR SINGH KOLI.**

# “NEW SWARNIMA”

**Objectives**

Inculcating the spirit of self-dependence among the women of Backward classes living below double the poverty line under Term Loan.

**Salient Features**

- The target group of the “New Swarnima” scheme of NBCFDC is the women belonging to Backward Classes living below double the poverty line .

- The beneficiary women is not required to invest any amount of her own on the projects upto cost of Rs.1, 00,000/.

- The rate of interest on the amount of loan is less as compared to the general loan scheme of the Corporation.

#### Eligibility

- The women belonging to Backward Classes as notified by the Central / State Governments from time to time shall be eligible for loan under this scheme.

- The annual family income of the applicant should be below Rs.1,03,000/- p.a. in urban areas and Rs.81, 000/- p.a. in rural areas.

**Maximum Loan Amount** Rs.1.00 Lakh (Per beneficiary)

#### Pattern of Financing

NBCFDC Loan							95%

SCA Contribution						05%

#### Rate of Interest

From NBCFDC to SCA						 2% p.a.

SCA to beneficiary					             5% p.a.

**Repayment**

Loan is to be repaid in quarterly instalments with maximum 10 years (including the moratorium period of six months on the recovery of principal).

Contd….

-2-

**MAHILA SAMRIDDHI YOJANA**

**(Micro Finance Scheme for women)**

## Objectives

To provide Micro Finance to women entrepreneurs belonging to the OBCs.

### Salient Features of the Scheme

1.	Maximum loan limit per beneficiary 			:		Rs.50, 000/-

2.	Maximum number of women in one SHG		:		      20

#### Implementation

The scheme is to be implemented through SCAs in rural and urban areas by way of financing the women beneficiaries either directly or through Self-Help-Groups (SHGs).

#### Eligibility of the Beneficiary

Women belonging to the Backward Classes as notified by Central / State Govt. from time to time and living below double the poverty line (i.e. annual family income of the beneficiary should be less than Rs.1,03,000/- p.a. in urban areas and Rs.81, 000/- p.a. in rural areas.

Pattern of Finance

1. NBCFDC loan						:		95%
2. SCA/Beneficiary contribution				:		05%

#### Utilization Period

3 months from date of disbursement

#### Rate of Interest

1. From NBCFDC to SCA					:		1% p.a.
2. SCA to Beneficiary 					:		4% p.a.

#### Repayment

Loan is to be repaid in quarterly instalments within 48 months (including the moratorium period of six months on the recovery of principal).

**Annexure III**

**LOK SABHA UNSTARRED QUESTION NO. 1162 FOR 28.07.2015 ON ‘SCHEME FOR WOMEN’ BY HON’BLE MP SHRI BAHADUR SINGH KOLI.**

**State-wise details pertaining to quantum of funds disbursed by NSFDC and SC-women beneficiaries benefitted including Rajasthan towards the schemes exclusively for women for the last one year i.e. 2014-15.**

(Rs. In lakh)

| **S No.**   | **State**            | **Year 2014-15**   |                         |
|-------------|----------------------|--------------------|-------------------------|
|             |                      | **Amount**         | **Nos. of Beneficiary** |
| 1           | Andhra Pradesh       | 0.00               | 0                       |
| 2           | Assam                | 198.00             | 843                     |
| 3           | Bihar                | 1360.00            | 8000                    |
| 4           | Chandigarh           | 4.00               | 20                      |
| 5           | Chhattisgarh         | 72.00              | 200                     |
| 6           | Dadra N.Haweli,D&Diu | 0.00               | 0                       |
| 7           | Delhi                | 0.00               | 0                       |
| 8           | Goa                  | 0.00               | 0                       |
| 9           | Gujarat              | 900.00             | 2000                    |
| 10          | Haryana              | 0.00               | 0                       |
| 11          | Himachal Pradesh     | 0.00               | 0                       |
| 12          | Jammu & Kashmir      | 0.00               | 0                       |
| 13          | Jharkhand            | 0.00               | 0                       |
| 14          | Karnataka            | 150.00             | 1000                    |
| 15          | Kerala               | 155.20             | 388                     |
| 16          | Madhya Pradesh       | 0.00               | 0                       |
| 17          | Maharashtra          | 1220.00            | 3050                    |
| 18          | Manipur              | 0.00               | 0                       |
| 19          | Meghalaya            | 0.00               | 0                       |
| 20          | Mizoram              | 0.00               | 0                       |
| 21          | Odisha               | 0.00               | 0                       |
| 22          | Puducherry           | 0.00               | 0                       |
| 23          | Punjab               | 0.00               | 0                       |
| 24          | Rajasthan            | 250.00             | 625                     |
| 25          | Sikkim               | 11.25              | 25                      |
| 26          | Tamil Nadu           | 0.00               | 0                       |
| 27          | Telangana            | 0.00               | 0                       |
| 28          | Tripura              | 45.00              | 100                     |
| 29          | Uttar Pradesh        | 180.00             | 400                     |
| 30          | Uttarakhand          | 7.28               | 26                      |
| 31          | West Bengal          | 2000.00            | 17500                   |
|             | **Total :**          | **6552.73**        | **34177**               |

|                                                                                                                                                                       |                        |               |                             |                                     | **Annexure-IV**   |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------|---------------|-----------------------------|-------------------------------------|-------------------|
| **LOK SABHA UNSTARRED QUESTION NO. 1162 FOR 28.07.2015 ON ‘SCHEME FOR WOMEN’ BY HON’BLE MP SHRI BAHADUR SINGH KOLI.**                                                 |                        |               |                             |                                     |                   |
|                                                                                                                                                                       |                        |               |                             |                                     |                   |
| **STATEWISE DETAILS OF ASSISTANCE PROVIDED TO WOMEN UNDER NEW SWARNIMA SCHEME  BY STATE CHANELLISING AGENCIES (STATE) DURING 2014-15 AND CUMULATIVE UPTO 20.07.2015** |                        |               |                             |                                     |                   |
|                                                                                                                                                                       |                        |               | **Financial : Rs. in Lakh** |                                     |                   |
|                                                                                                                                                                       |                        |               |                             | **Physical : No. of Beneficiaries** |                   |
| **Sl. No.**                                                                                                                                                           | **Name of States/UTs** | **2014-2015** |                             | **CUMULATIVE**                      |                   |
|                                                                                                                                                                       |                        | **Financial** | **Physical**                | **Financial**                       | **Physical**      |
| 1                                                                                                                                                                     | Andhra Pradesh         | 0.00          | 0                           | 896.71                              | 72994             |
| 2                                                                                                                                                                     | Assam                  | 0.00          | 0                           | 59.71                               | 57                |
| 3                                                                                                                                                                     | Bihar                  | 0.00          | 0                           | 54.41                               | 158               |
| 4                                                                                                                                                                     | Chhattishgarh          | 19.95         | 40                          | 49.23                               | 96                |
| 5                                                                                                                                                                     | Goa                    | 0.00          | 38                          | 131.95                              | 94                |
| 6                                                                                                                                                                     | Gujarat                | 0.00          | 400                         | 666.27                              | 1885              |
| 7                                                                                                                                                                     | Haryana                | 47.50         | 0                           | 715.51                              | 2051              |
| 8                                                                                                                                                                     | Himachal Pradesh       | 12.08         | 82                          | 137.44                              | 317               |
| 9                                                                                                                                                                     | Jammu & Kashmir        | 90.00         | 250                         | 818.05                              | 1994              |
| 10                                                                                                                                                                    | Karnataka              | 106.86        | 5100                        | 10960.88                            | 107563            |
| 11                                                                                                                                                                    | Kerala                 | 775.00        | 2720                        | 4608.10                             | 14538             |
| 12                                                                                                                                                                    | Madhya Pradesh         | 0.00          | 0                           | 55.00                               | 550               |
| 13                                                                                                                                                                    | Maharashtra            | 5.23          | 190                         | 927.47                              | 2492              |
| 14                                                                                                                                                                    | Odisha                 | 0.00          | 0                           | 77.26                               | 164               |
| 15                                                                                                                                                                    | Punjab                 | 0.00          | 0                           | 111.80                              | 222               |
| **16**                                                                                                                                                                | **Rajasthan**          | **3.46**      | **7**                       | **694.70**                          | **1841**          |
| 17                                                                                                                                                                    | Sikkim                 | 0.00          | 0                           | 123.70                              | 277               |
| 18                                                                                                                                                                    | Tamil Nadu             | 178.50        | 1300                        | 1314.26                             | 4515              |
| 19                                                                                                                                                                    | Tripura                | 100.00        | 700                         | 309.00                              | 873               |
| 20                                                                                                                                                                    | Uttar Pradesh          | 0.00          | 1150                        | 1223.00                             | 1457              |
| 21                                                                                                                                                                    | Uttrakhand             | 0.00          | 20                          | 10.00                               | 20                |
| 22                                                                                                                                                                    | West Bengal            | 10.10         | 0                           | 369.78                              | 722               |
| 23                                                                                                                                                                    | Puducherry             | 0.00          | 0                           | 14.65                               | 151               |
|                                                                                                                                                                       | **Total**              | **1348.68**   | **11997**                   | **24328.88**                        | **215031**        |
|                                                                                                                                                                       |                        |               |                             |                                     |                   |

|                                                                                                                                 |                         |               |              |                                     | **Annexure-V**   |
|---------------------------------------------------------------------------------------------------------------------------------|-------------------------|---------------|--------------|-------------------------------------|------------------|
| **LOK SABHA UNSTARRED QUESTION NO. 1162 FOR 28.07.2015 ON ‘SCHEME FOR WOMEN’ BY HON’BLE MP SHRI BAHADUR SINGH KOLI.**           |                         |               |              |                                     |                  |
|                                                                                                                                 |                         |               |              |                                     |                  |
| **STATEWISE DETAILS OF ASSISTANCE PROVIDED UNDER  MAHILA SAMRIDHI YOJANA SCHEME DURING 2014-15 AND CUMULATIVE UPTO 20.07.2015** |                         |               |              |                                     |                  |
|                                                                                                                                 |                         |               |              | **Financial : Rs. In Lakh**         |                  |
|                                                                                                                                 |                         |               |              | **Physical : No. of Beneficiaries** |                  |
| **Sl. No.**                                                                                                                     | **Names of States/UTs** | **2014-2015** |              | **CUMULATIVE TOTAL**                |                  |
|                                                                                                                                 |                         | **Financial** | **Physical** | **Financial**                       | **Physical**     |
| 1                                                                                                                               | Assam                   | 900           | 6300         | 3375.00                             | 35004            |
| 2                                                                                                                               | Chattisgarh             | 0             | 0            | 15.20                               | 135              |
| 3                                                                                                                               | Gujarat                 | 100.00        | 1000         | 155.03                              | 2727             |
| 4                                                                                                                               | Goa                     | 0.00          | 0            | 0.00                                | 0                |
| 5                                                                                                                               | Haryana                 | 30.00         | 300          | 104.14                              | 2586             |
| 6                                                                                                                               | Himachal Pradesh        | 20.00         | 166          | 20.00                               | 231              |
| 7                                                                                                                               | Jammu & Kashmir         | 40.00         | 400          | 62.36                               | 1270             |
| 8                                                                                                                               | Jharkhand               | 0.00          | 0            | 10.20                               | 55               |
| 9                                                                                                                               | Karnataka               | 1241.00       | 5600         | 2466.09                             | 9680             |
| 10                                                                                                                              | Kerala                  | 2210.00       | 24452        | 8929.15                             | 127511           |
| 11                                                                                                                              | Madhya Pradesh          | 0.00          | 0            | 50.00                               | 200              |
| 12                                                                                                                              | Maharashtra             | 0.00          | 0            | 365.90                              | 10933            |
| 13                                                                                                                              | Manipur                 | 600.00        | 4200         | 1275.00                             | 11795            |
| **14**                                                                                                                          | **Rajasthan**           | **0.00**      | **0**        | **153.49**                          | **1330**         |
| 15                                                                                                                              | TamilNadu               | 4147.00       | 40632        | 31281.36                            | 447989           |
| 16                                                                                                                              | Tripura                 | 130.00        | 1300         | 164.85                              | 1581             |
| 17                                                                                                                              | Uttar Pradesh           | 300.00        | 1130         | 2177.00                             | 9030             |
| 18                                                                                                                              | Uttrakhand              | 0.00          | 0            | 0.00                                | 35               |
| 19                                                                                                                              | West Bengal             | 118.30        | 829          | 920.23                              | 8928             |
| 20                                                                                                                              | Puducherry              | 0.00          | 0            | 60.00                               | 720              |
|                                                                                                                                 | **Total**               | **9836.30**   | **86309**    | **51585.00**                        | **671740**       |
|                                                                                                                                 |                         |               |              |                                     |                  |