Lok Sabha Question No. 822 (UNSTARRED), answered on 2015-12-03
Subject: NRLM
Ministry: RURAL DEVELOPMENT
Asked by: JYOTI DHURVE, RAMESWAR TELI, RAYAPATI SAMBASIVA RAO, R. GOPALAKRISHNAN, VASANTHI M., RAJESHBHAI NARANBHAI CHUDASAMA, ALOK SANJAR

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

## LOK SABHA UNSTARRED QUESTION NO. 822

TO BE ANSWERED ON 03.12.2015

## NRLM

## 822 . SHRIMATI JYOTI DHURVE:

SHRI RAMESWAR TELI:

SHRI RAYAPATI SAMBASIVA RAO:

SHRI R. GOPALAKRISHNAN:

SHRIMATI VASANTHI M.:

SHRI RAJESHBHAI CHUDASAMA:

SHRI ALOK SANJAR:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the  objectives  and  salient  features  of  the  National  Rural  Livelihood  Mis (NRLM);
- (b) thedetails of funds allocated, released and expenditure incurred along with the fixed under the scheme during the last three  years and the current year; Stat -wise;
- (c) whetherthe Government has made any evaluation/review of the scheme in terms of shortfall  and  achievements'  made  during  the  said  period;  if  so,  the  details  a outcome thereof;
- (d) whether the scheme has been able to ameliorate the conditions of the rural people in the country; and
- (e) if so, the details thereof and if not, the reasons therefor and the further s taken by the Government in this direction?

## MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT

## ANSWER (SHRI SUDARSHAN BHAGAT)

- (a ) : National Rural Livelihoods Mission (NRLM) is a centrally sponsored scheme which is  being  implemented  in  all  States  and  in  one  Union  Territory  (Puducherry).  NRLM  w launched in June 2011. The key features of NRLM are as follows: -
- 1) Mobilization of at lea st one woman member from each rural poor household in the country into Self Help Group ( SHG )network in a phased manner;
- 2) Promotion of SHG federations at village and cluster levels -Village Level Self Help Group  Federations    (VLF)  at  village  level  and  Clus ter  Federation  (CF)  at  cluster (groups of villages) level;
- 3) Provision of continuous and intensive capacity building to SHGs and Self Help Gro Federations at village and cluster levels;
- 4) Provision  of  Revolving  Fund  (RF)  support  at  the  rate  of  Rs.  10,000 -15,000  per eligible SHG to supplement own funds;
- 5) Provision of Vulnerability Reduction Fund (VRF) as per norms to eligible VLF meet  community  level  food  security,  health  and  nutrition  security  and  such  o priority needs of the poor households;
- 6) Provis ion  of  an  Community  Investment  Support  Fund  (CIF)  as  per  norms  to  each eligible Cluster Level Federation (CLF), from which VLFs and SHGs can borrow for meeting consumption and production credit needs of their members;
- 7) Intensive support to link each SHG to Bank credit such that each SHG member would be able to leverage a cumulative bank credit of Rs. 1.00 lakh over a period of years;
- 8) All  women  SHGs  in  select  150  districts,  which  include  all  IAP  districts,  wil eligible to avail credit at 7% interes t up to the maximum credit outstanding of Rs. 3 lakh. Women SHGs who will repay in time will get an additional subvention of 3% reducing the effective rate of interest to 4%.
- 9) For the remaining districts which are not part of the 150 districts mentioned a bove, all the women SHGs, where members are from the NRLM target group, will be eligible for  interest  subvention  to  avail  the  credit  at  7%  per  annum,  up  to  the outstanding of Rs. 3.00 lakh against prompt repayment. This is subject to availa offunds..
- 10)25% of NRLM allocation is earmarked for Skill Development (now DeenDayalUpadhayayGrameenKaushalYojana [DDU-GKY]) which proposes to make skill acquisition aspirational amongst the rural poor, thereby helping to c highly skilled and productiv e work force. There is mandatory assured placement to 75% of the trained candidates.
- 11)Mahila Kisan Sashaktikaran Pariyojana (MKSP) one of the components of NRLM promote agriculture based livelihoods of rural women by strengthening communit institutions of poor women farmers to achieve sustainable agriculture. MKSP focuses on agriculture, non - timber forest produces and livestock interventions.
- 12)Rural  Self  Employment  Training  Institute  (RSETI)  is  also  a  sub  component  o NRLM.  NRLM  provides  support  for  establis hing  Rural  Self  Employment  Training Institutes one in each district of the country in collaboration with the banks State Governments.
- 13)The Government has recently launched Start - up Village Entrepreneurship Programme (SEVP) which aims to provide opportunities to build upon the NRLM ecosystem that provides an impulse to entrepreneurial pursuits.

(b) : A statement indicating status of State - wise allocation, Release Expenditure under NRLM for the year 2012 - 13 & 2013 - 14 and for the year 2014 - 15 & 201516 is given at Annexure I(a) &I(b), respectively.

and

- (c) : A reviewof the implementation of the Mission in some States was conducted during January - February 2015. It was found that the targets for mobilization of the poor int SHGs  and  federations  were  achieved  in  all  States  and  about  50%  of  the  member mobilized belong to the SCs and STs and minority groups. The reviewhowever revealed that:
- i) disbursal  of  capital  supp ort  to  the  SHGs  and  their  federations  needs  to  be augmented;
- ii) there is a lag between the number of eligible SHGs for bank credit and the num actually provided bank credit ,and
- iii)there is need  for  greater focus on promoting the livelihoods of the p oor through appropriate technical and capital support.

After review the f ollowing measures have been taken : -

- i) Procedures for disbursal of community funds simplified.
2. ii) Dedicated funds are being created for promoting financial inclusion of the SH l ivelihoods  of  the  poor,  and  for  pr om ting  convergence  with  other  Government programmes,
3. iii)A concerted effort is being made to sensitize the bankers on SHG bank linkage and to promote regular repayment practice among the SHGs
4. iv) A new initiative viz. I ntensive Participatory Planning Exercise -II(IPPE- II) has been launched  to  focus  on  the  livelihoods  of  the  individual  households.  This  invo dovetailing of funds/benefits of NRLM, Mahatma Gandhi National Rural Employment Guarantee Act (MG NREGA ) Indira AwaasYojana (IAY ) , DeenDayalUpadhyayaKaushalyaYojana  ( DDU - GKY ) and National  Social Assistance Pragramme ( NSAP )for households identified through Gram Sabha.
- v) Additional funds are proposed to be provided to North Eastern States.

(d) & (e) : NRLM was l aunched only on 3 rd June 2011. Simultaneously, SwarnjayantiGram SwarozgarYojana (SGSY) was also under implementation till 31st March, 2013.  From  1st  April,  2013,  SGSY  ceased  to  exist . Since,  this  is  a  process  intensive programme and the programme has been fully in operation only from 1.4.2013, it is too earl to make a n impact assessment study of the programme.

********

## Annexure-I (a)

## Annexure-I(a) referred in reply to part(b) of the Lok sabha Unstarred Question No. 822 for answer on 03.12.2015

## Status of Statewise Allocation, Release and Expenditure under NRLM

(Rs.in Lakh)

| Sl. No.   | States/Uts       | 2012-13            | 2012-13         | 2012-13         | 2012-13      | 2013-14            | 2013-14         | 2013-14         | 2013-14      |
|-----------|------------------|--------------------|-----------------|-----------------|--------------|--------------------|-----------------|-----------------|--------------|
| Sl. No.   | States/Uts       | Central Allocation | Central Release | Central Release | Expenditure* | Central Allocation | Central Release | Central Release | Expenditure* |
| Sl. No.   | States/Uts       | NRLM               | NRLM            | NRLP            | Expenditure* | NRLM               | NRLM            | NRLP            | Expenditure* |
| 1         | 2                | 3                  | 4               | 5               | 6            | 7                  | 8               | 9               | 11           |
| 1         | Andhra Pradesh   | 11623.00           | 15141.90        | 399.00          | 19343.00     | 23466.00           | 22063.98        | 1691.93         | 31738.25     |
| 2         | Bihar            | 27649.00           | 13825.00        | 6969.00         | 6364.17      | 19616.00           | 3060.50         | 63.07           | 16804.78     |
| 3         | Chattisgarh      | 6141.00            | 7871.62         | 1348.445        | 8681.03      | 4405.00            | 2202.50         | 1234.2          | 16804.78     |
| 4         | Goa              |                    |                 |                 |              |                    |                 |                 |              |
| 5         | Gujarat          | 4375.00            | 2279.00         | 1841.00         | 8574.58      | 3201.00            | 490.50          |                 | 2273.01      |
| 6         | Haryana          |                    |                 |                 |              | 2028.00            | 731.20          |                 | 550.00       |
| 7         | Himachal Pradesh |                    |                 |                 |              | 966.00             | 394.03          |                 |              |
| 8         | Jammu & Kashmir  |                    |                 |                 |              | 3552.94            | 2837.79         |                 | 1373.00      |
| 9         | Jharkhand        | 10425.00           | 5212.50         | 1120.93         | 5891.36      | 7423.00            | 1136.50         | 3401.13         | 4854.99      |
| 10        | Karnataka        |                    |                 | 78.27           |              | 9489.00            | 4744.50         | 1167.94         | 1913.55      |
| 11        | Kerala           | 3938.00            | 3586.40         | 225.00          | 1643.72      | 4537.00            | 3272.00         | 301.35          | 3737.69      |
| 12        | Madhya Pradesh   | 13156.00           | 15940.38        | 3763.74         | 16370.77     | 9305.00            | 4497.00         | 4643.74         | 11120.76     |
| 13        | Maharashtra      | 17349.00           | 9900.25         | 3979.00         | 17040.62     | 12866.00           | 6433.00         | 3998.30         | 12968.53     |
| 14        | Odisha           | 13294.00           | 10489.02        | 2389.84         | 9477.08      | 10655.00           | 3692.50         | 1250.00         | 5239.82      |
| 15        | Punjab           | 1251.00            | 974.68          |                 |              | 1020.00            | 494.31          |                 | 1371.00      |
| 16        | Rajasthan        | 6664.00            | 3332.00         | 1493.63         | 12433.04     | 5276.00            | 974.00          |                 | 1749.02      |
| 17        | Tamil Nadu       | 10277.00           | 9831.76         | 3279.10         | 1712.89      | 11679.00           | 5839.50         | 1414.50         | 7139.44      |
| 18        | Telengana        |                    |                 |                 |              |                    |                 |                 |              |

| 19   | Uttar Pradesh        |           |           | 200.00   |           | 28747.00   | 5731.50   | 2618.43   | 574.25    |
|------|----------------------|-----------|-----------|----------|-----------|------------|-----------|-----------|-----------|
| 20   | Uttarakhand          |           |           |          |           | 1634.00    | 699.13    |           | 59.00     |
| 21   | West Bengal          |           |           | 155.26   | 43.78     | 11558.00   | 5236.20   | 4172.64   | 5430.55   |
| 22   | Pondicherry          |           |           |          |           |            | 0.00      |           |           |
|      | TOTAL                | 126142.00 | 98384.51  | 27242.20 | 107576.04 | 171423.94  | 74530.64  | 25957.23  | 125702.42 |
|      | NORTH EASTERN STATES |           |           |          |           |            |           |           |           |
| 23   | Arunachal Pradesh    |           |           |          |           |            | 358.21    |           |           |
| 24   | Assam                | 16194.00  | 10847.37  | 4357.80  | 5304.28   | 18897.00   | 5329.93   | 3445.01   | 6278.73   |
| 25   | Manipur              |           |           |          |           | 1328.00    | 178.19    |           |           |
| 26   | Meghalaya            | 1216.00   |           |          |           | 1462.00    | 640.42    |           | 47.92     |
| 27   | Mizoram              | 281.00    | 140.48    |          |           | 472.00     | 279.31    |           | 298.00    |
| 28   | Nagaland             | 834.00    |           |          |           | 1046.00    | 1441.04   |           | 733.00    |
| 29   | Sikkim               |           |           |          |           | 459.00     | 145.01    |           |           |
| 30   | Tripura              |           |           |          |           | 2643.00    | 1317.74   |           |           |
|      | TOTAL                | 18525.00  | 10987.85  | 4357.80  | 5304.28   | 26307.00   | 9689.85   | 3445.01   | 7357.65   |
|      | GRAND TOTAL          | 144667.00 | 109372.36 | 31600.00 | 112880.32 | 197730.94  | 84220.49  | 29402.24  | 133060.07 |

*Expenditure Against Total Available Funds which also includes State share, Opening Balance and Misc. Receipts

## Annexure-I (b)

## Annexure-I(b) referred in reply to part(b) of the Lok sabha Unstarred Question No. 822 for answer on 03.12.2015

## Status of Statewise Allocation, Release and Expenditure under NRLM

(Rs.in Lakh)

| 2014-15            | 2014-15         | 2014-15         | 2014-15      | 2015-16            | 2015-16         | 2015-16         | 2015-16             |
|--------------------|-----------------|-----------------|--------------|--------------------|-----------------|-----------------|---------------------|
| Central Allocation | Central Release | Central Release | Expenditure* | Central Allocation | Central Release | Central Release | Expenditure* (As on |
| NRLM               | NRLM            | NRLP            |              | NRLM               | NRLM            | NRLP            | 30.09.15)           |
| 12                 | 13              | 14              | 16           | 17                 | 18              | 19              | 21                  |
| 20301.00           | 8157.36         | 0.00            | 4069.20      | 2680.53            | 1340.27         | 876.70          | 338.29              |
| 10142.00           | 0.00            | 10909.50        | 58730.92     | 5690.71            | 0.00            | 5320.00         | 19640.74            |
| 2208.00            | 0.00            | 3255.00         | 5441.06      | 1265.58            | 0.00            | 1490.00         | 2748.13             |
|                    |                 |                 |              | 153.75             |                 |                 |                     |
| 1652.00            | 0.00            | 2046.00         | 3075.85      | 916.37             | 0.00            | 501.32          | 1084.94             |
| 1009.00            | 0.00            | 0.00            | 1732.78      | 546.41             | 231.22          | 0.00            | 259.40              |
| 466.00             | 0.00            | 0.00            | 455.60       | 231.68             | 0.00            | 0.00            | 143.29              |
| 4871.00            | 3750.00         | 0.00            | 4560.81      | 2031.38            | 1000.00         | 0.00            | 2448.20             |
| 3692.00            | 0.00            | 5778.87         | 11620.64     | 2143.55            | 0.00            | 3742.50         | 9264.81             |
| 5606.00            | 601.35          | 829.50          | 3775.01      | 2191.83            | 1091.42         | 740.00          | 3098.87             |
| 2396.00            | 677.17          | 1296.72         | 3447.86      | 977.90             | 353.77          | 1001.73         | 1024.87             |
| 4719.00            | 0.00            | 10560.00        | 17216.17     | 2709.81            | 0.00            | 3382.50         | 4890.64             |
| 6732.00            | 0.00            | 1516.00         | 15776.32     | 3651.46            | 1558.55         | 2257.50         | 5273.59             |
| 5730.00            | 0.00            | 0.00            | 7738.92      | 2854.41            | 0.00            | 0.00            | 5573.26             |
| 484.00             | 0.00            | 0.00            | 677.21       | 262.72             | 0.00            | 0.00            | 275.35              |
| 2754.00            | 0.00            | 0.00            | 1205.13      | 1417.07            | 0.00            | 0.00            | 1011.55             |
| 7329.00            | 826.00          | 2534.59         | 20508.87     | 2602.08            | 1384.81         | 550.00          | 8002.44             |
|                    | 6585.44         | 0.00            | 229.61       | 1915.71            | 957.86          | 0.00            | 199.09              |

|   14223.00 |     0.00 |     0.00 |   5658.06 |   8261.14 |   3575.83 |   995.00 |   8953.40 |
|------------|----------|----------|-----------|-----------|-----------|----------|-----------|
|        772 |     0    |     0    |    450.32 |    434.61 |      0    |      0   |      0    |
|       7028 |  2016.68 |  3617.25 |   8847.28 |   3221.3  |   1327.15 |   1000   |   3074.68 |
|        350 |   135.34 |     0    |      0    |    475    |      0    |      0   |      0    |
|     102464 | 22749.3  | 42343.4  | 175218    |  46635    |  12820.9  |  21857.2 |  77305.5  |
|        226 |     0    |     0    |      0    |    161.82 |      0    |      0   |      0    |
|       7103 |     0    |     0    |   7997.2  |   4588.89 |      0    |    500   |   3969.9  |
|        467 |     0    |     0    |    206.74 |    285.71 |      0    |      0   |      0    |
|        467 |     0    |     0    |     22.11 |    319    |      0    |      0   |     90.44 |
|        207 |    64    |     0    |    239.76 |     74.75 |     32.52 |    354.5 |     65.67 |
|        318 |   185    |     0    |    968.35 |    221.66 |      0    |    789.5 |     88.45 |
|        146 |     0    |     0    |      0    |     82.43 |      0    |      0   |      0    |
|        866 |     0    |     0    |    414.7  |    535.74 |      0    |      0   |     76.44 |
|       9800 |   249    |     0    |   9848.86 |   6270    |     32.52 |   1644   |   4290.9  |
|     112264 | 22998.3  | 42343.4  | 185066    |  52905    |  12853.4  |  23501.2 |  81596.4  |