Lok Sabha Question No. 1136 (UNSTARRED), answered on 2015-12-04
Subject: SHGs
Ministry: FINANCE
Asked by: BALKA SUMAN, SUNIL KUMAR MONDAL

## 1136. SHRI SUMAN BALKA: SHRI SUNIL KUMARMONDAL:

Will the Minister of FINANCE be pleased to state:

- a) the number of Self-Help Groups (SHGs) functioning in the country which have been compiled under the SHG-Bank Linkage Programme as on date, State-wise;
- c) the amount of loan sanctioned/pending and disbursed by the said banks and the time by which the pending applications are likely to be cleared?
- b) the number of SHGs who applied for loan from the nationalised banks for starting/continuing their own business/industries during each of the last three years and the current year, bank and State-wise including West Bengal; and

## ANSWER

## (MINISTER OF STATE IN THE MINISTRY OF FINANCE) (SHRI JAYANT SINHA)

- (a) The number of Self Help Groups functioning under NABARD implemented SHG Bank Linkage Programme as on 31 st March 2015 is 76.97 lakh. The Statewise details are given in Annexure I.
- (b) The number of Self Help Groups who applied for loan from the nationalized banks for starting / continue their own business/industries is not available with NABARD. However State-wise loan disbursed by the Commercial Banks (both PSBs and Pvt. Commercial Banks) during the last 3 years and the current year to SHGs are given in Annexure II .

## Govt. of India

## Ministry of Finance Department of Financial Services

## LOK SABHA UNSTARRED QUESTION No 1136 TO BE ANSWERED ON THE 04 th December, 2015 / Agrahayana 13, 1937 (SAKA)

SHGs

## QUESTION

****

Annexure I

State-wise detail of Self Help Group under SHG-Bank Linkage Programme as on 31.03.2015 for LSUSQ No 1136 for answer on 04.12.2015.

Progress under Microfinance - Savings of SHGs with Banks

Region-wise/ State-wise/ Agency-wise position as on 31 March 2015

(Amount Rs. lakh)

| Sr. No.              | Region/State     | Commercial   | Commercial           | Regional Rural Banks   | Cooperative    | Banks       |                |             | Total          | Total    |
|----------------------|------------------|--------------|----------------------|------------------------|----------------|-------------|----------------|-------------|----------------|----------|
|                      |                  | No. of SHGs  | Banks Savings Amount | No. of SHGs            | Savings Amount | No. of SHGs | Savings Amount | No. of SHGs | Savings Amount |          |
| NORTHERN REGION      |                  |              |                      |                        |                |             |                |             |                |          |
| 1                    | Chandigarh 90    |              | 4.21173              | 0                      | 0.00           |             | 0.00           | 90          | 4.21           |          |
| 2                    | Haryana Himachal | 20839        | 1694.36              | 17013                  | 1646.80        | 3801        | 309.92         | 41653       |                | 3651.08  |
| 3                    | Pradesh          | 14269        | 943.2459             | 9267                   | 746.00         | 14302       | 959.74         |             | 37838          | 2648.99  |
| 4                    | Jammu& Kashmir   | 6214         | 378.44               | 0                      | 0.00           | 0           | 0.00           | 6214        |                | 378.44   |
| 5                    | New Delhi        | 3290         | 694.8322             | 0                      | 0.00           | 0           | 0.00           |             | 3290           | 694.83   |
| 6                    | Punjab           | 12474        | 1378.506             | 6941                   | 457.00         | 6455        | 399.60         | 25870       |                | 2235.11  |
| 7                    | Rajasthan        | 106796       | 5689.5124            | 64602                  | 4569.51        | 74505       | 4120.41        | 245903      |                | 14379.43 |
|                      | Total            | 163972       | 10783.10823          | 97823                  | 7419.31        | 99063       | 5789.67        | 360858      |                | 23992.09 |
| NORTH EASTERN REGION |                  |              |                      |                        |                |             |                |             |                |          |
| 1                    | Assam            | 74666        | 5194.2653            | 192215                 | 4480.17        | 25190       | 268.63         | 292071      |                | 9943.07  |
| 2                    | Arunachal        | 873          | 76.65                | 1399                   | 102.61         | 1079        | 76.40          |             | 3351           | 255.66   |

|                | Pradesh          |        |            |        |          |        |          |         |           |
|----------------|------------------|--------|------------|--------|----------|--------|----------|---------|-----------|
| 3              | Manipur          | 4229   | 119.24     | 6473   | 77.68    | 0      | 0.00     | 10702   | 196.92    |
| 4              | Meghalaya        | 1317   | 110.54     | 4035   | 512.40   | 2558   | 239.76   | 7910    | 862.70    |
| 5              | Mizoram          | 180    | 6.126      | 6784   | 295.06   | 517    | 11.76    | 7481    | 312.95    |
| 6              | Nagaland         | 2880   | 273.0064   | 0      | 0.00     | 0      | 0.00     | 2880    | 273.01    |
| 7              | Sikkim           | 1128   | 158.4492   | 0      | 0.00     | 240    | 72.64    | 1368    | 231.09    |
| 8              | Tripura          | 8218   | 946.4869   | 0      | 0.00     | 0      | 0.00     | 8218    | 946.49    |
|                | Total            | 93491  | 6884.7638  | 210906 | 5467.92  | 29584  | 669.19   | 333981  | 13021.87  |
| EASTERN REGION |                  |        |            |        |          |        |          |         |           |
| 1              | A &NIslands (UT) | 295    | 20.1       | 0      | 0.00     | 4703   | 105.17   | 4998    | 125.27    |
| 2              | Bihar            | 135199 | 14716.41   | 89270  | 14950.57 | 0      | 0.00     | 224469  | 29666.98  |
| 3              | Jharkhand        | 49442  | 6252.0875  | 32668  | 2239.40  | 28     | 1.03     | 82138   | 8492.52   |
| 4              | Odisha           | 200232 | 25266.929  | 170916 | 17935.87 | 80920  | 6501.00  | 452068  | 49703.80  |
| 5              | West Bengal      | 249234 | 33100.3998 | 182110 | 35599.93 | 329597 | 58647.60 | 760941  | 127347.93 |
|                | Total            | 634402 | 79355.9263 | 474964 | 70725.77 | 415248 | 65254.80 | 1524614 | 215336.50 |
| CENTRAL REGION |                  |        |            |        |          |        |          |         |           |
| 1              | Chattisgarh      | 31113  | 4199.8471  | 92794  | 12814.00 | 24386  | 940.29   | 148293  | 17954.14  |
| 2              | Madhya Pradesh   | 82874  | 7108.7871  | 135030 | 16511.20 | 7711   | 281.56   | 225615  | 23901.55  |
| 3              | Uttar Pradesh    | 126895 | 22702.1823 | 264348 | 12737.61 | 1033   | 35.87    | 392276  | 35475.66  |

| 4               | Uttarakhand    | 11440   | 2149.048661   | 20415   | 1533.85   | 19212   | 1355.51   | 51067   | 5038.41    |
|-----------------|----------------|---------|---------------|---------|-----------|---------|-----------|---------|------------|
|                 | Total          | 252322  | 36159.86516   | 512587  | 43596.66  | 52342   | 2613.23   | 817251  | 82369.76   |
| WESTERN REGION  |                |         |               |         |           |         |           |         |            |
| 1               | Goa            | 3880    | 405.88        |         |           | 3565    | 793.27    | 7445    | 1199.15    |
| 2               | Gujarat        | 130698  | 10952.8631    | 51454   | 4509.06   | 33687   | 2081.09   | 215839  | 17543.01   |
| 3               | Maharashtra    | 308852  | 29363.5134    | 115329  | 15664.43  | 293679  | 45352.88  | 717860  | 90380.82   |
|                 | Total          | 443430  | 40722.2565    | 166783  | 20173.49  | 330931  | 48227.24  | 941144  | 109122.99  |
| SOUTHERN REGION |                |         |               |         |           |         |           |         |            |
| 1               | Andhra Pradesh | 610750  | 216735.66     | 256758  | 40487.61  | 17000   | 5726.68   | 884508  | 262949.95  |
| 2               | Karnataka      | 392685  | 69488.5075    | 129690  | 12978.06  | 211929  | 47774.53  | 734304  | 130241.10  |
| 3               | Kerala         | 471144  | 51056.9154    | 51332   | 7297.00   | 62995   | 6170.66   | 585471  | 64524.57   |
| 4               | Lakshadweep    | 231     | 648.9         | 0       | 0.00      | 0       | 0.00      | 231     | 648.90     |
| 5               | Puducherry     | 9554    | 870.8854      | 3717    | 439.75    | 3370    | 247.88    | 16641   | 1558.52    |
| 6               | Tamil Nadu     | 744701  | 78449.0913    | 74848   | 5338.92   | 167733  | 19668.82  | 987282  | 103456.83  |
| 7               | Telangana      | 319139  | 71911.59      | 181907  | 20732.88  | 10138   | 6116.53   | 511184  | 98761.00   |
|                 | Total          | 2548204 | 489161.5496   | 698252  | 87274.22  | 473165  | 85705.10  | 3719621 | 662140.87  |
|                 | Grant Total    | 4135821 | 663067.4696   | 2161315 | 234657.37 | 1400333 | 208259.23 | 7697469 | 1105984.07 |

Source : NABARD

Annexure II

| State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   | State-wise detail of Loan Disbursed to Self Help Group under SHG-Bank Linkage Programme for LSUSQ No 1136 for answer on 04.12.2015. Banks(PSB&   |
|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                                  |                                                                                                                                                  | Loan disbursed by 2012-13                                                                                                                        | Loan disbursed by 2012-13                                                                                                                        | Commercial                                                                                                                                       | Commercial                                                                                                                                       | Private Bank) during                                                                                                                             | Private Bank) during                                                                                                                             | (Rs. in lakh)                                                                                                                                    | (Rs. in lakh)                                                                                                                                    |
| Sr. No.                                                                                                                                          | Region/State                                                                                                                                     |                                                                                                                                                  |                                                                                                                                                  | 2013-14                                                                                                                                          | 2013-14                                                                                                                                          | 2014-15                                                                                                                                          | 2014-15                                                                                                                                          | 2015-16 (upto October 2015)(provisional)@                                                                                                        | 2015-16 (upto October 2015)(provisional)@                                                                                                        |
|                                                                                                                                                  |                                                                                                                                                  | No. of SHGs                                                                                                                                      | Loans Disbursed Amount                                                                                                                           | No. of SHGs                                                                                                                                      | Loans Disbursed Amount                                                                                                                           | No. of SHGs                                                                                                                                      | Loans Disbursed Amount                                                                                                                           | No. of SHGs                                                                                                                                      | Loans Disbursed Amount                                                                                                                           |
| NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  | NORTHERN REGION                                                                                                                                  |
| 1                                                                                                                                                | Chandigarh                                                                                                                                       | 47                                                                                                                                               | 69.07                                                                                                                                            | 76                                                                                                                                               | 85.20                                                                                                                                            | 7                                                                                                                                                | 11.78                                                                                                                                            | 0                                                                                                                                                | 0.00                                                                                                                                             |
| 2                                                                                                                                                | Haryana                                                                                                                                          | 1243                                                                                                                                             | 1956.11                                                                                                                                          | 1012                                                                                                                                             | 1445.71                                                                                                                                          | 1845                                                                                                                                             | 3420.69                                                                                                                                          | 473                                                                                                                                              | 354.14                                                                                                                                           |
| 3                                                                                                                                                | Himachal Pradesh                                                                                                                                 | 927                                                                                                                                              | 1444.25                                                                                                                                          | 840                                                                                                                                              | 1233.87                                                                                                                                          | 1227                                                                                                                                             | 1924.47                                                                                                                                          | 1450                                                                                                                                             | 1177.55                                                                                                                                          |
| 4                                                                                                                                                | Jammu &Kashmir                                                                                                                                   | 880                                                                                                                                              | 587.74                                                                                                                                           | 94                                                                                                                                               | 83.32                                                                                                                                            | 1907                                                                                                                                             | 1197.77                                                                                                                                          | 0                                                                                                                                                | 0.00                                                                                                                                             |
| 5                                                                                                                                                | New Delhi                                                                                                                                        | 455                                                                                                                                              | 640.17                                                                                                                                           | 143                                                                                                                                              | 144.17                                                                                                                                           | 90                                                                                                                                               | 142.84                                                                                                                                           | 0                                                                                                                                                | 0.00                                                                                                                                             |
| 6                                                                                                                                                | Punjab                                                                                                                                           | 928                                                                                                                                              | 1401.73                                                                                                                                          | 542                                                                                                                                              | 668.58                                                                                                                                           | 1528                                                                                                                                             | 2479.85                                                                                                                                          | 768                                                                                                                                              | 7.70                                                                                                                                             |
| 7                                                                                                                                                | Rajasthan                                                                                                                                        | 8634                                                                                                                                             | 11017.04                                                                                                                                         | 8737                                                                                                                                             | 11701.00                                                                                                                                         | 11538                                                                                                                                            | 19887.52                                                                                                                                         | 4385                                                                                                                                             | 2806.77                                                                                                                                          |
|                                                                                                                                                  | Total                                                                                                                                            | 13114                                                                                                                                            | 17116.11                                                                                                                                         | 11444                                                                                                                                            | 15361.85                                                                                                                                         | 18142                                                                                                                                            | 29064.92                                                                                                                                         | 7076                                                                                                                                             | 4346.16                                                                                                                                          |
| NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             | NORTH EASTERN REGION                                                                                                                             |
| 1                                                                                                                                                | Assam                                                                                                                                            | 7427                                                                                                                                             | 5654.34                                                                                                                                          | 4444                                                                                                                                             | 3510.21                                                                                                                                          | 5446                                                                                                                                             | 6603.79                                                                                                                                          | 6797                                                                                                                                             | 4632.09                                                                                                                                          |
| 2                                                                                                                                                | Arunachal Pradesh                                                                                                                                | 36                                                                                                                                               | 74                                                                                                                                               | 43                                                                                                                                               | 72.67                                                                                                                                            | 13                                                                                                                                               | 24.20                                                                                                                                            | 0                                                                                                                                                | 0.00                                                                                                                                             |
| 3                                                                                                                                                | Manipur                                                                                                                                          | 382                                                                                                                                              | 209.24                                                                                                                                           | 148                                                                                                                                              | 76.69                                                                                                                                            | 52                                                                                                                                               | 40.49                                                                                                                                            | 0                                                                                                                                                | 0.00                                                                                                                                             |
| 4                                                                                                                                                | Meghalaya                                                                                                                                        | 103                                                                                                                                              | 109.51                                                                                                                                           | 68                                                                                                                                               | 59.36                                                                                                                                            | 15                                                                                                                                               | 15.00                                                                                                                                            | 100                                                                                                                                              | 57.60                                                                                                                                            |
| 5                                                                                                                                                | Mizoram                                                                                                                                          | 1                                                                                                                                                | 2                                                                                                                                                | 7                                                                                                                                                | 19.75                                                                                                                                            | 5                                                                                                                                                | 9.08                                                                                                                                             | 93                                                                                                                                               | 130.17                                                                                                                                           |
| 6                                                                                                                                                | Nagaland                                                                                                                                         | 282                                                                                                                                              | 393.82                                                                                                                                           | 150                                                                                                                                              | 271.14                                                                                                                                           | 69                                                                                                                                               | 150.63                                                                                                                                           | 0                                                                                                                                                | 0.00                                                                                                                                             |
| 7                                                                                                                                                | Sikkim                                                                                                                                           | 359                                                                                                                                              | 212.63                                                                                                                                           | 67                                                                                                                                               | 68.35                                                                                                                                            | 95                                                                                                                                               | 30.95                                                                                                                                            | 22                                                                                                                                               | 8.03                                                                                                                                             |
| 8                                                                                                                                                | Tripura                                                                                                                                          | 801                                                                                                                                              | 1250.67                                                                                                                                          | 396                                                                                                                                              | 192.23                                                                                                                                           | 400                                                                                                                                              | 271.33                                                                                                                                           | 308                                                                                                                                              | 118.55                                                                                                                                           |
|                                                                                                                                                  | Total                                                                                                                                            | 9391                                                                                                                                             | 7906.21                                                                                                                                          | 5323                                                                                                                                             | 4270.40                                                                                                                                          | 6095                                                                                                                                             | 7145.47                                                                                                                                          | 7320                                                                                                                                             | 4946.44                                                                                                                                          |
| EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   | EASTERN REGION                                                                                                                                   |
| 1                                                                                                                                                | A & N Islands (UT)                                                                                                                               | 82                                                                                                                                               | 109.9                                                                                                                                            | 57                                                                                                                                               | 98.14                                                                                                                                            | 20                                                                                                                                               | 11.38                                                                                                                                            | 53                                                                                                                                               | 24.65                                                                                                                                            |

| 2               | Bihar           | 18694           | 13052.84        | 19991           | 10705.85        | 20168           | 17819.28        | 21998           | 10268.10        |
|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|-----------------|
| 3               | Jharkhand       | 7835            | 6443.89         | 5426            | 2606.16         | 2654            | 2861.16         | 1073            | 381.59          |
| 4               | Odisha          | 16115           | 22217.02        | 27422           | 22973.35        | 31486           | 40487.89        | 17965           | 19327.33        |
| 5               | West Bengal     | 33247           | 22436.91        | 34969           | 23625.97        | 44883           | 26231.25        | 50000           | 27185.00        |
|                 | Total           | 75973           | 64260.56        | 87865           | 60009.47        | 99211           | 87410.95        | 91089           | 57186.67        |
| CENTRAL REGION  | CENTRAL REGION  | CENTRAL REGION  | CENTRAL REGION  | CENTRAL REGION  | CENTRAL REGION  | CENTRAL REGION  | CENTRAL REGION  | CENTRAL REGION  | CENTRAL REGION  |
| 1               | Chattisgarh     | 2076            | 3690.09         | 3969            | 5162.26         | 4067            | 4346.35         | 2050            | 17.74           |
| 2               | Madhya Pradesh  | 7910            | 8226.45         | 12416           | 9739.36         | 23064           | 26994.99        | 2079            | 1575.74         |
| 3               | Uttar Pradesh   | 15539           | 19312.52        | 10765           | 19443.38        | 23018           | 50864.85        | 4613            | 1249.22         |
| 4               | Uttarakhand     | 1417            | 1630.48         | 924             | 1026.19         | 895             | 1055.80         | 0               | 0.00            |
|                 | Total           | 26942           | 32859.54        | 28074           | 35371.19        | 51044           | 83261.99        | 8742            | 2842.70         |
| WESTERN REGION  | WESTERN REGION  | WESTERN REGION  | WESTERN REGION  | WESTERN REGION  | WESTERN REGION  | WESTERN REGION  | WESTERN REGION  | WESTERN REGION  | WESTERN REGION  |
| 1               | Goa             | 628             | 1199.4          | 540             | 1077.37         | 529             | 1052.30         | 17              | 0.00            |
| 2               | Gujarat         | 9304            | 7353.4          | 9016            | 7620.95         | 16163           | 20677.18        | 314             | 23.62           |
| 3               | Maharashtra     | 32388           | 38922.6         | 34127           | 50974.62        | 49819           | 67900.60        | 2363            | 2398.90         |
|                 | Total           | 42320           | 47475.4         | 43683           | 59672.94        | 66511           | 89630.08        | 2694            | 2422.52         |
| SOUTHERN REGION | SOUTHERN REGION | SOUTHERN REGION | SOUTHERN REGION | SOUTHERN REGION | SOUTHERN REGION | SOUTHERN REGION | SOUTHERN REGION | SOUTHERN REGION | SOUTHERN REGION |
| 1               | Andhra Pradesh  | 330750          | 745307.35       | 342322          | 909310.05       | 142890          | 360028.68       | 114491          | 338148.40       |
| 2               | Karnataka       | 87325           | 130331.44       | 114874          | 187899.61       | 160210          | 356153.32       | 48045           | 123845.92       |
| 3               | Kerala          | 43536           | 69319.68        | 36516           | 92967.50        | 49408           | 102266.93       | 0               | 0.00            |
| 4               | Lakshadweep     | 1               | 1               | 1               | 0.30            | 0               | 0.00            | 0               | 0.00            |
| 5               | Puducherry      | 3455            | 6003.85         | 3196            | 4359.43         | 863             | 2162.85         | 0               | 0.00            |
| 6               | Tamil Nadu      | 102770          | 217919.56       | 93955           | 234526.61       | 116787          | 296021.55       | 23386           | 51399.10        |
| 7               | Telangana       |                 |                 |                 |                 | 144563          | 320265.92       | 42030           | 105145.00       |
|                 | Total           | 567837          | 1168882.88      | 590864          | 1429063.50      | 614721          | 1436899.25      | 227952          | 618538.42       |
|                 | Grand Total     | 735577          | 1338500.7       | 767253          | 1603749.35      | 855724          | 1733412.66      | 344873          | 690282.91       |

Note:  Data includes SHGs formed and credit linked under WSHG Fund also Source: NABARD