Lok Sabha Question No. 487 (UNSTARRED), answered on 2016-02-26
Subject: NABARD Scheme
Ministry: FINANCE
Asked by: LAXMAN GILUWA

## 487. SHRI LAXMAN GILUWA SHRI RAM TAHAL CHOUDHARY

Will the Minister of FINANCE be pleased to state:

- (a) whether the National Bank for Agriculture and Rural Development (NABARD) is implementing any schemes/programmes for the welfare of women in rural areas;
- (b) if so, the details there of, State-wise including Jharkhand during the last three years and the current year;
- (c) the amount of fund allocated to these scheme during the last three years, State- wise including Jharkhand and
- (d) the number of women benefited under these scheme during last three years, year-wise?

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

(a) & (b): The following schemes are being implemented by NABARD for the welfare of women in rural areas-

I.The Self Help Group -Bank Linkage Programme (SHG -BLP) is a cost effective mechanism primarily to deliver financial services to poor women as also to promote livelihood activities.

-  Under SHG-BLP, micro finance facilities i.e provision of financial services like savings, credit, insurance, remittance, mortgage and pension in small denomination is extended to women of low income and marginalized households.
-  This Programme continues to be the largest micro finance programme with an outreach of 10 crore rural households.
- II. A scheme for promotion and financing of Women Self Help Groups (WSHG) in association with GoI is being implemented across 150 backward and Left Wing Extremism (LWE) affected districts of the country.
- III. Micro Enterprise Development Programme (MEDP) initiated since 2006 under which SHG members are trained in livelihood activities such as bee-keeping, mushroom cultivation, horticulture and floriculture, vermi-compost etc. As on 31 March 2015, 3.5 lakh trainees from matured SHGs, mostly women have been trained at a cost of Rs. 31.04 crore.

The state-wise details including that of Jharkhand are given in Annexure I & II.

## Government of India Department of Financial Services Ministry of finance

## LOK SABHA UNSTARRED QUESTION NO. 487

## TO BE ANSWERED ON THE 26 th February 2016, Phalguna 7, 1937 (SAKA)

## NABARD SCHEME QUESTION

- (c): The state-wise loan disbursed by banks to SHGs during the last three years and current year i.e2015-16 (upto 31 December 2015) is given in Annexure III.
- (d): the number of women benefited under these schemes during last three years, year-wise as given under:

| Year    | No. of Women benefited(In Lakh)   |
|---------|-----------------------------------|
| 2012-13 | 10.37 (85%)                       |
| 2013-14 | 11.52 (84%)                       |
| 2014-15 | 14.48 (89%)                       |

*****

## Annexure I to reply of Lok Sabha Un Starred Question No. 487 for answer on 26th February 2016 -- NABARD Scheme

## Savings linkage under SHG BLP

(Amount Rs. lakh)

|         |                      | 2012-13              | 2012-13              | 2013-14     | 2013-14         | 2014-15     | 2014-15         | 2015-16 (upto Dec.15)   | 2015-16 (upto Dec.15)   |
|---------|----------------------|----------------------|----------------------|-------------|-----------------|-------------|-----------------|-------------------------|-------------------------|
| Sr. No. | Region/State         | No. of SHGs          | Savings- Amount      | No. of SHGs | Savings- Amount | No. of SHGs | Savings- Amount | No. of SHGs             | Savings- Amount         |
| A       | Northern Region      |                      |                      |             |                 |             |                 |                         |                         |
| 1       | Chandigarh           | 609                  | 95.11                | 468         | 130.96          | 90          | 4.21            | 0                       | 0                       |
| 2       | Haryana              | 42580                | 4030.73              | 43029       | 4559.02         | 41653       | 3651.08         | 1406                    | 0                       |
| 3       | Himachal Pradesh     | 53242                | 4277.92              | 37634       | 2732.43         | 37838       | 2648.99         | 1930                    | 47.36                   |
| 4       | Jammu & Kashmir      | 5796                 | 970.49               | 873         | 40.74           | 6214        | 378.44          | 2964                    | 356.36                  |
| 5       | New Delhi            | 3787                 | 348.05               | 2901        | 1407.11         | 3290        | 694.83          | 195                     | 0                       |
| 6       | Punjab               | 35060                | 3635.48              | 23041       | 2283.98         | 25870       | 2235.11         | 1409                    | 140.02                  |
| 7       | Rajasthan            | 231763               | 15760.74             | 257262      | 17906.61        | 245903      | 14379.43        | 27329                   | 3480.78                 |
|         | Total                | 372837               | 29118.52             | 365208      | 29060.85        | 360858      | 23992.09        | 35233                   | 4024.52                 |
| B       | North Eastern Region | North Eastern Region | North Eastern Region |             |                 |             |                 |                         |                         |
| 1       | Assam                | 271072               | 10750.76             | 285327      | 11289.51        | 292071      | 9943.07         | 16756                   | 250.99                  |
| 2       | Arunachal Pradesh    | 5033                 | 412.09               | 2588        | 153.01          | 3351        | 255.66          | 151                     | 38.53                   |
| 3       | Manipur              | 12656                | 235.24               | 9039        | 94.92           | 10702       | 196.92          | 0                       | 0                       |
| 4       | Meghalaya            | 9573                 | 515.66               | 7230        | 536.65          | 7910        | 862.70          | 1124                    | 130.9                   |
| 5       | Mizoram              | 3117                 | 612.21               | 208         | 5.61            | 7481        | 312.95          | 375                     | 10.32                   |
| 6       | Nagaland             | 8478                 | 185.85               | 2416        | 208.93          | 2880        | 273.01          | 0                       | 0                       |
| 7       | Sikkim               | 3529                 | 79.48                | 343         | 35.49           | 1368        | 231.09          | 34                      | 48.81                   |

| 8   | Tripura            | 10438   | 219.34    | 9148    | 558.00    | 8218    | 946.49    | 513    | 0       |
|-----|--------------------|---------|-----------|---------|-----------|---------|-----------|--------|---------|
|     | Total              | 323896  | 13010.63  | 316299  | 12882.12  | 333981  | 13021.87  | 18953  | 479.55  |
| C   | Eastern Region     |         |           |         |           |         |           |        |         |
| 1   | A & N Islands (UT) | 5217    | 145.74    | 4824    | 115.58    | 4998    | 125.27    | 88     | 8.8     |
| 2   | Bihar              | 270890  | 16967.64  | 268721  | 16466.57  | 224469  | 29666.98  | 71321  | 0       |
| 3   | Jharkhand          | 85334   | 7689.92   | 86386   | 8932.95   | 82138   | 8492.52   | 4511   | 927     |
| 4   | Orissa             | 522837  | 41827.81  | 517391  | 45733.95  | 452068  | 49703.80  | 12607  | 249.08  |
| 5   | West Bengal        | 586821  | 72694.87  | 591464  | 81406.51  | 760941  | 127347.93 | 86781  | 970.69  |
|     | Total              | 1471099 | 139325.98 | 1468786 | 152655.56 | 1524614 | 215336.50 | 175308 | 2155.57 |
| D   | Central Region     |         |           |         |           |         |           |        |         |
| 1   | Chhattisgarh       | 98493   | 6135.96   | 111884  | 18888.32  | 148293  | 17954.14  | 6342   | 351.14  |
| 2   | Madhya Pradesh     | 159457  | 12321.19  | 157481  | 13010.41  | 225615  | 23901.55  | 55127  | 3590    |
| 4   | Uttar Pradesh      | 403932  | 39200.82  | 379270  | 43515.34  | 392276  | 35475.66  | 32548  | 2577.05 |
| 3   | Uttarakhand        | 40316   | 4763.57   | 37294   | 3903.04   | 51067   | 5038.41   | 1246   | 1925.96 |
|     | Total              | 702198  | 62421.54  | 685929  | 79317.11  | 817251  | 82369.76  | 95263  | 8444.15 |
| E   | Western Region     |         |           |         |           |         |           |        |         |
| 1   | Goa                | 9889    | 660.74    | 8170    | 1313.37   | 7445    | 1199.15   | 328    | 39.36   |
| 2   | Gujarat            | 208410  | 17555.05  | 196510  | 16872.00  | 215839  | 17543.01  | 12266  | 1018.24 |
| 3   | Maharashtra        | 687717  | 51370.41  | 692274  | 74805.53  | 717860  | 90380.82  | 41183  | 1140.55 |
|     | Total              | 906016  | 69586.20  | 896954  | 92990.90  | 941144  | 109122.99 | 53777  | 2198.15 |
| F   | Southern Region    |         |           |         |           |         |           |        |         |
| 1   | Andhra Pradesh     | 1421393 | 254179.23 | 1418676 | 352316.16 | 884508  | 262949.95 | 296    | 0.42    |
| 2   | Karnataka          | 645695  | 115618.92 | 709171  | 108757.29 | 734304  | 130241.10 | 36259  | 0       |
| 3   | Kerala             | 581325  | 51758.93  | 601325  | 56948.43  | 585471  | 64524.57  | 119    | 10.37   |
| 4   | Lakshadweep        | 27      | 7.17      | 229     | 648.81    | 231     | 648.90    | 0      | 0       |
| 5   | Puducherry         | 20053   | 1731.58   | 24454   | 2406.41   | 16641   | 1558.52   | 0      | 0       |
| 6   | Tamil Nadu         | 873012  | 84966.77  | 942469  | 105145.21 | 987282  | 103456.83 | 15453  | 680.23  |
| 7   | Telangana          | 0       | 0.00      | 0       | 0.00      | 511184  | 98761.00  | 2129   | 42.74   |
|     | Total              | 3541505 | 508262.60 | 3696324 | 626222.31 | 3719621 | 662140.87 | 54256  | 733.76  |

| GRAND TOTAL    | 7317551   | 821725.47   | 7429500   | 993128.85   | 7697469   | 1105984.07   | 432790   | 18035.7   |
|----------------|-----------|-------------|-----------|-------------|-----------|--------------|----------|-----------|
| Source: NABARD |           |             |           |             |           |              |          |           |

## Annexure II to reply of Lok Sabha Un Starred Question No. 487 for answer on 26th February 2016 -- NABARD Scheme

## Statement - MEDP

| Sr. No.              | State                | 2015-16 (up to December 15)   | 2015-16 (up to December 15)   | 2015-16 (up to December 15)   | 2014-15       | 2014-15             | 2014-15       |
|----------------------|----------------------|-------------------------------|-------------------------------|-------------------------------|---------------|---------------------|---------------|
|                      |                      | No. of progs.                 | No. of participants           | Exp. Incurred                 | No. of progs. | No. of participants | Exp. Incurred |
| NORTHERN REGION      | NORTHERN REGION      |                               |                               |                               |               |                     |               |
| 1                    | Himachal Pradesh     | 22                            | 598                           | 6.70                          | 38            | 1250                | 10.69         |
| 2                    | Rajasthan            | 27                            | 810                           | 10.84                         | 19            | 570                 | 7.63          |
| 3                    | Haryana              | 0                             | 0                             | 0                             | 71            | 2130                | 23.02         |
| 4                    | Punjab               | 103                           | 3079                          | 38.30                         | 73            | 1980                | 34            |
| 5                    | Jammu & Kashmir      | 0                             | 0                             | 0                             | 1             | 30                  | 0.39          |
| 6                    | New Delhi            | 0                             | 0                             | 0                             | 1             | 30                  | 0.39          |
|                      | Sub Total            | 152                           | 4487                          | 55.84                         | 203           | 5990                | 76.12         |
| NORTH EASTERN REGION | NORTH EASTERN REGION |                               |                               |                               |               |                     |               |
| 7                    | Assam                | 15                            | 451                           | 5.10                          | 40            | 1200                | 15.88         |
| 8                    | Meghalaya            | 2                             | 60                            | 0.46                          | 3             | 90                  | 1.14          |
| 9                    | Tripura              | 0                             | 0                             | 0                             | 2             | 60                  | 0.5           |
| 10                   | Sikkim               | 0                             | 0                             | 0                             | 2             | 60                  | 0.71          |
| 11                   | Manipur              | 0                             | 0                             | 0                             | 0             | 0                   | 0             |
| 12                   | Nagaland             | 0                             | 0                             | 0                             | 0             | 0                   | 0             |
| 13                   | Arunachal Pradesh    | 0                             | 0                             | 0                             | 4             | 164                 | 0.2           |
| 14                   | Mizoram              | 1                             | 30                            | 0.25                          | 0             | 0                   | 0             |
|                      | Sub Total            | 18                            | 541                           | 5.81                          | 51            | 1574                | 18.43         |
| EASTERN REGION       | EASTERN REGION       |                               |                               |                               |               |                     |               |
| 15                   | Odisha               | 18                            | 590                           | 3.89                          | 78            | 2347                | 18.15         |
| 16                   | Bihar                | 39                            | 1175                          | 12.76                         | 51            | 1716                | 10.47         |
| 17                   | Jharkhand            | 17                            | 502                           | 0                             | 12            | 375                 | 4.68          |
| 18                   | West Bengal          | 120                           | 3600                          | 31.13                         | 124           | 2640                | 32.89         |

(Amount Rs lakh)

| 19              | UT of A & N Islands      | 6   | 165   | 2.30   | 28   | 750   | 7.59   |
|-----------------|--------------------------|-----|-------|--------|------|-------|--------|
|                 | Sub Total                | 200 | 6032  | 50.08  | 293  | 7828  | 73.78  |
| CENTRAL REGION  | CENTRAL REGION           |     |       |        |      |       |        |
| 20              | Madhya Pradesh           | 38  | 1155  | 14.6   | 40   | 1287  | 13.19  |
| 21              | Chhattisgarh             | 8   | 180   | 2.00   | 4    | 120   | 1.17   |
| 22              | Uttar Pradesh            | 4   | 120   | 4.28   | 72   | 2160  | 23.18  |
| 23              | Uttarakhand              | 0   | 0     | 0      | 28   | 679   | 10.21  |
|                 | Sub Total                | 50  | 1455  | 20.88  | 144  | 4246  | 47.75  |
| WESTERN REGION  | WESTERN REGION           |     |       |        |      |       |        |
| 24              | Gujarat                  | 22  | 797   | 6.84   | 78   | 2307  | 25.33  |
| 25              | Maharashtra              | 67  | 2043  | 18.98  | 92   | 3144  | 20.51  |
| 26              | Goa                      | 0   | 0     | 0      | 3    | 37    | 0.25   |
|                 | Sub Total                | 89  | 2840  | 25.82  | 173  | 5488  | 46.09  |
| SOUTHERN REGION | SOUTHERN REGION          |     |       |        |      |       |        |
| 27              | Andhra Pradesh           | 31  | 930   | 12.3   | 244  | 7378  | 76.46  |
| 28              | Telangana                | 8   | 320   | 0.98   | 46   | 1285  | 13.97  |
| 29              | Karnataka                | 9   | 270   | 4.29   | 158  | 2475  | 24.27  |
| 30              | Kerala                   | 20  | 587   | 6.86   | 165  | 4779  | 54.4   |
| 31              | Tamil Nadu & Pondicherry | 91  | 2593  | 30.23  | 0    | 0     | 0      |
|                 | Sub Total                | 159 | 4700  | 54.66  | 613  | 15917 | 169.1  |
| 32              | BIRD, Mangalore          | 0   | 0     | 0      | 0    | 0     | 0      |
| 33              | BIRD, Bolpur             | 0   | 0     | 0      | 0    | 0     | 0      |
| 34              | BIRD, Lucknow            | 0   | 0     | 0      | 0    | 0     | 0      |
| 35              | Mumbai,HO                | 0   | 0     | 0      | 0    | 0     | 0      |
|                 | Sub Total                | 0   | 0     | 0      | 0    | 0     | 0      |
|                 | Grand Total              | 668 | 20055 | 213.09 | 1477 | 41043 | 431.27 |

## Annexure III to reply of Lok Sabha Un Starred Question No. 487

## for answer on 26th February 2016 -- NABARD Scheme

Loans disbursed

| Sr. No.   | Region/State         | 2012-13     | 2012-13                  | 2013-14     | 2013-14                  | 2014-15     | 2014-15                  | 2015-16 (upto Dec.15)   | 2015-16 (upto Dec.15)    |
|-----------|----------------------|-------------|--------------------------|-------------|--------------------------|-------------|--------------------------|-------------------------|--------------------------|
|           |                      | No. of SHGs | Loans Disbursed - Amount | No. of SHGs | Loans Disbursed - Amount | No. of SHGs | Loans Disbursed - Amount | No. of SHGs             | Loans Disbursed - Amount |
| A         | Northern Region      |             |                          |             |                          |             |                          |                         |                          |
| 1         | Haryana              | 3288        | 5225.46                  | 1996        | 3145.82                  | 2530        | 4071.82                  | 1063                    | 741.46                   |
| 2         | Himachal Pradesh     | 4164        | 4152.98                  | 2770        | 3706.66                  | 4062        | 5175.12                  | 1946                    | 2125.16                  |
| 3         | Jammu & Kashmir      | 1196        | 843.79                   | 94          | 83.32                    | 1907        | 1197.77                  | 1356                    | 871.12                   |
| 4         | New Delhi            | 455         | 640.17                   | 143         | 144.17                   | 90          | 142.84                   | 92                      | 202.74                   |
| 5         | Punjab               | 2021        | 2278.92                  | 1508        | 1508.59                  | 2669        | 3364.99                  | 1051                    | 910.58                   |
| 6         | Rajasthan            | 20161       | 21088.38                 | 17407       | 19459.80                 | 32590       | 28920.80                 | 14823                   | 17948.63                 |
|           | Total                | 31285       | 34229.70                 | 23918       | 28048.36                 | 43848       | 42873.33                 | 20331                   | 22799.69                 |
| B         | North Eastern Region |             |                          |             |                          |             |                          | 0                       | 0                        |
| 1         | Assam                | 21497       | 13755.83                 | 14918       | 11867.51                 | 17565       | 14676.55                 | 10833                   | 7486.21                  |
| 2         | Arunachal Pradesh    | 112         | 132.78                   | 136         | 105.38                   | 28          | 55.15                    | 23                      | 8.53                     |
| 3         | Manipur              | 659         | 405.8                    | 352         | 94.47                    | 172         | 151.33                   | 0                       | 0                        |
| 4         | Meghalaya            | 400         | 462.36                   | 175         | 200.21                   | 94          | 77.98                    | 221                     | 126.02                   |
| 5         | Mizoram              | 544         | 827.43                   | 7           | 19.75                    | 362         | 372.08                   | 222                     | 285.59                   |
| 6         | Nagaland             | 796         | 974.35                   | 150         | 271.14                   | 69          | 150.63                   | 0                       | 0                        |
| 7         | Sikkim               | 359         | 212.63                   | 67          | 68.35                    | 101         | 39.85                    | 40                      | 2.16                     |
| 8         | Tripura              | 801         | 1250.67                  | 396         | 192.23                   | 400         | 271.33                   | 308                     | 118.55                   |
|           | Total                | 25168       | 18021.85                 | 16201       | 12819.04                 | 18791       | 15794.90                 | 11647                   | 8027.06                  |
| C         | Eastern Region       |             |                          |             |                          |             |                          | 0                       | 0                        |
| 1         | A & N Islands (UT)   | 415         | 537.84                   | 255         | 202.96                   | 264         | 357.32                   | 435                     | 189.22                   |

(Amount Rs.lakh)

| 2             | Bihar           | 30574         | 22201.69      | 40036         | 28400.00      | 65122         | 47100.54      | 46616         | 23026.26      |
|---------------|-----------------|---------------|---------------|---------------|---------------|---------------|---------------|---------------|---------------|
| 3             | Jharkhand       | 8874          | 7536.06       | 6742          | 3462.16       | 4470          | 3750.89       | 1997          | 784.98        |
| 4             | Orissa          | 47676         | 47328.1       | 53699         | 50485.83      | 122479        | 127888.29     | 20055         | 19327.33      |
| 5             | West Bengal     | 95284         | 51415.24      | 196746        | 68516.24      | 159465        | 150504.66     | 115407        | 66380.3       |
|               | Total           | 182823        | 129018.93     | 297478        | 151067.19     | 351800        | 329601.69     | 184510        | 109708.09     |
| D             | Central Region  |               |               |               |               |               |               | 0             | 0             |
| 1             | Chhattisgarh    | 7992          | 7013.49       | 13644         | 11170.98      | 17336         | 11107.29      | 6947          | 5601.99       |
| 2             | Madhya Pradesh  | 15182         | 13726.83      | 22331         | 14204.82      | 29892         | 30532.80      | 35123         | 14050.41      |
| 3             | Uttar Pradesh   | 33140         | 45098.42      | 27674         | 34487.94      | 58940         | 65820.57      | 13624         | 7369.12       |
| 4             | Uttarakhand     | 7866          | 4050.22       | 2744          | 1943.16       | 3063          | 3447.98       | 1974          | 69.25         |
|               | Total           | 64180         | 69888.96      | 66393         | 61806.90      | 109231        | 110908.64     | 57668         | 27090.77      |
| E             | Western Region  |               |               |               |               |               |               | 0             | 0             |
| 1             | Goa             | 924           | 1205.63       | 819           | 1692.93       | 803           | 1818.12       | 1918          | 1940.21       |
| 2             | Gujarat         | 14756         | 11982.28      | 14119         | 12937.58      | 22366         | 26209.02      | 22662         | 17912.34      |
| 3             | Maharashtra     | 54749         | 57806.5       | 72908         | 71813.14      | 74172         | 89053.23      | 51623         | 43489.66      |
|               | Total           | 70429         | 70994.41      | 87846         | 86443.65      | 97341         | 117080.37     | 76203         | 63342.21      |
| F             | Southern Region |               |               |               |               |               |               |               |               |
| 1             | Andhra Pradesh  | 484292        | 1116440.1     | 504351        | 1332481.92    | 277252        | 562314.81     | 323543        | 765779        |
| 2             | Karnataka       | 145733        | 229940.72     | 175778        | 296401.97     | 225031        | 480337.12     | 141663        | 226694.77     |
| 3             | Kerala          | 60830         | 89891.54      | 55281         | 107254.76     | 77106         | 144477.29     | 40408         | 107744.88     |
| 4             | Lakshadweep     | 1             | 1.00          | 1             | 0.30          | 0             | 0.00          | 0             | 0             |
| 5             | Puducherry      | 4494          | 8499.06       | 3905          | 6130.76       | 1519          | 3708.08       | 0             | 0             |
| 6             | Tamil Nadu      | 150586        | 291610.21     | 135269        | 319280.99     | 163268        | 401673.11     | 28367         | 65174.6       |
| 7             | Telangana       |               |               |               |               | 261051        | 549461.72     | 42030         | 105145        |
|               | Total           | 845936        | 1736382.59    | 874585        | 2061550.70    | 1005227       | 2141972.13    | 576011        | 1270538.3     |
|               | Grand Total     | 1219821       | 2058536.44    | 1366421       | 2401735.85    | 1626238       | 2758231.06    | 926370        | 1501506.1     |
| Source:NABARD | Source:NABARD   | Source:NABARD | Source:NABARD | Source:NABARD | Source:NABARD | Source:NABARD | Source:NABARD | Source:NABARD | Source:NABARD |