Lok Sabha Question No. 947 (UNSTARRED), answered on 2015-12-04
Subject: NABARD Scheme
Ministry: FINANCE
Asked by: LAXMI NARAYAN YADAV

## 947. Shri Laxmi Narayan Yadav :

Will the Minister of FINANCE be pleased to state:

- (a) whether the National Bank for Agriculture and Rural Development (NABARD) is implementing schemes/programmes for the welfare of women in rural areas;
- (c)  the number of women benefited along with the total fund allocated under such programmes/schemes during the last three years and the current year, State-wise; and
- (b)   if so, the details there of, State-wise including Madhya Pradesh during the last three years and the current year;
- (d)  the steps taken by the NABARD to provide assistance to women especially those in backward/tribal areas?

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

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

- 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.
2.  This Programme continues to be the largest micro finance programme with an outreach of 10 crore rural households.
3.  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.
- 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 Madhya Pradesh are given in Annexure I & II.

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

## LOK SABHA UNSTARRED QUESTION NO 947

## TO BE ANSWERED ON THE 4 th December 2015, Agrahayana 13, 1937 (SAKA)

## NABARD Scheme

## QUESTION

(c): The state-wise loan disbursed by banks to SHGs during the last three years and current year i.e 2015-16 (upto 31 October 2015) is given in Annexure III.

(d): Government of India has set up a 'Women Self Help Group Development Fund' with a proposed corpus of Rs. 500 crore in NABARD, to implement a 'Scheme for promotion of Women SHGs in Left Wing Extremism(LWE) Affected and Backward districts of India'.

-  Presently the Scheme is being implemented in 150 identified LWE and Backward districts across 28 states through identified NGOs/Support organizations. The NGO serves not merely as Self Help Group Promoting Institution (SHPI) for promoting and enabling credit linkage of these groups with banks, but also as Banking/business facilitators, tracking, monitoring these groups and also being responsible for loan repayments.
-  Support for promotion of 2.03 lakh SHGs has been sanctioned under WSHG programme. Out of these, as on 30 September 2015, 1.76 lakh WSHGs have been savings linked and 0.89 lakh WSHGs credit linked.

*****

## Annexure I Savings linkage under SHG BLP

|         |                      | 2012-13     | 2012-13         | 2013-14     | 2013-14         | 2014-15     | 2014-15         | 2015-16 (upto Oct.15)   | 2015-16 (upto Oct.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         | 680                     | 0                       |
| 3       | Himachal Pradesh     | 53242       | 4277.92         | 37634       | 2732.43         | 37838       | 2648.99         | 1682                    | 13.97                   |
| 4       | Jammu & Kashmir      | 5796        | 970.49          | 873         | 40.74           | 6214        | 378.44          | 0                       | 0                       |
| 5       | New Delhi            | 3787        | 348.05          | 2901        | 1407.11         | 3290        | 694.83          | 0                       | 0                       |
| 6       | Punjab               | 35060       | 3635.48         | 23041       | 2283.98         | 25870       | 2235.11         | 870                     | 0.12                    |
| 7       | Rajasthan            | 231763      | 15760.74        | 257262      | 17906.61        | 245903      | 14379.43        | 7102                    | 225.48                  |
|         | Total                | 372837      | 29118.52        | 365208      | 29060.85        | 360858      | 23992.09        | 10334                   | 239.57                  |
| B       | North Eastern Region |             |                 |             |                 |             |                 |                         |                         |
| 1       | Assam                | 271072      | 10750.76        | 285327      | 11289.51        | 292071      | 9943.07         | 10740                   | 188.18                  |
| 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          | 96                      | 2.34                    |
| 5       | Mizoram              | 3117        | 612.21          | 208         | 5.61            | 7481        | 312.95          | 207                     | 5.76                    |
| 6       | Nagaland             | 8478        | 185.85          | 2416        | 208.93          | 2880        | 273.01          | 0                       | 0                       |
| 7       | Sikkim               | 3529        | 79.48           | 343         | 35.49           | 1368        | 231.09          | 13                      | 40.19                   |
| 8       | Tripura              | 10438       | 219.34          | 9148        | 558.00          | 8218        | 946.49          | 513                     | 0                       |
|         | Total                | 323896      | 13010.63        | 316299      | 12882.12        | 333981      | 13021.87        | 11720                   | 275                     |
| C       | Eastern Region       |             |                 |             |                 |             |                 |                         |                         |
| 1       | A & N Islands (UT)   | 5217        | 145.74          | 4824        | 115.58          | 4998        | 125.27          | 0                       | 0                       |
| 2       | Bihar                | 270890      | 16967.64        | 268721      | 16466.57        | 224469      | 29666.98        | 33016                   | 0                       |
| 3       | Jharkhand            | 85334       | 7689.92         | 86386       | 8932.95         | 82138       | 8492.52         | 1773                    | 427.6                   |
| 4       | Orissa               | 522837      | 41827.81        | 517391      | 45733.95        | 452068      | 49703.80        | 8927                    | 249.08                  |

## (Amount  Rs. lakh)

| 5   | West Bengal     | 586821   | 72694.87   | 591464   | 81406.51   | 760941   | 127347.93   | 15000   | 180     |
|-----|-----------------|----------|------------|----------|------------|----------|-------------|---------|---------|
|     | Total           | 1471099  | 139325.98  | 1468786  | 152655.56  | 1524614  | 215336.50   | 58716   | 856.68  |
| D   | Central Region  |          |            |          |            |          |             |         |         |
| 1   | Chhattisgarh    | 98493    | 6135.96    | 111884   | 18888.32   | 148293   | 17954.14    | 1794    | 1.29    |
| 2   | Madhya Pradesh  | 159457   | 12321.19   | 157481   | 13010.41   | 225615   | 23901.55    | 5857    | 0       |
| 4   | Uttar Pradesh   | 403932   | 39200.82   | 379270   | 43515.34   | 392276   | 35475.66    | 17495   | 748.76  |
| 3   | Uttarakhand     | 40316    | 4763.57    | 37294    | 3903.04    | 51067    | 5038.41     | 0       | 0       |
|     | Total           | 702198   | 62421.54   | 685929   | 79317.11   | 817251   | 82369.76    | 25146   | 750.05  |
| E   | Western Region  |          |            |          |            |          |             |         |         |
| 1   | Goa             | 9889     | 660.74     | 8170     | 1313.37    | 7445     | 1199.15     | 199     | 215.13  |
| 2   | Gujarat         | 208410   | 17555.05   | 196510   | 16872.00   | 215839   | 17543.01    | 803     | 1.2     |
| 3   | Maharashtra     | 687717   | 51370.41   | 692274   | 74805.53   | 717860   | 90380.82    | 4123    | 111.78  |
|     | Total           | 906016   | 69586.20   | 896954   | 92990.90   | 941144   | 109122.99   | 5125    | 328.11  |
| F   | Southern Region |          |            |          |            |          |             |         |         |
| 1   | Andhra Pradesh  | 1421393  | 254179.23  | 1418676  | 352316.16  | 884508   | 262949.95   | 1513    | 18.67   |
| 2   | Karnataka       | 645695   | 115618.92  | 709171   | 108757.29  | 734304   | 130241.10   | 17786   | 0       |
| 3   | Kerala          | 581325   | 51758.93   | 601325   | 56948.43   | 585471   | 64524.57    | 0       | 0       |
| 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   | 4403    | 220.71  |
| 7   | Telangana       | 0        | 0.00       | 0        | 0.00       | 511184   | 98761.00    | 1987    | 42.74   |
|     | Total           | 3541505  | 508262.60  | 3696324  | 626222.31  | 3719621  | 662140.87   | 25689   | 282.12  |
|     | GRAND TOTAL     | 7317551  | 821725.47  | 7429500  | 993128.85  | 7697469* | 1105984.07  | 136730  | 2731.53 |

Source: NABARD

## Annexure II

NABARD Support for Training on Micro Entrepreneurship Development Programme (MEDP) under SHG BLP during

| Sr. No.              | State               | MEDP*         | MEDP*               |               | MEDP*         | MEDP*               |               |
|----------------------|---------------------|---------------|---------------------|---------------|---------------|---------------------|---------------|
|                      |                     | No. of progs. | No. of participants | Exp. Incurred | No. of progs. | No. of participants | Exp. Incurred |
| NORTHERN REGION      |                     |               |                     |               |               |                     |               |
| 1                    | Himachal Pradesh    | 9             | 268                 | 3.41          | 38            | 1250                | 10.69         |
| 2                    | Haryana             | 0             | 0                   | 0.00          | 19            | 570                 | 7.63          |
| 3                    | Rajasthan           | 27            | 810                 | 10.84         | 71            | 2130                | 23.02         |
| 4                    | Punjab              | 62            | 1900                | 22.88         | 73            | 1980                | 34.00         |
| 5                    | Jammu & Kashmir     | 0             | 0                   | 0.00          | 1             | 30                  | 0.39          |
| 6                    | New Delhi           | 0             | 0                   | 0.00          | 1             | 30                  | 0.39          |
|                      | Sub Total           | 98            | 2978                | 37.13         | 203           | 5990                | 76.12         |
| NORTH EASTERN REGION |                     |               |                     |               |               |                     |               |
| 6                    | Assam               | 13            | 391                 | 2.99          | 40            | 1200                | 15.88         |
| 7                    | Meghalaya           | 0             | 0                   | 0.00          | 3             | 90                  | 1.14          |
| 8                    | Mizoram             | 0             | 0                   | 0.25          | 2             | 60                  | 0.50          |
| 9                    | Tripura             | 0             | 0                   | 0.00          | 2             | 60                  | 0.71          |
| 10                   | Sikkim              | 0             | 0                   | 0.00          | 0             | 0                   | 0.00          |
| 11                   | Manipur             | 0             | 0                   | 0.00          | 0             | 0                   | 0.00          |
| 12                   | Nagaland            | 0             | 0                   | 0.00          | 4             | 164                 | 0.20          |
| 13                   | Arunachal Pradesh   | 0             | 0                   | 0.00          | 0             | 0                   | 0.00          |
|                      | Sub Total           | 13            | 391                 | 3.24          | 51            | 1574                | 18.43         |
| EASTERN REGION       |                     |               |                     |               |               |                     |               |
| 14                   | Odisha              | 12            | 360                 | 2.51          | 78            | 2347                | 18.15         |
| 15                   | Bihar               | 28            | 845                 | 9.31          | 51            | 1716                | 10.47         |
| 16                   | Jharkhand           | 17            | 502                 | 6.28          | 12            | 375                 | 4.68          |
| 17                   | West Bengal         | 74            | 2220                | 20.5          | 124           | 2640                | 32.89         |
| 18                   | UT of A & N Islands | 3             | 75                  | 1.14          | 28            | 750                 | 7.59          |
|                      | Sub Total           | 134           | 4002                | 39.74         | 293           | 7828                | 73.78         |

2015-16 (Upto October 2015)

2014-15

## * 76.97 lakh SHGs  Savings linked, out of of which 66.52 lakh (86%) SHGs are exclusive Women SHGs.

| CENTRAL REGION   |                     |     |       |        |      |       |        |
|------------------|---------------------|-----|-------|--------|------|-------|--------|
| 19               | Madhya Pradesh      | 38  | 1155  | 14.6   | 40   | 1287  | 13.19  |
| 20               | Chhatisgarh         | 6   | 120   | 1.14   | 4    | 120   | 1.17   |
| 21               | Uttar Pradesh       | 1   | 30    | 3.48   | 72   | 2160  | 23.18  |
| 22               | Uttarakhand         | 0   | 0     | 0.00   | 28   | 679   | 10.21  |
|                  | Sub Total           | 45  | 1305  | 19.22  | 144  | 4246  | 47.75  |
| WESTERN REGION   |                     |     |       |        |      |       |        |
| 23               | Gujarat             | 0   | 0     | 0.00   | 78   | 2307  | 25.33  |
| 24               | Maharashtra         | 57  | 1742  | 15.15  | 92   | 3144  | 20.51  |
| 25               | Goa                 | 0   | 0     | 0.00   | 3    | 37    | 0.25   |
|                  | Sub Total           | 57  | 1742  | 15.15  | 173  | 5488  | 46.09  |
| SOUTHERN REGION  |                     |     |       |        |      |       |        |
| 26               | Andhra Pradesh      | 27  | 810   | 10.3   | 244  | 7378  | 76.46  |
| 27               | Karnataka           | 4   | 120   | 1.1    | 46   | 1285  | 13.97  |
| 28               | Kerala              | 18  | 527   | 5.09   | 158  | 2475  | 24.27  |
| 29               | Tamil Nadu          | 86  | 2443  | 26.55  | 165  | 4779  | 54.40  |
| 30               | Telangana           | 1   | 30    | 0.39   | 0    | 0     | 0.00   |
|                  | Sub Total           | 135 | 3900  | 43.04  | 613  | 15917 | 169.10 |
| 31               | BIRD, Mangalore     | 0   | 0     | 0.00   | 0    | 0     | 0.00   |
| 32               | BIRD, Bolpur        | 0   | 0     | 0.00   | 0    | 0     | 0.00   |
| 33               | Head Office, Mumbai | 0   | 0     | 0.00   | 0    | 0     | 0.00   |
| 34               | BIRD, Lucknow       | 0   | 0     | 0.00   | 0    | 0     | 0.00   |
|                  | Sub Total           | 0   | 0     | 0.00   | 0    | 0     | 0.00   |
|                  | Grand Total         | 482 | 14318 | 157.52 | 1477 | 41043 | 431.27 |

Source: NABARD

*Excluding MEDP under WSHG programme

## Annexure III

| Region/State         | 2012-13     | 2012-13                  | 2013-14     | 2013-14                  | 2014-15     | 2014-15                  | 2015-16 (upto Oct.15)   | 2015-16 (upto Oct.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 |
| Northern Region      |             |                          |             |                          |             |                          |                         |                          |
| Haryana              | 3288        | 5225.46                  | 1996        | 3145.82                  | 2530        | 4071.82                  | 473                     | 354.14                   |
| Himachal Pradesh     | 4164        | 4152.98                  | 2770        | 3706.66                  | 4062        | 5175.12                  | 679                     | 727.81                   |
| Jammu& Kashmir       | 1196        | 843.79                   | 94          | 83.32                    | 1907        | 1197.77                  | 0                       | 0                        |
| New Delhi            | 455         | 640.17                   | 143         | 144.17                   | 90          | 142.84                   | 0                       | 0                        |
| Punjab               | 2021        | 2278.92                  | 1508        | 1508.59                  | 2669        | 3364.99                  | 768                     | 7.7                      |
| Rajasthan            | 20161       | 21088.38                 | 17407       | 19459.80                 | 32590       | 28920.80                 | 4385                    | 2806.77                  |
| Total                | 31285       | 34229.70                 | 23918       | 28048.36                 | 43848       | 42873.33                 | 6305                    | 3896.42                  |
| North Eastern Region |             |                          |             |                          |             |                          | 0                       | 0                        |
| Assam                | 21497       | 13755.83                 | 14918       | 11867.51                 | 17565       | 14676.55                 | 6797                    | 4632.09                  |
| Arunachal Pradesh    | 112         | 132.78                   | 136         | 105.38                   | 28          | 55.15                    | 15                      | 8.53                     |
| Manipur              | 659         | 405.8                    | 352         | 94.47                    | 172         | 151.33                   | 0                       | 0                        |
| Meghalaya            | 400         | 462.36                   | 175         | 200.21                   | 94          | 77.98                    | 100                     | 57.6                     |
| Mizoram              | 544         | 827.43                   | 7           | 19.75                    | 362         | 372.08                   | 93                      | 130.17                   |
| Nagaland             | 796         | 974.35                   | 150         | 271.14                   | 69          | 150.63                   | 0                       | 0                        |
| Sikkim               | 359         | 212.63                   | 67          | 68.35                    | 101         | 39.85                    | 22                      | 8.03                     |
| Tripura              | 801         | 1250.67                  | 396         | 192.23                   | 400         | 271.33                   | 308                     | 118.55                   |
| Total                | 25168       | 18021.85                 | 16201       | 12819.04                 | 18791       | 15794.90                 | 7335                    | 4954.97                  |
| Eastern Region       |             |                          |             |                          |             |                          | 0                       | 0                        |
| A & N Islands (UT)   | 415         | 537.84                   | 255         | 202.96                   | 264         | 357.32                   | 53                      | 24.65                    |
| Bihar                | 30574       | 22201.69                 | 40036       | 28400.00                 | 65122       | 47100.54                 | 21998                   | 10268.1                  |
| Jharkhand            | 8874        | 7536.06                  | 6742        | 3462.16                  | 4470        | 3750.89                  | 1073                    | 381.59                   |
| Orissa               | 47676       | 47328.1                  | 53699       | 50485.83                 | 122479      | 127888.29                | 17965                   | 19327.33                 |
| West Bengal          | 95284       | 51415.24                 | 196746      | 68516.24                 | 159465      | 150504.66                | 50000                   | 27185                    |
| Total                | 182823      | 129018.93                | 297478      | 151067.19                | 351800      | 329601.69                | 91089                   | 57186.67                 |
| Central Region       |             |                          |             |                          |             |                          | 0                       | 0                        |

| Chhattisgarh    | 7992    | 7013.49    | 13644   | 11170.98   | 17336   | 11107.29   | 2050   | 17.74     |
|-----------------|---------|------------|---------|------------|---------|------------|--------|-----------|
| Madhya Pradesh  | 15182   | 13726.83   | 22331   | 14204.82   | 29892   | 30532.80   | 2079   | 1575.74   |
| Uttar Pradesh   | 33140   | 45098.42   | 27674   | 34487.94   | 58940   | 65820.57   | 5151   | 1348.5    |
| Uttarakhand     | 7866    | 4050.22    | 2744    | 1943.16    | 3063    | 3447.98    | 0      | 0         |
| Total           | 64180   | 69888.96   | 66393   | 61806.90   | 109231  | 110908.64  | 9280   | 2941.98   |
| Western Region  |         |            |         |            |         |            | 0      | 0         |
| Goa             | 924     | 1205.63    | 819     | 1692.93    | 803     | 1818.12    | 17     | 0         |
| Gujarat         | 14756   | 11982.28   | 14119   | 12937.58   | 22366   | 26209.02   | 314    | 23.62     |
| Maharashtra     | 54749   | 57806.5    | 72908   | 71813.14   | 74172   | 89053.23   | 2363   | 2398.9    |
| Total           | 70429   | 70994.41   | 87846   | 86443.65   | 97341   | 117080.37  | 2694   | 2422.52   |
| Southern Region |         |            |         |            |         |            |        |           |
| Andhra Pradesh  | 484292  | 1116440.06 | 504351  | 1332481.92 | 277252  | 562314.81  | 114491 | 338148.4  |
| Karnataka       | 145733  | 229940.72  | 175778  | 296401.97  | 225031  | 480337.12  | 48045  | 123845.92 |
| Kerala          | 60830   | 89891.54   | 55281   | 107254.76  | 77106   | 144477.29  | 0      | 0         |
| Lakshadweep     | 1       | 1.00       | 1       | 0.30       | 0       | 0.00       | 0      | 0         |
| Puducherry      | 4494    | 8499.06    | 3905    | 6130.76    | 1519    | 3708.08    | 0      | 0         |
| Tamil Nadu      | 150586  | 291610.21  | 135269  | 319280.99  | 163268  | 401673.11  | 23386  | 51399.1   |
| Telangana       |         |            |         |            | 261051  | 549461.72  | 42030  | 105145    |
| Total           | 845936  | 1736382.59 | 874585  | 2061550.70 | 1005227 | 2141972.13 | 227952 | 618538.42 |
| Grand Total     | 1219821 | 2058536.44 | 1366421 | 2401735.85 | 1626238 | 2758231.06 | 344655 | 689940.98 |

Note: Out of 76.97 Lakh SHGs which are saving linked under SHG-BLP, 66.52 Lakh (86%) are exclusive Women SHGs.

Source: NABARD