Lok Sabha Question No. 636 (UNSTARRED), answered on 2015-07-23
Subject: Loans Provided under SGSY
Ministry: RURAL DEVELOPMENT
Asked by: BAHADUR SINGH KOLI

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

## LOK SABHA UNSTARRED QUESTION NO. 636 TO BE ANSWERED ON 23.07.2015

## LOANS PROVIDED UNDER SGSY

## 636. SHRI BAHADUR SINGH KOLI:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- whether any study to look into the roles of' bank officers under the Swarnjayanti Gram Swarojgar Yojana (SGSY) has been carried out by the Government and if SO, the details thereof;
- whether loans are not provided to the people as per their expectations under SGSY due to apathy of bank employees and if so, the details thereof; being
- whether any efforts have been made to carry out modifications in the said scheme for the success thereof; and
- (d) if the details thereof and the result thereof, State wise? SO,

## ANSWER MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (SHRI SUDARSHAN BHAGAT)

- (a (b):- No fic study has been carried out to look into the role of bank officers under Swarnjayanti Gram SwarojgarYojana (SGSY) However, & Committee was constituted by the Ministry of Rural Development to study credit related issues under SGSY. The Committee in its report submitted in 2009 had noted that the overall credit achievement under SGSY was very low and made several recommendations for improving credit delivery under SGSY.
- (c National Rural Livelihoods Mission (NRLM) by restructuring Swarnajayanti Gram Swarozgar Yojana (SGSY) with effect from June 2011.

NRLM is the flagship program 0f Govi of India for promoting poverty reduction through access & range of financial services and livelihoods services. Under NRLM, emphasis is laid on the multiple doses 0f credit to Self Help Groups (SHGs) to enable them t0 take up sustainable livelihoods for improvement in their quality of life.

NRLM has also introduced & provision for interest subvention, to cover the difference availed by women SHGs, for a maximum of Rs 3,00,000 per SHG. This will be available across the country in two ways:

- In 150 identified districts, banks will lend to all the women SHGs @7% upto &n aggregated loan amount of Rs 3,00,000/The SHGs will also additional interest subvention of 3% on prompt repayment, reducing the effective rate of interest to 4%. get
- In the remaining districts also, NRLM compliant women SHGs are eligible for interest subvention to the extent of difference between the lending rates and 7% for the loan upto Rs. 3 lakhs.

NRLM has been advocating Bank Mitra/Bank Sakhis (one per branch bank) to support the SHGs. State Level Bankers' Committees have set up sub-committee with a specific focus on SHG-Bank Linkages. Similarly, District level and Block level Bankers; Committees have SHGBank   Linkage  agenda and NRLM is facilitating these Committees progress regularly and intensively.

## Annexure [

Annexure I referred in reply to parts (c) and (d) of the Lok Sabha Unstarred Question No. 636 due for answer on 23.7.2015

|      |                      | Achievement (2013-14   | Achievement (2013-14        | Achievement (2014-15)   | Achievement (2014-15)       |
|------|----------------------|------------------------|-----------------------------|-------------------------|-----------------------------|
| E.No | States UTs           | Total SHGs             | Total Loan Amount (In crore | Total SHGs              | Total Loan Amount (In crore |
|      | ANDHRA PRADESH       | 247453                 | 7236.51                     |                         | 5796.04                     |
| 2    | TAMIL NADU           | 83035                  | 2059.52                     | 147,441                 | 3835.34                     |
|      | TELANGANA            | 179617                 | 4641.30                     | 122,430                 | 3550.47                     |
|      | KARNATAKA            | 124125                 | 2232.19                     | 198,485                 | 3514.89                     |
| 5    | WEST BENGAL          | 51328                  | 516.94                      | 129,392                 | 1118.65                     |
|      | KERALA               | 31432                  | 716.44                      | 49,274                  | 1055.51                     |
| 7    | MAHARASHTRA          | 32520                  | 414.37                      | 40,999                  | 527.78                      |
| 9    | ODISHA               | 31890                  | 373.15                      | 43.523                  | 515.25                      |
| 10   | BIHAR                | 21078                  | 138.27                      | 30,843                  | 216.65                      |
| 11   | GUJARAT              | 8848                   | 75.93                       | 14,861                  | 140.73                      |
| 12   | RAJASTHAN            | 10149                  | 115.83                      | 13,335                  | 132.85                      |
| 13   | MADHYA PRADESH       | 17679                  |                             | 12,785                  | 121.05                      |
| 14   | CHATTISGARH          | 8607                   | 102.46                      | 8,912                   | 109.79                      |
| 15   | UTTAR PRADESH        | 12223                  | 120.05                      | 5,278                   | 86.01                       |
| 16   | ASSAM                | 5771                   | 73.50                       | 8,828                   | 79.19                       |
| 17   | PUDUCHERRY           | 554                    | 15.62                       |                         | 34.73                       |
| 18   | JHARKHAND            | 1414                   | 20.80                       | 3,144                   | 34.43                       |
| 19   | HIMACHAL PRADESH     | 1451                   | 26.35                       | 1,314                   | 23.38                       |
| 20   | GOA                  | 316                    | 6.53                        | 304                     | 10.94                       |
| 21   | HARYANA              | 1344                   | 28.16                       | 919                     | 10.41                       |
| 22   | JAMMU & KASHMIR      | 207                    | 1.71                        | 1,600                   | 9.34                        |
| 23   | NAGALAND             | 249                    | 3.28                        | 495                     | 7.99                        |
| 24   | PUNJAB               | 622                    | 7.78                        | 313                     | 4.87                        |
| 25   | TRIPURA              | 382                    | 1.97                        | 816                     | 4.22                        |
| 26   | UTTARAKHAND          | 1727                   | 15,15                       | 362                     | 3.22                        |
| 27   | MANIPUR              | 149                    | 1.10                        | 84                      | 0.79                        |
| 28   | DADRA & NAGAR HAVELI | 3                      | 0.02                        | 53                      | 0.49                        |
| 29   | ARUNACHAL PRADESH    | 243                    | 0.91                        | 14                      | 03                          |
| 30   | A & N ISLANDS        | 25                     | 0.24                        | 29                      | 0.28                        |
| 31   | SIKKIM               | 110                    | 1.10                        | 58                      | 0.27                        |
| 32   | MIZORAM              | 7                      | 0.19                        | 4                       | 0.09                        |
| 33   | MEGHALAYA            | 90                     | 0.63                        | 3                       | 0.05                        |
|      | Total                | 892442                 | 19655.72                    | 1,039,835               | 21396.81                    |