(a) whether the banks are collaborating with the financial institutions to extend micro credit for
housing;
(b) if so, the details thereof; and
(c) the quantum of micro credit provided by National Housing Bank during the last three years and
the current year,State-wise/UT -wise?
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PAWAN KUMAR BANSAL)
(a) & (b) Yes Sir.Banks are extending micro credit to rural,semi-urban and urban areas through
`SHG-Bank Linkage Programme` for various pl1rposes including housing and shelter improvements.
While National Bank for Agriculture and Rural Development(NABARD) and National Housing Bank(NHB)
provide refinance to the banks in respect of such units financed by banks in rural areas, the NHB
also `extends direct financial assistance to Micro Finance Institutions (MFls) undertaking
housing micro-finance activities for members of Self-Help Groups(SHGs) attached to these MFIs.
(c) The State-wise disbursement of credit to MFIs by NHB during the last three years and the
current year so far is as follows:
State-wise disbursements to Mfis by NHb(Rs. in crores)
State 2005-06 2006-07 2007-08 2008-09 (till 5.12.2008)
Maharashtra 0.50 1.50 - -
Andhra 0.38 1.10 2.49 2.86 Pradesh
Tamil Nadu - - - 1.48
Karnataka - - - 2.90
Assam - - - -
Orissa - - - 0.50
Guiarat - - - -
Total 0.88 2.60 2.49 7.74