ANSWER
MINISTER OF STATE FOR SOCIAL JUSTICE AND EMPOWERMENT
(SHRI KRISHAN PAL GURJAR)
(a) : The details of Mahila Samriddhi Yojana is appended at Annexure-A.
(b) : The Government through National Backward Classes Finance and Development Corporation (NBCFDC) financial assistance is actively encouraging its Channel Partners to cover women SHGs under NBCFDC Mahila Samriddhi Yojana so that benefit of lower rate of interest can be availed by the women SHGs. Further, the loan limit under the scheme has been increased from Rs.50,000/- per beneficiary to Rs.1,00,000/- per beneficiary & the loan limit for the SHG increased from Rs.10,00,000/- to Rs.15,00,000/-.
(c) & (d) : The Corporation has successfully implementing Mahila Samriddhi Yojana through its channel Partners. During last five years Corporation has released Rs.602.00 crore under Mahila Samriddhi Yojana out of total disbursement of 1989 crore which is more than 30% of total disbursement.
Further, the Corporation has assisted 4,23,840 beneficiaries under Mahila Samriddhi Yojana out of 8,16,838 beneficiaries which is around 52% of total beneficiaries. The state-wise details during last five years under Mahila Samriddhi Yojana is annexed at Annexure-B.
(e) : As per information received from the concerned Channel Partner, no woman in the tea estate of Assam has been benefitted under Mahila Samriddhi Yojana of NBCFDC.
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Annexure-A
National Backward Classes Finance & Development Corporation
(A Govt.of India Undertaking, Ministry of Social Justice & Empowerment)
MAHILA SAMRIDDHI YOJANA
(Micro Finance Scheme for women)
Objectives
To provide Micro Finance to women entrepreneurs belonging to the target group.
Eligibility
a) Women belonging to Backward Classes, as notified by Central Government/State Governments from time to time.
b) Applicant’s annual family income should be less than Rs. 3.00 Lakh.
c) In a SHG 60% of members should be from Backward Classes and remaining 40% members may be from other weaker section like SC/Handicapped/Minorities etc.
Salient Features
1. Maximum loan limit per SHG : Rs.15.00 Lakh
2. Maximum loan limit per beneficiary : Rs.1,00,000/-
3. Maximum number of women in one SHG : 20
Implementation
The scheme is to be implemented by Channel Partners in rural and urban areas by way of financing the women beneficiaries either directly or through Self-Help Groups (SHGs).
Pattern of Finance
NBCFDC loan : 95%
Channel Partner/Beneficiary contribution : 05%
Rate of Interest
From NBCFDC to Channel Partner : 1% p.a.
From Channel Partner to SHG/Beneficiary : 4% p.a.
Repayment
Loan is to be repaid in quarterly instalments within 4 Years (including the moratorium period of six months on the recovery of principal).
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