(a) the salient features of Deendayal Antyodaya Yojana - National Rural Livelihood Mission (DAY-NRLM);
(b) the number of Families covered and the number of persons included in Self Help Groups (SHG) under DAY-NRLM during the last three years and the details thereof, State-wise;
(c) the details of the funds received by these Self Help Groups during the above period;
(d) whether there is any instance of denying loans to Self Help Groups during the above period; and
(e) if so, the details thereof?
MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT
(SHRI FAGGAN SINGH KULASTE)
(a) Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM) is an anti-poverty programme of Government of India which aims at organising rural poor women into Self Help Groups (SHGs) and facilitating them to access credit from Banks for taking up various livelihoods activities for enhancing their incomes. The programme intends to reach out to about 9-10 crore rural poor households in a phased manner. The programme is being implemented in all the States and Union Territories, except Delhi and Chandigarh. As of 31st December, 2021, the Mission is being implemented in 6782 blocks in 706 districts across all 28 States and 6 Union Territories.
The salient features of the DAY-NRLM are as follows:
i. Promotion of Sustainable Institutions of the poor.
ii. Ensuring access to financial services.
iii. Promotion of diversified livelihoods opportunities for the poor, in farm and non- farm sectors.
iv. Promotion of Skill Development and Access to Jobs.
v. Promotion of Social Inclusion and Human Development.
(b) The State/UT-wise details of the households covered and mobilised into SHGs under DAY-NRLM during the last three years and current year is given at Annexure.
(c) DAY-NRLM provides Revolving Fund (RF) at the rate of Rs.10,000-15,000 per SHG and Community Investment Fund (CIF) to the extent of Rs. 2,50,000 per SHG as grants to the community institutions. Apart from this DAY-NRLM also facilitates credit mobilisation for SHGs in the form of bank loans. The details of RF & CIF received and the Bank credit accessed by SHGs during the last three years and current year is given below:
Year Revolving Fund Community Investment Bank credit accessed
Disbursed Fund Disbursed by women SHGs
No. of SHGs Amount No. of SHGs Amount Number of SHGs Amount of credit
(in lakh) (in lakh) credit linked mobilised
(in lakh) (Rs. in crore)
2018-19 439503 66705.76 213461 138599.03 31.17 60631.37
2019-20 469805 68178.76 229051 143625.58 34.08 70267.53
2020-21 554224 80428.00 322154 188475.63 47.73 84447.31
2021-22
(up to 31st
Dec, 2021) 455389 70436.02 318661 206552.64 32.42 81909.46
(d) & (e) There may be instances of denial of loans to women SHGs under DAY-NRLM by Banks. However, such data is not maintained centrally.
To facilitate loans from Banks to women SHGs, the following steps are taken by this Ministry under DAY-NRLM:
i. Ministry of Rural Development engages with Reserve Bank of India and National Bank for Agriculture and Rural Development (NABARD) for issue of Master circular for DAY-NRLM every year. This master circular provides the detailed guidelines to Banks for providing credit to women SHGs under DAY-NRLM.
ii. Allocation of SHG credit linkage targets to all States and Banks.
iii. Meetings / workshops with all States and Senior Officials of Banks to review credit linkage of SHGs and resolve field level challenges.
iv. Extending support for preparation of SHG loan application through SHG members placed as Bank Sakhis at the bank branches.
v. An on-line application for online submission of loan application by SHGs has also been implemented.
vi. Sensitization cum Training of officials of Rural Bank Branches on SHG bank linkage.
vii. Discussion of the credit coverage of the SHGs in the meetings of the State Level Bankers’ Committees and the Central Level Bankers’ Committee.
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