(a) whether the Government proposes to modify/revise the Rashtriya Mahila Kosh (RMK);
(b) if so, the details thereof;
(c) the extent to which the RMK has helped in improving the living conditions of
women in the country;
(d) the quantum of funds sanctioned and disbursed to individuals/groups by RMK during
each of the last three years and the current year; and
(e) the mechanism in place to monitor the implementation of the scheme and to recover
the loan?
MINISTER OF STATE OF THE MINISTRY OF WOMEN AND CHILD DEVELOPMENT (SHRIMATI KRISHNA TIRATH)
(a) & (b): A proposal has been moved to restructure and strengthen Rashtriya Mahila Kosh
from existing single office Society to Government owned Non Deposit Taking Systemically
Important Non-Banking Finance Company (NBFC-ND-SI) u/s 617 of the Companies Act with a
Pan-India office network.
(c): An impact study of RMK loans on poor women conducted in 2007-08 indicated:
# 86% of the beneficiaries below poverty line
# Monthly income increased between Rs. 2000/- to Rs. 4000/-
# 54% reported increase in household expenditure
# High number of beneficiaries reported improvement in food consumption pattern
# 87% reported increase in household assets - T.V., fridge, fan, telephone etc.
# Access to medical facility increased for majority of beneficiaries.
# Increase in their self-confidence and security with increased income through activities
taken up with RMK loans
# Many beneficiaries reported improvement in their standard of living
# Most beneficiaries also opined that women participation in micro- finance led to
decrease in domestic violence.
(d): The details of funds sanctioned and disbursed by RMK and the number of
beneficiaries during the last three years and the current year are given below:
(Rs in lakhs)
Year Loans Sanctioned Loans Disbursed No. of Beneficiaries
2009-10 1471.00 1563.03 15,404
2010-11 1278.00 1249.15 13,362
2011-12 1985.00 1631.00 18,182
2012-13 1553.00 1126.50 13,827 (upto 28.02.13)