Print
XClose
Press Information Bureau
Government of India
Ministry of Rural Development
07 DEC 2022 6:08PM by PIB Delhi
The loan repayment rate by SHGs to Banks is 97.71 percent

In a written reply to a question in Rajya Sabha today, the Union Minister of State for Rural Development Sadhvi Niranjan Jyoti informed that the Loans are sanctioned by the banks in the name of Self Help Groups(SHGs). The distribution of loan to individual SHG members is done by the SHG, which is used by them for various activities. It is stated in the written reply that the loans outstanding to Self Help Groups (SHGs) as on 30th November, 2022 is Rs. 1,68,920.11 Crores.  The Loan repayment rate by SHGs to Banks is 97.71% as on 30th November, 2022.   

The Minister of State informed that the Ministry has commissioned several impact evaluation studies to understand the overall impact of the Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM). An impact evaluation study of DAY-NRLM was conducted during 2019-20 by the International Initiative for Impact Evaluation (3ie) with the support of the World Bank. The assessment covered 9 states with around 27,000 respondents and 5,000 SHGs across Bihar, West Bengal, Odisha, Jharkhand, Madhya Pradesh, Chhattisgarh, Maharashtra, Rajasthan and Uttar Pradesh. The evaluation indicates that an additional exposure to the Mission for 2.5 years led to:

  1. Increase in income by 19% over the base amount.
  2. Decline in share of informal loans by 20%
  3. Increase in savings by 28%
  4. Improved labour force participation - proportion of females reporting secondary occupation is higher (4%) in treatment areas.
  5. Improved access to other Schemes - Significant increase in number of social schemes availed by treatment households (6.5% higher over the base value of 2.8 schemes).

The State-wise details of loan outstanding with SHGs as per the data on the Bank Linkage portal of the Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM) as on 30th November, 2022 is placed is as follows-

(Amount Rs. in Crores)

S.No

State/UTs

Loan Outstanding Amount

(As on 30th  November, 2022 )

1

ANDAMAN & NICOBAR ISLANDS

0.83

2

ANDHRA PRADESH

55897.82

3

ARUNACHAL PRADESH

12.46

4

ASSAM

2393.04

5

BIHAR

12275.30

6

CHATTISGARH

1249.59

7

GOA

49.22

8

GUJARAT

448.18

9

HARYANA

288.31

10

HIMACHAL PRADESH

173.55

11

JAMMU & KASHMIR

414.19

12

JHARKHAND

2502.91

13

KARNATAKA

19851.27

14

KERALA

7062.52

15

LADAKH

0.81

16

LAKSHADWEEP

1.31

17

MADHYA PRADESH

1958.14

18

MAHARASHTRA

5408.98

19

MANIPUR

24.22

20

MEGHALAYA

81.43

21

MIZORAM

48.64

22

NAGALAND

69.99

23

ODISHA

7067.64

24

PUDUCHERRY

159.01

25

PUNJAB

84.07

26

RAJASTHAN

1147.76

27

SIKKIM

26.99

28

TAMIL NADU

13025.00

29

TELANGANA

20224.75

30

THE DADRA AND NAGAR HAVELI AND DAMAN AND DIU

0.87

31

TRIPURA

255.97

32

UTTARAKHAND

106.11

33

UTTAR PRADESH

632.16

34

WEST BENGAL

15977.07

 

Total

168920.11

****

SNC/NR/PK/MS