**Executive Summary**
The 25th Central Level Coordination Committee (CLCC) Meeting, organized by the Ministry of Rural Development under the DAY-NRLM, was held in Hyderabad, Telangana. Dr. Chandra Sekhar Pemmasani addressed the meeting, advocating for simplified and standardized processes to empower women entrepreneurs through SHGs. The meeting highlighted the progress and impact of the NRLM and the importance of strengthening bank linkages for SHGs. The date of the posting was 21 FEB 2024.
**Key Points / Main Content**
* **Meeting Overview:**
* The 25th CLCC meeting was organized by the Ministry of Rural Development under the Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM).
* The meeting took place in Hyderabad, Telangana.
* **Key Discussion Points:**
* Dr. Pemmasani advocated for a single standardized loan application system for women entrepreneurs.
* He emphasized the need for digital integration of KYC and transaction data.
* The importance of simplified appraisal mechanisms and real-time dashboards accessible to banks and stakeholders was highlighted.
* Banks were urged to adopt time-bound processing norms and strengthen last-mile outreach via Cluster Level Federations (CLFs).
* The Central Government is committed to building transparent digital systems and strengthening multi-stakeholder collaboration.
* **SHG Performance and Impact:**
* Loan disbursement to SHGs has increased nearly tenfold from ₹23,000 crore in 2013 to approximately ₹2 lakh crore in 2024.
* Nearly 50–60 lakh Lakhpati Didis have been facilitated with bank linkages.
* Individual enterprise financing has increased significantly.
* SHG NPAs remain below 1.5%, indicating the discipline and creditworthiness of women entrepreneurs.
* **Strategic Focus:**
* Emphasis on financial literacy, marketing support, and digital platforms like She-Marts to nurture women-led rural businesses.
* **Background on CLCC:**
* The CLCC assists the Department of Rural Development in policy formulation, monitoring, and evaluation of SHG Bank Linkages.
* The Secretary, Ministry of Rural Development, chairs the CLCC.
* Committee members include representatives from various governmental and banking institutions.
**Impact Analysis**
**Stakeholder: Women Entrepreneurs (SHG Members)**
* **Impact:** The standardization and simplification of loan applications, integration of digital processes, and improved access to bank linkages aim to empower women entrepreneurs and support their businesses. The emphasis on financial literacy and marketing support will also enhance their capabilities.
* **Action Required:** Women entrepreneurs should utilize the new standardized loan application system and engage with digital platforms and training programs to enhance their business skills and access financial resources.
**Stakeholder: Banks and Financial Institutions**
* **Impact:** Banks are urged to adopt time-bound processing norms, strengthen last-mile outreach through CLFs, and consider dedicated officers for SHG engagement.
* **Action Required:** Banks need to implement streamlined processes for SHG loan applications, enhance outreach to SHGs through CLFs, and consider assigning dedicated personnel for SHG engagement.
**Stakeholder: Ministry of Rural Development and Government Agencies**
* **Impact:** The Ministry is responsible for facilitating the implementation of the standardized processes, monitoring the progress of SHG-Bank linkages, and ensuring multi-stakeholder collaboration.
* **Action Required:** Continue to formulate policies and provide support to SHGs, monitor SHG performance and address any challenges.
Key Entities Referenced
Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM): A national program under the Ministry of Rural Development to alleviate poverty by enabling self-employment and creating sustainable livelihood opportunities for the rural poor.
Central Level Coordination Committee (CLCC): A committee constituted to assist the Department of Rural Development in policy formulation, monitoring, and evaluation of SHG Bank Linkages.
Ministry of Rural Development: The central ministry responsible for implementing rural development programs, including DAY-NRLM, and chairing the CLCC.
Lakhpati Didi: Initiative facilitating women, connected with Self Help Groups, to achieve annual income of one lakh rupees.
Hyderabad: Location of the 25th CLCC meeting.
Ministry of Rural Development
Dr. Chandra Sekhar Pemmasani addressed the
25th CLCC meeting in Hyderabad
Calls for Single Standardised Loan Application, Digital
Integration and Real-Time Dashboards to Empower Women
Entrepreneurs
SHG NPAs Below 1.5%; Women Entrepreneurs are India’s
Most Loyal and Underserved Customers: MoS Rural
Development
Posted On: 21 FEB 2026 7:15PM by PIB Delhi
Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM), Ministry of Rural
Development, Government of India, organised the 25th Central Level Coordination Committee (CLCC)
Meeting today in Hyderabad, Telangana. The Union Minister of State for Rural Development and
Communications, Dr. Chandra Sekhar Pemmasani, addressed the 25th Central Level Coordination
Committee (CLCC) meeting under Deendayal Antyodaya Yojana–National Rural Livelihoods Mission
(DAY-NRLM) in Hyderabad today. Union Minister for Agriculture & Farmers’ Welfare and Rural
Development Shri Shivraj Singh Chouhan and Minister for Panchayat Raj, Rural Development, and
Women & Child Welfare, Telangana and D. Anasuya Seethakka were also present on this occasion.
The Minister of State lauded their leadership and commitment to strengthening rural livelihoods. He
congratulated the Government of Telangana for the significant progress achieved under NRLM and
appreciated the dedication of officials, banking partners and SHG functionaries in advancing the
Lakhpati Didi movement. Highlighting the scale of transformation, the Minister noted that loan
disbursement to SHGs has grown nearly tenfold—from ₹23,000 crore in 2013 to around ₹2 lakh crore in
2024—reflecting the strength of the SHG–Bank linkage ecosystem. He pointed out that nearly 50–60
lakh Lakhpati Didis have been facilitated with bank linkages, and individual enterprise financing has
surged from ₹138 crore benefiting 30,000 women in 2021 to over ₹8,300 crore reaching more than 5.5lakh women entrepreneurs this year. Emphasising that SHG NPAs remain below 1.5%, significantly
lower than many other segments, he said this demonstrates the discipline and creditworthiness of women
entrepreneurs.
Calling for systemic reforms to further accelerate credit access, Dr. Pemmasani advocated a single
standardised application system for women entrepreneurs, integration of digital KYC and transaction
data, simplified appraisal mechanisms, and the creation of real-time dashboards accessible to banks and
stakeholders. He urged banks to adopt time-bound processing norms, strengthen last-mile outreach
through Cluster Level Federations (CLFs), and consider dedicated officers for SHG engagement.
Stressing that Lakhpati Didis are not beneficiaries of charity but dependable economic partners, he also
stressed the importance of financial literacy, marketing support, digital platforms such as She-Marts and
enterprise capacity building to nurture women-led rural businesses. Concluding his address, he
reaffirmed the Central Government’s commitment under the leadership of the Prime Minister to build
transparent digital systems and strengthen multi-stakeholder collaboration to transform SHG members
into vibrant rural entrepreneurs, driving inclusive and sustainable economic growth.
Background
The Central Level Coordination Committee (CLCC) has been constituted to assist the Department of
Rural Development in policy formulation, monitoring, and evaluation of SHG Bank Linkages. The
CLCC meets every year. Secretary, Ministry of Rural Development is the Chairman of the Committee.
The members of the Committee include Deputy Governor, Reserve Bank of India, Secretaries to some
Central Ministries, Managing Director, NABARD, State Secretaries of Rural Development, Chairman-
cum-Managing Director of all Commercial Sector Banks among others.Over the last 14 years, the Mission has established deep roots across all States and Union Territories,
mobilising more than 10 Crore rural poor women into 93 Lakh Self Help Groups (SHGs) and their
federations. These institutions today manage an internal corpus exceeding ₹1.2 Lakh Crore. With a
strong focus on access to formal finance, the programme has witnessed overwhelming participation from
the banking sector, with cumulative credit disbursements of over ₹12 Lakh Crore, supported by
consistently high on-time repayment by SHG members.
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RC/MS
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