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O.I.H.
GOVERNMENT OF INDIA
MINISTRY OF RURAL DEVELOPMENT
DEPARTMENT OF RURAL DEVELOPMENT
LOK SABHA
UNSTARRED QUESTION NO. 2694
ANSWERED ON 04/08/2026
FORMATION OF SHGS UNDER DAY-NRLM
2694. Shri Arun Govil:
Dr. Rajeev Bharadwaj:
Will the Minister of RURAL DEVELOPMENT be pleased to state:
(a) whether the Government has decided that Self Help Groups will
now be formed only for needy women, if so, the details thereof
and the scheme formulated to strengthening the current
functioning of SHGs;
(b) the total number of SHGs formed so far under the Deendayal
Antyodaya Yojana-National Rural Livelihoods Mission (DAY-
NRLM) along with the total amount of bank loans disbursed to
them, State and district-wise including Dewas- Shajapur, Kangra
and Chamba Lok Sabha Constituencies of Madhya Pradesh and
Himachal Pradesh;
(c) the number of loan accounts categorized as Non-Performing
Assets (NPAs) out of the said loans along with the total NPA
amount;
(d) whether the Government is aware that the income of Self Help
Groups can be significantly enhanced through dairy activities, if
so, the details thereof;
(e) the steps taken by the Government to link such groups with
dairy business, milk collection, processing and marketing;
(f) whether the Government are undertaking any specific initiative
to integrate them with schemes like 'Lakhpati Didi', if so, the
details thereof along with the efforts made in this regard in
Meerut-Hapur Lok Sabha Constituencies; and
(g) the details of the schemes formulated by the Government to
strengthen the currently functioning SHGs?
Page 1 of 10ANSWER
MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT
(DR. CHANDRA SEKHAR PEMMASANI)
(a): The Deendayal Antyodaya Yojana–National Rural Livelihoods
Mission (DAY-NRLM) schemes adheres to the principle of universal
social mobilization, which aims to organize all identified rural poor
households by mobilizing at least one-woman member from each
household into a Self-Help Group (SHG), ensuring that no poor
household is left behind. The identification of poor households is
undertaken through the Socio-Economic and Caste Census (SECC)
2011 and the Participatory Identification of Poor (PIP) process.
Recognizing that poverty and social exclusion are multidimensional,
the Mission places special emphasis on reaching the most vulnerable
and marginalized groups, including Scheduled Castes (SCs),
Scheduled Tribes (STs), Particularly Vulnerable Tribal Groups
(PVTGs), minorities, persons with disabilities (PwDs), elderly
persons, transgender persons, single women, women-headed
households, migrant families, and other socially excluded
communities.
The Deendayal Antyodaya Yojana–National Rural Livelihoods
Mission (DAY-NRLM) is being implemented to strengthen the
functioning of Self-Help Groups (SHGs) through continuous capacity
building in group management, financial literacy, bookkeeping, and
livelihoods. Funds are provided to SHGs in the form of Revolving Fund
(RF) and Community Investment Fund (CIF) to strengthen their
financial base, along with facilitating savings, bank credit, interest
subvention, and other financial services. The Mission also promotes
sustainable farm and non-farm livelihoods, enterprise development,
skill enhancement, and market linkages, while strengthening Village
Organisations (VOs) and Cluster Level Federations (CLFs) for
institutional support. Further, community cadres such as Bank
Sakhis, Krishi Sakhis, and Pashu Sakhis provide last-mile services.
(b): The total number of SHGs formed under DAY-NRLM scheme is
given at Annexure -I and total amount of bank loan disbursed to
states/UTs is placed at Annexure-II. Bank loan disbursed to Dewas-
Shajapur, Kangra and Chamba Lok Sabha Constituencies of Madhya
Pradesh and Himachal Pradesh are given at Annexure - III & IV
respectively.
(c): The NPA data is not maintained district wise, however, the NPA
account & amount in respect of Madhya Pradesh is 14308 and
Page 2 of 10Rs.13,305 lakh respectively and as far as Himachal Pradesh
concerned NPA Accounts is 478 and amount is Rs.638.56 lakh.
(d) & (e): In order to enhance the income of SHGs through dairy
activities following measures are undertaken by the Government.
i. The Department of Animal Husbandry & Dairying (DAHD) is
implementing schemes such as National Programme for Dairy
Development (NPDD), Supporting Dairy Cooperatives & Farmer
Producer Organisations engaged in dairy activities (SDCFPO),
Animal Husbandry Infrastructure Development Fund (AHIDF)
across the country to complement and supplement the efforts
of State Governments in strengthening dairy infrastructure.
These schemes aim to expand the network of dairy
cooperatives, strengthen dairy infrastructure, meet working
capital needs. These measures help to strengthen
cooperatives, expand the organised dairy sector, and ensure
that milk producers receive the maximum share of the
consumer price. The SHGs are eligible to avail assistance under
the schemes as per the norms of the scheme.
ii. Under DAY-NRLM, special attention has been given to promote
women owned dairy based collectives who are into
aggregation, value addition and marketing of milk. These
collectives have also been provided support for milk collection,
processing and marketing.
iii. Besides, the SHGs members are mobilised by the States to
aggregate and supply milk to local dairy cooperatives and
companies.
(f): The Lakhpati Didi initiative is an outcome of DAY-NRLM. The
objective of the initiative is to enable SHG member earn an income
of at least Rs.1.00 lakh as on sustainable basis (for 4 agricultural /
business cycles). The mission is facilitating SHG members through
structural approach of identifying potential Lakhpati Didi, training &
facilitating them to have income generating activities. So far, 3.46
crore Lakhpati Didis have been enabled across the country, including
24,000 in Meerut and 13,000 in Hapur, Uttar Pradesh.
(g): The Deendayal Antyodaya Yojana–National Rural Livelihoods
Mission (DAY-NRLM) is being implemented to strengthen the
functioning of Self-Help Groups (SHGs) through continuous capacity
building in group management, financial literacy, bookkeeping, and
livelihoods. Funds are provided to SHGs in the form of Revolving Fund
(RF) and Community Investment Fund (CIF) to strengthen their
financial base, along with facilitating savings, bank credit, interest
subvention, and other financial services. The Mission also promotes
Page 3 of 10sustainable farm and non-farm livelihoods, enterprise development,
skill enhancement, and market linkages, while strengthening Village
Organisations (VOs) and Cluster Level Federations (CLFs) for
institutional support. Further, community cadres such as Bank
Sakhis, Krishi Sakhis, and Pashu Sakhis provide last-mile services.
*****
Page 4 of 10Annexure -I
Annexure referred to in reply of Part (b) of Lok Sabha Unstarred
Question No. 2694 for answer on 04.08.2026 regarding “Formation of
SHGs under DAY-NRLM”.
State/UT wise number of SHGs formed under DAY-NRLM
Sl
No. States/UTs SHG Formed
1 Andaman And Nicobar Islands 1343
2 Andhra Pradesh 827133
3 Arunachal Pradesh 12853
4 Assam 356760
5 Bihar 1353025
6 Chhattisgarh 291453
Dadra and Nagar Haveli and Daman and
7 Diu 1823
8 Goa 3462
9 Gujarat 232911
10 Haryana 62921
11 Himachal Pradesh 44033
12 Jammu And Kashmir 96637
13 Jharkhand 320838
14 Karnataka 297982
15 Kerala 238981
16 Ladakh 2119
17 Lakshadweep 348
18 Madhya Pradesh 515943
19 Maharashtra 667562
20 Manipur 13689
21 Meghalaya 47946
22 Mizoram 10083
23 Nagaland 15333
24 Odisha 551414
25 Puducherry 4927
26 Punjab 57337
27 Rajasthan 336928
28 Sikkim 5895
29 Tamil Nadu 348977
30 Telangana 393845
31 Tripura 54860
32 Uttar Pradesh 871820
33 Uttarakhand 69811
34 West Bengal 1167882
Total 92,78,874
Page 5 of 10District wise number of SHGs formed under DAY-NRLM including Dewas and
Shajapur, in Madhya Pradesh
Sl. No. Districts Total SHG
1. Agar 4676
2. Alirajpur 8292
3. Anuppur 7782
4. Ashok Nagar 5940
5. Balaghat 19300
6. Barwani 11185
7. Betul 13703
8. Bhind 4793
9. Bhopal 4540
10. Burhanpur 4520
11. Chhatarpur 13252
12. Chhindwara 13757
13. Damoh 13756
14. Datia 4618
15. Dewas 8399
16. Dhar 16203
17. Dindori 9649
18. Guna 10683
19. Gwalior 5237
20. Harda 3975
21. Indore 4664
22. Jabalpur 11008
23. Jhabua 11903
24. Katni 11623
25. Khandwa 8108
26. Khargone 15994
27. Maihar 5701
28. Mandla 13107
29. Mandsaur 5514
30. Mauganj 5515
31. Morena 8855
32. Narmadapuram 7370
33. Narsinghpur 8926
34. Neemuch 4033
35. Niwari 3389
36. Pandhurna 3116
37. Panna 10463
38. Raisen 10545
39. Rajgarh 15743
40. Ratlam 8483
41. Rewa 13160
42. Sagar 18491
43. Satna 9088
44. Sehore 9088
45. Seoni 14619
46. Shahdol 12742
47. Shajapur 6156
48. Sheopur 5850
49. Shivpuri 12837
50. Sidhi 10829
51. Singroli 10551
52. Tikamgarh 7600
53. Ujjain 8534
54. Umaria 6435
55. Vidisha 11643
Total 5,15,943
Page 6 of 10District wise number of SHGs formed under DAY-NRLM including
Kangra and Chamba in Himachal Pradesh.
Sl. No. Districts Total SHG
1. Bilaspur 2205
2. Chamba 2959
3. Hamirpur 2754
4. Kangra 8486
5. Kinnaur 789
6. Kullu 3404
7. Lahul and Spiti 245
8. Mandi 8308
9. Shimla 5720
10. Sirmaur 3988
11. Solan 2387
12. Una 2788
Total 44,033
*****
Page 7 of 10Annexure -II
Annexure referred to in reply of Part (b) of Lok Sabha Unstarred
Question No. 2694 for answer on 04.08.2026 regarding “Formation of
SHGs under DAY-NRLM”.
Amount of bank loans disbursed to Women SHGs up to June 2026
Sl.No. States/UTs Total Amount (in ₹ Crore)
1 Andaman & Nicobar Islands 20.12
2 Andhra Pradesh 369426.53
3 Arunachal Pradesh 236.2
4 Assam 26748.22
5 Bihar 71599.9
6 Chhattisgarh 12425.45
7 Goa 455.49
8 Gujarat 4528.35
9 Haryana 2829.09
10 Himachal Pradesh 1466.83
11 Jammu & Kashmir 3281.24
12 Jharkhand 20522.73
13 Karnataka 179081.93
14 Kerala 48297.53
15 Ladakh 6.06
16 Lakshadweep 3.89
17 Madhya Pradesh 18943.53
18 Maharashtra 52561.22
19 Manipur 245.78
20 Meghalaya 839.51
21 Mizoram 287.49
22 Nagaland 323.96
23 Odisha 70972.59
24 Puducherry 1406.38
25 Punjab 822.1
26 Rajasthan 13278.18
27 Sikkim 264.53
28 Tamil Nadu 117216.67
29 Telangana 146582.08
Dadra and Nagar Haveli and
30
Daman and Diu 5.16
31 Tripura 2505.03
32 Uttar Pradesh 12417.4
33 Uttarakhand 1864.97
34 West Bengal 157917.74
Total 13,39,383.88
Page 8 of 10Annexure -III
Annexure referred to in reply of Part (b) of Lok Sabha Unstarred Question No. 2694 for answer
on 04.08.2026 regarding “Formation of SHGs under DAY-NRLM”.
District wise details of bank loans disbursement including Dewas and Shajapur Districts in
Madhya Pradesh as on June, 2026
Sl No. Districts Amount (₹ in crores)
1. Agar 143.88
2. Alirajpur 406.42
3. Anuppur 403.12
4. Ashoknagar 117.27
5. Balaghat 1067.35
6. Barwani 656.71
7. Betul 727.18
8. Bhind 98.74
9. Bhopal 382.94
10. Burhanpur 149.96
11. Chhatarpur 193.69
12. Chhindwara 1031.22
13. Damoh 356.31
14. Datia 71.65
15. Dewas 490.04
16. Dhar 699.13
17. Dindori 267.34
18. Guna 210.56
19. Gwalior 222.88
20. Harda 72.8
21. Hoshangabad 340.9
22. Indore 419.16
23. Jabalpur 438.91
24. Jhabua 741.53
25. Katni 356.01
26. Khandwa (East Nimar) 350.65
27. Khargone (West Nimar) 516.69
28. Maihar 6.04
29. Mauganj 0.78
30. Mandla 809.64
31. Mandsaur 160.76
32. Morena 192.16
33. Narsinghpur 344.84
34. Neemuch 135.96
35. Niwari 34.8
36. Pandhurna 2.72
37. Panna 176.15
38. Raisen 323.6
39. Rajgarh 369.08
40. Ratlam 225.47
41. Rewa 473.69
42. Sagar 510.05
43. Satna 524.42
44. Sehore 334.82
45. Seoni 747.14
46. Shahdol 563.73
47. Shajapur 197.5
48. Sheopur 164.75
49. Shivpuri 412.65
50. Sidhi 220.61
51. Singrauli 145.83
52. Tikamgarh 151.94
53. Ujjain 305.42
54. Umaria 240.85
55. Vidisha 235.09
Total 18,943.53
Page 9 of 10Annexure -IV
Annexure referred to in reply of Part (b) of Lok Sabha Unstarred
Question No. 2694 for answer on 04.08.2026 regarding “Formation of
SHGs under DAY-NRLM”.
District wise details of bank loan disbursed in Himachal Pradesh as
on June 2026 including Kangra and Chamba Districts
Sl. Amount
No. Districts (₹ in crores)
1 Bilaspur 47.46
2 Chamba 56.18
3 Hamirpur 73.43
4 Kangra 397.60
5 Kinnaur 11.21
6 Kullu 70.89
7 Lahul & Spiti 1.71
8 Mandi 325.26
9 Shimla 191.61
10 Sirmaur 83.06
11 Solan 85.37
12 Una 123.05
TOTAL 1,466.83
*****
Page 10 of 10