Parliament Question: MOUs with banks to promote rural employment

GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT DEPARTMENT OF RURAL DEVELOPMENT RAJYA SABHA UNSTARRED QUESTION NO. 1746 TO BE ANSWERED ON 13/02/2026 MOUS WITH BANKS TO PROMOTE RURAL EMPLOYMENT 1746 Shri A. A. Rahim:

Will the Minister of Rural Development be pleased to state:

(a) the details of the MoU signed by the Ministry with banks to promote employment and enterprise financing in rural areas;

(b) the number of loans disbursed to rural entrepreneurs, especially women members of Self- Help Groups (SHGs), during the last year, with State-wise figures;

(c) whether any assessment has been undertaken on the employment outcomes generated through this collaboration, including the number of jobs created or sustained in rural areas as a result of the financing support; and

(e) the steps being taken to strengthen rural livelihoods, fostering women-led enterprises and improving access to credit through partnership with banks? ANSWER MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (DR. CHANDRA SEKHAR PEMMASANI)

(a): The Ministry has signed MoUs with the 13 Banks to promote employment and enterprise financing in rural areas. The details are placed in Annexure-I.

(b): The state-wise details of women self-help group members who were financed during the last year, i.e. 2024-25, are placed as Annexure-II.

(c): No.

(e): The following steps are taken in coordination with banks under DAY-NRLM to strengthen rural livelihoods, promote women-led enterprises and improve access to credit: i. Banks design and operationalise their own credit products for financing individual Self- Help Group (SHG) members under DAY-NRLM, which support the expansion of existing enterprises and the establishment of new livelihood activities.

ii. A structured process and standard protocols for extending bank finance to individual SHG members are in place in collaboration with State Rural Livelihoods Missions

(SRLMs). iii. Capacity building and sensitisation programmes for bank officials and SRLM functionaries are undertaken on an ongoing basis to enhance the understanding of the credit requirements of women-led enterprises.

***** Page 1 of 3ANNEXURE-I Annexure referred to in reply of part (a) of Rajya Sabha UNSTARRED QUESTION NO. 1746 to be answered on 13.02.2026 regarding "MOUs with banks to promote rural employment"

List of Banks having signed MoUs with the Ministry::- Sl No Name of Bank

1. State Bank of India

2. Bank of Maharashtra

3. Bank of India

4. Bank of Baroda

5. Canara Bank

6. Central Bank of India

7. Indian Bank

8. Indian Overseas bank

9. Punjab National Bank

10. Punjab & Sind Bank

11. UCO Bank

12. Union Bank of India

13. IDBI Bank Ltd.

Page 2 of 3ANNEXURE-II Annexure referred to in reply of part (b) of Rajya Sabha UNSTARRED QUESTION NO. 1746 to be answered on 13.02.2026 regarding "MOUs with banks to promote rural employment" No. of Women SHG members financed for setting up individual enterprises 2024-25 Amount S.No. State/UTs SHG members Financed financed (No.) (In Lakhs) 1 Andaman & Nicobar 0 0.00 2 Andhra Pradesh 73186 111331.00 3 Arunachal Pradesh 33 84.00 4 Assam 21687 27101.00 5 Bihar 3834 4600.80 6 Chhattisgarh 4968 5674.22 7 Goa 96 316.40 8 Gujarat 15901 18273.22 9 Haryana 940 928.25 10 Himachal Pradesh 278 443.80 11 Jammu & Kashmir 136 120.20 12 Jharkhand 9443 7189.37 13 Karnataka 20378 29944.54 14 Kerala 15928 23891.00 15 Ladakh 0 0.00 16 Lakshadweep 0 0.00 17 Madhya Pradesh 14091 19781.00 18 Maharashtra 48510 50520.30 19 Manipur 217 164.67 20 Meghalaya 1580 845.66 21 Mizoram 120 93.35 22 Nagaland 32 70.00 23 Odisha 0 0.00 24 Puducherry 0 0.00 25 Punjab 515 507.20 26 Rajasthan 5384 4857.00 27 Sikkim 5 7.00 28 Tamil Nadu 31746 62091.27 29 Telangana 0 0.00 Dadra & Nagar Haveli & 0 0.00 30 Daman & Diu 31 Tripura 265 412.00 32 Uttar Pradesh 934 263.20 33 Uttarakhand 1648 1582.80 34 West Bengal 10773 13499.28 Total 282628 384,592.53 ***** Page 3 of 3