**Policy Summary: Self-Help Group (SHG) Bank Linkage Programme (SHGBLP)**
This document summarizes key data and government initiatives related to bank loans for Self-Help Groups (SHGs) in India, as of March 31, 2025.
**Key Data:**
* **Outstanding Loans:** As of March 31, 2025, loans outstanding to 84.94 lakh SHGs amounted to ₹3,04,258.74 crore.
* **Loan Disbursements (FY 2024-25):** During the financial year 2024-25, ₹2,08,282.67 crore was disbursed to 55.57 lakh SHGs.
* **Non-Performing Assets (NPA):** The percentage of Gross Non-Performing Assets (GNPA) on bank loans to SHGs was 1.74% as of March 31, 2025.
**Government Initiatives to Facilitate Credit Access:**
* **Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM):** This program provides interest subvention to all women SHGs across the country, including Chhattisgarh, to lower the effective cost of bank credit.
* **Credit Guarantee Fund for Micro Units (CGFMU):** This fund provides guarantee coverage on micro loans up to ₹20 lakhs for the Manufacturing and Service sectors including retail trade and loans for allied agricultural activities are eligible to be covered under CGFMU. Further, loans sanctioned to SHGs between ₹10 lakh and ₹20 lakh are eligible for guarantee coverage under CGFMU Scheme.
* **Credit Guarantee Fund for Stand-Up India (CGFSI):** This fund provides guarantee cover for loans between ₹10 lakh and ₹1 crore sanctioned by Scheduled Commercial Banks (SCBs) to SC/ST and women entrepreneurs.
**Source:** Ministry of Finance, Department of Financial Services, Lok Sabha Unstarred Question No. 3451, Answered on Monday, 11th August, 2025. Information provided by the National Bank for Agriculture and Rural Development (NABARD).
Key Entities Referenced
Self Help Groups: Groups of individuals, often women, who pool their resources to access financial services and support each other's economic activities.
Ministry of Finance: A department of the Government of India responsible for financial matters.
Chhattisgarh: A state in India, specifically mentioned in the context of facilitating access to credit for the rural poor.
National Bank for Agriculture and Rural Development: An apex development finance institution in India, also known as NABARD, responsible for promoting sustainable and equitable agriculture and rural development.
SelfHelp GroupBank Linkage Programme: A program, also known as SHGBLP, aimed at linking self-help groups with banks to provide them with access to credit.
Deendayal Antyodaya YojanaNational Rural Livelihoods Mission: A national program, also known as DAYNRLM, to alleviate poverty by enabling poor households to access gainful self-employment and skilled wage employment opportunities.
Credit Guarantee Fund for Micro Units: A fund, also known as CGFMU, that provides guarantee coverage on micro loans to manufacturing and service sector including retail trade and loans for allied agricultural activities.
Credit Guarantee Fund for StandUp India: A fund, also known as CGFSI, that provides guarantee cover for loans sanctioned by Scheduled Commercial Banks to Scheduled Caste, Scheduled Tribe and women entrepreneurs.
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 3451
ANSWERED ON MONDAY, 11th AUGUST, 2025/ 20 SRAVANA 1947 (SAKA)
NPA ON SELF HELP GROUPS BORROWERS
†3451. SMT. VIJAYLAKSHMI DEVI:
Will the Minister of FINANCE be pleased to state:
(a) the details of loans disbursed by banks to Self-Help Groups and the outstanding loans against
them till date;
(b) the steps taken so far by the Government to facilitate access to credit for the rural poor of
Chhattisgarh along with the instructions issued to the banks for providing loans under this
scheme; and
(c) the percentage of Non-Performing Assets (NPA) on bank loans given to self-help groups?
ANSWER
MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) The details of loans disbursed by banks and the outstanding loans to Self-Help Groups
(SHGs) under the Self-Help Group-Bank Linkage Programme (SHG-BLP), as informed by the
National Bank for Agriculture and Rural Development (NABARD) are as follows:
i) As on 31st March, 2025, loans amounting to ₹3,04,258.74 crore are outstanding to 84.94
lakh SHGs.
ii) During FY 2024-25, loans amounting to ₹2,08,282.67 crore were disbursed to 55.57 lakh
SHGs.
(b) The steps taken by the Government to facilitate access to credit for the rural poor of the states
including Chhattisgarh and instructions issued to the banks are as follows:
i) Deendayal Antyodaya Yojana–National Rural Livelihoods Mission (DAY-NRLM)
provides interest subvention to all women SHGs across the country, including Chhattisgarh,
to reduce effective cost of bank credit to women SHGs.ii) The Credit Guarantee Fund for Micro Units (CGFMU) provides guarantee coverage on
micro loans up to ₹20 lakhs under Manufacturing/ Services sector including retail trade and
loans for allied agricultural activities are eligible to be covered under CGFMU. Further,
loans sanctioned to SHGs between ₹10 lakh and ₹20 lakh are eligible for guarantee coverage
under CGFMU Scheme.
iii) Credit Guarantee Fund for Stand-Up India (CGFSI) provides guarantee cover for loans
between ₹10 lakh and ₹1 crore sanctioned by Scheduled Commercial Banks (SCBs) to
SC/ST and women entrepreneurs.
(c) As informed by NABARD, the percentage of Gross Non-Performing Assets (GNPA) on bank
loans to SHGs stood at 1.74% as on 31st March, 2025.
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