This document is a response to Unstarred Question No. 1477 in the Lok Sabha, answered on February 9, 2026, concerning Non-Performing Assets (NPAs) in Women Self Help Groups (SHGs). The Minister of State in the Ministry of Finance, Shri Pankaj Chaudhary, provided the details of Gross NPAs in Women SHGs for States/Union Territories as informed by the National Bank for Agriculture and Rural Development (NABARD) as of 30.09.2025.
The five states with the highest Gross NPAs in Women SHGs, as of 30.09.2025, are:
1. Tamil Nadu: ₹135966.13 lakh
2. Telangana: ₹61681.94 lakh
3. Karnataka: ₹58246.3 lakh
4. West Bengal: ₹53106.35 lakh
5. Andhra Pradesh: ₹40762.77 lakh
The annexure provides a state-wise breakdown of the Gross NPAs in Women SHGs as of 30.09.2025, including Union Territories.
Key Entities Referenced
Non-Performing Assets (NPAs): Debts where the borrower has not made scheduled payments for a specific period.
Women Self Help Groups (SHGs): Small groups of women, typically from disadvantaged backgrounds, who pool their savings and resources to access credit and improve their livelihoods.
National Bank for Agriculture and Rural Development (NABARD): An apex development finance institution in India that is responsible for promoting sustainable and equitable agriculture and rural development.
Ministry of Finance: The Indian government ministry responsible for economic and financial matters.
Tamil Nadu: A state in India with the highest Non-Performing Assets in Women Self Help Groups (SHGs).
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. 1477
ANSWERED ON MONDAY, 9 FEBRUARY, 2026/ 20 MAGHA, 1947 (SAKA)
NPAs in Women Self Help Groups (SHGs)
1477. DR. SHARMILA SARKAR:
Will the Minister of FINANCE be pleased to state:
(a) the details of Non-Performing Assets (NPAs) in Women Self Help Groups (SHGs) in the
country, State-wise; and
(b) the details of five States that have the highest NPAs, State-wise?
ANSWER
MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) As informed by National Bank for Agriculture and Rural Development (NABARD), the
details of Gross Non-Performing Assets (NPAs) in Women Self Help Groups (SHGs) for States/
Union Territories (UTs) in the Country, as on 30.09.2025, are provided in the Annexure.
(b) the details of five States that have the highest Gross NPAs in Women SHGs, as on
30.09.2025:
Sr. No. Name of the States/ Union Territories (UTs) Amount in ₹ lakh
1 Tamil Nadu 135966.13
2 Telangana 61681.94
3 Karnataka 58246.3
4 West Bengal 53106.35
5 Andhra Pradesh 40762.77
******Annexure
(Amount in ₹ lakh)
Sr.
Name of the State/ Union Territory Amount of Gross NPAs in Women SHGs
No.
1 Andaman and Nicobar Islands 79.37
2 Andhra Pradesh 40762.77
3 Arunachal Pradesh 149.27
4 Assam 8670.79
5 Bihar 27440.24
6 Chandigarh 1.14
7 Chhattisgarh 5905.28
8 Delhi 97.77
9 Goa 155.88
10 Gujarat 3198.02
11 Haryana 1859.81
12 Himachal Pradesh 1154.27
13 Jammu And Kashmir 232.66
14 Jharkhand 6704.26
15 Karnataka 58246.3
16 Kerala 39161.86
17 Ladakh 1.96
18 Lakshadweep 0
19 Madhya Pradesh 10903.42
20 Maharashtra 31958.43
21 Manipur 565.66
22 Meghalaya 1969.01
23 Mizoram 355.41
24 Nagaland 1147
25 Odisha 25277.55
26 Puducherry 1552.2
27 Punjab 1095.45
28 Rajasthan 10658.74
29 Sikkim 50.93
30 Tamil Nadu 135966.13
31 Telangana 61681.94
32 The Dadra and Nagar Haveli 5.73
33 Tripura 928.96
34 Uttar Pradesh 22891.96
35 Uttarakhand 1820.55
36 West Bengal 53106.35
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