**Executive Summary**
This document is a response to Lok Sabha Unstarred Question No. 536, answered on March 2, 2026, concerning the Self-Help Group (SHG) program under the Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM). The response provides data on the mobilization of rural households into SHGs, the impact of Bank Sakhis on financial inclusion, and the number of enterprises supported under the DAY-NRLM's entrepreneurship component, all as of December 2025.
**Key Points / Main Content**
* **SHG Mobilization:**
* 10.05 crore households have been mobilized into 90.91 Lakh Self Help Groups (SHGs) under DAY-NRLM as of December 2025.
* **Bank Sakhis and Financial Inclusion:**
* The deployment of Bank Sakhis at the branch level has strengthened the SHG-Bank linkage.
* Bank Sakhis identify eligible SHGs for bank linkage, prepare and facilitate loan applications (including loan review and enhancement), and follow up on pending loan proposals monthly.
* A Community Based Recovery Mechanism (CBRM) has been institutionalized at each bank branch to ensure timely and regular repayment of bank loans by SHGs.
* 50,548 Bank Sakhis have been deployed, enabling women SHGs to access ₹12.18 lakh crore in institutional bank credit since 2013-14.
* **Entrepreneurship Component:**
* Under the SVEP umbrella, 5.88 lakhs enterprises have been supported under the entrepreneurship component of DAY-NRLM as of December 2025.
**Impact Analysis**
**Rural Households Mobilized into SHGs**
* **Impact**: Enhanced access to financial resources, improved livelihoods, and empowerment through collective action.
* **Action Required**: Continue active participation in SHG activities, including meetings, savings, and loan repayments.
**Bank Sakhis**
* **Impact**: Bank Sakhis have enhanced the linkage between SHGs and Banks.
* **Action Required**: Continue identifying eligible SHGs for bank linkage, preparing and facilitating loan applications and loan enhancements.
**Enterprises Supported under DAY-NRLM**
* **Impact**: Increase in the entrepreneurship component of DAY-NRLM.
* **Action Required**: Support further activities under the scheme.
Key Entities Referenced
Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM): A scheme aimed at mobilising rural households into Self Help Groups (SHGs) and enhancing rural financial inclusion.
Self Help Groups (SHGs): Groups of rural households mobilized under DAY-NRLM.
Ministry of Rural Development: The government ministry responsible for the DAY-NRLM program.
Bank Sakhis: Individuals deployed to strengthen the SHG-Bank linkage by identifying eligible SHGs for bank linkage.
GOVERNMENT OF INDIA
MINISTRY OF RURAL DEVELOPMENT
DEPARTMENT OF RURAL DEVELOPMENT
LOK SABHA
UNSTARRED QUESTION NO. 536
ANSWERED ON 03/02/2026
SELF-HELP GROUP UNDER DAY-NRLM
536. Shri Rajesh NaranbhaiChudasama:
Smt. PoonambenHematbhaiMaadam:
Shri BhartruhariMahtab:
Shri KhagenMurmu:
Will the Minister of RURAL DEVELOPMENT be pleased to state:
(a) the number of rural households mobilised into Self Help Groups
(SHGs) under DeendayalAntyodayaYojana – National Rural
Livelihoods Mission (DAY-NRLM) as on December 2025;
(b) whether the deployment of Bank Sakhis under the Scheme has
enhanced rural financial inclusion and access to institutional
credit, if so, the details thereof; and
(c) the number of enterprises supported under the
entrepreneurship component of DAY-NRLM as on December
2025?
ANSWER
MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT
(DR. CHANDRA SEKHAR PEMMASANI)
(a): 10.05 crore Households have been mobilised into 90.91 Lakh
Self Help Groups (SHGs) under DeendayalAntyodayaYojana –
National Rural Livelihoods Mission (DAY-NRLM) as on December
2025.
(b): The deployment of Bank Sakhis at the branch level has
significantly strengthened the SHG–Bank linkage under the scheme.
Bank Sakhis play a key role in identifying eligible Self Help Groups
(SHGs) for bank linkage, preparing and facilitating the submission of
loan applications, including cases of loan review and enhancement,
and regularly following up on pending loan proposals on a monthly
basis.
Page 1 of 2In addition, a Community Based Recovery Mechanism (CBRM)
has been institutionalised at each bank branch to ensure timely and
regular repayment of bank loans by SHGs.
As on date, 50,548 Bank Sakhis have been deployed, who have
collectively enabled women SHGs to access institutional bank
credit amounting to ₹12.18 lakh crore since the inception of the
scheme in 2013–14, thereby substantially enhancing rural financial
inclusion.
(c): Under the SVEP umbrella, a total of 5.88 lakhs enterprises
have been supported under the entrepreneurship component of DAY-
NRLM as on December 2025.
*****
Page 2 of 2