Parliament Question: SHG under NRLM

O.I.H. GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT DEPARTMENT OF RURAL DEVELOPMENT LOK SABHA UNSTARRED QUESTION NO. 2591 ANSWERED ON 05/08/2025 SHG UNDER NRLM 2591. Shri BajrangManoharSonwane: Shri Sanjay HaribhauJadhav: Shri BhausahebRajaramWakchaure: Smt. Bharti Pardhi: Will the Minister of RURAL DEVELOPMENT be pleased to state: (a) the details of the schemes implemented by the Government in rural areas with a view to provide self-employment and improve livelihood of women particularly to rural women; (b) the present outreach of the DeendayalAntyodayaYojana- National Rural Livelihoods Mission (DAY -NRLM) in organizing rural women into the Self Help Groups (SHGs), State and district-wise, particularly in Maharashtra including Beed and ShirdiLokSabha Constituency; (c) the concrete proofs available with the Government regarding the social, political and economic empowerment of women; (d) the extent to which the DAY-NRLM has been successful in providing sustainable livelihood opportunities and in increasing houshold incomes of the Self-Help Group (SHG) members, particularly through farming and non-farming activities and the micro-enterprises; (e) the amount of loans taken by Self Help Groups (SHGs) from the financial institutions and the challenges faced by the SHGs in accessing timely and adequate loans; and (f) the manner in which issues such as credit linkage among the Self-Help Groups and the regional disparities in Non-Performing Assets (NPAs) are being addressed? Page 1 of 8ANSWER MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (DR. CHANDRA SEKHAR PEMMASANI) (a): DeendayalAntyodayaYojana – National Rural Livelihoods Mission (DAY – NRLM) is a poverty alleviation programme of the Ministry of Rural Development (MoRD), which was launched in June, 2011. It is being implemented across the country (except Delhi & Chandigarh) with the objective of organizing the rural poor households into Self Help Groups (SHGs) and continuously nurturing and supporting them till they attain appreciable increase in income over a period of time and improve their quality of life and come out of abject poverty. So far 10.05 crore rural women household have been mobilized into more than 90.90 lakh Self-Help Groups in the country. The Mission seeks to achieve its objective through investing in four core components viz. i. social mobilization and promotion and strengthening of self- managed and financially sustainable community institutions of the rural poor. ii. financial inclusion of the rural poor. iii. sustainable livelihoods; and iv. social inclusion, social development and convergence. (b): As of 30th June 2025, DeendayalAntyodayaYojana-National Rural Livelihoods Mission (DAY -NRLM) is being implemented in 7145 blocks in 745 districts across 28 States and 6 UTs (except Delhi and Chandigarh). Cumulatively, 10.05 crore women have been mobilized into more than 90.90 lakh SHGs. State wise number of Households and SHGs are given at Annexure-I. District wise details of Maharashtra including Beed and ShirdiLokSabha Constituency are given at Annexure-II. (c): Under DeendayalAntyodayaYojana- National Rural Livelihood Mission (DAY- NRLM) Ministry of Rural Development, has undertaken a multipronged approach towards the empowerment of women in the social, political, and economic spheres. Evidence of the progress made can be assessed from the findings of several impact evaluation studies, which the Ministry has commissioned to understand the overall impact of the DeendayalAntyodayaYojana-National Rural Livelihoods Mission (DAY-NRLM). Page 2 of 8I. An impact evaluation study of DAY-NRLM, conducted in 2019– 20 by the International Initiative for Impact Evaluation (3ie) with support from the World Bank, underscores substantial improvements in women’s empowerment through Government interventions. The study covered 9 states—Bihar, West Bengal, Odisha, Jharkhand, Madhya Pradesh, Chhattisgarh, Maharashtra, Rajasthan, and Uttar Pradesh—the assessment involved around 27,000 respondents and 5,000 Self Help Groups (SHGs). Key findings include:  Income Enhancement: Women SHGs in treatment areas experienced a 19% increase in income over the baseline.  Formalization of Credit: There was a 20% decline in reliance on informal loans, indicating improved access to formal financial services.  Savings Growth: Participants reported a 28% increase in savings, reflecting stronger financial resilience and resource management.  Workforce Participation: Labour force engagement rose significantly, with a 4% higher proportion of females reporting secondary occupations in treatment areas, compared to control areas.  Access to Social Schemes: There was a 6.5% rise in the number of social welfare schemes availed by treatment households (compared to a base of 2.8 schemes), demonstrating improved awareness and reach of public welfare programs. II. An evaluation of the Start-Up Village Entrepreneurship Programme (SVEP) was also undertaken in 2024. The study covered 1,159 sample enterprises promoted under the SVEP across 17 states, 33 districts, and 165 villages.  Empowering women through SVEP: A remarkable achievement of the programme is its strong focus on promoting women’s entrepreneurship—71% of the enterprises are women-owned— along with its role in generating employment opportunities in rural areas. About 35% of entrepreneurs were not engaged in any income-generating activity prior to starting their SVEP- supported enterprises, and approximately 74% of these enterprises have now become the primary source of household income. Page 3 of 8III. To assess the factors influencing MahilaKisans in adopting sustainable practices a study was conducted in 2024. The study was administered by covering 2,425 MahilaKisans across 240 villages, 48 blocks, and 24 districts in 6 states.  Socio-Economic empowerment of MahilaKisans: Among MahilaKisans, the reported benefits of the programme include increased confidence (48%), improved decision-making and reduced labour costs (32%), enhanced agricultural knowledge (40%), and higher grain yields (52%). Additionally, the programme contributed to an increase in annual income, with 18% of participating households reporting gains of over additional 7% additional increase in annual income. IV. Considering the wide outreach and acceptance of the BC Sakhi model across banks and regulatory bodies, and its implementation spanning over four years, MoRD commissioned a study on the effectiveness of the BC Sakhi model in 2023 which aimed to provide a comprehensive analysis of the model by examining its implementation architecture, training and deployment processes, the services delivered, and its impact on both the banking ecosystem and rural communities.  The study found that 45% of BC Sakhis have transitioned into Digi-Pay Sakhis, thereby expanding their capabilities in delivering digital financial services. An interesting trend has emerged regarding the relationship between BC Sakhis’ income levels and their entrepreneurial engagement. Over 61% of BC Sakhis rely solely on the income generated from their role as banking correspondents. BC Sakhis who rely exclusively on their role as BC agents tend to earn more from this activity than those who diversify their income sources. These outcomes gives a data-backed proof of the Government’s commitment to empowering women economically and socially through sustained & effective support under the DAY-NRLM programme. (d): In Farm Sector Self Help Groups are supported to adopt agro- ecological practices and better livestock management practices. A strong network of trained livelihood Community Resource Persons called as KrishiSakhi and PashuSakhi are deployed to handhold and provide round the year extension services to the mahilakisans. To Page 4 of 8strengthen their livelihoods in specific sub-sector/commodities, Integrated Farming Clusters are allocated to States/UTs focus interventions in a close proximity of three to five villages per clusters. As on June 2025, 4.62 crores SHG members as mahilakisans has been covered and more than 3.50 lakhs livelihoods Community Resource Persons such as KrishiSakhi and PashuSakhi are deployed across the country. For implementation of Integrated Farming Clusters 6,000 clusters have been allocated to the States/UTs. Further to support the SHG members in getting better agri- input and market access, women owned producer enterprises registered under The Companies Act, 2013, as well as Cooperative and Producer Groups are promoted across the country. As on June 2025, 1,285 Producer Enterprises (including 800 FPOs under 10K FPOs scheme of MoA&FW) and 1.95 lakhs Producer Groups covering more than 50 lakhs rural women producers. In non-farm sector, Start-up Village Entrepreneurship Programme (SVEP), the sub-scheme under the DeendayalAntyodayaYojana-National Rural Livelihoods Mission (DAY-NRLM) programme supports the Self-Help Group (SHG) and their family members to set-up small enterprises in the non-farm sector. As of 30th June 2025, 3.74 lakh enterprises were supported under the SVEP in 282 blocks. The SVEP evaluation study shows that 71% of the enterprises were owned and managed by SHG women and around 86% of the entrepreneurs reported an enhancement in their savings. (e): The women SHGs have taken more than ₹ 11 lakh crores loan (credit) under DAY-NRLM since 2013-14, and no challenges have been reported by the SHGs in accessing timely and adequate loans. (f): A 'Bank Sakhi' is placed at bank branch who provides multiple types of support and facilitates credit linkage for the SHGs. 47,952 Bank Sakhi have been deployed in the bank branches to facilitate credit linkage of the SHGs. Bank Sakhi is also the member of the Community Based Repayment Mechanism(CBRM) committee. Non- Performing Assets in SHG credit linkage is 1.76% and differs in States. DAY-NRLM is promoting the concept of Community Based Repayment Mechanism (CBRM) to address the issue of non- repayment or delayed repayment of loans to SHGs. CBRM committee is formed at each bank branch which is chaired by the Branch Manager of the respective Bank branch. The CBRM committee meeting is held at least once a month preferably on a Page 5 of 8pre-decided day at the bank premises or any other location as decided by the committee members. ***** ANNEXURE-I ANNEXURE REFERRED TO IN REPLY TO PART (B) OF LOK SABHA UNSTARRED QUESTION NO. 2591 FOR ANSWER ON 05.08.2025 REGARDING ―SHG UNDER NRLM‖ The details of women SHGs and Household Mobilized for states/UTs- wise Number of Household S.No Name of States/UTs SHGs Mobilized 1 Andhra Pradesh 8,55,600 90,75,289 2 Assam 3,61,516 41,11,020 3 Bihar 10,97,100 1,27,13,428 4 Chhattisgarh 2,76,375 30,68,427 5 Gujarat 2,79,758 27,83,006 6 Jharkhand 2,91,601 35,89,607 7 Karnataka 3,60,684 42,07,374 8 Kerala 2,71,209 40,02,478 9 Madhya Pradesh 4,87,291 58,29,972 10 Maharashtra 6,40,719 65,25,549 11 Odisha 5,51,141 57,75,035 12 Rajasthan 3,21,875 38,04,161 13 Tamil Nadu 3,36,764 40,23,939 14 Telangana 4,42,979 48,20,573 15 Uttar Pradesh 8,42,101 95,09,884 16 West Bengal 11,92,980 1,22,51,533 17 Haryana 60,301 6,29,094 18 Himachal Pradesh 45,295 3,78,542 19 Jammu & Kashmir 91,445 7,97,805 20 Punjab 52,118 5,43,246 21 Uttarakhand 65,840 4,97,777 22 Arunachal 11,906 93,308 23 Manipur 11,659 1,18,734 24 Meghalaya 45,312 4,44,264 25 Mizoram 10,291 85,934 26 Nagaland 15,419 1,35,261 27 Sikkim 5,915 56,675 28 Tripura 51,841 4,94,675 29 Andaman 1,294 13,194 30 Goa 3,891 50,735 31 Ladakh 1,807 12,618 32 Lakshadweep 348 4,363 33 Puducherry 4,744 59,714 Page 6 of 8Daman and Diu and Dadra and Nagar 34 1,673 16,782 Haveli Total: 90,90,792 10,05,23,996 ANNEXURE-II ANNEXURE REFERRED TO IN REPLY TO PART (B) OF LOK SABHA UNSTARRED QUESTION NO. 2591 FOR ANSWER ON 05.08.2025 REGARDING ―SHG UNDER NRLM‖ The details of women SHGs and Household Mobilized for District- wise including Beed and Shirdi District SHGs Members Constituency AHILYANAGAR 29811 293612 SHIRDI AKOLA 11884 129486 AMRAVATI 21163 218720 BEED 18157 179175 BEED BHANDARA 15063 167102 BULDHANA 23607 232889 CHANDRAPUR 21037 220786 CHHATRAPATI SAMBHAJINAGAR 18069 182563 DHARASHIV 14890 150751 DHULE 14192 139747 GADCHIROLI 15516 156297 GONDIA 19257 212439 HINGOLI 10879 114667 JALGAON 30086 304042 JALNA 15032 152572 KOLHAPUR 27792 277400 LATUR 20267 204260 NAGPUR 19541 197883 NANDED 18116 189496 NANDURBAR 17503 184480 NASHIK 30010 296961 PALGHAR 16150 164229 PARBHANI 12260 127177 PUNE 27066 270228 RAIGAD 19890 196928 RATNAGIRI 15308 161796 SANGLI 18444 182811 SATARA 21673 216488 SINDHUDURG 10107 102461 SOLAPUR 24602 250609 THANE 10919 111112 WARDHA 14890 153248 Page 7 of 8WASHIM 12021 119540 YAVATMAL 25517 263594 640719 6525549 ***** Page 8 of 8