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Access to Entitlements

Last Mile Delivery of Public Services

Financial & Capital Services

Human and Social Capital(Leaders, CRPs, Community Para-Professionals)

Dedicated Support Institutions(Professionals,Learning PlatformM & E Systems)

Production & Productivity

Market LinkagesInstitutional Platforms of Poor

(Aggregating and Federating Poor, Women, Small & Marginal Farmers, SCs and STs)

INNOVATIONS

Livelihood Services

Building Enabling EnvironmentPartnerships and ConvergenceNRLM

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Reserve Bank of India Master Circular on Priority Sector Lending Restructuring of SGSY as National Rural Livelihoods Mission(NRLM) AajeevikaMaster circular No. - RBI/2012-13/559 RPCD.GSSD.CO.No. 81/09.01.03/2012-13 , JUNE 27, 2013

Key Features of GuidelineBackground Key difference from SGSYWomen SHGs and their FederationFinancial Assistance to the SHGs Revolving Fund SHG Existing for a minimum period of 3/6 months Follow the Norms of good SHGs PanchasutraSHG not received RF earlierRF will provide as corpus with a minimum Rs 10000 and up to maximum Rs 15000Capital subsidy has been discontinued under NRLM

Community Investment Support fund CIF will provide to SHGs in intensive Blocks routed through Village Level/Cluster Level federationIntroduction of Interest subvention NRLM has a provision To cover the difference between the lending rate of the banks and 7% on all credit up to 3 lakhs from the banks/mainstream financial institutionIn 150 identified districts SHG will get additional interest subvention of 3% on timely repayment

Role of BanksOpening of Savings Account SHGs, SHG federation as per KYC NormsLending Norms:Eligibility Criteria for SHG active existence at least since last 6 monthsPracticing PanchasutraQualified as per grading Norms fixed by NABARDExisting defunct SHGs are also eligible for credit if they are revived and continue to be active for a minimum period of 3 months

Loan amount and Repayment

SHG can avail either term Loan on CCl Loan based on the needS.N.Loan amountRepaymentFirst Dose4-8 times for proposed corpus of the year or Rs 50,000 whichever is higher6-12 MonthsSecond Dose5-10 times of existing corpus and proposed saving during next 12 months or Rs 1 lakh which ever is higher12-24 monthsThird DoseMinimum Rs 2 lakhs based on Micro Credit PlanMonthly/Quarterly/Half Yearly based , 2 to 5 yearsFourth DoseBetween 5-10 Lakhs based on Micro credit PlanMonthly/Quarterly/Half Yearly based on the cash flow, 3 to 6years

Security and Margin : no collateral and margin up to 10 lakhs creditDealing with defaulters while some members defaulter is in SHG, the Bank should provide the loan to SHG. The SHG should not disburse the loan amount to defaulter members.Credit Target Planning State, District and Block level : Branch wiseRepayment

Constitution of NRLM SLBC sub committee on SHG bank LinkageState Level Bankers Sub committee - SHG Bank LinkageDistrict Level Bankers Sub committee - SHG Bank LinkageBlock Level Bankers Sub Committee - SHG Bank Linkage

Supervision and Monitoring of the Scheme Bank may set up NRLM Cells at Regional/Zonal OfficeCell should periodically review the flow of credit to the SHGs, Implementation of Guideline, collect data from Branches and consolidate data to the Head office and NRLM units at district/BlockCell should discuss the consolidate data in the SLBC, DLCC, BLBC meeting regularly Reporting to Lead District Magistrate by banksReporting to RBI by BanksCommunity Based Recovery Mechanism

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2016-17 ( ) ( ) ( )

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