NRLM - SHG BANK LINKAGE PORTAL

IMPORTANCE OF SHG BANK LINKAGE PORTAL Data is sourced from the CBS source of the Banks on a monthly basis – most

dynamic data available in the country

Present a correct picture of the SHG-BANK linkage in the country – minimizing the layering

The data can be used by all the stakeholders - Banks, SRLMs, NRLM and NABARD

For Credit Planning, Review and Augmenting the SHG-bank linkage

To Monitor SHG Bank linkage progress on monthly basis.

Operationalization of Interest Subvention scheme in category II districts

Agency-wise SHG Bank Loans to SHGs (Year wise outstanding)

Source of data: Microfinance report 2013-14 published by NABARD

Sl. No Agency

Loans Outstanding against SHGs - Position as on

31.3.2012 31.3.2013 31.03.2014

1 Public Sector 24406.57 25371.18 28000.99

2 Pvt. Sector 1403.72 1268.26 1387.42

3 RRBs 8613.58 10521.23 11048.95

4 Coop. Banks 1916.14 2214.63 2490.16

  Total 36340.00 39375.30 42927.52

MASTER CIRCULAR ON DATA SHARING – BY RBI (RPCD.GSSD.CO.NO.7270-7295/09.01.03/2013-14, 02.01.2014)

Data Sharing: Every bank to share data on SHGs as per the template

prescribed by NRLM. The data must directly come through CBS and must be

transferred electronically to the NRLM server

DATA SHARING TEMPLATE -1

Loan data

SHG Loan

A/c No

Type of Loan

(TL/CC)

Loan Amount (for TL) /

DP (for CCL)

Date of Loan/

Date of Review

Repayment

holiday/

Moratorium

ROINo of

Instalments

Instalment

amount

Repayment

Frequency

(M/Q/H/Y)

Name of the SHG

Village Block Distric

t PIN

codeSB

Account No

SB A/C Opening date

IFSC Code

Availed capital

subsidy-(SGSY)

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18

                                  Y

                                  N

DATA SHARING TEMPLATE -2

Statement of Account

Loan A/C No Transaction Date Particulars Debit Credit Closing

BalanceBranch Code or

IFSC

1 2 3 4 5 6 7                          

1. File Format: Flat Files in Text Mode with “|” pipe symbol as column separator2. Date Format

Date Format across the whole system should be YYYY-MM-DD3. File Naming Convention

<Bank_Name>~<MMMYYYY>~<LOANS> <Bank_Name>~<MMMYYYY>~<TRANS>

MMMYYYY is the month of the transactions for which the file is being sent<Loan> and <Trans> are the type of data sent in the file<Loan> - Loan Details <Trans>-Transactions related to the Loan OGB~DEC2014~

4.  Data Sharing Mode: FTP With Credentials shared by NRLM5.  File will be processed only if it satisfies all the criteria given in the Format, else the file will not be    

processed and the information will be passed with the File Name through automated mailing system to corresponding bankers.

Bank

NRLM ServerBank Server

BankTSP database

Internet

NRLM WebsiteSHG Request loan to Bank

Req

ues

t se

nd

to

Ban

k

Ack

no

wle

dg

emen

t t

o S

HG

Sanction Details Loan Info. Sharing Fetch Information

Accessing Reports

Data Sharing – Flow Chart

NRLM-SHG BANK LINKAGE HOME PAGE

The reports are available a) Bank wise b) geographic wise

Bank wise:

1. For all the Banks

2. For all the Banks in the state

3. For all the Banks in the District

4. For all the Branches in the Bank.

5. For all the SHGs in the Branch.

Geographic wise:

1. For all the states

2. For all the districts in the state

3. For all the blocks in the district

4. For all the SHGs in the block.

MONITORING ARRANGEMENTS (R:1-ACHIEVEMENT REPORT)

MONITORING ARRANGEMENTS (R:2-LOAN OUTSTANDING AND DELINQUENCY REPORT)

MONITORING ARRANGEMENTS (R:3-INTEREST SUBVENTION IN CAT-2 DISTRICTS)

NRLM WEB-PORTAL

www.aajeevika.gov.in

www.nrlmbl.aajeevika.gov.in/NRLM/UI/Shared/homepage.aspx