Microfinance in India

STATUS OF MICROFINANCE IN INDIA

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gyú_ F U ZdnŒdV©Z {d^mJ Micro Credit Innovations Department Head Office : Plot No. C-24, ‘G’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai - 400 051, India. Tel: 91 22 2653 0084 • Fax: 22 2652 8141 visit us at : www.nabard.org E-mail : [email protected] 2019 - 20

STATUS OF MICROFINANCE IN INDIA 2019 -20 सु�셀 राज�셀 के ब셁आ, मुख्य महाप्रबंधक 饍वरा प्रकाशित सूक्ष्म ऋण नवप्रवर㔤न विभाग रा�絍 셀य कृ षि और 嵍रमीण विकास बℂक प्रधान कार्यलय ꥍ쥉ट सं सी – 24, जी 녍쥉क, बां饍र कु र्ल कॉ륍ꥍ쥇क्स, बां饍र (पूर्), मुंबई – 400051 फोन: 022-26530084 ईमेल: [email protected]

Published by Ms Rajashree K Baruah Chief General Manager Micro Credit Innovations Department National Bank for Agriculture and Rural Development Head Office : Plot No. C – 24, G Block, Bandra Kurla Complex Bandra (East), Mumbai – 400051, India Tel: 022-2653 0084 Email: [email protected] STATUS OF MICROFINANCE IN INDIA 2019-20

“SHGs, SAVING FOR THE PRESENT, SECURING THE FUTURE”

DISCLAIMER This Status of Microﬁnance in India report has been prepared based on the data compiled and collated by us as received from various reporting banks across the country. While due care has been taken to ensure the correctness and purity of the data, NABARD does not exercise any editorial control over the data reproduced here. NABARD is therefore not responsible for data inaccuracies, if any, reported in this publication.

Image Credits: Shutterstock.com / NABARD

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 1 FOREWORD

NABARD takes pride in the fact that the Self Help Group – Bank Linkage Programme which is the largest microﬁnance programme in the world, today touches 12.4

crore households through more than 10 2

lakh SHGs with deposits of over R26,000 crore and annual loan offtake of more than R77,000 crore and loan outstanding of over R1,00,000 crore

2 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” quarter of a century ago, when the microfinance sector was still in its nascent stage and formal credit to the poor people was next to nothing, NABARD A had designed and spearheaded one of the most unique financial inclusion initiatives namely, the Self Help Group-Bank Linkage Programme(SHG-BLP). This programme has now metamorphosed into the world’s largest microfinance movement that changed the lives of more than 12.4 crore poor households involving 102.43 lakh SHGs with a credit outstanding of around R1,08,000 crore, as on 31 March 2020. NABARD’s endeavour in skilling the SHG members through Micro Enterprise Development Programme (MEDP) enabled 5 lakh SHG members to receive training through approximately 17,700 MEDPs to start micro enterprises. In order to help the SHG members in using the Bank linkages to expand their economic activities for improving their income level, through livelihood opportunities and market linkages, NABARD’s Livelihood Entrepreneurship Development Programme (LEDP) has been implemented since 2015 with 780 programmes wherein 89,127 SHG members have been trained. Never the one to rest on laurels, NABARD had also conceptualised and embarked on the ambitious “EShakti” project in 2015, for digitising all the existing SHGs to widen and deepen bankers’ engagement with them. “EShakti” captures the financial and non-financial profiles of SHGs and their members and provides reliable, upto date data to bankers and other stake holders at the click of a button. The project is currently being implemented in 254 districts across the country and as on 31 March 2020, 6.54 lakh SHGs involving 72 lakh members in more than 98,000 villages have been on-boarded to the “EShakti” portal. NABARD’s prestigious annual publication “Status of Microfinance in India” has long since been a credible and comprehensive document on Microfinance sector that all the stakeholders refer to and rely on, be it the Bankers, NGOs, MFIs , Govt. Depts., NRLM, Reserve Bank of India and Govt. of India and the Policy Makers. My deep appreciation to all our channel partners without whose contribution and cooperation, this excellent SoMFI document would not have been possible. Team Micro Credit Innovations Department (MCID) deserves all the kudos for their tireless efforts in compiling, collating, analysing and bringing out this publication. After being an intrinsic part of the vision and mission of NABARD for more than 35 years and a vanguard in various capacities, I have recently taken over the reins as Chairman of this wonderful institution that has no parallel in the world. I’m extremely grateful to all our channel partners for being staunch supporters throughout NABARD’s eventful journey. I firmly believe in the famous William Blake’s quote “No bird soars too high if he soars with his own wings” and hope to have your continued backing, support and cooperation in all our future endeavours in empowering and taking the Indian Microfinance sector to great new heights.

G R CHINTALA CHAIRMAN

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 3 CONTENTS

PARTICULARS PAGE NO.

Highlights 06 Microﬁnance in India - 2019-20 10

NO. STATEMENTS I-A Savings of SHG with Banks - Agency-wise position as on 31 March 2020 114 I-B Bank loans disbursed to SHGs - Agency-wise position during 2019-20 114 I-C Bank loans outstanding against SHGs - Agency-wise position as on 31 March 2020 114 I-D Non Performing Assets of Banks against SHGs - Agency-wise position as on 31 March 2020 115 I-E Agency-wise Bank Loans provided to MFIs during 2017-18 and loans outstanding 115 as on 31 March 2020 II-A Savings of SHGs with Banks - Region-wise/State-wise/Agency-wise position as on 31 March 2020 116 II-B Bank Loans disbursed to SHGs - Region-wise/State-wise/ Agency-wise position during 2019-20 117 II-C Bank Loans Outstanding against SHGs - Region-wise/State-wise/Agency-wise 118 position as on 31 March 2020 II-D Non Performing Assets against Bank Loans to SHGs - Region-wise/State-wise/ Agency-wise 119 position as on 31 March 2020 III-A (i) Savings of SHGs with Public Sector Commercial Banks as on 31 March 2020 121 III-A (ii) Savings of SHGs with Private Sector Commercial Banks as on 31 March 2020 143 III-B Savings of SHGs with Regional Rural Banks as on 31 March 2020 155 III-C Savings of SHGs with Co-operative Banks as on 31 March 2020 159 IV-A (i) Bank Loans disbursed by Public Sector Commercial Banks to SHGs during 2019-20 172 IV-A (ii) Bank Loans disbursed by Private Sector Commercial Banks to SHGs during 2019-20 193 IV-B Bank Loans disbursed by Regional Rural Banks to SHGs during 2019-20 204 IV-C Bank Loans disbursed by Co-operative Banks to SHGs during 2019-20 208 V-A (i) Bank loans outstanding against SHGs - Public Sector Commercial Bank sas on 31 March 2020 219 V-A (ii) Bank loans outstanding against SHGs - Private Sector Commercial Banks as on 31 March 2020 240 V-B Bank loans outstanding against SHGs - Regional Rural Banks as on 31 March 2020 251 V-C Bank loans outstanding against SHGs - Co-operative Banks as on 31 March 2020 255

4 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” VI-A (i) NPA against Bank loans to SHGs of Commercial Banks (Public Sector) as on 31 March 2020 265 VI-A (ii) NPA against Bank loans to SHGs of Commercial Banks (Private Sector) as on 31 March 2020 286 VI-B NPA against Bank loans to SHGs of Regional Rural Banks (RRBs) as on 31 March 2020 297 VI-C NPA against Bank loans to SHGs of Co-operative Banks as on 31 March 2020 301 VII Bank Loans provided to MFIs during 2019-20 and NPAs as on 31 March 2020 312 VIII (A) NABARD Support for training and capacity building SHG-BLP during 2019-20 314 VIII (B) NABARD Support for training and capacity building – JLG stakeholders during 2019-20 316 VIII (C) Training and capacity building for SHG-BLP during 2019-20 from WSHG Development Fund 317 IX-A State-wise Grant Support sanctioned to Non Government Organizations (NGOs) 318 functioning as SHPIs as on 31 March 2020 IX-B State-wise Grant Support sanctioned to Regional Rural Banks (RRBs) functioning as 319 SHPIs as on 31 March 2020 IX-C State-wise Grant Support sanctioned to Cooperative Banks functioning as 320 SHPIs as on 31 March 2020 IX-D State-wise Grant Support sanctioned to Individual Rural Volunteers (IRVs) functioning as SHPIs 321 as on 31 March 2020 IX-E State-wise Grant Support sanctioned to Farmers’ Clubs functioning as SHPIs as on 31 March 2020 322 IX-F State-wise Grant Support sanctioned to SHG Federations functioning as SHPIs as on 31 March 2020 323 IX-G State-wise Grant Support sanctioned to PACS functioning as SHPIs as on 31 March 2020 324 IX-H Promotional Support sanctioned and released to NGO-MFIs as on 31 March 2020 325 IX-I State-wise Grant Support sanctioned to Joint Liability Group Promoting Institutions 326 (JLGPIs) as on 31 March 2020 IX-J Total Statewise Grant support sanctioned and released to all SHPIs as on 31 March 2020 327 IX-K Total Statewise Grant support sanctioned and released to all SHPIs during the year 2019-20 328 X State-wise Grant Support sanctioned to Anchor NGOs (Promotion & Capacity Building) 329 under WSHG Scheme (in LWE affected and backward districts) as on 31 March 2020 XI Data on ﬁnancing of JLGs as on 31 March 2020 330 XII-A Agencies having outstanding Revolving Fund Assistance as on 31 March 2020 331 XII-B Agencies having outstanding Capital Support as on 31 March 2020 331 XII-C Long Term Reﬁnance sanctioned/disbursed by NABARD to NBFC-mFIs during 2019-20 331 Glossary/Abbreviations 332

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 5 HIGHLIGHTS OF THE SHG-BANK LINKAGE PROGRAMME 2019-20

Total Sr. No. Particulars Physical Financial (No. in lakhs) (Rin crore) 1 Total number of SHGs saving linked with banks 102.43 26,152.05 (i) Out of total SHGs - exclusive Women SHGs 88.32 23,320.55 (ii) Out of total SHGs- under NRLM/SGSY 57.89 14,312.70 (iii) Out of total SHGs -under NULM/SJSRY 4.69 1,523.57 2 Total number of SHGs credit linked during the year 2019-20 31.46 77,659.35 (i) Out of total SHGs - exclusive Women SHGs 28.84 73,297.56 (ii) Out of total SHGs – under NRLM/SGSY 20.49 52,183.73 (iii) Out of total SHGs – under NULM/SJSRY 1.59 3,406.22 Total number of SHGs having loans outstanding as on 3 56.77 108,075.07 31 March 2020 (i) Out of total SHGs - exclusive Women SHGs 51.12 100,620.71 (ii) Out of total SHGs - under NRLM/SGSY 36.89 67,717.07 (iii) Out of total SHGs - under NULM/SJSRY 2.67 5,466.87

6 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Total Sr. No. Particulars Physical Financial (No. in lakhs) (Rin crore) 4 Average loan amount outstanding/SHG as on 31 March 2020 (in R ) 190,371.18 5 Average loan amount disbursed/SHG during 2019-20 (in R ) 246,850.92 6 Estimated number of families covered upto 31 March 2020 1241 7 No of Banks and Financial Institutions submitted MIS (in number) 470 8 Data on Joint Liability Groups (i) Joint Liability Group promoted during 2019-20 41.80 (ii) Loan disbursed to Joint Liability Groups (JLGs) during 2019-20 83,102.95 (iii) Cumulative Joint Liability Groups promoted as on 31 March 2020 92.56 154,853.09 9 Support from NABARD (i) Capacity building for partner institutions Under SHG-BLP and JLGs Number of programmes conducted during 2019-20 (in no. only) 3592 Number of participants covered during 2019-20 (in lakh) 1.53 Cumulative number of participants trained upto 31 March 2020 (in lakh) 40.45 Under WSHG Scheme (in LWE affected and backward districts) Number of programmes conducted during 2019-20 (in no. only) 1152 Number of participants covered during 2019-20 (in lakh) 0.69 (ii) Refinance Support Refinance to banks during 2019-20 15,434.00 Cumulative refinance released upto 31 March 2020 78,594.65 (iii) Revolving Fund Assistance (RFA) and Capital Support to MFIs RFA outstanding as on 31 March 2020 3.61 Capital support outstanding as on 31 March 2020 3.59 Refinance disbursed to NBFC-MFIs during 2019-20 2460.00 Grant Assistance to SHPIs for promotion of SHGs (iv) under SHG-BLP Grant Assistance sanctioned during 2019-20 6.74 Cumulative sanctioned upto 31 March 2020 417.68 Cumulative grant assistance sanctioned to anchor NGOs for promotion of (v) 204.38 SHGs under WSHG Development Scheme upto 31 March 2020 Cumulative grant assistance sanctioned to JLGPIs for promotion of JLGs (vi) 201.60 upto 31 March 2020

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 7 8 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 9 1. MICRO FINANCE IN INDIA

Microfinance recognizes that poor people are remarkable reservoirs of energy and knowledge, posing an untapped opportunity to create markets, bring people in from the margins and give them the tools with which to help themselves. ~Kofi Annan

1.1 The Self Help Group Bank Linkage programme (SHG-BLP) is a landmark model initiated by the National Bank for Agriculture and Rural Development (NABARD) in 1992 to deliver affordable door-step banking services and has largely achieved the stated goals of financial inclusion. It is a home-grown self-help movement with an objective of creating sustainable livelihood opportunities for the rural poor. Started as a bank outreach programme, SHG-BLP transcended itself into a holistic programme for building financial, social, economic, and of late, technological capital in rural India. NABARD has pioneered the SHG–bank linkage model which positions the SHGs as financial intermediaries to enable the flow of bank loans to poor members without physical collateral. The movement has emerged as the world‘s largest as well as the fastest growing microfinance programme and most successful network of women owned community- based microfinance institution. The SHG–bank linkage model as it has developed in India is now a major model of microcredit globally.

1.2 Evolution of Self-Help Group Movement The history of rural credit, microfinance and poverty alleviation are inextricably interwoven. After nationalization of the banking sector in India and with rapid expansion of the banking network substantial flow of resources to the priority areas took place. However, the physical outreach of the banking sector did not translate into an inclusive process, as majority of the population could not avail the benefits of institutional services. An Action Research Programme was launched by NABARD to identify the real reasons for this inequality. This study brought out the mismatches between the needs of the poor clients and the products in offer with the banking system. It was revealed that the poor needed better access to financial services and products. In 1987, based on the success of the Action Research programme sanctioned by NABARD to Mysore Resettlement and Development Agency (MYRADA), a pilot was launched in 1992, which envisaged linking of 500 SHGs by the end of 1994.

1.3 Self Help Groups were thus conceived as informal groups of 10-20 members having homogeneous socio-economic background coming from a small contiguous area, to operate on the principle of self-help, solidarity and mutual interest. They are encouraged to make compulsory thrift of the uniform amount as decided by them and pool resources so created to extend interest bearing loans to its members to meet their emergent needs. SHGs are given the freedom of charging interest from their members at the rate as decided by group consensus. Recovery is to be a mechanism of peer pressure. The process helped SHG members imbibe

Drafted by Smt Prafulla T Kurien, DGM

10 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 11 the essentials of ﬁnancial intermediation, including prioritization of needs, setting terms and conditions and maintaining books of accounts. This was their learning ground before they could be in a position to handle bigger size funds by way of credits from banks.

1.4 It is interesting to note and remember that three radical innovations were introduced through the RBI/NABARD guidelines during the pilot phase. They were (a) acceptance of informal groups as clients of banks – both deposit and credit linkage (b) Introduction of collateral free lending and (c) Permission to lend to group without speciﬁcation of purpose/activity/project.

1.5 The SHG Bank linkage programme spearheaded by NABARD had a modest beginning with 225 credit linked groups and a loan amount of R29 lakh in 1992. Within 3 years, 4,750 SHGs were credit linked with different banks with bank loan of R6.06 crore covering 28 commercial banks, 60 RRBs and 7 Cooperative banks. The overwhelming success of the pilot led to RBI mainstreaming SHGBLP as normal business activity of banks and rest as they say is history. Later, RBI declared the SHG-BLP as a priority sector lending activity in April 1996. Since 1999, Government of India has been supporting by way of special budgetary provision for promotion of the SHGs.

1.6 The SHGs that came to be promoted by Indian NGOs, Banks and Government agencies can be described as a form of a micro bank as it raises equity and deposits, as well as external funds, and on-lends them. Harper et al. (1998) had described Indian SHGs as on-lending groups which collect their own equity capital, and savings deposits, from their owners, who are also the members and the customers, they lend out their money to the members, at interest rates which they decide, and they accumulate proﬁts which they choose either to distribute to the owners, or to add to the fund at their joint disposal.

1.7 With the achievement of dream project of promoting one million SHGs by 2005, three years ahead of the schedule, SHG BLP became a massive programme and now touching the lives of more than 120 million poor households of the country. It has become a mass movement of the rural poor in their journey towards holistic empowerment.

1.8 For making SHG Bank linkage programme more client friendly and addressing some emerging issues, NABARD suggested certain product level changes under SHG-2 by reiterating thrust on savings with introduction of voluntary savings, smooth ﬂow of credit with sanction of cash credit limit to SHGs, improved risk mitigation mechanism, leveraging second level institutions like SHG Federations for sustained hand holding support, promoting JLGs out of SHG members, strengthening the monitoring mechanism, etc.

1.9 SHG-Bank Linkage Programme has become more popular in India than elsewhere in the world primarily due to its widespread adoption by Scheduled Commercial Banks, Regional Rural Banks and Cooperative Banks. NABARD has continued to support more than 5,000 partner agencies such as NGOs, RRBs, District Central Cooperative Banks and other SHPI partners for promoting and nurturing SHGs.

1.10 The success of SHG-BLP also attracted the attention of State governments. Many of the State governments, over a period, undertook through departmental initiatives major programmes of SHG promotion. Notable among the state governments was Andhra Pradesh with Podupulakshmi programme, Indira Kranti Patham programme

12 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” of AP, Jeevika Project of Bihar, TRIPTI and Mission Shakti projects in Odisha were some of the other projects.

1.11 The SGSY (Swarna-Jayanti Gram Swarojgar Yojna) of GoI was implemented with group mode of financing for covering all BPL families. SGSY was restructured in 2011 to form National Rural Livelihood Mission (NRLM) to be implemented in mission mode across the country. NRLM is an entirely group centric, group driven poverty alleviation programme. NRLM’s components are: formation, federation and financing of women SHGs; livelihoods programme for rural women farmers and agricultural labourers; value addition in non-timber forest produce in tribal districts; gender rights issues and various programmes. One of the core objectives of the mission is to make rural people particularly women a new category of clients and take them beyond financial inclusion to achieve economic inclusion and enable them to participate and benefit from mainstream economic benefits. It aims to cover all the rural districts in the country intensively, in phases.

1.12 After more than 25 years of SHG Bank linkage, the programme has grown exponentially, the system has evolved and matured enabling the SHGs access to large loans under SHG BLP besides loans that SHGs have been able to access from their own federations and the NGO MFIs. As on 31 March 2020 the SHG BLP programme has reached many a milestone with a total membership of about 1.02 crore groups covering 12.4 Crore households across India. The programme has made an indelible mark on the Indian ﬁnancial landscape by extending loans to the extent of R1,08,075 crore to 56.77 lakh SHG as on 31 March 2020.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 13 1.13 During the year 2019-20 the number of SHGs increased by 2.29 lakh with a corresponding increase in the savings by R2,827.57 crore as on March 2020. The savings outstanding of SHG with Banks as on 31 March 2020 has reached an all-time high of R26,152.05 crore. During the year the banks have disbursed loans of R77,659 crore recording an increase of 33.17 % over the last year. The total loan outstanding of SHGs also increased by 24.08 % and stood at R1,08,075.07 crore as on March 2020 as against R87,098.15 crore in the previous year. The gross NPAs of the bank loans to SHGs declined from 5.19% as on 31 March 2019 to 4.92 % as on 31 March 2020 at the all India level.

1.14 NABARD in tune with the Hon’ble Prime Minister’s dream of a Digital India and its own line of thinking on digitization launched a pilot project for digitization of SHGs titled “EShakti” in March 2015 in 02 districts viz. Ramgarh (Jharkhand) and Dhule (Maharashtra). The overarching vision

14 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” was to empower the SHGs through technology. EShakti is designed to capture the demographic and financial profiles of the SHGs as well as their members, so as to bring them under the fold of Financial Inclusion and thereby enable them access to wider range of financial services along with increasing the bankers' comfort in credit appraisal and linkage. Encouraged by the positive response and interest generated amongst the stakeholders in Phase I, the pilot project was expanded to 23 more districts under phase II in 2016 and was further expanded to 75 more districts towards the end of 2017.

1.15 During the year 2019-20, 150 more districts have been covered under the project. The implementation of the project is currently going on in 254 districts across the country. As on 31 March 2020, data pertaining to 6.54 lakh SHGs involving 72 lakh members in more than 98,000 villages have been on-boarded to E-Shakti portal. It has facilitated bankers in providing credit to SHGs based on performance and significant increase in credit linkage has reduced Saving-Credit linkage gap. The credit linkage with banks under E-Shakti (all phases) has increased from 2.17 lakh (33%) to 3.21 lakh (50%) as on 31 March 2020 thus proving the success of the project. More than 15,000 Animators hired by 591 IAs (NGOs, SRLMs, Banks, etc.) are working in the field to ensure continued success of the project. The E Shakti has promoted transparency through SMS alerts in local language (10 languages) to members and boosted the confidence among the SHG members.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 15 1.16 Under the GoI scheme for promotion of Women Self Help Groups (WSHGs), 2.11 lakh women SHGs (WSHGs) have been savings linked and 1.29 lakh of them have been credit-linked in 150 backward/Left Wing Extremism (LWE) affected districts spread across 29 states. A cumulative amount of R139.43 crore has been utilised as grant assistance out of the WSHG Fund for various activities up to 31 March 2020.

1.17 The SHG-Bank Linkage, spearheaded by NABARD, has proved to be a successful instrument in providing access to ﬁnancial services from the formal banking sector for asset less poor. Taking this learning of collateral free lending further, NABARD piloted and developed an effective credit product for mid-segment clients- “Joint Liability Groups” (JLGs). This product facilitates hassle- free credit which is of longer term; fulﬁlling seasonal needs of credit larger in quantum. The product however, relies on mutual guarantee of clients like small /marginal/tenant farmers, oral lessees and sharecroppers, micro-entrepreneurs, who have no conventional collateral to offer. It leverages on social collateral offered by the members.

1.18 A lot of emphasis is being laid by the GOI for providing hassle free credit to landless farmers. Accordingly NABARD made efforts in innovating and reaching out to the landless farmers through JLG scheme of financing. Encouraged by NABARD’s 100 per cent refinance support to banks, the Scheme has also recorded an impressive growth during 2019-20 with 41.80 lakh JLGs receiving financial assistance to the tune of `R83,102.94 crore from various banks. Under the Scheme NABARD has extended cumulative grant assistance of R201.10 crore to Joint Liability Groups Promoting Institutions (JLPIs) for promoting 11.13 lakh JLGs across the country and enabling flow of collateral free loan to tenant/ landless farmers.

16 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 1.19 Under the business model of JLG promotion and ﬁnancing, NABARD has so far entered into 53 MoUs in 22 States; comprising 38 MoUs with RRBs, ten MoUs with SBI in 8 states, one MoU each with Syndicate Bank, Allahabad Bank and Union Bank and two MoUs with State Cooperative Banks in Jharkhand and Odisha. Under this scheme, NABARD provides grant assistance to Banks for using corporate BC/ NGO- as JLGPIs and for capacity building to create a pool of trainers out of bank staff for formation, nurturing and ﬁnancing of new JLGs.

1.20 The search for delivering financial services to the rural poor in a sustainable manner led to two distinct approaches for extending microfinance in India i.e. a bank led approach called Self Help Group – Bank Linkage Programme (SHG-BLP) and Micro Finance Institution led approach. Microfinance Institutions (MFIs) emerged in India in the late 1980s in response to the gap in availability of banking service for the unserved and underserved in rural population. These institutions operating in the country follow a variety of credit methodologies. The work of these institutions commenced around the same time as the SHG-Bank Linkage Programme was evolving. Many of them were inspired by the Grameen Bank in Bangladesh and the innovations taking place in Latin America. Voluntary agencies and Non-Governmental Organisations (NGOs) undertook financial intermediation as a part of larger social good. Majority of these NGOs were registered as a Trust or a Society. Many NGOs have also helped SHGs to organise themselves into federations and these federations were performing non-financial functions like social and capacity building activities, promotion of SHGs, facilitating training of SHGs as well as undertaking internal audit.

1.21 In the initial years of setting up of MFIs in their NGO-MFI form it was NABARD which assisted them with grant support and Revolving Fund Assistance (RFA). Later NABARD helped a number of MFIs with quasi-equity and subordinated debt instruments from Micro Finance Development and Equity Fund (MFDEF).

1.22 Similarly SIDBI supported the growth story of MFIs through its SIDBI Foundation for Micro Credit (SFMC) in 1999. The India Microﬁnance Equity Fund (IMEF) later supported MFIs, especially the medium and smaller ones with equity and quasi-equity.

1.23 The Micro Units Development & Reﬁnance Agency Ltd (MUDRA) NBFC set up by the Government of India (GoI) in 2015 with its total focus on microenterprise has to hand-hold and facilitate the development process of smaller MFIs and not-for proﬁt MFIs as they are the ones who operate in remote locations and with the more underserved populations.

1.24 As per Sa Dhan Report 2019-20, Microfinance operation in India is spread across 627 districts of 37 states and union territories. Banks are leading with 625 districts, followed by NBFC-MFIs with 606 districts, SFBs with 600 districts, NBFCs with 524 districts where as Non-Profit MFIs operate in 313 districts. Tamil Nadu, West Bengal, Bihar, Karnataka, and Maharashtra are the top five states in terms of loan portfolio outstanding and active loan account. As on 31 March 2020, the combined micro credit portfolio of 191 lenders is R2,28,669 crores, On a YoY basis, the portfolio has increased by 27%. The average ticket size of the sector is R35,504. As of

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 17 18 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 31 March 2020, the combined micro credit client base of all lenders has reached to 103.6 million.

The regional spread shows that East, North East and South, continue to contribute 2/3rd of microfinance portfolio as well as unique borrowers. The share of portfolio outstanding of the various players (191) indicate that the 14 Banks' share was R91,913 crore (40%), 86 NBFC- MFIs was R74,779 crore (33%) and 8 Small Finance Banks was R39,872 crore (17%), 53 NBFCs was R20,209 crore (9%) and 30 Non Profit MFIs R1,895 crore (1%). The year on year growth was NBFC MFIs (38%), Banks (24%), SFBs (30%), NBFC (6%) and Non Profit MFIs (38%).

1.25 RBI has taken steps to expand the banking space to ensure greater ﬁnancial inclusion and in November 2014 issued guidelines for the setting up of Small Finance Banks and Payments Banks. On 16 September 2015, RBI granted in- principle approval to ten entities to start Small Finance Banks (SFBs) which would essentially undertake basic banking activities that include: accepting deposits, savings, credit, insurance, remittances etc. and lending to under-served sections. The share of portfolio outstanding of the Small Finance Banks was R39,872 crore as on 31st March 2020.

1.26 The establishment of Small Finance Banks (SFBs) also opened up another window of opportunity for reinvigorating the SHG-Bank Linkage Programme. SFBs have operated on the JLG methodology, as well as some of them worked on the SHG model also. Strategic partnerships with them for SHG- Bank Linkage Programme have the potential to take SBLP to greater heights in the next couple of years.

1.27 The setting up of Payment Banks has also given a further ﬁllip to the microﬁnance sector. Partnerships between MFIs and Payment Banks

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 19 can ensure that MFIs’ clients can avail of ﬁnancial products other than credit from the latter. Additionally, the cash and remittance management services of MFIs can be taken care of by the Payments Banks.

1.28 In India, there are around 15 P2P lending platforms. Some of these are involved in the business targeted at micro finance activities with the stated primary goal being social impact and providing easier access of credit to small entrepreneurs. They provide web-based platform to bring the lenders and the borrowers together. One of the main advantages of P2P lending for borrowers has been lower rates than those offered by money lenders/unorganized sector and the advantages for lenders are higher returns than what conventional investment opportunities offer. RBI’s guidelines in 2017 on Peer to Peer (P2P) lending also opens up a window for some MFIs with technology wherewithal to transform themselves into P2P players for the microfinance segment. As per RBI Circular updated guidelines dated December 23, 2019 the aggregate exposure of a lender to all borrowers at any point of time, across all P2P platforms, shall be subject to a cap of R50,00,000 provided that such investments of the lenders on P2P platforms are consistent with their net-worth. The lender investing more than R10,00,000 across P2P platforms shall produce a certificate to P2P platforms from a practicing Chartered Accountant certifying minimum net-worth of R50,00,000. Such platforms may meet the financial requirements of self-governing institutions.

1.29 Social stock exchanges (SSEs) as proposed in the Union budget will act as crowd-sourcing platforms for fund-raising by non-proﬁt entities aimed at impact investment and transparency, and will be regulated by the Securities and Exchange Board of India (SEBI). Social Stock Exchanges

20 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” will be a shot in the arm for social organisations to mobilise funds for the good of the society and is an innovative and concrete step towards inclusive growth.

1.30 NABARD has been continuously supporting training and capacity building of different stakeholders of SHG Bank linkage programme such as Bankers, NGOs, Government Ofﬁcials and SHG member trainers. During 2019-20, 3,592 training programmes were conducted covering 1.53 lakh participants from various banks/stakeholders under FIF. Further, 1,152 training programmes covering 0.69 lakh participants were conducted under WSHG Fund. Cumulatively, around 2.79 lakh participants have been imparted training under WSHG fund support and 40.45 lakh participants were trained under FIF.

1.31 With a view to create livelihood options for the SHGs, NABARD has been promoting MEDPs and LEDPs for skill training of SHG members. NABARD’s endeavour in skilling the SHG members through Micro Enterprise Development Programme (MEDP) continued during 2019-20. 12,719 members were trained through 425 MEDPs during 2019-20 for enabling them to start micro enterprises. Cumulatively, around 5.00 lakh SHG members have received training through approximately 17,700 MEDPs.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 21 1.32 Livelihood and Enterprise Development Programme (LEDP) was initiated on a pilot basis in December 2015 with a view to create sustainable livelihoods among SHG members and to obtain optimum beneﬁt from skill upgradation. LEDP envisages conduct of livelihood promotion in both farm and off-farm activities under project mode in clusters in contiguous villages. There is a provision for intensive training for skill building, refresher training, backward-forward linkages, handholding and escort support for credit linkage. This also encompasses the complete value chain and offers end-to-end solutions to the SHG members. 237 LEDPs involving 25,577 members were conducted during 2019-20. Cumulatively, 89,127 SHG members have been supported through 783 LEDPs as on 31 March 2020.

1.33 With a view to strengthen the MF sector through supply of research inputs that facilitates policy initiatives and improvement in design & delivery systems that provide poor with sustainable access to quality financial services, NABARD had set up The Centre for Microfinance Research within Bankers Institute of Rural development (BIRD) on 01 January 2008 renamed as Centre for Research on Financial Inclusion and Microfinance (CRFIM) on October 2016. The institute brought out a volume of the Half-yearly Journal “THE MICROFINANCE REVIEW” during the year. A roundtable on “Microfinance Institutional Ratings” was organized by Centre in collaboration with Microfinance Institutions Network (MFIN) on 29 July 2019. Microfinance experts of NABARD, banks, wholesale lenders, rating agencies and MFIs had participated the workshop. A consultative Meet, Chintan Baithak – 2 on “Future of Microfinance in India – Challenges and Strategies” was also conducted by the Centre at BIRD, Lucknow on 16 December 2019. Experts from NABARD, Banks, MFIs, SFBs, NGOs and FPO representatives have participated in the workshop. The 5th National Seminar on Financial Inclusion and Microfinance was organized by the Centre on 02 March 2020 at BIRD, Lucknow. The Seminar was attended by Government Institutions, RBI, NABARD, Banks, SFBs, NRLM/SRLMs, FinTech Service Providers, and National Level NGOs.

1.34 The Centre has implemented the NABARD Student Internship Scheme (SIS – 2019-20). “Evaluation of Implementation of PMFBY for loanee and non-loanee farmers by various banks/agencies” for which a Report by the Intern was submitted to NABARD.

1.35 Other activities undertaken by the Centre included a Trend Report on Financial Inclusion. The Centre also conducted a Webinar on the ﬁndings of the study “Joint Liability Groups: Innovations and Impact”. 31 participants from banks, NGOs, FPOs and development practitioners involved in promoting rural livelihood through micro loans have attended the webinar. NABARD-APRACA Centre of Excellence (ACE) has been set-up at BIRD, Lucknow to complement APRACA in enhancing (i) linkage banking (ii) Research, Forums, Trainings, Exposure visits, Consulting service, Technical support, Innovations (iii) Develop core training specialists and technical experts (iv) Design and conduct international programmes (v) Bring out appropriate publications and (vi) Enhance regional coordination among APRACA nations.

22 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 23 24 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” WAY FORWARD 1.36 Banks and Financial Institutions have to partner with Fin Tech Companies actively to achieve the last mile connectivity. Making technology driven financial services available in the remotest areas in a cost effective manner will ensure demand and supply balance. The SHGs could be involved in delivery of financial services on the BC model. There is a need for adoption and upgradation of centralised / uniform technology by all small FIs and MFIs and leveraging the same to remote and unreached areas at an affordable cost. In India, FinTech has the potential to provide workable solutions to the problems faced by the traditional financial institutions such as low penetration, scarce credit history and cash driven transaction economy. If collaborative participation from all the stakeholders, viz., regulators, market players and investors can be harnessed, Indian banking and financial services sector could be changed dramatically.

1.37 Redeﬁning the priority states and strategy for such states with particular emphasis on Central, Eastern India and North-Eastern regions by mapping of potential could be one of the strategizing interventions for the under-served states of Self Help Group Bank Linkage Programme. Mapping those pockets where there is virtually no intervention or presence of any Govt. Agency or Self Help Promoting institutions (SHPI) and putting in concerted efforts is important.

1.38 Lack of good SHPIs is one of the reasons for slow growth of SHG BLP in underserved regions. There is need to identify a large nodal NGO with experienced and trained staff for training smaller local NGOs, who lack proper orientation for SHG promotion.

1.39 Conduct of Impact Assessment Studies and Action Research needs to be undertaken on issues confronting the microfinance sector especially reasons for dormancy, disintegration of SHGs, apathy of formal credit agencies and convergence of the SHG–BLP with the development programmes of government / development agencies / philanthropic institutions, prevalence of high NPAs in certain states documenting the best practices followed by NRLM, study on commercial aspects of SHG BLP in the bank branches, etc. NABARD has been supporting institutes for such studies for identifying impediments in the progress of the movement and making policy refinements to give a fillip to the programme.

1.40 In attaining all the Sustainable Development Goals, microﬁnance institutions including SHGs can play a major role in generating funds for development and can give community orientation to the interventions. If we can build strong network of ground level institutions of people, it can form a soft infrastructure that would support effective implementation of successive developmental interventions and lead to inclusive growth.

1.41 The constraints in rural enterprise development are primarily low or negligible income, lack of skill and mentoring services and poor access to markets. The strategy would be to find ways to bridge the skill, knowledge and resource gap and at the same time maximize on the existing strengths and facilitate quality certification, packaging technology for greater shelf-life, marketing platform, market linkages, which is the critical gap in scaling up sustainable livelihoods for the poor. Resource Agencies which provide cutting edge design, facilitate product diversification, ensure quality

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 25 certiﬁcation, packaging technology for greater shelf-life, marketing platform, retail space and credit needs can handhold SHG members to become entrepreneurs by setting up of micro enterprises. NABARD has been supporting need based skill development programmes under Micro Enterprise Development Programme, which bridges skill deﬁcits and promotes entrepreneurial talents of the members to set up micro enterprises for matured SHGs through appropriate resource NGOs and other support organisations.

1.42 NABARD’s Livelihood Entrepreneurship Development Programme for tapping of livelihood opportunities will be used as a major livelihood promotion programme in coming years to ensure more thrust is given to livelihood interventions. Convergence of SHG BLP with FI initiatives of GoI and RBI and other Govt. programmes, group insurance products, enhanced quantum of loans and fresh ﬁnancing to members would further boost momentum of the programme.

1.43 Capacity building and sensitization of stake holders, especially bankers, through speciﬁc programmes for Zonal Managers/Regional Managers of Commercial Banks, RRBs and DCCBs needs to be continued for strengthening and deepening the SHG movement. Case Studies and appropriate ﬁeld interfaces are needed to ensure the desired impact of the training programmes. Organizing Award Ceremonies in all States for recognizing good performance of Bankers will further energise the SHG BLP movement. Technology will have to be leveraged for developing training tools like an e-learning portal / App with course contents suitable for Bank Managers, especially the new entrants, with the active involvement of Banks / NABARD’s training institutes.

1.44 The potential SHGs and JLGs may be encouraged to graduate as members of Producers’ Organisations of Farm and Non-farm activities.

1.45 Promotion of Business Model for JLGs by RRBs and Banks through BC network is also another intervention which would give momentum to the Joint Liability Group Bank Linkage Programme.

1.46 Alternate delivery channels and support mechanisms are to be encouraged to provide the SHG members timely banking services at a reasonable cost. The NABFINS model by NABARD has shown how an MFI can provide adequate and timely credit to SHGs & JLGs at a reasonable rate of interest, in a transparent manner without using coercive measures of recovery and still continue to be a proﬁtable entity. It has a client base of 9.57 lakh in 16 states. Efforts should be made to expand its outreach.

1.47 Financial literacy and financial inclusion are two aspects of financial stability in a country. Financial literacy is recognized as an important component for sustained financial inclusion process. It is the need of the hour for a rapidly developing nation like India since it assures inclusive growth and sustainable prosperity. Financial literacy through the use of technology by digitalisation can be accelerated via three media-computer, mobile, and internet. NGOs and SHG leaders should be the torch bearers in dissemination of financial literacy among the vast segments of excluded population including SHGs, small and marginal farmers, etc.

1.48 Financial inclusion (FI) through the JAM trinity (Jan Dhan Yojana, Aadhaar, Mobile) is seen as an

26 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” important tool for ﬁnancial inclusion. Convergence of the SHG BLP with the FI initiatives of the Government and RBI needs to be ensured. The Credit history of all SHG members needs to be captured by linking the E Shakti with CIC this will ensure credit discipline and facilitate Banks for higher off take of credit to SHGs

1.49 Expansion of coverage of NABARD’s EShakti in the country would increase credit linkage as well as credit deepening for the deserving SHGs in rural areas as also help banks in building up their SHG business portfolio. The ‘one-click availability of social and financial related information” of crores of rural families across India on a single platform will have tremendous significance for various stake holders. Leveraging the E Shakti database for making available financial and social security schemes of GoI to rural poor, owing to its pan rural India reach and impact in the E Shakti districts is a positive step in the financial inclusion process. Increased confidence of banks in the project could result in their financial participation in the project and help reduce the gap of savings and credit linked SHGs .Linking of EShakti to the CBS of various banks using online or offline mechanism would help in better offtake of credit linkage and provide invaluable data of digitized SHGs and help all the stakeholders in SHG BLP ecosystem.

1.50 There should be synergy between Financial Institutions and NRLM in effectively using the large SHG customer base to reach out to the poor and vulnerable sections and also for promoting Bank Sakhis as business correspondent agents of the bank.

1.51 Only with collaborative efforts by all the microﬁnance sector players, from the central government to NABARD to private sector to the block level civil society organizations, the un-served and underserved can be brought at par with their urban counterparts.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 27 PAN INDIA COVID-19 INITIATIVES TAKEN BY SHGS

COVID-19 has adversely affected the lives of everyone in its wake, but more so the poor and quite severely too. There was loss of livelihoods, lack of food, shelter, medicines and no access to other basic needs. During these difﬁcult times, several service oriented individuals, SHGs, Voluntary Agencies and NGOs came forward and extended their help in association with the Govt. Deptts., NABARD ROs, DDMs and others.

SHGs and their members across the country rose to the occasion and played a major role in coping with the situation and took the responsibility of providing basic necessities to the poor and vulnerable sections of society. A few of the initiatives undertaken in various villages, districts and states for combating COVID-19 and adapting to the changing environment are enumerated below :

1. Mask Making and Distribution: Hundreds of SHGs were involved in making and supplying lakhs of masks within a very short span of time. One SHG of Valsad district had prepared 1.00 lakh masks and DAY-NRLM, Mehsana prepared a record 1.78 lakh masks during the ﬁrst lock down with the help of the SHGs. Samavesh Sai Kripa SHG comprising 8 members of specially /differently abled men/ women worked round the clock to achieve the task of stitching 8,ooo masks.

2. Distribution of Food Kits: Food kits containing essential items like rice, dal, potato, onion, oil, soaps etc. were distributed to the needy. In Telangana, SIRD agency involved in NABARD supported FPO project, TDF, MEDP/LEDP etc., was selected by the district administration to distribute vegetables in Wanaparthy town. They have engaged 03 vans and each van covered around 200 families per day. The SHG members are operating the vans and sales of around R10000/- per van is reported for vegetables and fruits. One agency by the name Rural Development Society, distributed masks and food to stranded labourers through their SHG members.

3. Community Kitchens: Community kitchens were set up for hundreds of hungry people. Society for Rural & Youth Educational Advancement (SRYEA) with volunteers of 15 SHG members from 3 SHGs were involved in ‘Food on Wheels’ providing cooked food to hungry and destitute people. Jai Ambe Mission Mangalam, Krish Sakhi Mandal, Jai Goga Sakhi Mandal SHGs of Mehsana district prepared food packets of 250 gram each of dry snacks by working in day-nights on rotation basis. They distributed 200 packets daily to the poor people. For this entire work, these SHGs have not collected any money from anybody. Sowmya & Niranthara, both 20

Drafted by M Vasudha, AM

28 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” year old SHGs used R105750/- from their own savings and internal loan dividend amount to contribute ration kits to 130 SHG / Non SHG members.

4. Awareness Camps: Many agencies have conducted awareness camps in village communities, public places and gatherings on hygiene and social distancing. These camps helped the poor people immensely in taking the required precautions.

5. Banking Services: Andaman and Nicobar StCB rose to the occasion by providing essential banking services to the elderly, Physically Handicapped etc. through door to door delivery of banking services. The staff delivered pension to 16,560 pensioners across 45 branches. Seven BCs covered 24 villages, for 4706 transactions involving an amount of R61.00 lakh for both deposits and withdrawals. This was a great help for the old people, patients, divyangs, uneducated etc.

6. Other Initiatives: i. AMAAPCO provided dry cattle feed of 55 tonnes in Andaman and Nicobar islands during two lockdowns. Voice of Compassion to India (VOCI), an NGO with the help of SHG members prepared 600 litres of phenyl, 400 cloth bags, 250 bottles of health drinks and distributed amongst COVID Warriors.

ii. In Telangana, HIV infected people were severely affected due to the lockdown as they could not access ART medicine. WORD staff members supported the District AIDS Prevention and Control Unit and distributed ART medicine to more than 750 HIV infected people in the remote villages of Kamareddy and Nizamabad districts.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 29 2. ESHAKTI – THE YEAR THAT WAS AND THE FUTURE AHEAD

Self Help Group Bank Linkage programme (SHG-BLP) is a landmark model initiated by the NABARD in 1992 to deliver affordable door-step banking services. Started as a bank outreach programme, SHG-BLP transcended itself into a holistic programme for building ﬁnancial, social, economic, and of late, technological capital in rural India.

With the backdrop of GoI’s initiative of a Digital India, NABARD conceptualized Project EShakti, to bridge the digital divide in the SHG-BLP space and technologically catapult the SHGs into banking forefront through Project EShakti on digitisation of SHG records. Project EShakti has helped to translate the early mover advantage to its digitised SHGs/ SHG Members across the nation, because it can be safely stated that “Going digital” is the only way of life in the 21st Century.

The project was rolled out in phases beginning with the pilot phase in 2 districts of Dhule in Maharashtra and Ramgarh in Jharkhand in 2015. It was expanded to cover 23 more districts in 2016. Taking into consideration the encouraging results and interest generated amongst all the stakeholders from the ﬁrst two phases, the pilot project was further expanded to 75 more districts in 2017 and to additional 150 more districts in 2019. As of now the project covers 254 districts in 26 States and 02 Union Territories.

Drafted by Dr. Nandini Ghosh, DGM & Smt Riktika M Mukherjee, Manager

30 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” The project captures information on the existing SHGs; bank wise, branch wise and block wise in the selected districts. The social, demographic and financial profiles of members as well as the SHGs, together with member identification details like Voter ID, etc. are captured and uploaded on to a dedicated website https://eshakti.nabard.org. It also captures all financial transactions taking place within the group and with banks on a real time basis. The database thus generates and provides reliable and up to date information on SHGs and its members to Banks and other stakeholders, helping them in taking appropriate decisions on credit and policy quickly.

Digitisation addresses issues like quality of book keeping, multiple membership of SHG members, patchy credit histories and provides grading report of any SHG based on its ﬁnancial and non-ﬁnancial records, at the doorstep of all stakeholders. The project which operates through one portal viz. https:// eshakti.nabard.org, and two mobile Apps (EShakti App and EShakti Tracker App), makes the SHGs and their members more accessible to bank credit and also empower them by giving access to their own bank accounts and other details through their mobiles. It is rightly called ‘EShakti” that is empowering through digital mode.

2.2 A GLIMPSE OF JOURNEY SO FAR

2.3 PROJECT ESHAKTI– STATUS AS ON 31 MARCH 2020

As on 31 March 2020, EShakti project has onboarded 6.54 lakh SHGs involving 71.54 lakh rural households across the length and breadth of the country. A signiﬁcant indicator of the success of project EShakti in catering to the credit needs of the rural poor, is the increase in the bank credit linkage of the SHGs from 2.14 lakh (33%) to 3.19 lakh (49%).

The Project has strengthened the Financial Inclusion Programme of the Govt. by incorporating various social security schemes of Govt. like PMJDY, PMSBY, PMJJBY, APY etc. The data in EShakti was

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 31 used to enroll SHG members in these schemes. This resulted in opening/ enrolment of 4.00 lakh new accounts. The FI drive also resulted in capturing of data of 10.05 lakh new as well as pre-existing accounts.

Towards further leveraging EShakti Data, a Credit Intensiﬁcation drive was initiated (from January 2020 to March 2020), to improve coordination with banks, visibility of the EShakti project and enhance credit linkage in EShakti implementing districts. As an outcome of it, loans amounting to Rs.248.75 cr was sanctioned out of which Rs.199.70 cr was disbursed to 13,126 SHGs till 31 March 2020.

2.4 WAY FORWARD

Under EShakti, the ultimate objective is to digitize all active SHGs in the country in an incremental manner. As the EShakti project achieves scale and momentum, updation of data on real time basis and utilizing the data for credit enhancing become the most important aspects for the success of the project.

Forging tie-ups and collaboration with banks, NRLM/ SRLMs and other organisations working with SHGs, are underway to help avoiding duplication of efforts, and promote conservation of resources. EShakti portal is currently hosting demographic, ﬁnancial, social and livelihood data of nearly 6.54 lakh SHGs and efforts are taken to make the policy makers, State Government departments, banks, e-commerce companies, health care companies, etc. to leverage this repository of big data to beneﬁt the rural populace.

The future strategy will therefore be focused on infusion of technological innovations to establish EShakti platform as an output oriented, user-friendly and robust “One Stop Solution” on Digitisation of SHGs.

32 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” COVID-19 PANDEMIC AND ESHAKTI-SHG TALES OF COURAGE AND COMPASSION

“Temper us in fire, and we grow stronger. When we suffer, we survive.”

Our EShakti SHG members appear to have exempliﬁed the above quotation. Though the spread of the COVID-19 virus severely impacted the livelihood of SHG members, this pandemic and the related challenges inspired many a tales of courage and compassion from every corner of our country. SHG members found a greater meaning and purpose of life during the testing times by not only pursuing economic activities of their own but also by helping our society by providing food, grocery, clothes, necessary items and COVID 19 preventive kits. As on date, lakhs of Handmade Masks, PPE Kits, Litres of Disinfectant and Sanitisers, Handwash, Food-items, Grocery kits and scores of other useful items are being produced to combat the raging COVID-19 crisis.

All NABARD Regional Ofﬁces implementing EShakti project, are playing a leading Role to facilitate the above SHG efforts in partnership with Implementing Agencies, State/ District Administrations, State Rural Livelihood Missions, Channel Partners etc. under the Anti COVID-19 EShakti SHG Drive.

In its endeavour to leverage EShakti platform that hosts ﬁnancial, social, demographic and livelihood data of lakhs of EShakti SHGs across the country, NABARD sent a series of “COVID-19, Stay Safe” Health Advisory SMS, to all its members including the Animators working in the ﬁeld. Around 40 lakh such SMS in English and vernacular languages have helped disseminate awareness on preventing/ curbing COVID-19 spread in the country.

The Mega Anti COVID-19 Drive run by SHG members across the length and breadth of our country, has scripted a Golden Chapter in the History of Mankind.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 33 3. SHG BASED LIVELIHOOD INTERVENTIONS OF NABARD

There is nothing so degrading as the constant anxiety about one's means of livelihood. - W. Somerset Maugham

Realising the hard truth that millions of poor people do not have access to and means for earning livelihoods and that the most important role of microfinance is poverty alleviation through creation of livelihoods, NABARD, the torchbearer of microfinance and financial inclusion, has been leading from the forefront in skill and capacity building of the poor and creating an enabling environment for promotion of livelihoods.

NABARD has pioneered the Self Help Group-Bank Linkage Programme, the world’s largest microﬁnance initiative, which is savings led, women centric and self-managed, popularly known as SHG- BLP. With a modest beginning of 500 SHGs in 1992, the programme has now reached a staggering one crore SHGs covering more than 12 crore poor households across the country as on 31 March 2020.

However, despite the success of the SHG-BLP which enabled millions of SHG members to have access to savings and credit, their graduation to the next level of livelihood opportunities was not happening. While looking into the reasons, it was observed that the SHG members not only lacked vocational skills but were also ill equipped to deal with the whole gamut of issues involved in pursuing meaningful livelihoods. Also that, enabling them for taking up income generating activities involved intensive training and hand holding on various aspects like potential, demand, market tie ups, ﬁnance, management, entrepreneurship etc. to manage their enterprises.

NABARD has been continuously making efforts to address these issues and support SHG members in setting up and managing successful enterprises for livelihood, through implementation of two skill development and capacity building programmes, viz. MEDP and LEDP.

MICRO ENTERPRISE DEVELOPMENT PROGRAMME (MEDP) Launched in 2006, MEDP is in implementation for more than a decade now. The main objective of the programme is to enhance the capacities of participants through appropriate skill up-gradation in existing or new livelihood activities in farm or non-farm activities and enrich knowledge of participants on enterprise management, business dynamics and rural markets. The programme has found favour with many and as on 31 March 2020, more than 5 lakh SHG members were trained through around 17,700 MEDPs.

However, Impact Evaluation studies conducted to assess the programme revealed limited impact of skill upgradation training alone on livelihood creation of SHG members. Further, it was observed that, to

Drafted by Smt Didla Sumana, AGM

34 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 35 attain optimum beneﬁt out of MEDPs, these programmes have to be organized in clusters with provision for refresher training, backward & forward linkages and handholding & escort supports.

LIVELIHOOD AND ENTERPRISE DEVELOPMENT PROGRAMME (LEDP) A felt need for new approach, which ensures end to end solutions with participative and mutual support through collectivization in cluster mode and with strong focus on outcomes, led to the launch of Livelihood and Enterprise Development Programme. LEDP was initiated on a pilot basis in December 2015 with a view to create sustainable livelihoods among SHG members and to obtain optimum beneﬁt from skill upgradation.

LEDP is a holistic intervention mechanism conceived to take care of the entire ecosystem required for livelihood promotion. It envisaged conduct of livelihood promotion in both farm and off-farm activities under project mode in clusters in contiguous villages, with a provision for intensive training for skill building, refresher training, backward-forward linkages, handholding and escort support for credit linkage. This also encompasses the complete value chain and offers end-to-end solutions to the SHG members.

SALIENT FEATURES The broad objectives are to identify suitable livelihood activities through participatory approach, to enhance the capacities of SHG members through identifying the skill gaps and appropriate skill upgradation, to enhance the income levels of SHG members by improving/ acquiring of skills to take up livelihood activities with credit support of banks, to develop a shared vision of change, enhance capacity of SHG members for managing their enterprise, business development and marketing, to provide mentoring services and handholding support for ensuring that trained SHG members establish their livelihood ventures successfully.

36 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” LEDP projects are implemented through SHPIs (PIAs), who have had close association with the SHGs and good relations with communities in the identified project area. The Programme Implementation Agency (PIA) in association with or under the guidance of Resource Agency will conduct mapping in the project area of the existing skills, required skills, raw material, local consumption, marketing avenues and extension support to identify suitable livelihood activities, which can be undertaken by SHG members with suitable intervention. Need assessment will be finalized through interaction with SHG members/ their family members on RRA (Rapid Rural Appraisal) basis. Local bank branches/ Lead Bank officers will be taken on board.

All SHGs fulﬁlling the criterion of “panchasutra” and credit linked for at least six months are eligible for the LEDP. The project will cover minimum of 15 to 30 SHGs in cluster of contiguous villages, where from, 5 to 6 SHG members from each SHG will be selected. SHG members showing promise to take up the livelihood activity are only carefully identiﬁed and selected, including persons among them willing and capable to start demonstration unit, who will be groomed to function as Community Resource Persons. The skill training is provided in batches of 25- 30 members.

The project period will generally be one year after the last set of trainees are provided training. The project cost is kept ﬂexible subject to the cost broadly not exceeding R4,300/-per person in respect of activities in Agriculture and Allied sector and R5,600/-per person in respect of NFS/ handicraft activities. The initial intensive training may be followed up with refresher training to resolve the implementation problems/ issues being faced by SHG members. Along with the training, a demonstration unit of the livelihood activity in Agriculture & Allied sector to be used for hands on training/ learning to the identiﬁed SHG members, may be considered.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 37 In the post training period, the trainees will be provided mentoring and other escort and support services by the SHPIs or through identiﬁed Resource Agencies like NGOs, Corporates, KVKs, Agriculture Universities, Marketing Agencies etc. for getting higher credit doses either through existing SHG or through individual / JLG mode, guidance and credit counselling, sourcing of technical knowhow and raw material, packaging guidance, design and marketing tie-up.

Within a short span of just over 4 years of its existence, the Livelihood and Enterprise Development Programme has proved to be an efﬁcient and effective intervention in livelihood promotion of thousands of poor SHG members. As on 31 March 2020, more than 89,000 SHG members have been supported through around 780 LEDPs. A few of the success stories that have brought smiles and light into the gloomy lives of several women through these livelihood initiatives are presented in the ensuing pages.

We must not rest until right livelihood is within reach of every human being upon this earth. We all have a role to play in achieving this goal. ~Agnivesh

38 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 4. PROGRESS OF SHG-BLP

4.1 The SHG Bank Linkage Programme (SHG-BLP), launched in 1992 as a pilot project has grown in reach and fold to become the worlds’ largest community based micro finance programme covering nearly 12.40 crore households as on 31 March 2020, providing social, economic and financial empowerment to the rural poor especially the women. Microfinance initiatives have played a major role in making credit accessible to the unbanked rural women thereby bringing them within the SHG-BLP fold on a continuous basis and contributing to a reduction in the gender gap in access to financial services. As per the Global Findex Database 2017 of World Bank, India’s gender gap in financial inclusion reduced by 14 percentage points in three years from 20% in 2014 to 6% in 2017. This gender gap may get further reduced as there was a net addition of 2.3 lakh savings linked SHGs during 2019-20. A sizeable number of SHGs have been added during the year in states like Andhra Pradesh, Assam, Bihar, Haryana, Jharkhand, Jammu and Kashmir, Kerala, MP, Maharashtra, Nagaland, Odisha, Uttarakhand, etc. This indicates the need for connecting the poor households in poverty dominated states with the development process through SHG-BLP. The number of new SHGs added every year has been declining in some states mainly for reasons such as saturation in potential areas for formation of new SHGs, data sanitization by banks, and restricted operations of Self Help Promoting Institutions (SHPIs) to form SHGs after introduction of NRLM/SRLM. NRLM, taking the lead in formation and capacity building of SHGs in rural India, accounted for 57.89 lakh SHGs, a jump of 3.75 per cent during the year with a net addition of 2.09 lakh SHGs under its fold. The domain of SHGs consists of 86.2 per cent women groups and is the mainstay programme for empowerment of the poor rural women in the country. Table 4.1 gives an account of savings, credit disbursement and credit outstanding of total SHGs as well as under NRLM and NULM during last three years i.e. 2017-18 to 2019-20. The rise of the annual growth rate in bank loan outstanding as well as its rise in average loan outstanding per SHG is also indicated. In fact, rising NPAs in SHG loans, from a 2.1 per cent in 2008 to 7.4 per cent in 2015 was a concern in the sector. Thereafter, the NPAs started declining from 7.4 per cent (in 2015-16) to 5.19 per cent in 2018-19 which further declined to 4.92 per cent in 2019-20.

4.2 SHG Bank Linkage programme is an effective intervention in economic upliftment and ﬁnancial inclusion for those at the bottom of the pyramid. A proven platform initially conceived for increasing the outreach of banking services among the poor has since graduated to a programme for promotion of livelihoods and poverty alleviation. All major parameters viz. the number of SHGs with savings bank accounts, amount of credit disbursed during the year, the bank loans outstanding as well as the quantum of savings outstanding has shown positive

Drafted by Dr. Ashutosh Kumar, DGM-DEAR & Shri Saad Bin Afroz, AM-DEAR

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 39 growth during the past three years (Figure 4.1). The growth in number of SHGs availing bank loan and amount of institutional credit disbursed to SHGs was 16.6 per cent and 33.2 per cent respectively during 2019-20.

Table 4.1: Progress under SHG-Bank Linkage Programme (2017-18 to 2019-20) (Number in lakh/Amount Rcrore) 2017-18 2018-19 2019-20 Particulars No. of No. of No. of Amount Amount Amount SHGs SHGs SHGs 87.44 19592.12 100.14 23324.48 102.43 26152.05 Total SHG Nos. (1.95%) (21.59%) (14.52%) (19.05%) (2.29%) (12.12%) 73.9 17497.86 85.31 20473.55 88.32 23320.55 All women SHGs (0.94%) (22.51%) (15.44%) (17.01%) (3.53%) (13.91%) Percentage of Women 84.51 89.31 85.19 87.78 86.22 89.17 SHG 41.84 10434.03 55.8 12867.18 57.89 14312.7 Savings with Of which NRLM/SGSY (11.76%) (38.15%) (33.37%) (23.32%) (3.75%) (11.23%) Banks as on % of NRLM/SGSY 31st March 47.85 53.26 55.72 55.17 56.52% 54.73% Groups to Total 4.25 1350.8 4.39 1614.42 4.69 1523.57 Of which NULM/SJSRY (-22.10%) (19.87%) (3.29%) (19.52%) (6.83%) (-5.63%) % of NULM/SJSRY 4.86 6.89 4.38% 6.92% 4.58% 5.83% Groups to Total Total No. of SHGs 22.61 47185.88 26.98 58317.63 31.46 77659.35 extended loans (19.13%) (21.67%) (19.33%) (23.59%) (16.60%) (33.17%) 20.75 44558.74 23.65 53254.04 28.84 73297.56 All women SHGs (20.92%) (23.42%) (13.98%) (19.51%) (21.95%) (37.64%) Percentage of Women 91.78 94.43 87.66 91.32 91.67% 94.38% Loans Groups Disbursed to 12.7 25055.18 16.49 33398.93 20.49 52183.73 Of which NRLM/SGSY SHGs during (43.41%) (44.52%) (29.84%) (33.30%) (24.26%) (56.24%) the year % of NRLM/SGSY 56.2 53.1 61.12 57.27 65.13% 67.20% Groups to Total 1.06 2424.07 1.29 3419.58 1.59 3406.22 Of which NULM/SJSRY (0.17%) (-9.41%) (21.70%) (41.07%) (23.26%) (-0.39%) % of NULM/SJSRY 4.71 5.14 4.78 5.86 5.05% 4.39% Groups to Total 50.2 75598.45 50.77 87098.15 56.77 108075.07 Total No. of SHGs linked (3.55%) (22.76%) (1.14%) (15.21%) (11.82%) (24.08%) No. of all Women SHGs 45.49 70401.73 44.61 79231.98 51.12 100620.71 linked (6.20%) (24.73%) (-1.93%) (12.54%) (14.59%) (27.00%) Percentage of Women 90.62 93.13 87.87 90.97 90.05% 93.10% Loans SHGs Outstanding 27.93 38225.29 32.85 54320.91 36.89 67717.07 against Of which NRLM/SGSY (12.13%) (27.44%) (17.62%) (42.11%) (12.30%) (24.66%) SHGs as on % of NRLM/SGSY 31 March 55.63 50.56 64.7 62.37 64.98% 62.66% Groups to Total 2.9 5350.63 2.25 4110.73 2.67 5466.87 Of which NULM/SJSRY (-8.58%) (29.45%) (-22.41%) (-23.17%) (18.67%) (32.99%) % of NULM/SJSRY 5.79 7.08 4.43 4.72 4.70% 5.06% Groups to Total Figures in parentheses indicate increase/decrease over the previous year

40 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Figure 4.1: Progress of SHG-BLP (2017-18 to 2019-20)

No. of SHGs in lakh Amount in R 000 crore

2017Ͳ18 2018Ͳ19 2019Ͳ20 108.07 102.43 100.14 87.44 87.1 77.66 75.60 58.32 56.77 50.77 50.2 47.18 31.46 26.98 26.15 23.32 22.61 19.59

No.ofSHGswithSavings AmountofSavings No.ofSHGsavailedLoans AmountofLoanDisbursed No.ofSHGswithLoan AmountofLoan Linkage Outstanding duringtheyear duringtheyear Outstanding Outstanding 2017Ͳ18 87.44 19.59 22.61 47.18 50.2 75.60 2018Ͳ19 100.14 23.32 26.98 58.32 50.77 87.1 2019Ͳ20 102.43 26.15 31.46 77.66 56.77 108.07

4.3 Progress of Saving Linked SHGs with Banks (2017-18 to 2018-19) The banks have reported an addition of 2.3 lakh savings linked SHGs at all India level registering a marginal growth of 2.3 per cent during the year 2019- 20 compared to 14.5 in 2018-19. Among the different regions, Central Region registered the highest growth of 6.8 per cent followed by North Eastern Region (6.4 per cent), Western Region (6.1 per cent), Eastern Region (5.9 per cent) and North Region (5.2 per cent). Southern Region recorded a decline of 3.8 per cent. Among the states/UTs, Chandigarh, Haryana, Jammu & Kashmir, Himachal Pradesh, Nagaland, Arunachal Pradesh, Jharkhand, Madhya Pradesh, Uttarakhand, Maharashtra and Andhra Pradesh registered a good growth of SHGs while states/UTs like Pudducherry, Tamil Nadu, Goa, Gujarat, Karnataka, Manipur and New Delhi registered a negative growth of SHGs leading to decline in absolute number of SHGs in such states for the year 2019-20. The decline in savings accounts of SHGs is mainly due to data sanitization, closure of dormant accounts, reporting errors, and change in the SHG Bank Linkage model for example SHGs shifting to linkage through Banking Correspondents.

As regards, the regional share of SHGs during the year 2019-20, Southern Region accounted for major share with 36 per cent, followed by Eastern Region (27.4 per cent), Western Region (14.4 per cent), Central Region (11.1 per cent) and Northern Region (5.6 per cent). The North Eastern Region had the lowest share of 5.4 % of total SHGs in the country. In terms of number of SHGs, the share of Southern Region receded to 36% in 2019-20 from almost 48.3% in 2014-15 registering a decline by more than 12 percentage points. The statewise details of number of SHGs are given in Statement IIA.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 41 Table 4.2: Region-wise progress of Saving Linked SHGs with Banks (2017-18 to 2019-20) (Amt. in RLakh) 2017-18 2018-19 2019-20 Sr. Regions Savings- No. of Savings- No. of Savings - No. No. of SHGs Amount SHGs Amount SHGs Amount A Northern Region 478883 49293.91 548624 62452.82 577122 59549.73 B North Eastern Region 485591 32207.59 523469 40407.05 556899 48140.55 C Eastern Region 2130997 441803.18 2654358 601154.88 2811130 664332.73 D Central Region 902222 95385.11 1062759 133230.00 1135083 171217.00 E Western Region 1097448 124694.93 1388615 205275.15 1473853 201880.14 F Southern Region 3649296 1215826.80 3836418 1289928.25 3689236 1470084.74 Total 8744437 1959211.52 10014243 2332448.15 10243323 2615204.89

Fig 4.2: Regional Distribution of Savings linked SHGs (% share)

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ϲϬ͘Ϭ ϰϭ͘ϳ ϯϴ͘ϯ ϰϬ͘Ϭ ϯϲ͘ϭ Ϯϳ͘ϰ Ϯϲ͘ϱ Ϯϰ͘ϰ ϭϰ͘ϰ ϭϯ͘ϵ ϭϮ͘ϱ ϭϭ͘ϭ ϭϬ͘ϲ ϮϬ͘Ϭ ϭϬ͘ϯ ϱ͘ϲ ϱ͘ϲ ϱ͘ϱ ϱ͘ϱ ϱ͘ϰ ϱ͘Ϯ Ϭ͘Ϭ EŽƌƚŚĞƌŶEŽƌƚŚĂƐƚĞƌŶ ĂƐƚĞƌŶ ĞŶƚƌĂů tĞƐƚĞƌŶ ^ŽƵƚŚĞƌŶ dŽƚĂů ZĞŐŝŽŶ ZĞŐŝŽŶ ZĞŐŝŽŶ ZĞŐŝŽŶ ZĞŐŝŽŶ ZĞŐŝŽŶ ϮϬϭϳͲϭϴ^ŚĂƌĞ;йͿ ϱ͘ϱ ϱ͘ϲ Ϯϰ͘ϰ ϭϬ͘ϯ ϭϮ͘ϱ ϰϭ͘ϳ ϭϬϬ͘Ϭ ϮϬϭϴͲϭϵ^ŚĂƌĞ;йͿ ϱ͘ϱ ϱ͘Ϯ Ϯϲ͘ϱ ϭϬ͘ϲ ϭϯ͘ϵ ϯϴ͘ϯ ϭϬϬ͘Ϭ ϮϬϭϵͲϮϬ^ŚĂƌĞ;йͿ ϱ͘ϲ ϱ͘ϰ Ϯϳ͘ϰ ϭϭ͘ϭ ϭϰ͘ϰ ϯϲ͘ϭ ϭϬϬ͘Ϭ

4.4 Savings Outstanding with SHGs A robust savings outstanding of an SHG is its strength as it can meet exigencies of its members through internal lending as well as can source a bank loan for a suitable investment plan. The savings outstanding of SHGs as on 31 March 2020 reached an all-time high of R26,152 crore, registering a growth of 12.1 per cent over the year 2018-19. Further, the average savings per SHG also increased by 9.6 per cent during 2019-20 from R23,291 in the year 2018-19 to R25,531 indicating an improvement by almost 6 percentage points. The average savings was highest in Southern Region (R39,848) while it was least in North Eastern Region (R8,644) and Northern Region (R10,318) (Fig 4.3). Southern states have a sizeable number of matured SHGs that contribute higher amount of monthly savings leading to higher average savings rate, whereas in North Eastern States and other priority states, the average savings are low. States that have added more number of new SHGs during the year have recorded decline in average savings during the year. The highest increase in average saving was observed in Central Region (20.3 per cent), followed by Southern Region (18.5 per cent) and North Eastern Region (12 per cent). The Northern and Western Region have observed a decline in average savings per SHG by 9.4 and 7.3 percent respectively. The state-wise savings outstanding position is given in Statement IIA.

42 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Fig 4.3 Region Wise Average Saving Per SHG (R)

ϰϱϬϬϬ ϰϬϬϬϬ ϯϱϬϬϬ ϯϬϬϬϬ ϮϱϬϬϬ ϮϬϬϬϬ ϭϱϬϬϬ ϭϬϬϬϬ ϱϬϬϬ Ϭ EŚEŽƌƚŚ EŽƌƚŚĞƌŶ ĂƐƚĞƌŶ ĞŶƚƌĂů tĞƐƚĞƌŶ ^ŽƵƚŚĞƌŶ ĂƐƚĞƌŶ dŽƚĂů ZĞŐŝŽŶ ZĞŐŝŽŶ ZĞŐŝŽŶ ZĞŐŝŽŶ ZĞŐŝŽŶ ZĞŐŝŽŶ ϮϬϭϳͲϭϴ;༤Ϳ ϭϬϮϵϰ ϲϲϯϯ ϮϬϳϯϮ ϭϬϱϳϮ ϭϭϯϲϮ ϯϯϯϭϳ ϮϮϰϬϱ ϮϬϭϴͲϭϵ;༤Ϳ ϭϭϯϴϰ ϳϳϭϵ ϮϮϲϰϴ ϭϮϱϯϲ ϭϰϳϴϯ ϯϯϲϮϯ ϮϯϮϵϭ ϮϬϭϵͲϮϬ;༤Ϳ ϭϬϯϭϴ ϴϲϰϰ ϮϯϲϯϮ ϭϱϬϴϰ ϭϯϲϵϳ ϯϵϴϰϴ Ϯϱϱϯϭ

4.5 Credit Disbursement by Banks During 2019-20, 30.7% of the total SHGs, the highest number of SHGs ever, were provided with institutional credit in a single year. On the whole, Banks disbursed R77,659 crore loans to 31.46 Lakh SHGs during the year, as compared to R58317crore loans to 26.98 lakh SHGs during 2018-19. As regards regional performance with respect to credit linkage, Southern Region outperformed all regions with 44.4 per cent of credit linked SHGs followed by Eastern (40 per cent), Western (11.8 per cent), and Northern Region (10.9 per cent) and Central region (9.8 per cent) (Figure 4.4.). The North eastern region continued to record the lowest credit linkage of 6.8 per cent of the total SHGs. At the all India level, the credit linkage was 30.7 per cent in 2019-20 as against 26.9 per cent in 2018-19 thereby recording an increase of 3.8 percentage points. One in every three SHGs in Southern Region and Eastern Region have availed bank loan during the year whereas in other regions the credit linkage of SHGs was much less ranging between 6.8 per cent in NE region to 11.8 per cent in Western Region. This is indicative of low level of repeat ﬁnance in the states in Northern, North Eastern, Central and Western Regions calling for sensitization of bankers once again towards SHG Bank linkage programme especially by their Corporate and Local Controlling Ofﬁces.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 43 Fig 4.4 Region-wise Credit Linkage of SHG(%):- 2017-18 to 2019-20

50 45 40 35 30 25 20 15 10 5 0 Northern NorthEastern Southern EasternRegion CentralRegion WesternRegion AlIndia Region Region Region 2017Ͳ18 10.8 7.2 33.8 7.7 11.7 34.4 25.9 2018Ͳ19 10.2 5.2 34.3 8 10.6 38.6 26.9 2019Ͳ20 10.9 6.8 40.0 9.8 11.8 44.4 30.7

2017Ͳ18 2018Ͳ19 2019Ͳ20

As far as states are concerned, credit linkage of SHGs during the year was high in southern states like Telangana, Andhra Pradesh, Karnataka and Tamil Nadu (Fig 4.5). Some of the states like Jammu & Kashmir, West Bengal and Bihar also recorded high credit linkage during the year. Low credit linkage in North Eastern states and some priority states like Uttar Pradesh, Gujarat, Assam, Rajasthan, Madhya Pradesh, Uttarakhand remains a concern. In states like Kerala, Odisha, Karnataka etc. the number of SHGs provided with bank loan during 2019-20 was lesser than the previous year. On the other hand, more number of SHGs were provided bank loan during 2019-20 as compared to 2018-19 in states like West Bengal, Andhra Pradesh, Madhya Pradesh, Jharkhand, Maharashtra, Haryana, North Eastern States etc.

During 2019-20, about R77,659 crore of bank loans were disbursed as against R58,318 crore in 2018-19 registering a growth of 33.2%. All regions witnessed a rise in loan disbursement, auguring well for the SHG movement. The dominance of Southern Region in disbursement of bank loans to SHGs continued during 2019- 20 also. Southern Region accounted for more than half (52.01 per cent) of the total number of SHGs availing credit during 2019-20 across the country and almost three- fourths (70.62 per cent) of the total credit disbursed to SHGs.

The average loan disbursement per SHG during 2019-20 was higher at R2.47 lakh as against the average SHG loan of R2.16 lakh during 2018-19 registering a growth of 14.35 per cent. Southern Region however continued to have the distinction of having the highest per SHG average credit disbursement of R3.35 lakh with a rise of 15 per cent over previous year’s disbursement of R2.91 lakh per SHG (Table 4.3 & Fig 4.6). All regions recorded an increase in loan per SHG. North Eastern Region (43 per cent),

44 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Fig 4.5: State wise Credit Linkage of SHGs 2019-20 (%)

NewDelhi 0.9 ArunachalPradesh 2.6 Lakshadweep 2.8 UttarPradesh 3.8 A&NIslands(UT) 4.1 Gujarat 4.1 Nagaland 4.2 Punjab 5.3 Assam 6.4 Tripura 7.2 Goa 8.0 Uttarakhand 8.6 Meghalaya 9.3 HimachalPradesh 9.4 Mizoram 10.4 Rajasthan 11.1 Puducherry 12.3 Sikkim 12.4 CreditLinkageofSHGs2019Ͳ20(%) MadhyaPradesh 13.1 Maharashtra 13.8 Manipur 14.4 Haryana 14.7 Chhattisgarh 16.6 TamilNadu 18.5 Kerala 18.7 Orissa 20.3 Jharkhand 21.6 AllIndia 30.7 Bihar 33.3 Jammu&Kashmir 36.3 Karnataka 51.7 AndhraPradesh 61.9 WestBengal 63.3 Telangana 63.8

0.0 10.0 20.0 30.0 40.0 50.0 60.0 70.0

Eastern Region (20.69 per cent), Northern Regions (20.15 per cent), Central region (10.67 per cent) and Western region (13.73 per cent) also recorded a rise in the average credit disbursement during 2019-20 as compared to the previous year. The number of SHGs availing bank loan, total amount of credit disbursed by banks and the average credit disbursement to SHGs in different Regions during past three years are shown in Table 4.3. The state-wise position of bank loans disbursed to SHGs during 2019-20 is given in Statement II B.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 45 Table 4.3: Region-wise Status of Bank Loan Disbursed to SHGs during 2017-18 to 2019-20

(Total loan disbursed in r Lakh; Average loan disbursed in R per SHG) 2017-18 2018-19 2019-20 Total Average Total Average Total Average Regions No. of No. of No. of Loans Loan Loans Loan Loans Loan SHGs SHGs SHGs Disbursed Disbursed Disbursed Disbursed Disbursed Disbursed North Eastern 35,017 35,721 1,02,010 27,086 29,001 1,07,070 37,807 57,893 1,53,128 Northern 51,800 54,038 1,04,320 55,922 62,664 1,12,056 62,905 84,694 1,34,637 Central 69,295 55,943 80,732 85,135 72,199 84,805 1,11,074 1,04,249 93,856 Western 1,28,973 1,55,099 1,20,257 1,46,674 1,84,565 1,25,833 1,74,218 2,49,327 1,43,112 Eastern 7,20,444 9,08,950 1,26,165 9,09,375 11,97,079 1,31,638 11,23,517 17,85,075 1,58,883 Southern 12,55,603 35,08,834 2,79,454 14,74,208 42,86,256 2,90,750 16,36,481 54,84,696 3,35,152 All India 22,61,132 47,18,587 2,08,683 26,98,400 58,31,763 2,16,119 31,46,002 77,65,935 2,46,851

Among the major states, the average credit disbursement per SHG increased in Andhra Pradesh, Kerala, Tamil Nadu, Goa, Gujarat, Assam and Rajasthan whereas it declined in Punjab, Nagaland, Andaman and Nicobar Islands and Madhya Pradesh. The state-wise and region-wise average credit disbursement per SHG during 2018-19 and 2019-20 is presented in Figure 4.7.

4.6 Credit Outstanding The year 2019-20 also saw a marked improvement in the number of SHGs having loan amount outstanding registering a growth of 11.8 percent as against 1.1 percent in 2018-19. As of 31 March 2020, 56.77 lakh SHGs (55.4% of total SHGs) were having credit outstanding of R1,08,075 crore as against 50.77 lakh SHGs (50.7 per cent) with credit outstanding of R87,098 crore during 2018-19,

Fig 4.6 Region wise Avg Loan disbursed (R)- 2017-18 to 2019-20

400,000

350,000

300,000

250,000

200,000

150,000

100,000

50,000

Ͳ NorthEastern Northern Central Western Eastern Southern AllIndia 2017Ͳ18 102,010 104,320 80,732 120,257 126,165 279,454 208,683 2018Ͳ19 107,070 112,056 84,805 125,832 131,638 290,750 216,119 2019Ͳ20 153,128 134,637 93,856 143,112 158,883 335,152 246,851

2017Ͳ18 2018Ͳ19 2019Ͳ20

46 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Fig 4.7: State-wise Average Loan per SHG

450000 400000 350000 300000 250000 200000 150000 100000 50000 0 i l ) t r r y a a a a a a a a a a b d n d h d u h h h h h ir l i a h T m m r m a r a r s u r s s s s s y k n a a n o n n n d Goa (UT) India Delhi Bihar Nadu Orissa Kerala Assam Sikkim Bengal Punjab Tripura Gujarat All Pradesh Pradesh Pradesh Pradesh Kashmir Pradesh Haryana Manipur Mizoram Nagaland Rajasthan Karnataka New Telangana Jharkhand & Meghalaya Tamil Puducherry Islands West Uttarakhand Chhattisgarh Maharashtra N Uttar Andhra & Madhya Himachal A Jammu Arunachal

2018Ͳ19AvgLoanperSHG(༤) 2019Ͳ20AvgLoanperSHG(༤.)

recording a modest 11.8 per cent per cent increase in number of SHGs and 24 per cent increase in the amount of loan outstanding during the year (Table 4.4). The rise in the amount of loan outstanding with SHGs is mainly due to increased credit disbursement during the year. As compared to the previous year, there is considerable increase in the overall number of SHGs having bank loan outstanding at the end of March 2020. Inter region and intra region disparities are perceptible in both number of SHGs having loan outstanding as well as the quantum of loan outstanding during the year. Against 55.4 per cent SHGs having loan outstanding at all India level, Southern Region has maximum concentration with 76.4 per cent, followed by Eastern Region (69.5 per cent) and Central region (31.2 per cent). All other Regions have low credit penetration to SHGs as evinced from Fig 4.8

Table 4.4: Region wise SHGs having Loan Outstanding (as on 31 March 2020)

SHGs having loan Sr. No Region Total no of SHG No. of SHGs having loan O/s O/s (%) 1 Northern Region 5,77,122 1,33,515 23.1 2 North Eastern Region 5,56,899 1,31,006 23.5 3 Eastern Region 28,11,130 19,55,112 69.5 4 Central Region 11,35,083 3,54,466 31.2 5 Western Region 14,73,853 2,84,109 19.3 6 Southern Region 36,89,236 28,18,863 76.4 7 All India 102,43,323 56,77,071 55.4

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 47 Fig 4.8: Region-wise Distribution of SHGs Availed Bank Loan during 2019-20

120.0

100.0

80.0

60.0 WĞƌĐĞŶƚ

40.0

2020.0 0

0.0 North Northern Eastern Central Western Southern Eastern AllIndia Region Region Region Region Region Region SHGshavingloanO/s(%) 23.1 23.5 69.5 31.2 19.3 76.4 55.4 %shareofDisbursement 1.09 0.75 22.99 1.34 3.21 70.63 100.00

Among the states, only Telangana has a higher density of credit linkage of SHGs. Many of the SHGs in Telangana have bank loan under Cash Credit, investment credit and state government loan schemes which lead to more number of loan accounts than the number of SHGs in the state. High rate of loan outstanding in southern states, Bihar and West Bengal, etc. was owing to wider credit coverage of SHGs having credit linkage during past 2-3 years. Credit coverage was lower in certain smaller states and North Eastern states. However, major states like Maharashtra, Gujarat, Rajasthan, Madhya Pradesh, and Tamil Nadu also have relatively low credit linkage of SHGs as on 31 March 2020. This percentage was lowest amongst the smaller states in Nagaland (11.1 per cent) and among larger states in Punjab (15.4 per cent).

4.7 NPAs in SHG-BLP NPAs under bank loans to SHGs as on 31 March 2020 were 4.92 per cent as compared to 5.2 per cent as on 31.03.19 (Table 4.5). Though NPA has declined marginally by 0.28 percentage points yet the rise in absolute level of NPA amount in recent years is a cause for concern. It had increased by 17.6 per cent from R4,524 crore in 2018-2019 to R5,321 crore as on 31 March 2020.

48 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Table 4.5: Region-wise NPA Level (per cent) during 2018-19 & 2019-20

2018-19 2019-20 Amount of Gross NPA as percent Amount of Gross NPA as percent Sr. No NPAs (RLakh) to Loan o/s NPAs (RLakh) to Loan o/s 1 Northern Region 20,607.80 20.74 21,206.67 17.35 2 NE Region 27,500.92 33.08 26,914.18 26.08 3 Eastern Region 85,786.01 5.19 1,01,495.28 4.46 4 Central Region 61,315.44 30.59 56,612.66 25.15 5 Western Region 30,574.16 12.39 33,564.66 11.07 6 Southern Region 2,26,616.72 3.53 2,92,376.97 3.76 7 All India 4,52,401.05 5.19 5,32,170.42 4.92

As regards NPAs at regional level, the southern region has the maximum bank loan disbursement and maximum credit linkage of SHGs, and has seen an increase in the NPA level to 3.76 per cent from the previous year level of 3.53 per cent (Fig 4.9). All other Regions had the NPA level higher than the all India level of 4.92 per cent except the Eastern Region. North East Region has the highest NPA level of 26.08 per cent which has decreased by 7 percentage points during 2019-20. Eastern Region and Western Region has successfully reduced the NPA level during the year by 0.73 and 1.32 percentage points respectively. The overall NPA position in Eastern Region declined to 4.46 per cent in 2019-20 from 5.19 per cent in 2018-19. Fall in the Gross NPA amount was also observed in other states like Arunachal Pradesh, Meghalaya, Maharashtra, Tripura, Gujarat, Haryana and Punjab. This is indicative of better recovery of bank loans to SHGs in these states.

Fig 4.9 Regionwise NPA as % to Loan O/s

15 ƉĞƌĐĞŶƚĂŐĞ 10

0 North Northern Eastern Central Western Southern Eastern AllIndia Region Region Region Region Region Region 2017Ͳ18 22.12 19.58 7.17 24.7 13.43 4.46 6.12 2018Ͳ19 20.74 33.08 5.19 30.59 12.39 3.53 5.19 2019Ͳ20 17.35 26.08 4.46 25.15 11.07 3.76 4.92

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 49 Among the states, maximum NPA level was witnessed in Uttar Pradesh (42.97 per cent), Haryana (38.8 per cent), Tripura (30.9 per cent), Assam (27.9 per cent), Uttarakhand (27.0 per cent) and Arunachal Pradesh (24.3 per cent) (Fig 4.10). All these states were having high NPA level during the previous year and their NPA level has declined during the year 2019-20. The state-wise status of NPAs in bank loans to SHGs is given in Statement VI.

Fig 4.10 State wise NPA as % to total Loan Outstanding

80 70 60 50 40 30 20 10 0

Ason31.03.19NPAas%toLoanOS Ason31.03.2020NPAas%toLoanOS

4.8 Agency-wise distribution of SHG Bank Linkage Programme Recognizing the importance of ﬁnancial inclusion in overall economic development of people, the banking sector has been proactive in expanding microﬁnance through expansion of savings and credit linkage of SHGs. Commercial Banks by virtue of their vast network took the lead in Self Help Group Bank Linkage Programme (SHG-BLP). More than half (54.7 lakh, 53.4 per cent) of the SHGs in the country maintain their savings account with the Commercial Banks. During 2019-20, the share of Commercial Banks in terms of saving linked SHGs decreased marginally from 54.7 per cent (2018- 19) to 53.4 per cent and it accounted for 59.9 per cent of the savings outstanding of SHGs (Table 4.6). On the other hand, 32.6 Lakh (31.8 per cent) SHGs maintain their savings bank account with RRBs. During the year 1.8 lakh SHGs have been savings linked with RRBs. SHGs associated with RRBs have savings outstanding of R7,811 crore making up for 30 per cent of the total savings outstanding under SHG- BLP. RRBs recorded a decrease of 4.16 per cent in their average savings outstanding per SHG during 2019-20 (Table 4.7). The cooperatives continued with their subdued performance under SHG-BLP with 14.7 per cent SHGs and 10.2 per cent of savings outstanding. Bank-wise status of savings outstanding of SHGs as on 31 March 2020 is given in Statement IA.

50 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Table 4.6: Agency-wise status of SHG-BLP in 2019-20 (Amount Rlakh) Total Savings of SHGs Total Outstanding Bank Loans disbursed to SHGs with Banks as on Loans against SHGs as NPAs as on 31.03.2020 by Banks during 2019-20 Category of 31 March 2020 on 31.03.2020 Agency No. of Savings No. of Loans No. of Loan Amount of NPA SHGs Amount SHGs disbursed SHGs Outstanding Gross NPA (percent) Commercial Banks 54,73,833 15,66,217.93 17,96,099 48,43,108.56 32,94,643 71,21,582.37 3,60,466.90 5.06 % Share 53.44 59.89 57.09 62.36 58.03 65.89 67.74 Regional Rural 32,61,879 7,81,127.17 10,93,788 24,23,162.23 18,49,225 30,32,101.28 1,32,526.97 4.37 Banks % Share 31.84 29.87 34.77 31.20 32.57 28.06 24.90 Cooperative Banks 15,07,611 2,67,859.79 2,56,115 4,99,664.05 5,33,203 6,53,823.59 39,176.55 5.99 % Share 14.72 10.24 8.14 6.43 9.39 6.05 7.36 Total 102,43,323 26,15,204.89 31,46,002 77,65,934.84 56,77,071 108,07,507.24 5,32,170.42 4.92

Commercial Banks have a robust share in the credit ﬂow to SHGs with disbursement of R48,431 crore to 17.9 lakh SHGs. During the year loan disbursement by Commercial Banks increased from R34,492 crore to R48,431 crore registering a growth of 40.4 per cent and an increase of 18.7 per cent of SHGs as compared to the year 2018-19. RRBs have registered a considerable jump from 30.78 lakh to 32.61 lakh of SHGs registering a growth of 5.9 percent in number of SHGs and 23.93 per cent in quantum of loan disbursed to SHGs during 2019-20. Cooperative banks have extended credit of R4,996.6 crore to 2.56 lakh SHGs during this period recording an increase of 16.9 per cent in the quantum of credit disbursed and an increase of 4.7 per cent in the number of SHGs respectively as compared to the year 2018-19. This implies an improvement in the average credit disbursement of loans to SHGs by Cooperatives during the year (Table 4.7). The average loan disbursement of R2.69 lakh per SHG by Commercial banks remains the highest during 2019-20. It was signiﬁcantly higher (18.3 per cent) than the previous year. RRBs also recorded an increase in the average credit disbursement during 2019-20 as compared to the year 2018-19.

Commercial Banks have 65.9 per cent of total bank loan outstanding by SHGs as on 31 March 2020. RRBS and Cooperative banks have 28.1 and 6.0 per cent share respectively (Table 4.6). The average loan outstanding also remains the maximum in the case of Commercial Banks and least for the Cooperative Banks (Table 4.7). Cooperative banks have recorded 12.0 per cent jump in average loan outstanding during the year as compared to 12.7 and 6.1 per cent in case of Commercial Banks and RRBs respectively. Bank-wise details of loans outstanding at the end of ﬁnancial year 2019-20 under SHG-BLP are given in Statement IC.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 51 Table 4.7: Agency-wise Average savings, Loan Disbursement and Loan Outstanding (Rper SHG) for 2018-19 & 2019-20

Average Savings of Average Loans disbursed to Average Outstanding Bank Loans SHGs with Banks SHGs by Banks against SHGs 2019-20 2018-19 Change 2019-20 2018-19 Change 2019-20 2018-19 Change (%) ((%) (%) Commercial 28,613 24,175 18.36 2,69,646 2,27,988 18.27 2,16,156 1,91,786 12.71 Banks Regional Rural 23,947 24,986 -4.16 2,21,539 2,07,826 6.60 1,63,966 1,54,500 6.13 Banks Cooperative 17,767 16,398 8.35 1,95,094 1,74,620 11.72 1,22,622 1,09,471 12.01 Banks Total 25,531 23,291 9.62 2,46,851 2,16,119 14.22 1,90,371 1,71,543 10.98

4.9 NPA position in SHG-BLP: Agency wise The overall NPA rate in bank loan to SHGs was 4.92 percent as on 31.03.20 registering a fall of 27 basis points from the previous level of 5.19 per cent (Fig 4.11). All categories of banks have reduced their NPA level during 2019-20. The RRBs have reduced their NPA level from 4.87 per cent in 2018-19 to 4.37 per cent in 2019-20. Similarly, Cooperatives have reduced their NPA level from 6.69 per cent in 2018-19 to 5.99 per cent in 2019-20. Out of the total NPA amount of R5,322 crore, the Commercial Banks with R3,605 crore accounted for two thirds of the share with an increase of 3.7 per cent over the previous year (Table 4.6). The absolute level of NPA in case of RRBs was R1,325 crore in 2019-20 as against R1,274 crore in 2018-19 whereas for Commercial Banks there was a surge in the absolute NPA amount from 2,897 crore in 2018-19 to R3,605 crore in 2019-20.

Fig 4.11: NPA Position of Banks (SHG-BLP) during 2017-18 to 2019-20 (per cent)

2017Ͳ18 2018Ͳ19 2019Ͳ20 7.56% 6.69% 6.36% 6.12% 5.99% 5.35% 5.21% 5.19% 5.06% 4.92% 4.87% 4.37%

COMMERCIALBANKS REGIONALBANKS COOPERATIVEBANKS TOTAL

52 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 5. MFI - BANKS LINKAGE PROGRAMME “Microfinance stands as one of the most promising and cost-effective tools in the fight against global poverty.”

5.1 MFI – Banks Linkage Programme Micro finance institutions have expanded the frontiers of institutional finance and have brought the poor, especially poor women, into the formal financial system and enabled them to access credit and fight poverty. Though some significant strides have been made in upscaling the reach of micro finance, it is observed that microfinance has had an asymmetric growth across the country with diverse rates of interest being charged to the members, which are areas of concern.

As per Sa Dhan Report 2019-20, as on 31 March 2020 the combined micro credit portfolio (i.e. total loan outstanding) of 191 lenders is R2,28,669 crores of which NBFC- MFI (86) and Non Proﬁt MFIs (30) together has share of R76,674 crore (33.53%). Both NBFC-MFIs and Non Proﬁt MFIs had registered 38% year on year growth during 2019-20.

Taking into consideration the important role played by MFIs in delivering credit to those in the bottom of the economic pyramid and enable them to play their assigned role in a growing economy, the Reserve Bank of India (RBI), in its 4th Bi-Monthly Monetary Policy Press Conference held on 04 October 2019 has increased the household income limit for borrowers of NBFC – MFIs from R1.00 lakh to R1.60 Lakh for rural and from R1.25 lakh to R2.00 lakh for urban areas. Further, the lending cap for eligible borrowers has been raised to R1.25 lakh, against the earlier limit of R1 lakh, to improve credit availability in rural and semi-urban areas.

The decision is expected to improve the flow of credit to the economically weaker sections of the society. The increase in household income limit will also allow banks to classify more loans as “microfinance” on their books, allowing more liquidity being made available to NBFC-MFIs. Normally, banks purchase microfinance loans from smaller lenders to ensure that their priority sector loan requirement is met.

On March 27, 2020, the RBI permitted all commercial banks (including regional rural banks, small finance banks and local area banks), co-operative banks, all India Financial Institutions, and NBFCs (including housing finance companies and microfinance institutions) to allow a moratorium of three months on payment of instalments in respect of all term loans outstanding as on March 1, 2020. In view of the extension of the lockdown and continuing disruptions on account of COVID-19, it has been decided to permit lending institutions to extend the moratorium on term loan instalments by another three months, i.e., from June 1, 2020 to August 31, 2020.

Drafted by Shri Rajesh R Bhosle, AGM

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 53 5.2 Progress under MFI/ MFO-Bank Linkage Programme The Progress under MFI-Bank linkage programme during the last 3 years is shown in Table 5.1: Table 5.1: Progress under MFI/ MFO-Bank Linkage (Amount RCrore) Particulars 2017-18 2018-19 2019-20 No. of No. of No. of Amount Amount Amount accounts accounts accounts Loans disbursed by 1922 25515.23 1933 14625.95 4762 20225.99 banks/FIs to MFIs/ MFOs Loans outstanding against MFIs/MFOs as on 5073 32305.92 5488 17760.68 15197 29288.62 31 March Source: Reporting Banks

The agency wise details of loans extended to MFIs are shown in Table 5.2

Table 5.2: Loans to MFIs/ MFOs by Banks/Financial Institutions Loans disbursed to MFIs during Loan outstanding against MFIs Financing the year as on 31 March Period Agency No. of loan Amount No. of loan Amount accounts (RCrore) accounts (RCrore) 2017-18 641 22133.60 1962 26039.52

2018-19 340 13645.23 1287 15896.47 2019-20 3621 18626.91 9688 26711.87 2017-18 13 55.93 358 64.16 Regional Rural 2018-19 6 5.16 37 14.50 Banks 2019-20 8 13.07 144 28.03 2017-18 1248 38.70 2653 68.51 Cooperative 2018-19 1567 70.56 4080 133.84 Banks 2019-20 1117 493.02 5309 515.93 2017-18 20 3287.00 100 6133.74 SIDBI 2018-19 20 905.00 84 1715.87 2019-20 16 1093.00 56 2032.79 2017-18 1922 25515.23 5073 32305.93 Total by all 2018-19 1933 14625.95 5488 17760.68 agencies 2019-20 4762 20225.99 15197 29288.62 Source: Reporting Banks

Bank wise details of MFIs ﬁnanced are given in Statement VII. (In case of abridged version, refer to enclosed CD for Statements).

54 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 5.3 Revolving Fund Assistance / Capital Support to MFIs by NABARD NABARD had been providing ﬁnancial assistance to MFIs since 2007-08 by way of capital/ revolving fund support to help them to extend their outreach to the poor households and to enable them to leverage commercial borrowings from banks. However, after the announcement of creation of “India Microﬁnance Equity Fund” with SIDBI for the same purpose these supports were discontinued with effect from 1st April, 2011. The outstanding against capital support provided stood at R3.59 crore to 08 entities as on 31 March 2020 and the RFA outstanding was R3.61crore against 2 entities. Agency details are given in statements XI-A and XI-B. (In case of abridged version, refer to enclosed CD for Statements).

5.4 Refinance to MFIs NABARD had been providing financial assistance to MFIs by way of Long Term Refinance support to eligible NBFC-MFIs since 2014-15. As per the NABARD’s latest Refinance Policy for 2020-21, NBFC-MFIs to avail refinance from NABARD should be not less than one notch below top grading (i. e. upto MFR2/MF2 or equivalent) and in case of North-east including Sikkim the grading is relaxed to 2 notches below top grading i.e. upto MFR3. The MFI should be in net profit during at last three years out of preceding four years for qualifying as eligible for NABARD’s refinance subject to fulfilling other conditions. The grading should have been awarded by any SEBI / RBI approved grading agency. During 2019- 20, refinance to the tune of R2460 crore have been disbursed to 16 MFIs.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 55 6. NABARD AS MICROFINANCE FACILITATOR

6.1 NABARD has truly played the role of an enabler in the Microfinance Drive helping it to evolve rapidly into a global movement dedicated to providing access to a range of financial services to the financially excluded through various products and delivery channels in a cost effective and sustainable manner. During 2019-20, NABARD continued with its role as the facilitator and mentor of microfinance initiatives in the country through sanction of grant assistance for formation, nurturing and credit linking of SHGs with the banks, capacity building of various stakeholders through training, exposure visits, seminars, workshops etc, sanction of LEDPs for promoting sustainable and holistic livelihood opportunities, commissioning of studies etc.

6.2 Refinance to Banks NABARD has been extending 100% refinance to banks towards their lending to SHGs and MFIs to supplement their resources. Total loans issued by banks to SHGs and the refinance extended by NABARD for such loans is shown in Figure 6.1. and 6.2 respectively. During 2019-20, NABARD extended refinance to the extent of R15,434 crore against their SHG lending forming 28% of the total refinance provided to banks for investment credit, as against R12,885.68 crore disbursed during the previous year.

Cumulative disbursement of reﬁnance by NABARD for SHG lending now stands at R78,594.65 crore.

Figure 6.1 : Bank Loans Disbursed to SHGs

90,000.00 77,659.35 80,000.00

70,000.00 58,317.63 60,000.00

50,000.00 47,185.88

in crore 40,000.00 ` 30,000.00

20,000.00

10,000.00

- 2017-18 2018-19 2019-20

Drafted by Kum Bhawna Jain, Manager

56 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Figure 6.2 : NABARD Reﬁnance to Banks

18,000.00 15,434.00 16,000.00 14,000.00 12,885.68 12,000.00 10,000.00 6,981.37

in crore 8,000.00 ` 6,000.00 4,000.00 2,000.00 - 2017-18 2018-19 2019-20

6.3 Expenditure on SHGs/JLGs - Funds utilized 6.3.1 ‘Financial Inclusion Fund’ and ‘Women Self Help Group Development Fund’ were utilized during the year for various microﬁnance related activities such as formation and linkage of SHGs/JLGs through SHPIs/JLGPIs, training and capacity building of stakeholders, livelihood promotion, studies, documentation, awareness and innovations etc. An amount of R78.84 crore was expended during 2019-20 from these funds for the above purposes.

6.3.2 Support for training and capacity building of microfinance clients NABARD gave due recognition to training and capacity building of various stakeholders such as bankers, NGOs, Government officials, SHGs, SHG Federations and trainers. During 2019-20 more than 3500 training programmes were conducted and about 2.22 lakh participants were trained. Cumulatively, around 40.45 lakh participants under FIF and 2.79 lakh participants under WSHG have been imparted training till the end of 31st March 2020 creating a strong team for implementation of the microfinance programmes. The region-wise number of stakeholders trained by NABARD is given in Statements – VIII (A) to VIII(C). (In case of abridged version refer to enclosed CD for Statements).

6.3.3 Grant Support to Partner Agencies for Promotion and Nurturing of SHGs NABARD extended grant support to NGOs, Federations of SHGs, RRBs, NGO- MFIs, CCBs, PACS, Farmers’ Clubs and Individual Rural Volunteers (IRVs) for promotion, nurturing and credit linkage of SHGs with the banks. These supports have proved to be catalysts for the movement. Untiring efforts of the Self Help

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 57 Promoting Institutions (SHPIs) have led to spectacular growth of the movement and has spread the concept to every corner of the country. The ﬁnancial support extended by NABARD to various SHPIs till 31 March 2020 is indicated in Table 6.1.

Table 6.1: Grant Support to Partner Agencies (Amount RLakh) Cumulative Sanctions during Release during Cumulative Releases Sanctions 2019-20 2019-20 as on 31 Mar 2020 as on 31 Mar 2020 Agency No. of No. of No. of No. of SHGs SHGs SHGs SHGs Amount Amount Amount Amount to be savings to be savings promoted linked promoted linked NGOs 495.22 5070 905.08 22964 37389.80 694182 15171.31 534686 RRBs 56.00 1000 5.12 220 1764.38 61656 666.90 55288 Coop. Banks 123.20 2140 31.86 993 1294.22 66782 586.18 59441 IRVs 0.00 0 0.00 0 455.18 26350 78.25 12313 Farmers Clubs 0.00 0 0.00 0 46.00 5128 20.32 4469 PACS 0.00 0 2.18 0 628.41 14125 52.63 2112 SHG Federations 0.00 0 0.00 0 25.40 200 12.37 46 NGOs - MFIs 0.00 0 0.00 0 165.00 3300 4.00 0 Total 674.42 8210 944.24 24177 41768.39 871723 16591.98 668355 Women SHG Scheme (in 150 LWE affected and backward districts) Anchor NGOs NA NA 651.64 18 20438.10 204381 13943.13 129167

Agency wise, State wise details of grant assistance extended to partner agencies have been given in Statements – IX-A - IX-H. (In case of abridged version, refer to enclosed CD for Statements.)

6.3.4 Village Level Programmes With a view to foster better understanding of mutual requirements between banks, SHGs & SHPIs and to sort out issues like credit linkage, repayment etc. at ground level, Village Level Programmes (VLPs) are being conducted with the support of banks and NRLM. VLPs sponsored by NABARD resulted in better interface between bankers and SHGs leading to increased credit ﬂow and appreciation of each other’s needs. During 2019-20, NABARD supported more than 13,000 village level programmes with a sum of R273.39 lakh covering 4,44,483 beneﬁciaries.

6.3.5 Conferences, Seminars and Meets The successful journey of SHG-BLP spanning more than two and a half decades has been possible with the support of all stakeholders, including bankers, NGOs, Farmers Clubs, PACs, SHG Federations etc. To take the movement forward both in increasing its width and depth, conduct of Conferences, meets and

58 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” seminars prove pivotal for conveying issues, experiences and ground reality to policy makers, implementers, facilitators etc. During 2019-20, across the country, a total of 46 such seminars and meets were supported by NABARD with an amount of R11.73 lakh.

During 2019-20, 4 Strategy Meets on giving boost to SHG-BLP were conducted by MCID, Head Office at Panaji, Trivandrum, Bhopal and Guwahati for MCID officials and DDMs at Regional Offices. The focus of these strategy meets was to understand the constraints, find opportunities and resolve issues faced by ROs in implementing SHG-BLP and Project EShakti. From these four, two day each, Strategy Meets DDMs, RO officers and HO officers exchanged ideas and brainstormed intensively to resolve the issues hampering the success of SHG-BLP, policy changes required and new innovations possible.

6.3.6 Centre for Research on Financial inclusion and Microfinance (CRFIM) The Centre for Research on Financial inclusion and Microfinance (CRFIM) set up within Bankers Institute of Rural Development (BIRD) takes up research activities in the field of Microfinance and financial inclusion, publishes an half yearly journal titled “The Microfinance Review”, organizes National seminar on financial inclusion and microfinance etc. towards facilitating policy initiatives and improvement in design and delivery system in the said space.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 59 7. ON-GOING INITIATIVES

7.1 Scheme for Promotion of Women SHGs in backward districts of India NABARD, in association with the Department of Financial Services, Ministry of Finance, Govt. of India continued to implement a scheme for promotion and ﬁnancing of Women Self Help Groups in 150 identiﬁed Left Wing Extremism (LWE) and backward districts of the country. As on 31 March 2020, 2.11 lakh WSHGs promoted / savings linked and 1.29 lakh WSHGs credit linked. The detailed progress under the scheme as on 31 March 2020 is given in Statement X. (In case of abridged version, refer to enclosed CD for Statements).

7.2 SHG BLP Strategic Advisory Board A Strategic Advisory Board was constituted in NABARD in 2015 with members drawn from DFS, MoRD / NRLM, RBI, Commercial banks, SIDBI, RRBs, Cooperative banks and Microfinance experts to focus on strategic action plan on SBLP, evolving quality standards, financial literacy, digitisation of SHGs, livelihood promotion, etc. The Advisory Board deliberates the issues of gap in savings and credit linkage, credit deepening, Recovery and NPA under SHG-BLP, Bank Sakhi as BCs, Micro Credit limit etc. Advisory Board recommends action points for addressing issues such as credit gap, low level of credit flow to SHGs, tackling NPAs, Digitization of SHGs, Studies, Capital Provisioning of SHG Loans, Credit Guarantee Scheme for SHG loans etc.

7.3 Financing of Joint Liability Groups NABARD extends grant support for formation and nurturing of JLGs to banks and other JLG promoting agencies. Apart from extending 100% refinance support to Banks, NABARD also extends financial support for awareness creation and capacity building of all stakeholders of this programme. As against 16.04 lakh JLGs promoted during 2018-19, JLGs promoted during 2019-20 were 41.80 lakh taking the cumulative number of JLGs promoted and financed by banks to 92.56 lakh as at the end of March 2020. The Eastern States top the list with over 31.01 lakh JLGs organized cumulatively, Southern Region follows closely with 26.62 lakh JLGs. With a view to sensitizing the stakeholders of the JLG programme, NABARD has been arranging training programmes and exposure visits to successful JLGs, to the functionaries of these institutions including financing banks. Over 94,000 personnel have already benefitted from these trainings and exposure visits.

7.4 Business Model on ﬁnancing of JLGs through RRBs - NABARD Support Based on the study / review of JLG linkage of RRBs and PSBs vis-à-vis Private Sector Banks during last few years, a business model for taking fee-based help of BC/JLGPI as BF for JLG lending by RRBs has been developed. NABARD has so far entered into 53 MoUs in 22 States with 38 MoUs with RRBs, 10 MoUs with SBI in 8 states and one MoU each with Syndicate Bank, Allahabad Bank and Union Bank and two MoUs with State Cooperative Banks in Jharkhand and Odisha, respectively.

7.5 Livelihood Interventions for SHGs Poverty alleviation through livelihood creation is one of the stated goals of micro ﬁnance. Graduating

Drafted by Kum Bhawna Jain, Manager

60 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Figure 7.1 : No. of JLGs promoted 92.56 50.76 34.73 31.01 26.62 16.90 15.72 13.64 11.03 10.72 No. of JLGs promoted (No. in lakh) in (No. promoted JLGs of No. 10.01 8.36 6.72 5.50 5.12 4.03 3.74 2.91 2.42 2.18 1.40

Central Region Eastern Region North Eastern Northern Region Southern Region Western Region Grand Total Region

As on 31 Mar 2018 As on 31 Mar 2019 As on 31 Mar 2020

Figure 7.2: JLGs - Loan Disbursed

90,000.00

80,000.00

70,000.00 crore ` 60,000.00

50,000.00

40,000.00

30,000.00

20,000.00 Loan disbursed to JLGs - to JLGs disbursed Loan in 10,000.00

- North Central Eastern Northern Southern Western Grand Eastern Region Region Region Region Region Total Region As on 31 Mar 2018 1,743.58 3,544.37 531.48 1,162.68 5,373.66 1,599.38 13,955.15 As on 31 Mar 2019 3,263.07 9,387.42 906.67 2,187.26 12,173.48 3,028.98 30,946.88 As on 31 Mar 2020 12,671.48 25,887.91 1,098.71 8,676.02 26,243.22 8,525.61 83,102.95

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 61 SHG members to the next stage of taking up livelihood activities is an important task and NABARD has been supporting skill and entrepreneurship training of SHG members through the Micro Enterprise Development Programme (MEDP) since March 2006 with the goal of development of sustainable livelihoods/ micro-enterprise ventures by matured SHG members. Around 12,719 members were trained through 425 MEDPs during 2019-20 for enabling them to start micro enterprises. Cumulatively, around 5 lakh SHG members have received training through 17,700 MEDPs. Further to bring in ease of application processing, NABARD operationalized MEDPs on NABSKILL portal in July 2019. During 2019-20, 561 MEDP applications were processed on NABSKILL.

NABARD mainstreamed Livelihood and Enterprise Development Programme (LEDP) with a view to create sustainable livelihoods among SHG members and to create maximum impact of skill upgradation. LEDP targets SHG clusters in contiguous villages involved in farm and off-farm activities and supports intensive skill building, refresher training, backward-forward linkages, value chain management, end-to-end solutions, handholding and escort services over two credit cycles. During 2019-20, 25577 SHG members were provided skill and entrepreneurship training for setting up livelihood units through 237 LEDPs. Cumulatively, 89,127 SHG members have been supported through 783 LEDP programmes with grant sanction of R3610.10 lakh from NABARD up to 31 March 2020.

7.6 Implementation of National Rural Livelihood Mission (NRLM) and Scheme for Interest Subvention to Women SHGs. The Ministry of Rural Development (MoRD), Government of India launched the National Rural Livelihood Mission (NRLM) by restructuring Swarnajayanti Gram Swarojgar Yojana (SGSY) with effect from 1 April 2013. NABARD is implementing the Interest Subvention Scheme for Women SHGs under the National Rural Livelihood Mission (NRLM) for Regional Rural Banks (RRBs) and Cooperative Banks in Category I districts. Further, as a part of collaboration between NABARD and NRLM, Regional Ofﬁces of NABARD are coordinating with the concerned SRLM to achieve the goal of training of all rural bank managers. State level sensitization programmes on SHG-BLP for senior bank executives have also been organized in coordination with SRLMs with the overall objective of increasing credit linkages. SRLMs have also been roped in as implementing agencies for EShakti in several states and they are supporting the digitization project in many states.

Launch of SoMFI 2018-19

62 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” SUCCESS STORIES

Drafted by Smt Didla Sumana, AGM & Smt M Vasudha, AM

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 63 1. THE MILKY WAY Muradabad, Uttar Pradesh

CHALLENGES G Group of women marginal farmers, could not earn enough even to feed their families. Husbands are daily wage laborers, some are alcoholics, without a ﬁxed source of income.

G One member did not have enough money to start sugar cane cultivation in her small piece of agriculture land. One member had to sell her cattle to meet the expenses of her daughter’s marriage. One member had 5 kids to feed without any source of income.

INTERVENTIONS G In 2016 Lakshmi Self Help Group was formed with the help of SPARSH, an NGO under the NABARD SHPI project. Savings account was opened in Punjab National Bank, Hasanpur and the Group was given Cash Credit Limit (CCL) of Rs.50,000/- in 2017. With saving of almost Rs.20000/-, the group started the livelihood activities.

G Under Livelihood Enterprise Development Program (LEDP), the SHG went through an intensive training of Dairy farming and enterprise development and also given exposure of the drying and packaging plant of UMANG Dairies Limited.

G They got 2nd CC Limit of Rs.140000/- in 2019 after the successful utilization of 1st CCL.

IMPACT G 9 out of the 10 members started the dairy enterprise with the help of SHG loan. More than 80% of the cattle price was ﬁnanced by the loan. In 2019, the SHG opened its own Village Level Collection Center (VLCC) with help from UMANG Dairies Limited, and sells the entire milk production to the Dairy.

G Prior to the setting up of VLCC, the women members were receiving Rs.30-35 per litre which was controlled by middlemen. Now with the help of the center, the members are getting Rs.40-42 per liter.

G The average increase in the income level of each entrepreneur is Rs.8340/- which has become the main source of income in their family.

WAY FORWARD G The members are planning to enhance their milk collection from 150 liters to 250 liters. They have applied for individual loans under Dairy Enterprise Development Scheme

64 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” (DEDS) to purchase cattle of an improved breed like Murrah, with an yield of 10-12 liters of milk per day.

G The members are also mobilizing dairy farmers of other SHGs to sell their milk directly to the company through their collection center. They now desire to become a service center for providing input services like Animal Feed and Feed Supplements as well as the milk production at a very competitive price and are in talks with SPARSH.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 65 2. BAMBOO DREAMS Changlang, Arunachal Pradesh

CHALLENGES G Poor tribal population G Majority of people depending on agriculture G Lack of training in diversiﬁcation of bamboo products

INTERVENTIONS G To improve livelihoods of poor tribals, NABARD sanctioned two MEDP training programmes of 13 days duration each to Amyaa NGO in 2019-20, to beneﬁt 60 SHG members in Diyun Circle, Changlang district on Bamboo Furniture making.

G The District Administration of Changlang led by Dr. Devansh Yadav, IAS, ADC, Bordumsa allocated 3.17 lakh for purchase of small machinery for bamboo processing and he ensured buy back of ﬁrst lot of furniture produced by the trainees for their use.

G During 2019-20 NABARD Arunachal Pradesh RO has sanctioned 24 MEDPs with a ﬁnancial allocation of 10.68 lakh for around 6250 saving linked SHGs

G Due care was taken to match with local requirement with inclusion of wood carving, carpentry, tailoring, bag making using large cardamom ﬁbres, food processing, etc.

IMPACT G The training resulted in livelihood enhancement of 60 SHG members and provided a new ecologically sustainable dimension to the development and livelihood possibilities in this poverty stricken region.

G To motivate the SHGs, the ADC Bordumsa assured them that furniture is ready, District Administration will purchase from funds available under Panchayati Raj.

G The skilling under the program proved to be an additional income source to the family who were solely depending on crop cultivation for livelihood.

WAY FORWARD G The members continue the activities in group mode and propose to avail bank loan for scaling up.

66 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 67 3. READYMADE SUCCESS South Goa, Goa

CHALLENGES G Lack of employment opportunities for poor women G To encourage women empowerment by promoting livelihood activities

INTERVENTIONS G NABARD, Goa RO sponsored 90 SHG members spread over 21 SHGs in Shiroda Village, Ponda Block of South Goa District under LEDP Programme by giving training in tailoring and apparel design through Agnel Vocational Training Institute (AVTI), Verna.

G For conduct of the LEDP, a grant amount of Rs.5.48 lakh was sanctioned AVTI which included Rs.0.50 lakh towards setting up of a Common Facility Centre (CFC).

IMPACT G 09 members of 05 SHGs trained under the project have set up a tailoring shop in Borim village named Navdurga Tailoring Shop.

G The members purchased o7 sewing machines from their own resources by taking a shop on rent. Started sewing clothes, jute and cloth bags, doing embroidery works and selling readymade garments. G One SHG member has individually taken loan from EDC Ltd. and started her own tailoring enterprise in the name of Saikunj Creations. She has hired three more lady employees to assist her in tailoring and stitching work.

68 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” WAY FORWARD G During these Covid- 19 times, they are receiving orders for stitching masks from Department of Women & Child Development and Handicrafts Corporation.

G Masks are also being supplied by the groups to nearby schools and colleges.

G The LEDP programme has helped these 09 beneﬁciaries to start their own enterprise and stand on their own feet.

G Not only getting beneﬁtted out of the LEDP, they are also able to generate employment to other womenfolk in their community.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 69 4. MENDING THEIR WAY TO DEVELOPMENT Bidar, Karnataka

CHALLENGES G Most of the members of Samagara Community whose traditional occupation is Chappal making and repairing were destitute, illiterate, landless.

G Poor resource base, no access to credit, given to indebtedness and migration.

G The real challenge was to mobiliz them in groups, to make them understand the concept of savings, activities and beneﬁts of SHG.

INTERVENTIONS G Shivasharanu Haralaiah SHG was formed by DCCB, Bidar which was acting as SHPI. The bank was sanctioned SHPI project to promote and credit link SHGs with the DCCB.

G Training was given to them on SHG concepts and were taken on Exposure visits for cross learnings on savings and potential economic activities.

G Group taken up the activity of Chappal making business, selling the chappals in local market and in adjacent districts

70 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” IMPACT G Members now understand and believe in savings concept, importance of group bonding and dynamics, which was introduced among them. They help mutually in repayment of the installment to avoid any default.

G SHG initially took a loan of Rs.25000/- in 2005 from DCCB, Bidar to start a chappal making unit. Group availed multiple bank linkage and repaid 100%. Today the loan enhanced to Rs. 8,00,000/- which is a great achievement.

G Members buy raw material locally from Basavakalyan and sell the chappals in local market and also in Gulbarga, Udgir.

G The SHG members have availed of loan for their children’s education and housing.

WAY FORWARD G They are also designing the chappals by themselves, as per the orders from various traders.

G Quality chappal making is a sustainable income generating group activity for this SHG. From abject poverty they have travelled a long way to becoming self-reliant.

G The Financial and handholding support by the DCCB, Bidar, and NABARD throughout the implementation of the project will continue in their successful journey.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 71 5. HEALTHY HALDI DAYS Balaghat, Madhya Pradesh

CHALLENGES G Most of the members are dependent on agriculture and allied activities. Income from traditional crop of paddy was mainly dependent on rainfall and other factors affecting climate and weather.

G Sloping side of the farms remain barren during the period of paddy crop.

G The main challenge was to utilize the sloping areas of land and ﬁnd some alternative livelihood solution by imparting skill training.

INTERVENTIONS G During the ﬁeld visits, NABARD understood the difﬁculty faced by the members and sanctioned an LEDP project to Anupama Education Society to promote 90 group members of SHGs to provide livelihood training.

G Anupama Education Society played a major role in forming, nurturing and credit linking of 800 SHGs and having an association with NABARD since 2010.

G 150 members from Waraseoni block received training in Processing of turmeric, Branding, Packing and Market Linkage.

G SHG members also learned to produce various types of crops such as ginger, ground tubers etc.

72 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” IMPACT G The processed turmeric produce is well accepted by the market. Shopkeepers of Varasivani, Balaghat and many local level traders have placed orders in bulk.

G They have showcased their products at many local fairs which attracted huge business.

G Subsequently their dependency is less on traditional paddy crop as they learnt alternative activities for income generation. The members are growing other crops from the same piece of land.

G With this intervention farmers have got some stability as well as increment in their agricultural income.

G At present, there is an increase in annual income of about R15000/- to R20000/- from turmeric cultivation based on area under cultivation.

WAY FORWARD G The project has boosted the conﬁdence of women members.

G The project has shown them a path to supplement increase their family's income and gained respectable status in their community.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 73 6. CRUNCHY PAPADS AND PICKLED MEALS Amaravati, Maharashtra

CHALLENGES G Smt. Kiran Vinod Rode is a widow from Morshi Taluka of Amravati District. After her husband’s demise she had to run the family all alone and was in search of an employment.

G She got to know about Self Help Groups and that by becoming a member of SHGs, women can help themselves mutually whenever they need ﬁnances.

INTERVENTIONS G She along with another woman, Smt. Jyoti Purushottam Mahhale from the same place, initiated and formed a Self Help Group with a name Mangalam Mahila Swayam Sahayita Bachat Gat in their village.

G Initially, group had 11 members with an average monthly saving of R200/- from each member.

G The group started to prepare pickles, papads and snacks at home and to sell them in their locality.

G At later stages the group was guided by Ashrey Sevabhavi Sanstha, Morshi with grant support from NABARD under its SHG Promotion Programme.

IMPACT

G Gradually their home made items became famous in their own village and now running successfully in other villages also.

G The group has participated in many exhibitions and got good response from the customers and received many orders for their products.

G Now, SHG has increased its production in bulk and started employing other women of vicinity.

WAY FORWARD

G The group graduated enough to generate employment for themselves within their community. Many needy people are into employment.

G Their ﬁnancial needs were very small initially. Now their ﬁnancial needs increased many fold and they are availing R2,50,000/- loan from agencies like NABFINS.

74 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 75 7. SNACKING TO VICTORY East Godavai, Andhra Pradesh

CHALLENGES G Food Products like Sweet Paper, Chikki, Spice Powders and Pickles of East Godavari district are mainly prepared by women belong to economically weaker section of Konaseema Region of East Godavari district.

G Because of unique way of preparation, good taste and low price these products have high demand in and around the district. However, factors like lack of skill up gradation, non-standardization in product preparation, no brand labeling and lack of ﬁnancial support, the products were not fetching proper proﬁts to the women despite their strenuous efforts.

INTERVENTIONS G At this needy hour Micro Enterprises Promotion and Development Agency (MEPDA), East Godavari intervened and implemented Livelihood Enterprises Development Project (LEDP) in Vedureswaram village, with the grant support of NABARD.

G Selected 90 SHG women were imparted intensive training on preparation of various food products, standardisation of process and products, extended all the expertise / professionalism required in this ﬁeld.

G LEDP facilitated the group to get Bank loans for expanding their business, extended hand holding and marketing support to take their business forward.

76 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” IMPACT G The LEDP beneﬁciaries have formed a society named M/s Konaseema Rural Women Food Products Manufacturers Industrial Co-operative Society Ltd, at Vedureswaram, East Godavari district.

G The Society has become a regular supplier of food products to “Victory Foods Products”, a corporate marketing agency based in East Godavari district and having outlets across the state of Andhra Pradesh.

G Post training ,each LEDP beneﬁciary is earning an income of Rs.18,000/- per month with the same occupation.

WAY FORWARD G During the month of March 2020, they bagged an order of Rs.2.00 Crore from Victory Foods Products. The members have given the credit to NABARD LEDP Programme.

G The intervention of MEPDA, with the support of NABARD, empowered a group of SHG women from the lower strata of the society to become economically independent and lead a better social life.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 77 8. ROTI, KAPDA AUR MARKETING Mohali, Punjab CHALLENGES G Poor women with low standard of living and no source of income

G Smt Daljeet Kaur, Smt Satpal Kaur, and Mahinder Kaur from Khizrabad village in Majri block of Mohali district came together to take beneﬁt from the SHG activities.

INTERVENTIONS G Mahila Kalyan Samiti, Mohali under SHPI Project of NABARD, helped in the formation and smooth functioning of Baba Deep Singh MKS SHG. It was saving linked with SAS Nagar Co-Operative Bank, Khizrabad.

G Group was credit linked after 6 months with Punjab National Bank Sailabha branch.

G The members started tailoring work and contributing extra income to their families.

G Under MEDP Programme of NABARD, training was imparted in cutting, tailoring and food processing in the village.

IMPACT G Members engaged in tailoring, cutting work and started their own shops.

G Groups started making various food products under the supervision of the founder members.

G They got an opportunity to showcase their products in CII, PITEX, Swadeshi Mela and Bhopal Fair. G The income from Melas has improved and transformed their lives.

WAY FORWARD G One Rural Mart has been set up in village Khizrabad in Majri Block and is earning very good income and beneﬁtting the members.

G All women are well aware of banking and marketing related activities and their children are studying in good schools and colleges.

78 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 9. HANDMADE HAPPINESS Morbi, Gujarat

CHALLENGES G Upliftment of the lives of economically backward community, both socially and economically

G To help mobilise strong response in ﬁghting poverty and other related problems

INTERVENTIONS G One LEDP Project in manufacture of readymade garments, handloom bags and handicrafts was sanctioned to Divya Jyoti GVK Mandal, in Morbi district of Gujarat in 2019-20

G The aim was to promote ecofriendly products.

G The project consisted of 90 SHG members from 22 SHG groups who have already availed loan from Rajkot DCCB and Bank of India.

IMPACT G Post training, 4o SHG women of 12 SHG groups participated in Sahyog Mela held at Ahmedabad and made sales of R80,000/-.

G Another group participated in SARAS Fair, Surat sponsored by DRDA, Morbi could achieve sales of R1,20,000/-.

G Proﬁt generated by both groups was around R50,000/-

WAY FORWARD G By taking part in local exhibitions and melas women get exposure to the latest marketing trends.

G By upgrading their skills they can have a better demand in the market for their products

G They can earn their livelihoods and extend ﬁnancial support to their families

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 79 10. TAILOR-MADE FOR PROSPERITY Senapati, Manipur

CHALLENGES G Poor SHG women without any skills and source of income.

G Smt. A Komuhra hailed from a small village of Senapati District of Manipur. She was struggling to make both ends meet and ﬁnding difﬁcult to run her family.

INTERVENTIONS G NABARD supported ACCORDS under the SHPI project.

G SBI, Tadubi branch ﬁnanced the SHGs

G A 13 day MEDP on Tailoring was organized by ACCORDS for matured SHGs at Shajouba village of Senapathi District.

G 35 SHG members from 19 SHGs of Shajouba were trained in the MEDP.

IMPACT G Smt. A Komuhra, a member of the matured SHG Kariibomii, enrolled herself in the training programme and got trained.

G She has now started her own tailoring unit at Shajaoba village with a loan of Rs.50000/- from SHG which she belongs to.

G Today she is able to earn R400/- to R500/- daily from her unit enabling her to support her family with monthly income of R12,000/- to R15,000/-

G Smt. A Komuhra during the felicitation programme expressed her gratitude and happiness to NABARD and ACCORDS for imparting training through MEDP.

WAY FORWARD G The training programme has shown light to many rural women.

G They are marching forward to the next level in their lives.

80 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 11. EARTHEN WARE TO ETHEREAL WEAR… Koraput, Odisha

CHALLENGES G Women in the potters’ families like Lakhmi Kumbhar & Bhagabati Kumbhar of Khraguda and Kumbhar Limca in Koraput block were making earthen pots, lamps, vessels etc. over generations, without any value addition

G They were not having the orientation to change and upgrade. No diversiﬁcation, lack of quality and understanding of demand /market requirement

INTERVENTIONS G NABARD Regional Ofﬁce with the support of PRASTUTEE, NGO, organised Orientation programme under Micro Enterprise Development Programme in their own village for the Economic Empowerment of Women SHG members through Terracotta value addition product Training & Marketing.

G It was to improve livelihood opportunity of the producer’s community through imparting basic training on Value added Terracotta making, technology transfer and up grading their traditional indigenous knowledge and skill to produce market standard oriented new products.

G Services of Sibani Priyadarshini, a professionally qualiﬁed young woman on visual art & value added terracotta with an experience of making & marketing in local and national level markets, were utilized in the training.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 81 G The trainees learnt drying methods, grading of available material, optimum utilization to minimize wastage, processing/ value addition techniques, tools required for making garden decoration and jewellery, use of tools and their maintenance etc.

IMPACT G The 15 day long workshop with the trainer & trainees working for more than 5 hours a day covered issues that added immense value to the learning process

G It was extremely helpful in developing & upgrading skills through scientiﬁc training on production, storage, value addition, marketing etc. individually /collectively covering the entire gamut of backward and forward linkages for Terracotta products.

G The orientation was done with a speciﬁc objective of building-up a skilled Terracotta making work force and budding entrepreneurs to improve the production of value added Terracotta products on sustainable basis to get better income from MSP- MFP and from local retail market.

G Now 30 families are involved primarily in making and marketing of value added Terracotta Garden Decoration Items, Jewellery, Mould Work etc.

WAY FORWARD G The potters’ families with the upgraded skills in their hands, are ready to explore newer opportunities for them and others as well. G The training has ensured sustainable livelihood support and the women are experiencing the joy of wearing their own handmade terracotta jewellery.

82 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 12. SNACK MAKERS Kurnool, Andhra Pradesh

CHALLENGES G Smt. A. Vijaya Lakshmi and her three friends from Allagadda mandal, Kurnool district are poor women who were finding it difficult with insufficient income to make both ends meet and run their families.

G Since their activity was at domestic level, the income /margin was very meagre.

G They were borrowing money from private money lenders to meet the educational expenses of their children.

INTERVENTIONS G Miracle NGO sensitized these women to form into a Joint Liability Group (JLG) and made them understand the beneﬁts of joining JLG. G These four women formed into Sai Chaitanya JLG and credit linked with Noonipalle Branch of Kurnool DCCB with a loan amount of R1,00,000/- for the group as a whole.

IMPACT G Bank loan facilitated the JLG to start a unit in their village on their own and they started supplying various food products like sweets, pickles, spices etc. in bulk to shops, functions, marriages etc.

G Their products were marketed through exhibitions organized by various agencies including NABARD

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 83 G By participating in exhibitions/ melas, group could get good recognition. They could bag monthly order of R75,000/- to supply food products to Chennai.

G With their group efforts, each member is earning a regular monthly income of R10,000/-.

G These women not only benefited financially but also their confidence got a boost.

G The group expressed their heartfelt thanks to NABARD and Miracle NGO for providing such a great support to women living below poverty line.

WAY FORWARD G Members are getting a promising income to lead their families with dignity and are also able to give good education to their children.

G The group members are aiming to become entrepreneurs with their hard work and change their lives for the better.

84 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 13. DIGITAL UPLIFTMENT Puducherry, Tamilnadu CHALLENGES G Upgrading the SHGs and uplifting the economic status of SHG members.

INTERVENTIONS G Puducherry State Rural Livelihood Mission (PSRLM), Puducherry has digitised 920 SHGs under EShakti Project.

G 650 SHGs have availed credit linkage through E Shakti portal’s in-built automatic grading.

G Indian Bank Microstate Branch, Puducherry provided credit to these SHGs based on the performance and updated information gathered from E Shakti portal.

G Jihendriran SHG - Union Territory of Puducherry was formed in the year 2009 with 12 members, with a contribution of R200/- per month per member. They started giving internal loans to the needy members of the group with an interest rate of 2%.

G SHG received R15,000/- as revolving fund from DRDA and R38, 000/- as loan from Bank, which was utilised for internal lending. The group subsequently was sanctioned R3,60,000 and was promptly repaid

G Jihendriran SHG was also one of the digitized SHGs under EShakti project

IMPACT OF E-SHAKTI G Readily available information on EShakti portal viz; details of SHG and its members, ﬁnancial details and dynamic grading, facilitated bankers to take quick decisions.

G Jihendriran SHG was extended loan of R8, 42,000/-

G With the enhanced loan amount, SHG members engaged in livelihood activities like Rearing of Milch animal, Cultivating horticultural crops like banana and vegetables, setting up petty shops, cable operator & set top box and purchase of building equipment.

G The SHG members expressed happiness and thanked NABARD for all the initiatives because of which their earning capacity has improved compared to prior to group formation and also after EShakti

G They are happy with ‘sms’ alerts received for the transactions which ensure transparency regarding their payments.

WAY FORWARD G Branch Managers found the EShakti portal very useful as it was on real time basis and saved a lot of their time and they could get all the required information about the SHGs at the click of a button, before sanctioning any loan.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 85 14. WHEN THE GOING GETS TOUGH…THE TOUGH GET GOING Mahasamund, Chattisgarh

Three Implementing Agencies (IAs) viz. SMILE, Unnayan, NIDAN are implementing NABARD’s EShakti project in Mahasamund district of Chhattisgarh. The EShakti SHG members rose to the occasion in helping the needy and under privileged communities of the society during COVID-19 pandemic. They prepared and distributed Face Masks, Hand Wash etc. and also sensitized the local people by creating awareness in Hand Wash, Respiratory Hygiene, Personal Hygiene, Social Distancing etc., as per the guidelines in force.

A few of the initiatives undertaken by the EShakti SHG members under the guidance of these three IAs :

SMILE : In Bagbahara Block, 496 SHG members belonging to 49 SHGs were involved in the initiatives. Apart from making 31556masks from which they earned more than Rs.1.13 lakh, they prepared and distributed 2000 masks free of cost. Distributed Ration packets and vegetables to 50 families through Gram Sanghatan funded by Disaster Relief Fund. They provided free food to migrants who were travelling back to their homes. They took care of 169 conﬁscated cattle at Komakhan and provided them feed and drinking water. People arrested during lockdown at Bagbahara Kala were also fed by the SHGs.

UNNAYAN : 15 SHGs with 160 members took part in various initiatives. One unique initiative is that the Animators working as Bank Sakhis were instrumental in distributing amount received towards pension, Ujjwala Gas, etc. Few SHGs made masks from material available at home and distributed them free. Ration materials were also distributed free by some SHG members.

NIDAN : 365 members of 35 SHGs in Pithora, Saraipali and Basna Blocks were involved in preparing and selling herbal Handwash, from which the SHGs earned some income. Hand sanitizers are being prepared by these SHGs. They have also arranged for home delivery of vegetables and provisions to the needy people.

NABARD, along with District Administration, CMO, Zilla Panchayat and Forest Department, played an important role in supporting the initiatives like getting raw materials, smooth operations during lockdown, marketing etc. SHG members are now getting orders for stitching of masks from schools, Panchayat Raj ofﬁces, hospitals etc.

86 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 15. STEERING THE BUMPY ROADS OF SUCCESS Puducherry, Tamilnadu CHALLENGES G Sai Baba SHG members were facing problems due to the seasonality of their business of selling white Rangoli powder

G They were unaware of other livelihood options

INTERVENTIONS G Innuyir Grama Sangam, under the guidance of M. S. Swaminathan Research Foundation, promoted Sai Baha SHG with a few women from Kunichampet Village, Manadipet, Puducherry.

G Ms. Muthulakshmi, the cluster co-ordinator explained the whole process of SHG and motivated the members to start the business through SHG mode.

G With a monthly saving of R200-500 each, the group started White Rangoli Powder business with bank loan of R35,000/-

G After realising that their business is seasonal and not very proﬁtable, they wanted to take up other activities.

G They were introduced to EShakti project and were demonstrated the various facilities available in EShakti portal and how to make use of them.

G They decided to take up car rental business as their village is 25 kms away from Puducherry with limited transport facilities. For important social activities, personal visits to hospital, market etc. Villagers have to depend on private transport to go to Puducherry town.

IMPACT G EShakti enabled the bank to see the credit history of the SHG and also get automatically generated grading report through the portal.

G Based on data from EShakti, Puduvai Bharathiyar Grama Bank, Kunichampet approved a loan of R7.5 lakh, through which the SHG started the car rental business.

G Members started getting updated details of all loan and outstanding transactions regularly due to EShakti

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 87 16. DREARY LIVES TO DAIRY DREAMS Palakkad, Kerala

CHALLENGES G Low level of income and no access to ﬁnance

G Lack of awareness about available opportunities and the required skills for taking up income generating activities

INTERVENTIONS G Under LEDP, 150 members from SHGs/JLGs trained in Dairy Farming and Vegetable Cultivation in Nemmara Block of Palakkad District, Kerala, by Gangothri Trust Nemmara, Palakkad, Kerala.

G Members were trained to set up and sustain dairy on commercial scale.

G Two Community Resource Persons (CRPs) were also identiﬁed and selected for Dairy Farming.

G Out of 75 members trained for dairy activity, 45 were trained further and linked with bank and arranged with credit facility to purchase cows.

G Trained members were provided with loan by the bank after the members completed their one-week training supported by NABARD under LEDP.

G The milk produced was collected and marketed through the local milk societies and also through the Rural Mart outlet of Jan Kissan Farmer Producer company, both supported through ﬁnancial assistance of NABARD.

88 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” IMPACT G Members are earning Rs.5000/- to Rs.6000/- each, in addition to their present income.

G They learnt that FPOs have the potential to give farmers better bargaining power and create more transparent agri-marketing avenues.

G One of the CRPs, Smt Ambika Chandran purchased one Desi Cow with the ﬁnancial support of Rs.15000/- under the programme.

G She is now doing integrated farming in three acres of land consisting of a mini Dairy, Vegetable cultivation, Poultry and Goat rearing , besides her active work as a CRP.

G She has been earning good income. She has become a role model for the members in that area.

WAY FORWARD G The facilitating agency further plans to increase the target group and widen its activities to reach the unreached section of the community and also to empower women in generating income and employment.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 89 17. GOING GLOBAL…DESI STYLE Dharwad, Karnataka

CHALLENGES G Dharwad Kasuti, an ancient craft of hand-embroidery fading away due to the limited number of trained artisans.

G Facing competition from cheaper and faster machine-embroidery.

G Challenge was to convince the members of the families about the Kasuti Skill training, advantages of working from home and the earnings with their own skill.

INTERVENTIONS G LEDP was conducted in Betadur and Adargunchi in Dharwad district with a grant assistance of Rs.4.13 lakh, for training 90 mature SHG members with grant assistance by NABARD to IDF SHG Federation.

G Resource persons were identiﬁed for imparting basic and advanced training in Kasuti weaving and motif designing.

G The women were trained in three batches for a period of two weeks each.

90 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” G Entrepreneurship development inputs like pricing, quality check, etc. were also imparted to enable sustainable entrepreneurship development after the training.

IMPACT G Trained artisans received job-works for weaving Kasuti motifs on various types of fabrics.

G The Implementing Agency has entered into buy-back and tie-up arrangements with leading fabric companies’ viz., FabIndia, GoodEarth, etc.

G The women are more conﬁdent and now independently commute to nearby districts to collect raw material and deliver ﬁnished items.

G After the training the artisans enthusiastically participate and display their work in various exhibitions/Melas sponsored by NABARD.

G With an additional income of Rs.1000/- to 2,500/- pm the artisan women are commanding respect in the society and fulﬁlling their family needs.

WAY FORWARD G The LEDP trainees along with the existing cluster of artisans are being organized into an Off- Farm Producers Organisation to tap the niche national and international market.

G Exposure through participation in Melas and Exhibitions built conﬁdence in the rural women, making more women keen on learning the art.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 91 18. REARING TO GO….SCIENTIFICALLY Nandurbar, Maharashtra CHALLENGES G Low income generating activities

G Outdated practices in goat rearing etc. and lack of exposure

INTERVENTIONS G One LEDP was sanctioned to Lupin Human Welfare and Research Foundation for implementing a pilot project on “Community Managed Goat Farming Enterprise through SHGs” with grant assistance of Rs.5.32 lakh.

G 150 SHG members from 5 villages in Taloda block were provided extensive training in scientiﬁc goat rearing and management through technical experts.

G Major outcome envisaged under the project was setting up of Scientiﬁc Goat Shed by each trainee through credit linkage.

G The trainees were also taken on an exposure visit to a Goat Breeding Farm.

G A model demo of Scientiﬁc Goat Shed is setup in Roseway village out of the project grant.

IMPACT G 90 SHG members were facilitated by Lupin foundation for credit linkage for setting up of scientiﬁc Goat rearing sheds under the project through SBI and NABFINS

G The project helped SHG members to understand and take up goat rearing as one of the potential and remunerative livelihood activity in the project area

G It has successfully created an ecosystem among project villages for taking up commercial goat rearing by SHG members.

WAY FORWARD G The PIA is proposing to work on breed improvement by introduction of busk in the project area

G Organising the SHG members into Farmers Producer Company being promoted out of NABARD support in the project area.

92 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 19. BOVINE OFFERINGS Bargarh, Odisha CHALLENGES G Conﬁned to home with no avenues for earning livelihood

G Lack of awareness and exposure

INTERVENTIONS G Newlife Foundation Trust, an SHPI, formed Aradhana SHG in Pipilipalil, Bargarh district with the ﬁnancial support of NABARD, Bhubaneswar RO.

G Sandhyarani Kumar became a member of Aradhana SHG. With regular saving and inter loaning, she was able to contribute a good amount to the SHG accounts.

G She availed a loan of Rs.135000/- from the SHG for purchasing cattle (Jersey) as initial loan, which was the beginning of her journey towards economic independence.

G She was imparted basic training in Book Keeping, Micro and Livelihood Enterprise Development, etc.

IMPACT G By selling the milk she was able to repay her loan and also save money for herself with the proﬁt. She was inspired to take a step further in this livelihood venture by availing another loan from her SHG.

G At present she has 3 cattle, from which she is able to get 14 liters of milk per day. She sells fresh milk@40 per liter. Apart from her village, she sells to buyers from other villages also.

G She maintains her Livestock with utmost care by providing them with good quality feeds, timely medicines and maintaining the hygiene of the cattle and the shed.

G After incurring all the expenses related to her 3 cattle, Sandhyarani manages to earn an income Rs.5500/- per month.

WAY FORWARD G Now she is a successful entrepreneur and became a role model to other women of the group as well as villages.

G She became a master trainer for other farm women in Bardol Panchayat and other Panchayats of Bargarh Block.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 93 20. TRIUMPH OF HUMAN SPIRIT Durg, Chattisgarh

CHALLENGES G In the wake of COVID 19 Pandemic, most poor people suffering from lack of access to food and other facilities

G Many from the vulnerable sections of the society lost income earning opportunities

INTERVENTIONS G Sahyogi Jan Kalyan Samiti (SJKS) with the help of Mahila Commandos, SHG Members and Animators has taken various initiatives, extended assistance and help to the needy during the lockdown period.

• Along with local and district administration, activities like stitching and distribution of masks, soap & sanitizers, food items-rice, dal etc. are taken up.

G Created awareness about cleanliness, stay-home, social distancing to protect themselves from the virus.

G Anaj Banks are established in 5 blocks in Balod district with the initiative of the district administration and Sahyogi Jan Kalyan Samiti (SJKS) in collecting of rice, dal & other daily need items in the locality to cater to the needs of poor people.

IMPACT G Mahila SHG Commandos are stitching masks, hand wash soap and distributing free of cost to villagers and creating awareness in the community.

G 22 multipurpose mini rice mills under District Mineral Fund (DMF) were distributed to SHG Mahila Commandos in which rice, dal and spices are processed.

G The women groups are now able to earn Rs. 250/- to 300/- per day with the help of rice mills.

WAY FORWARD G The Collector, Balod is planning to provide 35 more mini rice mills to women groups in the district.

94 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” FINDINGS OF STUDIES COMMISSIONED BY NABARD DURING 2019-20

NABARD has been giving emphasis on research and development, and conduct of various studies for policy inputs from the very beginning. In order to fulﬁl the same, NABARD has been conducting various studies to acquire new insights into the problems of agricultural and rural development through in-depth studies and applied research and trying out innovative approaches backed up by technical and economic studies. Microﬁnance sector has witnessed phenomenal growth in the recent past which has brought about new challenges & opportunities. As a pioneer of the SHG movement, NABARD has been closely watching the developments in the sector. Keeping in view the dynamism of the movement, NABARD had commissioned quite a few Studies with reputed agencies and as well as in-house to understand the subtle issues for policy interventions. Synopsis of study reports of 2019-20 are enumerated below:

A Issues in Credit Linkage of SHGs – A Quick study in Arunachal Pradesh A quick study on “Issues in Credit Linkage of SHGs” was conducted by Arunachal Pradesh RO in the three districts of Lower Subansiri (LS), Lower Dibang Valley (LDV) and Changlang of Arunachal Pradesh with an objective to look into the ground level progress in implementation SHG-BLP, to understand the extent of SHG formation and credit linkage of SHGs, factors leading to poor SHG Bank Linkage and high NPAs and to recommend measures to improve SHG –BLP in the state and reduce NPA. The study covered 50 SHGs in 30 villages covering 73 SHG members.

Important Findings: Y Financing of farm activities was very low primarily on account of poor demand and collateral related issues. Farm-holds generally depend on own sources for ﬁnancing farm activities, and rarely attempted any commercialization and crop diversiﬁcation. Inadequate loan facility, lack of skill and training activity, poor marketing opportunities, less cooperation from group members, were the major causes for not taking up the group activities.

Y Formation of SHGs: Several socio/economic/ geographical and behavioural factors inﬂuenced SHG formation in Arunachal Pradesh. (i) Challenging geography, (ii) Contented life of the inhabitants, (iii) Lack of entrepreneurship habits, (iv) Lack of SHPIs, (v) Lack of interest by banks in SHG - BLP, (vi) Non-viability of SHG –Bank linkage activity for the promoters (on account of poor infrastructure, sparse population, high cost involved), (vii) Poor showcasing of success stories, (viii) Lack of homogeneity among members due to substantial diversity in tribe, culture, (ix) Political interference in group activities leading to disintegration of groups and (x) Grant culture and indifference to avail credit.

Y Reasons for NPAs: (i) Low level of income due to small size of holding, lack of activity/ crop diversiﬁcation, (ii) Failure of units started with loan, lack of alternative sources

Drafted by Smt Didla Sumana, AGM

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 95 of income, (iii) Expectations of Grant culture and un-familiar with loan culture, lack of awareness on the consequences of default and beneﬁt of prompt repayment. (iv) Lack of persuasion due to absence of mediating agency, lack of guidance, (v)Poor relationship with banks, lack of business / repayment plan. (vi) Staff constraints in Banks (short duration stay), violation in lending norms, poor appraisal of loans and poor follow up (vii) Lack of support from line departments.

Conclusions: Y SHG-BLP programme in Arunachal Pradesh is confronted with multiple predicaments such as geographical constraints, lack of infrastructure, absence of suitable facilitating agencies, political interference in group activities, low level of credit linkage of the matured groups, high NPAs etc.

Y The study observed that SHGs in the state are strong and have good potential for absorbing bank credit through this channel. It also highlighted that it is possible to recover the loan if the banks adopt rigorous follow up and good relationship.

Y The study concludes that the provisions and relaxations existing under the SHG-BLP norms are adequately taking care of the geographical/territorial limitations of the state, hence warrant no change.

Suggestions: Y Suitable incentives to support the operations of reputed and credible promotional agencies in the state may be introduced.

Y Government may provide institutional support for improving recovery of SHG loan and conﬁdence of banks. Strengthening of ArSRLM and to introduce district/regional level layer. A Credit Guarantee Scheme may also be planned through ArSRLM to improve the comfort level of banks in ﬁnancing SHGs.

Y Active involvement of banking sector in SHG-BLP. SLBC may ﬁx bank wise targets and DLRC/DCC may ﬁx branch wise targets. Banks may also strengthen their awareness on SHG-BLP, appraisal, monitoring and recovery skill/mechanism.

Y On-location training on income generating activities, entrepreneurship development programmes to be conducted to enhance the skills of the members. To open at least two more RSETIs in the state to facilitate training to the rural masses including SHG members. Capacity building of all the functionaries taking part in implementation of SHG-BLP, by involving Community Resource Persons.

B. Joint Liability Groups(JLGs) : Innovations and Impact CRFIM conducted the study on “Joint Liability Groups(JLGs) : Innovations and Impact” with the objectives to study the level of indebtedness and adequacy of bank credit to the JLG

96 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Households, assess impact of JLG programme on credit flow to SF/MF/tenant farmers, extent of income generating activities supported through the JLG financing, analyse JLG financing model of Public Sector Banks, Private Sector Banks, RRBs and Cooperative banks and assess coverage of tenant farmers/share croppers/oral lessees and FPOs under JLG scheme. The overall sample comprised 7 states, 7 districts, 28 bank branches, 128 JLGs and 336 JLG members.

Important statistical observations: i. Ninety six percent of the sample borrowers belonged to weaker sections. 60% belonged to SC/ST/BC households and 36% were from BPL category. Thus, the JLG scheme beneﬁtted socially and economically weaker sections of the society. 45% of borrowers were indebted to more than one source. The average indebtedness of sample borrowers across all the states varied within the range of R20,836/- to R48,227/-.

ii. The average share of institutional and non–institutional sources in household’s debt was 78% and 22% respectively. On an average, 50% of sample borrowers were totally indebted to JLG loan (i.e., they were meeting their entire credit requirement from JLG alone). A large segment (75%) of sample JLG borrowers reported that bank loan offered under JLG scheme was inadequate. This was due to stipulation of upper limit on loan by few banks. Incidentally, this upper limit is much below the limit of Rs.1.00 lakh prescribed for loans without collateral security under JLG scheme.

iii. FPOs and farmers clubs have played a key role in facilitating collateral free credit to tenant farmers. Majority (85%) of sample borrowers have used JLG loan for income generating activities. JLG loans have extensively been used for working capital requirement of livelihood activities by the households. JLG loan was also used for diversiﬁcation of livelihood activities of households. JLG loan was a source of institutional credit for pursuing alternative means of livelihoods.

Conclusions: Y A large segment of vulnerable sections of society have been beneﬁtted by JLG scheme. The scheme has reduced dependency on non – institutional sources and increased share of bank credit to households’ debt of marginal, small and landless farmers.

Y The study observed that JLG scheme has brought positive changes in individual member level and household’s level, by way of improvement in household income, creation of household assets, easy access to bank credit, coverage under insurance schemes and opening of savings bank account of the JLG members. It also contributed signiﬁcantly in households’ alternative means of livelihoods.81% reported improvement of household income level, 66% created household assets, 33% changed cropping pattern and 58% reported reduction in hurdles for accessing bank credit.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 97 Y The scheme served the credit needs of marginal and small farmers including landless farmers having no land titles and documents. It has enhanced the ground level credit ﬂow to marginal, small and tenant farmers in all the sample states, which has resulted in reduction in dependency on money lender and MFIs.

Y FPOs and farmers clubs have played a key role in facilitating JLG loans to landless farmers. Role of NGOs, BCs/BFs and banks’ own staff was also impressive in augmenting collateral free institutional credit under JLG scheme. A separate vertical has been set up by private sector banks with dedicated manpower to cater to JLG clients while majority of public sector banks and RRBs have utilised the services of BCs and NGOs. Credit needs of tenant farmers and share croppers have mostly been served by RRBs and cooperative banks.

Suggestions: Y Increase in per borrower loan: Study suggests that banks may consider enhancing the ceiling, if any, on the loan limit up to R1.00 lakh per borrower.

Y Designing loan products as per the borrowers’ requirement: Banks may provide JLG loan for small business units, artisans, in cash credit nature with a provision of annual review for enhancement of limit, if necessary.

Y Engagement of Corporate BC: Banks may consider adopting the model of corporate BC to form and nurture JLGs. The revenue sharing model of banks and BCs may be worked out mutually. The BC may be responsible for providing end to end solutions, market research, client sourcing, forming, appraisal, linking, monitoring and recovery follow up. Further, in well performing BCs, the facility of sanction and disbursement of micro loans may be considered on a selective basis.

Y Capacity building of JLG borrowers: The JLG borrowers may be provided need-based skill oriented training on improved and modern technologies and entrepreneurship development for better management of their activities. Moreover, capacity building of the borrowers regarding group dynamics especially, peer pressure and JLG functioning process may be provided extensively by promoting agencies.

Y Increase in Grant assistance by NABARD to JLGPIs: The amount of incentive for JLGPIs may be sufﬁciently enhanced to keep them in the operations and also attract new partners to achieve the objectives of the JLG Scheme. Further, the incentive schedule may be drawn in a manner that last instalment may be on a higher side / sufﬁcient enough to keep the JLGPIs going till the completion of the project.

98 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” SEMINARS & CONFERENCES

Drafted by Smt Prafulla T Kurien, DGM

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 99 I. SIXTH WORLD CONGRESS ON RURAL AND AGRICULTURAL FINANCE

NABARD hosted the 6th World Congress on Rural and Agricultural Finance in association with APRACA, on 12-13 November 2019 in New Delhi. The aim of the 6th World Congress was to bring APRACA, AFRACA, ALIDE, CICA and NENARACA member institutions and all interested development sector partners together to discuss the topics that define the future of the flow of finance to the rural and agricultural sector and to bring a powerful message to the worldwide policymaking community. The two-day Congress was inaugurated by Hon’ble Finance Minister, Smt. Nirmala Sitharaman alongside Shri Debashish Panda, Additional Secretary (Financial Inclusion), Dept. of Financial Services, Shri Senarath Bandara, CEO - Bank of Ceylon and Chairman of APRACA and Dr Harsh Kumar Bhanwala, Chairman, NABARD and Vice Chairman, APRACA.

The Finance minister indicated the Government’s resolve to put the farmers’ concerns and rural development on a larger landscape. She appealed that there is a need for the farmers contributing in solar energy generation, participation in wind energy, installing solar panels in the farms, etc. also to become an Urjadaata from Annadata. The Government was also focusing on the priorities of fishermen in the coastal and inland water areas. Mr. Debasish Panda, IAS, Additional Secretary, Department of Financial Services emphasized on the need for financial inclusion for inclusive and sustainable development. He indicated that JAM Trinity will be further leveraged to drive financial inclusion.

Dr Harsh Kumar Bhanwala, Chairman, NABARD stated that agriculture credit every year to small and marginal farmers will be enhanced with the formation 10,000 FPOs, as announced in this year’s Budget . Further Technology Interventions would bolster ﬁnancial inclusion and rural ﬁnancing efforts.

G One of the key takeaways was that out of 17 Sustainable Development Goals (SDGs), 6 of them highlight the role of the youth in its sustainability. Digital technology is creating new opportunities for youth in non-farm sector. Initiatives and investments aimed at creating self-employment opportunities for rural youth in non-farm sector involving digital technology may be taken up as this will not only enhance their income but will also reduce their migration to urban areas.

G The focus on agri-value chain ﬁnancing will help reduce risk and vulnerabilities of farming community. Therefore, Govt. of India in partnership with agencies like IFAD/FAO need to focus on developing an ecosystem to facilitate greater credit ﬂow to the entire agriculture value chain.

100 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” During the course of the two-day Congress, deliberations were held on varied topics like “Mainstreaming Sustainable Agriculture to Achieve 2030 Agenda”, “Smallholder aggregation Model for Efﬁcient Value Chain and their Financing”, “Credit ﬂow to agriculture and its value chain to achieve revitalized rural landscape and deliver inclusive growth”, “Agricultural Value Chain Finance Innovations and Lessons: Case Studies in Africa” etc.

During the closing session, Shri M K Jain, Deputy Governor, Reserve Bank of India delivered the “Way Forward” for rural development, ﬁnancial inclusion and agriculture sector development. He made a case for incentivizing banks to extend loans to poor in backward areas in a bid to promote ﬁnancial inclusion especially in the most backward credit starved regions of the country to ensure faster development.

The 6th World Congress ended with all the member institutions signing the New Delhi Declaration to strengthen rural and agricultural ﬁnance initiatives across the globe.

A short field visit to Agra was also arranged for the benefit of some of the interested foreign Delegates. The delegates visited the Taj Mahal, UNESCO World heritage site. The team also visited the Agra DCCB wherein the Bank officials showed the mobile vans sponsored by NABARD for Agra DCCB as also Aryavat Gramin Bank. They highlighted the Mobile Van’s usage and its functioning and utility for the rural people.

Hon’ble Finance Minister Smt Nirmala Sitharaman inaugurating the 6th World Congress alongside Shri Debashish Panda, Addl Secy, DFS; Shri Senarath Bandara, CEO-Bank of Ceylon & Chairman, APRACA; Dr Harsh Kumar Bhanwala, Chairman, NABARD and Dr.Prasun Kumar Das, Secretary General, APRACA

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 101 Hon’ble Finance Minister Smt Nirmala Sitharaman, Govt of India

Dr. Harsh Kumar Bhanwala, Chairman, NABARD

102 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Shri Debashish Panda, Additional Secretary (Financial Inclusion), Department of Financial Services, Ministry of Finance, Govt of India

Shri Abhilaksh Likhi, Additional Secretary, Department of Agriculture, Dr. Paul Winters, Associate Vice President (Strategy and Knowledge), Cooperation and Farmers’ Welfare, Ministry of Agriculture and IFAD with Chairman NABARD and Shri Abhilaksh Likhi, Farmers’ Welfare (MoA & FW), Govt of India Additional Secretary, GoI

Participants at the Congress

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 103 Business Session hosted by NABARD, on “Smallholder aggregation Model for Efficient Value Chain and their Financing” – Prof Amar KJR Nayak, XIM, Bhubaneswar; Shri Sunil Kumar, CGM, NABARD; Shri Anil Kumar Sharma, ED, RBI; Shri Senarath Bandara, APRACA Chairman and CEO, Bank of Ceylon; Prof. Ramesh Chand, Member, NITI Aayog (Session Chair); Dr Harsh K Bhanwala, Chairman, NABARD; Dr. Suresh Pal, Director, ICAR; Shri Ashis Mondal, Director, ASA, Govt of India Bhopal and Mr Bruno Vindel, Agence Francaise De Development (AFD)

Business Session on Mainstreaming Sustainable Agriculture to Achieve 2030 Agenda – Prof Ashok Gulati, ICRIER (Session Chair); Dr. Bernard Lehmann, FAO; Dr. Thouraya Triki, IFAD,Rome; Dr. Pierre Jacquet, President, Global Development Network (GDN), New Delhi

Shri M K Jain, Deputy Governor, RBI delivering the closing address and the Way Forward

104 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Mr. Edgardo Alvarez, Secretary General, ALIDE; Dr. Harsh Kumar Bhanwala, Chairman, NABARD, Mr M K Jain, Deputy Governor, RBI; Mr Senarath Bandara, Chairman, APRACA, and Mr. Jean-Marie Sander, Chairman, CICA unveiling the New Delhi Declaration for Rural and Agricultural Development

Organizing committee, speakers and NABARD officials at the 6th World Congress on Rural and Agricultural Development

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 105 II. CHINTAN BAITHAK – 2 A consultative Meet Chintan Baithak – 2 on “Future of Microfinance in India – Challenges and Strategies” was also conducted by the Centre at BIRD, Lucknow on 16 December 2019. A total of 65 delegates representing banks, MFIs, SFBs, NGOs, FPOs, senior officers of NABARD have participated in the Chintan Baithak. The Chintan Baithak was graced by Smt. T.S. Raji Gain, Director, BIRD, Lucknow, Shri S.V. Sardesai, Principal, NBSC, Shri Mithilesh Kumar, GM, MCID, NABARD, Head Office, Shri T.Venkatakrishna, MD & CEO, Nabkisan Finance Ltd. Shri M. Vats Joint Director BIRD and Sh. SK Dora, Vice-Principal, NBSC, Lucknow.

The session Sustaining MSMEs through Microfinance was chaired by Shri S.V. Sardesai, Principal, NBSC and the session on Graduation of SHGs/JLGs Federations to Producers Organisations/Collectives was led by Shri Mithilesh Kumar, GM, MCID, NABARD. The key takeaways were that Standardisation of KYC documents by all financing agencies was needed to reflect accurate indebtedness of borrowers in credit bureau platforms as this would address the over indebtedness on account of multiple loans. Involvement of RSETI was required in pre and post sanction phases for nurturing and capacity building of entrepreneurs. Further on the theme of producer organisations, it was indicated that well performing federations can be transformed into producer’s organisations for providing various support services to primary producers. Social mobilization is a key parameter for addressing sustainability aspects of POs as also a mechanism is required for nurturing FPOs for good governance and better management on a continuous basis.

Chintan Baithak – 2 in progress

Panelists and Organizers

106 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” III. NATIONAL SEMINAR ON FINANCIAL INCLUSION AND MICROFINANCE

The 5th National Seminar on Financial Inclusion and Microfinance was organized by NABARD and BIRD (CRFIM) on 02 March 2020 at BIRD, Lucknow under the guidance of Smt T S Raji Gain Director BIRD. The Seminar was graced by Ms. Leena Johri, IAS, Joint Secretary, MoRD, GoI & CEO - NRLM & IEC, Shri R. Lakshmi Kanth Rao, Regional Director, RBI, Lucknow, Shri Shankar A Pande, CGM, UP RO, Smt. R. Kakati Baruah, CGM, MCID, NABARD, Head Office, Shri L.R. Ramachandran, CGM, DFIBT, NABARD, Head Office, Shri S.V. Sardesai, Principal, NBSC. The Seminar was attended by important dignatories from RBI, NRLM, Senior Officers of Banks and NABARD, Government Departments, NRLM, SRLM, Microfinance Institutions & Practitioners, NGOs, Academicians, Scholars and Faculty Members of BIRD and NBSC

The two themes of the Seminar were: a) Convergence of Fin Tech Companies, Microfinance and Financial Inclusion chaired by Shri L R Ramachandran CGM, DFIBT, NABARD, Head Office b) SHG Bank Linkage Programme - Way Forward chaired by Smt Rajashree Baruah CGM, MCID, NABARD, Head Office

The Key takeaways were that the scope of digital finance needs to be expanded with the help of the technology services provided by NPCI. Further, Aadhaar enabled technological solutions should be made available at bank branch level for appraising micro loans under SHGs, KCC and JLGs. Banks and Financial Institutions have to partner with Fin Tech Companies actively to achieve the last mile connectivity. The need for making technology driven financial services and technology available in the remotest areas in a cost effective manner to ensure demand and supply balance. Extending the scope of financial inclusion beyond opening of saving bank accounts and providing the whole gamut of financial services using technology would requires close coordination and association of financial institutions and Fin Tech companies. The synergy between Financial Institutions and NRLM is required in effectively using the large SHG customer base to reach out to the poor and vulnerable sections and for promoting bank sakhis as business correspondents

Inauguration of National Seminar on Financial Inclusion and Microfinance Director, BIRD – Welcoming Ms. Leena Johri, IAS by giving a Tree Certificate

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 107 Director, BIRD – Welcoming Shri R. Lakshmi Kanth Rao, RD, RBI Panel I by giving a Tree Certificate

Organizers with Panel II

National Seminar on Financial Inclusion and Microfinance in progress

108 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” IV. SA-DHAN NATIONAL CONFERENCE

NABARD supported Sa-Dhan National Conference. The theme of the Sa-Dhan National Conference, 2019, was “Two Decades at Paving Way for Financial Inclusion”. It celebrated the success of financial inclusion in the last twenty years, delved upon the challenges and learnings, and pondered upon the future trajectory of microfinance. A major objective of the conference was to look back at the various developments which had taken place in the microfinance space, reflect on the lessons learnt, draw inspiration from the best practices which had emerged and planned to leverage the current ecosystem. There were around 600 delegates and 75 speakers for the two day Conference on 16-17 September 2019. The Bharat Microfinance report was also released during the conference.

Sa-Dhan National Conference, 2019, led by Executive Director, Shri P Satish, also marked 20 years of work by Sa-Dhan towards the advancement of Financial Inclusion of the unserved in the larger ﬁnancial system of India. The conference was graced by Professor Muhammad Yunus, Nobel Peace Laureate 2006 and Founder, Grameen Bank, who was also the chief guest. Professor Yunus identiﬁed, three zero words – Zero Poverty, Zero Unemployment and Zero Net Carbon as important goals that humankind should aspire to achieve.

Sa-Dhan presented its training and certification platform which has been developed in association with M2i for professionals who are working in the microfinance sector or one day hope to work in this sector There were number of sessions relating to 20 Years of Microfinance - Successes and Challenges, Microfinance and Clean Energy: Untapped Opportunity, Growing Urbanization – Scope for Microfinance, Enlarging the Canvas of Community Finance, Insurance: the Missing Link in Financial Inclusion, Propelling Innovative Funding, Integrating Digital Finance, Strengthening Cyber Security Breakaway session, Health, Water & Sanitation – Achieving SDG goals Breakaway session and Augmenting Good Governance and Promoting Responsible Finance. CGM-MCID was a panellist for the session on enlarging the Canvas of Community lending. The Session’s takeaway was that the future role of SHGs needs to include not only financial inclusion but also enterprise promotion among women. In order to fulfil these roles effectively, their capacity in the area of financial management and use of mobile and digital technology should be built. EShakti was also showcased at the Conference.

Shri P Satish felicitating Professor Muhammad Yunus Launching of The Bharat Microfinance Report

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 109 Panel on “Enlarging the Canvas of Community Finance” moderated by Mr N Srinivasan, Sector Expert with Ms Rajashree K. Baruah, CGM, NABARD, Dr Anjana Borkakati, MD, Prochesta Thrift & Credit Cooperative, Society Asom, Ms H Bedi, CEO, Development Support Team, Ms Mamta Kohli, Senior Social Development Advisor, DFID India, Ms Prerna Saxena, FI Specialist, IFC

Shri K V Rao, Managing Director, NABCONS Shri P Satish acknowledging NABARD – Smt Prafulla T Kurien, DGM, MCID, NABARD, Head Office

Shri P Satish acknowledging NABARD – Smt Didla Sumana, AGM, Sa Dhan Conference (on behalf of DEAR) MCID, NABARD, Head Office

110 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” V. SKDRDP’S INTERNATIONAL CONFERENCE ON ‘SHG MOVEMENT- A STEP FORWARD FOR BUILDING A HEALTHY SOCIETY’ NABARD supported SKDRDP’s International Conference on ‘SHG Movement- a Step Forward for Building a Healthy Society’ which was held from 30th October to 2nd November 2019 at Bengaluru. The Seminar was attended by dignitaries on Microﬁnance from across the globe and inaugurated by Smt Nirmala Sitharaman, Hon’ble Finance Minister, Govt of India. The Plenary sessions on “SHG Movement towards improved health and risk mitigation” was chaired by Shri PVS Suryakumar, CGM, Karnataka RO and by Smt Rajashree Kakati Baruah, CGM, MCID, NABARD, HO, Mumbai on “SHG Movement towards access to ﬁnance”.

Other sessions on ‘SHG movement towards healthy enterprise creation’, ‘SHG movement towards healthy farming community’, ‘SHG movement towards cashless economy’, ‘SHG movement towards building healthy community institutions’ and ‘SHG movement towards a healthy family’ were chaired and addressed by eminent speakers . NABARD had put up a stall on E Shakti for showcasing our initiatives.

Smt Nirmala Sitharaman, Hon'ble Finance Minister, GOI Plenary session on SHG Movement towards improved health and risk giving inaugural address at the Seminar mitigation chaired by Shri PVS Suryakumar, CGM, Karnataka RO.

Plenary session on SHG Movement towards access to finance chaired by HO and Bengaluru RO organisers at the E Shakthi Stall Smt Rajashree Kakati Baruah, CGM, MCID, NABARD, HO, Mumbai

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 111 112 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENTS

Compiled by Smt Prafulla T Kurien, DGM; Shri Rajesh Bhosle, AGM; Kum Bhawna Jain, Manager STATEMENT - I - A

Progress under Microﬁnance - Savings of SHGs with Banks Agency-wise position as on 31 March 2020

(Amt. R lakh)

Total Savings of SHGs Out of Total -Exclusive Out of Total - Under Out of Total - Under Sr. Name of with Banks Women SHGs NRLM/SGSY NULM/SJSRY No. the Agency No. of Savings No. of No. of Savings No. of Savings No. of Savings SHGs Amount Members SHGs Amount SHGs Amount SHGs Amount 1 Commercial 5473833 1566217.93 67777979 4600857 1372187.28 3040229 849429.07 295121 87895.62 Banks 2 Regional Rural 3261879 781127.17 38201051 2845997 717481.87 2225893 486770.04 89757 56192.34 Banks 3 Cooperative 1507611 267859.79 18116392 1384895 242386.07 523144 95070.61 83941 8268.78 Banks Total 10243323 2615204.89 124095422 8831749 2332055.22 5789266 1431269.72 468819 152356.74

STATEMENT - I - B

Progress under Microﬁnance - Bank Loans disbursed to SHGs Agency-wise position during the year 2019-20 (Amt. R lakh)

Loans disbursed to Out of Total -Exclusive Out of Total - Under Out of Total - Under SHGs by Banks during Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of the the year No. Agency No. of Loans No. of Loans No. of Loans No. of Loans SHGs disbursed SHGs disbursed SHGs disbursed SHGs disbursed 1 Commercial Banks 1796099 4843108.56 1596125 4504665.54 1112339 3302571.40 67748 170786.34 2 Regional Rural Banks 1093788 2423162.23 1050059 2354380.58 850655 1739616.76 74587 143968.46 3 Cooperative Banks 256115 499664.05 238205 470710.35 86419 176184.42 16434 25867.30 Total 3146002 7765934.84 2884389 7329756.47 2049413 5218372.58 158769 340622.10

STATEMENT - I - C

Progress under Microﬁnance - Bank Loans outstanding against SHGs Agency-wise position as on 31 March 2020 (Amt. R lakh)

Total Outstanding Bank Out of Total -Exclusive Out of Total - Under Out of Total - Under Sr. Loans against SHGs Women SHGs NRLM/SGSY NULM/SJSRY Name of the Agency No. No. of Loan No. of Loan No. of Loan No. of Loan SHGs Outstanding SHGs Outstanding SHGs Outstanding SHGs Outstanding 1 Commercial Banks 3294643 7121582.37 2871024 6529774.68 2032447 4464014.53 166087 335176.95 2 Regional Rural Banks 1849225 3032101.28 1738089 2927285.93 1420076 2077401.51 79527 175698.51 3 Cooperative Banks 533203 653823.59 502992 605010.04 236523 230291.13 21844 35811.53 Total 5677071 10807507.24 5112105 10062070.65 3689046 6771707.17 267458 546686.99

114 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - I - D

Progress under Microﬁnance - Non Performing Assets of Banks against SHG Loans Outstanding Agency-wise position as on 31 March 2020

(Amt. R lakh)

Non Performing Assets of Out of total - Bank loans Out of Total -Exclusive Out of Total - Under Banks against SHG Loans O/S & NPAs against Women SHGs NULM/SJSRY Outstanding NRLM/SGSY Sr. Name of the Agency No. Percentage Percentage Percentage Percentage Amount of of NPAs to Amount of of NPAs to Amount of of NPAs to Amount of NPAs to NPAs Total loans NPAs Total loans NPAs Total loans of NPAs Total loans Outstanding Outstanding Outstanding Outstanding 1 Commercial Banks 360466.90 5.06 297342.77 4.55 138846.50 3.11 16916.70 5.05 2 Regional Rural Banks 132526.97 4.37 108063.24 3.69 90285.69 4.35 4388.03 2.98 3 Cooperative Banks 39176.55 5.99 35350.49 5.84 14508.89 6.30 2837.21 2.22 Total 532170.42 4.92 440756.50 4.38 243641.08 3.60 24141.94 4.42

STATEMENT - I - E

Progress under Microﬁnance - Bank Loans to MFIs / MFos during 2019-20 and Loans Outstanding (Amt. R lakh)

Loans disbursed by Banks / FI to Bank Loans Outstanding against MFIs Sr. No. Name of the Agency MFIs / MFOs during the year as on 31 Mar 2020 No.of MFIs Amount No.of MFIs Amount 1 Commercial Banks 3621 1862690.59 9688 2671187.23 2 Regional Rural Banks 8 1306.83 144 2802.68 3 Cooperative Banks 1117 49302.44 5309 51593.03 Total 4746 1913299.86 15141 2725582.94 4 SIDBI 16 109300.00 56 203279.00 Grand Total 4762 2022599.86 15197 2928861.94

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 115 STATEMENT - II - A

Progress under Microﬁnance - Savings of SHGs with Banks Region-wise/ State-wise/ Agency-wise position as on 31 March 2020 (Amt. R lakh) Commercial Banks Regional Rural Banks Cooperative Banks Total Sr. Region / State No. No. of Savings No. of Savings No. of Savings No. of Savings SHGs Amount SHGs Amount SHGs Amount SHGs Amount CENTRAL REGION 1 Chhattisgarh 106697 21481.66 113935 10882.25 13461 1199.19 234093 33563.10 2 Madhya Pradesh 190110 46366.12 169483 26201.00 10626 1633.90 370219 74201.02 3 Uttarakhand 37334 3583.90 26111 4999.72 10528 2105.91 73973 10689.53 4 Uttar Pradesh 162723 33928.44 283694 16683.32 10381 2151.59 456798 52763.35 Total 496864 105360.12 593223 58766.29 44996 7090.59 1135083 171217.00 EASTERN REGION 1 Andaman & Nicobar 1009 142.51 0 0.00 5229 1377.69 6238 1520.20 2 Bihar 371591 83220.96 426349 39801.99 33 2.11 797973 123025.06 3 Jharkhand 161046 23469.07 103431 4731.00 2050 85.34 266527 28285.41 4 Odisha 394263 93864.29 216844 55953.73 92300 31319.18 703407 181137.20 5 West Bengal 547701 122201.24 297319 149285.00 191965 58878.62 1036985 330364.86 Total 1475610 322898.07 1043943 249771.72 291577 91662.94 2811130 664332.73 NORTH EASTERN REGION 1 Arunachal Pradesh 2686 792.33 3376 541.89 0 0.00 6062 1334.22 2 Assam 138375 10801.36 284479 19987.66 26334 295.67 449188 31084.69 3 Manipur 5185 446.79 2005 63.01 1518 270.83 8708 780.63 4 Meghalaya 3471 433.62 17594 2985.64 0 0.00 21065 3419.26 5 Mizoram 623 117.85 11452 1991.22 0 0.00 12075 2109.07 6 Nagaland 6211 707.84 1475 327.46 0 0.00 7686 1035.30 7 Sikkim 4648 1497.37 0 0.00 1486 383.47 6134 1880.84 8 Tripura 11313 1780.26 34668 4716.28 0 0.00 45981 6496.54 Total 172512 16577.42 355049 30613.16 29338 949.97 556899 48140.55 NORTHERN REGION 1 Chandigarh 5897 681.95 0 0.00 46 6.21 5943 688.16 2 Haryana 36408 4247.27 21369 2320.68 4539 468.26 62316 7036.21 3 Himachal Pradesh 20863 2726.13 10657 1895.00 27352 2887.38 58872 7508.51 4 Jammu and Kashmir 2228 188.21 2896 574.95 929 27.68 6053 790.84 5 New Delhi 3525 1161.00 0 0.00 254 72.07 3779 1233.07 6 Punjab 27150 2804.98 12818 939.49 7551 775.46 47519 4519.93 7 Rajasthan 162833 18671.28 138161 13630.36 91646 5471.37 392640 37773.01 Total 258904 30480.82 185901 19360.48 132317 9708.43 577122 59549.73 SOUTHERN REGION 1 Andhra Pradesh 699889 518974.81 219836 146672.02 16106 12321.12 935831 677967.95 2 Karnataka 415246 84943.95 201109 17160.23 258181 49333.20 874536 151437.38 3 Kerala 288448 104572.92 67953 12097.70 63937 14387.87 420338 131058.49 4 Lakshadweep UT 179 22.15 0 0.00 0 0.00 179 22.15 5 Puducherry 8929 5711.45 6767 1087.39 1027 386.20 16723 7185.04 6 Tamil Nadu 600999 136344.97 93572 8187.15 177958 25395.65 872529 169927.77 7 Telangana 263737 117988.11 293716 211036.88 11647 3460.97 569100 332485.96 Total 2277427 968558.36 882953 396241.37 528856 105285.01 3689236 1470084.74 WESTERN REGION 1 Daman and Diu UT 7381 3562.23 0 0.00 0 0.00 7381 3562.23 2 D And N Haveli UT 40 11.12 0 0.00 0 0.00 40 11.12 3 Goa 5319 2760.76 0 0.00 3825 1446.38 9144 4207.14 4 Gujarat 193186 24605.24 60058 7570.34 36888 3479.54 290132 35655.12 5 Maharashtra 586590 91403.79 140752 18803.81 439814 48236.93 1167156 158444.53 Total 792516 122343.14 200810 26374.15 480527 53162.85 1473853 201880.14 Grand Total 5473833 1566217.93 3261879 781127.17 1507611 267859.79 10243323 2615204.89

116 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - II - B

Progress under Microﬁnance - Bank Loans disbursed during the year 2019-20 Region-wise/ State-wise/ Agency-wise position (Amt. R lakh) Commercial Banks Regional Rural Banks Cooperative Banks Total Sr. Loans Loans Loans Loans Region/ State No. of No. of No. of No. of No. Disbursed Disbursed Disbursed Disbursed SHGs SHGs SHGs SHGs Amount Amount Amount Amount CENTRAL REGION 1 Chhattisgarh 19539 23851.26 17087 24181.85 2174 2003.30 38800 50036.41 2 Madhya Pradesh 22486 21650.18 25795 11571.02 107 39.35 48388 33260.55 3 Uttarakhand 2225 1747.86 2339 1344.76 1782 1090.96 6346 4183.58 4 Uttar Pradesh 8591 5420.63 8808 11247.69 141 100.63 17540 16768.95 Total 52841 52669.93 54029 48345.32 4204 3234.24 111074 104249.49 EASTERN REGION 1 Andaman & Nicobar 31 82.65 0 0.00 227 490.21 258 572.86 2 Bihar 157590 196734.75 108407 286963.00 0 0.00 265997 483697.75 3 Jharkhand 34082 30661.27 23352 19714.00 181 195.10 57615 50570.37 4 Odisha 88844 139852.15 40917 77415.12 13150 19066.89 142911 236334.16 5 West Bengal 208353 366275.37 359429 546279.99 88954 101344.64 656736 1013900.00 Total 488900 733606.19 532105 930372.11 102512 121096.84 1123517 1785075.14 NORTH EASTERN REGION 1 Arunachal Pradesh 27 46.42 132 156.50 0 0.00 159 202.92 2 Assam 13578 17687.20 14265 25129.85 962 927.84 28805 43744.89 3 Manipur 90 133.54 739 863.39 424 444.60 1253 1441.53 4 Meghalaya 101 110.80 1860 2815.76 0 0.00 1961 2926.56 5 Mizoram 69 130.00 1183 1912.68 0 0.00 1252 2042.68 6 Nagaland 299 398.78 23 85.00 0 0.00 322 483.78 7 Sikkim 706 1182.40 0 0.00 52 68.50 758 1250.90 8 Tripura 714 756.23 2583 5043.54 0 0.00 3297 5799.77 Total 15584 20445.37 20785 36006.72 1438 1440.94 37807 57893.03 NORTHERN REGION 1 Chandigarh 52 43.10 0 0.00 0 0.00 52 43.10 2 Haryana 6474 7021.26 2548 3340.68 137 82.02 9159 10443.96 3 Himachal Pradesh 2108 2946.33 1001 1953.00 2401 4148.21 5510 9047.54 4 Jammu and Kashmir 895 1444.75 1301 2834.15 0 0.00 2196 4278.90 5 New Delhi 34 107.98 0 0.00 0 0.00 34 107.98 6 Punjab 1539 1331.33 859 489.83 102 104.53 2500 1925.69 7 Rajasthan 25418 41410.47 16883 16430.32 1153 1005.75 43454 58846.54 Total 36520 54305.22 22592 25047.98 3793 5340.51 62905 84693.71 SOUTHERN REGION 1 Andhra Pradesh 439452 1779154.84 135183 547614.16 5002 22754.11 579637 2349523.11 2 Karnataka 333063 717237.09 82501 160187.23 36374 119984.23 451938 997408.55 3 Kerala 63519 248159.95 9801 44775.51 5294 25481.61 78614 318417.07 4 Lakshadweep UT 5 9.28 0 0.00 0 0.00 5 9.28 5 Puducherry 1264 4230.81 746 3180.05 45 300.84 2055 7711.70 6 Tamil Nadu 116281 465808.03 13748 60345.58 31161 126313.84 161190 652467.45 7 Telangana 156064 608462.83 200090 521476.78 6888 29219.63 363042 1159159.24 Total 1109648 3823062.83 442069 1337579.31 84764 324054.26 1636481 5484696.40 WESTERN REGION 1 Daman and Diu UT 0 0.00 0 0.00 0 0.00 0 0.00 2 D and N HAVELI UT 0 0.00 0 0.00 0 0.00 0 0.00 3 Goa 663 2376.82 0 0.00 69 309.83 732 2686.65 4 Gujarat 7170 8620.43 3946 18776.33 884 1442.17 12000 28838.93 5 Maharashtra 84773 148021.77 18262 27034.46 58451 42745.26 161486 217801.49 Total 92606 159019.02 22208 45810.79 59404 44497.26 174218 249327.07 Grand Total 1796099 4843108.56 1093788 2423162.23 256115 499664.05 3146002 7765934.84

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 117 STATEMENT - II - C

Progress under Microﬁnance - Bank Loans outstanding against SHGs Region-wise/ State-wise/ Agency-wise position as on 31 March 2020 (Amt. R lakh) Commercial Banks Regional Rural Banks Cooperative Banks Total Sr. Region/ State No. No. of Loans O/S No. of Loans O/S No. of Loans O/S No. of Loans O/S SHGs Amount SHGs Amount SHGs Amount SHGs Amount CENTRAL REGION 1 Chhattisgarh 39334 37661.24 38026 23655.00 2861 2029.40 80221 63345.64 2 Madhya Pradesh 61479 40439.89 43345 24785.11 1031 540.24 105855 65765.24 3 Uttarakhand 4910 4311.90 6375 2227.29 5069 2342.30 16354 8881.49 4 Uttar Pradesh 42293 34809.90 106588 51068.28 3155 1226.56 152036 87104.74 Total 148016 117222.93 194334 101735.68 12116 6138.50 354466 225097.11 EASTERN REGION 1 Andaman & Nicobar 201 422.83 0 0.00 962 1024.65 1163 1447.48 2 Bihar 294622 356625.28 392710 339740.55 0 0.00 687332 696365.83 3 Jharkhand 71401 52887.80 40977 28570.00 145 252.69 112523 81710.49 4 Odisha 169617 203821.00 128539 141002.61 31820 24966.28 329976 369789.89 5 West Bengal 394652 534008.10 279256 471073.81 150210 122065.79 824118 1127147.70 Total 930493 1147765.01 841482 980386.97 183137 148309.41 1955112 2276461.39 NORTH EASTERN REGION 1 Arunachal Pradesh 224 168.37 187 165.60 0 0.00 411 333.97 2 Assam 36401 32290.99 61210 46172.36 3713 1398.14 101324 79861.49 3 Manipur 332 354.74 1757 1278.95 573 451.23 2662 2084.92 4 Meghalaya 196 193.99 3332 2483.48 0 0.00 3528 2677.47 5 Mizoram 157 210.54 2475 2980.29 0 0.00 2632 3190.83 6 Nagaland 707 838.51 137 402.95 0 0.00 844 1241.46 7 Sikkim 1392 1468.89 0 0.00 78 63.57 1470 1532.46 8 Tripura 2878 1861.90 15257 10410.05 0 0.00 18135 12271.95 Total 42287 37387.93 84355 63893.68 4364 1912.94 131006 103194.55 NORTHERN REGION 1 Chandigarh 150 138.60 0 0.00 0 0.00 150 138.60 2 Haryana 9556 8380.85 6451 6701.36 1141 557.03 17148 15639.24 3 Himachal Pradesh 4186 5268.75 3493 4131.00 5384 6091.74 13063 15491.49 4 Jammu and Kashmir 1271 1797.75 2121 3021.49 103 51.22 3495 4870.46 5 New Delhi 248 627.61 0 0.00 3 0.53 251 628.14 6 Punjab 3201 11263.34 2861 1412.96 1255 664.95 7317 13341.25 7 Rajasthan 54821 52118.65 22034 13107.39 15236 6880.30 92091 72106.34 Total 73433 79595.55 36960 28374.20 23122 14245.77 133515 122215.52 SOUTHERN REGION 1 Andhra Pradesh 641164 2350245.25 211591 640318.07 13161 30502.02 865916 3021065.34 2 Karnataka 483615 1075864.18 104297 202426.86 78131 137149.73 666043 1415440.77 3 Kerala 193574 469119.27 19691 53880.19 77444 79221.71 290709 602221.17 4 Lakshadweep UT 9 10.08 0 0.00 0 0.00 9 10.08 5 Puducherry 4583 7824.61 1919 4008.51 676 1491.69 7178 13324.81 6 Tamil Nadu 270490 615319.18 30738 67528.23 86869 157416.76 388097 840264.17 7 Telangana 302616 989532.34 281331 848468.76 16964 47100.01 600911 1885101.11 Total 1896051 5507914.91 649567 1816630.62 273245 452881.92 2818863 7777427.45 WESTERN REGION 1 Daman and Diu UT 0 0.00 0 0.00 0 0.00 0 0.00 2 D and N Haveli UT 128 40.95 0 0.00 0 0.00 128 40.95 3 Goa 1388 3600.53 0 0.00 312 624.20 1700 4224.73 4 Gujarat 31912 22053.40 10018 6282.41 6078 1688.57 48008 30024.38 5 Maharashtra 170935 206001.16 32509 34797.72 30829 28022.28 234273 268821.16 Total: 204363 231696.04 42527 41080.13 37219 30335.05 284109 303111.22 Grand Total: 3294643 7121582.37 1849225 3032101.28 533203 653823.59 5677071 10807507.24

118 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - II - D

Progress under Microﬁnance - Non-Performing Assets of Banks against SHGs- Position as on 31 March 2020 (Amt. R lakh) Public Sector Private Sector Regional Rural Cooperative Banks Total Commercial Banks Commercial Banks Banks Amount Amount Amount Amount Amount Sr. Region / NPA as of NPA as NPA as of NPA as NPA as of Gross of Gross of Gross No. State %age Gross %age %age Gross %age %age NPAs NPAs NPAs to Loan NPAs to Loan to Loan NPAs to Loan to Loan against against against OS against OS OS against OS OS SHGs SHGs SHGs SHGs SHGs CENTRAL REGION 1 Chhattisgarh 2929.21 7.88 6.07 1.22 828.00 3.50 239.38 11.80 4002.66 6.32 2 Madhya 8271.89 25.50 378.91 4.73 3814.52 15.39 314.93 58.29 12780.25 19.43 Pradesh 3 Uttarakhand 1132.54 27.07 68.36 53.42 259.89 11.67 937.29 40.02 2398.08 27.00 4 Uttar Pradesh 18809.65 57.63 2126.67 97.96 15350.14 30.06 1145.21 93.37 37431.67 42.97 Total 31143.29 29.26 2580.01 23.88 20252.55 19.91 2636.81 42.96 56612.66 25.15 EASTERN REGION 1 Andaman & 9.06 13.17 15.10 4.27 0.00 0.00 93.50 9.13 117.66 8.13 Nicobar 2 Bihar 16387.40 4.65 0.43 0.01 13383.58 3.94 0.00 0.00 29771.41 4.28 3 Jharkhand 3851.78 7.36 358.10 67.37 1131.00 3.96 19.85 7.86 5360.73 6.56 4 Odisha 18380.15 9.19 817.53 21.02 16976.55 12.04 2280.52 9.13 38454.75 10.40 5 West Bengal 7713.50 1.45 159.57 11.83 13691.77 2.91 6225.89 5.10 27790.73 2.47 Total 46341.89 4.07 1350.73 13.30 45182.90 4.61 8619.76 5.81 101495.28 4.46 NORTH EASTERN REGION 1 Arunachal 81.06 48.14 0.00 0.00 0.00 0.00 0.00 0.00 81.06 24.27 Pradesh 2 Assam 6872.14 21.98 142.99 13.90 14755.55 31.96 502.07 35.91 22272.75 27.89 3 Manipur 66.23 18.67 0.00 0.00 169.06 13.22 0.00 0.00 235.29 11.29 4 Meghalaya 28.31 14.59 0.00 0.00 110.54 4.45 0.00 0.00 138.85 5.19 5 Mizoram 25.51 12.20 0.00 0.00 261.47 8.77 0.00 0.00 286.98 8.99 6 Nagaland 59.96 7.23 0.29 3.15 16.20 4.02 0.00 0.00 76.45 6.16 7 Sikkim 18.63 1.38 0.00 0.00 0.00 0.00 9.08 14.28 27.71 1.81 8 Tripura 1068.92 57.87 0.05 0.34 2726.12 26.19 0.00 0.00 3795.09 30.92 Total 8220.76 22.70 143.33 12.17 18038.94 28.23 511.15 26.72 26914.18 26.08 NORTHERN REGION 1 Chandigarh 3.39 2.45 0.00 0.00 0.00 0.00 0.00 0.00 3.39 2.45 2 Haryana 1799.14 21.60 22.22 43.25 3823.15 57.05 422.48 75.85 6066.99 38.79 3 Himachal 504.17 9.63 0.00 0.00 278.00 6.73 648.29 10.64 1430.46 9.23 Pradesh 4 Jammu and 89.29 4.97 0.00 0.00 142.50 4.72 49.48 96.60 281.27 5.78 Kashmir 5 New Delhi 174.75 27.84 0.00 0.00 0.00 0.00 0.00 0.00 174.75 27.82 6 Punjab 1392.64 12.40 0.19 0.60 191.07 13.52 272.91 41.04 1856.81 13.92 7 Rajasthan 4414.55 18.27 318.69 1.14 2374.81 18.12 4284.95 62.28 11393.00 15.80 Total 8377.93 16.26 341.10 1.22 6809.53 24.00 5678.11 39.86 21206.67 17.35

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 119 STATEMENT - II - D (contd.)

(Amt. R lakh) Public Sector Private Sector Regional Rural Cooperative Banks Total Commercial Banks Commercial Banks Banks Amount Amount Amount Amount Amount Sr. Region / NPA as of NPA as NPA as of NPA as NPA as of Gross of Gross of Gross No. State %age Gross %age %age Gross %age %age NPAs NPAs NPAs to Loan NPAs to Loan to Loan NPAs to Loan to Loan against against against OS against OS OS against OS OS SHGs SHGs SHGs SHGs SHGs SOUTHERN REGION 1 Andhra 27761.83 1.18 124.59 5.98 5311.36 0.83 1039.56 3.41 34237.34 1.13 Pradesh 2 Karnataka 30870.47 3.74 2433.26 0.97 17873.30 8.83 2415.92 1.76 53592.95 3.79 3 Kerala 16348.51 4.92 1419.63 1.04 869.10 1.61 3097.14 3.91 21734.38 3.61 4 Lakshadweep 1.36 13.49 0.00 0.00 0.00 0.00 0.00 0.00 1.36 13.49 UT 5 Puducherry 1578.91 25.79 1.32 0.08 351.97 8.78 342.42 22.96 2274.62 17.07 6 Tamil Nadu 101434.16 22.58 6456.79 3.89 3652.45 5.41 9128.09 5.80 120671.49 14.36 7 Telangana 49938.57 5.10 59.12 0.62 8334.60 0.98 1532.54 3.25 59864.83 3.18 Total 227933.81 4.61 10494.71 1.85 36392.78 2.00 17555.67 3.88 292376.97 3.76 WESTERN REGION 1 Daman and 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Diu UT 2 D and N 3.50 8.55 0.00 0.00 0.00 0.00 0.00 0.00 3.50 8.55 Haveli UT 3Goa 140.90 5.32 1.88 0.20 0.00 0.00 59.26 9.49 202.04 4.78 4 Gujarat 1668.14 9.53 328.50 7.21 1288.43 20.51 416.81 24.68 3701.88 12.33 5 Maharashtra 17891.19 17.01 3505.23 3.48 4561.84 13.11 3698.98 13.20 29657.24 11.03 Total 19703.73 15.72 3835.61 3.61 5850.27 14.24 4175.05 13.76 33564.66 11.07 Grand Total: 341721.41 5.34 18745.49 2.59 132526.97 4.37 39176.55 5.99 532170.42 4.92

120 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I)

Progress under Microﬁnance - Savings of SHGs with Public Sector Commercial Banks as on 31 March 2020

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount CENTRAL REGION CHHATTISGARH 1 Allahabad Bank 1620 16200 345.92 744 160.79 1500 322.13 111 22.92 2 Andhra Bank 146 1752 27.87 143 27.37 106 21.11 37 6.26 3 Bank of Baroda 26182 281954 5102.45 23762 4070.23 19921 3618.98 766 127.67 4 Bank of India 2049 24588 29.00 2049 29.00 1608 23.00 441 6.00 5 Bank of 3464 38103 716.00 3081 581.94 484 140.56 17 4.56 Maharashtra 6 Canara Bank 1945 25413 174.50 1803 161.66 0 0.00 277 6.21 7 Central Bank of 15045 296020 4785.72 610 462.89 610 462.89 1 0.00 India 8 Corporation Bank 218 2180 33.89 142 20.97 84 9.21 13 2.24 9 Indian Bank 536 6968 133.00 531 132.00 206 80.00 65 7.00 10 Indian Overseas 1033 12371 180.48 907 178.85 426 87.04 220 22.67 Bank 11 Oriental Bank of 1987 19870 215.62 1607 183.53 189 25.44 90 13.83 Commerce 12 Punjab and Sind 415 4150 40.54 408 40.44 257 23.12 158 17.42 Bank 13 Punjab National 11090 110900 3247.67 10780 3090.84 71 43.34 7 1.14 Bank 14 State Bank of India 23131 286363 4063.00 16886 2966.00 17810 2965.00 1620 326.00 15 Syndicate Bank 879 8799 82.00 592 45.00 50 1.00 0 0.00 16 Uco Bank 5978 63959 474.43 4608 423.93 3104 301.56 2608 133.70 17 Union Bank of India 8437 101220 1208.00 6896 826.00 6647 995.00 72 8.00 Total 104155 1300810 20860.09 75549 13401.44 53073 9119.38 6503 705.62 MADHYA PRADESH 1 Allahabad Bank 1290 12920 189.05 149 32.43 1173 179.24 40 3.45 2 Andhra Bank 70 840 17.78 70 17.78 64 16.84 6 0.94 3 Bank of Baroda 15764 174502 19687.53 10296 14165.18 5976 7473.39 303 2029.78 4 Bank of India 20565 214918 5263.00 15945 4002.00 10285 1838.00 6067 2125.00 5 Bank of 7433 82833 1099.90 5806 823.73 243 41.59 5 0.44 Maharashtra 6 Canara Bank 4374 54694 540.38 4140 511.49 1119 162.13 260 4.36 7 Central Bank of India 38317 753260 7398.75 1635 272.17 1635 272.17 5 0.01 8 Corporation Bank 32 320 3.83 16 1.53 10 1.23 2 0.03 9 Indian Bank 1428 18564 478.00 1414 473.00 85 30.00 6 0.00 10 Indian Overseas 16 196 0.26 4 0.26 2 0.05 2 0.21 Bank 11 Oriental Bank of 1360 13600 136.42 1067 116.54 22 2.33 33 1.72 Commerce 12 Punjab and Sind 763 7630 113.97 731 106.55 462 52.18 301 61.79 Bank

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 121 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 13 Punjab National 13739 137390 3554.51 13491 3502.59 44 18.01 1 0.36 Bank 14 State Bank of India 24194 299523 3097.00 17662 2261.00 18630 2261.00 1692 278.00 15 Syndicate Bank 2118 21180 198.00 1358 74.00 955 63.00 798 40.00 16 Uco Bank 10414 116652 372.96 7286 263.16 3696 135.46 6360 206.10 17 Union Bank of India 19171 325856 2489.00 16514 2145.00 16618 2159.00 229 29.00 Total 161048 2234878 44640.34 97584 28768.41 61019 14705.62 16110 4781.19 UTTARAKHAND 1 Allahabad Bank 151 1512 15.79 21 3.56 47 12.57 12 1.73 2 Andhra Bank 7 84 0.68 7 0.68 7 0.68 0 0.00 3 Bank of Baroda 3201 37698 556.34 2342 440.68 661 112.34 31 5.73 4 Bank of India 183 1736 37.00 149 17.00 33 10.00 96 1.00 5 Bank of 2 10 0.13 2 0.13 0 0.00 0 0.00 Maharashtra 6 Canara Bank 1007 18126 139.28 945 130.77 189 29.64 33 1.51 7 Central Bank of 450 8968 144.68 4 2.01 4 2.01 0 0.00 India 8 Corporation Bank 22 220 3.04 22 3.04 20 2.82 2 0.22 9 Indian Bank 30 390 8.00 30 8.00 0 0.00 0 0.00 10 Indian Overseas 112 1191 13.12 95 13.07 8 1.51 0 0.00 Bank 11 Oriental Bank of 1781 17810 153.80 1326 125.75 79 11.14 3 0.29 Commerce 12 Punjab and Sind 614 3070 134.51 598 131.10 555 126.63 59 7.88 Bank 13 Punjab National 5193 51930 1017.06 4928 967.64 23 5.81 0 0.00 Bank 14 State Bank of India 21468 265777 961.00 19107 855.00 16530 858.00 1503 74.00 15 Syndicate Bank 508 5099 105.00 439 71.00 202 34.00 45 18.00 16 Uco Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 17 Union Bank of India 1936 21274 268.56 1799 250.00 1203 168.00 47 6.00 Total 36665 434895 3557.99 31814 3019.43 19561 1375.15 1831 116.36 UTTAR PRADESH 1 Allahabad Bank 5395 53945 763.17 1883 315.86 3356 616.02 336 44.84 2 Andhra Bank 114 1368 47.53 113 47.45 99 45.63 14 1.82 3 Bank of Baroda 36652 422700 10185.90 22137 6269.42 7105 1786.45 994 35.72 4 Bank of India 13904 156954 1234.00 7668 633.00 11453 1081.00 2404 122.00 Bank of 5 714 6034 133.62 591 121.20 12 2.10 1 0.05 Maharashtra 6 Canara Bank 10001 164946 1814.13 9115 1653.17 5393 1256.02 887 15.75 Central Bank of 7 11421 225804 2929.16 327 37.28 327 37.28 11 0.04 India 8 Corporation Bank 68 680 9.08 42 6.88 33 6.01 2 0.00

122 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 9 Indian Bank 1119 14547 303.00 1108 300.00 145 27.00 52 4.00 Indian Overseas 10 318 3775 28.11 223 26.12 78 12.51 4 0.00 Bank Oriental Bank of 11 6080 60800 809.83 3821 697.33 351 58.59 52 14.32 Commerce Punjab and Sind 12 3963 39630 588.82 3725 557.27 3111 543.77 852 45.05 Bank Punjab National 13 18081 180810 5664.97 17515 5304.43 17 2.16 17 7.98 Bank 14 State Bank of India 7167 88728 4288.00 6092 3645.00 5518 3643.00 502 344.00 15 Syndicate Bank 5493 54937 1092.00 2016 651.00 1528 368.00 165 73.00 16 Uco Bank 9674 103968 381.87 8328 331.88 4554 155.58 4502 185.95 17 Union Bank of India 24718 345996 3333.00 18788 2622.00 18569 2597.00 334 39.00 United Bank of 18 1425 14267 162.00 1425 162.00 1402 149.00 4 5.00 India Total 156307 1939889 33768.19 104917 23381.29 63051 12387.12 11133 938.52 Total Central 458175 5910472 102826.61 309864 68570.57 196704 37587.27 35577 6541.69 Region EASTERN REGION ANDAMAN & NICOBAR 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 72 812 10.10 55 8.55 0 0.00 0 0.00 3 Bank of India 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Canara Bank 36 396 11.28 36 11.28 0 0.00 0 0.00 Central Bank of 5 1 20 0.02 0 0.00 0 0.00 0 0.00 India 6 Indian Bank 32 416 3.00 32 3.00 0 0.00 0 0.00 Indian Overseas 7 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 8 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab National 9 2 20 0.01 2 0.01 0 0.00 0 0.00 Bank 10 State Bank of India 601 7441 99.00 511 84.00 463 85.00 0 0.00 11 Syndicate Bank 38 380 5.10 30 2.25 9 1.35 15 1.05 12 Uco Bank 30 326 0.11 21 0.11 0 0.00 30 0.11 13 Union Bank of India 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 812 9811 128.62 687 109.20 472 86.35 45 1.16 BIHAR 1 Allahabad Bank 5858 58564 497.77 3276 329.57 5336 481.70 136 5.98 2 Andhra Bank 5 60 1.20 5 1.20 3 0.52 2 0.68 3 Bank of Baroda 29402 308147 11967.67 27884 11368.09 6789 2774.53 572 289.61 4 Bank of India 8690 109800 5673.00 6868 3932.00 8674 5673.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 123 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 5 Bank of 64 404 6.81 58 5.50 0 0.00 0 0.00 Maharashtra 6 Canara Bank 17971 227984 3807.33 17101 3622.94 3724 1128.15 661 54.23 7 Central Bank of 56171 1090428 10101.31 4124 473.90 4124 473.90 2 0.00 India 8 Corporation Bank 6 60 0.03 6 0.03 6 0.03 0 0.00 9 Indian Bank 3479 45227 1524.00 3444 1509.00 246 122.00 202 58.00 10 Indian Overseas 384 4559 55.89 342 55.34 25 1.03 40 2.69 Bank 11 Oriental Bank of 392 3920 18.92 293 15.69 1 0.04 8 0.22 Commerce 12 Punjab and Sind 100 1000 10.89 94 10.37 23 2.85 77 8.04 Bank 13 Punjab National 51970 519700 11190.75 50424 10805.96 52 11.92 0 0.00 Bank 14 State Bank of India 121674 1506325 28987.00 108290 25798.00 93688 25798.00 8518 2609.00 15 Syndicate Bank 1969 19699 162.50 1319 80.25 905 68.00 30 3.50 16 Uco Bank 51597 595862 6217.65 46588 5579.17 26214 3014.64 1328 32.87 17 Union Bank of India 8846 97330 1200.46 6535 908.04 8322 1134.00 3 0.52 18 United Bank of 6661 66577 562.00 6597 552.00 6072 495.00 157 29.00 India Total 365239 4655646 81985.18 283248 65047.05 164204 41179.31 11736 3094.34 JHARKHAND 1 Allahabad Bank 3144 31485 635.52 1551 296.39 2830 618.84 77 3.66 2 Andhra Bank 22 264 2.83 22 2.83 17 2.70 5 0.13 3 Bank of Baroda 7067 83673 1478.89 5657 1171.13 4684 985.67 27 15.89 4 Bank of India 52541 663857 2599.00 52444 2583.00 41691 879.00 1464 20.00 5 Bank of 208 1040 18.56 19 0.54 0 0.00 0 0.00 Maharashtra 6 Canara Bank 8908 132430 4427.59 8772 4339.35 7834 4363.32 508 10.18 7 Central Bank of 5674 112208 1021.86 159 22.23 159 22.23 0 0.00 India 8 Corporation Bank 32 320 3.61 28 3.59 26 3.59 2 0.00 9 Indian Bank 878 11414 153.00 869 151.00 705 116.00 24 3.00 10 Indian Overseas 293 3704 18.61 284 18.55 178 11.10 2 0.11 Bank 11 Oriental Bank of 383 3830 68.20 276 30.74 0 0.00 1 0.10 Commerce 12 Punjab and Sind 254 2540 19.87 251 19.71 114 6.92 140 12.95 Bank 13 Punjab National 9868 98680 2257.39 9830 2251.77 0 0.00 2 0.00 Bank 14 State Bank of India 45458 562770 7325.00 40913 6592.00 35001 6590.00 3183 661.00 15 Syndicate Bank 985 9868 94.00 495 38.50 344 33.00 0 0.00

124 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 16 Uco Bank 4994 64609 285.35 4317 256.12 3785 205.85 995 58.64 17 Union Bank of India 12443 136851 1356.00 11980 1317.00 10067 1107.00 29 3.00 18 United Bank of 5032 49495 433.00 4983 418.00 4642 378.00 87 14.00 India Total 158184 1969038 22198.28 142850 19512.45 112077 15323.22 6546 802.66 ODISHA 1 Allahabad Bank 4445 44448 1121.28 1873 529.06 4153 1040.33 239 78.35 2 Andhra Bank 6058 72696 1752.76 6007 1746.40 5485 1634.63 522 111.77 3 Bank of Baroda 22563 256744 3798.45 19503 3420.88 11721 2145.56 356 76.45 4 Bank of India 31628 345291 7807.00 31357 7767.00 25439 6245.00 1313 243.00 5 Bank of 68 361 8.01 66 7.20 0 0.00 0 0.00 Maharashtra 6 Canara Bank 18104 319344 5438.28 15928 4824.56 11777 3914.61 554 68.58 7 Central Bank of 10540 208768 3178.43 254 113.60 254 113.60 0 0.00 India 8 Corporation Bank 261 2610 79.29 193 58.61 164 46.18 5 0.18 9 Indian Bank 12324 160212 4022.00 12201 3982.00 8828 2878.00 190 85.00 10 Indian Overseas 7521 94555 2201.72 6950 2182.97 4360 1482.26 394 58.49 Bank 11 Oriental Bank of 1733 17330 275.37 1504 225.42 122 38.35 69 24.15 Commerce 12 Punjab and Sind 483 4830 102.10 479 101.59 213 40.32 270 61.78 Bank 13 Punjab National 14604 146040 4196.29 14322 4158.12 45 13.62 2 0.69 Bank 14 State Bank of India 143349 1774662 36034.00 129015 32431.00 110378 32429.00 10035 3244.00 15 Syndicate Bank 4867 48678 758.00 3496 448.00 1333 187.00 106 26.00 16 Uco Bank 72860 834649 19440.71 62733 17517.54 54060 15003.47 8770 749.05 17 Union Bank of India 17014 238196 2126.00 15212 1888.00 12247 1473.00 0 0.00 18 United Bank of 0 0 0.00 0 0.00 0 0.00 0 0.00 India Total 368422 4569414 92339.69 321093 81401.95 250579 68684.93 22825 4827.49 WEST BENGAL 1 Allahabad Bank 50572 505650 17427.68 28304 9252.53 48336 16738.61 1926 632.75 2 Andhra Bank 418 5016 109.16 417 108.81 296 72.77 121 36.04 3 Bank of Baroda 14816 158957 2735.89 13375 2290.76 9765 1805.42 351 13.86 4 Bank of India 24855 241351 2139.00 23638 2123.00 19587 1183.00 1958 101.00 5 Bank of 28 238 178.10 23 177.67 1 0.55 0 0.00 Maharashtra 6 Canara Bank 15334 237186 3687.94 13692 3306.55 6725 1785.33 776 28.59

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 125 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 7 Central Bank of 50534 973192 16148.36 4686 1517.33 4686 1517.33 0 0.00 India 8 Corporation Bank 83 830 140.80 73 13.63 26 2.51 18 46.06 9 Indian Bank 3110 40430 1162.00 3079 1150.00 2132 922.00 165 16.00 10 Indian Overseas 3346 38986 1013.87 3015 1001.42 955 402.09 542 91.07 Bank 11 Oriental Bank of 2211 22110 337.99 1813 302.67 205 50.68 108 32.39 Commerce 12 Punjab and Sind 541 5410 64.32 532 62.92 53 4.55 488 59.77 Bank 13 Punjab National 27673 276730 14756.08 27285 14583.94 185 155.97 23 7.17 Bank 14 State Bank of India 99270 1228963 23344.00 84380 19842.00 76437 19842.00 6949 2101.00 15 Syndicate Bank 5809 58108 170.00 4173 83.00 3043 55.00 55 11.50 16 Uco Bank 80437 857096 22749.26 70456 20106.25 45510 15278.35 9337 1299.00 17 Union Bank of India 19437 272076 2713.00 12485 1747.00 13910 1947.00 47 6.00 18 United Bank of 140565 1430729 12508.00 139938 12417.00 135348 12259.00 778 98.00 India Total 539039 6353058 121385.45 431364 90086.48 367200 74022.16 23642 4580.20 Total Eastern 1431696 17556967 318037.22 1179242 256157.13 894532 199295.97 64794 13305.85 Region NORTH EASTERN REGION ARUNACHAL PRADESH 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 171 1922 312.20 65 9.36 159 277.50 0 0.00 3 Bank of India 44 440 23.00 41 21.00 0 0.00 0 0.00 Bank of 4 6 72 0.16 3 0.03 0 0.00 0 0.00 Maharashtra 5 Canara Bank 47 631 8.76 47 8.76 24 0.78 3 0.04 Central Bank of 6 122 2432 8.84 1 0.00 1 0.00 0 0.00 India 7 Indian Bank 18 234 1.00 18 1.00 18 1.00 0 0.00 Indian Overseas 8 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 3 30 0.04 2 0.01 0 0.00 0 0.00 Commerce Punjab and Sind 10 33 165 0.41 33 0.41 33 0.41 0 0.00 Bank Punjab National 11 170 1700 4.30 167 4.19 0 0.00 0 0.00 Bank 12 State Bank of India 2019 24996 415.00 1717 353.00 1554 352.00 0 0.00

126 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 13 Syndicate Bank 48 488 18.50 29 7.65 8 6.50 0 0.00 14 Uco Bank 3 37 0.00 0 0.00 3 0.00 0 0.00 Total 2684 33147 792.21 2123 405.41 1800 638.19 3 0.04 ASSAM 1 Allahabad Bank 2675 26745 298.99 556 64.19 2476 283.38 73 5.81 2 Bank of Baroda 5315 59230 392.30 2928 243.62 1458 92.30 0 0.00 3 Bank of India 494 4940 248.00 333 167.00 381 191.00 0 0.00 4 Bank of Maharashtra 415 3153 64.45 344 61.75 45 27.55 0 0.00 5 Canara Bank 6215 81984 557.28 5902 525.90 1849 241.36 1213 47.45 6 Central Bank of 20896 414936 1743.33 373 39.46 373 39.46 0 0.00 India 7 Corporation Bank 17 170 1.02 10 0.74 8 0.74 1 0.05 8 Indian Bank 2046 26598 263.00 2026 260.00 439 75.00 26 1.00 9 Indian Overseas 515 5474 57.38 462 55.41 52 6.77 10 0.19 Bank 10 Oriental Bank of 722 7220 25.43 347 17.82 7 0.75 0 0.00 Commerce 11 Punjab and Sind 981 4905 73.28 968 72.52 643 50.60 338 22.68 Bank 12 Punjab National 7193 71930 584.84 6808 543.72 1 0.00 0 0.00 Bank 13 State Bank of India 24513 303472 1749.00 19611 1399.00 18875 1400.00 1715 157.00 14 Syndicate Bank 1038 10389 62.00 668 41.00 380 22.00 0 0.00 15 Uco Bank 23924 263462 1832.58 22005 1718.04 20696 1697.17 1127 84.89 16 Union Bank of India 7995 102070 999.13 6335 790.73 6229 746.00 6 0.63 17 United Bank of 24892 248805 1390.00 24748 1377.00 23703 1304.00 154 29.00 India Total 129846 1635483 10342.01 94424 7377.90 77615 6178.08 4663 348.70 MANIPUR 1 Allahabad Bank 1 10 0.32 0 0.00 1 0.32 0 0.00 2 Bank of Baroda 1128 12972 74.05 971 61.03 121 8.37 0 0.00 3 Bank of India 76 639 36.00 66 33.00 0 0.00 0 0.00 4 Bank of Maharashtra 3 15 0.06 3 0.06 0 0.00 0 0.00 5 Canara Bank 117 1478 3.06 117 3.06 26 0.89 4 0.04 6 Central Bank of 491 9788 13.01 4 0.10 4 0.10 0 0.00 India 7 Indian Bank 3 39 6.00 3 6.00 0 0.00 0 0.00 8 Indian Overseas 20 204 1.97 18 1.96 0 0.00 0 0.00 Bank

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 127 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 9 Oriental Bank of 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 10 Punjab and Sind 332 1660 68.14 321 67.93 65 2.02 267 66.12 Bank 11 Punjab National 46 460 1.39 45 1.39 0 0.00 0 0.00 Bank 12 State Bank of India 2773 34331 210.00 2579 195.00 2133 193.00 196 17.00 13 Uco Bank 153 1777 17.04 144 16.65 104 5.73 6 0.01 Total 5143 63373 431.04 4271 386.18 2454 210.43 473 83.17 MEGHALAYA 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 53 630 24.53 39 19.89 19 9.27 0 0.00 3 Bank of India 41 410 21.00 32 16.00 0 0.00 0 0.00 4 Canara Bank 44 607 3.63 44 3.63 0 0.00 1 0.01 5 Central Bank of 44 880 3.16 0 0.00 0 0.00 0 0.00 India 6 Indian Bank 16 208 6.00 16 6.00 0 0.00 0 0.00 7 Indian Overseas 1 10 0.00 1 0.00 0 0.00 0 0.00 Bank 8 Oriental Bank of 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 9 Punjab National 87 870 14.48 86 11.53 0 0.00 0 0.00 Bank 10 State Bank of India 3073 38040 346.00 2673 301.00 2364 300.00 216 28.00 11 Syndicate Bank 7 70 3.82 7 3.82 7 3.82 0 0.00 12 Uco Bank 60 743 3.01 39 1.93 30 1.46 15 0.01 13 Union Bank of India 43 591 2.80 38 2.35 40 2.30 0 0.00 Total 3469 43059 428.43 2975 366.15 2460 316.85 232 28.02 MIZORAM 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 9 83 2.83 5 0.35 7 2.81 0 0.00 3 Bank of India 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Bank of 1 5 0.01 0 0.00 0 0.00 0 0.00 Maharashtra 5 Canara Bank 77 385 4.73 77 4.73 2 0.01 2 0.47 6 Central Bank of 15 300 0.37 0 0.00 0 0.00 0 0.00 India 7 Indian Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 8 Indian Overseas 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank

128 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 9 Oriental Bank of 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 10 Punjab National 1 10 0.02 1 0.02 0 0.00 0 0.00 Bank 11 State Bank of India 335 4147 98.00 312 90.00 257 89.00 24 9.00 12 Syndicate Bank 8 80 1.82 8 1.82 0 0.00 0 0.00 13 Uco Bank 59 664 0.26 30 0.26 6 0.26 53 0.00 Total 505 5674 108.04 433 97.18 272 92.08 79 9.47 NAGALAND 1 Allahabad Bank 1 10 0.20 0 0.00 1 0.20 0 0.00 2 Bank of Baroda 681 7789 54.97 493 39.31 229 18.36 0 0.00 3 Bank of India 117 1170 59.00 84 42.00 0 0.00 0 0.00 4 Bank of Maharashtra 24 120 5.25 21 4.99 0 0.00 0 0.00 5 Canara Bank 186 1910 12.34 183 12.16 0 0.00 46 0.38 6 Central Bank of 757 15140 68.51 0 0.00 0 0.00 0 0.00 India 7 Indian Bank 4 52 1.00 4 1.00 0 0.00 0 0.00 8 Indian Overseas 5 75 0.16 5 0.16 0 0.00 0 0.00 Bank 9 Oriental Bank of 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 10 Punjab and Sind 12 60 0.62 11 0.62 2 0.03 10 0.59 Bank 11 Punjab National 3 30 0.06 3 0.06 0 0.00 0 0.00 Bank 12 State Bank of India 3989 49384 475.00 3391 404.00 3071 403.00 0 0.00 13 Uco Bank 214 2592 6.98 150 5.86 117 0.91 97 6.07 14 Union Bank of India 6 34 0.75 3 0.36 4 0.49 0 0.00 Total 5999 78366 684.84 4348 510.52 3424 422.99 153 7.04 SIKKIM 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 16 174 2.12 12 1.95 3 0.02 1 0.15 3 Bank of India 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Canara Bank 202 2828 63.45 199 62.77 49 9.60 1 0.01 5 Central Bank of 1708 34080 642.28 10 3.17 10 3.17 0 0.00 India 6 Indian Bank 2 26 0.00 2 0.00 2 0.00 0 0.00 7 Indian Overseas 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank 8 Oriental Bank of 24 240 4.16 22 4.14 0 0.00 0 0.00 Commerce

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 129 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 9 Punjab National 2 20 0.84 2 0.84 0 0.00 0 0.00 Bank 10 State Bank of India 1391 17209 500.00 1169 421.00 1071 420.00 0 0.00 11 Syndicate Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 12 Uco Bank 72 889 14.50 46 4.85 12 3.46 48 10.18 13 Union Bank of India 641 4686 76.32 621 74.00 628 74.84 0 0.00 Total 4058 60152 1303.67 2083 572.72 1775 511.09 50 10.34 TRIPURA 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 131 1439 22.95 89 17.04 101 17.56 0 0.00 3 Bank of India 315 3150 158.00 304 152.00 30 15.00 0 0.00 4 Bank of 26 130 2.40 25 2.36 0 0.00 1 0.12 Maharashtra 5 Canara Bank 798 9576 202.58 796 202.01 651 169.02 2 0.04 6 Central Bank of 207 4140 42.11 0 0.00 0 0.00 0 0.00 India 7 Indian Bank 1 13 0.00 1 0.00 1 0.00 0 0.00 8 Indian Overseas 1 12 0.00 0 0.00 0 0.00 0 0.00 Bank 9 Oriental Bank of 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 10 Punjab and Sind 68 680 18.88 66 18.84 68 18.88 0 0.00 Bank 11 Punjab National 1 10 0.06 1 0.06 0 0.00 0 0.00 Bank 12 State Bank of India 2062 25503 297.00 1772 255.00 1585 255.00 23 3.00 13 Uco Bank 817 9628 96.42 772 92.82 526 77.65 246 17.13 14 Union Bank of India 50 548 1.70 49 1.65 49 1.65 0 0.00 15 United Bank of 6116 61198 751.00 6065 726.00 5882 693.00 81 19.00 India Total 10593 116027 1593.10 9940 1467.78 8893 1247.76 353 39.29 Total North 162297 2035281 15683.34 120597 11183.84 98693 9617.47 6006 526.07 Eastern Region NORTHERN REGION CHANDIGARH 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 1897 22187 155.21 530 62.04 332 15.67 56 8.24 3 Bank of India 512 5313 39.52 285 23.56 137 13.97 58 2.83 4 Bank of 3 15 0.54 3 0.54 0 0.00 0 0.00 Maharashtra

130 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 5 Canara Bank 2687 13806 425.16 2438 385.79 2634 425.05 0 0.00 6 Central Bank of 23 460 0.26 0 0.00 0 0.00 0 0.00 India 7 Indian Bank 1 13 0.00 1 0.00 0 0.00 0 0.00 8 Indian Overseas 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank 9 Oriental Bank of 19 190 0.90 13 0.15 0 0.00 0 0.00 Commerce 10 Punjab and Sind 69 690 5.59 68 5.14 54 4.29 15 1.30 Bank 11 Punjab National 87 870 6.20 86 6.20 0 0.00 0 0.00 Bank 12 State Bank of India 84 1040 7.00 0 6.00 64 7.00 6 0.00 13 Uco Bank 15 177 0.73 12 0.73 0 0.00 15 0.73 14 Union Bank of India 140 2017 21.45 117 17.87 124 19.72 9 0.86 Total 5537 46778 662.56 3553 508.02 3345 485.70 159 13.96 HARYANA 1 Allahabad Bank 131 1319 17.84 93 15.24 108 15.87 12 1.51 2 Andhra Bank 88 1056 12.75 88 12.75 82 11.54 6 1.21 3 Bank of Baroda 971 11267 154.68 716 120.14 330 53.92 0 0.00 4 Bank of India 366 3344 19.00 202 13.00 97 9.00 47 2.00 5 Bank of 90 737 6.15 84 5.40 8 0.48 1 0.01 Maharashtra 6 Canara Bank 1818 25452 219.93 1638 198.12 767 114.65 81 6.42 7 Central Bank of 1700 33744 187.96 32 4.69 32 4.69 0 0.00 India 8 Corporation Bank 117 1170 17.55 82 10.32 76 10.27 2 0.03 9 Indian Bank 273 3549 100.00 270 99.00 80 27.00 2 0.00 10 Indian Overseas 74 915 6.32 58 5.75 0 0.00 14 1.12 Bank 11 Oriental Bank of 4253 42530 435.19 3321 374.41 380 43.40 36 3.67 Commerce 12 Punjab and Sind 1709 17090 141.31 1620 121.17 1503 124.61 206 16.70 Bank 13 Punjab National 13245 132450 1655.89 13127 1640.52 112 8.51 3 0.06 Bank 14 State Bank of India 6988 86512 828.00 6080 712.00 5379 721.00 490 65.00 15 Syndicate Bank 1135 11350 162.00 602 72.00 385 58.00 75 20.00 16 Uco Bank 1409 16084 74.50 1061 61.96 567 37.91 789 31.61 17 Union Bank of India 1222 14664 169.00 747 104.00 750 105.00 0 0.00 Total 35589 403233 4208.07 29821 3570.47 10656 1345.85 1764 149.34

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 131 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount HIMACHAL PRADESH 1 Allahabad Bank 19 189 2.12 12 1.12 7 1.22 9 0.81 2 Andhra Bank 1 12 0.00 1 0.00 0 0.00 1 0.00 3 Bank of Baroda 191 2025 34.45 158 26.89 45 7.86 0 0.00 4 Bank of India 146 1724 20.00 83 10.00 40 4.00 11 2.00 5 Bank of 30 353 4.49 26 4.35 8 1.06 0 0.00 Maharashtra 6 Canara Bank 854 12304 123.72 726 105.17 470 84.44 67 1.07 7 Central Bank of 828 16296 123.71 33 3.79 33 3.79 0 0.00 India 8 Corporation Bank 3 30 0.14 3 0.14 2 0.12 1 0.02 9 Indian Bank 77 1001 11.00 76 11.00 63 8.00 3 1.00 10 Indian Overseas 9 90 0.30 9 0.30 0 0.00 0 0.00 Bank 11 Oriental Bank of 262 2620 61.63 202 27.65 5 0.99 5 0.65 Commerce 12 Punjab and Sind 271 1355 35.69 260 34.85 267 35.53 4 0.16 Bank 13 Punjab National 7550 75500 1089.90 7296 1041.73 38 3.78 4 0.77 Bank 14 State Bank of India 6570 81338 770.00 6505 762.00 5058 762.00 460 8.00 15 Syndicate Bank 75 750 35.50 62 20.50 13 8.00 10 6.00 16 Uco Bank 3485 38537 365.02 2110 251.03 2618 298.50 353 40.18 17 Union Bank of India 303 4249 23.42 197 15.30 300 23.00 0 0.00 Total 20674 238373 2701.09 17759 2315.82 8967 1242.29 928 60.66 JAMMU AND KASHMIR 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 1 9 0.02 1 0.02 1 0.02 0 0.00 3 Bank of India 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Bank of 0 0 0.00 0 0.00 0 0.00 0 0.00 Maharashtra 5 Canara Bank 74 881 2.73 69 2.57 9 0.26 2 0.02 6 Central Bank of 192 3832 17.02 1 0.00 1 0.00 0 0.00 India 7 Corporation Bank 21 210 4.73 14 3.10 14 3.10 0 0.00 8 Indian Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 9 Indian Overseas 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank 10 Oriental Bank of 46 460 1.33 37 1.17 0 0.00 0 0.00 Commerce

132 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 11 Punjab and Sind 19 95 1.65 12 1.61 14 0.56 5 1.09 Bank 12 Punjab National 1046 10460 86.06 1032 84.13 0 0.00 0 0.00 Bank 13 State Bank of India 619 7652 47.00 526 40.00 475 39.00 44 4.00 14 Uco Bank 204 2488 27.33 146 25.09 9 0.02 192 27.31 15 Union Bank of India 3 39 0.34 3 0.34 2 0.22 0 0.00 Total 2225 26126 188.21 1841 158.03 525 43.18 243 32.42 NEW DELHI 1 Allahabad Bank 1 10 0.16 0 0.00 1 0.16 0 0.00 2 Andhra Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of Baroda 625 6801 261.93 393 197.39 236 98.41 8 3.13 4 Bank of India 14 224 3.89 14 3.89 0 0.00 0 0.00 5 Bank of 88 748 34.42 60 28.92 0 0.00 0 0.00 Maharashtra 6 Canara Bank 367 5505 47.77 339 44.04 0 0.00 5 0.23 7 Central Bank of 198 3952 22.54 1 0.00 1 0.00 0 0.00 India 8 Corporation Bank 38 380 0.87 31 0.74 0 0.00 0 0.00 9 Indian Bank 28 364 36.00 28 36.00 0 0.00 0 0.00 10 Indian Overseas 8 117 0.00 7 0.00 0 0.00 0 0.00 Bank 11 Oriental Bank of 195 1950 73.85 151 42.37 0 0.00 0 0.00 Commerce 12 Punjab and Sind 117 1170 22.40 97 20.84 5 0.06 112 22.34 Bank 13 Punjab National 785 7850 308.10 773 306.51 32 12.21 0 0.00 Bank 14 State Bank of India 687 8504 93.00 619 84.00 528 84.00 49 7.00 15 Syndicate Bank 51 510 11.50 42 8.00 0 0.00 0 0.00 16 Uco Bank 5 54 0.13 2 0.06 0 0.00 5 0.13 17 Union Bank of India 251 3166 30.49 248 30.12 155 19.12 3 0.37 Total 3458 41305 947.05 2805 802.88 958 213.96 182 33.20 PUNJAB 1 Allahabad Bank 8 80 1.18 3 1.03 5 1.18 0 0.00 2 Bank of Baroda 483 5542 37.81 309 22.59 219 16.85 0 0.00 3 Bank of India 336 3805 17.00 285 13.00 147 10.00 95 2.00 4 Bank of 89 1005 5.57 78 3.99 0 0.00 0 0.00 Maharashtra

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 133 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 5 Canara Bank 962 11377 74.85 845 65.98 498 44.79 102 1.02 6 Central Bank of 266 5304 50.18 2 0.24 2 0.24 0 0.00 India 7 Corporation Bank 8 80 0.38 7 0.38 5 0.16 0 0.00 8 Indian Bank 198 2574 15.00 185 15.00 56 3.00 6 0.00 9 Indian Overseas 14 151 0.22 11 0.22 0 0.00 0 0.00 Bank 10 Oriental Bank of 2363 23630 155.79 1541 113.31 78 10.01 14 2.21 Commerce 11 Punjab and Sind 7011 70110 991.02 6548 638.08 6205 940.27 806 50.75 Bank 12 Punjab National 4587 45870 412.72 4481 404.54 27 0.75 0 0.00 Bank 13 State Bank of India 8655 107150 503.00 7703 448.00 6664 446.00 606 41.00 14 Syndicate Bank 99 999 383.00 75 326.00 0 0.00 0 0.00 15 Uco Bank 972 11335 47.77 736 40.94 677 23.10 85 20.53 16 Union Bank of India 399 4492 76.74 366 46.74 355 45.00 5 26.40 Total 26450 293504 2772.23 23175 2140.04 14938 1541.35 1719 143.91 RAJASTHAN 1 Allahabad Bank 194 1946 9.89 122 6.41 186 8.91 8 0.98 2 Andhra Bank 70 840 3.85 70 3.85 64 2.66 6 1.19 3 Bank of Baroda 46144 507470 8133.86 40505 7333.49 6245 1128.17 151 63.24 4 Bank of India 2675 28907 446.00 1857 193.00 312 10.00 0 0.00 5 Bank of 234 2227 14.65 218 13.79 0 0.00 0 0.00 Maharashtra 6 Canara Bank 2080 27066 263.36 2016 255.39 417 38.90 116 0.97 7 Central Bank of 7120 140792 898.42 201 30.82 201 30.82 0 0.00 India 8 Corporation Bank 35 350 2.06 17 0.93 13 0.92 0 0.00 9 Indian Bank 326 4238 60.00 323 59.00 125 14.00 3 0.00 10 Indian Overseas 133 1737 12.16 124 12.10 96 11.48 0 0.00 Bank 11 Oriental Bank of 3919 39190 299.36 2970 192.47 63 2.02 13 0.77 Commerce 12 Punjab and Sind 362 3620 15.84 333 13.04 294 10.49 68 5.35 Bank 13 Punjab National 18000 180000 2290.42 17634 2255.80 334 110.99 2 0.00 Bank 14 State Bank of India 15936 197288 1967.00 14343 1770.00 12270 1769.00 1116 158.00 15 Syndicate Bank 801 8010 130.00 515 72.00 268 43.00 50 23.00 16 Uco Bank 7071 76748 311.81 4900 241.41 2845 101.09 4032 181.72

134 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 17 Union Bank Of 3551 46163 600.00 2892 490.00 3046 517.00 75 12.00 India Total 108651 1266592 15458.68 89040 12943.50 26779 3799.45 5640 447.22 Total Northern 202584 2315911 26937.89 167994 22438.76 66168 8671.78 10635 880.71 Region SOUTHERN REGION ANDHRA PRADESH 1 Allahabad Bank 2034 20322 2399.62 490 621.02 1816 2296.78 188 95.93 2 Andhra Bank 176862 2122344 181005.67 175815 180484.41 137260 139850.95 38555 40633.46 3 Bank of Baroda 27101 296024 22653.20 20052 19379.82 9818 8288.30 469 52.43 4 Bank of India 5437 54370 2750.00 5437 2750.00 1413 1300.00 0 0.00 5 Bank of 864 8205 959.84 517 445.73 428 696.71 2 3.28 Maharashtra 6 Canara Bank 36032 572240 5730.62 33419 5354.44 16119 3013.55 439 74.48 7 Central Bank of 9246 172048 8764.38 1609 1907.46 1609 1907.46 2 1.21 India 8 Corporation Bank 12870 128700 11999.73 9892 9576.94 7462 7550.24 1 0.00 9 Indian Bank 66547 865111 62926.00 65882 62297.00 34906 38877.00 99 54.00 10 Indian Overseas 18900 249680 14236.91 18193 14112.99 12829 11442.10 0 0.00 Bank 11 Oriental Bank of 463 4630 278.94 390 261.76 65 81.06 138 104.54 Commerce 12 Punjab and Sind 15 150 3.92 13 0.80 0 0.00 15 3.92 Bank 13 Punjab National 3213 32130 1754.06 3188 1738.56 0 0.00 0 0.00 Bank 14 State Bank of India 202526 2507273 174265.00 194425 167294.00 155946 167295.00 14176 0.00 15 Syndicate Bank 67857 678570 7854.00 62464 7105.00 5896 1425.00 125 45.00 16 Uco Bank 12199 127626 11849.34 10841 10630.29 5477 5346.92 2599 2652.56 17 Union Bank of India 55705 733252 8354.00 45277 6791.00 37821 5672.00 159 24.00 Total 697871 8572675 517785.23 647904 490751.22 428865 395043.07 56967 43744.81 KARNATAKA 1 Allahabad Bank 36 360 7.31 6 2.34 5 2.19 6 0.72 2 Andhra Bank 103 1236 27.36 100 27.17 66 14.31 34 12.86 3 Bank of Baroda 47489 535011 7716.67 31684 5454.91 12089 2236.17 195 127.87 4 Bank of India 4421 50470 1275.00 4303 1201.00 1953 884.00 281 4.00 5 Bank of 875 7889 122.07 726 93.75 1 2.56 5 0.05 Maharashtra 6 Canara Bank 49670 784209 10469.45 45950 9685.28 15465 2445.41 730 74.24 7 Central Bank of 1977 38932 369.36 76 16.99 76 16.99 0 0.00 India

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 135 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 8 Corporation Bank 29304 293040 1171.57 24393 990.12 18749 824.87 41 2.58 9 Indian Bank 1930 25090 527.00 1911 522.00 800 160.00 40 3.00 10 Indian Overseas 2263 27982 379.25 2010 374.47 953 198.43 42 4.86 Bank 11 Oriental Bank of 406 4060 53.84 371 48.20 6 3.00 4 0.28 Commerce 12 Punjab and Sind 11 110 0.92 7 0.05 1 0.00 10 0.92 Bank 13 Punjab National 716 7160 181.53 695 176.78 0 0.00 0 0.00 Bank 14 State Bank of India 55865 691609 8865.00 51396 8156.00 43015 8155.00 3911 710.00 15 Syndicate Bank 34598 345989 5115.00 28137 3995.00 7311 1140.00 760 947.00 16 Uco Bank 1900 23295 273.91 1336 235.67 267 41.03 985 39.44 17 Union Bank of India 115359 1499641 5765.00 100845 5041.00 91615 4580.00 189 9.00 Total 346923 4336083 42320.24 293946 36020.73 192372 20703.96 7233 1936.82 KERALA 1 Allahabad Bank 40 400 9.65 1 0.48 9 1.77 2 1.16 2 Andhra Bank 243 2916 69.67 238 65.96 174 42.34 64 23.62 3 Bank of Baroda 13323 140770 9975.11 8597 6833.95 9721 7375.60 150 101.75 4 Bank of India 13062 182860 1617.00 11799 1329.00 1349 348.00 154 114.00 5 Bank of 83 415 20.87 60 10.12 0 0.00 0 0.00 Maharashtra 6 Canara Bank 54991 800085 12229.72 50285 11182.06 28530 6582.68 1055 359.85 7 Central Bank of 15805 313060 3662.34 380 84.91 380 84.91 3 0.07 India 8 Corporation Bank 1922 19220 345.43 1619 286.38 1180 215.58 3 0.02 9 Indian Bank 15053 195689 5001.00 14902 4951.00 984 440.00 1894 27.00 10 Indian Overseas 7513 81036 1882.46 6151 1804.93 430 128.80 1066 189.05 Bank 11 Oriental Bank of 193 1930 6.38 183 5.57 0 0.00 7 0.15 Commerce 12 Punjab and Sind 4 40 0.13 4 0.13 0 0.00 4 0.13 Bank 13 Punjab National 12041 120410 1805.80 11826 1765.96 44 5.19 2 0.01 Bank 14 State Bank of India 6732 83343 938.00 5992 835.00 5182 833.00 472 76.00 15 Syndicate Bank 5023 50230 1198.00 3310 598.00 552 155.00 60 18.50 16 Uco Bank 2819 33005 556.86 2174 496.34 1148 315.16 841 37.54 17 Union Bank of India 63712 764520 2558.25 54518 2179.00 54038 2161.25 42 2.00 Total 212559 2789929 41876.67 172039 32428.79 103721 18689.28 5819 950.85

136 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount LAKSHADWEEP UT 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0 0.00 0 0.00 0 0.00 0 0.00 3 Central Bank of 1 20 0.03 0 0.00 0 0.00 0 0.00 India 4 Indian Overseas 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank 5 Oriental Bank of 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 6 State Bank of India 0 0 0.00 0 0.00 0 0.00 0 0.00 7 Syndicate Bank 175 1750 21.50 175 21.50 0 0.00 0 0.00 8 Uco Bank 3 41 0.62 3 0.62 3 0.62 0 0.00 Total 179 1811 22.15 178 22.12 3 0.62 0 0.00 PUDUCHERRY 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Andhra Bank 84 1008 64.88 83 64.86 18 11.78 65 53.08 3 Bank of Baroda 625 7376 75.63 489 69.19 546 65.86 0 0.00 4 Bank of India 185 2361 2793.00 117 2756.00 0 1300.00 0 0.00 5 Canara Bank 429 5148 546.02 395 502.34 264 517.30 5 0.12 6 Central Bank of 144 2880 1.65 0 0.00 0 0.00 0 0.00 India 7 Corporation Bank 252 2520 13.44 199 8.02 198 7.35 1 0.67 8 Indian Bank 2551 33163 844.00 2525 836.00 2004 561.00 314 254.00 9 Indian Overseas 387 4760 117.08 377 117.06 205 26.58 10 2.99 Bank 10 Oriental Bank of 8 80 0.68 6 0.43 0 0.00 0 0.00 Commerce 11 Punjab and Sind 3 30 3.07 3 3.07 0 0.00 3 3.07 Bank 12 Punjab National 77 770 1.96 77 1.96 0 0.00 0 0.00 Bank 13 State Bank of India 686 8493 140.00 549 112.00 527 111.00 49 12.00 14 Syndicate Bank 104 1040 21.00 98 18.00 0 0.00 0 0.00 15 Uco Bank 1023 12406 87.96 651 76.41 134 42.49 652 11.19 16 Union Bank of India 357 3642 13.96 285 11.70 350 13.00 0 0.00 Total 6915 85677 4724.33 5854 4577.04 4246 2656.36 1099 337.12 TAMIL NADU 1 Allahabad Bank 138 1392 20.77 42 3.84 66 11.65 10 3.36 2 Andhra Bank 535 6420 99.76 524 97.94 225 45.73 299 52.21 3 Bank of Baroda 18213 213602 1856.78 13887 1306.61 9732 1005.63 642 81.34

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 137 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 4 Bank of India 10885 112125 11610.00 9823 9885.00 541 74.00 179 9.00 5 Bank of 614 4435 222.88 552 216.87 52 0.00 0 0.00 Maharashtra 6 Canara Bank 45986 702814 8274.02 40329 7261.85 11486 2407.10 1032 250.36 7 Central Bank of 14789 287852 1881.75 991 165.62 991 165.62 0 0.00 India 8 Corporation Bank 4001 40010 819.16 3347 687.96 2163 515.08 6 0.29 9 Indian Bank 127154 1653002 43075.00 125882 42644.00 50452 17622.00 5014 348.00 10 Indian Overseas 42697 495695 3736.30 39991 3563.44 11546 830.55 1032 172.75 Bank 11 Oriental Bank of 1865 18650 120.14 1603 109.89 17 6.95 87 18.12 Commerce 12 Punjab and Sind 26 260 1.14 20 1.13 1 0.00 25 1.14 Bank 13 Punjab National 6533 65330 1414.99 6349 1290.63 1 0.02 3 0.13 Bank 14 State Bank of India 58707 726793 3138.00 51663 2761.00 45205 2761.00 4108 251.00 15 Syndicate Bank 11222 112220 588.00 8200 418.00 2194 156.00 95 32.00 16 Uco Bank 4668 49365 373.30 3704 329.26 1126 131.60 810 29.65 17 Union Bank of India 24640 344693 3112.00 22582 2810.00 14148 1697.00 5246 657.00 Total 372673 4834658 80343.99 329489 73553.04 149946 27429.93 18588 1906.35 TELANGANA 1 Allahabad Bank 1001 10010 702.86 382 205.87 963 679.12 19 14.93 2 Andhra Bank 70550 846600 37659.88 70159 37557.28 56378 28640.59 13781 8916.69 3 Bank of Baroda 17303 201349 4102.88 14031 3226.10 9802 2363.67 71 16.89 4 Bank of India 9010 90100 450.78 9010 450.78 3550 168.45 0 0.00 5 Bank of 1075 11780 468.70 772 359.36 411 280.08 5 3.32 Maharashtra 6 Canara Bank 20835 341848 14286.66 19932 13642.04 5852 4515.94 123 15.74 7 Central Bank of 8485 150252 5929.76 2431 1858.69 2431 1858.69 0 0.00 India 8 Corporation Bank 4225 42250 2046.22 3493 1623.80 1636 637.76 9 0.06 9 Indian Bank 17489 227357 14800.00 17314 14652.00 1037 405.00 0 0.00 10 Indian Overseas 7472 97966 2127.06 7154 2033.07 4864 1403.70 152 47.44 Bank 11 Oriental Bank of 266 2660 47.00 234 31.96 1 1.53 22 12.00 Commerce 12 Punjab National 4311 43110 2009.07 4258 1991.95 0 0.00 0 0.00 Bank 13 State Bank of India 57601 713101 20420.00 55297 19603.00 44351 17561.00 4033 1838.00 14 Syndicate Bank 16550 165500 565.00 14297 323.00 1188 127.00 478 56.00

138 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 15 Uco Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 16 Union Bank of India 23255 350317 2789.00 19030 2283.00 17921 2150.00 0 0.00 Total 259428 3294200 108404.87 237794 99841.90 150385 60792.53 18693 10921.07 Total Southern 1896548 23915033 795477.48 1687204 737194.84 1029538 525315.75 108399 59797.02 Region WESTERN REGION DAMAN AND DIU UT 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Indian Bank 15 195 2.00 15 2.00 0 0.00 0 0.00 Indian Overseas 5 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 6 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 7 State Bank of India 56 694 7.00 18 4.00 41 4.00 0 0.00 8 Uco Bank 7310 80492 3553.23 6655 3209.11 2031 1135.06 724 192.09 Total 7381 81381 3562.23 6688 3215.11 2072 1139.06 724 192.09 D AND N HAVELI UT 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank Of Baroda 0 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Canara Bank 16 80 4.49 16 4.49 0 0.00 5 0.23 Indian Overseas 5 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 6 0 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 7 State Bank of India 12 149 4.00 0 2.00 9 4.00 0 0.00 8 Uco Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 28 229 8.49 16 6.49 9 4.00 5 0.23 GOA 1 Allahabad Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 997 10321 671.95 884 588.63 712 480.58 1 3.29 3 Bank of India 1101 15895 417.00 1077 403.00 746 300.00 0 0.00 4 Bank of 178 2136 58.95 168 48.04 3 0.03 0 0.00 Maharashtra 5 Canara Bank 550 7150 170.97 480 150.44 368 124.53 8 1.54 6 Central Bank of 327 6516 102.62 3 0.34 3 0.34 0 0.00 India

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 139 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 7 Corporation Bank 80 800 29.83 64 26.57 64 26.57 0 0.00 8 Indian Bank 40 520 18.00 40 18.00 25 10.00 0 0.00 9 Indian Overseas 63 784 13.80 50 13.08 32 7.49 0 0.00 Bank 10 Oriental Bank of 1 10 0.00 1 0.00 0 0.00 0 0.00 Commerce 11 Punjab National 4 40 0.16 4 0.16 0 0.00 0 0.00 Bank 12 State Bank of India 1024 12676 272.00 912 242.00 788 242.00 0 0.00 13 Syndicate Bank 196 1969 62.00 107 20.00 0 0.00 15 10.00 14 Uco Bank 45 492 8.30 29 8.16 8 0.35 28 0.82 15 Union Bank of India 334 3826 36.00 276 30.00 303 33.00 31 3.00 Total 4940 63135 1861.58 4095 1548.42 3052 1224.89 83 18.65 GUJARAT 1 Allahabad Bank 8 82 0.02 8 0.02 4 0.02 4 0.00 2 Bank of Baroda 99879 1111292 13795.51 95224 12464.24 62519 7989.56 1727 132.50 3 Bank of India 14164 154737 1734.00 11085 1346.00 4701 528.00 287 27.00 4 Bank of 739 6642 222.77 654 215.19 29 2.99 0 0.00 Maharashtra 5 Canara Bank 974 14533 137.37 897 126.44 139 19.44 75 26.04 6 Central Bank of 4382 86296 696.39 168 24.76 168 24.76 0 0.00 India 7 Corporation Bank 113 1130 9.51 79 6.61 75 5.83 2 0.69 8 Indian Bank 1153 14989 360.00 1141 356.00 140 28.00 6 0.00 9 Indian Overseas 154 1781 16.59 139 16.26 15 6.39 8 0.24 Bank 10 Oriental Bank of 242 2420 24.04 195 22.37 0 0.00 0 0.00 Commerce 11 Punjab And Sind 57 570 4.84 23 1.94 4 0.47 53 4.37 Bank 12 Punjab National 1972 19720 218.08 1936 210.12 1 0.04 1 0.06 Bank 13 State Bank of India 37111 459435 3121.00 31174 2622.00 28575 2620.00 2598 282.00 14 Syndicate Bank 998 9980 250.00 383 121.00 105 35.00 35 25.00 15 Uco Bank 1903 21269 184.41 1473 171.68 319 19.64 930 36.90 16 Union Bank of India 11183 190077 2187.40 8690 1737.40 10370 2026.00 32 6.00 Total 175032 2094953 22961.93 153269 19442.03 107164 13306.14 5758 540.80 MAHARASHTRA 1 Allahabad Bank 898 8991 205.06 287 57.02 828 198.73 28 3.59 2 Andhra Bank 413 4956 70.77 405 69.80 313 58.66 92 11.14

140 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (I) (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 141 STATEMENT III- A (I) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount PUBLIC SECTOR COMMERCIAL BANKS - ALL INDIA POSITION 1 Allahabad Bank 79660 796590 24672.17 39803 11898.77 73207 23510.94 3236 922.48 2 Andhra Bank 255789 3069468 220974.40 254267 220336.54 200657 170473.44 53610 49863.10 3 Bank of Baroda 480327 5362094 133720.17 391797 106691.85 214447 56444.43 7653 3361.43 4 Bank of India 272439 3097800 53392.19 242872 46671.23 164048 25811.42 29930 3576.83 5 Bank of 140842 1510806 25949.28 111041 19398.91 8712 2477.31 352 81.17 Maharashtra 6 Canara Bank 318189 4802019 76122.01 291657 70351.56 127084 34133.08 10003 1079.85 7 Central Bank of 323295 6313588 77918.13 19039 7163.89 19039 7163.89 29 1.47 India 8 Corporation Bank 53961 539610 16759.98 43953 13348.17 32126 9886.07 123 53.50 9 Indian Bank 261305 3396965 137187.00 258683 135816.00 104619 62803.00 8377 864.00 10 Indian Overseas 93771 1133844 26193.89 87038 25666.55 37189 16073.21 3576 598.29 Bank 11 Oriental Bank of 32153 321530 3818.24 24078 3123.87 1593 336.69 698 229.70 Commerce 12 Punjab and Sind 18448 173170 2534.10 17435 2102.30 13996 2002.12 4452 531.98 Bank 13 Punjab National 239310 2393100 60564.87 233767 58962.38 1027 392.32 67 18.37 Bank 14 State Bank of India 1068931 13233334 339463.00 951019 313013.00 823047 310964.00 74077 14247.00 15 Syndicate Bank 167211 1672242 19624.24 136963 14875.29 28220 4071.67 3475 1417.55 16 Uco Bank 311531 3470375 69913.00 267350 62357.78 181035 43523.72 51726 6195.57 17 Union Bank of India 454319 6042644 45591.57 376344 36922.40 349946 34371.59 6736 854.78 18 United Bank of 184691 1871071 15806.00 183756 15652.00 177049 15278.00 1261 194.00 India Total All Public Sec. Comm. 4756172 59200250 1350204.24 3930862 1164352.49 2557041 819716.90 259381 84091.07 Banks

142 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (II)

Progress under Microﬁnance - Savings of SHGs with Private Sector Commercial Banks as on 31 March 2020

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount CENTRAL REGION CHHATTISGARH 1 Axis Bank Limited 11 165 7.40 11 7.40 7 5.61 4 1.79 2 Federal Bank Ltd 1 5 0.54 0 0.00 0 0.00 0 0.00 3 Hdfc Bank Ltd. 100 811 104.43 100 104.43 0 0.00 0 0.00 4 ICICI Bank Limited 1 13 0.11 1 0.11 1 0.11 0 0.00 5 IDBI Bank Limited 2367 28404 506.52 1750 431.02 2367 506.52 0 0.00 6 IDFC Bank Limited 1 12 0.00 1 0.00 1 0.00 0 0.00 7 Karnataka Bank Ltd 28 170 2.19 28 2.19 0 0.00 0 0.00 8 Karur Vysya Bank 3 30 0.03 1 0.00 0 0.00 0 0.00 Ltd 9 YES Bank Ltd. 30 356 0.35 30 0.35 0 0.00 0 0.00 Total 2542 29966 621.57 1922 545.50 2376 512.24 4 1.79 MADHYA PRADESH 1 Axis Bank Limited 3 45 0.82 3 0.82 0 0.00 3 0.82 2 Bandhan Bank 56 560 13.39 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 2 10 0.01 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 177 1529 213.69 177 213.69 0 0.00 0 0.00 5 ICICI Bank Limited 26510 344630 1380.98 26510 1380.98 23792 1041.57 2718 339.41 6 Idbi Bank Limited 1542 18504 107.56 1159 67.24 1542 107.56 0 0.00 7 Idfc Bank Limited 4 45 0.40 4 0.40 0 0.00 4 0.40 8 Karnataka Bank Ltd 6 46 0.20 4 0.18 0 0.00 1 0.00 9 South Indian Bank 1 12 0.01 1 0.01 0 0.00 0 0.00 Ltd 10 Yes Bank Ltd. 761 8563 8.72 761 8.72 0 0.00 0 0.00 Total 29062 373944 1725.78 28619 1672.04 25334 1149.13 2726 340.63 UTTARAKHAND 1 Bandhan Bank 7 70 2.73 0 0.00 0 0.00 0 0.00 Limited 2 ICICI Bank Limited 1 13 0.00 1 0.00 1 0.00 0 0.00 3 IDBI Bank Limited 295 3540 16.39 86 4.57 295 16.39 0 0.00 4 Karnataka Bank Ltd 18 157 0.40 9 0.22 0 0.00 0 0.00 5 Nainital Bank Ltd 150 1500 5.62 118 4.42 150 5.62 0 0.00 6 Tamilnad Mercantile 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd 7 YES Bank Ltd. 198 2143 0.77 198 0.77 0 0.00 0 0.00 Total 669 7423 25.91 412 9.98 446 22.01 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 143 STATEMENT III- A (II) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount UTTAR PRADESH 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 157 1570 40.62 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 21 105 0.18 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 0 0 0.00 0 0.00 0 0.00 0 0.00 5 ICICI Bank Limited 5 65 0.19 5 0.19 5 0.19 0 0.00 6 IDBI Bank Limited 3759 45108 66.24 3167 33.29 3759 66.24 0 0.00 7 Karnataka Bank Ltd 43 469 1.31 41 1.23 0 0.00 0 0.00 8 Nainital Bank Ltd 10 100 0.38 5 0.19 10 0.38 0 0.00 9 South Indian Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 10 YES Bank Ltd. 2421 32871 51.33 2421 51.33 0 0.00 0 0.00 Total 6416 80288 160.25 5639 86.23 3774 66.81 0 0.00 TOTAL CENTRAL 38689 491621 2533.51 36592 2313.75 31930 1750.19 2730 342.42 REGION EASTERN REGION ANDAMAN & NICOBAR 1 IDBI Bank Limited 197 2364 13.89 192 13.71 197 13.89 0 0.00 Total 197 2364 13.89 192 13.71 197 13.89 0 0.00 BIHAR 1 Bandhan Bank 63 630 6.40 0 0.00 0 0.00 0 0.00 Limited 2 Federal Bank Ltd 2 10 0.02 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 1 11 0.22 1 0.22 0 0.00 0 0.00 4 ICICI Bank Limited 5586 72618 1176.86 5586 1176.86 5586 1176.86 0 0.00 5 IDBI Bank Limited 515 6180 51.21 404 40.32 515 51.21 0 0.00 6 IDFC Bank Limited 18 216 0.00 18 0.00 18 0.00 0 0.00 7 YES Bank Ltd. 167 2237 1.07 167 1.07 0 0.00 0 0.00 Total 6352 81902 1235.78 6176 1218.47 6119 1228.07 0 0.00 JHARKHAND 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 101 1010 666.94 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 1 5 0.01 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 0 0 0.00 0 0.00 0 0.00 0 0.00 5 ICICI Bank Limited 5 65 0.00 5 0.00 5 0.00 0 0.00 6 IDBI Bank Limited 2586 31032 492.43 1911 170.90 2586 492.43 0 0.00 7 IDFC Bank Limited 48 960 110.02 48 110.02 48 110.02 0 0.00

144 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (II) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 8 Karnataka Bank Ltd 8 66 0.50 4 0.13 0 0.00 0 0.00 9 YES Bank Ltd. 113 1407 0.89 113 0.89 0 0.00 0 0.00 Total 2862 34545 1270.79 2081 281.94 2639 602.45 0 0.00 ODISHA 1 Axis Bank Limited 182 2730 199.25 182 199.25 177 190.28 5 8.97 2 Bandhan Bank 225 2250 53.59 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 322 1610 81.62 0 0.00 4 1.98 0 0.00 4 HDFC Bank Ltd. 90 608 56.66 90 56.66 0 0.00 0 0.00 5 ICICI Bank Limited 7413 96369 825.02 7413 825.02 6471 645.88 942 179.14 6 IDBI Bank Limited 5299 63588 243.87 4929 204.72 5299 243.87 0 0.00 7 Indusind Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 2 19 0.22 2 0.22 0 0.00 0 0.00 9 Karur Vysya Bank 2 20 0.00 0 0.00 0 0.00 0 0.00 Ltd 10 South Indian Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 11 YES Bank Ltd. 12306 141414 64.37 12306 64.37 0 0.00 0 0.00 Total 25841 308608 1524.60 24922 1350.24 11951 1082.01 947 188.11 WEST BENGAL 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 1005 10050 278.13 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 5 25 0.17 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 4 43 9.29 4 9.29 0 0.00 0 0.00 5 ICICI Bank Limited 10 130 4.89 10 4.89 10 4.89 0 0.00 6 IDBI Bank Limited 6759 81108 496.05 4988 379.72 6759 496.05 0 0.00 7 IDFC Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 36 220 1.51 29 1.07 0 0.00 0 0.00 Karur Vysya Bank 9 241 2410 22.45 233 21.43 0 0.00 0 0.00 Ltd South Indian Bank 10 0 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 11 YES Bank Ltd. 602 6277 3.30 602 3.30 0 0.00 0 0.00 Total 8662 100263 815.79 5866 419.70 6769 500.94 0 0.00 Total Eastern 43914 527682 4860.85 39237 3284.06 27675 3427.36 947 188.11 Region

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 145 STATEMENT III- A (II) (contd.)

146 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (II) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount SIKKIM 1 IDBI Bank Limited 587 7044 193.59 531 102.27 587 193.59 0 0.00 2 Karnataka Bank Ltd 3 24 0.11 3 0.11 0 0.00 0 0.00 Total 590 7068 193.70 534 102.38 587 193.59 0 0.00 TRIPURA 1 Bandhan Bank 223 2230 86.76 0 0.00 0 0.00 0 0.00 Limited 2 Federal Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 2 19 0.48 2 0.48 0 0.00 0 0.00 4 IDBI Bank Limited 495 5940 99.92 102 10.38 495 99.92 0 0.00 Total 720 8189 187.16 104 10.86 495 99.92 0 0.00 Total North 10215 118065 894.08 6325 379.14 8144 578.16 0 0.00 Eastern Region NORTHERN REGION CHANDIGARH 1 Bandhan Bank 354 3540 19.26 0 0.00 0 0.00 0 0.00 Limited 2 IDBI Bank Limited 3 36 0.01 1 0.00 3 0.01 0 0.00 3 South Indian Bank 3 36 0.12 3 0.12 0 0.00 0 0.00 Ltd Total 360 3612 19.39 4 0.12 3 0.01 0 0.00 HARYANA 1 Axis Bank Limited 4 60 0.93 4 0.93 4 0.93 0 0.00 2 Bandhan Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 12 60 4.43 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 6 30 2.06 6 2.06 0 0.00 0 0.00 5 ICICI Bank Limited 12 156 0.00 12 0.00 12 0.00 0 0.00 6 IDBI Bank Limited 502 6024 31.48 325 23.86 502 31.48 0 0.00 7 Nainital Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 8 South Indian Bank 2 24 0.00 2 0.00 0 0.00 0 0.00 Ltd 9 YES Bank Ltd. 281 3047 0.30 281 0.30 0 0.00 0 0.00 Total 819 9401 39.20 630 27.15 518 32.41 0 0.00 HIMACHAL PRADESH 1 ICICI Bank Limited 2 26 0.00 2 0.00 2 0.00 0 0.00 2 IDBI Bank Limited 179 2148 25.00 64 9.22 179 25.00 0 0.00 3 YES Bank Ltd. 8 146 0.04 8 0.04 0 0.00 0 0.00 Total 189 2320 25.04 74 9.26 181 25.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 147 STATEMENT III- A (II) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount JAMMU AND KASHMIR 1 ICICI Bank Limited 1 13 0.00 1 0.00 1 0.00 0 0.00 2 IDBI Bank Limited 2 24 0.00 0 0.00 2 0.00 0 0.00 Total 3 37 0.00 1 0.00 3 0.00 0 0.00 NEW DELHI 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 33 330 183.62 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 5 25 11.25 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 0 0 0.00 0 0.00 0 0.00 0 0.00 5 ICICI Bank Limited 3 39 0.02 3 0.02 3 0.02 0 0.00 6 IDBI Bank Limited 7 84 6.00 1 0.01 7 6.00 0 0.00 7 IDFC Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 8 Indusind Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 9 Karnataka Bank Ltd 3 23 13.01 2 13.00 0 0.00 0 0.00 10 Nainital Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 11 South Indian Bank 16 192 0.05 6 0.00 0 0.00 0 0.00 Ltd 12 YES Bank Ltd. 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 67 693 213.95 12 13.03 10 6.02 0 0.00 PUNJAB 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 18 180 0.51 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 18 90 0.44 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 0 0 0.00 0 0.00 0 0.00 0 0.00 5 ICICI Bank Limited 38 494 1.20 38 1.20 38 1.20 0 0.00 6 IDBI Bank Limited 387 4644 20.93 172 9.51 387 20.93 0 0.00 7 South Indian Bank 19 228 8.21 9 6.15 0 0.00 0 0.00 Ltd 8 YES Bank Ltd. 220 2495 1.46 220 1.46 0 0.00 0 0.00 Total 700 8131 32.75 439 18.32 425 22.13 0 0.00 RAJASTHAN 1 Bandhan Bank 180 1800 22.98 0 0.00 0 0.00 0 0.00 Limited 2 City Union Bank 8 40 2.85 8 2.85 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 2 10 0.25 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 35 303 53.09 35 53.09 0 0.00 0 0.00

148 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (II) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 5 ICICI Bank Limited 51209 665717 2951.36 51209 2951.36 49986 2852.81 1223 98.55 6 IDBI Bank Limited 2127 25524 177.25 1740 155.41 2127 177.25 0 0.00 7 IDFC Bank Limited 6 60 0.35 6 0.35 6 0.35 0 0.00 8 Karnataka Bank Ltd 1 8 0.06 0 0.00 0 0.00 0 0.00 9 Nainital Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 10 YES Bank Ltd. 614 7537 4.41 614 4.41 0 0.00 0 0.00 Total 54182 700999 3212.60 53612 3167.47 52119 3030.41 1223 98.55 Total Northern 56320 725193 3542.93 54772 3235.35 53259 3115.98 1223 98.55 Region SOUTHERN REGION ANDHRA PRADESH 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 1 10 0.05 0 0.00 0 0.00 0 0.00 Limited 3 City Union Bank 770 3850 52.36 158 10.89 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 6 30 0.65 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 342 3245 716.64 342 716.64 0 0.00 0 0.00 6 ICICI Bank Limited 14 182 0.41 14 0.41 14 0.41 0 0.00 7 IDBI Bank Limited 178 2136 187.84 106 45.27 178 187.84 0 0.00 8 Karnataka Bank Ltd 516 4924 194.02 419 175.38 0 0.00 0 0.00 9 Karur Vysya Bank 28 280 0.82 4 0.08 0 0.00 0 0.00 Ltd 10 Kotak Mahindra 146 1460 26.49 146 26.49 0 0.00 0 0.00 Bank Ltd. 11 South Indian Bank 13 156 10.04 13 10.04 0 0.00 0 0.00 Ltd 12 Tamilnad Mercantile 4 49 0.26 4 0.26 0 0.00 0 0.00 Bank Ltd Total 2018 16322 1189.58 1206 985.46 192 188.25 0 0.00 KARNATAKA 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 City Union Bank 82 410 8.35 76 7.35 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 405 2025 29.99 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 18598 187096 39612.82 18598 39612.82 0 0.00 0 0.00 6 ICICI Bank Limited 30145 391885 653.87 30145 653.87 29890 614.92 255 38.95 7 IDBI Bank Limited 1965 23580 181.08 1786 155.84 1965 181.08 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 149 STATEMENT III- A (II) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 8 IDFC Bank Limited 4 60 0.49 4 0.49 4 0.49 0 0.00 9 Indusind Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 9057 88374 2012.21 6918 1441.81 24 1.06 38 10.76 11 Karur Vysya Bank 50 500 2.45 31 1.96 0 0.00 0 0.00 Ltd 12 Kotak Mahindra 6 60 0.39 6 0.39 0 0.00 0 0.00 Bank Ltd. 13 Ratnakar Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 14 South Indian Bank 83 996 10.15 67 9.00 0 0.00 0 0.00 Ltd 15 Tamilnad Mercantile 4 49 3.36 4 3.36 0 0.00 0 0.00 Bank Ltd 16 YES Bank Ltd. 7924 89513 108.55 7924 108.55 0 0.00 0 0.00 Total 68323 784548 42623.71 65559 41995.44 31883 797.55 293 49.71 KERALA 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 1 10 0.05 0 0.00 0 0.00 0 0.00 Limited 3 City Union Bank 1 5 0.73 1 0.73 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 17314 86570 2999.27 264 29.11 21 5.60 0 0.00 5 HDFC Bank Ltd. 24364 256782 54328.97 24364 54328.97 0 0.00 0 0.00 6 ICICI Bank Limited 11836 153868 1233.05 11836 1233.05 10619 1043.87 1217 189.18 7 IDBI Bank Limited 8540 102480 887.01 8372 852.00 8539 886.59 1 0.42 8 Karnataka Bank Ltd 68 555 13.56 54 12.31 0 0.00 0 0.00 9 Karur Vysya Bank 6 60 1.46 4 1.12 0 0.00 0 0.00 Ltd 10 South Indian Bank 2061 24732 456.81 1337 303.64 0 0.00 0 0.00 Ltd 11 Tamilnad Mercantile 99 1356 6.67 91 6.57 0 0.00 0 0.00 Bank Ltd 12 The Dhanalakshmi 11518 92144 2768.21 11456 2751.30 824 215.67 2 0.52 Bank Ltd 13 YES Bank Ltd. 81 808 0.46 81 0.46 0 0.00 0 0.00 Total 75889 719370 62696.25 57860 59519.26 20003 2151.73 1220 190.12 LAKSHADWEEP UT 1 IDBI Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0 0.00 0 0.00 0 0.00 0 0.00 PUDUCHERRY 1 City Union Bank 140 700 3.67 130 1.95 0 0.00 0 0.00 Limited

150 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (II) (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 2 Federal Bank Ltd 1 5 2.39 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 378 4018 960.45 378 960.45 0 0.00 0 0.00 4 IDBI Bank Limited 1090 13080 0.97 1031 0.97 1090 0.97 0 0.00 5 Karur Vysya Bank 400 4000 19.59 263 17.90 0 0.00 0 0.00 Ltd 6 Tamilnad Mercantile 5 62 0.05 5 0.05 0 0.00 0 0.00 Bank Ltd Total 2014 21865 987.12 1807 981.32 1090 0.97 0 0.00 TAMIL NADU 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 City Union Bank 10153 50765 384.11 9221 309.67 52 3.17 2 0.76 Limited 4 Federal Bank Ltd 1290 6450 171.65 10 0.09 0 0.00 0 0.00 5 HDFC Bank Ltd. 19879 203282 45603.03 19879 45603.03 0 0.00 0 0.00 6 ICICI Bank Limited 152737 1985581 7679.72 152737 7679.72 141829 6572.60 10908 1107.12 7 IDBI Bank Limited 14183 170196 1249.85 13417 1066.86 14183 1249.85 0 0.00 8 IDFC Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 9 Indusind Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 170 1063 20.45 151 17.95 0 0.00 0 0.00 11 Karur Vysya Bank 11232 112320 402.38 6556 284.75 0 0.00 0 0.00 Ltd 12 Kotak Mahindra 0 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd. 13 South Indian Bank 1971 23652 156.52 1364 97.75 0 0.00 0 0.00 Ltd 14 Tamilnad Mercantile 11070 149580 269.51 10336 247.03 233 3.06 3 0.79 Bank Ltd 15 YES Bank Ltd. 5641 71718 63.76 5641 63.76 0 0.00 0 0.00 Total 228326 2774607 56000.98 219312 55370.61 156297 7828.68 10913 1108.67 TELANGANA 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Bandhan Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 11 55 10.77 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 4109 39858 9415.08 4109 9415.08 0 0.00 0 0.00 5 ICICI Bank Limited 9 117 0.00 9 0.00 9 0.00 0 0.00 6 IDBI Bank Limited 19 228 15.32 13 4.73 19 15.32 0 0.00 7 INDUSIND Bank 0 0 0.00 0 0.00 0 0.00 0 0.00 Ltd

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 151 STATEMENT III- A (II) (contd.)

Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 8 Karnataka Bank Ltd 2 20 0.05 0 0.00 0 0.00 0 0.00 9 Karur Vysya Bank 2 20 7.92 0 0.00 0 0.00 0 0.00 Ltd 10 Kotak Mahindra 34 340 1.23 34 1.23 0 0.00 0 0.00 Bank Ltd. 11 South Indian Bank 123 1476 132.87 115 118.87 0 0.00 0 0.00 Ltd 12 Yes Bank Ltd. 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 4309 42114 9583.24 4280 9539.91 28 15.32 0 0.00 Total Southern 380879 4358826 173080.88 350024 168392.00 209493 10982.50 12426 1348.50 Region WESTERN REGION DAMAN AND DIU UT 1 IDBI Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0 0.00 0 0.00 0 0.00 0 0.00 D AND N HAVELI UT 1 IDBI Bank Limited 12 144 2.63 11 2.55 12 2.63 0 0.00 Total 12 144 2.63 11 2.55 12 2.63 0 0.00 GOA 1 HDFC Bank Ltd. 364 4011 889.60 364 889.60 0 0.00 0 0.00 2 IDBI Bank Limited 12 144 7.97 5 7.95 12 7.97 0 0.00 3 Karnataka Bank Ltd 3 22 1.61 3 1.61 0 0.00 0 0.00 Total 379 4177 899.18 372 899.16 12 7.97 0 0.00 GUJARAT 1 Axis Bank Limited 1 15 0.79 1 0.79 0 0.00 1 0.79 Bandhan Bank 2 10 100 3.61 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 1 5 0.42 1 0.42 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 24 120 3.60 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 499 4725 859.73 499 859.73 0 0.00 0 0.00 6 ICICI Bank Limited 16384 212992 605.00 16384 605.00 12935 286.60 3449 318.40 7 IDBI Bank Limited 1138 13656 167.66 1103 90.91 1138 167.66 0 0.00 8 IDFC Bank Limited 95 535 0.87 95 0.87 0 0.00 0 0.00 9 Karnataka Bank Ltd 1 8 0.22 1 0.22 0 0.00 0 0.00 South Indian Bank 10 1 12 1.41 1 1.41 0 0.00 0 0.00 Ltd 11 YES Bank Ltd. 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 18154 232168 1643.31 18085 1559.35 14073 454.26 3450 319.19

152 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III- A (II) (contd.)

Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount MAHARASHTRA 1 Axis Bank Limited 0 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 10 100 1.66 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 15 75 5.34 7 0.52 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 391 1955 46.03 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 10110 90265 17481.89 10110 17481.89 0 0.00 0 0.00 6 ICICI Bank Limited 122545 1593085 6722.94 122545 6722.94 107581 5215.16 14964 1507.78 7 IDBI Bank Limited 31007 372084 4177.96 26915 3449.07 31007 4177.96 0 0.00 8 IDFC Bank Limited 2 20 0.00 2 0.00 2 0.00 0 0.00 9 Indusind Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 127 1171 32.95 108 28.66 0 0.00 0 0.00 11 Ratnakar Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 12 4 48 2.90 2 1.70 0 0.00 0 0.00 Ltd Tamilnad Mercantile 13 12 174 0.84 12 0.84 0 0.00 0 0.00 Bank Ltd 14 YES Bank Ltd. 4876 60876 83.81 4876 83.81 0 0.00 0 0.00 Total 169099 2119853 28556.32 164577 27769.43 138590 9393.12 14964 1507.78 Total Western 187644 2356342 31101.44 183045 30230.49 152687 9857.98 18414 1826.97 Region Grand Total 717661 8577729 216013.69 669995 207834.79 483188 29712.17 35740 3804.55

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 153 STATEMENT III- A (II) (contd.)

Out of Total SHGs Out of Total SHGs - Details of SHGs Saving linked Out of Total SHGs - - Exclusive Women Under NRLM/SGSY Sr. with Banks Under NULM/SJSRY Name of Bank SHGs Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount PRIVATE SECTOR BANKS ALL INDIA POSITION 1 Axis Bank Limited 202 3030 210.13 202 210.13 189 197.76 13 12.37 Bandhan Bank 2 4185 41850 1567.18 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 11170 55850 457.83 9602 334.38 52 3.17 2 0.76 Limited 4 Federal Bank Ltd 19881 99405 3365.36 274 29.20 25 7.58 0 0.00 5 HDFC Bank Ltd. 79110 797020 170346.67 79110 170346.67 0 0.00 0 0.00 6 ICICI Bank Limited 424469 5518097 23235.62 424469 23235.62 388793 19457.09 35676 3778.53 7 IDBI Bank Limited 92810 1113720 9710.34 79911 7558.69 92809 9709.92 1 0.42 8 IDFC Bank Limited 178 1908 112.13 178 112.13 79 110.86 4 0.40 9 Indusind Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 10092 97339 2294.58 7776 1696.29 24 1.06 39 10.76 Karur Vysya Bank 11 11964 119640 457.10 7092 327.24 0 0.00 0 0.00 Ltd Kotak Mahindra 12 186 1860 28.11 186 28.11 0 0.00 0 0.00 Bank Ltd. 13 Nainital Bank Ltd 160 1600 6.00 123 4.61 160 6.00 0 0.00 14 Ratnakar Bank Ltd 0 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 15 4299 51588 780.15 2921 548.72 0 0.00 0 0.00 Ltd Tamilnad Mercantile 16 11194 151270 280.69 10452 258.11 233 3.06 3 0.79 Bank Ltd The Dhanalakshmi 17 11518 92144 2768.21 11456 2751.30 824 215.67 2 0.52 Bank Ltd 18 YES Bank Ltd. 36243 431408 393.59 36243 393.59 0 0.00 0 0.00 Total All Private Sec. Comm. 717661 8577729 216013.69 669995 207834.79 483188 29712.17 35740 3804.55 Banks Total All Public Sec. Comm. 4756172 59200250 1350204.24 3930862 1164352.49 2557041 819716.90 259381 84091.07 Banks - III A(I) Grand Total Commercial 5473833 67777979 1566217.93 4600857 1372187.29 3040229 849429.07 295121 87895.62 Banks

154 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - III - B

Progress under Microﬁnance - Savings of SHGs with Regional Rural Banks as on 31 March 2020

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Out of Total SHGs Details of SHGs Saving linked - Exclusive Women Under NRLM/SGSY - Under NULM/ Sr. with Banks Name of Bank SHGs Scheme SJSRY No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount CENTRAL REGION CHHATTISGARH Chhattisgarh Rajya 1 113935 1471773 10882.25 105396 8535.66 104962 10673.55 8973 208.70 Gramin Bank Total 113935 1471773 10882.25 105396 8535.66 104962 10673.55 8973 208.70 MADHYA PRADESH Madhyanchal Gramin 1 44012 440120 6483.00 13081 1559.00 29915 4682.00 779 194.00 Bank Madhya Pradesh 2 125471 1265337 19718.00 101667 16529.67 91866 14453.79 2255 678.44 Gramin Bank Total 169483 1705457 26201.00 114748 18088.67 121781 19135.79 3034 872.44 UTTARAKHAND Uttarakhand Gramin 1 26111 214889 4999.72 8284 1892.77 5928 1501.67 408 40.05 Bank Total 26111 214889 4999.72 8284 1892.77 5928 1501.67 408 40.05 UTTAR PRADESH 1 Aryavart Bank 81075 855442 3262.20 35640 1388.90 63644 2667.06 32 1.28 Baroda Uttar 2 Pradesh Gramin 99815 1164766 7728.23 77648 5832.77 75039 5612.92 75 5.60 Bank Kashi Gomti Samyut 3 39130 391300 3551.71 22695 1490.09 29347 2594.33 71 1.70 Gramin Bank Prathama U.p Gramin 4 22269 244959 1948.53 20258 1771.17 18919 1648.24 0 0.00 Bank 5 Purvanchal Bank 41405 414050 192.65 41405 192.65 41405 192.65 0 0.00 Total 283694 3070517 16683.32 197646 10675.58 228354 12715.20 178 8.58 Total Central 593223 6462636 58766.29 426074 39192.68 461025 44026.21 12593 1129.77 Region EASTERN REGION BIHAR Dakshin Bihar 1 222797 2898421 1375.99 222797 1375.99 222797 1375.99 0 0.00 Gramin Bank Uttar Bihar Gramin 2 203552 2163757 38426.00 196123 37907.25 203552 38426.00 0 0.00 Bank Total 426349 5062178 39801.99 418920 39283.24 426349 39801.99 0 0.00 JHARKHAND Jharkhand Rajya 1 103431 1229795 4731.00 95850 3927.00 66714 3514.00 0 0.00 Gramin Bank Total 103431 1229795 4731.00 95850 3927.00 66714 3514.00 0 0.00 ODISHA 1 Odisha Gramya Bank 157309 2024896 32188.97 157309 32188.97 157084 32130.02 225 58.95 2 Utkal Grameen Bank 59535 998283 23764.76 52825 21278.97 57154 22405.42 0 0.00 Total 216844 3023179 55953.73 210134 53467.94 214238 54535.44 225 58.95

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 155 STATEMENT III - B (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Out of Total SHGs Details of SHGs Saving linked - Exclusive Women Under NRLM/SGSY - Under NULM/ Sr. with Banks Name of Bank SHGs Scheme SJSRY No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount WEST BENGAL Bangiya Gramin 1 154318 1670498 88861.42 146340 70036.74 147177 73536.56 7141 15324.86 Vikash Bank Paschim Banga 2 86186 775674 35734.36 82049 34018.89 85460 35433.48 529 219.31 Gramin Bank Uttar Banga 3 Kshetriya Gramin 56815 568302 24689.22 56815 24689.22 32840 12313.51 23975 12375.71 Bank Total 297319 3014474 149285.00 285204 128744.85 265477 121283.55 31645 27919.88 Total Eastern 1043943 12329626 249771.72 1010108 225423.03 972778 219134.98 31870 27978.83 Region NORTH EASTERN REGION ARUNACHAL PRADESH Arunachal Pradesh 1 3376 33760 541.89 3376 541.89 795 125.00 0 0.00 Rural Bank Total 3376 33760 541.89 3376 541.89 795 125.00 0 0.00 ASSAM Assam Gramin 1 284479 3379611 19987.66 158671 14711.44 373 31.06 0 0.00 Vikash Bank Total 284479 3379611 19987.66 158671 14711.44 373 31.06 0 0.00 MANIPUR 1 Manipur Rural Bank 2005 18615 63.01 2005 63.01 1353 43.75 652 19.26 Total 2005 18615 63.01 2005 63.01 1353 43.75 652 19.26 MEGHALAYA Meghalaya Rural 1 17594 179970 2985.64 6046 1294.28 11694 2442.92 0 0.00 Bank Total 17594 179970 2985.64 6046 1294.28 11694 2442.92 0 0.00 MIZORAM 1 Mizoram Rural Bank 11452 91616 1991.22 8119 1748.80 3851 1231.16 432 73.04 Total 11452 91616 1991.22 8119 1748.80 3851 1231.16 432 73.04 NAGALAND 1 Nagaland Rural Bank 1475 14740 327.46 1475 327.46 0 0.00 0 0.00 Total 1475 14740 327.46 1475 327.46 0 0.00 0 0.00 TRIPURA 1 Tripura Gramin Bank 34668 357587 4716.28 22670 3277.01 7721 713.55 0 0.00 Total 34668 357587 4716.28 22670 3277.01 7721 713.55 0 0.00 Total North Eastern 355049 4075899 30613.16 202362 21963.89 25787 4587.44 1084 92.30 Region NORTHERN REGION HARYANA Sarva Haryana 1 21369 223306 2320.68 19182 2163.48 17863 1848.65 308 12.54 Gramin Bank Total 21369 223306 2320.68 19182 2163.48 17863 1848.65 308 12.54

156 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT III - B (contd.)

(Amt. R lakh) Out of Total SHGs Out of Total SHGs - Out of Total SHGs Details of SHGs Saving linked - Exclusive Women Under NRLM/SGSY - Under NULM/ Sr. with Banks Name of Bank SHGs Scheme SJSRY No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount HIMACHAL PRADESH Himachal Pradesh 1 10657 85113 1895.00 10657 1895.00 10657 1895.00 0 0.00 Gramin Bank Total 10657 85113 1895.00 10657 1895.00 10657 1895.00 0 0.00 JAMMU AND KASHMIR 1 Ellaquai Dehati Bank 576 4494 72.30 386 45.35 576 72.30 0 0.00 2 J & K Grameen Bank 2320 18864 502.65 2320 502.65 2054 457.41 15 4.78 Total 2896 23358 574.95 2706 548.00 2630 529.71 15 4.78 PUNJAB 1 Punjab Gramin Bank 12818 114800 939.49 11943 879.15 5255 389.75 0 0.00 Total 12818 114800 939.49 11943 879.15 5255 389.75 0 0.00 RAJASTHAN Baroda Rajasthan 1 93438 847744 9034.00 86767 7511.00 44457 4064.00 2218 433.00 Kshetriya Gramin Bank Rajasthan Marudhara 2 44723 447230 4596.36 40251 4137.14 41368 4320.36 470 47.90 Gramin Bank Total 138161 1294974 13630.36 127018 11648.14 85825 8384.36 2688 480.90 Total Northern 185901 1741551 19360.48 171506 17133.77 122230 13047.47 3011 498.22 Region SOUTHERN REGION ANDHRA PRADESH Andhra Pragathi 1 121193 1211930 76798.95 121193 76798.95 0 0.00 0 0.00 Grameena Bank Chaitanya Godavari 2 49420 494200 48584.13 49420 48584.13 38289 36640.21 0 0.00 Grameena Bank Saptagiri Grameena 3 49223 984460 21288.94 48145 20331.84 38556 16584.89 4764 2390.72 Bank Total 219836 2690590 146672.02 218758 145714.92 76845 53225.10 4764 2390.72 KARNATAKA Karnataka Gramin 1 152227 1674497 11784.00 147508 11498.84 135483 10487.76 2892 223.88 Bank Karnataka Vikas 2 48882 631847 5376.23 47429 5216.20 41529 4567.55 7353 808.68 Grameena Bank Total 201109 2306344 17160.23 194937 16715.04 177012 15055.31 10245 1032.56 KERALA 1 Kerala Gramin Bank 67953 1051218 12097.70 48989 9529.17 9602 3379.28 531 430.97 Total 67953 1051218 12097.70 48989 9529.17 9602 3379.28 531 430.97 PUDUCHERRY Puduvai Bharathiyar 1 6767 94264 1087.39 6695 1051.67 3012 415.36 263 145.32 Grama Bank Total 6767 94264 1087.39 6695 1051.67 3012 415.36 263 145.32

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 157 STATEMENT III - B (contd.)

158 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - III - C

Progress under Microﬁnance - Savings of SHGs with Co-operative Banks as on 31 March 2020

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount CENTRAL REGION CHHATTISGARH 1 Ambikapur DCCB 1729 17982 13.74 1331 12.10 1729 13.74 0 0.00 2 Bilaspur DCCB 834 8340 75.71 834 75.71 2 0.06 0 0.00 3 Durg DCCB 6500 80198 452.56 6314 440.99 6500 452.56 0 0.00 4 Jagdalpur DCCB 3943 47316 629.46 3943 629.46 66 52.40 0 0.00 5 Raipur DCCB 351 3452 26.08 351 26.08 0 0.00 0 0.00 6 Rajnandgaon DCCB 104 1144 1.64 104 1.64 104 1.64 0 0.00 Total 13461 158432 1199.19 12877 1185.98 8401 520.40 0 0.00 MADHYA PRADESH 1 Balaghat DCCB 14 85 0.43 14 0.43 14 0.43 0 0.00 2 Betul DCCB 58 638 2.73 58 2.73 58 2.73 0 0.00 3 Bhind DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Bhopal DCCB 2 20 0.02 0 0.00 0 0.00 0 0.00 5 Chattarpur DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 6 Chhindwara DCCB 391 5474 663.63 391 626.00 391 663.63 0 0.00 7 Damoh DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 8 Datia DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 9 Dewas DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 10 Dhar DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 11 Guna DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 12 Gwalior DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 13 Hoshangabad DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 14 Indore DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 15 Jabalpur DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 16 Jhabua DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 17 Khandwa DCCB 1438 14544 57.96 1243 57.10 12 0.13 0 0.00 18 Khargone DCCB 5648 52840 800.05 4250 401.80 2824 400.80 0 0.00 19 Mandla DCCB 154 1540 0.70 154 0.70 154 0.70 0 0.00 20 Mandsaur DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 21 Morena DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 22 Narsinghpur DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 23 Panna DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 24 Raisen DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 25 Rajgarh DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 26 Ratlam DCCB 2185 26220 76.71 1420 49.86 2185 76.71 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 159 STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 27 Rewa DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 28 Sagar DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 29 Satna DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 30 Sehore DCCB 188 1350 12.57 147 9.03 188 12.57 0 0.00 31 Seoni DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 32 Shahdol DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 33 Shajapur DCCB 538 6456 19.00 382 14.00 538 19.00 0 0.00 34 Shivpuri DCCB 10 100 0.10 10 0.10 10 0.10 0 0.00 35 Sidhi DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 36 Tikamgarh DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 37 Ujjain DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 38 Vidisha DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 10626 109267 1633.90 8069 1161.75 6374 1176.80 0 0.00 UTTARAKHAND 1 Almora DCCB 1860 10636 345.87 812 182.17 1860 345.87 0 0.00 2 Chamoli DCCB 927 5485 143.19 617 106.12 927 143.19 0 0.00 3 Dehradun DCCB 398 3614 30.77 327 23.32 6 0.21 392 30.56 Garhwal (Kotdwar) 4 969 4845 229.68 969 229.68 969 229.68 0 0.00 DCCB 5 Haridwar DCCB 767 8188 137.41 627 114.47 655 132.45 0 0.00 6 Nainital DCCB 113 678 317.07 113 317.07 113 317.07 0 0.00 7 Pithoragarh DCCB 959 4806 497.30 690 352.28 959 497.30 0 0.00 Tehri Garhwal 8 545 3323 27.20 397 19.85 330 16.45 108 5.40 DCCB Udhamsinghnagar 9 1812 18120 162.17 416 32.60 1377 134.60 0 0.00 DCCB 10 Uttarakhand STCB 0 0 0.00 0 0.00 0 0.00 0 0.00 11 Uttarkashi DCCB 2178 10973 215.25 1517 150.76 96 51.71 0 0.00 Total 10528 70668 2105.91 6485 1528.32 7292 1868.53 500 35.96 UTTAR PRADESH 1 Agra DCCB 63 945 5.62 0 0.00 0 0.00 0 0.00 2 Aligarh DCCB 76 777 3.64 15 1.55 0 0.00 0 0.00 3 Allahabad DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Azamgarh DCCB 25 127 2.60 0 0.00 4 0.87 21 1.73 5 Bahrich DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 6 Ballia DCCB 129 1613 10.72 125 10.69 129 10.72 0 0.00 7 Banda DCCB 166 2598 48.90 92 27.10 166 48.90 0 0.00 8 Barabanki DCCB 309 3465 9.75 0 0.00 0 0.00 0 0.00

160 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 9 Bareilly DCCB 73 500 4.80 4 0.00 30 1.32 43 3.48 10 Basti DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 11 Bijnor DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 12 Budaun DCCB 155 1550 514.70 111 368.59 155 514.70 0 0.00 13 Bulandsahar DCCB 649 7143 28.37 649 28.37 649 28.37 0 0.00 14 Deoria DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 15 EtahDCCB 125 1375 12.57 117 9.31 125 12.57 0 0.00 16 Etawah DCCB 553 6986 182.27 431 131.28 553 182.27 0 0.00 17 Farrukhabad DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 18 Fatehpur DCCB 554 4931 8.70 286 4.62 0 0.00 0 0.00 19 Firozabad DCCB 2442 25715 233.23 1653 139.44 421 25.90 0 0.00 20 Ghaziabad DCCB 426 5098 7.45 274 0.56 0 0.00 426 7.45 21 Ghazipur DCCB 22 220 1.66 0 0.00 0 0.00 0 0.00 22 Gorakhpur DCCB 11 174 0.80 11 0.80 11 0.80 0 0.00 23 Hamirpur DCCB 23 345 3.57 5 0.84 23 3.57 0 0.00 24 Hardoi DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 25 Jalaun DCCB 20 150 4.88 14 3.57 14 4.66 6 0.22 26 Jaunpur DCCB 98 1254 9.03 45 5.35 98 9.03 0 0.00 27 Jhansi DCCB 415 4961 780.00 373 628.00 415 780.00 0 0.00 28 Kanpur DCCB 28 233 0.97 9 0.36 0 0.00 0 0.00 Lakhimpur-Khiri 29 811 8110 7.97 551 7.29 326 6.92 448 0.45 DCCB 30 Lalitpur DCCB 424 4296 13.22 120 2.62 212 6.61 0 0.00 31 Lucknow DCCB 2 17 0.04 0 0.04 2 0.04 0 0.00 32 Mainpuri DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 33 Mathura DCCB 486 4838 7.75 292 5.28 43 1.05 0 0.00 34 Meerut DCCB 237 2452 29.15 19 3.14 0 0.00 0 0.00 35 Mirzapur DCCB 128 1378 9.30 86 6.05 128 9.30 0 0.00 36 Muradabad DCCB 11 145 0.56 3 0.56 0 0.00 0 0.00 Muzaffarnagar 37 143 1628 4.10 26 0.68 143 4.10 0 0.00 DCCB 38 Pilibhit DCCB 141 1576 19.33 94 13.68 35 0.45 0 0.00 39 Pratapgarh DCCB 60 704 4.56 60 4.56 30 2.28 0 0.00 40 Raibareilly DCCB 10 100 0.00 6 0.00 0 0.00 0 0.00 41 Rampur DCCB 147 2940 6.24 147 6.24 0 0.00 0 0.00 42 Saharanpur DCCB 1211 11853 126.96 936 101.25 0 0.00 0 0.00 43 Shahjahanpur DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 161 STATEMENT - III - C (contd.)

ANDAMAN & NICOBAR Andaman & Nicobar 1 5229 52290 1377.69 4837 1312.64 0 0.00 338 76.51 STCB Total 5229 52290 1377.69 4837 1312.64 0 0.00 338 76.51 BIHAR 1 Ara DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 2 Aurangabad DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 3 Begusarai DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 4 Bettiah DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 5 Bhagalpur DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 6 Gopalganj DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 7 Katihar DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 8 Khagaria DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 9 Magadh DCCB Gaya 0 0 0.00 0 0.00 0 0.00 0 0.00 Monghyr-Jamui 10 0 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 11 Motihari DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 12 Muzaffarpur DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 13 Nalanda DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 14 Nawadah DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 15 Purnea DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 Rohika Madhubani 16 0 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 17 Samastipur DCCB 33 631 2.11 13 0.49 0 0.00 0 0.00 Sasaram-Bhabua 18 0 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 19 Sitamarhi DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 20 Siwan DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 21 Vaishali DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 33 631 2.11 13 0.49 0 0.00 0 0.00

162 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount JHARKHAND 1 The Dhanbad DCCB 268 3053 14.31 268 14.31 112 3.88 121 6.34 2 The Jharkhand STCB 1782 18034 71.03 1782 71.03 0 0.00 0 0.00 Total 2050 21087 85.34 2050 85.34 112 3.88 121 6.34 ODISHA 1 Angul United DCCB 11814 118140 567.74 11814 567.74 11814 567.74 0 0.00 2 Aska DCCB 2445 43575 48.58 2445 48.58 44 0.23 0 0.00 Balasore Bhadrak 3 14615 146150 2225.31 14615 2225.31 0 0.00 0 0.00 DCCB 4 Banki DCCB 713 8195 19.66 713 19.66 713 19.66 0 0.00 5 Berhampore DCCB 6221 68351 545.24 6221 545.24 3091 269.33 0 0.00 Bhawanipatna 6 388 3880 8.32 388 8.32 388 8.32 0 0.00 DCCB 7 Bolangir DCCB 194 2004 43.61 194 43.61 194 43.61 0 0.00 8 Boudh DCCB 1902 19972 145.12 1902 145.12 0 0.00 0 0.00 9 Cuttack DCCB 9521 142815 528.57 9521 528.57 7698 432.04 1823 96.53 10 Keonjhar DCCB 2114 23254 23254.00 2114 23254.00 2114 23254.00 0 0.00 11 Khurda DCCB 2544 25440 171.98 2544 171.98 0 0.00 0 0.00 12 Koraput DCCB 14272 177857 2078.55 14272 2078.55 1823 220.74 0 0.00 13 Mayurbhanj DCCB 883 10569 99.67 883 99.67 883 99.67 0 0.00 14 Nayagarh DCCB 2831 30162 71.05 2359 68.60 80 1.37 0 0.00 15 Sambalpur DCCB 5302 63624 128.57 5302 128.57 0 0.00 256 4.57 16 Sundargarh DCCB 15170 177055 1330.33 15170 1330.33 12431 1054.84 2739 275.49 United Puri-Nimapara 17 1371 16424 52.88 1371 52.88 1371 52.88 0 0.00 DCCB Total 92300 1077467 31319.18 91828 31316.73 42644 26024.43 4818 376.59 WEST BENGAL 1 Balageria DCCB 3920 36629 132.33 3920 132.33 0 0.00 0 0.00 2 Bankura DCCB 17856 167274 4032.83 17608 3984.59 10947 3629.54 0 0.00 3 Birbhum DCCB 3304 30395 95.90 3304 95.90 0 0.00 0 0.00 4 Burdwan DCCB 11602 104393 1945.41 9755 1642.77 0 0.00 0 0.00 Dakshin Dinajpur 5 2966 32736 686.80 2966 686.80 653 49.81 198 29.77 DCCB 6 Darjeeling DCCB 470 4951 178.84 0 0.00 0 0.00 0 0.00 7 Hooghly DCCB 30088 236173 9476.46 29815 9340.28 0 0.00 0 0.00 8 Howrah DCCB 9546 95066 3140.72 8808 2897.26 0 0.00 0 0.00 9 Jalpaiguri DCCB 2424 24622 640.08 2183 576.09 0 0.00 0 0.00 10 Malda DCCB 7170 74209 523.43 7170 523.43 7170 523.43 0 0.00 11 Mugberia DCCB 8480 69891 3292.20 7969 3173.02 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 163 STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 12 Murshidabad DCCB 21035 198853 6546.25 20535 6400.75 16164 5226.73 0 0.00 13 Nadia DCCB 38700 357029 18206.35 33850 16913.70 0 0.00 0 0.00 14 Purulia DCCB 4921 50247 728.35 4781 719.39 4403 664.26 518 64.09 15 Raiganj DCCB 8558 86146 1688.37 8558 1688.37 2156 189.52 0 0.00 Tamluk Ghatal 16 14813 143488 5377.66 14813 5377.66 0 0.00 0 0.00 DCCB 17 Vidyasagar DCCB 6112 69188 2137.87 5804 2081.76 0 0.00 0 0.00 18 West Bengal STCB 0 0 48.77 0 42.29 0 0.00 0 0.00 Total 191965 1781290 58878.62 181839 56276.39 41493 10283.29 716 93.86 Total Eastern 291577 2932765 91662.94 280567 88991.59 84249 36311.60 5993 553.30 Region NORTH EASTERN REGION ASSAM 1 Assam STCB 26334 267290 295.67 22547 252.75 26334 295.67 0 0.00 Total 26334 267290 295.67 22547 252.75 26334 295.67 0 0.00 MANIPUR 1 Manipur STCB 1518 18216 270.83 0 0.00 0 0.00 0 0.00 Total 1518 18216 270.83 0 0.00 0 0.00 0 0.00 MIZORAM 1 Mizoram STCB 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0 0.00 0 0.00 0 0.00 0 0.00 SIKKIM 1 Sikkim STCB 1486 14860 383.47 1486 383.47 713 229.59 0 0.00 Total 1486 14860 383.47 1486 383.47 713 229.59 0 0.00 Total North 29338 300366 949.97 24033 636.22 27047 525.26 0 0.00 Eastern Region NORTHERN REGION CHANDIGARH 1 Chandigarh STCB 46 598 6.21 0 0.00 0 0.00 0 0.00 Total 46 598 6.21 0 0.00 0 0.00 0 0.00 HARYANA 1 Ambala DCCB 285 3420 39.35 230 32.25 285 39.35 0 0.00 2 Bhiwani DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 3 Faridabad DCCB 132 1158 126.00 132 126.00 126 126.00 6 0.00 4 Fatehabad DCCB 262 2422 20.25 112 9.12 262 20.25 0 0.00 5 Gurgaon DCCB 406 4464 49.43 401 40.26 0 0.00 406 49.43 6 Hissar DCCB 384 4013 12.69 384 0.00 0 0.00 0 0.00 7 Jhajjar DCCB 37 370 1.30 25 0.94 0 0.00 0 0.00

164 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 8 Jind DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 9 Kaithal DCCB 10 100 0.00 10 0.00 10 0.00 0 0.00 10 Karnal DCCB 35 412 5.91 35 5.91 0 0.00 0 0.00 11 Kurukshetra DCCB 115 1262 8.71 112 8.50 115 8.71 0 0.00 12 Mahendragarh DCCB 187 2386 2.95 109 2.09 187 2.95 0 0.00 13 Panchakula DCCB 196 1282 28.28 14 6.03 196 28.28 0 0.00 14 Panipat DCCB 264 2925 18.40 257 17.70 38 3.10 0 0.00 15 Rewari DCCB 276 3115 16.85 275 15.44 31 14.04 0 0.00 16 Rohtak DCCB 253 2644 11.78 8 1.11 14 2.42 0 0.00 17 Sirsa DCCB 177 1841 32.84 156 30.96 177 32.84 0 0.00 18 Sonepat DCCB 849 6467 19.78 615 18.20 0 0.00 0 0.00 19 Yamunanagar DCCB 671 7360 73.74 152 25.98 206 27.01 0 0.00 Total 4539 45641 468.26 3027 340.49 1647 304.95 412 49.43 HIMACHAL PRADESH 1 Jogindra DCCB 3934 33384 399.72 3823 390.14 284 51.12 21 1.71 Himachal Pradesh 2 16000 99584 1656.48 11027 1174.29 1792 198.78 0 0.00 STCB 3 Kangra DCCB 7418 89673 831.18 4545 458.84 2038 83.30 16 0.73 Total 27352 222641 2887.38 19395 2023.27 4114 333.20 37 2.44 JAMMU AND KASHMIR 1 Anantnag DCCB 70 849 1.46 47 0.85 0 0.00 0 0.00 2 Baramulla DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 Jammu & Kashmir 3 730 7858 17.92 690 16.75 730 17.92 0 0.00 STCB 4 Jammu DCCB 129 845 8.30 129 8.30 97 6.90 32 1.40 Total 929 9552 27.68 866 25.90 827 24.82 32 1.40 NEW DELHI 1 Delhi STCB 254 3954 72.07 250 67.37 0 0.00 0 0.00 Total 254 3954 72.07 250 67.37 0 0.00 0 0.00 PUNJAB 1 Amritsar DCCB 198 3091 10.21 185 8.10 0 0.00 0 0.00 2 Bhatinda DCCB 510 5670 10.28 510 10.28 0 0.00 0 0.00 3 Faridkot DCCB 268 3098 11.58 268 11.58 0 0.00 0 0.00 Fatehgarh Sahib 4 740 7400 84.30 740 84.30 0 0.00 0 0.00 DCCB 5 Fazilka DCCB 122 1286 16.31 122 16.31 0 0.00 0 0.00 6 Gurdaspur DCCB 498 4488 37.11 498 37.11 498 37.11 0 0.00 7 Hoshiarpur DCCB 809 10066 53.34 758 49.99 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 165 STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 8 Jalandhar DCCB 727 10170 39.86 726 39.75 0 0.00 0 0.00 9 Kapurthala DCCB 313 3810 16.94 298 16.59 0 0.00 0 0.00 10 Ludhiana DCCB 454 4507 29.23 454 29.23 0 0.00 0 0.00 11 Mansa DCCB 94 950 5.70 94 5.70 0 0.00 0 0.00 12 Moga DCCB 98 1002 7.30 98 7.30 0 0.00 0 0.00 13 Muktsar DCCB 357 3753 14.69 328 12.55 357 14.69 0 0.00 14 Nawanshahr DCCB 414 5081 21.47 414 21.47 0 0.00 0 0.00 15 Patiala DCCB 697 8485 270.78 685 270.22 37 0.10 0 0.00 16 Ropar DCCB 269 4035 51.88 269 51.88 269 51.88 0 0.00 17 Sangrur DDCCB 345 3444 33.60 270 31.12 345 33.60 0 0.00 18 Sas Nagar DCCB 358 3580 44.65 358 44.65 0 0.00 0 0.00 19 Taran Taran DCCB 280 3080 16.23 280 16.23 0 0.00 0 0.00 Total 7551 86996 775.46 7355 764.36 1506 137.38 0 0.00 RAJASTHAN 1 Ajmer DCCB 11022 121202 1367.26 10806 1301.86 5511 683.63 0 0.00 2 Alwar DCCB 5024 50240 57.71 4989 53.63 133 1.35 0 0.00 3 Banswara DCCB 2257 29916 150.00 2257 150.00 1212 150.00 1045 0.00 4 Baran DCCB 2436 24702 63.95 2211 57.90 0 0.00 210 13.44 5 Barmer DCCB 6043 65187 111.45 6043 111.45 0 0.00 0 0.00 6 Bharatpur DCCB 2224 22240 148.34 2224 148.34 0 0.00 0 0.00 7 Bhilwara DCCB 5405 53430 247.30 5351 243.50 110 6.10 0 0.00 8 Bikaner DCCB 635 6615 15.72 379 8.10 19 0.00 0 0.00 9 Bundi DCCB 2732 27510 471.43 2718 463.83 629 289.55 0 0.00 10 Chittorgarh DCCB 2986 31297 101.03 2882 95.68 68 0.68 0 0.00 11 Churu DCCB 2753 29179 76.39 2366 60.18 16 1.82 0 0.00 12 Dausa DCCB 1738 17380 140.16 1563 112.56 16 1.80 0 0.00 13 Dungarpur DCCB 2200 25982 47.10 1998 47.10 395 1.24 0 0.00 14 Ganganagar DCCB 4425 43150 189.95 4425 189.95 2 0.00 0 3.94 Hanumangarh 15 2022 20220 36.57 1819 32.89 0 0.00 0 0.00 DCCB 16 Jaipur DCCB 1188 11971 68.19 1188 68.19 0 0.00 0 0.00 17 Jaisalmer DCCB 1602 16348 48.10 1582 47.25 1602 48.10 0 0.00 18 Jalore DCCB 2360 23362 154.50 2245 117.10 2360 154.50 0 0.00 19 Jhalawar DCCB 2786 28770 203.69 2237 158.29 162 12.52 0 0.00 20 Jhunjhunu DCCB 4537 45370 101.95 4500 101.47 37 0.48 0 0.00 21 Jodhpur DCCB 1807 20188 178.91 1654 151.57 98 12.01 0 0.00 22 Kota DCCB 4089 42835 109.50 3858 109.50 212 26.07 45 5.08

166 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 23 Nagaur DCCB 3774 39077 147.86 3774 147.86 3774 147.86 0 0.00 24 Pali DFCCB 720 7200 286.18 720 286.18 360 143.09 0 0.00 25 Rajasthan STCB 0 0 0.00 0 0.00 0 0.00 0 0.00 Sawai Madhopur 26 2378 24615 206.98 2378 206.98 0 0.00 0 0.00 DCCB 27 Sikar DCCB 3282 32820 285.93 3282 285.93 0 0.00 0 0.00 28 Sirohi DCCB 1931 19171 96.23 1894 94.05 90 6.25 0 0.00 29 Tonk DCCB 554 6054 49.66 205 45.35 356 40.81 198 8.85 30 Udaipur DCCB 6736 70030 309.33 6552 295.11 1221 63.07 0 0.00 Total 91646 956061 5471.37 88100 5191.80 18383 1790.93 1498 31.31 Total Northern 132317 1325443 9708.43 118993 8413.19 26477 2591.28 1979 84.58 Region SOUTHERN REGION ANDHRA PRADESH 1 Anantpur DCCB 1025 10250 721.06 1025 721.06 0 0.00 0 0.00 Andhra Pradesh 2 494 4940 127.89 494 127.89 0 0.00 0 0.00 STCB 3 Chittoor DCCB 413 4130 45.67 413 45.67 0 0.00 0 0.00 4 Eluru DCCB 1756 17560 937.34 1756 937.34 0 0.00 0 0.00 5 Guntur DCCB 1346 10453 2560.87 1344 2558.62 0 0.00 0 0.00 6 Kadapa DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 7 Kakinada DCCB 210 2100 100.20 210 100.20 210 100.20 0 0.00 8 Krishna DCCB 9121 117487 7354.26 9121 7354.26 0 0.00 0 0.00 9 Kurnool DCCB 107 1070 95.62 102 95.62 107 95.62 0 0.00 10 Nellore DCCB 8 88 0.00 8 0.00 0 0.00 0 0.00 11 Prakasam DCCB 666 6660 282.95 666 282.95 0 0.00 0 0.00 12 Srikakulam DCCB 128 1290 30.09 128 30.09 128 30.09 0 0.00 Visakhapatnam 13 832 8447 65.17 832 65.17 832 65.17 0 0.00 DCCB 14 Vizianagaram DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 16106 184475 12321.12 16099 12318.87 1277 291.08 0 0.00 KARNATAKA 1 Bagalkot DCCB 6763 86181 468.04 6583 356.49 1255 95.62 1884 143.54 2 Belagavi DCCB 24002 351991 2425.00 21509 2174.59 21839 1342.52 2163 1082.48 3 Bellary DCCB 7482 96932 491.17 7397 487.20 1051 162.31 0 0.00 4 Bengaluru DCCB 9248 137260 338.42 9010 323.82 8183 233.37 0 0.00 5 Bidar DCCB 28047 414730 12883.09 27648 12798.69 0 0.00 0 0.00 6 Chikmagalur DCCB 13350 161776 1880.00 12952 1484.00 582 48.50 0 0.00 7 Chitradurga DCCB 2901 44905 116.04 2876 115.04 1021 40.84 31 1.24

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 167 STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 8 Dawangere DCCB 2006 25905 640.00 1915 610.10 0 0.00 0 0.00 Gulbarga and Yadgir 9 1004 11044 4.52 1004 4.52 0 0.00 0 0.00 DCCB 10 Hassan DCCB 16256 224842 4390.17 14215 4151.06 3556 960.31 193 21.58 11 Kanara DCCB 8071 96794 1302.14 7128 1128.31 2543 424.62 1923 220.86 Karnataka DCCB 12 13252 212033 968.76 12174 856.99 352 40.52 192 21.74 (Dharwad) 13 Kodagu DCCB 6366 82161 1060.06 5168 744.05 288 61.06 0 0.00 Kolar And 14 Chickaballapur 25730 308240 3415.51 25686 3315.51 0 0.00 0 0.00 DCCB 15 Mandya DCCB 22441 336615 2244.00 21749 2171.35 826 81.77 20789 2080.45 Mysore And 16 Chamarajnagar 12130 198202 1590.55 10949 1433.12 60 1.56 13 0.38 DCCB 17 Raichur DCCB 8317 83170 600.57 8317 600.57 3621 270.70 4696 329.87 18 Shimoga DCCB 6598 85839 1410.18 5701 1218.47 5314 1135.76 265 56.63 19 South Canara DCCB 27586 249599 10461.14 19458 6448.25 27586 10461.14 0 0.00 20 Tumkur DCCB 7637 99675 591.27 6241 584.07 5453 554.61 0 0.00 21 Vijayapura DCCB 8994 94003 2052.57 7676 1742.48 0 0.00 0 0.00 Total 258181 3401897 49333.20 235356 42748.68 83530 15915.21 32149 3958.77 KERALA 1 Alappuzha DCCB 7732 112264 1814.50 7353 1405.21 0 0.00 0 0.00 2 Ernakulam DCCB 1189 14952 128.23 1173 125.52 0 0.00 0 0.00 3 Idukki DCCB 18236 197573 1140.21 15295 877.19 18236 1140.21 0 0.00 4 Kannur DCCB 448 8960 208.00 220 138.00 448 208.00 0 0.00 5 Kasaragod DCCB 971 16682 237.77 924 215.30 971 237.77 0 0.00 6 Kollam DCCB 8202 82405 5211.00 2872 1752.00 185 121.00 0 0.00 7 Kottayam DCCB 20 112 11.80 20 11.80 0 0.00 0 0.00 8 Kozhikode DCCB 550 7707 78.00 497 63.00 441 71.00 109 7.00 9 Malappuram DCCB 2029 34514 215.52 2029 215.52 113 14.96 0 0.00 10 Palakkad DCCB 114 1530 18.21 113 18.13 105 15.09 0 0.00 Pathanamthitta 11 3102 37116 311.38 2998 298.54 1551 155.69 0 0.00 DCCB Thiruvananthapuram 12 2628 39420 244.18 2628 244.18 2628 244.18 0 0.00 DCCB 13 Thrissur DCCB 4617 78489 1267.00 4617 1267.00 0 0.00 0 0.00 14 Wayanad DCCB 14099 169188 3502.07 14099 3502.07 14099 3502.07 0 0.00 Total 63937 800912 14387.87 54838 10133.46 38777 5709.97 109 7.00

168 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount PUDUCHERRY 1 Pondicherry STCB 1027 15400 386.20 1002 357.28 1007 289.31 20 96.89 Total 1027 15400 386.20 1002 357.28 1007 289.31 20 96.89 TAMIL NADU 1 Chennai DCCB 5149 77235 882.11 5149 882.11 0 0.00 0 0.00 2 Coimbatore DCCB 7660 91978 1475.75 7318 1451.64 3537 766.60 4123 709.15 3 Cuddalore DCCB 10390 199125 476.90 10253 466.66 8675 439.65 1715 37.25 4 Dharmapuri DCCB 2147 28512 1517.31 2084 1488.62 181 50.93 0 0.00 5 Dindigul DCCB 5258 63103 463.73 5000 447.56 1086 102.60 4172 361.13 6 Erode DCCB 7576 98488 2525.99 7556 2525.58 7143 2453.25 433 72.74 Kancheepuram 7 5460 88567 2469.96 5460 2469.96 0 0.00 0 0.00 DCCB 8 Kanyakumari DCCB 8311 139345 5673.08 6266 4254.81 0 0.00 0 0.00 Kumbakonam 9 10673 170768 1033.74 10673 1033.74 150 47.78 0 0.00 DCCB 10 Madurai DCCB 9593 115116 168.80 9593 168.80 5778 102.34 1037 21.63 11 Nilgiris DCCB 3283 38320 598.30 3241 597.74 0 0.00 0 0.00 12 Pudukottai DCCB 4811 57792 367.36 4566 348.66 0 0.00 0 0.00 Ramanathapuram 13 10481 125769 228.95 10481 228.95 10481 228.95 0 0.00 DCCB 14 Salem DCCB 16924 242398 1316.45 16078 1250.63 10154 789.86 5077 394.94 15 Sivgangai DCCB 4091 49028 201.56 4091 201.56 0 0.00 0 0.00 16 Thanjavur DCCB 4068 48816 240.42 4055 239.38 3194 146.82 874 93.60 17 Thoothukudi DCCB 2634 36874 338.00 2633 337.76 2211 304.08 423 33.92 18 Tiruchirapalli DCCB 20550 272775 1425.40 19836 1339.10 16700 1055.30 3850 370.10 19 Tirunelveli DCCB 2212 32978 215.10 2212 215.10 2212 215.10 0 0.00 Tiruvannamalai 20 11950 179253 1538.25 11931 1521.17 11950 1538.25 0 0.00 DCCB 21 Vellore DCCB 9077 145232 1794.56 9077 1794.56 1179 848.68 0 0.00 22 Villupuram DCCB 11664 186627 117.67 11051 109.11 11664 117.67 0 0.00 23 Virudhunagar DCCB 3996 51887 326.26 3996 326.26 0 0.00 0 0.00 Total 177958 2539986 25395.65 172600 23699.46 96295 9207.86 21704 2094.46 TELANGANA 1 Adilabad DCCB 349 3490 167.85 318 161.38 349 167.85 0 0.00 2 Hyderabad DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 3 Karimnagar DCCB 1014 11155 152.10 1014 152.10 0 0.00 0 0.00 4 Khammam DCCB 344 3440 250.51 344 250.51 344 250.51 0 0.00 Mahbubnagar 5 9 172 1.82 9 1.82 0 0.00 9 1.82 DCCB

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 169 STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 6 Medak DCCB 755 7590 520.25 755 520.25 0 0.00 0 0.00 7 Nalgonda DCCB 882 8820 83.70 882 83.70 0 0.00 0 0.00 8 Nizamabad DCCB 5921 61263 1297.20 5921 1297.20 0 0.00 0 0.00 9 Telangana STCB 2373 24355 987.54 2321 979.26 0 0.00 2373 987.54 10 Warangal DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 Total 11647 120285 3460.97 11564 3446.22 693 418.36 2382 989.36 Total Southern 528856 7062955 105285.01 491459 92703.97 221579 31831.79 56364 7146.48 Region WESTERN REGION GOA 1 Goa STCB 3825 56350 1446.38 3522 1097.53 0 0.00 0 0.00 Total 3825 56350 1446.38 3522 1097.53 0 0.00 0 0.00 GUJARAT 1 Ahmedabad DCCB 5065 57566 387.50 4216 359.98 3732 318.42 192 24.14 2 Amreli DCCB 32 433 0.85 32 0.85 0 0.00 0 0.00 3 Banaskantha DCCB 9154 101004 437.55 7967 393.73 9154 437.55 0 0.00 4 Baroda DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 5 Bharuch DCCB 773 9483 149.80 525 64.97 135 5.17 0 0.00 6 Bhavnagar DCCB 617 8151 47.00 280 17.00 0 0.00 0 0.00 7 Gujarat STCB 19 195 2.39 17 2.29 0 0.00 19 2.39 8 Jamnagar DCCB 711 7510 54.00 612 47.11 0 0.00 0 0.00 9 Junagadh DCCB 539 6309 52.00 522 51.30 539 52.00 0 0.00 10 Kachchh DCCB 487 5204 23.67 414 22.89 0 0.00 0 0.00 11 Kaira DCCB 661 5881 25.88 462 16.39 0 0.00 661 25.88 12 Kodinar DCCB 2696 30816 406.00 2570 393.70 1348 203.00 0 0.00 13 Mehsana DCCB 3792 60672 311.00 3665 300.00 0 0.00 0 0.00 14 Panchmahals DCCB 1419 14620 120.42 1205 111.60 380 18.43 0 0.00 15 Rajkot DCCB 5361 68326 946.44 4908 833.78 484 95.57 0 0.00 16 Sabarkantha DCCB 2502 30024 239.69 2388 214.74 850 47.25 0 0.00 17 Surat DCCB 2564 25640 253.50 2369 241.43 0 0.00 0 0.00 18 Surendranagar DCCB 62 1082 2.47 53 2.04 0 0.00 62 2.47 19 Valsad DCCB 434 5208 19.38 401 13.83 0 0.00 0 0.00 Total 36888 438124 3479.54 32606 3087.63 16622 1177.39 934 54.88 MAHARASHTRA 1 Ahmednagar DCCB 27275 330498 3190.54 27275 3190.54 5080 565.40 0 0.00 2 Akola DCCB 12958 155496 1449.02 11693 1354.99 0 0.00 0 0.00 3 Amrawati DCCB 6281 87934 829.04 4414 746.86 0 0.00 0 0.00

170 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - III - C (contd.)

(Amt. R lakh) Out of Total SHGs - Details of SHGs Saving Out of Total SHGs - Out of Total SHGs - Under NRLM/SGSY Sr. linked with Banks Exclusive Women SHGs Under NULM/SJSRY Name of Bank Scheme No. No. of No. of Savings - No. of Savings - No. of Savings - No. of Savings - SHGs Members Amount SHGs Amount SHGs Amount SHGs Amount 4 Aurangabad DCCB 10510 157650 1374.43 10381 1371.41 0 0.00 0 0.00 5 Beed DCCB 2508 26951 61.51 2508 61.51 824 14.15 0 0.00 6 Bhandara DCCB 6386 84074 481.00 6334 461.00 2151 220.00 0 0.00 7 Buldhana DCCB 1633 20345 27.55 486 8.85 443 10.26 0 0.00 8 Chandrapur DCCB 34632 410683 610.11 30718 575.10 31034 533.02 3598 77.09 Dhule & Nandurbar 9 5917 73143 2354.95 340 25.66 650 7.20 0 0.00 DCCB 10 Gadchiroli DCCB 6305 75602 1243.70 6239 1211.40 1460 129.40 0 0.00 11 Gondia DCCB 9420 101643 971.53 7901 761.24 8107 805.83 1313 165.70 12 Jalgaon DCCB 5800 65548 162.23 5800 162.23 0 0.00 0 0.00 13 Jalna DCCB 2128 23408 153.04 1381 121.41 0 0.00 0 0.00 14 Kolhapur DCCB 42566 622282 1362.53 42400 1362.53 4468 209.75 0 0.00 15 Latur DCCB 16426 295668 1791.72 15039 1765.82 1550 30.69 0 0.00 16 Maharashtra STCB 1067 13883 116.61 1056 112.90 0 0.00 0 0.00 17 Mumbai DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 18 Nagpur DCCB 2994 38922 91.30 2616 64.41 440 13.62 0 0.00 19 Nanded DCCB 0 0 0.00 0 0.00 0 0.00 0 0.00 20 Nasik DCCB 6409 72024 270.68 3626 154.28 2742 54.90 0 0.00 21 Osmanabad DCCB 4465 49115 91.02 2679 54.61 0 0.00 4465 91.02 22 Parbhani DCCB 6545 73321 146.78 6169 135.01 2021 48.74 0 0.00 23 Pune DCCB 40378 605670 4864.11 38359 4616.70 452 46.16 0 0.00 24 Raigad DCCB 18467 211578 1281.39 17011 719.82 331 460.17 0 0.00 25 Ratnagiri DCCB 5430 67011 285.15 4963 260.75 541 29.66 0 0.00 26 Sangli DCCB 39768 515924 13683.86 35790 12315.47 21432 12018.69 0 0.00 27 Satara DCCB 31611 347469 1667.73 31464 1659.37 130 7.28 0 0.00 28 Sindhudurg DCCB 7613 88312 819.35 7014 758.04 3236 222.70 0 0.00 29 Solapur DCCB 19906 218068 113.37 18757 83.95 12055 66.93 7851 46.44 30 Thane DCCB 38252 497276 6853.20 35127 6322.86 597 106.96 0 0.00 31 Wardha DCCB 6263 80888 140.09 5350 122.51 1577 15.28 0 0.00 32 Yavatmal DCCB 19901 139307 1749.39 16723 1467.29 19901 1749.39 0 0.00 Total 439814 5549693 48236.93 399613 42028.52 121222 17366.18 17227 380.25 Total Western 480527 6044167 53162.85 435741 46213.68 137844 18543.57 18161 435.13 Region Grand Total 1507611 18116392 267859.79 1384895 242386.07 523144 95070.61 83941 8268.78

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 171 STATEMENT - IV - A (I)

Progress under Microﬁnance - Bank loans disbursed by Public Sector Commercial Banks to SHGs during the year 2019-20 (Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed CENTRAL REGION CHHATTISGARH 1 Allahabad Bank 1258 1904.34 1238 1869.19 1188 1815.34 70 89.00 2 Andhra Bank 96 96.90 95 96.40 72 82.11 23 14.29 3 Bank of Baroda 996 635.24 982 632.57 654 435.23 22 15.95 4 Bank of India 513 431.00 513 431.00 481 404.00 32 27.00 Bank of 5 846 779.95 548 477.30 790 728.42 37 36.52 Maharashtra 6 Canara Bank 989 933.74 989 933.74 653 632.65 73 57.49 Central Bank of 7 4515 5335.75 394 538.18 394 538.18 0 0.00 India 8 Corporation Bank 131 115.67 87 78.90 46 31.77 10 4.56 9 Indian Bank 87 208.00 85 204.00 57 152.00 15 12.00 Indian Overseas 10 731 908.58 700 862.88 306 355.41 74 72.95 Bank Oriental Bank of 11 88 133.50 82 128.00 43 60.60 41 66.90 Commerce Punjab and Sind 12 88 120.43 80 116.98 47 69.00 41 51.43 Bank Punjab National 13 3493 3586.42 3458 3548.95 2658 2859.42 216 150.18 Bank 14 State Bank of India 4590 7437.00 4204 6811.00 4181 6811.00 0 0.00 15 Syndicate Bank 397 430.58 397 430.58 30 60.00 56 35.19 16 Uco Bank 291 353.43 254 307.06 229 290.88 62 62.55 17 Union Bank of India 210 142.00 182 108.00 184 124.00 0 0.00 Total 19319 23552.53 14288 17574.73 12013 15450.01 772 696.01 MADHYA PRADESH 1 Allahabad Bank 726 732.76 712 720.06 708 716.06 18 16.70 2 Andhra Bank 48 28.36 48 28.36 43 26.60 5 1.76 3 Bank of Baroda 22 7.02 22 7.02 13 2.37 0 0.00 4 Bank of India 3829 2017.00 2716 1357.00 1466 1041.00 1141 574.00 Bank of 5 644 301.30 320 142.78 473 235.73 124 52.02 Maharashtra 6 Canara Bank 221 227.24 221 227.24 41 22.44 27 31.10 Central Bank of 7 5613 2595.52 992 374.20 992 374.20 0 0.00 India 8 Corporation Bank 14 6.23 3 3.00 3 3.00 0 0.00 9 Indian Bank 282 873.00 276 856.00 9 8.00 1 1.00 Indian Overseas 10 3 1.27 3 1.27 2 1.02 0 0.00 Bank Oriental Bank of 11 11 21.90 11 21.90 9 19.90 1 1.00 Commerce Punjab and Sind 12 105 162.16 53 121.89 16 40.11 89 122.05 Bank

172 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed Punjab National 13 2364 2027.06 2355 2018.67 1729 1660.68 99 62.04 Bank 14 State Bank of India 2368 3611.00 2344 3574.00 213 3574.00 189 15.00 15 Syndicate Bank 569 375.46 502 327.46 27 17.37 30 17.00 16 Uco Bank 142 101.39 98 67.73 34 19.60 108 81.79 17 Union Bank of India 215 14.00 206 10.00 127 14.00 0 0.00 Total 17176 13102.67 10882 9858.58 5905 7776.08 1832 975.46 UTTARAKHAND 1 Allahabad Bank 48 41.45 45 39.20 36 31.60 12 9.85 2 Andhra Bank 5 3.52 5 3.52 5 3.52 0 0.00 3 Bank of Baroda 27 16.72 26 16.38 5 2.56 0 0.00 4 Bank of India 14 12.00 9 8.00 14 12.00 0 0.00 Bank of 5 0 0.00 0 0.00 0 0.00 0 0.00 Maharashtra 6 Canara Bank 137 48.51 137 48.51 43 1.17 9 13.39 Central Bank of 7 46 20.59 1 0.00 1 0.00 0 0.00 India 8 Corporation Bank 14 10.31 14 10.31 12 10.30 2 0.01 9 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 10 70 74.06 69 73.06 0 0.00 0 0.00 Bank Oriental Bank of 11 52 46.55 50 45.35 48 45.10 0 0.00 Commerce Punjab and Sind 12 140 185.75 139 176.25 131 177.00 9 8.75 Bank Punjab National 13 683 241.32 669 238.32 160 49.91 36 20.35 Bank 14 State Bank of India 544 726.00 544 726.00 427 726.00 0 0.00 15 Syndicate Bank 184 114.22 184 114.22 77 45.82 26 21.93 16 Uco Bank 70 92.56 62 83.16 55 73.46 15 19.10 17 Union Bank of India 127 55.00 125 54.00 89 15.00 0 0.00 Total 2161 1688.56 2079 1636.28 1103 1193.44 109 93.38 UTTAR PRADESH 1 Allahabad Bank 1408 1155.43 1315 1071.10 1250 1014.92 158 140.51 2 Andhra Bank 24 17.80 24 17.80 19 13.35 5 4.45 3 Bank of Baroda 156 37.56 142 33.74 41 14.23 3 1.08 4 Bank of India 304 167.00 292 157.00 298 162.00 6 5.00 Bank of 5 92 73.42 14 12.31 21 13.53 70 50.89 Maharashtra 6 Canara Bank 917 499.50 890 483.81 603 298.21 49 57.27 Central Bank of 7 555 132.15 97 15.51 97 15.51 0 0.00 India 8 Corporation Bank 30 8.13 22 6.33 16 5.91 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 173 STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 9 Indian Bank 123 142.00 121 139.00 7 33.00 0 0.00 Indian Overseas 10 83 118.45 74 99.92 38 11.96 2 0.11 Bank Oriental Bank of 11 154 163.90 151 156.40 116 129.70 26 20.20 Commerce Punjab and Sind 12 560 642.78 489 550.38 498 592.99 62 49.79 Bank Punjab National 13 2387 994.11 2351 986.34 906 457.40 222 92.24 Bank 14 State Bank of India 619 570.00 619 570.00 531 570.00 0 0.00 15 Syndicate Bank 758 507.38 705 432.47 68 38.92 126 54.92 16 Uco Bank 128 128.23 118 113.06 58 38.48 70 89.75 17 Union Bank of India 288 60.00 283 55.00 282 54.00 6 6.00 18 United Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Total 8586 5417.84 7707 4900.17 4849 3464.11 805 572.21 Total Central 47242 43761.60 34956 33969.76 23870 27883.64 3518 2337.06 Region EASTERN REGION ANDAMAN & NICOBAR 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 7 7.75 7 7.75 0 0.00 0 0.00 3 Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 4 Canara Bank 3 10.10 0 0.00 0 0.00 0 0.00 Central Bank of 5 0 0.00 0 0.00 0 0.00 0 0.00 India 6 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 7 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 8 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab National 9 0 0.00 0 0.00 0 0.00 0 0.00 Bank 10 State Bank of India 10 19.00 10 19.00 10 19.00 0 0.00 11 Syndicate Bank 1 2.00 1 2.00 0 0.00 1 2.00 12 Uco Bank 0 0.00 0 0.00 0 0.00 0 0.00 13 Union Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Total 21 38.85 18 28.75 10 19.00 1 2.00 BIHAR 1 Allahabad Bank 4581 4532.15 4534 4485.30 4438 4382.30 143 149.85 2 Andhra Bank 4 4.84 4 4.84 2 1.84 2 3.00 3 Bank of Baroda 1011 1351.23 983 1339.74 165 131.25 15 8.95 4 Bank of India 2455 2049.00 2455 2049.00 2455 2049.00 0 0.00 Bank of 5 0 0.00 0 0.00 0 0.00 0 0.00 Maharashtra

174 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 6 Canara Bank 5249 7662.00 5091 7432.14 1020 2055.73 2 1.00 Central Bank of 7 33679 24104.24 2752 1340.03 2752 1340.03 0 0.00 India 8 Corporation Bank 4 2.00 4 2.00 4 2.00 0 0.00 9 Indian Bank 1752 2765.00 1717 2710.00 86 122.00 193 202.00 Indian Overseas 10 286 399.59 264 385.43 28 23.85 15 23.77 Bank Oriental Bank of 11 2 1.00 2 1.00 1 0.50 1 0.50 Commerce Punjab and Sind 12 3 3.40 3 3.40 0 0.00 3 3.40 Bank Punjab National 13 28008 17313.04 27151 16812.31 19107 12097.35 637 416.11 Bank 14 State Bank of India 71353 125611.00 69334 122057.00 69977 122057.00 92 109.00 15 Syndicate Bank 1492 1450.90 1432 1387.31 76 57.00 130 69.77 16 Uco Bank 4194 5220.55 3981 4931.65 4179 5213.05 15 7.50 17 Union Bank of India 90 62.00 88 56.00 70 56.00 0 0.00 United Bank of 18 561 455.00 561 455.00 518 406.00 23 26.00 India Total 154724 192986.94 120356 165452.15 104878 149994.90 1271 1020.85 JHARKHAND 1 Allahabad Bank 1999 2270.03 1968 2243.11 1944 2218.11 55 51.92 2 Andhra Bank 12 5.85 12 5.85 9 3.83 3 2.02 3 Bank of Baroda 111 78.27 59 46.12 69 45.25 3 2.79 4 Bank of India 8852 5639.00 8852 5639.00 8505 5334.00 347 305.00 Bank of 5 2 2.28 0 0.00 1 1.00 1 1.28 Maharashtra 6 Canara Bank 2427 2501.78 2314 2431.91 2077 2115.07 48 36.29 Central Bank of 7 1641 1398.13 53 19.76 53 19.76 0 0.00 India 8 Corporation Bank 28 28.00 26 26.00 26 26.00 0 0.00 9 Indian Bank 322 784.00 316 768.00 306 767.00 16 17.00 Indian Overseas 10 216 156.94 188 134.15 116 72.72 3 2.12 Bank Oriental Bank of 11 2 2.95 2 2.95 0 0.00 1 1.95 Commerce Punjab and Sind 12 17 27.38 15 25.90 10 10.90 7 16.48 Bank Punjab National 13 3848 1497.66 3836 1496.50 3101 1243.46 90 32.09 Bank 14 State Bank of India 12351 14490.00 12256 14379.00 11323 14379.00 0 0.00 15 Syndicate Bank 475 470.16 415 441.66 20 10.00 62 27.18 16 Uco Bank 310 307.96 295 294.16 275 250.04 35 57.92 17 Union Bank of India 828 555.00 803 385.00 825 550.00 3 5.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 175 STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed United Bank of 18 398 376.00 398 376.00 338 297.00 29 31.00 India Total 33839 30591.39 31808 28715.07 28998 27343.14 703 590.04 ODISHA 1 Allahabad Bank 3262 5786.75 3190 5663.60 3067 5451.08 195 335.67 2 Andhra Bank 3004 4663.82 2989 4647.97 2814 4380.45 175 267.52 3 Bank of Baroda 565 712.65 539 663.54 275 308.23 7 19.10 4 Bank of India 9125 13686.00 9125 13686.00 9063 13586.00 62 100.00 Bank of 5 17 16.81 3 0.69 3 6.57 13 10.12 Maharashtra 6 Canara Bank 6098 9496.05 6098 9496.05 4087 6198.10 61 63.47 Central Bank of 7 3678 5316.78 151 186.79 151 186.79 0 0.00 India 8 Corporation Bank 232 360.95 173 240.55 146 198.95 3 7.88 9 Indian Bank 3929 6467.00 3850 6338.00 2873 4667.00 154 323.00 Indian Overseas 10 4349 5560.00 4233 5427.34 2844 3666.30 164 185.78 Bank Oriental Bank of 11 151 247.20 142 227.20 46 76.30 66 99.20 Commerce Punjab and Sind 12 39 77.05 39 77.05 23 39.45 16 37.60 Bank Punjab National 13 5526 5385.08 5485 5351.08 3614 3625.65 689 714.48 Bank 14 State Bank of India 35661 61569.00 34983 60399.00 32470 60399.00 51 77.00 15 Syndicate Bank 1928 2919.79 1793 2694.54 474 497.95 120 86.60 16 Uco Bank 7069 12673.50 6511 11629.64 6985 12566.98 84 106.52 17 Union Bank of India 678 904.00 603 807.00 673 900.00 5 4.00 United Bank of 18 1558 1517.00 1558 1517.00 1189 1143.00 48 50.00 India Total 86869 137359.43 81465 129053.04 70797 117897.80 1913 2487.94 WEST BENGAL 1 Allahabad Bank 46205 94645.29 45662 93781.92 44619 91924.45 1586 2720.84 2 Andhra Bank 285 421.41 284 418.41 201 317.52 83 100.89 3 Bank of Baroda 671 456.23 606 405.36 456 23.56 7 47.91 4 Bank of India 3390 5057.00 3390 5057.00 1510 2230.00 93 146.00 Bank of 5 4 2.76 4 2.76 4 2.76 0 0.00 Maharashtra 6 Canara Bank 6502 9582.16 6311 9103.05 3138 4433.57 2 3.00 Central Bank of 7 32110 46643.37 3668 4675.45 3668 4675.45 0 0.00 India 8 Corporation Bank 62 410.51 53 54.84 26 32.09 8 156.83 9 Indian Bank 1125 2748.00 1103 2693.00 825 1989.00 57 110.00 Indian Overseas 10 2012 3238.13 1867 3056.43 547 966.20 249 344.03 Bank

176 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed Oriental Bank of 11 161 224.00 144 202.10 86 118.30 53 73.20 Commerce Punjab And Sind 12 93 130.00 93 130.00 1 1.50 92 128.50 Bank Punjab National 13 19342 32069.68 19155 31768.25 15748 27559.94 991 1510.26 Bank 14 State Bank of India 62588 135346.00 62082 134251.00 59419 134252.00 128 250.00 15 Syndicate Bank 5095 6604.15 4865 6352.05 430 304.51 68 74.67 16 Uco Bank 4769 6810.11 4531 6470.50 4721 6746.61 48 63.50 17 Union Bank of India 867 513.00 567 413.00 863 510.00 4 3.00 United Bank of 18 22956 21215.00 22956 21215.00 21902 19826.00 283 604.00 India Total 208237 366116.80 177341 320050.12 158164 295913.46 3752 6336.63 Total Eastern 483690 727093.41 410988 643299.13 362847 591168.30 7640 10437.46 Region NORTH EASTERN REGION ARUNACHAL PRADESH 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 2 2.00 2 2.00 0 0.00 0 0.00 Bank of 4 0 0.00 0 0.00 0 0.00 0 0.00 Maharashtra 5 Canara Bank 0 0.00 0 0.00 0 0.00 0 0.00 Central Bank of 6 2 20.04 1 0.04 1 0.04 0 0.00 India 7 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 8 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Punjab National 11 9 6.68 9 6.68 8 4.68 0 0.00 Bank 12 State Bank of India 11 7.00 11 7.00 11 7.00 0 0.00 13 Syndicate Bank 3 10.70 3 10.70 0 0.00 0 0.00 14 Uco Bank 0 0.00 0 0.00 0 0.00 0 0.00 Total 27 46.42 26 26.42 20 11.72 0 0.00 ASSAM 1 Allahabad Bank 1640 1942.81 1604 1901.21 1597 1894.21 43 48.60 2 Bank of Baroda 67 37.45 52 34.29 28 24.35 0 0.00 3 Bank of India 98 115.00 98 115.00 88 105.00 0 0.00 4 Bank of Maharashtra 63 77.22 57 68.22 61 75.22 1 1.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 177 STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 5 Canara Bank 174 207.38 170 202.54 89 113.40 6 7.50 Central Bank of 6 1582 1682.43 176 181.42 176 181.42 0 0.00 India 7 Corporation Bank 13 24.10 9 15.10 8 15.00 0 0.00 8 Indian Bank 113 157.00 111 154.00 39 75.00 8 10.00 Indian Overseas 9 272 372.74 248 338.13 22 40.16 0 0.00 Bank Oriental Bank of 10 1 1.00 1 1.00 1 1.00 0 0.00 Commerce Punjab and Sind 11 40 31.43 35 30.38 14 7.00 26 24.43 Bank Punjab National 12 378 216.44 370 213.36 258 92.24 20 11.38 Bank 13 State Bank of India 3397 6233.00 3397 6233.00 2623 6233.00 0 0.00 14 Syndicate Bank 232 542.23 232 542.23 81 356.02 36 18.50 15 Uco Bank 2800 3398.47 2714 3280.23 2785 3384.41 15 14.06 16 Union Bank of India 297 289.00 285 197.00 297 289.00 0 0.00 United Bank of 17 2356 2281.00 2356 2281.00 2208 2147.00 31 28.00 India Total 13523 17608.70 11915 15788.11 10375 15033.43 186 163.47 MANIPUR 1 Allahabad Bank 1 2.00 1 2.00 1 2.00 0 0.00 2 Bank of Baroda 5 1.26 2 1.26 0 0.00 0 0.00 3 Bank of India 5 5.00 5 5.00 5 5.00 0 0.00 Bank of 4 0 0.00 0 0.00 0 0.00 0 0.00 Maharashtra 5 Canara Bank 2 5.60 0 0.00 0 0.00 0 0.00 Central Bank of 6 5 1.67 1 0.05 1 0.05 0 0.00 India 7 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 8 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Punjab National 11 1 1.00 1 1.00 0 0.00 0 0.00 Bank 12 State Bank of India 43 75.00 43 75.00 5 75.00 0 0.00 13 Uco Bank 28 42.01 28 42.01 28 42.01 0 0.00 Total 90 133.54 81 126.32 40 124.06 0 0.00 MEGHALAYA 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00

178 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 179 STATEMENT - IV - A (I) (contd.)

180 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 181 STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 6 Canara Bank 296 309.72 296 309.72 179 176.22 8 11.04 Central Bank of 7 441 422.02 20 16.45 20 16.45 0 0.00 India 8 Corporation Bank 93 119.97 60 77.88 60 77.88 0 0.00 9 Indian Bank 38 55.00 37 54.00 22 45.00 1 1.00 Indian Overseas 10 51 55.28 43 43.53 0 0.00 4 6.70 Bank Oriental Bank of 11 190 281.74 184 267.24 164 252.24 23 26.50 Commerce Punjab and Sind 12 273 668.85 254 640.87 241 616.75 32 52.10 Bank Punjab National 13 3520 3290.16 3491 3259.48 2024 1925.36 178 161.10 Bank 14 State Bank of India 713 968.00 713 968.00 697 968.00 0 0.00 15 Syndicate Bank 542 366.90 528 350.60 520 352.84 0 0.00 16 Uco Bank 98 84.83 92 80.73 84 74.98 14 9.85 17 Union Bank of India 47 28.00 47 28.00 47 28.00 0 0.00 Total 6471 7018.26 5920 6340.28 4203 4769.07 281 398.67 HIMACHAL PRADESH 1 Allahabad Bank 10 13.20 9 12.20 5 6.50 5 6.70 2 Andhra Bank 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of Baroda 1 2.89 1 2.89 0 0.00 0 0.00 4 Bank of India 5 8.00 4 4.00 5 8.00 0 0.00 Bank of 5 10 6.81 8 4.81 9 4.81 1 2.00 Maharashtra 6 Canara Bank 83 119.10 62 95.28 65 109.70 3 3.50 Central Bank of 7 104 113.39 13 6.32 13 6.32 0 0.00 India 8 Corporation Bank 2 2.65 2 2.65 1 0.15 1 2.50 9 Indian Bank 7 6.00 7 6.00 5 4.00 0 0.00 Indian Overseas 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 11 4 8.30 4 8.30 2 6.00 2 2.30 Commerce Punjab and Sind 12 37 104.98 37 104.98 30 83.93 7 21.05 Bank Punjab National 13 1277 1276.60 1258 1259.35 664 739.58 141 115.13 Bank 14 State Bank of India 318 766.00 290 698.00 285 698.00 0 0.00 15 Syndicate Bank 14 17.98 14 17.98 9 12.25 5 5.73 16 Uco Bank 234 499.18 186 395.50 219 482.45 15 16.73 17 Union Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Total 2106 2945.08 1895 2618.26 1312 2161.69 180 175.64

182 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 183 STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 15 Syndicate Bank 0 0.00 0 0.00 0 0.00 0 0.00 16 Uco Bank 0 0.00 0 0.00 0 0.00 0 0.00 17 Union Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Total 34 107.98 32 93.98 15 60.00 1 0.48 PUNJAB 1 Allahabad Bank 5 3.90 5 3.90 5 3.90 0 0.00 2 Bank of Baroda 3 0.00 1 0.00 1 0.00 0 0.00 3 Bank of India 12 3.00 3 2.00 1 1.00 0 0.00 Bank of 4 6 15.01 2 0.01 3 8.01 3 7.00 Maharashtra 5 Canara Bank 29 21.24 29 21.24 21 8.73 0 0.00 Central Bank of 6 9 1.76 1 0.02 1 0.02 0 0.00 India 7 Corporation Bank 7 5.76 7 5.76 5 4.75 0 0.00 8 Indian Bank 33 81.00 32 79.00 25 73.00 0 0.00 Indian Overseas 9 2 0.09 2 0.09 0 0.00 0 0.00 Bank Oriental Bank of 10 41 33.05 41 33.05 27 26.30 12 5.70 Commerce Punjab and Sind 11 390 507.75 321 450.56 381 485.42 9 22.33 Bank Punjab National 12 682 357.38 671 354.66 213 125.70 70 41.49 Bank 13 State Bank of India 296 271.00 296 271.00 259 271.00 0 0.00 14 Syndicate Bank 9 7.55 9 7.55 0 0.00 6 5.54 15 Uco Bank 12 19.24 8 14.04 8 13.85 4 5.39 16 Union Bank of India 1 1.00 1 1.00 1 1.00 0 0.00 Total 1537 1328.73 1429 1243.88 951 1022.68 104 87.45 RAJASTHAN 1 Allahabad Bank 119 63.73 116 61.73 115 60.73 4 3.00 2 Andhra Bank 20 29.21 20 29.21 17 23.21 3 6.00 3 Bank of Baroda 1095 970.32 1056 913.07 178 156.35 26 11.26 4 Bank of India 240 164.00 177 113.00 237 161.00 0 0.00 Bank of 5 38 41.02 8 2.68 9 2.44 28 38.28 Maharashtra 6 Canara Bank 264 187.11 264 187.11 36 25.90 55 12.19 Central Bank of 7 1185 697.19 99 44.10 99 44.10 0 0.00 India 8 Corporation Bank 28 21.05 10 8.55 9 8.50 0 0.00 9 Indian Bank 53 60.00 52 59.00 24 26.00 0 0.00 Indian Overseas 10 39 26.16 37 24.16 20 16.26 0 0.00 Bank Oriental Bank of 11 37 49.90 37 49.90 31 45.90 5 3.00 Commerce

184 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed Punjab and Sind 12 49 36.94 20 22.43 29 24.81 20 12.13 Bank Punjab National 13 3883 2555.24 3823 2517.54 2640 1306.56 106 105.16 Bank 14 State Bank of India 3442 3519.00 3406 3482.00 2489 3482.00 0 0.00 15 Syndicate Bank 147 122.31 147 122.31 59 65.74 0 0.00 16 Uco Bank 241 303.89 171 222.28 179 229.22 62 74.67 17 Union Bank of India 20 14.00 17 12.00 17 12.00 3 2.00 Total 10900 8861.07 9460 7871.07 6188 5690.72 312 267.69 Total Northern 21995 21748.97 19629 19539.50 13455 14965.84 912 972.13 Region SOUTHERN REGION ANDHRA PRADESH 1 Allahabad Bank 1695 8590.43 1544 8030.31 1518 7972.61 177 617.82 2 Andhra Bank 95708 341019.46 95076 339986.02 75601 261878.64 19475 78107.38 3 Bank of Baroda 2454 3852.13 2018 3169.14 1343 2562.13 15 16.56 4 Bank of India 784 3207.00 784 3207.00 238 991.00 0 0.00 Bank of 5 596 1689.57 289 728.80 527 1484.58 10 25.21 Maharashtra 6 Canara Bank 26140 94789.53 25356 91096.78 11718 41539.25 4 2.00 Central Bank of 7 6227 16258.50 1302 3671.00 1302 3671.00 6 0.08 India 8 Corporation Bank 7078 24887.81 5168 18545.51 3888 13972.58 0 0.00 9 Indian Bank 42930 145293.00 42071 142387.00 19312 64525.00 94 431.00 Indian Overseas 10 10989 29402.10 10658 28358.69 7731 20424.96 0 0.00 Bank Oriental Bank of 11 108 328.30 105 310.30 18 86.65 78 195.10 Commerce Punjab and Sind 12 0 0.00 0 0.00 0 0.00 0 0.00 Bank Punjab National 13 1742 3706.06 1733 3682.55 98 157.66 230 766.19 Bank 14 State Bank of India 198333 957866.00 194308 938425.00 173310 938425.00 319 735.00 15 Syndicate Bank 39300 135390.93 37544 134525.94 9354 5738.29 2187 3110.93 16 Uco Bank 496 1787.54 472 1736.44 438 1634.49 58 153.05 17 Union Bank of India 4112 8928.00 3227 6113.00 3497 8805.00 11 3.00 Total 438692 1776996.36 421655 1723973.48 309893 1373868.84 22664 84163.32 KARNATAKA 1 Allahabad Bank 4 20.20 2 10.50 2 10.50 2 9.70 2 Andhra Bank 45 103.27 45 103.27 24 68.84 21 34.43 3 Bank of Baroda 3123 2996.23 1895 1698.57 765 387.56 22 33.86 4 Bank of India 117 492.00 111 459.00 62 140.00 0 0.00 Bank of 5 37 90.06 10 13.45 13 14.99 22 69.27 Maharashtra

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 185 STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 6 Canara Bank 12363 41513.13 11868 39962.19 7774 15789.45 51 79.12 Central Bank of 7 223 691.10 31 73.64 31 73.64 0 0.00 India 8 Corporation Bank 129658 277492.72 102260 231924.06 79938 179122.68 2 0.51 9 Indian Bank 168 725.00 165 711.00 91 493.00 3 10.00 Indian Overseas 10 803 1899.94 746 1802.75 380 929.18 13 22.08 Bank Oriental Bank of 11 3 6.50 3 6.50 2 6.00 0 0.00 Commerce Punjab and Sind 12 1 1.33 0 0.00 0 0.00 1 1.33 Bank Punjab National 13 70 187.75 68 182.73 1 0.03 17 6.92 Bank 14 State Bank of India 20610 147512.00 20197 144555.00 16027 144554.00 150 153.00 15 Syndicate Bank 61842 74840.47 60774 71750.17 4389 2420.40 1620 1861.69 16 Uco Bank 50 137.10 38 112.43 17 63.90 33 73.20 17 Union Bank of India 12702 632.00 12610 516.00 12692 628.00 10 4.00 Total 241819 549340.80 210823 493881.26 122208 344702.17 1967 2359.11 KERALA 1 Allahabad Bank 10 38.00 8 30.75 8 30.75 2 7.25 2 Andhra Bank 99 243.56 99 243.56 70 167.01 29 76.55 3 Bank of Baroda 1165 1562.37 790 1239.90 301 1015.23 6 7.56 4 Bank of India 1418 6090.00 1393 6075.00 426 1950.00 26 1108.00 Bank of 5 6 27.00 3 12.00 6 27.00 0 0.00 Maharashtra 6 Canara Bank 11083 60584.99 10758 58519.99 7043 36847.33 47 134.07 Central Bank of 7 5550 17772.50 240 633.70 240 633.70 0 0.00 India 8 Corporation Bank 778 1772.20 700 1600.39 632 1360.01 0 0.00 9 Indian Bank 3571 20711.00 3500 20297.00 760 4483.00 58 167.00 Indian Overseas 10 3864 8806.66 3240 7119.79 299 783.97 454 792.84 Bank Oriental Bank of 11 6 15.38 6 15.38 0 0.00 1 2.06 Commerce Punjab and Sind 12 4 7.85 4 7.85 0 0.00 4 7.85 Bank Punjab National 13 2679 5889.44 2632 5803.84 638 1203.55 773 1533.54 Bank 14 State Bank of India 3049 16152.00 2991 15846.00 1181 15846.00 93 52.00 15 Syndicate Bank 3359 9278.29 3191 9028.43 164 0.00 170 17.86 16 Uco Bank 120 649.78 100 544.13 101 582.94 19 66.84 17 Union Bank of India 3259 4884.00 3221 3809.00 3258 4883.00 1 1.00 Total 40020 154485.02 32876 130826.71 15127 69813.49 1683 3974.42

186 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed LAKSHADWEEP 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 Central Bank of 3 0 0.00 0 0.00 0 0.00 0 0.00 India Indian Overseas 4 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 5 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 6 State Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 7 Syndicate Bank 5 9.28 5 9.28 0 0.00 0 0.00 8 Uco Bank 0 0.00 0 0.00 0 0.00 0 0.00 Total 5 9.28 5 9.28 0 0.00 0 0.00 PUDUCHERRY 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Andhra Bank 12 34.33 12 34.33 4 11.10 8 23.23 3 Bank Of Baroda 18 32.80 18 32.80 5 8.15 0 0.00 4 Bank Of India 24 100.00 24 100.00 0 0.00 0 0.00 5 Canara Bank 43 173.55 43 173.55 12 63.95 9 4.15 Central Bank Of 6 0 0.00 0 0.00 0 0.00 0 0.00 India 7 Corporation Bank 166 86.73 133 57.77 133 57.77 0 0.00 8 INDIAN BANK 437 1776.00 428 1740.00 357 1331.00 72 362.00 Indian Overseas 9 143 410.95 133 402.16 78 204.84 3 10.02 Bank Oriental Bank Of 10 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab And Sind 11 1 2.70 1 2.70 0 0.00 1 2.70 Bank Punjab National 12 0 0.00 0 0.00 0 0.00 0 0.00 Bank 13 State Bank Of India 104 465.00 104 465.00 104 465.00 0 0.00 14 Syndicate Bank 39 120.65 39 120.65 12 29.30 0 0.00 15 Uco Bank 18 72.85 17 68.85 18 72.85 0 0.00 16 Union Bank of India 18 51.00 18 51.00 18 51.00 0 0.00 Total 1023 3326.56 970 3248.81 741 2294.96 93 402.10 TAMIL NADU 1 Allahabad Bank 31 90.31 28 80.71 27 75.91 4 14.40 2 Andhra Bank 213 504.71 212 501.71 88 236.76 124 264.95 3 Bank of Baroda 481 483.56 362 334.38 112 235.56 20 14.85 4 Bank of India 741 2106.00 735 2099.00 160 488.00 36 95.00 Bank of 5 8 7.11 4 5.05 5 5.05 2 2.06 Maharashtra

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 187 STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 6 Canara Bank 8870 48002.76 8689 45456.81 2984 15056.74 14 43.37 Central Bank of 7 2076 6746.19 297 705.65 297 705.65 0 0.00 India 8 Corporation Bank 2099 4962.64 1783 4215.92 1116 2868.40 2 1.68 9 Indian Bank 40607 192673.00 39795 188820.00 18046 85998.00 776 3217.00 Indian Overseas 10 10648 27737.97 8807 23079.80 2274 5404.39 226 489.54 Bank Oriental Bank of 11 50 188.75 48 173.00 2 16.75 42 146.89 Commerce Punjab and Sind 12 1 15.00 0 0.00 0 0.00 1 15.00 Bank Punjab National 13 1181 2869.50 1132 2702.31 495 1225.93 65 187.98 Bank 14 State Bank of India 2010 9157.00 2004 9130.00 1430 9038.00 47 28.00 15 Syndicate Bank 1740 8830.41 1627 8628.46 30 60.00 74 179.08 16 Uco Bank 137 523.27 128 487.42 121 461.24 16 62.03 17 Union Bank of India 902 1941.00 876 1503.00 898 1937.00 4 4.00 Total 71795 306839.18 66527 287923.22 28085 123813.38 1453 4765.83 TELANGANA 1 Allahabad Bank 688 3204.70 688 3204.70 681 3187.20 7 17.50 2 Andhra Bank 35457 117516.30 35301 117200.55 30464 96031.37 4837 21169.18 3 Bank of Baroda 1062 1329.55 939 1141.16 521 1002.56 22 83.76 4 Bank of India 1440 791.00 1440 791.00 440 489.00 0 0.00 Bank of 5 432 549.55 265 349.79 389 488.38 7 9.94 Maharashtra 6 Canara Bank 10314 49097.87 9734 47082.98 2408 11642.02 13 16.40 Central Bank of 7 5316 11698.53 1943 3699.50 1943 3699.50 0 0.00 India 8 Corporation Bank 2343 6582.58 1997 5518.12 862 2312.42 8 4.49 9 Indian Bank 8633 32184.00 8460 31540.00 3517 9663.00 0 0.00 Indian Overseas 10 2763 16194.05 2674 10938.99 1852 4135.68 68 137.43 Bank Oriental Bank of 11 19 89.00 13 61.00 0 0.00 8 33.50 Commerce Punjab National 12 1927 4531.59 1910 4499.49 681 1096.78 51 130.77 Bank 13 State Bank of India 72896 319720.00 70726 310204.00 50788 310205.00 380 304.00 14 Syndicate Bank 9368 32910.60 8993 31886.73 30 90.00 20 70.00 15 Uco Bank 166 856.30 152 798.70 166 856.30 0 0.00 16 Union Bank of India 424 2055.00 399 1724.00 422 2053.00 2 2.00 Total 153248 599310.62 145634 570640.71 95164 446952.21 5423 21978.97 Total Southern 946602 3390307.82 878490 3210503.47 571218 2361445.05 33283 117643.75 Region

188 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 189 STATEMENT - IV - A (I) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 13 Syndicate Bank 17 19.51 17 19.51 17 14.82 0 0.00 14 Uco Bank 1 1.00 1 1.00 1 1.00 0 0.00 15 Union Bank of India 21 27.00 18 23.00 21 27.00 0 0.00 Total 422 1396.34 371 1298.64 323 1149.77 1 1.91 GUJARAT 1 Allahabad Bank 11 8.84 10 8.30 3 1.30 8 7.54 2 Bank of Baroda 813 580.52 795 547.08 510 236.25 3 1.23 3 Bank of India 167 162.00 165 160.00 117 112.00 4 4.00 Bank of 4 112 166.15 68 35.26 62 28.79 34 125.55 Maharashtra 5 Canara Bank 33 15.98 33 15.98 2 1.00 2 3.60 Central Bank of 6 644 427.09 105 54.84 105 54.84 0 0.00 India 7 Corporation Bank 57 21.58 41 17.14 36 14.57 2 1.61 8 Indian Bank 169 308.00 166 302.00 1 1.00 4 3.00 Indian Overseas 9 78 61.41 74 58.88 11 16.77 5 2.85 Bank Oriental Bank Of 10 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 11 1 0.70 1 0.70 1 0.70 0 0.00 Bank Punjab National 12 167 65.48 166 64.37 84 33.52 46 19.63 Bank 13 State Bank of India 1327 1366.00 1327 1366.00 1165 1366.00 0 0.00 14 Syndicate Bank 126 74.03 126 74.03 10 7.00 47 15.30 15 Uco Bank 26 22.74 24 19.24 6 5.50 20 17.24 16 Union Bank of India 101 31.00 95 28.00 86 27.00 0 0.00 Total 3832 3311.52 3196 2751.82 2199 1906.24 175 201.55 MAHARASHTRA 1 Allahabad Bank 483 636.94 463 628.59 459 625.09 24 11.85 2 Andhra Bank 198 252.29 194 249.16 144 183.82 50 65.34 3 Bank of Baroda 520 621.24 459 596.07 151 174.56 15 8.27 4 Bank of India 7749 8675.00 7312 8157.00 6489 7870.00 201 263.00 Bank of 5 10857 13703.53 6938 8467.78 9514 11705.38 784 1073.48 Maharashtra 6 Canara Bank 1881 2324.28 1881 2324.28 944 1102.98 58 76.28 Central Bank of 7 5102 5928.08 197 229.44 197 229.44 0 0.00 India 8 Corporation Bank 115 121.89 96 101.50 60 66.26 2 5.00 9 Indian Bank 362 579.00 355 567.00 270 374.00 3 6.00 Indian Overseas 10 273 877.38 252 843.33 83 64.83 9 5.53 Bank

190 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (I) (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 191 STATEMENT - IV - A (I) (contd.)

192 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (II)

Progress under Microﬁnance - Bank loans disbursed by Private Sector Commercial Banks to SHGs during the year 2019-20 (Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed CHHATTISGARH 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 2 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 82 132.62 82 132.62 0 0.00 0 0.00 4 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 5 IDBI Bank Limited 138 166.11 114 148.07 97 130.30 6 4.20 6 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 7 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Karur Vysya Bank 8 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 9 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 220 298.73 196 280.69 97 130.30 6 4.20 MADHYA PRADESH 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 136 250.38 136 250.38 0 0.00 0 0.00 5 ICICI Bank Limited 5057 7971.03 5057 7971.03 4041 6530.64 1016 1440.39 6 IDBI Bank Limited 117 326.10 117 326.10 0 0.00 0 0.00 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 10 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 5310 8547.51 5310 8547.51 4041 6530.64 1016 1440.39 UTTARAKHAND Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 3 IDBI Bank Limited 1 0.30 1 0.30 1 0.30 0 0.00 4 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 5 Nainital Bank Ltd 63 59.00 63 59.00 63 59.00 0 0.00 Tamilnad Mercantile 6 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd 7 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 64 59.30 64 59.30 64 59.30 0 0.00 UTTAR PRADESH 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 2 1.24 2 1.24 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 193 STATEMENT - IV - A (II) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 7 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 8 Nainital Bank Ltd 3 1.55 3 1.55 3 1.55 0 0.00 South Indian Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 10 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 5 2.79 5 2.79 3 1.55 0 0.00 Total Central 5599 8908.33 5575 8890.29 4205 6721.79 1022 1444.59 Region EASTERN REGION ANDAMAN & NICOBAR 1 IDBI Bank Limited 10 43.80 10 43.80 0 0.00 0 0.00 Total 10 43.80 10 43.80 0 0.00 0 0.00 BIHAR Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 1 0.41 1 0.41 0 0.00 0 0.00 4 ICICI Bank Limited 2768 3633.32 2768 3633.32 2768 3633.32 0 0.00 5 IDBI Bank Limited 97 114.08 95 112.08 24 34.13 0 0.00 6 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 7 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 2866 3747.81 2864 3745.81 2792 3667.45 0 0.00 JHARKHAND 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 1 0.20 1 0.20 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 242 69.68 214 62.11 216 64.91 1 0.01 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 9 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 243 69.88 215 62.31 216 64.91 1 0.01 ODISHA 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 13 16.10 0 0.00 4 6.70 0 0.00 4 HDFC Bank Ltd. 21 47.39 21 47.39 0 0.00 0 0.00

194 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (II) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 5 ICICI Bank Limited 1865 2309.59 1865 2309.59 1346 1676.03 519 633.56 6 IDBI Bank Limited 76 119.64 66 107.76 13 21.03 0 0.00 7 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd South Indian Bank 10 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 11 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 1975 2492.72 1952 2464.74 1363 1703.76 519 633.56 WEST BENGAL 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 4 10.53 4 10.53 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 112 148.04 104 134.24 80 112.92 5 3.10 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd South Indian Bank 10 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 11 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 116 158.57 108 144.77 80 112.92 5 3.10 Total Eastern 5210 6512.78 5149 6461.43 4451 5549.04 525 636.67 Region NORTH EASTERN REGION ARUNACHAL PRADESH Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 ASSAM 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 21 33.40 21 33.40 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 34 45.10 24 28.00 23 31.90 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 195 STATEMENT - IV - A (II) (contd.)

196 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (II) (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 197 STATEMENT - IV - A (II) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 3 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 1 0.40 1 0.40 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 1 2.20 1 2.20 0 0.00 0 0.00 South Indian Bank 7 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 8 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 2 2.60 2 2.60 0 0.00 0 0.00 RAJASTHAN Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 26 53.69 26 53.69 0 0.00 0 0.00 5 ICICI Bank Limited 14426 32309.61 14426 32309.61 13785 31447.48 641 862.13 6 IDBI Bank Limited 66 186.10 60 179.10 7 7.00 0 0.00 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 9 Nainital Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 14518 32549.40 14512 32542.40 13792 31454.48 641 862.13 Total Northern 14525 32556.25 14517 32548.00 13794 31455.98 641 862.13 Region SOUTHERN REGION ANDHRA PRADESH 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 295 906.35 87 267.65 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 380 921.99 380 921.99 0 0.00 0 0.00 6 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 7 IDBI Bank Limited 10 16.00 7 14.50 0 0.00 0 0.00 8 Karnataka Bank Ltd 70 290.39 65 273.89 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd. South Indian Bank 11 5 23.75 5 23.75 0 0.00 0 0.00 Ltd

198 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (II) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed Tamilnad Mercantile 12 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd Total 760 2158.48 544 1501.78 0 0.00 0 0.00 KARNATAKA 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 13554 44964.91 13554 44964.91 0 0.00 0 0.00 6 ICICI Bank Limited 4250 14559.13 4250 14559.13 4003 13726.88 247 832.25 7 IDBI Bank Limited 73138 106954.02 41732 60691.87 16700 26729.98 0 0.00 8 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 9 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 302 1418.23 268 1263.44 0 0.00 6 20.50 Karur Vysya Bank 11 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 12 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd. 13 Ratnakar Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 14 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Tamilnad Mercantile 15 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd 16 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 91244 167896.29 59804 121479.35 20703 40456.86 253 852.75 KERALA 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 82 242.09 9 0.53 3 0.00 0 0.00 5 HDFC Bank Ltd. 15442 53261.82 15442 53261.82 0 0.00 0 0.00 6 ICICI Bank Limited 3313 13212.06 3313 13212.06 3031 11962.78 282 1249.28 7 IDBI Bank Limited 623 2000.47 614 1924.47 7 47.70 0 0.00 8 Karnataka Bank Ltd 5 36.00 4 27.50 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd South Indian Bank 10 73 238.68 67 210.92 0 0.00 0 0.00 Ltd Tamilnad Mercantile 11 7 21.00 6 18.00 0 0.00 0 0.00 Bank Ltd

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 199 STATEMENT - IV - A (II) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed The Dhanalakshmi 12 3954 24662.81 3933 24557.28 386 961.20 2 8.09 Bank Ltd 13 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 23499 93674.93 23388 93212.58 3427 12971.68 284 1257.37 LAKSHADWEEP UT 1 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 PUDUCHERRY City Union Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 191 714.90 191 714.90 0 0.00 0 0.00 4 IDBI Bank Limited 50 189.35 44 170.75 0 0.00 0 0.00 Karur Vysya Bank 5 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Tamilnad Mercantile 6 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd Total 241 904.25 235 885.65 0 0.00 0 0.00 TAMIL NADU 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 13971 51720.04 13971 51720.04 0 0.00 0 0.00 6 ICICI Bank Limited 29899 105174.75 29899 105174.75 23447 90826.13 6452 14348.62 7 IDBI Bank Limited 571 1978.14 513 1754.74 0 0.00 0 0.00 8 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 9 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Karur Vysya Bank 11 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 12 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd. South Indian Bank 13 6 12.99 5 12.99 0 0.00 0 0.00 Ltd Tamilnad Mercantile 14 39 82.93 37 82.76 4 0.07 2 6.98 Bank Ltd 15 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 44486 158968.85 44425 158745.28 23451 90826.20 6454 14355.60 TELANGANA 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00

200 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (II) (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 2816 9152.21 2816 9152.21 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 7 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd. South Indian Bank 11 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 12 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 2816 9152.21 2816 9152.21 0 0.00 0 0.00 Total Southern 163046 432755.01 131212 384976.85 47581 144254.74 6991 16465.72 Region WESTERN REGION DAMAN AND DIU UT 1 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 D AND N HAVELI UT 1 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 GOA 1 HDFC Bank Ltd. 241 980.48 241 980.48 0 0.00 0 0.00 2 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 3 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Total 241 980.48 241 980.48 0 0.00 0 0.00 GUJARAT 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 360 958.32 360 958.32 0 0.00 0 0.00 6 ICICI Bank Limited 2976 4347.09 2976 4347.09 1705 2524.14 1271 1822.95 7 IDBI Bank Limited 2 3.50 1 2.50 0 0.00 0 0.00 8 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 9 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 201 STATEMENT - IV - A (II) (contd.)

202 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - A (II) (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 203 STATEMENT - IV - B

Progress under Microﬁnance - Bank loans disbursed by Regional Rural Banks to SHGs during the year 2019-20 (Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs NRLM/ SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed CENTRAL REGION CHHATTISGARH Chhattisgarh Rajya 1 17087 24181.85 16885 23575.58 16553 23798.27 534 383.58 Gramin Bank Total 17087 24181.85 16885 23575.58 16553 23798.27 534 383.58 MADHYA PRADESH Madhyanchal Gramin 1 3149 1668.00 2676 1568.00 2437 1507.00 216 45.00 Bank Madhya Pradesh 2 22646 9903.02 22256 9628.81 21769 9213.26 92 93.56 Gramin Bank Total 25795 11571.02 24932 11196.81 24206 10720.26 308 138.56 UTTARAKHAND Uttarakhand Gramin 1 2339 1344.76 1665 1130.32 1412 1013.96 226 24.54 Bank Total 2339 1344.76 1665 1130.32 1412 1013.96 226 24.54 UTTAR PRADESH 1 Aryavart Bank 3066 4263.04 2565 3581.12 2565 3581.12 0 0.00 Baroda Uttar 2 Pradesh Gramin 2016 2241.01 2016 2241.01 2008 2235.81 0 0.00 Bank Kashi Gomti Samyut 3 436 780.84 436 780.84 370 711.54 59 69.30 Gramin Bank Prathama U.P Gramin 4 1569 2494.80 1428 2271.91 1334 2120.98 0 0.00 Bank 5 Purvanchal Bank 1721 1468.00 1721 1468.00 1721 1468.00 0 0.00 Total 8808 11247.69 8166 10342.88 7998 10117.45 59 69.30 Total Central 54029 48345.32 51648 46245.59 50169 45649.94 1127 615.98 Region EASTERN REGION BIHAR Dakshin Bihar 1 30386 92883.00 30386 92883.00 30386 92883.00 0 0.00 Gramin Bank Uttar Bihar Gramin 2 78021 194080.00 78021 194080.00 78021 194080.00 0 0.00 Bank Total 108407 286963.00 108407 286963.00 108407 286963.00 0 0.00 JHARKHAND Jharkhand Rajya 1 23352 19714.00 23352 19714.00 22365 16561.00 0 0.00 Gramin Bank Total 23352 19714.00 23352 19714.00 22365 16561.00 0 0.00 ODISHA Odisha Gramya 1 28341 63518.68 28341 63518.68 27426 62373.47 915 1145.21 Bank 2 Utkal Grameen Bank 12576 13896.44 11837 13083.50 12380 13462.87 0 0.00 Total 40917 77415.12 40178 76602.18 39806 75836.34 915 1145.21 WEST BENGAL Bangiya Gramin 1 264742 297396.00 232683 261382.40 235621 264682.59 29121 32713.41 Vikash Bank Paschim Banga 2 65797 201050.15 63556 194176.22 65341 199823.03 426 1139.53 Gramin Bank

204 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - B (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs NRLM/ SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed Uttar Banga 3 Kshetriya Gramin 28890 47833.84 28890 47833.84 15726 24788.44 13164 23045.40 Bank Total 359429 546279.99 325129 503392.46 316688 489294.06 42711 56898.34 Total Eastern 532105 930372.11 497066 886671.64 487266 868654.40 43626 58043.55 Region NORTH EASTERN REGION ARUNACHAL PRADESH Arunachal Pradesh 1 132 156.50 132 156.50 132 156.50 0 0.00 Rural Bank Total 132 156.50 132 156.50 132 156.50 0 0.00 ASSAM Assam Gramin 1 14265 25129.85 14076 24750.39 11678 20812.28 52 91.29 Vikash Bank Total 14265 25129.85 14076 24750.39 11678 20812.28 52 91.29 MANIPUR 1 Manipur Rural Bank 739 863.39 739 863.39 405 454.90 71 69.90 Total 739 863.39 739 863.39 405 454.90 71 69.90 MEGHALAYA 1 Meghalaya Rural Bank 1860 2815.76 1750 2716.64 1741 2709.99 0 0.00 Total 1860 2815.76 1750 2716.64 1741 2709.99 0 0.00 MIZORAM 1 Mizoram Rural Bank 1183 1912.68 1125 1683.02 1088 1569.30 36 92.46 Total 1183 1912.68 1125 1683.02 1088 1569.30 36 92.46 NAGALAND 1 Nagaland Rural Bank 23 85.00 23 85.00 11 11.00 0 0.00 Total 23 85.00 23 85.00 11 11.00 0 0.00 TRIPURA 1 Tripura Gramin Bank 2583 5043.54 2496 4952.26 2391 4585.32 0 0.00 Total 2583 5043.54 2496 4952.26 2391 4585.32 0 0.00 Total North 20785 36006.72 20341 35207.20 17446 30299.29 159 253.65 Eastern Region NORTHERN REGION HARYANA Sarva Haryana 1 2548 3340.68 2544 3331.18 2389 3142.92 40 66.82 Gramin Bank Total 2548 3340.68 2544 3331.18 2389 3142.92 40 66.82 HIMACHAL PRADESH Himachal Pradesh 1 1001 1953.00 1001 1953.00 1001 1953.00 0 0.00 Gramin Bank Total 1001 1953.00 1001 1953.00 1001 1953.00 0 0.00 JAMMU AND KASHMIR 1 Ellaquai Dehati Bank 113 320.79 74 168.00 113 320.79 0 0.00 2 J & K Grameen Bank 1188 2513.36 1188 2513.36 1139 2463.02 0 0.00 Total 1301 2834.15 1262 2681.36 1252 2783.81 0 0.00 PUNJAB 1 Punjab Gramin Bank 859 489.83 859 489.83 859 489.83 0 0.00 Total 859 489.83 859 489.83 859 489.83 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 205 STATEMENT - IV - B (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs NRLM/ SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed RAJASTHAN Baroda Rajasthan 1 Kshetriya Gramin 15445 15142.00 15414 15112.00 14226 13807.00 22 23.00 Bank Rajasthan Marudhara 2 1438 1288.32 1429 1279.44 840 770.22 23 29.38 Gramin Bank Total 16883 16430.32 16843 16391.44 15066 14577.22 45 52.38 Total Northern 22592 25047.98 22509 24846.81 20567 22946.78 85 119.20 Region SOUTHERN REGION ANDHRA PRADESH Andhra Pragathi 1 69356 247623.00 69356 247623.00 0 0.00 0 0.00 Grameena Bank Chaitanya Godavari 2 21502 93743.32 21502 93743.32 16406 71938.66 0 0.00 Grameena Bank Saptagiri Grameena 3 44325 206247.84 41133 191072.07 34787 158117.23 5568 30514.51 Bank Total 135183 547614.16 131991 532438.39 51193 230055.89 5568 30514.51 KARNATAKA Karnataka Gramin 1 78363 150029.93 77565 148011.49 72395 138416.71 1738 2741.54 Bank Karnataka Vikas 2 4138 10157.30 4007 9905.40 3950 9627.90 188 529.40 Grameena Bank Total 82501 160187.23 81572 157916.89 76345 148044.61 1926 3270.94 KERALA 1 Kerala Gramin Bank 9801 44775.51 9066 41906.79 6701 30770.56 285 1448.60 Total 9801 44775.51 9066 41906.79 6701 30770.56 285 1448.60 PUDUCHERRY Puduvai Bharathiyar 1 746 3180.05 740 3145.60 365 1706.72 30 148.36 Grama Bank Total 746 3180.05 740 3145.60 365 1706.72 30 148.36 TAMIL NADU Tamil Nadu Grama 1 13748 60345.58 12922 58863.00 3072 13276.05 69 261.93 Bank Total 13748 60345.58 12922 58863.00 3072 13276.05 69 261.93 TELANGANA Andhra Pradesh 1 Grameena Vikas 172084 401107.36 172084 401107.36 102333 240905.12 21594 48854.89 Bank Telangana Grameena 2 28006 120369.42 28006 120369.42 13606 62601.69 118 436.85 Bank Total 200090 521476.78 200090 521476.78 115939 303506.81 21712 49291.74 Total Southern 442069 1337579.31 436381 1315747.45 253615 727360.64 29590 84936.08 Region

206 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - B (contd.)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 207 STATEMENT - IV - C

Progress under Microﬁnance - Bank loans disbursed by Co-operative Banks to SHGs during the year 2019-20 (Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed CENTRAL REGION CHHATTISGARH 1 Bilaspur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 2 Durg DCCB 257 161.66 251 157.21 257 161.66 0 0.00 3 Ambikapur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 4 Jagdalpur DCCB 890 812.76 890 812.76 245 342.90 39 37.50 5 Raipur DCCB 40 54.40 40 54.40 0 0.00 0 0.00 6 Rajnandgaon DCCB 987 974.48 987 974.48 987 974.48 0 0.00 Total 2174 2003.30 2168 1998.85 1489 1479.04 39 37.50 MADHYA PRADESH 1 Bhopal DCCB 0 0.00 0 0.00 0 0.00 0 0.00 2 Indore DCCB 0 0.00 0 0.00 0 0.00 0 0.00 3 Balaghat DCCB 0 0.00 0 0.00 0 0.00 0 0.00 4 Betul DCCB 37 18.50 37 18.50 37 18.50 0 0.00 5 Bhind DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Chattarpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Chhindwara DCCB 32 7.95 32 7.95 32 7.95 0 0.00 8 Damoh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 9 Datia DCCB 0 0.00 0 0.00 0 0.00 0 0.00 10 Dewas DCCB 0 0.00 0 0.00 0 0.00 0 0.00 11 Dhar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Guna DCCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Gwalior DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Hoshangabad 14 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 15 Jabalpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 16 Jhabua DCCB 0 0.00 0 0.00 0 0.00 0 0.00 17 Khandwa DCCB 0 0.00 0 0.00 0 0.00 0 0.00 18 Khargone DCCB 38 12.90 38 12.90 19 6.45 0 0.00 19 Mandla DCCB 0 0.00 0 0.00 0 0.00 0 0.00 20 Mandsaur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 21 Morena DCCB 0 0.00 0 0.00 0 0.00 0 0.00 22 Narsinghpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 23 Panna DCCB 0 0.00 0 0.00 0 0.00 0 0.00 24 Raisen DCCB 0 0.00 0 0.00 0 0.00 0 0.00 25 Rajgarh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 26 Ratlam DCCB 0 0.00 0 0.00 0 0.00 0 0.00 27 Rewa DCCB 0 0.00 0 0.00 0 0.00 0 0.00 28 Sagar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 29 Satna DCCB 0 0.00 0 0.00 0 0.00 0 0.00 30 Sehore DCCB 0 0.00 0 0.00 0 0.00 0 0.00 31 Seoni DCCB 0 0.00 0 0.00 0 0.00 0 0.00 32 Shahdol DCCB 0 0.00 0 0.00 0 0.00 0 0.00 33 Shajapur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 34 Shivpuri DCCB 0 0.00 0 0.00 0 0.00 0 0.00

208 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 35 Sidhi DCCB 0 0.00 0 0.00 0 0.00 0 0.00 36 Tikamgarh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 37 Ujjain DCCB 0 0.00 0 0.00 0 0.00 0 0.00 38 Vidisha DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 107 39.35 107 39.35 88 32.90 0 0.00 UTTARAKHAND 1 Almora DCCB 81 37.71 81 37.71 76 32.20 5 5.51 2 Chamoli DCCB 175 44.58 172 43.83 175 44.58 0 0.00 3 Dehradun DCCB 9 11.50 8 10.50 6 6.50 3 5.00 Nainital DCCB 4 238 238.00 238 238.00 238 238.00 0 0.00 (Haldwani) 5 Pithoragarh DCCB 289 170.75 102 64.90 261 152.70 28 18.05 Tehri Garhwal 6 108 67.00 70 41.00 46 25.75 22 15.25 DCCB 7 Uttarakhand STCB 81 44.74 81 44.74 0 0.00 0 0.00 8 Uttarkashi DCCB 237 111.68 167 79.18 1 1.00 0 0.00 Udhamsinghnagar 9 216 137.50 177 118.25 216 137.50 0 0.00 DCCB Garhwal (Kotdwar) 10 296 192.25 296 192.25 296 192.25 0 0.00 DCCB 11 Haridwar DCCB 52 35.25 47 34.00 52 35.25 0 0.00 Total 1782 1090.96 1439 904.36 1367 865.73 58 43.81 UTTAR PRADESH 1 Agra DCCB 0 0.00 0 0.00 0 0.00 0 0.00 2 Aligarh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 3 Allahabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 4 Bahrich DCCB 0 0.00 0 0.00 0 0.00 0 0.00 5 Banda DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Bijnor DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Budaun DCCB 22 15.50 22 15.50 22 15.50 0 0.00 8 Deoria Kasia DCCB 0 0.00 0 0.00 0 0.00 0 0.00 9 Saharanpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 10 Varanasi DCCB 0 0.00 0 0.00 0 0.00 0 0.00 11 Etah DCCB 3 0.42 2 0.30 3 0.42 0 0.00 12 Etawah DCCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Farrukhabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Fatehpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 15 Firozabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 16 Ghaziabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 17 Gorakhpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 18 Hamirpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 19 Hardoi DCCB 0 0.00 0 0.00 0 0.00 0 0.00 20 Jalaun DCCB 0 0.00 0 0.00 0 0.00 0 0.00 21 Azamgarh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 22 Ghazipur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 23 Ballia DCCB 0 0.00 0 0.00 0 0.00 0 0.00 24 Barabanki DCCB 0 0.00 0 0.00 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 209 STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 25 Bareilly DCCB 0 0.00 0 0.00 0 0.00 0 0.00 26 Basti DCCB 0 0.00 0 0.00 0 0.00 0 0.00 27 Bulandsahar DCCB 80 65.64 80 65.64 40 32.82 0 0.00 28 Jaunpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 29 Jhansi DCCB 24 2.49 22 2.24 0 0.00 0 0.00 30 Kanpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Lakhimpur-Khiri 31 0 0.70 0 0.40 0 0.70 0 0.00 DCCB 32 Lalitpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 33 Lucknow DCCB 2 1.12 0 0.00 2 1.12 0 0.00 34 Meerut DCCB 2 7.16 0 0.00 0 0.00 0 0.00 35 Mirzapur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 36 Muradabad DCCB 3 4.09 3 4.09 0 0.00 0 0.00 37 Pratapgarh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 38 Raibareilly DCCB 0 0.00 0 0.00 0 0.00 0 0.00 39 Shahjahanpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Sidharthnagar 40 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 41 Unnao DCCB 0 0.00 0 0.00 0 0.00 0 0.00 42 Mainpuri DCCB 0 0.00 0 0.00 0 0.00 0 0.00 43 Mathura DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Muzaffarnagar 44 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 45 Pilibhit DCCB 5 3.51 5 3.51 0 0.00 0 0.00 46 Rampur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 47 Sultanpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 48 Uttar Pradesh STCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 141 100.63 134 91.68 67 50.56 0 0.00 Total Central 4204 3234.24 3848 3034.24 3011 2428.23 97 81.31 Region EASTERN REGION ANDAMAN & NICOBAR Andaman & Nicobar 1 227 490.21 172 374.61 6 3.20 0 0.00 STCB Total 227 490.21 172 374.61 6 3.20 0 0.00 BIHAR 1 Ara DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Sasaram-Bhabua 2 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 3 Aurangabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 4 Begusarai DCCB 0 0.00 0 0.00 0 0.00 0 0.00 5 Bhagalpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Gopalganj DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Katihar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 8 Khagaria DCCB 0 0.00 0 0.00 0 0.00 0 0.00 9 Magadh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Monghyr-Jamui 10 0 0.00 0 0.00 0 0.00 0 0.00 DCCB

210 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 11 Motihari DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Muzaffarpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Nalanda DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Bettiah DCCB 0 0.00 0 0.00 0 0.00 0 0.00 15 Nawadah DCCB 0 0.00 0 0.00 0 0.00 0 0.00 16 Purnea DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Rohika DCCB, 17 0 0.00 0 0.00 0 0.00 0 0.00 (Madhubani) 18 Samastipur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 19 Sitamarhi DCCB 0 0.00 0 0.00 0 0.00 0 0.00 20 Siwan DCCB 0 0.00 0 0.00 0 0.00 0 0.00 21 Vaishali DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 JHARKHAND 1 Dhanbad DCCB 20 15.00 20 15.00 14 12.00 6 3.00 2 Jharkhand DCCB 161 180.10 161 180.10 0 0.00 0 0.00 Total 181 195.10 181 195.10 14 12.00 6 3.00 ODISHA 1 Cuttack DCCB 1272 3058.42 1272 3058.42 532 802.44 740 2255.98 2 Keonjhar DCCB 528 796.97 528 796.97 528 796.97 0 0.00 3 Nayagarh DCCB 141 275.35 141 275.35 0 0.00 0 0.00 4 Angul United DCCB 1105 1492.13 1105 1492.13 1105 1492.13 0 0.00 5 Aska DCCB 53 63.80 53 63.80 0 0.00 0 0.00 Balasore Bhadrak 6 4358 6715.65 4358 6715.65 0 0.00 0 0.00 DCCB 7 Banki DCCB 0 0.00 0 0.00 0 0.00 0 0.00 8 Berhampore DCCB 136 323.79 136 323.79 43 125.45 29 99.28 Bhawanipatna 9 24 20.80 24 20.80 24 20.80 0 0.00 DCCB 10 Bolangir DCCB 257 229.74 257 229.74 257 229.74 0 0.00 11 Boudh DCCB 13 23.70 13 23.70 0 0.00 0 0.00 12 Khurda DCCB 83 166.28 83 166.28 0 0.00 0 0.00 13 Koraput DCCB 861 808.84 861 808.84 0 0.00 0 0.00 14 Mayurbhanj DCCB 49 74.50 49 74.50 49 74.50 0 0.00 15 Sambalpur DCCB 441 501.03 441 501.03 0 0.00 0 0.00 16 Sundargarh DCCB 3829 4515.89 3829 4515.89 3026 3242.58 803 1273.31 United Puri-Nimapara 17 0 0.00 0 0.00 0 0.00 0 0.00 DCCB Total 13150 19066.89 13150 19066.89 5564 6784.61 1572 3628.57 WEST BENGAL 1 Balageria DCCB 787 1225.38 787 1225.38 0 0.00 0 0.00 2 Bankura DCCB 2545 3326.28 2453 3194.04 2036 2661.02 0 0.00 3 Birbhum DCCB 30 52.49 30 52.49 0 0.00 0 0.00 4 Darjeeling DCCB 8 15.60 0 0.00 0 0.00 0 0.00 5 Hooghly DCCB 16543 16509.65 16543 16509.65 0 0.00 0 0.00 6 Howrah DCCB 3257 4667.24 3201 4586.88 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 211 STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 7 Malda DCCB 3935 5784.41 3935 5784.41 3935 5784.41 0 0.00 8 Murshidabad DCCB 6908 8778.84 6908 8778.84 6792 8501.42 0 0.00 9 Nadia DCCB 30761 32467.46 28426 30003.18 0 0.00 0 0.00 10 Purulia DCCB 161 234.25 161 234.25 112 179.20 49 55.05 11 Raiganj DCCB 1344 3199.48 1344 3199.48 180 257.54 0 0.00 Tamluk Ghatal 12 7961 8103.00 7961 8103.00 0 0.00 0 0.00 DCCB 13 Burdwan DCCB 1236 1102.97 1082 941.60 0 0.00 0 0.00 Dakshin Dinajpur 14 819 819.00 819 819.00 374 374.00 136 136.00 DCCB 15 Jalpaiguri DCCB 18 20.39 18 20.39 0 0.00 0 0.00 16 Mugberia DCCB 5479 6057.29 5056 5739.21 0 0.00 0 0.00 17 West Bengal STCB 2102 2209.86 1909 1897.82 0 0.00 0 0.00 18 Vidyasagar DCCB 5060 6771.05 5034 6739.79 0 0.00 0 0.00 Total 88954 101344.64 85667 97829.41 13429 17757.59 185 191.05 Total Eastern 102512 121096.84 99170 117466.01 19013 24557.40 1763 3822.62 Region NORTH EASTERN REGION ASSAM 1 Assam STCB 962 927.84 954 918.94 962 927.84 0 0.00 Total 962 927.84 954 918.94 962 927.84 0 0.00 MANIPUR 1 Manipur STCB 424 444.60 0 0.00 0 0.00 0 0.00 Total 424 444.60 0 0.00 0 0.00 0 0.00 MIZORAM 1 Mizoram STCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 SIKKIM 1 Sikkim STCB 52 68.50 52 42.70 18 25.80 0 0.00 Total 52 68.50 52 42.70 18 25.80 0 0.00 Total North 1438 1440.94 1006 961.64 980 953.64 0 0.00 Eastern Region NORTHERN REGION CHANDIGARH 1 Chandigarh STCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 HARYANA 1 Ambala DCCB 78 40.00 78 40.00 39 20.00 39 20.00 2 Bhiwani DCCB 0 0.00 0 0.00 0 0.00 0 0.00 3 Faridabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 4 Fatehabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 5 Gurgaon DCCB 2 4.00 2 4.00 0 0.00 2 4.00 6 Hissar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Jhajjar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 8 Jind DCCB 3 3.00 3 3.00 3 3.00 0 0.00 9 Kaithal DCCB 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnal DCCB 0 0.00 0 0.00 0 0.00 0 0.00

212 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 11 Kurukshetra DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Mahendragarh 12 18 14.10 18 14.10 18 14.10 0 0.00 DCCB 13 Panchakula DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Panipat DCCB 17 8.50 17 8.50 0 0.00 0 0.00 15 Rewari DCCB 1 0.50 1 0.50 0 0.00 0 0.00 16 Rohtak DCCB 0 2.00 0 0.00 0 2.00 0 0.00 17 Sirsa DCCB 6 1.50 6 1.50 0 0.00 6 1.50 18 Sonepat DCCB 1 4.00 1 4.00 1 4.00 0 0.00 19 Yamunanagar DCCB 11 4.42 11 4.42 4 1.40 0 0.00 Total 137 82.02 137 80.02 65 44.50 47 25.50 HIMACHAL PRADESH 1 Jogindra DCCB 232 469.41 232 469.41 87 234.01 0 0.00 Himachal Pradesh 2 1266 1898.16 1008 1454.98 1008 1454.98 0 0.00 STCB 3 Kangra DCCB 903 1780.64 890 1755.58 498 1070.26 12 20.00 Total 2401 4148.21 2130 3679.97 1593 2759.25 12 20.00 JAMMU AND KASHMIR 1 Baramulla DCCB 0 0.00 0 0.00 0 0.00 0 0.00 2 Anantnag DCCB 0 0.00 0 0.00 0 0.00 0 0.00 3 Jammu DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Jammu & Kashmir 4 0 0.00 0 0.00 0 0.00 0 0.00 STCB Total 0 0.00 0 0.00 0 0.00 0 0.00 NEW DELHI 1 Delhi STCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 PUNJAB 1 Amritsar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 2 Bhatinda DCCB 0 0.00 0 0.00 0 0.00 0 0.00 3 Faridkot DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Fatehgarh Sahib 4 20 32.46 20 32.46 0 0.00 0 0.00 DCCB 5 Fazilka DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Gurdaspur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Hoshiarpur DCCB 11 9.17 11 9.17 0 0.00 0 0.00 8 Jalandhar DCCB 5 6.72 5 6.72 0 0.00 0 0.00 9 Kapurthala DCCB 5 4.25 5 4.25 0 0.00 0 0.00 10 Ludhiana DCCB 15 13.50 15 13.50 0 0.00 0 0.00 11 Mansa DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Moga DCCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Muktsar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Nawanshahr DCCB 9 5.75 9 5.75 0 0.00 0 0.00 15 Patiala DCCB 30 28.93 30 28.93 13 9.23 0 0.00 16 Ropar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 17 Sangrur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 18 Sas Nagar DCCB 2 2.00 2 2.00 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 213 STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 19 Taran Taran DCCB 5 1.75 5 1.75 0 0.00 0 0.00 Total 102 104.53 102 104.53 13 9.23 0 0.00 RAJASTHAN 1 Ajmer DCCB 5 8.27 5 8.27 5 8.27 0 0.00 2 Baran DCCB 0 0.00 0 0.00 0 0.00 0 0.00 3 Chittorgarh DCCB 29 17.67 28 17.25 0 0.00 0 0.00 4 Dausa DCCB 9 9.64 9 9.64 0 0.00 0 0.00 5 Hanumangarh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Jhunjhunu DCCB 279 342.71 279 342.71 0 0.00 0 0.00 Sawai Madhopur 7 17 9.00 17 9.00 0 0.00 0 0.00 DCCB 8 Alwar DCCB 290 47.77 290 47.77 260 43.01 0 0.00 9 Banswara DCCB 44 43.00 44 43.00 44 43.00 0 0.00 10 Barmer DCCB 28 14.00 28 14.00 0 0.00 0 0.00 11 Bharatpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Bundi DCCB 8 9.95 8 9.95 8 9.95 0 0.00 13 Bhilwara DCCB 4 2.00 4 2.00 0 0.00 0 0.00 14 Bikaner DCCB 27 43.03 27 43.03 0 0.00 0 0.00 15 Tonk DCCB 149 53.68 0 0.00 149 53.68 0 0.00 16 Churu DCCB 7 36.70 7 36.70 0 0.00 0 0.00 17 Dungarpur DCCB 5 3.70 5 3.70 5 3.70 0 0.00 18 Ganganagar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 19 Jaipur DCCB 4 4.00 4 4.00 0 0.00 0 0.00 20 Jaisalmer DCCB 0 0.00 0 0.00 0 0.00 0 0.00 21 Jalore DCCB 2 1.50 2 1.50 2 1.50 0 0.00 22 Jhalawar DCCB 5 7.30 5 7.30 0 0.00 0 0.00 23 Jodhpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 24 Kota DCCB 0 0.00 0 0.00 0 0.00 0 0.00 25 Nagaur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 26 Pali DCCB 0 0.00 0 0.00 0 0.00 0 0.00 27 Rajasthan STCB 0 0.00 0 0.00 0 0.00 0 0.00 28 Sikar DCCB 139 225.03 139 225.03 0 0.00 0 0.00 29 Sirohi DCCB 10 11.80 10 11.80 0 0.00 0 0.00 29 Udaipur DCCB 92 115.00 92 115.00 92 115.00 0 0.00 Total 1153 1005.75 1003 951.65 565 278.11 0 0.00 Total Northern 3793 5340.51 3372 4816.17 2236 3091.09 59 45.50 Region SOUTHERN REGION ANDHRA PRADESH 1 Anantpur DCCB 404 1268.85 404 1268.85 0 0.00 0 0.00 Andhra Pradesh 2 338 374.30 338 374.30 0 0.00 0 0.00 STCB 3 Chittoor DCCB 49 159.67 49 159.67 0 0.00 0 0.00 4 Eluru DCCB 314 1587.26 314 1587.26 0 0.00 0 0.00 5 Kakinada DCCB 30 107.85 30 107.85 30 107.85 0 0.00 6 Kurnool DCCB 74 262.70 74 262.70 74 262.70 0 0.00

214 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 7 Srikakulam DCCB 116 145.72 116 145.72 116 145.72 0 0.00 Visakhapatnam 8 344 1250.96 344 1250.96 344 1250.96 0 0.00 DCCB 9 Vizianagaram DCCB 0 0.00 0 0.00 0 0.00 0 0.00 10 Guntur DCCB 493 1806.75 493 1806.75 0 0.00 0 0.00 11 Kadapa DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Krishna DCCB 2565 14911.40 2565 14911.40 0 0.00 0 0.00 13 Nellore DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Prakasam DCCB 275 878.65 275 878.65 0 0.00 0 0.00 Total 5002 22754.11 5002 22754.11 564 1767.23 0 0.00 KARNATAKA 1 Bagalkot DCCB 101 177.81 96 164.31 33 38.30 28 44.60 2 Mandya DCCB 4165 17814.51 3749 16033.06 3750 16038.76 415 1775.75 3 Belagavi DCCB 672 2026.64 624 1850.40 626 1873.85 46 152.79 4 Bellary DCCB 734 1533.43 719 1503.43 727 1517.18 0 0.00 5 Bengaluru DCCB 625 2316.83 612 2241.60 493 1717.66 0 0.00 6 Chikmagalur DCCB 396 838.00 388 814.00 388 814.00 0 0.00 7 Chitradurga DCCB 477 923.25 473 916.75 477 923.25 0 0.00 8 Dawangere DCCB 536 678.65 520 645.40 536 678.65 0 0.00 9 Bidar DCCB 5650 16832.80 5650 16832.80 0 0.00 0 0.00 Gulbarga And Yadgir 10 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 11 Hassan DCCB 2621 8838.02 2570 8513.33 2389 8006.67 92 293.80 12 Kanara DCCB 643 2117.62 611 2000.47 423 1381.48 188 618.99 Karnataka DCCB 13 507 1222.62 469 1131.12 181 451.40 56 134.70 (Dharwad) 14 Kodagu DCCB 1197 3898.66 913 3046.66 230 690.00 0 0.00 Kolar and 15 Chickaballapur 9100 40316.72 9076 40199.12 0 0.00 0 0.00 DCCB Mysore and 16 Chamarajnagar 201 530.05 199 521.05 7 24.10 0 0.00 DCCB 17 Raichur DCCB 450 782.33 450 782.33 353 581.40 94 196.53 18 Shimoga DCCB 995 3287.85 862 2848.24 821 2676.65 48 149.00 19 South Canara DCCB 5544 10858.55 4800 9584.20 5544 10858.55 0 0.00 20 Tumkur DCCB 1209 4114.89 997 3376.42 976 3302.39 0 0.00 21 Vijayapura DCCB 551 875.00 493 787.50 0 0.00 0 0.00 Total 36374 119984.23 34271 113792.19 17954 51574.29 967 3366.16 KERALA 1 Alappuzha DCCB 141 1290.46 134 1225.94 0 0.00 0 0.00 2 Ernakulam DCCB 219 1499.75 219 1499.75 0 0.00 0 0.00 3 Idukki DCCB 2030 6500.81 1950 5891.81 2030 6500.81 0 0.00 4 Kannur DCCB 54 256.20 34 102.00 27 128.10 0 0.00 5 Kasaragod DCCB 220 1028.77 216 1003.77 220 1028.77 0 0.00 6 Kollam DCCB 408 1980.00 359 1705.00 44 430.00 0 0.00 7 Kottayam DCCB 20 53.36 20 53.36 0 0.00 0 0.00 8 Kozhikode DCCB 50 250.00 36 187.00 36 200.00 14 50.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 215 STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed 9 Malappuram DCCB 195 525.24 195 525.24 102 297.50 0 0.00 10 Palakkad DCCB 9 31.10 9 31.10 0 0.00 0 0.00 Pathanamthitta 11 526 3895.52 504 3840.14 263 1947.76 0 0.00 DCCB Thiruvananthapuram 12 211 1429.04 211 1429.04 211 1429.04 0 0.00 DCCB 13 Wayanad DCCB 892 4604.36 892 4604.36 892 4604.36 0 0.00 14 Thrissur DCCB 319 2137.00 319 2137.00 0 0.00 0 0.00 Total 5294 25481.61 5098 24235.51 3825 16566.34 14 50.00 PUDUCHERRY 1 Pondicherry STCB 45 300.84 45 300.84 45 300.84 0 0.00 Total 45 300.84 45 300.84 45 300.84 0 0.00 TAMIL NADU 1 Chennai DCCB 319 965.82 319 965.82 0 0.00 0 0.00 2 Dindigul DCCB 278 1854.37 277 1844.43 34 64.87 244 1789.50 3 Coimbatore DCCB 1084 5021.44 1071 4985.14 711 3205.78 373 1815.66 4 Cuddalore DCCB 804 2697.40 803 2695.90 593 2033.74 211 663.66 5 Dharmapuri DCCB 402 2898.60 392 2815.72 20 56.79 0 0.00 6 Erode DCCB 1381 5208.36 1380 5204.36 1320 4966.81 61 241.55 Kancheepuram 7 341 2556.03 341 2556.03 0 0.00 0 0.00 DCCB 8 Kanyakumari DCCB 1603 12847.86 1433 12038.44 0 0.00 0 0.00 9 Kumbakonam DCCB 2329 5208.44 2329 5208.44 141 260.10 0 0.00 10 Madurai DCCB 678 3026.29 678 3026.29 493 2212.98 185 813.31 11 Nilgiris DCCB 791 4058.17 786 4038.17 0 0.00 0 0.00 12 Pudukottai DCCB 851 3075.47 849 3065.47 0 0.00 0 0.00 Ramanathapuram 13 316 1713.99 316 1713.99 247 1317.87 69 396.12 DCCB 14 Salem DCCB 4762 15854.03 4524 15061.33 2857 9512.42 1429 4756.21 15 Sivgangai DCCB 1596 6624.55 1596 6624.55 0 0.00 0 0.00 16 Thanjavur DCCB 1847 5369.36 1847 5369.36 1798 5254.56 49 114.80 17 Tiruchirapalli DCCB 3742 16525.37 3691 16353.67 3083 14014.77 659 2510.60 18 Tirunelveli DCCB 622 3269.10 622 3269.10 622 3269.10 0 0.00 Tiruvannamalai 19 3549 10561.26 3542 10540.22 3549 10561.26 0 0.00 DCCB 20 Vellore DCCB 1719 6831.64 1719 6831.64 0 0.00 834 1361.19 21 Villupuram DCCB 115 373.05 115 373.05 115 373.05 0 0.00 22 Virudhunagar DCCB 954 3195.55 954 3195.55 0 0.00 0 0.00 23 Thoothukudi DCCB 1078 6577.69 1077 6576.69 941 6151.38 137 426.31 TOTAL 31161 126313.84 30661 124353.36 16524 63255.48 4251 14888.91 TELANGANA 1 Adilabad DCCB 123 396.14 112 362.66 123 396.14 0 0.00 2 Khammam DCCB 126 501.22 126 501.22 126 501.22 0 0.00 3 Medak DCCB 2588 16178.95 2588 16178.95 0 0.00 0 0.00 4 Warangal DCCB 0 0.00 0 0.00 0 0.00 0 0.00 5 Hyderabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Karimnagar DCCB 2028 5492.35 1014 0.00 0 0.00 0 0.00

216 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - IV - C (contd.)

(Amt. R lakh) Out of Total - Loan Out of Total - Loan Total Loans disbursed Out of Total SHGs - disbursed to Exclusive disbursed under NRLM/ Sr. during the year Under NULM/SJSRY Name of Bank Women SHGs SGSY No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs Disbursed SHGs Disbursed SHGs Disbursed SHGs Disbursed Mahbubnagar 7 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 8 Nalgonda DCCB 32 178.30 32 178.30 0 0.00 0 0.00 9 Nizamabad DCCB 719 3345.07 719 3345.07 0 0.00 0 0.00 10- Telangana STCB 1272 3127.60 1261 3113.00 0 0.00 1272 3127.60 Total 6888 29219.63 5852 23679.20 249 897.36 1272 3127.60 Total Southern 84764 324054.26 80929 309115.21 39161 134361.54 6504 21432.67 Region WESTERN REGION GOA 1 Goa STCB 69 309.83 68 308.87 0 0.00 0 0.00 Total 69 309.83 68 308.87 0 0.00 0 0.00 GUJARAT 1 Banaskantha DCCB 1 1.00 1 1.00 1 1.00 0 0.00 2 Bhavnagar DCCB 5 50.50 3 30.00 0 0.00 0 0.00 3 Mehsana DCCB 60 232.00 60 232.00 0 0.00 0 0.00 4 Panchmahals DCCB 10 8.50 10 8.50 0 0.00 0 0.00 5 Rajkot DCCB 367 481.50 367 481.50 40 50.00 0 0.00 6 Sabarkantha DCCB 22 33.25 22 33.25 0 0.00 0 0.00 7 Surat DCCB 167 87.10 167 87.10 0 0.00 0 0.00 8 Ahmedabad DCCB 62 43.25 62 43.25 62 43.25 0 0.00 9 Amreli DCCB 24 12.50 24 12.50 0 0.00 0 0.00 10 Baroda DCCB 0 0.00 0 0.00 0 0.00 0 0.00 11 Bharuch DCCB 63 407.19 27 161.34 0 0.00 0 0.00 12 Gujarat STCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Jamnagar DCCB 3 6.00 3 6.00 0 0.00 0 0.00 14 Junagadh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 15 Kachchh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 16 Kaira DCCB 0 0.00 0 0.00 0 0.00 0 0.00 17 Kodinar DCCB 98 76.38 98 76.38 0 0.00 0 0.00 Surendranagar 18 0 0.00 0 0.00 0 0.00 0 0.00 DCCB 19 Valsad DCCB 2 3.00 2 3.00 0 0.00 0 0.00 Total 884 1442.17 846 1175.82 103 94.25 0 0.00 MAHARASHTRA 1 Akola DCCB 141 131.21 141 131.21 124 124.00 0 0.00 2 Amrawati DCCB 77 71.90 68 64.85 0 0.00 0 0.00 3 Aurangabad DCCB 6 9.30 5 6.30 0 0.00 0 0.00 4 Beed DCCB 0 0.00 0 0.00 0 0.00 0 0.00 5 Bhandara DCCB 656 687.20 656 687.20 621 583.58 0 0.00 6 Buldhana DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Chandrapur DCCB 3510 4172.72 3510 4172.72 2503 2507.88 604 485.20 Dhule & Nandurbar 8 364 589.35 319 531.45 0 0.00 0 0.00 DCCB 9 Gadchiroli DCCB 2321 1526.05 2315 1521.95 1427 730.25 0 0.00 10 Jalna DCCB 11 25.11 9 19.79 0 0.00 0 0.00 11 Kolhapur DCCB 428 560.68 428 560.68 224 308.25 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 217 STATEMENT - IV - C (contd.)

218 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I)

Progress under Microﬁnance - Bank Loans outstanding against SHGs as on 31 March 2020 - Public Sector Com. Banks (Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs CENTRAL REGION CHHATTISGARH 1 Allahabad Bank 1634 1391.35 1586 1348.12 1509 1305.34 111 79.00 2 Andhra Bank 146 131.78 143 130.72 106 102.20 37 28.52 3 Bank of Baroda 8145 6000.83 7483 5595.78 4047 2125.86 271 65.23 4 Bank of India 1981 1284.00 1981 1284.00 1539 1034.00 442 250.00 Bank of 5 1053 992.29 614 543.91 886 846.07 142 118.12 Maharashtra 6 Canara Bank 1614 1182.53 1596 1157.50 719 592.94 648 378.91 Central Bank of 7 5701 7129.56 567 879.79 567 879.79 4 5.21 India 8 Corporation Bank 221 165.12 144 105.52 85 37.07 13 6.32 9 Indian Bank 129 222.00 126 218.00 62 141.00 21 12.00 Indian Overseas 10 931 802.29 907 759.44 426 295.79 118 65.49 Bank Oriental Bank of 11 304 258.48 246 196.95 191 172.20 92 54.90 Commerce Punjab and Sind 12 88 60.37 80 47.90 47 26.86 41 33.51 Bank Punjab National 13 4057 4070.27 4000 4013.08 2836 3012.91 233 192.61 Bank 14 State Bank of India 7720 10645.00 7064 9739.00 6230 9037.00 109 157.00 15 Syndicate Bank 415 139.20 415 139.20 75 72.25 25 18.95 16 Uco Bank 2582 1425.00 1959 1191.52 1703 937.86 822 460.96 17 Union Bank of India 1984 1264.00 930 662.00 1869 1187.00 41 31.00 Total 38705 37164.07 29841 28012.43 22897 21806.14 3170 1957.73 MADHYA PRADESH 1 Allahabad Bank 1371 723.36 1209 498.90 1187 485.12 39 32.74 2 Andhra Bank 70 29.36 70 29.36 64 27.04 6 2.32 3 Bank of Baroda 1372 1283.75 1109 1072.31 888 723.75 19 3.10 4 Bank of India 23901 9547.00 18382 6974.00 9143 4139.00 7275 3120.00 Bank of 5 1409 892.69 458 307.21 761 469.82 512 321.38 Maharashtra 6 Canara Bank 988 803.57 988 803.57 71 36.14 635 498.80 Central Bank of 7 8399 5073.24 1537 836.67 1537 836.67 17 15.46 India 8 Corporation Bank 32 13.08 16 4.89 10 1.93 2 0.35 9 Indian Bank 555 1180.00 544 1156.00 21 19.00 2 2.00 Indian Overseas 10 15 99.15 4 2.00 2 0.46 1 0.01 Bank Oriental Bank of 11 71 58.54 48 24.72 30 34.56 33 14.41 Commerce Punjab and Sind 12 105 217.36 53 136.54 16 30.05 89 187.31 Bank

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 219 STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Punjab National 13 2973 2936.26 2939 2891.92 1875 1610.39 99 77.50 Bank 14 State Bank of India 4891 5594.00 4841 5537.00 1876 1976.00 167 183.00 15 Syndicate Bank 550 351.29 521 334.54 95 42.00 86 63.00 16 Uco Bank 3743 1923.41 2596 1469.22 1433 943.15 2203 950.03 17 Union Bank of India 2322 1708.00 843 685.00 2057 812.00 110 146.00 Total 52767 32434.06 36158 22763.85 21066 12187.08 11295 5617.41 UTTARAKHAND 1 Allahabad Bank 162 111.60 59 29.71 49 24.24 13 6.75 2 Andhra Bank 7 3.34 7 3.34 7 3.34 0 0.00 3 Bank of Baroda 492 252.87 402 186.72 409 187.34 0 0.00 4 Bank of India 19 12.00 14 8.00 19 12.00 0 0.00 Bank of 5 14 11.85 0 0.00 2 0.75 12 11.10 Maharashtra 6 Canara Bank 422 311.34 409 299.59 27 6.46 237 190.57 Central Bank of 7 70 22.16 3 0.00 3 0.00 0 0.00 India 8 Corporation Bank 22 10.10 22 10.10 20 9.75 2 0.35 9 Indian Bank 3 1.00 3 1.00 0 0.00 0 0.00 Indian Overseas 10 112 123.38 95 77.32 8 1.45 0 0.00 Bank Oriental Bank of 11 114 50.85 100 37.50 79 30.35 3 3.86 Commerce Punjab and Sind 12 140 73.59 139 60.78 131 66.50 9 7.09 Bank Punjab National 13 1024 559.67 998 548.09 154 48.21 36 20.94 Bank 14 State Bank of India 1113 1982.00 1113 1982.00 842 1253.00 15 26.00 15 Syndicate Bank 189 149.61 189 149.61 27 16.17 12 8.32 16 Uco Bank 322 201.58 260 159.23 172 108.36 112 79.56 17 Union Bank of India 382 307.00 358 178.00 346 260.00 0 0.00 Total 4607 4183.94 4171 3730.99 2295 2027.92 451 354.54 UTTAR PRADESH 1 Allahabad Bank 6921 7318.40 3927 1329.90 3512 1052.41 353 148.72 2 Andhra Bank 114 7.40 113 7.40 99 3.95 14 3.45 3 Bank of Baroda 8771 5565.87 5423 3040.64 5380 2521.59 101 12.81 4 Bank of India 1556 875.00 1145 690.00 1307 739.00 202 119.00 Bank of 5 216 343.94 20 44.13 33 49.66 180 258.26 Maharashtra 6 Canara Bank 1668 1301.68 1622 1252.49 639 334.23 695 707.72 Central Bank of 7 2902 1930.49 329 206.62 329 206.62 17 15.92 India 8 Corporation Bank 68 36.58 42 10.89 33 6.08 2 6.26

220 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 9 Indian Bank 376 435.00 368 426.00 12 24.00 11 26.00 Indian Overseas 10 316 561.77 223 262.54 78 17.52 2 1.51 Bank Oriental Bank of 11 541 277.00 394 131.19 380 171.89 53 23.60 Commerce Punjab and Sind 12 560 440.54 489 358.74 498 388.09 62 52.45 Bank Punjab National 13 5021 4117.10 4873 4006.04 1040 409.56 276 170.00 Bank 14 State Bank of India 2262 948.00 2262 948.00 1086 448.00 49 19.00 15 Syndicate Bank 1328 821.57 1274 788.75 200 382.15 289 131.28 16 Uco Bank 3225 1806.57 2767 1575.66 1486 663.28 1554 1098.40 17 Union Bank of India 4141 5852.00 3556 4952.00 3698 2567.00 300 447.00 United Bank of 18 0 0.00 0 0.00 0 0.00 0 0.00 India Total 39986 32638.91 28827 20030.99 19810 9985.03 4160 3241.38 Total Central 136065 106420.98 98997 74538.26 66068 46006.17 19076 11171.06 Region EASTERN REGION ANDAMAN & NICOBAR 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank Of Baroda 8 14.94 8 14.94 0 0.00 0 0.00 3 Bank Of India 0 0.00 0 0.00 0 0.00 0 0.00 4 Canara Bank 5 10.20 5 10.20 0 0.00 0 0.00 Central Bank Of 5 0 0.00 0 0.00 0 0.00 0 0.00 India 6 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 INDIAN 7 0 0.00 0 0.00 0 0.00 0 0.00 OVERSEAS BANK Oriental Bank Of 8 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab National 9 1 0.21 1 0.21 0 0.00 0 0.00 Bank 10 State Bank Of India 20 35.00 20 35.00 20 35.00 0 0.00 11 Syndicate Bank 2 3.60 2 3.60 0 0.00 0 0.00 12 Uco Bank 8 4.85 5 3.20 0 0.00 8 4.85 Union Bank Of 13 0 0.00 0 0.00 0 0.00 0 0.00 India Total 44 68.80 41 67.15 20 35.00 8 4.85 BIHAR 1 Allahabad Bank 6144 3750.89 5628 3311.32 5504 3226.00 150 105.30 2 Andhra Bank 5 3.61 5 3.61 3 2.40 2 1.21 3 Bank of Baroda 24777 33668.72 23241 32133.43 11841 1011.12 251 162.15 4 Bank of India 16185 15104.00 14363 13793.00 16185 15104.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 221 STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Bank of 5 0 0.00 0 0.00 0 0.00 0 0.00 Maharashtra 6 Canara Bank 10747 10409.57 10532 10036.17 2350 2936.97 70 33.98 Central Bank of 7 44278 38194.72 4421 3449.53 4421 3449.53 7 15.85 India 8 Corporation Bank 6 0.13 6 0.13 6 0.13 0 0.00 9 Indian Bank 2650 3394.00 2597 3326.00 97 135.00 200 165.00 Indian Overseas 10 368 358.09 342 335.16 25 24.14 24 24.23 Bank Oriental Bank of 11 9 3.48 5 1.86 1 0.45 8 3.03 Commerce Punjab and Sind 12 3 2.22 3 2.22 0 0.00 3 2.22 Bank Punjab National 13 40369 37232.60 39222 36140.84 25082 25361.98 737 625.47 Bank 14 State Bank of India 109466 178525.00 106372 173479.00 105459 173401.00 1059 1708.00 15 Syndicate Bank 1700 1542.58 1649 1487.58 175 79.80 32 7.78 16 Uco Bank 29048 27609.77 26206 25291.43 20047 17175.26 440 196.16 17 Union Bank of India 2659 1755.00 1814 1714.00 2637 1732.00 0 0.00 United Bank of 18 2378 1041.00 2378 1041.00 2297 953.00 44 48.00 India Total 290792 352595.38 238784 305546.28 196130 244592.78 3027 3098.38 JHARKHAND 1 Allahabad Bank 3256 2118.32 2950 1659.97 2873 1619.35 80 40.63 2 Andhra Bank 22 6.41 22 6.41 17 4.25 5 2.16 3 Bank of Baroda 2213 1195.36 2081 1010.44 1521 562.14 69 72.91 4 Bank of India 24595 12261.00 24595 12261.00 14843 7882.00 576 228.00 Bank of 5 4 2.49 0 0.00 1 1.01 3 1.48 Maharashtra 6 Canara Bank 4284 6012.08 4113 5891.84 3932 5772.67 172 112.83 Central Bank of 7 2403 1738.82 131 113.65 131 113.65 0 0.00 India 8 Corporation Bank 32 25.95 28 22.98 26 21.24 2 1.74 9 Indian Bank 394 677.00 386 663.00 377 658.00 17 19.00 Indian Overseas 10 294 167.48 284 161.48 178 72.98 3 2.74 Bank Oriental Bank of 11 3 2.32 2 2.00 0 0.00 1 1.00 Commerce Punjab and Sind 12 17 30.22 15 25.71 10 5.98 7 24.24 Bank Punjab National 13 4636 3090.25 4619 3067.01 3356 1646.92 115 67.17 Bank 14 State Bank of India 18565 19969.00 18424 19816.00 15816 17423.00 42 42.00 15 Syndicate Bank 461 428.47 413 417.85 101 22.56 22 8.65

222 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 16 Uco Bank 2929 1230.12 2532 1118.97 2391 954.70 458 234.75 17 Union Bank of India 3955 2458.00 1940 1055.00 3762 1334.00 27 27.00 United Bank of 18 2509 943.00 2509 943.00 2416 844.00 37 40.00 India Total 70572 52356.29 65044 48236.31 51751 38938.45 1636 926.30 ODISHA 1 Allahabad Bank 4568 4880.55 4361 4601.10 4195 4390.94 247 268.26 2 Andhra Bank 6082 5757.18 6030 5707.16 5505 5190.50 525 516.66 3 Bank of Baroda 6287 7367.31 5772 6531.12 5103 5702.48 527 323.42 4 Bank of India 15811 14625.00 15811 14625.00 15606 14337.00 205 288.00 Bank of 5 38 57.23 8 15.26 7 11.53 29 37.96 Maharashtra 6 Canara Bank 8358 9192.62 8191 8916.84 5189 5521.29 446 324.75 Central Bank of 7 4861 5714.15 253 264.52 253 264.52 2 0.20 India 8 Corporation Bank 262 341.57 194 235.21 164 177.14 5 18.94 9 Indian Bank 5069 5542.00 4968 5431.00 3600 3868.00 174 284.00 Indian Overseas 10 7347 10045.66 6947 7219.18 4358 3877.05 224 193.56 Bank Oriental Bank of 11 258 295.36 235 262.20 123 121.27 69 91.89 Commerce Punjab and Sind 12 39 58.77 39 58.77 23 30.06 16 28.71 Bank Punjab National 13 5797 5694.31 5737 5632.17 3538 3571.86 709 692.04 Bank 14 State Bank of India 52030 84238.00 51046 82643.00 45930 75598.00 1285 2053.00 15 Syndicate Bank 2940 3062.63 2725 2869.63 395 865.45 115 115.25 16 Uco Bank 32769 30604.23 28243 27339.43 28114 27362.93 3186 1813.21 17 Union Bank of India 4383 4119.00 2003 1924.00 3675 3598.00 43 28.00 United Bank of 18 8345 8336.00 8345 8336.00 7718 7605.00 81 85.00 India Total 165244 199931.57 150908 182611.59 133496 162093.02 7888 7162.85 WEST BENGAL 1 Allahabad Bank 59660 74332.58 58359 73749.47 56903 72600.21 1945 1613.49 2 Andhra Bank 418 338.90 417 336.57 296 265.17 121 71.40 3 Bank of Baroda 9145 8256.24 6859 6235.56 5612 5836.23 121 74.56 4 Bank of India 14187 15509.00 14072 15451.00 11775 11796.00 298 321.00 Bank of 5 5 3.83 4 1.94 5 3.83 0 0.00 Maharashtra 6 Canara Bank 8904 11214.61 8726 10990.31 3949 5044.49 61 51.48 Central Bank of 7 40484 50257.40 5139 5778.89 5139 5778.89 0 0.00 India 8 Corporation Bank 87 496.45 77 190.74 30 24.20 18 305.27

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 223 STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 9 Indian Bank 1739 2963.00 1704 2904.00 1166 2033.00 37 57.00 Indian Overseas 10 2990 3023.28 2859 2874.94 917 755.76 339 220.28 Bank Oriental Bank of 11 434 322.31 374 283.97 220 178.58 108 78.40 Commerce Punjab and Sind 12 93 84.71 93 84.71 1 1.50 92 83.21 Bank Punjab National 13 20611 32275.95 20394 31924.72 16316 27660.16 1003 1388.79 Bank 14 State Bank of India 78245 161639.00 77609 160324.00 71643 149818.00 1394 2794.00 15 Syndicate Bank 4701 5756.66 3646 5091.30 535 634.03 65 203.33 16 Uco Bank 29373 36390.35 26305 32810.35 21197 29006.48 2103 492.34 17 Union Bank of India 7291 7637.00 7005 5480.00 7084 6581.00 44 37.00 United Bank of 18 114742 122158.00 114742 122158.00 113107 120733.00 409 398.00 India Total 393109 532659.27 348384 476670.47 315895 438750.53 8158 8189.55 Total Eastern 919761 1137611.31 803161 1013131.80 697292 884409.78 20717 19381.93 Region NORTH EASTERN REGION ARUNACHAL PRADESH 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 3 3.00 3 3.00 0 0.00 0 0.00 Bank of 4 1 3.41 1 3.41 0 0.00 0 0.00 Maharashtra 5 Canara Bank 0 0.00 0 0.00 0 0.00 0 0.00 Central Bank of 6 2 19.71 1 0.70 1 0.70 0 0.00 India 7 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 8 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Punjab National 11 63 53.63 62 52.72 59 44.71 0 0.00 Bank 12 State Bank of India 147 68.00 147 68.00 6 11.00 0 0.00 13 Syndicate Bank 6 20.56 6 20.56 0 0.00 0 0.00 14 Uco Bank 2 0.06 1 0.00 1 0.06 0 0.00 Total 224 168.37 221 148.39 67 56.47 0 0.00 ASSAM 1 Allahabad Bank 2757 2086.57 2535 1864.51 2517 1853.06 72 59.41 2 Bank of Baroda 657 792.61 438 528.28 250 221.04 0 0.00

224 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 3 Bank of India 516 482.00 506 411.00 296 380.00 0 0.00 Bank of 4 77 119.04 64 75.78 73 106.49 2 1.47 Maharashtra 5 Canara Bank 272 271.31 258 257.07 112 111.91 38 35.73 Central Bank of 6 3496 2900.77 348 298.91 348 298.91 0 0.00 India 7 Corporation Bank 17 24.28 10 15.17 8 14.21 1 0.42 8 Indian Bank 338 235.00 331 230.00 60 53.00 9 8.00 Indian Overseas 9 510 1038.60 462 469.87 52 69.38 5 1.61 Bank Oriental Bank of 10 8 5.60 8 5.60 7 5.50 0 0.00 Commerce Punjab and Sind 11 40 20.24 35 15.90 14 3.56 26 16.68 Bank Punjab National 12 736 745.18 704 715.97 258 167.41 22 16.83 Bank 13 State Bank of India 5025 8159.00 5025 8159.00 3537 5760.00 77 125.00 14 Syndicate Bank 270 329.49 270 329.49 30 17.50 32 21.20 15 Uco Bank 8963 7150.51 8361 6852.53 7826 6823.70 343 200.93 16 Union Bank of India 1409 754.00 872 484.00 859 354.00 5 8.00 United Bank of 17 10132 6148.00 10132 6148.00 9817 5848.00 121 118.00 India Total 35223 31262.20 30359 26861.08 26064 22087.67 753 613.28 MANIPUR 1 Allahabad Bank 1 2.00 1 2.00 1 2.00 0 0.00 2 Bank of Baroda 54 57.48 34 30.16 0 0.00 0 0.00 3 Bank of India 16 22.00 16 22.00 16 14.00 0 0.00 Bank of 4 0 0.00 0 0.00 0 0.00 0 0.00 Maharashtra 5 Canara Bank 18 18.34 18 18.34 12 7.80 4 4.90 Central Bank of 6 72 66.77 4 2.70 4 2.70 0 0.00 India 7 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 8 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Punjab National 11 1 0.83 1 0.83 0 0.00 0 0.00 Bank 12 State Bank of India 81 134.00 81 134.00 32 62.00 1 1.00 13 Uco Bank 89 53.32 85 53.15 70 42.19 2 0.00 Total 332 354.74 240 263.18 135 130.69 7 5.90

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 225 STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs MEGHALAYA 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 4 Canara Bank 33 18.36 33 18.36 0 0.00 5 2.69 Central Bank of 5 0 0.00 0 0.00 0 0.00 0 0.00 India 6 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 7 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 8 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab National 9 7 1.10 7 1.10 4 0.55 0 0.00 Bank 10 State Bank of India 128 159.00 128 159.00 84 97.00 1 2.00 11 Syndicate Bank 0 0.00 0 0.00 0 0.00 0 0.00 12 Uco Bank 27 15.53 22 14.37 11 9.86 12 5.11 13 Union Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Total 195 193.99 190 192.83 99 107.41 18 9.80 MIZORAM 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Bank of 4 0 0.00 0 0.00 0 0.00 0 0.00 Maharashtra 5 Canara Bank 49 50.83 49 50.83 0 0.00 47 43.06 Central Bank of 6 1 0.11 0 0.00 0 0.00 0 0.00 India 7 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 8 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab National 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank 11 State Bank of India 75 134.00 75 134.00 63 115.00 12 19.00 12 Syndicate Bank 0 0.00 0 0.00 0 0.00 0 0.00 13 Uco Bank 30 24.12 22 18.37 9 5.61 21 18.51 Total 155 209.06 146 203.20 72 120.61 80 80.57 NAGALAND 1 Allahabad Bank 1 2.98 1 2.98 1 2.98 0 0.00 2 Bank of Baroda 68 66.23 37 37.73 0 0.00 0 0.00 3 Bank of India 6 2.00 6 2.00 0 0.00 0 0.00

226 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Bank of 4 1 3.96 0 0.00 0 0.00 1 3.96 Maharashtra 5 Canara Bank 1 0.62 1 0.62 0 0.00 0 0.00 Central Bank of 6 94 71.98 1 0.00 1 0.00 0 0.00 India 7 Indian Bank 3 3.00 3 3.00 0 0.00 0 0.00 Indian Overseas 8 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Punjab National 11 0 0.00 0 0.00 0 0.00 0 0.00 Bank 12 State Bank of India 408 616.00 408 616.00 387 575.00 0 0.00 13 Uco Bank 90 62.54 64 42.78 32 15.45 58 47.09 14 Union Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Total 672 829.31 521 705.11 421 593.43 59 51.05 SIKKIM 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 4 Canara Bank 64 93.92 64 93.92 14 8.46 3 4.09 Central Bank of 5 245 162.91 8 3.91 8 3.91 0 0.00 India 6 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 7 7 4.01 7 4.01 1 0.31 0 0.00 Bank Oriental Bank of 8 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab National 9 0 0.00 0 0.00 0 0.00 0 0.00 Bank 10 State Bank of India 577 971.00 577 971.00 523 860.00 0 0.00 11 Syndicate Bank 11 9.31 11 9.31 11 9.31 0 0.00 12 Uco Bank 25 21.44 15 10.83 6 5.12 16 16.32 13 Union Bank of India 150 83.00 130 73.00 146 65.00 0 0.00 Total 1079 1345.59 812 1165.98 709 952.11 19 20.41 TRIPURA 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 21 10.68 7 3.15 21 10.68 0 0.00 3 Bank of India 51 37.00 51 37.00 51 30.00 0 0.00 Bank of 4 4 6.11 3 4.47 0 0.00 3 4.58 Maharashtra

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 227 STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 5 Canara Bank 47 46.23 47 46.23 11 4.01 22 25.24 Central Bank of 6 14 10.38 0 0.00 0 0.00 0 0.00 India 7 Indian Bank 1 1.00 1 1.00 1 1.00 0 0.00 Indian Overseas 8 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Punjab National 11 0 0.00 0 0.00 0 0.00 0 0.00 Bank 12 State Bank of India 172 292.00 172 292.00 95 153.00 0 0.00 13 Uco Bank 362 254.79 328 232.58 236 187.09 106 64.35 14 Union Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 United Bank of 15 2187 1189.00 2187 1189.00 2096 1091.00 27 30.00 India Total 2859 1847.19 2796 1805.43 2511 1476.78 158 124.17 Total North 40739 36210.45 35285 31345.20 30078 25525.17 1094 905.18 Eastern Region NORTHERN REGION CHANDIGARH 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 84 54.18 33 53.80 14 49.86 0 2.88 Bank of 4 1 2.35 0 0.00 0 0.00 1 2.35 Maharashtra 5 Canara Bank 2 0.80 2 0.80 0 0.00 1 0.32 Central Bank of 6 0 0.00 0 0.00 0 0.00 0 0.00 India 7 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 8 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 9 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 10 3 2.97 1 0.15 0 0.00 3 2.97 Bank Punjab National 11 16 2.58 16 2.58 0 0.00 4 0.63 Bank 12 State Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 13 Uco Bank 4 0.72 2 0.00 0 0.00 4 0.72 14 Union Bank of India 40 75.00 32 65.00 20 21.00 7 3.00 Total 150 138.60 86 122.33 34 70.86 20 12.87

228 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs HARYANA 1 Allahabad Bank 138 74.26 121 52.46 111 47.35 13 8.96 2 Andhra Bank 88 143.97 88 143.97 82 140.91 6 3.06 3 Bank of Baroda 41 26.35 39 24.09 19 17.65 3 1.38 4 Bank of India 298 258.00 95 142.00 71 99.00 0 0.00 Bank of 5 41 144.05 17 12.93 21 16.37 20 127.68 Maharashtra 6 Canara Bank 435 321.20 420 310.14 202 159.83 105 74.61 Central Bank of 7 547 356.78 31 31.45 31 31.45 0 0.00 India 8 Corporation Bank 117 87.90 82 57.74 76 53.47 2 0.96 9 Indian Bank 50 37.00 49 36.00 21 22.00 1 1.00 Indian Overseas 10 68 270.91 58 262.73 0 0.00 8 3.32 Bank Oriental Bank of 11 530 355.01 429 247.07 397 207.77 39 29.49 Commerce Punjab and Sind 12 273 287.69 254 261.96 241 244.49 32 43.20 Bank Punjab National 13 4376 3267.04 4324 3220.46 2172 1466.57 184 138.00 Bank 14 State Bank of India 1154 1758.00 1154 1758.00 768 1133.00 38 55.00 15 Syndicate Bank 514 526.43 468 482.43 514 526.43 0 0.00 16 Uco Bank 474 226.89 388 197.42 248 116.21 216 103.24 17 Union Bank of India 190 188.00 170 132.00 178 147.00 0 0.00 Total 9334 8329.48 8187 7372.85 5152 4429.50 667 589.90 HIMACHAL PRADESH 1 Allahabad Bank 19 18.06 16 15.12 7 5.71 9 9.38 2 Andhra Bank 1 0.39 1 0.39 0 0.00 1 0.39 3 Bank of Baroda 19 23.33 12 19.22 4 4.33 0 0.00 4 Bank of India 97 78.00 41 31.00 17 26.00 0 0.00 Bank of 5 14 11.07 8 5.62 9 7.25 5 3.82 Maharashtra 6 Canara Bank 174 181.28 170 175.84 116 140.01 44 33.25 Central Bank of 7 182 195.16 25 17.66 25 17.66 0 0.00 India 8 Corporation Bank 4 8.80 4 8.80 3 1.97 1 6.83 9 Indian Bank 11 8.00 11 8.00 9 6.00 0 0.00 Indian Overseas 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 11 14 12.09 12 11.34 5 7.14 5 3.57 Commerce Punjab and Sind 12 37 126.76 37 126.76 30 42.76 7 84.00 Bank

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 229 STATEMENT - V - A (I) (contd.)

(Amt. R lakh)

Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Punjab National 13 1812 1918.69 1781 1896.44 882 942.20 235 252.67 Bank 14 State Bank of India 679 1487.00 618 1352.00 514 1220.00 1 2.00 15 Syndicate Bank 7 13.29 5 11.62 0 0.00 3 5.29 16 Uco Bank 1065 1130.79 710 745.47 873 998.39 107 77.55 17 Union Bank of India 24 25.00 20 20.00 21 20.00 0 0.00 Total 4159 5237.71 3471 4445.28 2515 3439.42 418 478.75 JAMMU AND KASHMIR 1 Allahabad Bank 7 1.74 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Bank of 4 3 3.75 0 0.00 0 0.00 3 3.75 Maharashtra 5 Canara Bank 105 103.61 105 103.61 0 0.00 105 103.61 Central Bank of 6 28 58.14 0 0.00 0 0.00 0 0.00 India 7 Corporation Bank 21 3.53 14 2.40 14 2.40 0 0.00 8 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 9 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 10 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 11 22 19.47 8 4.42 17 12.20 5 7.27 Bank Punjab National 12 673 759.33 670 758.25 569 672.36 6 4.13 Bank 13 State Bank of India 306 768.00 286 719.00 235 687.00 0 0.00 14 Uco Bank 106 80.18 77 59.02 2 0.00 104 80.18 15 Union Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Total 1271 1797.75 1160 1646.70 837 1373.96 223 198.94 NEW DELHI 1 Allahabad Bank 4 2.56 4 2.56 3 2.56 1 0.00 2 Andhra Bank 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of Baroda 6 5.89 0 0.00 2 0.62 2 0.89 4 Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 Bank of 5 3 20.92 0 0.00 1 3.90 2 17.02 Maharashtra 6 Canara Bank 22 86.20 17 66.37 0 0.00 0 0.00 Central Bank of 7 1 4.61 0 0.00 0 0.00 0 0.00 India 8 Corporation Bank 45 218.53 38 180.19 0 0.00 0 0.00 9 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00

230 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Indian Overseas 10 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 11 2 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 12 1 0.03 1 0.03 0 0.00 1 0.03 Bank Punjab National 13 69 57.52 62 32.95 1 0.22 0 0.00 Bank 14 State Bank of India 46 105.00 0 0.00 8 3.00 3 7.00 15 Syndicate Bank 0 0.00 0 0.00 0 0.00 0 0.00 16 Uco Bank 1 0.35 1 0.35 0 0.00 1 0.35 17 Union Bank of India 40 126.00 30 100.00 33 115.00 2 2.00 Total 240 627.61 153 382.45 48 125.30 12 27.29 PUNJAB 1 Allahabad Bank 8 7.33 5 3.54 5 3.54 0 0.00 2 Bank of Baroda 34 38.02 29 33.17 18 18.88 1 0.26 3 Bank of India 16 4.00 13 4.00 11 3.00 0 0.00 Bank of 4 23 55.69 2 0.92 5 36.35 18 19.34 Maharashtra 5 Canara Bank 160 117.89 114 88.90 24 41.48 117 36.16 Central Bank of 6 25 22.31 4 4.36 4 4.36 0 0.00 India 7 Corporation Bank 8 4.83 7 4.83 5 4.14 0 0.00 8 Indian Bank 71 114.00 70 112.00 4 1.00 1 1.00 Indian Overseas 9 14 284.21 11 10.03 0 0.00 0 0.00 Bank Oriental Bank of 10 129 94.13 95 50.78 82 35.51 14 1.06 Commerce Punjab and Sind 11 390 532.25 321 435.02 381 509.53 9 22.72 Bank Punjab National 12 1072 640.27 1054 628.16 258 130.64 71 42.83 Bank 13 State Bank of India 876 914.00 876 914.00 256 351.00 9 9.00 14 Syndicate Bank 5 2.83 4 2.57 0 0.00 2 0.35 15 Uco Bank 258 123.08 194 96.53 181 65.33 36 19.82 16 Union Bank of India 86 8277.00 79 8214.00 55 29.00 3 2.00 Total 3175 11231.84 2878 10602.81 1289 1233.76 281 154.54 RAJASTHAN 1 Allahabad Bank 196 36.36 192 34.85 187 34.35 8 2.01 2 Andhra Bank 70 31.83 70 31.83 64 25.71 6 6.12 3 Bank of Baroda 11657 9263.58 10666 8483.58 9933 7250.70 223 84.30 4 Bank of India 404 260.00 292 178.00 372 228.00 0 0.00 Bank of 5 103 81.82 9 3.41 13 6.01 89 75.68 Maharashtra

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 231 STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 6 Canara Bank 556 274.92 512 253.79 15 10.84 396 186.12 Central Bank of 7 2210 897.83 202 87.42 202 87.42 5 0.29 India 8 Corporation Bank 35 16.10 17 6.15 13 4.97 0 0.00 9 Indian Bank 99 58.00 97 57.00 33 19.00 0 0.00 Indian Overseas 10 133 457.27 124 40.09 96 31.81 0 0.00 Bank Oriental Bank of 11 92 39.59 87 34.59 64 29.19 13 1.80 Commerce Punjab and Sind 12 49 55.83 20 25.62 29 30.51 20 25.32 Bank Punjab National 13 4730 3424.01 4640 3375.60 2736 1343.24 127 100.08 Bank 14 State Bank of India 9375 8115.00 9234 7993.00 1420 1459.00 36 31.00 15 Syndicate Bank 64 18.06 55 15.75 15 4.50 0 0.00 16 Uco Bank 1979 815.97 1309 605.38 1069 457.46 858 343.70 17 Union Bank of India 408 319.00 283 289.00 352 261.00 46 49.00 Total 32160 24165.17 27809 21515.06 16613 11283.71 1827 905.42 Total Northern 50489 51528.16 43744 46087.48 26488 21956.51 3448 2367.71 Region SOUTHERN REGION ANDHRA PRADESH 1 Allahabad Bank 1989 5216.00 1803 4908.80 1775 4865.51 188 320.87 2 Andhra Bank 177194 597361.34 176145 595955.67 137523 481190.28 38622 114765.39 3 Bank of Baroda 19263 60295.89 16111 51679.61 12695 38462.13 391 976.79 4 Bank of India 5437 14875.00 5437 14875.00 1413 4186.00 0 0.00 5 Bank of Maharashtra 688 2020.29 346 949.62 606 1791.11 15 40.94 6 Canara Bank 27137 66188.42 26051 62879.01 11593 24163.25 24 12.47 Central Bank of 7 7529 21378.23 1545 5084.47 1545 5084.47 9 5.20 India 8 Corporation Bank 12894 32377.56 9906 24958.32 7475 19290.80 1 3.26 9 Indian Bank 55953 209050.00 54834 204869.00 29597 107645.00 88 461.00 Indian Overseas 10 18900 50926.94 18193 42942.76 12829 29465.42 0 0.00 Bank Oriental Bank of 11 261 647.30 236 583.14 65 192.23 139 319.80 Commerce Punjab and Sind 12 0 0.00 0 0.00 0 0.00 0 0.00 Bank Punjab National 13 1924 4707.27 1911 4676.97 82 171.18 229 684.34 Bank 14 State Bank of India 213965 1000216.00 209623 979918.00 196305 924919.00 10019 46874.00 15 Syndicate Bank 67376 214533.89 62551 193268.52 1816 880.00 145 125.25 16 Uco Bank 2157 5527.62 1887 4798.37 1423 4465.94 100 150.63

232 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 17 Union Bank of India 27395 62840.00 19100 49365.00 22718 60651.00 165 165.00 Total 640062 2348161.75 605679 2241712.26 439460 1707423.32 50135 164904.94 KARNATAKA 1 Allahabad Bank 35 92.59 9 30.82 5 19.08 6 18.69 2 Andhra Bank 103 143.90 100 141.00 66 90.48 34 50.52 3 Bank of Baroda 29883 74830.92 20643 56145.64 5048 12756.52 0 0.00 4 Bank of India 565 1319.00 539 1242.00 323 454.00 116 227.00 5 Bank of Maharashtra 260 278.01 45 47.50 81 77.92 171 192.59 6 Canara Bank 34081 94250.95 33059 90480.91 20403 52943.39 1034 877.72 Central Bank of 7 471 1139.78 66 123.03 66 123.03 1 0.47 India 8 Corporation Bank 134539 245307.89 106124 205146.47 82845 159116.82 42 99.84 9 Indian Bank 693 1646.00 679 1613.00 314 679.00 6 16.00 Indian Overseas 10 2244 4952.31 2010 4059.60 953 1754.49 23 27.43 Bank Oriental Bank of 11 39 85.49 25 35.09 6 11.06 4 10.14 Commerce Punjab and Sind 12 1 3.04 0 0.00 0 0.00 1 3.04 Bank Punjab National 13 164 396.90 161 384.83 22 27.58 15 35.61 Bank 14 State Bank of India 27800 167166.00 27244 163825.00 22955 143428.00 290 1761.00 15 Syndicate Bank 29096 81313.59 25555 76813.94 598 881.45 1325 1649.94 16 Uco Bank 518 541.08 340 430.78 111 172.84 316 229.51 17 Union Bank of India 105463 150948.00 70823 145545.00 92889 128864.00 187 163.00 Total 365955 824415.45 287422 746064.61 226685 501399.66 3571 5362.50 KERALA 1 Allahabad Bank 37 73.59 11 19.85 9 15.84 2 2.17 2 Andhra Bank 268 553.53 263 548.23 196 389.42 67 158.81 3 Bank of Baroda 4819 14410.80 3435 10125.02 2456 7756.12 51 51.88 4 Bank of India 4464 11982.00 4332 11854.00 1349 4198.00 154 207.00 5 Bank of Maharashtra 44 87.14 26 49.76 40 80.81 1 0.60 6 Canara Bank 33030 99720.99 32699 97575.84 18570 51588.61 1159 2217.00 Central Bank of 7 7649 28262.19 346 1146.74 346 1146.74 4 1.96 India 8 Corporation Bank 1930 4280.25 1625 3538.55 1186 2276.57 3 5.15 9 Indian Bank 8276 32104.00 8110 31462.00 512 1710.00 1420 5896.00 Indian Overseas 10 7064 18452.05 6150 15391.50 430 1120.03 618 1389.14 Bank Oriental Bank of 11 21 16.32 18 13.35 0 0.00 7 2.39 Commerce Punjab and Sind 12 4 8.41 4 8.41 0 0.00 4 8.41 Bank

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 233 STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Punjab National 13 4216 10210.51 4149 10056.13 646 1313.75 754 1995.53 Bank 14 State Bank of India 5611 23622.00 5505 23174.00 1952 8781.00 138 581.00 15 Syndicate Bank 4036 12445.49 3841 11863.06 205 17.50 160 196.45 16 Uco Bank 624 1272.93 499 1076.48 396 1086.91 161 159.49 17 Union Bank of India 41991 74458.00 27978 70126.00 30906 70345.00 40 125.00 Total 124084 331960.20 98991 288028.92 59199 151826.30 4743 12997.98 LAKSHADWEEP UT 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 Central Bank of 3 0 0.00 0 0.00 0 0.00 0 0.00 India Indian Overseas 4 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 5 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 6 State Bank of India 2 1.00 2 1.00 2 1.00 0 0.00 7 Syndicate Bank 5 8.26 5 8.26 0 0.00 0 0.00 8 Uco Bank 2 0.82 1 0.46 2 0.82 0 0.00 Total 9 10.08 8 9.72 4 1.82 0 0.00 PUDUCHERRY 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Andhra Bank 84 133.52 83 133.08 18 21.21 65 111.87 3 Bank of Baroda 88 187.52 81 164.32 41 102.51 0 0.00 4 Bank of India 117 128.00 117 128.00 0 0.00 0 0.00 5 Canara Bank 201 465.44 187 432.86 97 267.19 18 8.73 Central Bank of 6 108 82.22 0 0.00 0 0.00 0 0.00 India 7 Corporation Bank 253 247.35 200 195.15 198 195.07 1 0.00 8 Indian Bank 1741 3261.00 1706 3196.00 1471 2537.00 135 370.00 Indian Overseas 9 382 744.33 377 731.34 205 420.35 5 18.43 Bank Oriental Bank of 10 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 11 1 2.62 1 2.62 0 0.00 1 2.62 Bank Punjab National 12 4 3.31 4 3.31 0 0.00 0 0.00 Bank 13 State Bank of India 144 563.00 144 563.00 116 481.00 20 78.00 14 Syndicate Bank 12 30.16 12 30.16 12 30.16 0 0.00 15 Uco Bank 283 197.37 192 161.88 59 93.45 185 70.74 16 Union Bank of India 326 76.00 317 65.00 319 72.00 5 2.00 Total 3744 6121.84 3421 5806.72 2536 4219.94 435 662.39

234 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs TAMIL NADU 1 Allahabad Bank 142 209.72 76 133.50 70 121.93 10 14.17 2 Andhra Bank 540 675.24 529 662.74 225 341.12 304 321.62 3 Bank of Baroda 3116 5247.46 2571 3923.00 963 1106.84 120 178.41 4 Bank of India 10885 17883.00 9823 16745.00 541 1125.00 179 299.00 5 Bank of Maharashtra 195 1141.65 144 599.89 178 657.98 12 11.86 6 Canara Bank 22607 66969.73 22004 65718.66 6569 18285.40 457 458.56 Central Bank of 7 5102 12082.56 1031 2209.98 1031 2209.98 0 0.00 India 8 Corporation Bank 4054 5980.64 3397 5021.11 2166 3336.50 6 4.15 9 Indian Bank 77239 216038.00 75694 211717.00 32225 86448.00 4786 17700.00 Indian Overseas 10 42213 80332.86 39965 75611.62 11541 19392.08 574 1225.97 Bank Oriental Bank of 11 159 331.43 128 255.51 17 52.61 89 177.64 Commerce Punjab and Sind 12 1 17.37 0 0.00 0 0.00 1 17.37 Bank Punjab National 13 1949 3231.51 1886 3039.68 515 1109.18 64 180.75 Bank 14 State Bank of India 4818 15357.00 4804 15313.00 3449 11747.00 737 2408.00 15 Syndicate Bank 5300 14429.46 4985 13694.05 52 68.50 195 227.59 16 Uco Bank 1494 1537.94 1213 1347.75 481 803.09 205 145.11 17 Union Bank of India 4890 7774.00 3534 7130.00 4045 6438.00 45 40.00 Total 184704 449239.57 171784 423122.49 64068 153243.21 7784 23410.20 TELANGANA 1 Allahabad Bank 1001 2642.81 991 2619.63 963 2582.30 19 30.76 2 Andhra Bank 70809 203579.84 70417 203047.95 56560 168795.21 13857 34252.74 3 Bank of Baroda 6023 10770.81 5223 9341.53 962 1840.77 332 436.22 4 Bank of India 9250 1465.00 9250 1465.00 3770 703.00 0 0.00 5 Bank of Maharashtra 710 1179.47 415 676.14 635 1072.62 14 26.72 6 Canara Bank 13153 42030.19 12709 40501.20 3722 13386.26 54 40.11 Central Bank of 7 7095 17128.01 2426 5651.63 2426 5651.63 0 0.00 India 8 Corporation Bank 4236 9287.94 3501 7747.65 1639 3689.78 9 6.08 9 Indian Bank 13217 41027.00 12953 40206.00 779 1867.00 0 0.00 Indian Overseas 10 7402 32361.73 7153 16499.57 4863 8151.06 83 205.33 Bank Oriental Bank of 11 61 123.68 42 82.82 1 0.01 22 48.38 Commerce Punjab National 12 2690 6724.62 2660 6670.86 832 1819.00 66 188.06 Bank 13 State Bank of India 135956 533148.00 131908 517275.00 93747 360133.00 3724 15584.00 14 Syndicate Bank 15821 53538.38 11878 50123.10 35 30.43 15 120.83

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 235 STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 15 Uco Bank 1445 3543.68 1340 3286.59 706 2388.20 15 6.03 16 Union Bank of India 9516 21420.00 8618 19215.00 8512 19040.00 21 40.00 Total 298385 979971.16 281484 924409.67 180152 591150.27 18231 50985.26 Total Southern 1616943 4939880.05 1448789 4629154.39 972104 3109264.52 84899 258323.27 Region WESTERN REGION DAMAN AND DIU UT 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 0 0.00 0 0.00 0 0.00 0 0.00 3 Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 4 Indian Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 5 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 6 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 7 State Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 8 Uco Bank 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 D AND N HAVELI UT 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 128 40.95 128 40.95 128 40.95 0 0.00 3 Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 4 Canara Bank 0 0.00 0 0.00 0 0.00 0 0.00 Indian Overseas 5 0 0.00 0 0.00 0 0.00 0 0.00 Bank Oriental Bank of 6 0 0.00 0 0.00 0 0.00 0 0.00 Commerce 7 State Bank of India 0 0.00 0 0.00 0 0.00 0 0.00 8 Uco Bank 0 0.00 0 0.00 0 0.00 0 0.00 Total 128 40.95 128 40.95 128 40.95 0 0.00 GOA 1 Allahabad Bank 0 0.00 0 0.00 0 0.00 0 0.00 2 Bank of Baroda 63 97.40 50 91.15 56 84.54 0 0.00 3 Bank of India 188 331.00 165 295.00 122 242.00 0 0.00 Bank of 4 48 59.72 8 17.88 41 49.57 6 8.70 Maharashtra 5 Canara Bank 103 195.79 101 191.88 50 91.15 9 9.52 Central Bank of 6 32 68.19 0 0.00 0 0.00 0 0.00 India 7 Corporation Bank 80 192.43 64 158.04 64 158.04 0 0.00 8 Indian Bank 1 2.00 1 2.00 1 2.00 0 0.00 Indian Overseas 9 63 79.03 50 67.67 32 36.63 0 0.00 Bank

236 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Oriental Bank of 10 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab National 11 0 0.00 0 0.00 0 0.00 0 0.00 Bank 12 State Bank of India 338 1153.00 338 1153.00 248 979.00 0 0.00 13 Syndicate Bank 21 27.77 21 27.77 21 27.77 0 0.00 14 Uco Bank 15 20.02 8 12.39 3 0.76 10 12.47 15 Union Bank of India 67 424.00 52 400.00 50 187.00 12 17.00 Total 1019 2650.35 858 2416.78 688 1858.46 37 47.69 GUJARAT 1 Allahabad Bank 13 8.18 12 7.75 5 1.75 8 6.43 2 Bank of Baroda 18212 10346.02 16781 9825.61 8917 5294.36 368 77.60 3 Bank of India 1795 824.00 1566 721.00 1239 599.00 45 20.00 Bank of 4 187 329.36 84 50.36 80 49.38 87 266.32 Maharashtra 5 Canara Bank 185 152.19 185 152.19 3 1.18 170 143.91 Central Bank of 6 905 518.63 169 73.97 169 73.97 0 0.00 India 7 Corporation Bank 115 65.27 81 42.36 75 36.30 3 3.90 8 Indian Bank 404 322.00 396 316.00 14 9.00 5 2.00 Indian Overseas 9 152 1429.14 139 99.53 15 13.99 6 6.75 Bank Oriental Bank Of 10 0 0.00 0 0.00 0 0.00 0 0.00 Commerce Punjab and Sind 11 1 0.19 1 0.19 1 0.19 0 0.00 Bank Punjab National 12 196 103.13 196 103.13 97 33.09 50 48.36 Bank 13 State Bank of India 2319 2101.00 2319 2101.00 1450 1669.00 19 17.00 14 Syndicate Bank 147 86.52 147 86.52 78 13.69 26 13.69 15 Uco Bank 486 200.48 382 166.48 58 19.46 257 93.23 16 Union Bank of India 1456 1011.00 1027 555.00 1308 531.00 30 16.00 TOTAL 26573 17497.11 23485 14301.09 13509 8345.36 1074 715.19 MAHARASHTRA 1 Allahabad Bank 1070 722.23 876 482.41 857 466.69 54 27.18 2 Andhra Bank 414 251.04 406 247.46 314 186.97 92 60.49 3 Bank of Baroda 8405 7672.70 7306 6459.65 3867 3200.21 253 540.92 4 Bank of India 16232 17139.00 14086 15820.00 10706 10862.00 1149 1772.00 5 Bank of Maharashtra 22907 22997.20 12312 11852.16 18393 17680.80 3045 3592.61 6 Canara Bank 2833 2667.98 2748 2614.62 897 810.49 826 686.38 Central Bank of 7 9476 7621.94 842 777.18 842 777.18 11 5.20 India 8 Corporation Bank 234 189.87 182 132.62 113 60.78 12 18.69

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 237 STATEMENT - V - A (I) (contd.)

238 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (I) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total - NULM/ outstanding against Sr. Women SHGs SGSY SHGs SJSRY SHGs Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs PUBLIC SECTOR BANKS - ALL INDIA POSITION 1 Allahabad Bank 91134 105824.03 84732 96709.27 82248 94728.26 3328 2794.92 2 Andhra Bank 256435 809152.58 254909 807136.89 201145 656780.16 53764 150356.73 3 Bank of Baroda 163767 257790.53 135969 212776.80 80181 96839.36 3103 3062.83 4 Bank of India 148659 136363.18 136734 129114.80 90728 78241.86 10641 6853.88 5 Bank of Maharashtra 28049 30849.33 14588 15262.30 21871 23019.23 4373 5148.29 6 Canara Bank 172258 414665.39 167735 401390.50 79286 182266.45 7602 7303.22 Central Bank of 7 154382 203109.75 19429 27043.78 19429 27043.78 77 65.76 India 8 Corporation Bank 159312 299382.15 125781 247796.01 96254 188519.36 125 488.51 9 Indian Bank 169669 519448.00 166275 509058.00 70594 208097.00 7138 25390.00 Indian Overseas 10 92026 209881.54 86818 168810.14 37144 65610.63 2053 3393.54 Bank Oriental Bank of 11 3062 2989.94 2494 2262.56 1671 1250.41 707 869.61 Commerce Punjab and Sind 12 1875 2047.45 1600 1659.25 1443 1393.59 432 653.86 Bank Punjab National 13 109998 126754.84 107874 124366.77 63727 72819.23 5127 6971.05 Bank 14 State Bank of India 707958 2263809.00 692384 2213368.00 595553 1921020.00 20668 76557.00 15 Syndicate Bank 135858 391159.11 121471 359582.18 5200 4701.90 2884 2962.47 16 Uco Bank 126091 124988.24 109529 111959.34 90908 95306.37 14942 7715.21 17 Union Bank of India 225529 358970.00 154274 322247.00 191554 308236.00 1309 1695.00 United Bank of 18 140293 139815.00 140293 139815.00 137451 137074.00 719 719.00 India Total All Public 2886355 6397000.06 2522889 5890358.59 1866387 4162947.59 138992 303000.88 Sec. Comm. Banks

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 239 STATEMENT - V - A (II)

Progress under Microﬁnance - Bank Loans outstanding against SHGs as on 31 March 2020 - Private Sector Com. Banks (Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs CENTRAL REGION CHHATTISGARH 1 Axis Bank Limited 31 17.53 31 17.53 27 15.74 4 1.79 2 Federal Bank Ltd 1 0.00 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 105 114.05 105 114.05 0 0.00 0 0.00 4 ICICI Bank Limited 1 0.07 1 0.07 1 0.07 0 0.00 5 IDBI Bank Limited 490 362.39 420 310.11 349 267.51 23 13.44 6 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 7 Karnataka Bank Ltd 1 3.13 1 3.13 0 0.00 0 0.00 Karur Vysya Bank 8 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 9 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 629 497.17 558 444.89 377 283.32 27 15.23 MADHYA PRADESH 1 Axis Bank Limited 4 0.91 4 0.91 1 0.09 3 0.82 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 2 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 185 226.62 185 226.62 0 0.00 0 0.00 5 ICICI Bank Limited 6734 6276.83 6732 6271.37 5014 4812.14 1720 1464.69 6 IDBI Bank Limited 1786 1499.15 1713 1440.22 6 2.85 1 0.23 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 1 2.32 1 2.32 0 0.00 1 2.32 South Indian Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 10 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 8712 8005.83 8635 7941.44 5021 4815.08 1725 1468.06 UTTARAKHAND Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 3 IDBI Bank Limited 153 64.40 39 26.43 2 1.46 0 0.00 4 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 5 Nainital Bank Ltd 150 63.56 149 63.46 150 63.56 0 0.00 Tamilnad Mercantile 6 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd 7 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 303 127.96 188 89.89 152 65.02 0 0.00 UTTAR PRADESH 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited

240 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 3 Federal Bank Ltd 31 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 2 1.00 2 1.00 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 2264 2164.35 2062 1954.47 9 0.94 5 19.23 7 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 8 Nainital Bank Ltd 10 5.64 9 5.09 10 5.64 0 0.00 South Indian Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 10 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 2307 2170.99 2073 1960.56 19 6.58 5 19.23 Total Central 11951 10801.95 11454 10436.78 5569 5170.00 1757 1502.52 Region EASTERN REGION ANDAMAN & NICOBAR 1 IDBI Bank Limited 157 354.03 155 346.35 0 0.00 0 0.00 Total 157 354.03 155 346.35 0 0.00 0 0.00 BIHAR Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 Federal Bank Ltd 2 0.00 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 1 0.52 1 0.52 0 0.00 0 0.00 4 ICICI Bank Limited 3607 3870.46 3607 3870.46 3607 3870.46 0 0.00 5 IDBI Bank Limited 220 158.92 217 157.91 47 37.11 0 0.00 6 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 7 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 3830 4029.90 3825 4028.89 3654 3907.57 0 0.00 JHARKHAND 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 1 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 1 0.17 1 0.17 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 827 531.34 752 485.56 254 148.87 6 5.50 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 9 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 829 531.51 753 485.73 254 148.87 6 5.50 ODISHA 1 Axis Bank Limited 256 241.91 256 241.91 242 231.81 14 10.10 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 241 STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 3 Federal Bank Ltd 323 32.93 0 0.00 4 6.54 0 0.00 4 HDFC Bank Ltd. 144 71.49 144 71.49 0 0.00 0 0.00 5 ICICI Bank Limited 2540 2184.87 2540 2184.87 1898 1619.10 642 565.77 6 IDBI Bank Limited 1110 1358.23 1042 1280.01 96 66.57 3 2.15 7 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd South Indian Bank 10 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 11 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 4373 3889.43 3982 3778.28 2240 1924.02 659 578.02 WEST BENGAL 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 6 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 4 9.32 4 9.32 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 1532 1183.79 1267 1001.32 330 325.83 14 13.05 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 1 155.72 0 0.00 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd South Indian Bank 10 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 11 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 1543 1348.83 1271 1010.64 330 325.83 14 13.05 Total Eastern 10732 10153.70 9986 9649.89 6478 6306.29 679 596.57 Region NORTH EASTERN REGION ARUNACHAL PRADESH Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 ASSAM 1 Axis Bank Limited 1 0.94 1 0.94 1 0.94 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 27 1.41 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 52 38.55 52 38.55 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00

242 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 6 IDBI Bank Limited 1098 987.89 945 844.62 603 585.25 133 83.26 South Indian Bank 7 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Total 1178 1028.79 998 884.11 604 586.19 133 83.26 MANIPUR Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 MEGHALAYA 1 Federal Bank Ltd 1 0.00 0 0.00 0 0.00 0 0.00 2 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 1 0.00 0 0.00 0 0.00 0 0.00 MIZORAM 1 IDBI Bank Limited 2 1.48 2 1.48 0 0.00 1 1.48 Total 2 1.48 2 1.48 0 0.00 1 1.48 NAGALAND Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 Federal Bank Ltd 24 0.00 0 0.00 0 0.00 0 0.00 3 ICICI Bank Limited 1 0.38 0 0.00 1 0.38 0 0.00 4 IDBI Bank Limited 10 8.82 10 8.82 0 0.00 0 0.00 Total 35 9.20 10 8.82 1 0.38 0 0.00 SIKKIM 1 IDBI Bank Limited 313 123.30 309 118.71 123 46.91 0 0.00 2 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Total 313 123.30 309 118.71 123 46.91 0 0.00 TRIPURA Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 Federal Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 2 0.48 2 0.48 0 0.00 0 0.00 4 IDBI Bank Limited 17 14.23 13 10.94 8 4.09 0 0.00 Total 19 14.71 15 11.42 8 4.09 0 0.00 Total North 1548 1177.48 1334 1024.54 736 637.57 134 84.74 Eastern Region NORTHERN REGION CHANDIGARH Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 243 STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs South Indian Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Total 0 0.00 0 0.00 0 0.00 0 0.00 HARYANA 1 Axis Bank Limited 22 10.57 22 10.57 22 10.57 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 16 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 6 2.06 6 2.06 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 177 38.19 123 28.22 12 3.24 0 0.00 7 Nainital Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 8 1 0.55 1 0.55 0 0.00 0 0.00 Ltd 9 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 222 51.37 152 41.40 34 13.81 0 0.00 HIMACHAL PRADESH 1 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 2 IDBI Bank Limited 27 31.04 17 17.40 16 8.40 0 0.00 3 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 27 31.04 17 17.40 16 8.40 0 0.00 JAMMU AND KASHMIR 1 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 2 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 NEW DELHI 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 5 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 3 0.00 0 0.00 0 0.00 0 0.00 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 9 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 Nainital Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 11 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 12 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 8 0.00 0 0.00 0 0.00 0 0.00

244 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs PUNJAB 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 18 11.88 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 1 0.28 1 0.28 0 0.00 0 0.00 5 ICICI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 6 IDBI Bank Limited 7 19.34 3 19.15 0 0.00 0 0.00 South Indian Bank 7 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 8 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 26 31.50 4 19.43 0 0.00 0 0.00 RAJASTHAN Bandhan Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 2 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 35 53.08 35 53.08 0 0.00 0 0.00 5 ICICI Bank Limited 21759 27334.95 21685 27241.45 20759 26727.47 718 508.49 6 IDBI Bank Limited 865 565.45 833 549.24 15 9.86 0 0.00 7 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 9 Nainital Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 22661 27953.48 22553 27843.77 20774 26737.33 718 508.49 Total Northern 22944 28067.39 22726 27922.00 20824 26759.54 718 508.49 Region SOUTHERN REGION ANDHRA PRADESH 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 298 523.82 82 115.61 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 6 0.00 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 387 823.12 387 823.12 0 0.00 0 0.00 6 ICICI Bank Limited 69 19.70 69 19.70 0 0.00 0 0.00 7 IDBI Bank Limited 57 147.27 54 145.88 0 0.00 0 0.00 8 Karnataka Bank Ltd 189 444.40 170 397.92 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 10 87 100.85 87 100.85 0 0.00 0 0.00 Bank Ltd.

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 245 STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs South Indian Bank 11 9 24.34 9 24.34 0 0.00 0 0.00 Ltd Tamilnad Mercantile 12 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd Total 1102 2083.50 858 1627.42 0 0.00 0 0.00 KARNATAKA 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 412 7.97 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 19153 41774.90 19153 41774.90 0 0.00 0 0.00 6 ICICI Bank Limited 11152 17579.36 11152 17579.36 10901 16905.31 251 674.05 7 IDBI Bank Limited 85794 189416.61 48401 111741.94 19445 69882.37 2 1.13 8 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 9 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 1137 2661.61 956 2287.78 10 10.80 31 38.40 Karur Vysya Bank 11 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 12 11 6.81 11 6.81 0 0.00 4 2.22 Bank Ltd. 13 Ratnakar Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 14 1 1.47 1 1.47 0 0.00 0 0.00 Ltd Tamilnad Mercantile 15 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd 16 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 117660 251448.73 79674 173392.26 30356 86798.48 288 715.80 KERALA 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 17620 3533.21 299 253.83 31 14.77 0 0.00 5 HDFC Bank Ltd. 24850 56279.63 24850 56279.63 0 0.00 0 0.00 6 ICICI Bank Limited 8195 18995.18 8195 18995.18 7292 16905.83 903 2089.35 7 IDBI Bank Limited 6997 13839.63 6891 13382.22 355 1364.55 176 553.42 8 Karnataka Bank Ltd 12 49.29 10 41.38 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd South Indian Bank 10 183 355.40 160 298.98 0 0.00 0 0.00 Ltd

246 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Tamilnad Mercantile 11 22 33.89 21 31.64 0 0.00 0 0.00 Bank Ltd The Dhanalakshmi 12 11611 44072.84 11546 43871.13 823 1479.09 2 8.09 Bank Ltd 13 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 69490 137159.07 51972 133153.99 8501 19764.24 1081 2650.86 LAKSHADWEEP UT 1 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 PUDUCHERRY City Union Bank 1 0 0.00 0 0.00 0 0.00 0 0.00 Limited 2 Federal Bank Ltd 1 0.00 0 0.00 0 0.00 0 0.00 3 HDFC Bank Ltd. 274 708.08 274 708.08 0 0.00 0 0.00 4 IDBI Bank Limited 564 994.69 541 940.70 0 0.00 0 0.00 Karur Vysya Bank 5 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Tamilnad Mercantile 6 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd Total 839 1702.77 815 1648.78 0 0.00 0 0.00 TAMIL NADU 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 1303 18.45 10 5.65 0 0.00 0 0.00 5 HDFC Bank Ltd. 20547 48170.02 20547 48170.02 0 0.00 0 0.00 6 ICICI Bank Limited 57020 106786.64 57010 106755.40 44248 92987.07 8027 11730.56 7 IDBI Bank Limited 5885 10186.79 5713 9669.66 19 22.96 53 69.27 8 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 9 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 1 1.30 1 1.30 0 0.00 0 0.00 Karur Vysya Bank 11 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 12 19 33.47 19 33.47 0 0.00 0 0.00 Bank Ltd. South Indian Bank 13 24 16.02 21 14.56 0 0.00 0 0.00 Ltd Tamilnad Mercantile 14 986 866.64 946 836.72 237 83.79 3 6.23 Bank Ltd 15 YES Bank Ltd. 1 0.28 1 0.28 0 0.00 0 0.00 Total 85786 166079.61 84268 165487.06 44504 93093.82 8083 11806.06

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 247 STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs TELANGANA 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited 3 Federal Bank Ltd 11 0.00 0 0.00 0 0.00 0 0.00 4 HDFC Bank Ltd. 4133 9509.03 4133 9509.03 0 0.00 0 0.00 5 ICICI Bank Limited 1 0.00 1 0.00 1 0.00 0 0.00 6 IDBI Bank Limited 5 6.34 2 0.27 0 0.00 0 0.00 7 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 8 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Karur Vysya Bank 9 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 10 81 45.81 81 45.81 0 0.00 0 0.00 Bank Ltd. South Indian Bank 11 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 12 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 4231 9561.18 4217 9555.11 1 0.00 0 0.00 Total Southern 279108 568034.86 221804 484864.62 83362 199656.54 9452 15172.72 Region WESTERN REGION DAMAN AND DIU UT 1 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 D AND N HAVELI UT 1 IDBI Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 GOA 1 HDFC Bank Ltd. 368 949.16 368 949.16 0 0.00 0 0.00 2 IDBI Bank Limited 1 1.02 1 1.02 0 0.00 0 0.00 3 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 Total 369 950.18 369 950.18 0 0.00 0 0.00 GUJARAT 1 Axis Bank Limited 1 0.78 1 0.78 0 0.00 1 0.78 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 24 0.00 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 510 918.91 510 918.91 0 0.00 0 0.00 6 ICICI Bank Limited 4797 3630.78 4797 3630.78 2650 1878.42 2147 1752.36 7 IDBI Bank Limited 7 5.82 6 4.93 0 0.00 0 0.00

248 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs 8 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 9 Karnataka Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 10 0 0.00 0 0.00 0 0.00 0 0.00 Ltd 11 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 TOTAL 5339 4556.29 5314 4555.40 2650 1878.42 2148 1753.14 MAHARASHTRA 1 Axis Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 0 0.00 0 0.00 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 405 135.59 0 0.00 0 0.00 0 0.00 5 HDFC Bank Ltd. 10436 18750.45 10436 18750.45 0 0.00 0 0.00 6 ICICI Bank Limited 57357 72054.63 57354 72051.55 45277 59632.90 12037 12417.43 7 IDBI Bank Limited 8098 9897.10 7357 9207.99 1164 1025.68 170 140.46 8 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 9 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 1 2.69 1 2.69 0 0.00 0 0.00 11 Ratnakar Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 12 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Tamilnad Mercantile 13 0 0.00 0 0.00 0 0.00 0 0.00 Bank Ltd 14 YES Bank Ltd. 0 0.00 0 0.00 0 0.00 0 0.00 Total 76297 100840.46 75148 100012.68 46441 60658.58 12207 12557.89 Total Western 82005 106346.93 80831 105518.26 49091 62537.00 14355 14311.03 Region Grand Total 408288 724582.31 348135 639416.09 166060 301066.94 27095 32176.07

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 249 STATEMENT - V - A (II) (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs PRIVATE SECTOR BANKS - ALL INDIA POSITION 1 Axis Bank Limited 315 272.64 315 272.64 293 259.15 22 13.49 Bandhan Bank 2 0 0.00 0 0.00 0 0.00 0 0.00 Limited City Union Bank 3 298 523.82 82 115.61 0 0.00 0 0.00 Limited 4 Federal Bank Ltd 20241 3741.44 309 259.48 35 21.31 0 0.00 5 HDFC Bank Ltd. 81196 178400.92 81196 178400.92 0 0.00 0 0.00 6 ICICI Bank Limited 173233 258733.85 173143 258600.19 141649 225339.15 26445 31202.70 7 IDBI Bank Limited 118466 233961.61 78888 153695.57 22853 73804.45 587 902.62 8 IDFC Bank Limited 0 0.00 0 0.00 0 0.00 0 0.00 9 Indusind Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnataka Bank Ltd 1343 3320.46 1140 2736.52 10 10.80 32 40.72 Karur Vysya Bank 11 0 0.00 0 0.00 0 0.00 0 0.00 Ltd Kotak Mahindra 12 198 186.94 198 186.94 0 0.00 4 2.22 Bank Ltd. 13 Nainital Bank Ltd 160 69.20 158 68.55 160 69.20 0 0.00 14 Ratnakar Bank Ltd 0 0.00 0 0.00 0 0.00 0 0.00 South Indian Bank 15 218 397.78 192 339.90 0 0.00 0 0.00 Ltd Tamilnad Mercantile 16 1008 900.53 967 868.36 237 83.79 3 6.23 Bank Ltd The Dhanalakshmi 17 11611 44072.84 11546 43871.13 823 1479.09 2 8.09 Bank Ltd 18 YES Bank Ltd. 1 0.28 1 0.28 0 0.00 0 0.00 All India Private 408288 724582.31 348135 639416.09 166060 301066.94 27095 32176.07 Sector Banks Total All Public Sec. Comm. 2886355 6397000.06 2522889 5890358.59 1866387 4162947.59 138992 303000.88 Banks - V-A(I) Grand Total - Commercial 3294643 7121582.37 2871024 6529774.68 2032447 4464014.53 166087 335176.95 Banks

250 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - B

Progress under Microﬁnance - Bank Loans outstanding against SHGs as on 31 March 2020 - Regional Rural Banks (Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs CHHATTISGARH Chhattisgarh Rajya 1 38026 23655.00 37814 23150.31 36933 23088.00 1093 567.00 Gramin Bank Total 38026 23655.00 37814 23150.31 36933 23088.00 1093 567.00 MADHYA PRADESH Madhyanchal Gramin 1 9397 3246.00 7518 2888.00 6945 2653.00 477 144.00 Bank Madhya Pradesh 2 33948 21539.11 30153 19888.60 27266 18285.82 307 249.57 Gramin Bank Total 43345 24785.11 37671 22776.60 34211 20938.82 784 393.57 UTTARAKHAND Uttarakhand Gramin 1 6375 2227.29 4048 1515.99 3667 1583.13 954 98.75 Bank Total 6375 2227.29 4048 1515.99 3667 1583.13 954 98.75 UTTAR PRADESH 1 Aryavart Bank 15277 9322.94 7025 4736.53 13234 8047.28 0 0.00 Baroda Uttar 2 Pradesh Gramin 39535 22192.13 26398 15463.35 28097 16154.00 43 23.30 Bank Kashi Gomti Samyut 3 20067 5599.18 10140 3947.42 13592 4484.94 74 55.40 Gramin Bank Prathama U.P 4 21708 10166.23 19748 9251.27 18442 8641.29 0 0.00 Gramin Bank 5 Purvanchal Bank 10001 3787.80 10001 3787.80 10001 3787.80 0 0.00 Total 106588 51068.28 73312 37186.37 83366 41115.31 117 78.70 Total Central 194334 101735.68 152845 84629.27 158177 86725.26 2948 1138.02 Region EASTERN REGION BIHAR Dakshin Bihar 1 222797 242312.55 222797 242312.55 222797 242312.55 0 0.00 Gramin Bank Uttar Bihar Gramin 2 169913 97428.00 162607 95041.02 169913 97428.00 0 0.00 Bank Total 392710 339740.55 385404 337353.57 392710 339740.55 0 0.00 JHARKHAND Jharkhand Rajya 1 40977 28570.00 39760 26923.00 38840 26932.00 0 0.00 Gramin Bank Total 40977 28570.00 39760 26923.00 38840 26932.00 0 0.00 ODISHA Odisha Gramya 1 93849 105146.31 93849 105146.31 92702 103782.10 1147 1364.21 Bank 2 Utkal Grameen Bank 34690 35856.30 32262 31553.54 33996 27609.35 0 0.00 Total 128539 141002.61 126111 136699.85 126698 131391.45 1147 1364.21 WEST BENGAL Bangiya Gramin 1 163117 260774.00 143365 229195.20 145175 232088.99 17942 28685.01 Vikash Bank Paschim Banga 2 70199 143906.08 66198 136952.91 69528 142825.17 492 749.16 Gramin Bank

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 251 STATEMENT - V - B (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs Uttar Banga 3 Kshetriya Gramin 45940 66393.73 45940 66393.73 26162 36845.67 19778 29548.06 Bank Total 279256 471073.81 255503 432541.84 240865 411759.83 38212 58982.23 Total Eastern 841482 980386.97 806778 933518.26 799113 909823.83 39359 60346.44 Region NORTH EASTERN REGION ARUNACHAL PRADESH Arunachal Pradesh 1 187 165.60 187 165.60 132 124.88 0 0.00 Rural Bank Total 187 165.60 187 165.60 132 124.88 0 0.00 ASSAM Assam Gramin 1 61210 46172.36 41611 32690.03 27334 24127.02 506 448.80 Vikash Bank Total 61210 46172.36 41611 32690.03 27334 24127.02 506 448.80 MANIPUR 1 Manipur Rural Bank 1757 1278.95 1757 1278.95 730 502.78 171 98.06 Total 1757 1278.95 1757 1278.95 730 502.78 171 98.06 MEGHALAYA Meghalaya Rural 1 3332 2483.48 2847 2098.89 2840 2145.42 0 0.00 Bank Total 3332 2483.48 2847 2098.89 2840 2145.42 0 0.00 MIZORAM 1 Mizoram Rural Bank 2475 2980.29 1959 2136.75 1778 1850.81 102 184.78 Total 2475 2980.29 1959 2136.75 1778 1850.81 102 184.78 NAGALAND 1 Nagaland Rural Bank 137 402.95 137 402.95 28 32.60 4 3.21 Total 137 402.95 137 402.95 28 32.60 4 3.21 TRIPURA 1 Tripura Gramin Bank 15257 10410.05 14736 9963.47 13193 9396.08 0 0.00 Total 15257 10410.05 14736 9963.47 13193 9396.08 0 0.00 Total North 84355 63893.68 63234 48736.64 46035 38179.59 783 734.85 Eastern Region NORTHERN REGION HARYANA Sarva Haryana 1 6451 6701.36 5870 6143.93 5232 5516.73 53 60.03 Gramin Bank Total 6451 6701.36 5870 6143.93 5232 5516.73 53 60.03 HIMACHAL PRADESH Himachal Pradesh 1 3493 4131.00 3493 4131.00 3493 4131.00 0 0.00 Gramin Bank Total 3493 4131.00 3493 4131.00 3493 4131.00 0 0.00 JAMMU AND KASHMIR 1 Ellaquai Dehati Bank 208 321.75 136 175.38 208 321.75 0 0.00 2 J & K Grameen Bank 1913 2699.74 1913 2699.74 1776 2600.39 1 2.26 Total 2121 3021.49 2049 2875.12 1984 2922.14 1 2.26

252 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - B (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs PUNJAB 1 Punjab Gramin Bank 2861 1412.96 2791 1371.24 1137 607.29 0 0.00 Total 2861 1412.96 2791 1371.24 1137 607.29 0 0.00 RAJASTHAN Baroda Rajasthan 1 Kshetriya Gramin 17179 10761.00 17058 10731.00 15854 9886.00 521 410.00 Bank Rajasthan Marudhara 2 4855 2346.39 4486 2094.92 2443 1189.65 85 36.30 Gramin Bank Total 22034 13107.39 21544 12825.92 18297 11075.65 606 446.30 Total Northern 36960 28374.20 35747 27347.21 30143 24252.81 660 508.59 Region SOUTHERN REGION ANDHRA PRADESH Andhra Pragathi 1 119224 322591.19 119224 322591.19 0 0.00 0 0.00 Grameena Bank Chaitanya Godavari 2 38736 135330.89 38736 135330.89 29331 102866.22 0 0.00 Grameena Bank Saptagiri Grameena 3 53631 182395.99 47771 168366.21 39497 135682.25 8727 27835.77 Bank Total 211591 640318.07 205731 626288.29 68828 238548.47 8727 27835.77 KARNATAKA Karnataka Gramin 1 89074 187497.06 87795 184853.61 82063 172849.18 1820 3765.00 Bank Karnataka Vikas 2 15223 14929.80 14948 14262.98 9758 13243.72 349 1233.88 Grameena Bank Total 104297 202426.86 102743 199116.59 91821 186092.90 2169 4998.88 KERALA 1 Kerala Gramin Bank 19691 53880.19 17996 50395.96 11842 33414.82 395 1435.13 Total 19691 53880.19 17996 50395.96 11842 33414.82 395 1435.13 PUDUCHERRY Puduvai Bharathiyar 1 1919 4008.51 1913 3974.06 865 2204.97 36 119.36 Grama Bank Total 1919 4008.51 1913 3974.06 865 2204.97 36 119.36 TAMIL NADU Tamil Nadu Grama 1 30738 67528.23 29875 65630.88 6868 15086.92 153 336.99 Bank Total 30738 67528.23 29875 65630.88 6868 15086.92 153 336.99 TELANGANA Andhra Pradesh 1 Grameena Vikas 204569 640239.46 204569 640239.46 127678 387527.08 24162 77909.02 Bank Telangana Grameena 2 76762 208229.30 76762 208229.30 41373 118882.57 135 335.46 Bank Total 281331 848468.76 281331 848468.76 169051 506409.65 24297 78244.48 Total Southern 649567 1816630.62 639589 1793874.54 349275 981757.73 35777 112970.61 Region

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 253 STATEMENT - V - B (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total NRLM/ Out of Total SHGs - outstanding against Sr. Women SGSY SHGs Under NULM/SJSRY Name of Bank SHGs No. No. of No. of No. of No. of Loans O/S Loans O/S Loans O/S Loans O/S SHGs SHGs SHGs SHGs WESTERN REGION GUJARAT Baroda Gujarat 1 8924 5570.56 7285 4442.89 8924 5570.56 0 0.00 Gramin Bank Saurashtra Gramin 2 1094 711.85 1061 611.66 840 555.75 0 0.00 Bank Total 10018 6282.41 8346 5054.55 9764 6126.31 0 0.00 MAHARASHTRA Maharashtra Gramin 1 16208 20268.09 16208 20268.09 12227 16678.61 0 0.00 Bank Vidharbha Konkan 2 16301 14529.63 15342 13857.37 15342 13857.37 0 0.00 Gramin Bank Total 32509 34797.72 31550 34125.46 27569 30535.98 0 0.00 Total Western 42527 41080.13 39896 39180.01 37333 36662.29 0 0.00 Region Grand Total 1849225 3032101.28 1738089 2927285.93 1420076 2077401.51 79527 175698.51

254 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - C

Progress under Microﬁnance - Bank Loans outstanding against SHGs as on 31 March 2020 - Cooperative Banks (Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S CENTRAL REGION CHHATTISGARH 1 Bilaspur DCCB 29 24.53 29 24.53 1 1.74 0 0.00 2 Durg DCCB 387 261.93 373 254.44 387 261.93 0 0.00 3 Ambikapur DCCB 58 8.26 56 8.06 58 8.26 0 0.00 4 Jagdalpur DCCB 730 485.08 730 485.08 140 240.60 25 29.25 5 Raipur DCCB 40 54.40 40 54.40 0 0.00 0 0.00 6 Rajnandgaon DCCB 1617 1195.20 1617 1195.20 1617 1195.20 0 0.00 Total 2861 2029.40 2845 2021.71 2203 1707.73 25 29.25 MADHYA PRADESH 1 Bhopal DCCB 2 5.30 0 0.00 0 0.00 0 0.00 2 Indore DCCB 15 1.07 15 1.07 0 0.00 0 0.00 3 Balaghat DCCB 58 18.02 58 18.02 58 18.02 0 0.00 4 Betul DCCB 37 18.50 37 18.50 37 18.50 0 0.00 5 Bhind DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Chattarpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Chhindwara DCCB 391 96.51 391 96.51 391 96.51 0 0.00 8 Damoh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 9 Datia DCCB 0 0.00 0 0.00 0 0.00 0 0.00 10 Dewas DCCB 0 0.00 0 0.00 0 0.00 0 0.00 11 Dhar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Guna DCCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Gwalior DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Hoshangabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 15 Jabalpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 16 Jhabua DCCB 141 259.00 0 0.00 0 0.00 0 0.00 17 Khandwa DCCB 75 39.52 7 19.31 75 39.52 0 0.00 18 Khargone DCCB 58 19.20 58 19.20 29 9.60 0 0.00 19 Mandla DCCB 154 12.32 154 12.32 154 12.32 0 0.00 20 Mandsaur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 21 Morena DCCB 0 0.00 0 0.00 0 0.00 0 0.00 22 Narsinghpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 23 Panna DCCB 0 0.00 0 0.00 0 0.00 0 0.00 24 Raisen DCCB 0 0.00 0 0.00 0 0.00 0 0.00 25 Rajgarh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 26 Ratlam DCCB 88 49.50 58 32.18 44 24.75 0 0.00 27 Rewa DCCB 0 0.00 0 0.00 0 0.00 0 0.00 28 Sagar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 29 Satna DCCB 0 0.00 0 0.00 0 0.00 0 0.00 30 Sehore DCCB 4 12.57 2 9.03 4 12.57 0 0.00 31 Seoni DCCB 0 0.00 0 0.00 0 0.00 0 0.00 32 Shahdol DCCB 0 0.00 0 0.00 0 0.00 0 0.00 33 Shajapur DCCB 5 8.00 4 2.00 5 8.00 0 0.00 34 Shivpuri DCCB 0 0.00 0 0.00 0 0.00 0 0.00 35 Sidhi DCCB 0 0.00 0 0.00 0 0.00 0 0.00 36 Tikamgarh DCCB 0 0.00 0 0.00 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 255 STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S 37 Ujjain DCCB 0 0.00 0 0.00 0 0.00 0 0.00 38 Vidisha DCCB 3 0.73 0 0.00 0 0.00 0 0.00 Total 1031 540.24 784 228.14 797 239.79 0 0.00 UTTARAKHAND 1 Almora DCCB 426 77.64 0 0.00 412 68.43 14 9.21 2 Chamoli DCCB 355 149.47 247 106.21 355 149.47 0 0.00 3 Dehradun DCCB 51 30.09 35 18.06 6 6.50 45 23.59 Nainital DCCB 4 605 290.27 605 290.27 605 290.27 0 0.00 (Haldwani) 5 Pithoragarh DCCB 959 191.80 711 113.14 837 164.11 122 27.69 6 Tehri Garhwal DCCB 336 536.25 254 360.05 164 258.25 98 123.85 7 Uttarakhand STCB 102 38.93 102 38.93 0 0.00 0 0.00 8 Uttarkashi DCCB 1170 756.07 752 558.16 51 84.39 0 0.00 Udhamsinghnagar 9 320 108.45 208 75.92 320 108.45 0 0.00 DCCB Garhwal (Kotdwar) 10 599 40.18 599 40.18 599 40.18 0 0.00 DCCB 11 Haridwar DCCB 146 123.15 118 93.85 145 121.64 0 0.00 Total 5069 2342.30 3631 1694.77 3494 1291.69 279 184.34 UTTAR PRADESH 1 Agra DCCB 4 1.00 0 0.00 0 0.00 0 0.00 2 Aligarh DCCB 7 0.94 3 0.11 0 0.00 0 0.00 3 Allahabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 4 Bahrich DCCB 0 0.00 0 0.00 0 0.00 0 0.00 5 Banda DCCB 52 11.36 40 8.24 52 11.36 0 0.00 6 Bijnor DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Budaun DCCB 155 82.31 155 82.31 155 82.31 0 0.00 8 Deoria Kasia DCCB 0 0.00 0 0.00 0 0.00 0 0.00 9 Saharanpur DCCB 61 33.96 36 28.75 0 0.00 0 0.00 10 Varanasi DCCB 0 0.00 0 0.00 0 0.00 0 0.00 11 Etah DCCB 3 0.30 2 0.20 3 0.30 0 0.00 12 Etawah DCCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Farrukhabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Fatehpur DCCB 474 128.48 271 55.59 0 0.00 0 0.00 15 Firozabad DCCB 402 100.81 360 90.19 51 11.09 0 0.00 16 Ghaziabad DCCB 6 0.98 0 0.00 0 0.00 6 0.98 17 Gorakhpur DCCB 7 0.37 7 0.37 7 0.37 0 0.00 18 Hamirpur DCCB 23 17.00 5 6.00 23 17.00 0 0.00 19 Hardoi DCCB 0 0.00 0 0.00 0 0.00 0 0.00 20 Jalaun DCCB 19 4.68 13 3.77 14 0.95 5 3.73 21 Azamgarh DCCB 25 9.11 0 0.00 4 2.59 21 6.52 22 Ghazipur DCCB 1 0.09 0 0.00 0 0.00 0 0.00 23 Ballia DCCB 0 0.00 0 0.00 0 0.00 0 0.00 24 Barabanki DCCB 309 17.76 0 0.00 0 0.00 309 17.76 25 Bareilly DCCB 42 34.50 2 4.57 17 8.98 25 25.52 26 Basti DCCB 0 0.00 0 0.00 0 0.00 0 0.00 27 Bulandsahar DCCB 124 47.32 124 47.32 62 23.66 0 0.00

256 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S 28 Jaunpur DCCB 98 2.41 45 0.93 98 2.41 0 0.00 29 Jhansi DCCB 26 11.40 23 10.26 0 0.00 0 0.00 30 Kanpur DCCB 4 1.78 4 1.78 4 1.78 0 0.00 31 Lakhimpur-Khiri DCCB 737 290.89 482 159.65 253 88.25 447 198.46 32 Lalitpur DCCB 212 142.87 60 58.87 156 122.60 0 0.00 33 Lucknow DCCB 2 0.77 0 0.00 2 0.77 0 0.00 34 Meerut DCCB 35 15.00 11 2.37 0 0.00 0 0.00 35 Mirzapur DCCB 128 46.06 86 30.86 128 46.06 0 0.00 36 Muradabad DCCB 43 26.49 0 0.00 35 25.99 0 0.00 37 Pratapgarh DCCB 50 129.10 50 129.10 25 64.55 0 0.00 38 Raibareilly DCCB 10 0.46 6 0.42 0 0.00 0 0.00 39 Shahjahanpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 40 Sidharthnagar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 41 Unnao DCCB 22 1.71 11 1.09 22 1.71 0 0.00 42 Mainpuri DCCB 0 0.00 0 0.00 0 0.00 0 0.00 43 Mathura DCCB 21 14.23 3 1.42 15 10.99 0 0.00 44 Muzaffarnagar DCCB 11 15.48 2 4.66 11 15.48 0 0.00 45 Pilibhit DCCB 37 32.90 22 24.10 17 10.40 0 0.00 46 Rampur DCCB 5 4.04 5 4.04 0 0.00 0 0.00 47 Sultanpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 48 Uttar Pradesh STCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 3155 1226.56 1828 756.97 1154 549.60 813 252.97 Total Central Region 12116 6138.50 9088 4701.59 7648 3788.81 1117 466.56 EASTERN REGION ANDAMAN & NICOBAR The Andaman & Nicobar 1 962 1024.65 956 1019.06 6 2.85 0 0.00 STCB Total 962 1024.65 956 1019.06 6 2.85 0 0.00 BIHAR 1 Ara DCCB 0 0.00 0 0.00 0 0.00 0 0.00 2 Sasaram-Bhabua DCCB 0 0.00 0 0.00 0 0.00 0 0.00 3 Aurangabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 4 Begusarai DCCB 0 0.00 0 0.00 0 0.00 0 0.00 5 Bhagalpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Gopalganj DCCB 0 0.00 0 0.00 0 0.00 0 0.00 7 Katihar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 8 Khagaria DCCB 0 0.00 0 0.00 0 0.00 0 0.00 9 Magadh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 10 Monghyr-Jamui DCCB 0 0.00 0 0.00 0 0.00 0 0.00 11 Motihari DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Muzaffarpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Nalanda DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Bettiah DCCB 0 0.00 0 0.00 0 0.00 0 0.00 15 Nawadah DCCB 0 0.00 0 0.00 0 0.00 0 0.00 16 Purnea DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Rohika DCCB, 17 0 0.00 0 0.00 0 0.00 0 0.00 (Madhubani)

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 257 STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S 18 Samastipur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 19 Sitamarhi DCCB 0 0.00 0 0.00 0 0.00 0 0.00 20 Siwan DCCB 0 0.00 0 0.00 0 0.00 0 0.00 21 Vaishali DCCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 JHARKHAND 1 Dhanbad DCCB 51 13.08 51 13.08 38 8.93 6 2.45 2 Jharkhand DCCB 94 239.61 94 239.61 0 0.00 0 0.00 Total 145 252.69 145 252.69 38 8.93 6 2.45 ODISHA 1 Cuttack DCCB 3292 2132.22 3292 2132.22 2474 1149.58 818 982.64 2 Keonjhar DCCB 528 605.23 528 605.23 528 605.23 0 0.00 3 Nayagarh DCCB 509 424.07 503 419.32 45 41.03 0 0.00 4 Angul United DCCB 3697 2339.38 3697 2339.38 3697 2339.38 0 0.00 5 Aska DCCB 167 200.92 167 200.92 0 0.00 0 0.00 6 Balasore Bhadrak DCCB 7344 7720.25 7344 7720.25 0 0.00 0 0.00 7 Banki DCCB 0 0.00 0 0.00 0 0.00 0 0.00 8 Berhampore DCCB 1014 1844.61 1014 1844.61 329 615.78 315 589.61 9 Bhawanipatna DCCB 86 57.90 86 57.90 86 57.90 0 0.00 10 Bolangir DCCB 714 337.83 698 307.68 314 262.36 0 0.00 11 Boudh DCCB 282 211.71 282 211.71 0 0.00 0 0.00 12 Khurda DCCB 1545 1177.48 1545 1177.48 0 0.00 0 0.00 13 Koraput DCCB 3278 1667.06 3278 1667.06 204 245.41 0 0.00 14 Mayurbhanj DCCB 379 255.86 379 255.86 379 255.86 0 0.00 15 Sambalpur DCCB 1228 1103.23 1228 1103.23 256 269.20 0 0.00 16 Sundargarh DCCB 7757 4888.53 7757 4888.53 4764 3378.72 2993 1509.81 United Puri-Nimapara 17 0 0.00 0 0.00 0 0.00 0 0.00 DCCB Total 31820 24966.28 31798 24931.38 13076 9220.45 4126 3082.06 WEST BENGAL 1 Balageria DCCB 769 1203.86 769 1203.86 0 0.00 0 0.00 2 Bankura DCCB 12843 6762.55 12603 6650.24 10947 5748.17 0 0.00 3 Birbhum DCCB 174 119.33 174 119.33 0 0.00 0 0.00 4 Darjeeling DCCB 40 20.58 0 0.00 0 0.00 0 0.00 5 Hooghly DCCB 29613 18976.08 29613 18976.08 0 0.00 0 0.00 6 Howrah DCCB 7111 5744.78 7020 5671.22 0 0.00 0 0.00 7 Malda DCCB 4081 5999.68 4081 5999.68 4081 5999.68 0 0.00 8 Murshidabad DCCB 17329 11787.85 16920 11606.84 15540 9812.39 0 0.00 9 Nadia DCCB 31510 29868.18 29816 27308.48 0 0.00 0 0.00 10 Purulia DCCB 1662 281.36 1662 281.36 1532 233.24 130 48.12 11 Raiganj DCCB 2709 3571.09 2709 3571.09 235 275.25 0 0.00 12 Tamluk Ghatal DCCB 10672 11833.00 10672 11833.00 0 0.00 0 0.00 13 Burdwan DCCB 5889 1452.88 4982 1065.70 0 0.00 0 0.00 14 Dakshin Dinajpur DCCB 649 1262.57 649 1262.57 189 370.34 151 188.92 15 Jalpaiguri DCCB 677 362.87 588 307.07 0 0.00 0 0.00 16 Mugberia DCCB 7236 5816.04 6856 5532.62 0 0.00 0 0.00

258 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S 17 West Bengal STCB 12902 11137.00 11568 9717.78 0 0.00 0 0.00 18 Vidyasagar DCCB 4344 5866.09 4139 5445.88 0 0.00 0 0.00 Total 150210 122065.79 144821 116552.80 32524 22439.07 281 237.04 Total Eastern Region 183137 148309.41 177720 142755.93 45644 31671.30 4413 3321.55 NORTH EASTERN REGION ASSAM 1 Assam STCB 3713 1398.14 1455 934.29 3713 1398.14 0 0.00 Total 3713 1398.14 1455 934.29 3713 1398.14 0 0.00 MANIPUR 1 Manipur STCB 573 451.23 0 0.00 0 0.00 0 0.00 Total 573 451.23 0 0.00 0 0.00 0 0.00 MIZORAM 1 Mizoram STCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 SIKKIM 1 Sikkim STCB 78 63.57 78 63.57 33 28.46 0 0.00 Total 78 63.57 78 63.57 33 28.46 0 0.00 Total North Eastern 4364 1912.94 1533 997.86 3746 1426.60 0 0.00 Region NORTHERN REGION CHANDIGARH 1 Chandigarh STCB 0 0.00 0 0.00 0 0.00 0 0.00 Total 0 0.00 0 0.00 0 0.00 0 0.00 HARYANA 1 Ambala DCCB 290 32.75 290 32.75 145 12.50 100 12.50 2 Bhiwani DCCB 0 0.00 0 0.00 0 0.00 0 0.00 3 Faridabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 4 Fatehabad DCCB 55 106.30 38 70.26 55 106.30 0 0.00 5 Gurgaon DCCB 10 10.63 10 10.63 0 0.00 10 10.63 6 Hissar DCCB 310 224.33 261 151.74 0 0.00 0 0.00 7 Jhajjar DCCB 4 8.49 4 8.49 0 0.00 0 0.00 8 Jind DCCB 3 3.00 3 3.00 3 3.00 0 0.00 9 Kaithal DCCB 0 0.00 0 0.00 0 0.00 0 0.00 10 Karnal DCCB 230 16.50 230 16.50 0 0.00 0 0.00 11 Kurukshetra DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Mahendragarh DCCB 35 22.65 22 10.31 35 22.65 0 0.00 13 Panchakula DCCB 2 9.01 2 9.01 2 9.01 0 0.00 14 Panipat DCCB 31 11.96 31 11.96 0 0.00 0 0.00 15 Rewari DCCB 42 34.76 42 34.76 31 29.38 0 0.00 16 Rohtak DCCB 8 23.65 6 18.87 8 23.65 0 0.00 17 Sirsa DCCB 85 20.04 83 19.65 0 0.00 85 20.04 18 Sonepat DCCB 22 27.22 17 19.94 22 27.22 0 0.00 19 Yamunanagar DCCB 14 5.74 14 5.74 4 0.62 0 0.00 Total 1141 557.03 1053 423.61 305 234.33 195 43.17

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 259 STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S HIMACHAL PRADESH 1 Jogindra DCCB 707 744.13 707 744.13 197 345.48 0 0.00 2 Himachal Pradesh STCB 2609 2832.09 1792 2002.00 1792 2002.00 0 0.00 3 Kangra DCCB 2068 2515.52 1918 2322.21 1206 1528.35 32 37.85 Total 5384 6091.74 4417 5068.34 3195 3875.83 32 37.85 JAMMU AND KASHMIR 1 Baramulla DCCB 78 38.50 71 34.42 78 38.50 0 0.00 2 Anantnag DCCB 8 4.01 5 2.92 0 0.00 0 0.00 3 Jammu DCCB 13 7.67 13 7.67 13 7.67 0 0.00 4 Jammu & Kashmir STCB 4 1.04 4 1.04 4 1.04 0 0.00 Total 103 51.22 93 46.05 95 47.21 0 0.00 NEW DELHI 1 Delhi STCB 3 0.53 3 0.53 0 0.00 0 0.00 Total 3 0.53 3 0.53 0 0.00 0 0.00 PUNJAB 1 Amritsar DCCB 108 46.37 104 40.81 0 0.00 0 0.00 2 Bhatinda DCCB 74 50.05 74 50.05 0 0.00 0 0.00 3 Faridkot DCCB 31 16.13 31 16.13 0 0.00 0 0.00 4 Fatehgarh Sahib DCCB 134 78.64 134 78.64 0 0.00 0 0.00 5 Fazilka DCCB 17 13.98 17 13.98 0 0.00 0 0.00 6 Gurdaspur DCCB 99 36.44 99 36.44 99 36.44 0 0.00 7 Hoshiarpur DCCB 85 41.28 79 27.34 0 0.00 0 0.00 8 Jalandhar DCCB 63 64.00 62 63.80 0 0.00 0 0.00 9 Kapurthala DCCB 16 4.36 16 4.36 0 0.00 0 0.00 10 Ludhiana DCCB 188 97.45 188 97.45 0 0.00 0 0.00 11 Mansa DCCB 28 6.41 28 6.41 0 0.00 0 0.00 12 Moga DCCB 28 15.08 28 15.08 0 0.00 0 0.00 13 Muktsar DCCB 73 42.82 73 42.82 73 42.82 0 0.00 14 Nawanshahr DCCB 90 28.77 90 28.77 0 0.00 0 0.00 15 Patiala DCCB 161 78.15 161 78.15 19 20.11 0 0.00 16 Ropar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 17 Sangrur DCCB 24 29.09 22 26.60 24 29.09 0 0.00 18 Sas Nagar DCCB 20 11.58 20 11.58 0 0.00 0 0.00 19 Taran Taran DCCB 16 4.35 16 4.35 0 0.00 0 0.00 Total 1255 664.95 1242 642.76 215 128.46 0 0.00 RAJASTHAN 1 Ajmer DCCB 125 21.55 125 21.55 125 21.55 0 0.00 2 Baran DCCB 373 273.71 335 253.98 0 0.00 22 83.05 3 Chittorgarh DCCB 279 153.65 218 118.58 9 4.88 0 0.00 4 Dausa DCCB 155 171.66 133 147.30 22 24.36 0 0.00 5 Hanumangarh DCCB 85 36.57 70 30.00 0 0.00 0 0.00 6 Jhunjhunu DCCB 445 342.78 445 342.78 0 0.00 0 0.00 7 Sawai Madhopur DCCB 436 90.80 416 69.70 0 0.00 0 0.00 8 Alwar DCCB 4300 142.32 4300 142.32 870 57.14 0 0.00 9 Banswara DCCB 665 228.42 665 228.42 665 228.42 0 0.00 10 Barmer DCCB 531 383.98 531 383.98 0 0.00 0 0.00

260 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S 11 Bharatpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Bundi DCCB 365 194.77 365 194.77 213 101.50 0 0.00 13 Bhilwara DCCB 171 35.66 168 33.48 12 15.28 0 0.00 14 Bikaner DCCB 306 336.62 306 336.62 13 28.01 0 0.00 15 Tonk DCCB 241 82.74 92 29.06 156 64.80 85 17.94 16 Churu DCCB 316 216.35 266 144.96 16 27.79 0 0.00 17 Dungarpur DCCB 334 224.51 334 224.51 26 57.61 0 0.00 18 Ganganagar DCCB 240 106.39 240 106.39 0 0.00 2 3.94 19 Jaipur DCCB 1314 1221.31 1314 1221.31 0 0.00 0 0.00 20 Jaisalmer DCCB 586 440.50 586 440.50 529 386.75 57 53.75 21 Jalore DCCB 113 70.06 104 60.66 113 70.06 0 0.00 22 Jhalawar DCCB 471 373.81 297 289.40 62 31.12 0 0.00 23 Jodhpur DCCB 110 104.49 100 99.60 53 79.00 0 0.00 24 Kota DCCB 1282 190.34 1278 189.49 87 18.82 33 5.94 25 Nagaur DCCB 329 211.71 329 211.71 329 211.71 0 0.00 26 Pali DCCB 319 405.44 319 405.44 0 0.00 0 0.00 27 Rajasthan STCB 0 0.00 0 0.00 0 0.00 0 0.00 28 Sikar DCCB 595 520.61 595 520.61 0 0.00 0 0.00 29 Sirohi DCCB 229 108.59 229 108.59 5 1.81 0 0.00 30 Udaipur DCCB 521 190.96 499 173.56 521 190.96 0 0.00 Total 15236 6880.30 14659 6529.27 3826 1621.57 199 164.62 Total Northern Region 23122 14245.77 21467 12710.56 7636 5907.40 426 245.64 SOUTHERN REGION ANDHRA PRADESH 1 Anantpur DCCB 1064 1663.67 1064 1663.67 0 0.00 0 0.00 2 Andhra Pradesh STCB 372 281.00 372 281.00 0 0.00 0 0.00 3 Chittoor DCCB 413 380.54 413 380.54 0 0.00 0 0.00 4 Eluru DCCB 1365 2202.25 1365 2202.25 0 0.00 0 0.00 5 Kakinada DCCB 95 180.23 95 180.23 95 180.23 0 0.00 6 Kurnool DCCB 107 252.20 102 249.89 107 252.20 0 0.00 7 Srikakulam DCCB 128 129.60 128 129.60 128 129.60 0 0.00 8 Visakhapatnam DCCB 832 1656.36 832 1656.36 832 1656.36 0 0.00 9 Vizianagaram DCCB 0 0.00 0 0.00 0 0.00 0 0.00 10 Guntur DCCB 1548 2823.92 1544 2812.06 0 0.00 0 0.00 11 Kadapa DCCB 0 0.00 0 0.00 0 0.00 0 0.00 12 Krishna DCCB 6687 19785.73 6687 19785.73 0 0.00 0 0.00 13 Nellore DCCB 8 2.41 8 2.41 0 0.00 0 0.00 14 Prakasam DCCB 542 1144.11 542 1144.11 0 0.00 0 0.00 Total 13161 30502.02 13152 30487.85 1162 2218.39 0 0.00 KARNATAKA 1 Bagalkot DCCB 171 238.21 166 228.21 41 30.85 52 52.24 2 Mandya DCCB 6229 15944.25 5854 15091.86 4075 10404.42 2154 5539.83 3 Belagavi DCCB 1531 2163.80 1512 2022.64 1132 1590.57 399 573.23 4 Bellary DCCB 816 1135.17 805 1121.41 749 1063.80 0 0.00 5 Bengaluru DCCB 1256 2556.09 1238 2511.82 1093 1956.58 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 261 STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S 6 Chikmagalur DCCB 1298 1030.11 1050 994.00 582 726.00 0 0.00 7 Chitradurga DCCB 727 804.88 723 799.94 508 643.87 17 22.51 8 Dawangere DCCB 430 505.55 421 495.43 430 505.55 0 0.00 9 Bidar DCCB 10793 21616.98 10519 20976.53 0 0.00 0 0.00 Gulbarga And Yadgir 10 1004 486.25 1004 486.25 0 0.00 0 0.00 DCCB 11 Hassan DCCB 2831 6754.56 2689 6416.83 2339 5887.40 87 201.00 12 Kanara DCCB 2555 2256.05 2427 2131.24 1680 1471.79 747 659.45 Karnataka DCCB 13 796 1074.31 478 616.61 335 348.95 14 27.79 (Dharwad) 14 Kodagu DCCB 1325 3112.68 1069 2678.68 288 864.00 0 0.00 Kolar And 15 23771 44677.86 23747 44563.14 0 0.00 0 0.00 Chickaballapur DCCB Mysore And 16 977 818.39 937 790.45 89 95.48 0 0.00 Chamarajnagar DCCB 17 Raichur DCCB 923 739.81 923 739.81 719 548.12 201 188.29 18 Shimoga DCCB 2757 7987.36 2387 6915.43 2220 6431.61 111 321.55 19 South Canara DCCB 15171 17286.34 9269 11345.83 15171 17286.34 0 0.00 20 Tumkur DCCB 1599 5161.02 1278 4131.32 1256 4040.19 0 0.00 21 Vijayapura DCCB 1171 800.06 1048 716.54 0 0.00 0 0.00 Total 78131 137149.73 69544 125773.97 32707 53895.52 3782 7585.89 KERALA 1 Alappuzha DCCB 2454 15397.30 2258 14165.52 0 0.00 0 0.00 2 Ernakulam DCCB 789 4128.74 789 4128.74 0 0.00 0 0.00 3 Idukki DCCB 63335 13591.79 62907 12345.59 63335 13591.79 0 0.00 4 Kannur DCCB 896 17920.00 440 8800.00 448 8960.00 0 0.00 5 Kasaragod DCCB 612 1439.29 573 1336.29 612 1439.29 0 0.00 6 Kollam DCCB 1867 3191.00 1127 2836.00 176 525.00 0 0.00 7 Kottayam DCCB 20 53.36 20 53.36 0 0.00 0 0.00 8 Kozhikode DCCB 463 1242.00 411 1017.00 387 969.00 76 273.00 9 Malappuram DCCB 515 835.46 515 835.46 124 268.46 3 4.96 10 Palakkad DCCB 108 212.09 107 208.97 0 0.00 0 0.00 11 Pathanamthitta DCCB 1716 6456.06 1664 6227.70 858 3228.03 0 0.00 Thiruvananthapuram 12 493 2316.89 493 2316.89 493 2316.89 0 0.00 DCCB 13 Wayanad DCCB 3381 9515.73 3381 9515.73 3381 9515.73 0 0.00 14 Thrissur DCCB 795 2922.00 795 2922.00 0 0.00 0 0.00 Total 77444 79221.71 75480 66709.25 69814 40814.19 79 277.96 PUDUCHERRY 1 Pondicherry STCB 676 1491.69 650 1486.72 676 1491.69 0 0.00 Total 676 1491.69 650 1486.72 676 1491.69 0 0.00 TAMIL NADU 1 Chennai DCCB 372 668.42 372 668.42 0 0.00 0 0.00 2 Dindigul DCCB 1053 2675.70 1001 2607.98 71 61.24 982 2614.46 3 Coimbatore DCCB 2631 6788.62 2552 6607.36 1747 4371.85 884 2416.77 4 Cuddalore DCCB 7453 5559.79 7383 5534.64 6523 4279.14 930 1280.65 5 Dharmapuri DCCB 1831 5364.17 1768 5265.50 181 124.12 0 0.00

262 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S 6 Erode DCCB 2828 5778.86 2827 5775.64 2725 5535.67 103 243.19 7 Kancheepuram DCCB 892 2947.17 892 2947.17 0 0.00 0 0.00 8 Kanyakumari DCCB 4178 15933.27 3760 14339.94 0 0.00 0 0.00 9 Kumbakonam DCCB 4103 6078.70 4103 6078.70 150 320.85 0 0.00 10 Madurai DCCB 1538 3282.56 1538 3282.56 1096 2335.05 308 762.18 11 Nilgiris DCCB 1734 5508.90 1722 5492.25 0 0.00 0 0.00 12 Pudukottai DCCB 1618 3252.12 1601 3201.02 0 0.00 0 0.00 13 Ramanathapuram DCCB 2383 2805.08 2383 2805.08 2023 1825.03 360 980.05 14 Salem DCCB 13340 19540.20 12673 18563.19 8004 11724.12 4002 5862.06 15 Sivgangai DCCB 3754 6833.56 3754 6833.56 0 0.00 0 0.00 16 Thanjavur DCCB 4911 7416.60 4911 7416.60 4532 6692.47 379 724.13 17 Tiruchirapalli DCCB 9586 20309.20 9516 20098.80 8730 16723.20 856 3586.00 18 Tirunelveli DCCB 974 3387.79 974 3387.79 974 3387.79 0 0.00 19 Tiruvannamalai DCCB 10670 11338.21 10652 11308.36 10670 11338.21 0 0.00 20 Vellore DCCB 5742 7742.04 5742 7742.04 0 0.00 1025 1883.62 21 Villupuram DCCB 1877 2542.67 1658 1958.00 1877 2542.67 0 0.00 22 Virudhunagar DCCB 1461 3147.91 1461 3147.91 0 0.00 0 0.00 23 Thoothukudi DCCB 1940 8515.22 1939 8514.22 1751 8029.65 189 485.57 Total 86869 157416.76 85182 153576.73 51054 79291.06 10018 20838.68 TELANGANA 1 Adilabad DCCB 349 483.09 318 439.26 349 483.09 0 0.00 2 Khammam DCCB 344 629.48 344 629.48 344 629.48 0 0.00 3 Medak DCCB 3651 16124.78 3651 16124.78 0 0.00 0 0.00 4 Warangal DCCB 89 23.94 89 23.94 0 0.00 0 0.00 5 Hyderabad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 6 Karimnagar DCCB 8064 21390.34 4032 10695.17 0 0.00 0 0.00 7 Mahbubnagar DCCB 9 14.94 9 14.94 9 14.94 0 0.00 8 Nalgonda DCCB 467 462.83 467 462.83 0 0.00 0 0.00 9 Nizamabad DCCB 2473 5278.19 2473 5278.19 0 0.00 0 0.00 10- Telangana STCB 1518 2692.42 1466 2684.30 0 0.00 1518 2692.42 Total 16964 47100.01 12849 36352.89 702 1127.51 1518 2692.42 Total Southern Region 273245 452881.92 256857 414387.41 156115 178838.36 15397 31394.95 WESTERN REGION GOA 1 Goa STCB 312 624.20 310 623.18 0 0.00 0 0.00 Total 312 624.20 310 623.18 0 0.00 0 0.00 GUJARAT 1 Banaskantha DCCB 4315 21.73 4309 21.00 4315 21.73 0 0.00 2 Bhavnagar DCCB 8 45.00 3 26.00 0 0.00 0 0.00 3 Mehsana DCCB 240 218.00 86 67.00 0 0.00 0 0.00 4 Panchmahals DCCB 24 11.80 21 10.33 0 0.00 0 0.00 5 Rajkot DCCB 719 700.94 717 697.64 81 74.27 0 0.00 6 Sabarkantha DCCB 57 54.22 56 54.04 0 0.00 0 0.00 7 Surat DCCB 211 82.63 211 82.63 0 0.00 0 0.00 8 Ahmedabad DCCB 101 53.14 77 36.86 70 35.89 0 0.00 9 Amreli DCCB 100 37.59 100 37.59 0 0.00 0 0.00 10 Baroda DCCB 0 0.00 0 0.00 0 0.00 0 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 263 STATEMENT - V - C (contd.)

(Amt. R lakh) Total Bank Loans Out of Total - Exclusive Out of Total - NRLM/ Out of Total SHGs outstanding against Sr. Women SHGs SGSY SHGs -NULM/SJSRY SHGs Name of Bank SHGs No. No. of Loans No. of Loans No. of Loans No. of Loans SHGs O/S SHGs O/S SHGs O/S SHGs O/ S 11 Bharuch DCCB 45 322.70 19 150.18 0 0.00 0 0.00 12 Gujarat STCB 0 0.00 0 0.00 0 0.00 0 0.00 13 Jamnagar DCCB 54 20.69 54 20.69 0 0.00 0 0.00 14 Junagadh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 15 Kachchh DCCB 0 0.00 0 0.00 0 0.00 0 0.00 16 Kaira DCCB 2 0.09 1 0.01 0 0.00 2 0.09 17 Kodinar DCCB 196 114.97 196 114.97 0 0.00 0 0.00 18 Surendranagar DCCB 0 0.00 0 0.00 0 0.00 0 0.00 19 Valsad DCCB 6 5.07 6 5.07 0 0.00 0 0.00 Total 6078 1688.57 5856 1324.01 4466 131.89 2 0.09 MAHARASHTRA 1 Akola DCCB 242 106.46 242 106.46 128 73.64 0 0.00 2 Amrawati DCCB 373 145.13 293 115.12 0 0.00 0 0.00 3 Aurangabad DCCB 177 118.09 176 115.09 25 17.35 0 0.00 4 Beed DCCB 222 181.37 222 181.37 122 101.34 0 0.00 5 Bhandara DCCB 1059 673.19 1053 671.49 848 501.33 0 0.00 6 Buldhana DCCB 35 55.21 17 32.40 35 55.21 0 0.00 7 Chandrapur DCCB 4083 2627.77 4083 2627.77 2307 1455.54 485 381.48 Dhule & Nandurbar 8 434 561.49 386 508.26 31 77.23 0 0.00 DCCB 9 Gadchiroli DCCB 1970 1171.93 1964 1162.63 667 410.40 0 0.00 10 Jalna DCCB 53 41.82 51 35.03 0 0.00 0 0.00 11 Kolhapur DCCB 838 652.07 838 652.07 391 282.88 0 0.00 12 Latur DCCB 1592 390.11 1592 390.11 324 204.96 0 0.00 13 Nagpur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 14 Nasik DCCB 32 25.85 32 25.85 32 25.85 0 0.00 15 Osmanabad DCCB 4 1.26 3 1.19 0 0.00 4 1.26 16 Parbhani DCCB 668 642.34 495 426.84 494 415.64 0 0.00 17 Pune DCCB 1089 1004.46 1082 999.21 71 52.07 0 0.00 18 Raigad DCCB 0 0.00 0 0.00 0 0.00 0 0.00 19 Ratnagiri DCCB 256 319.70 251 317.01 35 24.10 0 0.00 20 Sangli DCCB 905 594.21 845 559.54 620 495.13 0 0.00 21 Sindhudurg DCCB 6442 6864.67 6442 6864.67 762 670.43 0 0.00 22 Solapur DCCB 0 0.00 0 0.00 0 0.00 0 0.00 23 Ahmednagar DCCB 716 418.33 716 418.33 285 193.21 0 0.00 24 Gondia DCCB 1287 2383.00 1258 2367.53 1287 2383.00 0 0.00 25 Jalgaon DCCB 211 187.92 211 187.92 0 0.00 0 0.00 26 Maharashtra STCB 0 0.00 0 0.00 0 0.00 0 0.00 27 Mumbai DCCB 0 0.00 0 0.00 0 0.00 0 0.00 28 Nanded DCCB 32 2.29 32 2.29 0 0.00 0 0.00 29 Satara DCCB 169 85.17 169 85.17 35 45.00 0 0.00 30 Thane DCCB 4989 7685.18 4989 7685.18 101 66.13 0 0.00 31 Wardha DCCB 386 173.18 341 150.33 103 66.25 0 0.00 32 Yavatmal DCCB 2565 910.08 2378 820.64 2565 910.08 0 0.00 Total 30829 28022.28 30161 27509.50 11268 8526.77 489 382.74 Total Western Region 37219 30335.05 36327 29456.69 15734 8658.66 491 382.83 Grand Total 533203 653823.59 502992 605010.04 236523 230291.13 21844 35811.53

264 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I)

Progress under Microﬁnance - NPAs against Bank loans to SHGs of Public Sector Com. Banks as on 31 March 2020 (Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S CENTRAL REGION CHHATTISGARH 1 Allahabad Bank 30.27 2.18 20.57 1.53 15.81 1.21 7.45 9.43 2 Andhra Bank 14.76 11.20 14.76 11.29 1.68 1.64 13.08 45.86 3 Bank of Baroda 363.70 6.06 289.80 5.18 231.85 10.91 18.00 27.59 4 Bank of India 234.00 18.22 234.00 18.22 91.00 8.80 143.00 57.20 Bank of 5 36.51 3.68 5.13 0.94 10.58 1.25 24.37 20.63 Maharashtra 6 Canara Bank 25.96 2.20 20.50 1.77 5.48 0.92 20.28 5.35 Central Bank of 7 420.63 5.90 67.38 7.66 67.38 7.66 5.21 100.00 India 8 Corporation Bank 28.93 17.52 20.35 19.29 0.82 2.21 0.17 2.69 9 Indian Bank 12.00 5.41 12.00 5.50 1.00 0.71 0.00 0.00 Indian Overseas 10 14.98 1.87 10.20 1.34 0.00 0.00 0.00 0.00 Bank Oriental Bank of 11 49.88 19.30 27.17 13.80 27.08 15.73 0.93 1.69 Commerce Punjab and Sind 12 17.54 29.05 5.73 11.96 0.05 0.19 17.49 52.19 Bank Punjab National 13 394.81 9.70 361.45 9.01 132.64 4.40 0.00 0.00 Bank 14 State Bank of India 509.00 4.78 466.00 4.78 275.00 3.04 6.00 3.82 15 Syndicate Bank 15.78 11.34 15.78 11.34 10.25 14.19 0.50 2.64 16 Uco Bank 700.46 49.16 567.72 47.65 389.01 41.48 305.16 66.20 17 Union Bank of India 60.00 4.75 37.00 5.59 53.00 4.47 0.00 0.00 Total 2929.21 7.88 2175.54 7.77 1312.63 6.02 561.64 28.69 MADHYA PRADESH 1 Allahabad Bank 301.51 41.68 98.04 19.65 89.46 18.44 9.26 28.28 2 Andhra Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of Baroda 229.32 17.86 193.27 18.02 117.31 16.21 0.00 0.00 4 Bank of India 1635.00 17.13 1043.00 14.96 581.00 14.04 554.00 17.76 Bank of 5 273.30 30.62 112.37 36.58 139.95 29.79 67.36 20.96 Maharashtra 6 Canara Bank 184.01 22.90 184.01 22.90 2.96 8.19 73.12 14.66 Central Bank of 7 1501.28 29.59 256.27 30.63 256.27 30.63 15.46 100.00 India 8 Corporation Bank 4.54 34.71 2.54 51.94 0.00 0.00 0.29 82.86 9 Indian Bank 32.00 2.71 31.00 2.68 0.00 0.00 0.00 0.00 Indian Overseas 10 8.85 8.93 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 11 49.70 84.90 16.41 66.38 29.28 84.72 12.19 84.59 Commerce

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 265 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Punjab and Sind 12 214.81 98.83 134.19 98.28 27.70 92.18 187.11 99.89 Bank Punjab National 13 883.78 30.10 845.86 29.25 94.81 5.89 0.00 0.00 Bank 14 State Bank of India 559.00 9.99 553.00 9.99 201.00 10.17 19.00 10.38 15 Syndicate Bank 54.16 15.42 54.16 16.19 15.00 35.71 18.25 28.97 16 Uco Bank 1641.63 85.35 1269.56 86.41 878.79 93.18 741.03 78.00 17 Union Bank of India 699.00 40.93 412.00 60.15 409.00 50.37 5.00 3.42 Total 8271.89 25.50 5205.68 22.87 2842.53 23.32 1702.07 30.30 UTTARAKHAND 1 Allahabad Bank 83.76 75.05 2.23 7.51 2.23 9.20 0.94 13.93 2 Andhra Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of Baroda 51.34 20.30 51.31 27.48 20.26 10.81 0.00 0.00 4 Bank of India 1.00 8.33 1.00 12.50 1.00 8.33 0.00 0.00 Bank of 5 2.47 20.84 0.00 0.00 0.51 68.00 1.96 17.66 Maharashtra 6 Canara Bank 76.71 24.64 70.26 23.45 2.89 44.74 27.67 14.52 Central Bank of 7 0.80 3.61 0.00 0.00 0.00 0.00 0.00 0.00 India 8 Corporation Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 10 39.29 31.84 13.96 18.05 0.00 0.00 0.00 0.00 Bank Oriental Bank of 11 11.80 23.21 4.90 13.07 0.08 0.26 1.90 49.22 Commerce Punjab and Sind 12 28.59 38.85 15.78 25.96 26.04 39.16 2.55 35.97 Bank Punjab National 13 305.17 54.53 299.18 54.59 0.51 1.06 0.00 0.00 Bank 14 State Bank of India 468.00 23.61 468.00 23.61 170.00 13.57 5.00 19.23 15 Syndicate Bank 0.19 0.13 0.19 0.13 0.00 0.00 0.00 0.00 16 Uco Bank 56.42 27.99 42.12 26.45 10.95 10.11 45.09 56.67 17 Union Bank of India 7.00 2.28 4.00 2.25 2.00 0.77 0.00 0.00 Total 1132.54 27.07 972.93 26.08 236.47 11.66 85.11 24.01 UTTAR PRADESH 1 Allahabad Bank 6685.02 91.35 807.29 60.70 558.96 53.11 89.13 59.93 2 Andhra Bank 0.11 1.49 0.11 1.49 0.11 2.78 0.00 0.00 3 Bank of Baroda 2992.07 53.76 2666.83 87.71 1525.23 60.49 0.00 0.00 4 Bank of India 357.00 40.80 221.00 32.03 303.00 41.00 45.00 37.82 Bank of 5 46.35 13.48 1.70 3.85 6.16 12.40 40.19 15.56 Maharashtra 6 Canara Bank 566.46 43.52 528.08 42.16 150.96 45.17 270.08 38.16

266 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Central Bank of 7 1321.80 68.47 130.91 63.36 130.91 63.36 15.91 99.94 India 8 Corporation Bank 6.77 18.51 0.51 4.68 0.51 8.39 3.13 50.00 9 Indian Bank 68.00 15.63 67.00 15.73 0.00 0.00 0.00 0.00 Indian Overseas 10 334.96 59.63 156.39 59.57 4.31 24.60 0.00 0.00 Bank Oriental Bank of 11 159.84 57.70 53.02 40.41 88.78 51.65 10.98 46.53 Commerce Punjab and Sind 12 333.27 75.65 278.31 77.58 296.53 76.41 36.74 70.05 Bank Punjab National 13 2757.35 66.97 2672.73 66.72 103.25 25.21 0.00 0.00 Bank 14 State Bank of India 102.00 10.76 102.00 10.76 34.00 7.59 2.00 10.53 15 Syndicate Bank 369.43 44.97 369.43 46.84 180.00 47.10 55.00 41.90 16 Uco Bank 1493.22 82.65 1306.83 82.94 593.20 89.43 867.61 78.99 17 Union Bank of India 1216.00 20.78 806.00 16.28 678.00 26.41 20.00 4.47 United Bank of 18 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 India Total 18809.65 57.63 10168.14 50.76 4653.91 46.61 1455.77 44.91 Total Central 31143.29 29.26 18522.29 24.85 9045.54 19.66 3804.59 34.06 Region EASTERN REGION ANDAMAN & NICOBAR 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 India 6 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab National 9 0.21 100.00 0.21 100.00 0.00 0.00 0.00 0.00 Bank 10 State Bank of India 4.00 11.43 4.00 11.43 4.00 11.43 0.00 0.00 11 Syndicate Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 Uco Bank 4.85 100.00 3.20 100.00 0.00 0.00 4.85 100.00 13 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 9.06 13.17 7.41 11.03 4.00 11.43 4.85 100.00 BIHAR 1 Allahabad Bank 551.38 14.70 165.02 4.98 136.72 4.24 24.74 23.49

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 267 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 2 Andhra Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of Baroda 238.64 0.71 210.62 0.66 128.87 12.75 0.00 0.00 4 Bank of India 789.00 5.22 771.00 5.59 789.00 5.22 0.00 0.00 Bank of 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 6 Canara Bank 218.95 2.10 175.16 1.75 64.75 2.20 0.78 2.30 Central Bank of 7 2787.14 7.30 636.69 18.46 636.69 18.46 15.85 100.00 India 8 Corporation Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Indian Bank 35.00 1.03 34.00 1.02 1.00 0.74 0.00 0.00 Indian Overseas 10 12.10 3.38 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 13 3809.53 10.23 3712.52 10.27 332.46 1.31 0.00 0.00 Bank 14 State Bank of India 4757.00 2.66 4625.00 2.67 3949.00 2.28 44.00 2.58 15 Syndicate Bank 15.21 0.99 15.21 1.02 15.21 19.06 0.00 0.00 16 Uco Bank 2962.45 10.73 2478.05 9.80 2074.65 12.08 173.82 88.61 17 Union Bank of India 15.00 0.85 15.00 0.88 15.00 0.87 0.00 0.00 United Bank of 18 196.00 18.83 196.00 18.83 196.00 20.57 0.00 0.00 India Total 16387.40 4.65 13034.27 4.27 8339.35 3.41 259.19 8.37 JHARKHAND 1 Allahabad Bank 516.74 24.39 79.90 4.81 57.87 3.57 10.01 24.64 2 Andhra Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of Baroda 47.15 3.94 41.69 4.13 38.96 6.93 0.00 0.00 4 Bank of India 222.00 1.81 222.00 1.81 99.00 1.26 5.00 2.19 Bank of 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 6 Canara Bank 18.09 0.30 15.38 0.26 15.53 0.27 1.60 1.42 Central Bank of 7 335.54 19.30 59.64 52.48 59.64 52.48 0.00 0.00 India 8 Corporation Bank 3.48 13.41 1.74 7.57 0.00 0.00 1.74 100.00 9 Indian Bank 58.00 8.57 57.00 8.60 58.00 8.81 0.00 0.00 Indian Overseas 10 40.59 24.24 39.63 24.54 2.03 2.78 0.00 0.00 Bank Oriental Bank of 11 0.32 13.79 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 12 23.46 77.63 18.95 73.71 0.00 0.00 23.46 96.78 Bank

268 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Punjab National 13 1079.51 34.93 1062.29 34.64 42.42 2.58 0.00 0.00 Bank 14 State Bank of India 492.00 2.46 488.00 2.46 297.00 1.70 1.00 2.38 15 Syndicate Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16 Uco Bank 677.90 55.11 592.44 52.95 509.87 53.41 164.66 70.14 17 Union Bank of India 21.00 0.85 18.00 1.71 17.00 1.27 0.00 0.00 United Bank of 18 316.00 33.51 316.00 33.51 316.00 37.44 0.00 0.00 India Total 3851.78 7.36 3012.66 6.25 1513.32 3.89 207.47 22.40 ODISHA 1 Allahabad Bank 457.74 9.38 287.76 6.25 242.38 5.52 1.22 0.45 2 Andhra Bank 735.57 12.78 714.01 12.51 504.99 9.73 209.02 40.46 3 Bank of Baroda 379.96 5.16 351.01 5.37 237.19 4.16 78.60 24.30 4 Bank of India 309.00 2.11 309.00 2.11 275.00 1.92 34.00 11.81 Bank of 5 3.54 6.19 0.61 4.00 0.61 5.29 2.93 7.72 Maharashtra 6 Canara Bank 101.79 1.11 86.59 0.97 59.80 1.08 22.95 7.07 Central Bank of 7 293.67 5.14 17.04 6.44 17.04 6.44 0.20 100.00 India 8 Corporation Bank 8.08 2.37 4.15 1.76 0.22 0.12 3.93 20.75 9 Indian Bank 188.00 3.39 184.00 3.39 64.00 1.65 0.00 0.00 Indian Overseas 10 3904.52 38.87 1198.01 16.59 455.38 11.75 0.53 0.27 Bank Oriental Bank of 11 21.61 7.32 11.57 4.41 9.17 7.56 0.00 0.00 Commerce Punjab and Sind 12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 13 346.78 6.09 327.08 5.81 45.44 1.27 0.00 0.00 Bank 14 State Bank of India 2432.00 2.89 2386.00 2.89 1438.00 1.90 60.00 2.92 15 Syndicate Bank 33.15 1.08 22.50 0.78 30.65 3.54 2.50 2.17 16 Uco Bank 8428.74 27.54 7159.53 26.19 6154.02 22.49 1576.32 86.94 17 Union Bank of India 179.00 4.35 152.00 7.90 143.00 3.97 4.00 14.29 United Bank of 18 557.00 6.68 557.00 6.68 557.00 7.32 0.00 0.00 India Total 18380.15 9.19 13767.86 7.54 10233.89 6.31 1996.20 27.87 WEST BENGAL 1 Allahabad Bank 322.80 0.43 273.01 0.37 265.74 0.37 5.62 0.35 2 Andhra Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of Baroda 74.84 0.91 69.24 1.11 36.48 0.63 2.19 2.94 4 Bank of India 249.00 1.61 245.00 1.59 208.00 1.76 25.00 7.79 Bank of 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 269 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 6 Canara Bank 115.32 1.03 102.47 0.93 7.82 0.16 0.00 0.00 Central Bank of 7 361.14 0.72 52.05 0.90 52.05 0.90 0.00 0.00 India 8 Corporation Bank 2.49 0.50 2.23 1.17 1.50 6.20 0.00 0.00 9 Indian Bank 260.00 8.77 255.00 8.78 22.00 1.08 0.00 0.00 Indian Overseas 10 87.32 2.89 37.46 1.30 2.87 0.38 0.00 0.00 Bank Oriental Bank of 11 0.73 0.23 0.10 0.04 0.73 0.41 0.00 0.00 Commerce Punjab and Sind 12 0.97 1.15 0.97 1.15 0.00 0.00 0.97 1.17 Bank Punjab National 13 378.28 1.17 373.60 1.17 121.58 0.44 0.00 0.00 Bank 14 State Bank of India 1221.00 0.76 1211.00 0.76 858.00 0.57 19.00 0.68 15 Syndicate Bank 46.95 0.82 46.95 0.92 12.17 1.92 4.40 2.16 16 Uco Bank 1643.66 4.52 1483.26 4.52 246.03 0.85 360.12 73.14 17 Union Bank of India 208.00 2.72 190.00 3.47 168.00 2.55 4.00 10.81 United Bank of 18 2741.00 2.24 2741.00 2.24 2659.00 2.20 6.00 1.51 India Total 7713.50 1.45 7083.34 1.49 4661.97 1.06 427.30 5.22 Total Eastern 46341.89 4.07 36905.54 3.64 24752.53 2.80 2895.01 14.94 Region NORTH EASTERN REGION ARUNACHAL PRADESH 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank of 4 3.41 100.00 3.41 100.00 0.00 0.00 0.00 0.00 Maharashtra 5 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 India 7 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 11 45.68 85.18 44.77 84.92 38.80 86.78 0.00 0.00 Bank 12 State Bank of India 27.00 39.71 27.00 39.71 3.00 27.27 0.00 0.00 13 Syndicate Bank 4.91 23.88 4.91 23.88 0.00 0.00 0.00 0.00

270 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 14 Uco Bank 0.06 100.00 0.00 0.00 0.06 100.00 0.00 0.00 Total 81.06 48.14 80.09 53.97 41.86 74.13 0.00 0.00 ASSAM 1 Allahabad Bank 171.72 8.23 46.41 2.49 46.16 2.49 2.07 3.48 2 Bank of Baroda 102.25 12.90 61.80 11.70 19.95 9.03 0.00 0.00 3 Bank of India 13.00 2.70 13.00 3.16 8.00 2.11 0.00 0.00 Bank of 4 0.67 0.56 0.67 0.88 0.67 0.63 0.00 0.00 Maharashtra 5 Canara Bank 48.11 17.73 41.47 16.13 7.64 6.83 6.89 19.28 Central Bank of 6 593.25 20.45 32.86 10.99 32.86 10.99 0.00 0.00 India 7 Corporation Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Indian Bank 20.00 8.51 20.00 8.70 8.00 15.09 0.00 0.00 Indian Overseas 9 133.22 12.83 84.34 17.95 12.05 17.37 0.00 0.00 Bank Oriental Bank of 10 0.10 1.79 0.10 1.79 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 11 14.77 72.97 10.43 65.60 0.00 0.00 14.77 88.55 Bank Punjab National 12 459.56 61.67 437.11 61.05 56.14 33.53 0.00 0.00 Bank 13 State Bank of India 326.00 4.00 326.00 4.00 169.00 2.93 5.00 4.00 14 Syndicate Bank 1.94 0.59 1.94 0.59 0.00 0.00 0.00 0.00 15 Uco Bank 3285.55 45.95 3155.57 46.05 3019.03 44.24 149.51 74.41 16 Union Bank of India 193.00 25.60 126.00 26.03 90.00 25.42 0.00 0.00 United Bank of 17 1509.00 24.54 1509.00 24.54 1509.00 25.80 0.00 0.00 India Total 6872.14 21.98 5866.70 21.84 4978.50 22.54 178.24 29.06 MANIPUR 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.56 0.97 0.56 1.86 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank of 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 5 Canara Bank 2.96 16.14 2.96 16.14 0.00 0.00 2.96 60.41 Central Bank of 6 56.05 83.94 0.06 2.22 0.06 2.22 0.00 0.00 India 7 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 271 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Punjab and Sind 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank 12 State Bank of India 4.00 2.99 4.00 2.99 3.00 4.84 0.00 0.00 13 Uco Bank 2.66 4.99 2.66 5.00 2.66 6.30 0.00 0.00 Total 66.23 18.67 10.24 3.89 5.72 4.38 2.96 50.17 MEGHALAYA 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 India 6 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab National 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank 10 State Bank of India 14.00 8.81 14.00 8.81 7.00 7.22 0.00 0.00 11 Syndicate Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 Uco Bank 14.31 92.14 13.82 96.17 9.86 100.00 3.89 76.13 13 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 28.31 14.59 27.82 14.43 16.86 15.70 3.89 39.69 MIZORAM 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank of 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 5 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 India 7 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab National 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank 11 State Bank of India 7.00 5.22 7.00 5.22 6.00 5.22 1.00 5.26

272 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 12 Syndicate Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13 Uco Bank 18.51 76.74 12.76 69.46 0.00 0.00 18.51 100.00 Total 25.51 12.20 19.76 9.72 6.00 4.97 19.51 24.21 NAGALAND 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 3.51 5.30 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank of 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 5 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 6 3.29 4.57 0.00 0.00 0.00 0.00 0.00 0.00 India 7 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank 12 State Bank of India 10.00 1.62 10.00 1.62 8.00 1.39 0.00 0.00 13 Uco Bank 43.16 69.01 28.40 66.39 10.35 66.99 32.81 69.68 14 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 59.96 7.23 38.40 5.45 18.35 3.09 32.81 64.27 SIKKIM 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 5 1.87 1.15 0.00 0.00 0.00 0.00 0.00 0.00 India 6 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab National 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank 10 State Bank of India 14.00 1.44 14.00 1.44 6.00 0.70 0.00 0.00 11 Syndicate Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 Uco Bank 2.76 12.87 1.30 12.00 0.00 0.00 2.76 16.91

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 273 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 13 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 18.63 1.38 15.30 1.31 6.00 0.63 2.76 13.52 TRIPURA 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank of 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 5 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 6 10.38 100.00 0.00 0.00 0.00 0.00 0.00 0.00 India 7 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank 12 State Bank of India 97.00 33.22 97.00 33.22 50.00 32.68 0.00 0.00 13 Uco Bank 122.54 48.09 106.49 45.79 73.51 39.29 45.98 71.45 14 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 United Bank of 15 839.00 70.56 839.00 70.56 839.00 76.90 0.00 0.00 India Total 1068.92 57.87 1042.49 57.74 962.51 65.18 45.98 37.03 Total North 8220.76 22.70 7100.80 22.65 6035.80 23.65 286.15 31.61 Eastern Region NORTHERN REGION CHANDIGARH 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.10 0.18 0.03 0.06 0.00 0.00 0.00 0.00 Bank of 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 5 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 India 7 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce

274 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Punjab and Sind 10 2.82 94.95 0.00 0.00 0.00 0.00 2.82 94.95 Bank Punjab National 11 0.47 18.22 0.47 18.22 0.00 0.00 0.00 0.00 Bank 12 State Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13 Uco Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 3.39 2.45 0.50 0.41 0.00 0.00 2.82 21.91 HARYANA 1 Allahabad Bank 20.24 27.26 3.82 7.28 3.82 8.07 0.00 0.00 2 Andhra Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of Baroda 1.85 7.02 1.85 7.68 1.85 10.48 0.00 0.00 4 Bank of India 24.00 9.30 5.00 3.52 0.00 0.00 0.00 0.00 Bank of 5 2.97 2.06 0.00 0.00 0.00 0.00 2.97 2.33 Maharashtra 6 Canara Bank 42.64 13.28 38.19 12.31 2.73 1.71 23.75 31.83 Central Bank of 7 85.62 24.00 13.51 42.96 13.51 42.96 0.00 0.00 India 8 Corporation Bank 4.28 4.87 4.28 7.41 0.97 1.81 0.00 0.00 9 Indian Bank 1.00 2.70 1.00 2.78 0.00 0.00 0.00 0.00 Indian Overseas 10 8.38 3.09 5.38 2.05 0.00 0.00 0.00 0.00 Bank Oriental Bank of 11 163.86 46.16 63.77 25.81 48.12 23.16 7.10 24.08 Commerce Punjab and Sind 12 162.18 56.37 140.73 53.72 130.46 53.36 31.72 73.43 Bank Punjab National 13 857.08 26.23 832.99 25.87 83.10 5.67 0.83 0.60 Bank 14 State Bank of India 266.00 15.13 266.00 15.13 107.00 9.44 8.00 14.55 15 Syndicate Bank 34.05 6.47 23.44 4.86 34.05 6.47 0.00 0.00 16 Uco Bank 87.99 38.78 69.91 35.41 16.94 14.58 70.93 68.70 17 Union Bank of India 37.00 19.68 26.00 19.70 22.00 14.97 0.00 0.00 Total 1799.14 21.60 1495.87 20.29 464.55 10.49 145.30 24.63 HIMACHAL PRADESH 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Andhra Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Bank of India 10.00 12.82 2.00 6.45 0.00 0.00 0.00 0.00 Bank of 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 6 Canara Bank 16.05 8.85 14.50 8.25 13.81 9.86 1.74 5.23 Central Bank of 7 9.79 5.02 1.28 7.25 1.28 7.25 0.00 0.00 India

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 275 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 8 Corporation Bank 1.95 22.16 1.95 22.16 1.95 98.98 0.00 0.00 9 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 12 84.93 67.00 84.93 67.00 0.93 2.17 84.00 100.00 Bank Punjab National 13 173.60 9.05 173.55 9.15 51.51 5.47 0.00 0.00 Bank 14 State Bank of India 101.00 6.79 92.00 6.80 65.00 5.33 0.00 0.00 15 Syndicate Bank 2.99 22.50 2.99 25.73 0.00 0.00 0.00 0.00 16 Uco Bank 103.86 9.18 72.96 9.79 68.05 6.82 12.55 16.18 17 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 504.17 9.63 446.16 10.04 202.53 5.89 98.29 20.53 JAMMU AND KASHMIR 1 Allahabad Bank 0.92 52.87 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank of 4 1.49 39.73 0.00 0.00 0.00 0.00 1.49 39.73 Maharashtra 5 Canara Bank 9.58 9.25 9.58 9.25 0.00 0.00 9.58 9.25 Central Bank of 6 2.66 4.58 0.00 0.00 0.00 0.00 0.00 0.00 India 7 Corporation Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 11 12.76 65.54 0.85 19.23 8.62 70.66 4.14 56.95 Bank Punjab National 12 7.92 1.04 7.02 0.93 1.20 0.18 0.00 0.00 Bank 13 State Bank of India 41.00 5.34 38.00 5.29 8.00 1.16 0.00 0.00 14 Uco Bank 12.96 16.16 11.08 18.77 0.00 0.00 12.96 16.16 15 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 89.29 4.97 66.53 4.04 17.82 1.30 28.17 14.16 NEW DELHI 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Andhra Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of Baroda 0.45 7.64 0.00 0.00 0.00 0.00 0.00 0.00

276 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 4 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank of 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maharashtra 6 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 7 4.61 100.00 0.00 0.00 0.00 0.00 0.00 0.00 India 8 Corporation Bank 84.49 38.66 79.13 43.91 0.00 0.00 0.00 0.00 9 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 13 34.85 60.59 32.95 100.00 0.22 100.00 0.00 0.00 Bank 14 State Bank of India 19.00 18.10 0.00 0.00 2.00 66.67 1.00 14.29 15 Syndicate Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16 Uco Bank 0.35 100.00 0.35 100.00 0.00 0.00 0.35 100.00 17 Union Bank of India 31.00 24.60 26.00 26.00 31.00 26.96 0.00 0.00 Total 174.75 27.84 138.43 36.20 33.22 26.51 1.35 4.95 PUNJAB 1 Allahabad Bank 3.79 51.71 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 6.65 17.49 2.46 7.42 6.38 33.79 0.26 100.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank of 4 0.37 0.66 0.00 0.00 0.00 0.00 0.37 1.91 Maharashtra 5 Canara Bank 49.50 41.99 38.45 43.25 17.17 41.39 10.97 30.34 Central Bank of 6 12.55 56.25 4.08 93.58 4.08 93.58 0.00 0.00 India 7 Corporation Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Indian Bank 1.00 0.88 1.00 0.89 0.00 0.00 0.00 0.00 Indian Overseas 9 173.30 60.98 8.99 89.63 0.00 0.00 0.00 0.00 Bank Oriental Bank of 10 58.42 62.06 19.76 38.91 7.39 20.81 0.00 0.00 Commerce Punjab and Sind 11 468.26 87.98 373.35 85.82 450.96 88.51 17.30 76.14 Bank Punjab National 12 247.13 38.60 237.80 37.86 26.79 20.51 0.00 0.00 Bank 13 State Bank of India 294.00 32.17 294.00 32.17 86.00 24.50 3.00 33.33 14 Syndicate Bank 0.18 6.36 0.18 7.00 0.00 0.00 0.18 51.43 15 Uco Bank 73.49 59.71 60.57 62.75 43.06 65.91 5.30 26.74

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 277 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 16 Union Bank of India 4.00 0.05 3.00 0.04 3.00 10.34 0.00 0.00 Total 1392.64 12.40 1043.64 9.84 644.83 52.27 37.38 24.19 RAJASTHAN 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Andhra Bank 0.55 1.73 0.55 1.73 0.00 0.00 0.55 8.99 3 Bank of Baroda 794.24 8.57 748.65 8.82 548.75 7.57 25.41 30.14 4 Bank of India 32.00 12.31 5.00 2.81 12.00 5.26 0.00 0.00 Bank of 5 10.05 12.28 0.00 0.00 0.90 14.98 9.15 12.09 Maharashtra 6 Canara Bank 14.95 5.44 12.26 4.83 0.00 0.00 14.95 8.03 Central Bank of 7 265.03 29.52 34.53 39.50 34.53 39.50 0.29 100.00 India 8 Corporation Bank 1.18 7.33 1.18 19.19 0.00 0.00 0.00 0.00 9 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 10 32.66 7.14 19.64 48.99 19.40 60.99 0.00 0.00 Bank Oriental Bank of 11 10.29 25.99 5.61 16.22 3.88 13.29 0.00 0.00 Commerce Punjab and Sind 12 53.59 95.99 23.38 91.26 28.30 92.76 25.29 99.88 Bank Punjab National 13 791.63 23.12 772.39 22.88 68.54 5.10 0.00 0.00 Bank 14 State Bank of India 1983.00 24.44 1953.00 24.43 109.00 7.47 7.00 22.58 15 Syndicate Bank 2.00 11.07 2.00 12.70 0.00 0.00 0.00 0.00 16 Uco Bank 394.38 48.33 280.65 46.36 259.44 56.71 131.25 38.19 17 Union Bank of India 29.00 9.09 25.00 8.65 24.00 9.20 0.00 0.00 Total 4414.55 18.27 3883.84 18.05 1108.74 9.83 213.89 23.62 Total Northern 8377.93 16.26 7074.97 15.35 2471.69 11.26 527.20 22.27 Region SOUTHERN REGION ANDHRA PRADESH 1 Allahabad Bank 38.89 0.75 24.09 0.49 24.09 0.50 4.07 1.27 2 Andhra Bank 3363.29 0.56 3349.52 0.56 1858.36 0.39 1491.16 1.30 3 Bank of Baroda 1703.12 2.82 1483.42 2.87 1342.96 3.49 110.87 11.35 4 Bank of India 173.00 1.16 173.00 1.16 37.00 0.88 0.00 0.00 Bank of 5 1.60 0.08 0.18 0.02 0.32 0.02 0.00 0.00 Maharashtra 6 Canara Bank 1099.84 1.66 972.15 1.55 376.04 1.56 4.89 39.21 Central Bank of 7 156.15 0.73 21.09 0.41 21.09 0.41 5.20 100.00 India 8 Corporation Bank 360.80 1.11 290.76 1.16 177.33 0.92 3.26 100.00 9 Indian Bank 2206.00 1.06 2162.00 1.06 1597.00 1.48 0.00 0.00

278 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Indian Overseas 10 6976.56 13.70 3943.61 9.18 1822.58 6.19 0.00 0.00 Bank Oriental Bank of 11 9.18 1.42 9.18 1.57 0.00 0.00 3.95 1.24 Commerce Punjab and Sind 12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 13 37.01 0.79 37.01 0.79 0.00 0.00 0.00 0.00 Bank 14 State Bank of India 5434.00 0.54 5324.00 0.54 4668.00 0.50 263.00 0.56 15 Syndicate Bank 3980.41 1.86 3980.41 2.06 20.50 2.33 0.00 0.00 16 Uco Bank 37.98 0.69 29.91 0.62 0.49 0.01 12.25 8.13 17 Union Bank of India 2184.00 3.48 1325.00 2.68 1709.00 2.82 0.00 0.00 Total 27761.83 1.18 23125.33 1.03 13654.76 0.80 1898.65 1.15 KARNATAKA 1 Allahabad Bank 20.43 22.07 4.56 14.80 4.56 23.90 0.00 0.00 2 Andhra Bank 19.70 13.69 19.70 13.97 10.58 11.69 9.12 18.05 3 Bank of Baroda 3350.26 4.48 2543.52 4.53 193.00 1.51 0.00 0.00 4 Bank of India 310.00 23.50 280.00 22.54 76.00 16.74 189.00 83.26 Bank of 5 96.28 34.63 19.63 41.33 34.33 44.06 59.16 30.72 Maharashtra 6 Canara Bank 10823.64 11.48 8902.14 9.84 1851.26 3.50 280.41 31.95 Central Bank of 7 232.87 20.43 32.01 26.02 32.01 26.02 0.47 100.00 India 8 Corporation Bank 1873.52 0.76 1531.14 0.75 924.35 0.58 75.34 75.46 9 Indian Bank 388.00 23.57 380.00 23.56 206.00 30.34 0.00 0.00 Indian Overseas 10 2049.99 41.39 1488.79 36.67 615.38 35.07 0.00 0.00 Bank Oriental Bank of 11 17.08 19.98 11.23 32.00 1.82 16.46 0.00 0.00 Commerce Punjab and Sind 12 3.04 100.00 0.00 0.00 0.00 0.00 3.04 100.00 Bank Punjab National 13 147.81 37.24 140.04 36.39 26.66 96.66 0.00 0.00 Bank 14 State Bank of India 8993.00 5.38 8813.00 5.38 6021.00 4.20 88.00 5.00 15 Syndicate Bank 1947.77 2.40 1947.77 2.54 314.51 35.68 668.32 40.51 16 Uco Bank 157.08 29.03 113.35 26.31 2.32 1.34 107.45 46.82 17 Union Bank of India 440.00 0.29 350.00 0.24 369.00 0.29 0.00 0.00 Total 30870.47 3.74 26576.88 3.56 10682.78 2.13 1480.31 27.60 KERALA 1 Allahabad Bank 3.92 5.33 0.00 0.00 0.00 0.00 0.00 0.00 2 Andhra Bank 23.14 4.18 23.14 4.22 2.89 0.74 20.25 12.75 3 Bank of Baroda 410.47 2.85 350.45 3.46 42.78 0.55 0.00 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 279 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 4 Bank of India 390.00 3.25 380.00 3.21 55.00 1.31 15.00 7.25 Bank of 5 36.74 42.16 28.06 56.39 36.74 45.46 0.00 0.00 Maharashtra 6 Canara Bank 2107.16 2.11 1723.45 1.77 869.33 1.69 28.92 1.30 Central Bank of 7 476.34 1.69 53.63 4.68 53.63 4.68 1.96 100.00 India 8 Corporation Bank 1840.80 43.01 1452.87 41.06 539.79 23.71 5.15 100.00 9 Indian Bank 463.00 1.44 454.00 1.44 8.00 0.47 0.00 0.00 Indian Overseas 10 3898.97 21.13 2740.08 17.80 45.02 4.02 4.33 0.31 Bank Oriental Bank of 11 7.15 43.81 5.64 42.25 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 12 6.63 78.83 6.63 78.83 0.00 0.00 6.63 78.83 Bank Punjab National 13 2693.44 26.38 2655.48 26.41 9.19 0.70 2.07 0.10 Bank 14 State Bank of India 826.00 3.50 810.00 3.50 188.00 2.14 19.00 3.27 15 Syndicate Bank 393.63 3.16 393.63 3.32 0.00 0.00 36.85 18.76 16 Uco Bank 90.12 7.08 50.50 4.69 10.01 0.92 68.84 43.16 17 Union Bank of India 2681.00 3.60 1053.00 1.50 1164.00 1.65 0.00 0.00 Total 16348.51 4.92 12180.56 4.23 3024.38 1.99 209.00 1.61 LAKSHADWEEP 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Central Bank of 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 India Indian Overseas 4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce 6 State Bank of India 1.00 100.00 1.00 100.00 1.00 100.00 0.00 0.00 7 Syndicate Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Uco Bank 0.36 43.90 0.00 0.00 0.36 43.90 0.00 0.00 Total 1.36 13.49 1.00 10.29 1.36 74.73 0.00 0.00 PUDUCHERRY 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Andhra Bank 9.83 7.36 9.83 7.39 0.97 4.57 8.86 7.92 3 Bank of Baroda 19.41 10.35 14.95 9.10 2.12 2.07 0.00 0.00 4 Bank of India 14.00 10.94 14.00 10.94 0.00 0.00 0.00 0.00 5 Canara Bank 67.21 14.44 63.35 14.64 2.62 0.98 0.15 1.72 Central Bank of 6 82.22 100.00 0.00 0.00 0.00 0.00 0.00 0.00 India

280 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 7 Corporation Bank 41.06 16.60 40.53 20.77 40.45 20.74 0.00 0.00 8 Indian Bank 896.00 27.48 878.00 27.47 876.00 34.53 0.00 0.00 Indian Overseas 9 340.00 45.68 331.74 45.36 209.31 49.79 0.00 0.00 Bank Oriental Bank of 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab and Sind 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank 13 State Bank of India 14.00 2.49 14.00 2.49 12.00 2.49 2.00 2.56 14 Syndicate Bank 4.32 14.32 4.32 14.32 4.32 14.32 0.00 0.00 15 Uco Bank 90.86 46.04 61.51 38.00 3.59 3.84 68.82 97.29 16 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 1578.91 25.79 1432.23 24.67 1151.38 27.28 79.83 12.05 TAMIL NADU 1 Allahabad Bank 128.90 61.46 82.71 61.96 76.73 62.93 1.44 10.16 2 Andhra Bank 115.38 17.09 110.84 16.72 49.27 14.44 61.57 19.14 3 Bank of Baroda 1154.90 22.01 897.48 22.88 415.99 37.58 36.26 20.32 4 Bank of India 5547.00 31.02 4866.00 29.06 23.00 2.04 99.00 33.11 Bank of 5 145.22 12.72 126.48 21.08 142.12 21.60 1.21 10.20 Maharashtra 6 Canara Bank 13448.64 20.08 12838.01 19.53 3963.37 21.68 11.51 2.51 Central Bank of 7 4204.05 34.79 1099.27 49.74 1099.27 49.74 0.00 0.00 India 8 Corporation Bank 1083.30 18.11 915.55 18.23 359.93 10.79 1.98 47.71 9 Indian Bank 16745.00 7.75 16410.00 7.75 7305.00 8.45 48.00 0.27 Indian Overseas 10 49798.99 61.99 48288.51 63.86 12723.38 65.61 24.09 1.96 Bank Oriental Bank of 11 41.14 12.41 18.25 7.14 0.51 0.97 4.17 2.35 Commerce Punjab and Sind 12 17.37 100.00 0.00 0.00 0.00 0.00 17.37 100.00 Bank Punjab National 13 519.79 16.09 508.07 16.71 22.22 2.00 0.00 0.00 Bank 14 State Bank of India 1621.00 10.56 1616.00 10.55 1245.00 10.60 250.00 10.38 15 Syndicate Bank 5247.18 36.36 5247.18 38.32 0.00 0.00 122.37 53.77 16 Uco Bank 799.30 51.97 673.97 50.01 208.45 25.96 57.11 39.36 17 Union Bank of India 817.00 10.51 717.00 10.06 614.00 9.54 0.00 0.00 Total 101434.16 22.58 94415.32 22.31 28248.24 18.43 736.08 3.14 TELANGANA 1 Allahabad Bank 209.20 7.92 186.03 7.10 175.76 6.81 4.95 16.09 2 Andhra Bank 8263.08 4.06 8228.06 4.05 5863.29 3.47 2364.77 6.90

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 281 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 3 Bank of Baroda 188.90 1.75 176.79 1.89 64.74 3.52 0.00 0.00 4 Bank of India 126.00 8.60 126.00 8.60 45.00 6.40 0.00 0.00 Bank of 5 29.38 2.49 11.39 1.68 25.76 2.40 0.00 0.00 Maharashtra 6 Canara Bank 1498.03 3.56 1297.99 3.20 920.95 6.88 1.86 4.64 Central Bank of 7 472.66 2.76 177.20 3.14 177.20 3.14 0.00 0.00 India 8 Corporation Bank 569.85 6.14 503.35 6.50 292.02 7.91 0.95 15.63 9 Indian Bank 1020.00 2.49 1000.00 2.49 15.00 0.80 0.00 0.00 Indian Overseas 10 12290.38 37.98 2360.80 14.31 1617.69 19.85 0.27 0.13 Bank Oriental Bank of 11 1.23 0.99 1.23 1.49 0.00 0.00 1.23 2.54 Commerce Punjab National 12 567.12 8.43 560.34 8.40 116.09 6.38 0.02 0.01 Bank 13 State Bank of India 20509.00 3.85 19898.00 3.85 11401.00 3.17 524.00 3.36 14 Syndicate Bank 2835.41 5.30 2835.41 5.66 26.14 85.90 0.00 0.00 15 Uco Bank 77.33 2.18 72.21 2.20 1.47 0.06 4.66 77.28 16 Union Bank of India 1281.00 5.98 1000.00 5.20 1024.00 5.38 4.00 10.00 Total 49938.57 5.10 38434.80 4.16 21766.11 3.68 2906.71 5.70 Total Southern 227933.81 4.61 196166.12 4.24 78529.01 2.53 7310.58 2.83 Region WESTERN REGION DAMAN AND DIU UT 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce 7 State Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Uco Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 D AND N HAVELI UT 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 3.50 8.55 3.50 8.55 3.50 8.55 0.00 0.00 3 Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Canara Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank

282 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Oriental Bank of 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce 7 State Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Uco Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 3.50 8.55 3.50 8.55 3.50 8.55 0.00 0.00 GOA 1 Allahabad Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bank of Baroda 3.28 3.37 3.28 3.60 3.28 3.88 0.00 0.00 3 Bank of India 34.00 10.27 34.00 11.53 34.00 14.05 0.00 0.00 Bank of 4 7.42 12.42 0.00 0.00 7.42 14.97 0.00 0.00 Maharashtra 5 Canara Bank 32.56 16.63 29.30 15.27 13.38 14.68 1.70 17.86 Central Bank of 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 India 7 Corporation Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Indian Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Indian Overseas 9 1.03 1.30 0.00 0.00 0.00 0.00 0.00 0.00 Bank Oriental Bank of 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce Punjab National 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank 12 State Bank of India 57.00 4.94 57.00 4.94 20.00 2.04 0.00 0.00 13 Syndicate Bank 1.58 5.69 1.58 5.69 1.58 5.69 0.00 0.00 14 Uco Bank 4.03 20.13 0.00 0.00 0.00 0.00 4.03 32.32 15 Union Bank of India 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 140.90 5.32 125.16 5.18 79.66 4.29 5.73 12.02 GUJARAT 1 Allahabad Bank 1.00 12.22 1.00 12.90 1.00 57.14 0.00 0.00 2 Bank of Baroda 968.35 9.36 911.22 9.27 384.34 7.26 6.68 8.61 3 Bank of India 81.00 9.83 63.00 8.74 46.00 7.68 4.00 20.00 Bank of 4 11.35 3.45 5.16 10.25 4.50 9.11 2.17 0.81 Maharashtra 5 Canara Bank 18.76 12.33 18.76 12.33 0.44 37.29 16.62 11.55 Central Bank of 6 39.53 7.62 4.22 5.71 4.22 5.71 0.00 0.00 India 7 Corporation Bank 12.24 18.75 7.88 18.60 5.19 14.30 2.69 68.97 8 Indian Bank 112.00 34.78 110.00 34.81 4.00 44.44 0.00 0.00 Indian Overseas 9 44.65 3.12 35.37 35.54 0.00 0.00 0.00 0.00 Bank Oriental Bank of 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commerce

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 283 STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Punjab and Sind 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 12 9.01 8.74 9.01 8.74 2.74 8.28 0.00 0.00 Bank 13 State Bank of India 212.00 10.09 212.00 10.09 126.00 7.55 1.00 5.88 14 Syndicate Bank 19.62 22.68 19.62 22.68 7.65 55.88 2.13 15.56 15 Uco Bank 76.63 38.22 57.06 34.27 12.49 64.18 51.50 55.24 16 Union Bank of India 62.00 6.13 51.00 9.19 52.00 9.79 0.00 0.00 Total 1668.14 9.53 1505.30 10.53 650.57 7.80 86.79 12.14 MAHARASHTRA 1 Allahabad Bank 286.42 39.66 58.04 12.03 46.40 9.94 12.55 46.17 2 Andhra Bank 7.95 3.17 7.95 3.21 3.47 1.86 4.48 7.41 3 Bank Of Baroda 1010.54 13.17 888.17 13.75 461.03 14.41 130.56 24.14 4 Bank Of India 1087.00 6.34 876.00 5.54 558.00 5.14 211.00 11.91 Bank Of 5 4490.90 19.53 1711.25 14.44 3301.39 18.67 614.09 17.09 Maharashtra 6 Canara Bank 327.86 12.29 310.95 11.89 78.92 9.74 109.86 16.01 Central Bank Of 7 1946.24 25.53 445.06 57.27 445.06 57.27 4.29 82.50 India 8 Corporation Bank 53.74 28.30 22.44 16.92 4.95 8.14 11.31 60.51 9 Indian Bank 123.00 10.90 121.00 10.95 9.00 4.09 0.00 0.00 INDIAN 10 44.36 1.32 33.93 3.66 3.34 3.04 0.00 0.00 OVERSEAS BANK Oriental Bank Of 11 8.87 80.93 2.25 78.13 0.00 0.00 2.25 52.94 Commerce Punjab And Sind 12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Punjab National 13 209.18 39.41 201.11 38.47 39.68 15.53 0.00 0.00 Bank 14 State Bank Of India 6872.00 20.68 6676.00 20.69 4907.00 17.90 397.00 19.64 15 Syndicate Bank 51.25 3.26 51.25 3.39 30.10 37.51 21.15 46.67 16 Uco Bank 452.88 45.74 362.70 45.89 100.07 25.24 338.71 62.74 Union Bank Of 17 919.00 18.12 471.00 12.33 604.00 19.97 8.00 2.31 India Total 17891.19 17.01 12239.10 15.43 10592.41 16.16 1865.25 18.49 Total Western 19703.73 15.72 13873.06 14.44 11326.14 14.95 1957.77 18.04 Region Grand Total 341721.41 5.34 279642.78 4.75 132160.71 3.17 16781.30 5.54

284 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (I) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S PUBLIC SECTOR COMMERCIAL BANKS-ALL INDIA POSITION 1 Allahabad Bank 9834.65 9.29 2140.48 2.21 1747.69 1.84 173.45 6.21 2 Andhra Bank 12553.36 1.55 12478.47 1.55 8295.61 1.26 4182.86 2.78 3 Bank of Baroda 14099.26 5.47 11961.87 5.62 5826.82 6.02 408.83 13.35 4 Bank of India 11637.10 8.53 9883.03 7.65 3241.00 4.14 1324.00 19.32 Bank of 5 5200.02 16.86 2026.04 13.27 3711.96 16.13 827.42 16.07 Maharashtra 6 Canara Bank 30914.78 7.46 27495.96 6.85 8427.85 4.62 943.24 12.92 Central Bank of 7 15677.16 7.72 3138.78 11.61 3138.78 11.61 64.84 98.60 India 8 Corporation Bank 5981.50 2.00 4882.58 1.97 2349.98 1.25 109.94 22.51 9 Indian Bank 22628.00 4.36 22177.00 4.36 10174.00 4.89 48.00 0.19 Indian Overseas 10 80235.10 38.23 60796.83 36.01 17532.74 26.72 29.22 0.86 Bank Oriental Bank of 11 611.20 20.44 250.19 11.06 216.84 17.34 44.70 5.14 Commerce Punjab and Sind 12 1444.99 70.58 1094.23 65.95 969.59 69.57 475.40 72.71 Bank Punjab National 13 16756.70 13.22 16305.03 13.11 1415.99 1.94 2.92 0.04 Bank 14 State Bank of India 58286.00 2.57 56866.00 2.57 36444.00 1.90 1725.00 2.25 15 Syndicate Bank 15062.11 3.85 15040.85 4.18 702.13 14.93 931.65 31.45 16 Uco Bank 23558.48 18.85 20140.44 17.99 14698.73 15.42 5438.83 70.49 17 Union Bank of India 11083.00 3.09 6807.00 2.11 7191.00 2.33 45.00 2.65 United Bank of 18 6158.00 4.40 6158.00 4.40 6076.00 4.43 6.00 0.83 India Total All Public Sec. Comm. 341721.41 5.34 279642.78 4.75 132160.71 3.17 16781.30 5.54 Banks

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 285 STATEMENT - VI - A (II)

Progress under Microﬁnance - NPAs against Bank loans to SHGs of Private Sector Com. Banks as as on 31 March 2020 (Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S CENTRAL REGION CHHATTISGARH 1 Axis Bank Limited 1.60 9.13 1.60 9.13 1.18 7.50 0.42 23.46 2 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 IDBI Bank Limited 4.47 1.23 4.29 1.38 0.45 0.17 2.43 18.08 6 Idfc Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Karur Vysya Bank 8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd 9 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 6.07 1.22 5.89 1.32 1.63 0.58 2.85 18.71 MADHYA PRADESH 1 Axis Bank Limited 0.56 61.54 0.56 61.54 0.09 100.00 0.47 57.32 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 2.08 0.92 2.08 0.92 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 190.37 3.03 187.92 3.00 190.37 3.96 0.00 0.00 6 IDBI Bank Limited 183.58 12.25 182.62 12.68 2.29 80.35 0.00 0.00 7 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Karnataka Bank Ltd 2.32 100.00 2.32 100.00 0.00 0.00 2.32 100.00 South Indian Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd 10 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 378.91 4.73 375.50 4.73 192.75 4.00 2.79 0.19 UTTARAKHAND Bandhan Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 2 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 IDBI Bank Limited 61.85 96.04 24.83 93.95 0.00 0.00 0.00 0.00 4 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 Nainital Bank Ltd 6.51 10.24 6.41 10.10 6.51 10.24 0.00 0.00 Tamilnad Mercantile 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Ltd 7 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 68.36 53.42 31.24 34.75 6.51 10.01 0.00 0.00 UTTAR PRADESH 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited

286 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 IDBI Bank Limited 2122.02 98.04 1924.83 98.48 0.66 70.21 11.65 60.58 7 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Nainital Bank Ltd 4.65 82.45 4.10 80.55 4.65 82.45 0.00 0.00 South Indian Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd 10 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 2126.67 97.96 1928.93 98.39 5.31 80.70 11.65 60.58 Total Central 2580.01 23.88 2341.56 22.44 206.20 3.99 17.29 1.15 Region EASTERN REGION ANDAMAN & NICOBAR 1 IDBI Bank Limited 15.10 4.27 15.10 4.36 0.00 0.00 0.00 0.00 Total 15.10 4.27 15.10 4.36 0.00 0.00 0.00 0.00 BIHAR Bandhan Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 2 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 IDBI Bank Limited 0.43 0.27 0.43 0.27 0.00 0.00 0.00 0.00 6 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.43 0.01 0.43 0.01 0.00 0.00 0.00 0.00 JHARKHAND 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 IDBI Bank Limited 358.10 67.40 337.02 69.41 4.48 3.01 0.00 0.00 7 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 358.10 67.37 337.02 69.38 4.48 3.01 0.00 0.00 ODISHA 1 Axis Bank Limited 12.58 5.20 12.58 5.20 10.77 4.65 1.81 17.92 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 287 STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 3 Federal Bank Ltd 1.15 3.49 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 18.96 26.52 18.96 26.52 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 3.19 0.15 3.19 0.15 2.74 0.17 0.45 0.08 6 IDBI Bank Limited 781.65 57.55 757.76 59.20 1.99 2.99 0.00 0.00 7 Indusind Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Karur Vysya Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd South Indian Bank 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd 11 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 817.53 21.02 792.49 20.97 15.50 0.81 2.26 0.39 WEST BENGAL 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 IDBI Bank Limited 3.85 0.33 2.66 0.27 0.00 0.00 0.00 0.00 7 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Karnataka Bank Ltd 155.72 100.00 0.00 0.00 0.00 0.00 0.00 0.00 Karur Vysya Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd South Indian Bank 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd 11 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 159.57 11.83 2.66 0.26 0.00 0.00 0.00 0.00 Total Eastern 1350.73 13.30 1147.70 11.89 19.98 0.32 2.26 0.38 Region NORTH EASTERN REGION ARUNACHAL PRADESH Bandhan Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 2 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ASSAM 1 Axis Bank Limited 0.94 100.00 0.94 100.00 0.94 100.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 0.18 0.47 0.18 0.47 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

288 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 6 IDBI Bank Limited 141.87 14.36 122.81 14.54 9.07 1.55 0.00 0.00 South Indian Bank 7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Total 142.99 13.90 123.93 14.02 10.01 1.71 0.00 0.00 MANIPUR Bandhan Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 2 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 MEGHALAYA 1 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 MIZORAM 1 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 NAGALAND Bandhan Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 2 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 ICICI Bank Limited 0.29 76.32 0.00 0.00 0.29 76.32 0.00 0.00 4 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.29 3.15 0.00 0.00 0.29 76.32 0.00 0.00 SIKKIM 1 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 TRIPURA Bandhan Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 2 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 IDBI Bank Limited 0.05 0.35 0.05 0.46 0.05 1.22 0.00 0.00 Total 0.05 0.34 0.05 0.44 0.05 1.22 0.00 0.00 Total North 143.33 12.17 123.98 12.10 10.35 1.62 0.00 0.00 Eastern Region NORTHERN REGION CHANDIGARH Bandhan Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 2 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 289 STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S South Indian Bank 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 HARYANA 1 Axis Bank Limited 1.49 14.10 1.49 14.10 1.49 14.10 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 2.06 100.00 2.06 100.00 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 IDBI Bank Limited 18.12 47.45 9.73 34.48 0.21 6.48 0.00 0.00 7 Nainital Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 South Indian Bank 8 0.55 100.00 0.55 100.00 0.00 0.00 0.00 0.00 Ltd 9 YES Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 22.22 43.25 13.83 33.41 1.70 12.31 0.00 0.00 HIMACHAL PRADESH 1 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 JAMMU AND KASHMIR 1 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 NEW DELHI 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Indusind Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 Nainital Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 South Indian Bank 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd 12 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

290 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S PUNJAB AXIS BANK 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 LIMITED BANDHAN BANK 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 LIMITED 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC BANK LTD. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ICICI BANK 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 LIMITED 6 Idbi Bank Limited 0.19 0.98 0.00 0.00 0.00 0.00 0.00 0.00 SOUTH INDIAN 7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 BANK LTD 8 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.19 0.60 0.00 0.00 0.00 0.00 0.00 0.00 RAJASTHAN Bandhan Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited City Union Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 283.84 1.04 223.91 0.82 184.85 0.69 0.00 0.00 6 IDBI Bank Limited 34.85 6.16 33.63 6.12 0.00 0.00 0.00 0.00 7 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Nainital Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 YES Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 318.69 1.14 257.54 0.92 184.85 0.69 0.00 0.00 Total Northern 341.10 1.22 271.37 0.97 186.55 0.70 0.00 0.00 Region SOUTHERN REGION ANDHRA PRADESH 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited City Union Bank 3 2.81 0.54 0.00 0.00 0.00 0.00 0.00 0.00 Limited 4 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 HDFC Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 ICICI Bank Limited 19.70 100.00 19.70 100.00 0.00 0.00 0.00 0.00 7 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Karnataka Bank Ltd 1.26 0.28 0.21 0.05 0.00 0.00 0.00 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 291 STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Karur Vysya Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Kotak Mahindra 10 100.82 99.97 100.82 99.97 0.00 0.00 0.00 0.00 Bank Ltd. South Indian Bank 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Tamilnad Mercantile 12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Ltd Total 124.59 5.98 120.73 7.42 0.00 0.00 0.00 0.00 KARNATAKA 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited City Union Bank 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 4 Federal Bank Ltd 0.78 9.79 0.00 0.00 0.00 0.00 0.00 0.00 5 HDFC Bank Ltd. 193.26 0.46 193.26 0.46 0.00 0.00 0.00 0.00 6 ICICI Bank Limited 2149.09 12.23 2149.09 12.23 2149.09 12.71 0.00 0.00 7 IDBI Bank Limited 29.27 0.02 29.27 0.03 0.00 0.00 0.00 0.00 8 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Indusind Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Karnataka Bank Ltd 54.05 2.03 44.21 1.93 1.43 13.24 0.00 0.00 Karur Vysya Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Kotak Mahindra 7 6.81 100.00 6.81 100.00 0.00 0.00 2.22 100.00 Bank Ltd. 8 Ratnakar Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 South Indian Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Tamilnad Mercantile 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Ltd 9 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 2433.26 0.97 2422.64 1.40 2150.52 2.48 2.22 0.31 KERALA 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited City Union Bank 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 4 Federal Bank Ltd 401.51 11.36 183.05 72.12 4.10 27.76 0.00 0.00 5 HDFC BANK LTD. 54.59 0.10 54.59 0.10 0.00 0.00 0.00 0.00 6 ICICI Bank Limited 92.16 0.49 92.16 0.49 92.16 0.55 0.00 0.00 7 IDBI Bank Limited 344.58 2.49 337.55 2.52 0.00 0.00 1.52 0.27

292 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 8 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Karur Vysya Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd South Indian Bank 10 2.66 0.75 2.57 0.86 0.00 0.00 0.00 0.00 Ltd Tamilnad Mercantile 11 4.85 14.31 4.85 15.33 0.00 0.00 0.00 0.00 Bank Ltd The Dhanalakshmi 12 519.28 1.18 516.37 1.18 1.38 0.09 0.00 0.00 Bank Ltd 13 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 1419.63 1.04 1191.14 0.89 97.64 0.49 1.52 0.06 LAKSHADWEEP UT 1 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PUDUCHERRY City Union Bank 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 2 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 HDFC Bank Ltd. 1.32 0.19 1.32 0.19 0.00 0.00 0.00 0.00 4 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Karur Vysya Bank 5 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Tamilnad Mercantile 6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Ltd Total 1.32 0.08 1.32 0.08 0.00 0.00 0.00 0.00 TAMIL NADU 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited City Union Bank 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 4 Federal Bank Ltd 5.65 30.62 5.65 100.00 0.00 0.00 0.00 0.00 5 HDFC Bank Ltd. 350.50 0.73 350.50 0.73 0.00 0.00 0.00 0.00 6 ICICI Bank Limited 5128.87 4.80 5121.12 4.80 3025.32 3.25 34.54 0.29 7 IDBI Bank Limited 174.42 1.71 145.39 1.50 13.41 58.41 16.55 23.89 8 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Indusind Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Karur Vysya Bank 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Kotak Mahindra 12 33.47 100.00 33.47 100.00 0.00 0.00 0.00 0.00 Bank Ltd. South Indian Bank 13 1.78 11.11 0.90 6.18 0.00 0.00 0.00 0.00 Ltd

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 293 STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Tamilnad Mercantile 14 762.10 87.94 736.44 88.02 83.79 100.00 0.00 0.00 Bank Ltd 15 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 6456.79 3.89 6393.47 3.86 3122.52 3.35 51.09 0.43 TELANGANA 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 3 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 HDFC Bank Ltd. 13.04 0.14 13.04 0.14 0.00 0.00 0.00 0.00 5 ICICI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 IDBI Bank Limited 0.27 4.26 0.27 100.00 0.00 0.00 0.00 0.00 7 Indusind Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Karur Vysya Bank 9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Kotak Mahindra 10 45.81 100.00 45.81 100.00 0.00 0.00 0.00 0.00 Bank Ltd. South Indian Bank 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd 12 Yes Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 59.12 0.62 59.12 0.62 0.00 0.00 0.00 0.00 Total Southern 10494.71 1.85 10188.42 2.10 5370.68 2.69 54.83 0.36 Region WESTERN REGION DAMAN AND DIU UT 1 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 D AND N HAVELI UT 1 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 GOA 1 HDFC Bank Ltd. 1.88 0.20 1.88 0.20 0.00 0.00 0.00 0.00 2 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 1.88 0.20 1.88 0.20 0.00 0.00 0.00 0.00 GUJARAT 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited City Union Bank 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 4 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

294 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S 5 HDFC Bank Ltd. 8.53 0.93 8.53 0.93 0.00 0.00 0.00 0.00 6 ICICI Bank Limited 319.97 8.81 319.97 8.81 315.06 16.77 4.91 0.28 7 IDBI Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 South Indian Bank 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd 11 YES Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 328.50 7.21 328.50 7.21 315.06 16.77 4.91 0.28 MAHARASHTRA 1 Axis Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited City Union Bank 3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited 4 Federal Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 HDFC Bank Ltd. 147.09 0.78 147.09 0.78 0.00 0.00 0.00 0.00 6 ICICI Bank Limited 469.36 0.65 466.66 0.65 459.19 0.77 5.87 0.05 7 IDBI Bank Limited 2888.78 29.19 2682.83 29.14 117.78 11.48 50.24 35.77 8 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Indusind Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 Karnataka Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11 Ratnakar Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 South Indian Bank 12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Tamilnad Mercantile 13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Bank Ltd 14 YES Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 3505.23 3.48 3296.58 3.30 576.97 0.95 56.11 0.45 Total Western 3835.61 3.61 3626.96 3.44 892.03 1.43 61.02 0.43 Region Grand Total 18745.49 2.59 17699.99 2.77 6685.79 2.22 135.40 0.42

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 295 STATEMENT - VI - A (II) (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount of %age to Amount of %age to Amount of %age to Amount of %age to NPAs Total loans NPAs Total loans NPAs Total loans NPAs Total loans O/S O/S O/S O/S PRIVATE SECTOR COMMERCIAL BANKS-ALL INDIA POSITION 1 Axis Bank Limited 17.17 6.30 17.17 6.30 14.47 5.58 2.70 20.01 Bandhan Bank 2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Limited City Union Bank 3 2.81 0.54 0.00 0.00 0.00 0.00 0.00 0.00 Limited 4 Federal Bank Ltd 409.09 10.93 188.70 72.72 4.10 19.24 0.00 0.00 5 HDFC Bank Ltd. 793.49 0.44 793.49 0.44 0.00 0.00 0.00 0.00 6 ICICI Bank Limited 8656.84 3.35 8583.72 3.32 6419.07 2.85 45.77 0.15 7 IDBI Bank Limited 7163.45 3.06 6611.07 4.30 150.39 0.20 82.39 9.13 8 IDFC Bank Limited 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Indusind Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 Karnataka Bank Ltd 213.35 6.43 46.74 1.71 1.43 13.24 2.32 5.70 Karur Vysya Bank 11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Ltd Kotak Mahindra 12 186.91 99.98 186.91 99.98 0.00 0.00 2.22 100.00 Bank Ltd. 13 Nainital Bank Ltd 11.16 16.13 10.51 15.33 11.16 16.13 0.00 0.00 14 Ratnakar Bank Ltd 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 South Indian Bank 15 4.99 1.25 4.02 1.18 0.00 0.00 0.00 0.00 Ltd Tamilnad Mercantile 16 766.95 85.17 741.29 85.37 83.79 100.00 0.00 0.00 Bank Ltd The Dhanalakshmi 17 519.28 1.18 516.37 1.18 1.38 0.09 0.00 0.00 Bank Ltd 18 YES Bank Ltd. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total All Private Sec. Comm. 18745.49 2.59 17699.99 2.77 6685.79 2.22 135.40 0.42 Banks VI-A (II) Total All Public Sec. Comm. 341721.41 5.34 279642.78 4.75 132160.71 3.17 16781.30 5.54 Banks VI-A(I) Grand Total - Commercial 360466.90 5.06 297342.77 4.55 138846.50 3.11 16916.70 5.05 Banks

296 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - B

Progress under Microﬁnance - NPAs against Bank loans to SHGs of Regional Rural Banks as on 31 March 2020 (Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S CENTRAL REGION CHHATTISGARH Chhattisgarh Rajya 1 828.00 3.50 812.31 3.51 815.00 3.53 13.00 2.29 Gramin Bank Total 828.00 3.50 812.31 3.51 815.00 3.53 13.00 2.29 MADHYA PRADESH Madhyanchal Gramin 1 824.00 25.39 618.00 21.40 518.00 19.53 32.00 22.22 Bank Madhya Pradesh 2 2990.52 13.88 2841.58 14.29 2663.89 14.57 8.26 3.31 Gramin Bank Total 3814.52 15.39 3459.58 15.19 3181.89 15.20 40.26 10.23 UTTARAKHAND Uttarakhand Gramin 1 259.89 11.67 56.30 3.71 128.22 8.10 40.19 40.70 Bank Total 259.89 11.67 56.30 3.71 128.22 8.10 40.19 40.70 UTTAR PRADESH 1 Aryavart Bank 5396.47 57.88 2348.53 49.58 4688.21 58.26 0.00 0.00 Baroda Uttar 2 Pradesh Gramin 4614.13 20.79 3917.46 25.33 3700.32 22.91 11.02 47.30 Bank Kashi Gomti Samyut 3 1914.00 34.18 1250.00 31.67 1541.00 34.36 0.00 0.00 Gramin Bank Prathama U.P Gramin 4 1235.27 12.15 1122.09 12.13 1045.97 12.10 0.00 0.00 Bank 5 Purvanchal Bank 2190.27 57.82 2190.27 57.82 2190.27 57.82 0.00 0.00 Total 15350.14 30.06 10828.35 29.12 13165.77 32.02 11.02 14.00 Total Central 20252.55 19.91 15156.54 17.91 17290.88 19.94 104.47 9.18 Region EASTERN REGION BIHAR Dakshin Bihar 1 4384.13 1.81 4384.13 1.81 4384.13 1.81 0.00 0.00 Gramin Bank Uttar Bihar Gramin 2 8999.45 9.24 8142.70 8.57 8999.45 9.24 0.00 0.00 Bank Total 13383.58 3.94 12526.83 3.71 13383.58 3.94 0.00 0.00 JHARKHAND Jharkhand Rajya 1 1131.00 3.96 459.00 1.70 938.00 3.48 0.00 0.00 Gramin Bank Total 1131.00 3.96 459.00 1.70 938.00 3.48 0.00 0.00 ODISHA 1 Odisha Gramya Bank 5075.13 4.83 5075.13 4.83 5075.13 4.89 0.00 0.00 2 Utkal Grameen Bank 11901.42 33.19 10532.76 33.38 10473.25 37.93 0.00 0.00 Total 16976.55 12.04 15607.89 11.42 15548.38 11.83 0.00 0.00 WEST BENGAL Bangiya Gramin 1 8454.94 3.24 7431.08 3.24 7524.90 3.24 930.04 3.24 Vikash Bank

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 297 STATEMENT - VI - B (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S Paschim Banga 2 4530.25 3.15 2516.53 1.84 4441.31 3.11 13.45 1.80 Gramin Bank Uttar Banga 3 Kshetriya Gramin 706.58 1.06 706.58 1.06 389.20 1.06 317.38 1.07 Bank Total 13691.77 2.91 10654.19 2.46 12355.41 3.00 1260.87 2.14 Total Eastern 45182.90 4.61 39247.91 4.20 42225.37 4.64 1260.87 2.09 Region NORTH EASTERN REGION ARUNACHAL PRADESH Arunachal Pradesh 1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Rural Bank Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 ASSAM Assam Gramin 1 14755.55 31.96 4873.28 14.91 2384.03 9.88 35.01 7.80 Vikash Bank Total 14755.55 31.96 4873.28 14.91 2384.03 9.88 35.01 7.80 MANIPUR 1 Manipur Rural Bank 169.06 13.22 169.06 13.22 32.16 6.40 2.65 2.70 Total 169.06 13.22 169.06 13.22 32.16 6.40 2.65 2.70 MEGHALAYA 1 Meghalaya Rural Bank 110.54 4.45 11.35 0.54 46.41 2.16 0.00 0.00 Total 110.54 4.45 11.35 0.54 46.41 2.16 0.00 0.00 MIZORAM 1 Mizoram Rural Bank 261.47 8.77 46.62 2.18 15.40 0.83 30.87 16.71 Total 261.47 8.77 46.62 2.18 15.40 0.83 30.87 16.71 NAGALAND 1 Nagaland Rural Bank 16.20 4.02 16.20 4.02 0.00 0.00 0.00 0.00 Total 16.20 4.02 16.20 4.02 0.00 0.00 0.00 0.00 TRIPURA 1 Tripura Gramin Bank 2726.12 26.19 2553.09 25.62 2321.92 24.71 0.00 0.00 Total 2726.12 26.19 2553.09 25.62 2321.92 24.71 0.00 0.00 Total North 18038.94 28.23 7669.60 15.74 4799.92 12.57 68.53 9.33 Eastern Region NORTHERN REGION HARYANA Sarva Haryana 1 3823.15 57.05 3544.14 57.69 3069.95 55.65 1.89 3.15 Gramin Bank Total 3823.15 57.05 3544.14 57.69 3069.95 55.65 1.89 3.15 HIMACHAL PRADESH Himachal Pradesh 1 278.00 6.73 278.00 6.73 278.00 6.73 0.00 0.00 Gramin Bank Total 278.00 6.73 278.00 6.73 278.00 6.73 0.00 0.00 JAMMU AND KASHMIR 1 Ellaquai Dehati Bank 92.64 28.79 8.69 4.95 92.64 28.79 0.00 0.00 2 J & K Grameen Bank 49.86 1.85 49.86 1.85 17.20 0.66 0.00 0.00 Total 142.50 4.72 58.55 2.04 109.84 3.76 0.00 0.00

298 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - B (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY Sr. Name of Bank NPA as NPA as NPA as NPA as No. Amount %age to Amount %age to Amount %age to Amount %age to of NPAs Total loans of NPAs Total loans of NPAs Total loans of NPAs Total loans O/S O/S O/S O/S PUNJAB 1 Punjab Gramin Bank 191.07 13.52 191.07 13.93 0.00 0.00 0.00 0.00 Total 191.07 13.52 191.07 13.93 0.00 0.00 0.00 0.00 RAJASTHAN Baroda Rajasthan 1 Kshetriya Gramin 2096.00 19.48 2096.00 19.53 2032.00 20.55 50.00 12.20 Bank Rajasthan Marudhara 2 278.81 11.88 188.74 9.01 26.15 2.20 0.38 1.05 Gramin Bank Total 2374.81 18.12 2284.74 17.81 2058.15 18.58 50.38 11.29 Total Northern 6809.53 24.00 6356.50 23.24 5515.94 22.74 52.27 10.28 Region SOUTHERN REGION ANDHRA PRADESH Andhra Pragathi 1 4204.66 1.30 4204.66 1.30 0.00 0.00 0.00 0.00 Grameena Bank Chaitanya Godavari 2 196.29 0.15 196.29 0.15 55.99 0.05 0.00 0.00 Grameena Bank Saptagiri Grameena 3 910.41 0.50 837.61 0.50 686.04 0.51 125.68 0.45 Bank Total 5311.36 0.83 5238.56 0.84 742.03 0.31 125.68 0.45 KARNATAKA Karnataka Gramin 1 14152.00 7.55 12891.57 6.97 6368.40 3.68 2122.81 56.38 Bank Karnataka Vikas 2 3721.30 24.93 3621.72 25.39 3570.01 26.96 151.29 12.26 Grameena Bank Total 17873.30 8.83 16513.29 8.29 9938.41 5.34 2274.10 45.49 KERALA 1 Kerala Gramin Bank 869.10 1.61 531.46 1.05 201.73 0.60 0.00 0.00 Total 869.10 1.61 531.46 1.05 201.73 0.60 0.00 0.00 PUDUCHERRY Puduvai Bharathiyar 1 351.97 8.78 348.40 8.77 98.67 4.47 0.00 0.00 Grama Bank Total 351.97 8.78 348.40 8.77 98.67 4.47 0.00 0.00 TAMIL NADU Tamil Nadu Grama 1 3652.45 5.41 3058.44 4.66 1097.83 7.28 0.00 0.00 Bank Total 3652.45 5.41 3058.44 4.66 1097.83 7.28 0.00 0.00 TELANGANA Andhra Pradesh 1 Grameena Vikas 4170.31 0.65 4170.31 0.65 2507.61 0.65 502.11 0.64 Bank Telangana Grameena 2 4164.29 2.00 4164.29 2.00 2081.91 1.75 0.00 0.00 Bank Total 8334.60 0.98 8334.60 0.98 4589.52 0.91 502.11 0.64 Total Southern 36392.78 2.00 34024.75 1.90 16668.19 1.70 2901.89 2.57 Region

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 299 STATEMENT - VI - B (contd.)

300 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - C

Progress under Microﬁnance - NPAs against Bank loans to SHGs of Co-operative Banks as on 31 March 2020 (Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S CENTRAL REGION CHHATTISGARH 1 Bilaspur DCCB 21.47 87.53 21.47 87.53 0.96 55.17 0.00 0.00 2 Durg DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Ambikapur DCCB 8.26 100.00 8.06 100.00 8.26 100.00 0.00 0.00 4 Jagdalpur DCCB 99.56 20.52 99.56 20.52 0.00 0.00 0.00 0.00 5 Raipur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 Rajnandgaon DCCB 110.09 9.21 110.09 9.21 110.09 9.21 0.00 0.00 Total 239.38 11.80 239.18 11.83 119.31 6.99 0.00 0.00 MADHYA PRADESH 1 Bhopal DCCB 5.30 100.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Indore DCCB 1.07 100.00 1.07 100.00 0.00 0.00 0.00 0.00 3 Balaghat DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Betul DCCB 18.50 100.00 18.50 100.00 18.50 100.00 0.00 0.00 5 Bhind DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 Chattarpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 Chhindwara DCCB 9.58 9.93 9.58 9.93 9.58 9.93 0.00 0.00 8 Damoh DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Datia DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 Dewas DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11 DHAR DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 Guna DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13 Gwalior DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14 Hoshangabad DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15 Jabalpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16 Jhabua DCCB 170.41 65.80 0.00 0.00 0.00 0.00 0.00 0.00 17 Khandwa DCCB 39.52 100.00 19.31 100.00 39.52 100.00 0.00 0.00 18 Khargone DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19 Mandla DCCB 12.32 100.00 12.32 100.00 12.32 100.00 0.00 0.00 20 Mandsaur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21 Morena DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22 Narsinghpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23 Panna DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24 Raisen DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25 Rajgarh DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 26 Ratlam DCCB 49.50 100.00 32.18 100.00 24.75 100.00 0.00 0.00 27 Rewa DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 28 Sagar DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 29 Satna DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30 Sehore DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 31 Seoni DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 32 Shahdol DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 301 STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S 33 Shajapur DCCB 8.00 100.00 2.00 100.00 8.00 100.00 0.00 0.00 34 Shivpuri DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 35 Sidhi DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 36 Tikamgarh DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 37 Ujjain DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 38 Vidisha DCCB 0.73 100.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 314.93 58.29 94.96 41.62 112.67 46.99 0.00 0.00 UTTARAKHAND 1 Almora DCCB 27.48 35.39 0.00 0.00 27.48 40.16 0.00 0.00 2 Chamoli DCCB 104.01 69.59 93.75 88.27 104.01 69.59 0.00 0.00 3 Dehradun DCCB 18.72 62.21 8.25 45.68 0.00 0.00 18.72 79.36 4 Nainital DCCB (Haldwani) 2.77 0.95 2.77 0.95 2.77 0.95 0.00 0.00 5 Pithoragarh DCCB 81.84 42.67 57.83 51.11 80.83 49.25 1.01 3.65 6 Tehri Garhwal DCCB 25.97 4.84 23.67 6.57 17.00 6.58 7.00 5.65 7 Uttarakhand STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Uttarkashi DCCB 591.83 78.28 444.71 79.67 83.17 98.55 0.00 0.00 9 Udhamsinghnagar DCCB 27.29 25.16 17.74 23.37 27.29 25.16 0.00 0.00 10 Garhwal (Kotdwar) DCCB 11.45 28.50 11.45 28.50 11.45 28.50 0.00 0.00 11 Haridwar DCCB 45.93 37.30 23.42 24.95 44.42 36.52 0.00 0.00 Total 937.29 40.02 683.59 40.34 398.42 30.84 26.73 14.50 UTTAR PRADESH 1 Agra DCCB 0.66 66.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Aligarh DCCB 0.94 100.00 0.11 100.00 0.00 0.00 0.00 0.00 3 Allahabad DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Bahrich DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 Banda DCCB 6.78 59.68 6.25 75.85 6.78 59.68 0.00 0.00 6 Bijnor DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 Budaun DCCB 58.89 71.55 58.89 71.55 58.89 71.55 0.00 0.00 8 Deoria Kasia DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Saharanpur DCCB 33.96 100.00 28.75 100.00 0.00 0.00 0.00 0.00 10 Varanasi DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11 Etah DCCB 0.10 33.33 0.00 0.00 0.10 33.33 0.00 0.00 12 Etawah DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13 Farrukhabad DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14 Fatehpur DCCB 128.48 100.00 55.59 100.00 0.00 0.00 0.00 0.00 15 Firozabad DCCB 99.76 98.96 89.47 99.20 10.05 90.62 0.00 0.00 16 Ghaziabad DCCB 0.98 100.00 0.00 0.00 0.00 0.00 0.98 100.00 17 Gorakhpur DCCB 0.37 100.00 0.37 100.00 0.37 100.00 0.00 0.00 18 Hamirpur DCCB 17.00 100.00 6.00 100.00 17.00 100.00 0.00 0.00 19 Hardoi DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20 Jalaun DCCB 4.68 100.00 3.77 100.00 0.95 100.00 3.73 100.00 21 Azamgarh DCCB 9.11 100.00 0.00 0.00 2.59 100.00 6.52 100.00

302 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S 22 Ghazipur DCCB 0.09 100.00 0.00 0.00 0.00 0.00 0.00 0.00 23 Ballia DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24 Barabanki DCCB 5.69 32.04 0.00 0.00 0.00 0.00 5.69 32.04 25 Bareilly DCCB 34.50 100.00 4.57 100.00 8.98 100.00 25.52 100.00 26 Basti DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27 Bulandsahar DCCB 20.42 43.15 20.42 43.15 10.21 43.15 0.00 0.00 28 Jaunpur DCCB 2.41 100.00 0.93 100.00 2.41 100.00 0.00 0.00 29 Jhansi DCCB 7.46 65.44 6.53 63.65 0.00 0.00 0.00 0.00 30 Kanpur DCCB 1.78 100.00 1.78 100.00 1.78 100.00 0.00 0.00 31 Lakhimpur-Khiri DCCB 290.71 99.94 159.47 99.89 88.07 99.80 198.46 100.00 32 Lalitpur DCCB 142.87 100.00 58.87 100.00 122.60 100.00 0.00 0.00 33 Lucknow DCCB 0.77 100.00 0.00 0.00 0.77 100.00 0.00 0.00 34 Meerut DCCB 9.76 65.07 2.37 100.00 0.00 0.00 0.00 0.00 35 Mirzapur DCCB 46.06 100.00 30.86 100.00 46.06 100.00 0.00 0.00 36 Muradabad DCCB 26.49 100.00 0.00 0.00 25.99 100.00 0.00 0.00 37 Pratapgarh DCCB 129.10 100.00 129.10 100.00 64.55 100.00 0.00 0.00 38 Raibareilly DCCB 0.46 100.00 0.42 100.00 0.00 0.00 0.00 0.00 39 Shahjahanpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40 Sidharthnagar DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41 Unnao DCCB 1.71 100.00 1.09 100.00 1.71 100.00 0.00 0.00 42 Mainpuri DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 43 Mathura DCCB 14.23 100.00 1.42 100.00 10.99 100.00 0.00 0.00 44 Muzaffarnagar DCCB 15.48 100.00 4.66 100.00 15.48 100.00 0.00 0.00 45 Pilibhit DCCB 29.47 89.57 20.67 85.77 10.40 100.00 0.00 0.00 46 Rampur DCCB 4.04 100.00 4.04 100.00 0.00 0.00 0.00 0.00 47 Sultanpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 48 Uttar Pradesh STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 1145.21 93.37 696.40 92.00 506.73 92.20 240.90 95.23 Total Central Region 2636.81 42.96 1714.13 36.46 1137.13 30.01 267.63 57.36 EASTERN REGION ANDAMAN & NICOBAR The Andaman & Nicobar 1 93.50 9.13 86.96 8.53 0.00 0.00 0.00 0.00 STCB Total 93.50 9.13 86.96 8.53 0.00 0.00 0.00 0.00 BIHAR 1 Ara DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Sasaram-Bhabua DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Aurangabad DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Begusarai DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 Bhagalpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 Gopalganj DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 Katihar DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 303 STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S 8 Khagaria DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9 Magadh DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 Monghyr-Jamui DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11 Motihari DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 Muzaffarpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13 Nalanda DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14 Bettiah DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15 Nawadah DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16 Purnea DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17 Rohika DCCB, (Madhubani) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18 Samastipur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19 Sitamarhi DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20 Siwan DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21 Vaishali DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 JHARKHAND 1 Dhanbad DCCB 3.01 23.01 3.01 23.01 2.38 26.65 0.00 0.00 2 Jharkhand STCB 16.84 7.03 16.84 7.03 0.00 0.00 0.00 0.00 Total 19.85 7.86 19.85 7.86 2.38 26.65 0.00 0.00 ODISHA 1 Cuttack DCCB 206.78 9.70 206.78 9.70 204.43 17.78 2.35 0.24 2 Keonjhar DCCB 197.19 32.58 197.19 32.58 197.19 32.58 0.00 0.00 3 Nayagarh DCCB 137.73 32.48 132.98 31.71 41.03 100.00 0.00 0.00 4 Angul United DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 Aska DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 Balasore Bhadrak DCCB 159.82 2.07 159.82 2.07 0.00 0.00 0.00 0.00 7 Banki DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Berhampore DCCB 93.96 5.09 93.96 5.09 31.32 5.09 31.32 5.31 9 Bhawanipatna DCCB 25.50 44.04 25.50 44.04 25.50 44.04 0.00 0.00 10 Bolangir DCCB 53.45 15.82 28.14 9.15 0.00 0.00 0.00 0.00 11 Boudh DCCB 140.85 66.53 140.85 66.53 0.00 0.00 0.00 0.00 12 Khurda DCCB 366.89 31.16 366.89 31.16 0.00 0.00 0.00 0.00 13 Koraput DCCB 419.30 25.15 419.30 25.15 245.41 100.00 0.00 0.00 14 Mayurbhanj DCCB 75.12 29.36 75.12 29.36 75.12 29.36 0.00 0.00 15 Sambalpur DCCB 364.50 33.04 364.50 33.04 269.20 100.00 0.00 0.00 16 Sundargarh DCCB 39.43 0.81 39.43 0.81 29.42 0.87 10.01 0.66 17 United Puri-Nimapara DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 2280.52 9.13 2250.46 9.03 1118.62 12.13 43.68 1.42 WEST BENGAL 1 Balageria DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bankura DCCB 1326.80 19.62 1310.75 19.71 928.76 16.16 0.00 0.00 3 Birbhum DCCB 66.84 56.01 66.84 56.01 0.00 0.00 0.00 0.00

304 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S 4 Darjeeling DCCB 6.98 33.92 0.00 0.00 0.00 0.00 0.00 0.00 5 Hooghly DCCB 209.89 1.11 209.89 1.11 0.00 0.00 0.00 0.00 6 Howrah DCCB 47.66 0.83 45.69 0.81 0.00 0.00 0.00 0.00 7 Malda DCCB 267.04 4.45 267.04 4.45 267.04 4.45 0.00 0.00 8 Murshidabad DCCB 1899.49 16.11 1718.48 14.81 35.21 0.36 0.00 0.00 9 Nadia DCCB 399.19 1.34 358.35 1.31 0.00 0.00 0.00 0.00 10 Purulia DCCB 10.18 3.62 10.18 3.62 10.18 4.36 0.00 0.00 11 Raiganj DCCB 619.98 17.36 619.98 17.36 0.00 0.00 0.00 0.00 12 Tamluk Ghatal DCCB 89.02 0.75 89.02 0.75 0.00 0.00 0.00 0.00 13 Burdwan DCCB 155.33 10.69 75.72 7.11 0.00 0.00 0.00 0.00 14 Dakshin Dinajpur DCCB 33.48 2.65 33.48 2.65 0.00 0.00 0.00 0.00 15 Jalpaiguri DCCB 71.36 19.67 59.02 19.22 0.00 0.00 0.00 0.00 16 Mugberia DCCB 4.24 0.07 4.24 0.08 0.00 0.00 0.00 0.00 17 West Bengal STCB 856.32 7.69 590.95 6.08 0.00 0.00 0.00 0.00 18 Vidyasagar DCCB 162.09 2.76 132.68 2.44 0.00 0.00 0.00 0.00 Total 6225.89 5.10 5592.31 4.80 1241.19 5.53 0.00 0.00 Total Eastern Region 8619.76 5.81 7949.58 5.57 2362.19 7.46 43.68 1.32 NORTH EASTERN REGION ASSAM 1 Assam STCB 502.07 35.91 46.71 5.00 502.07 35.91 0.00 0.00 Total 502.07 35.91 46.71 5.00 502.07 35.91 0.00 0.00 MANIPUR 1 Manipur STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 MIZORAM 1 Mizoram STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 SIKKIM 1 Sikkim STCB 9.08 14.28 9.08 14.28 0.00 0.00 0.00 0.00 Total 9.08 14.28 9.08 14.28 0.00 0.00 0.00 0.00 Total North Eastern 511.15 26.72 55.79 5.59 502.07 35.19 0.00 0.00 Region NORTHERN REGION CHANDIGARH 1 Chandigarh STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 HARYANA 1 Ambala DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Bhiwani DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Faridabad DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 Fatehabad DCCB 102.68 96.59 69.12 98.38 102.68 96.59 0.00 0.00 5 Gurgaon DCCB 9.09 85.51 9.09 85.51 0.00 0.00 9.09 85.51

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 305 STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S 6 Hissar DCCB 221.41 98.70 150.20 98.99 0.00 0.00 0.00 0.00 7 Jhajjar DCCB 8.49 100.00 8.49 100.00 0.00 0.00 0.00 0.00 8 Jind DCCB 3.00 100.00 3.00 100.00 3.00 100.00 0.00 0.00 9 Kaithal DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 Karnal DCCB 2.70 16.36 2.70 16.36 0.00 0.00 0.00 0.00 11 Kurukshetra DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 Mahendragarh DCCB 14.16 62.52 1.82 17.65 14.16 62.52 0.00 0.00 13 Panchakula DCCB 9.01 100.00 9.01 100.00 9.01 100.00 0.00 0.00 14 Panipat DCCB 3.66 30.60 3.66 30.60 0.00 0.00 0.00 0.00 15 Rewari DCCB 16.35 47.04 16.35 47.04 11.28 38.39 0.00 0.00 16 Rohtak DCCB 4.78 20.21 4.78 25.33 4.78 20.21 0.00 0.00 17 Sirsa DCCB 19.24 96.01 18.85 95.93 0.00 0.00 19.24 96.01 18 Sonepat DCCB 3.81 14.00 3.22 16.15 3.81 14.00 0.00 0.00 19 Yamunanagar DCCB 4.10 71.43 4.10 71.43 0.00 0.00 0.00 0.00 Total 422.48 75.85 304.39 71.86 148.72 63.47 28.33 65.62 HIMACHAL PRADESH 1 Jogindra DCCB 134.57 18.08 134.57 18.08 5.79 1.68 0.00 0.00 2 Himachal Pradesh STCB 239.32 8.45 51.34 2.56 51.34 2.56 0.00 0.00 3 Kangra DCCB 274.40 10.91 244.90 10.55 66.21 4.33 3.53 9.33 Total 648.29 10.64 430.81 8.50 123.34 3.18 3.53 9.33 JAMMU AND KASHMIR 1 Baramulla DCCB 38.50 100.00 34.42 100.00 38.50 100.00 0.00 0.00 2 Anantnag DCCB 2.77 69.08 1.87 64.04 0.00 0.00 0.00 0.00 3 Jammu DCCB 7.17 93.48 7.17 93.48 7.17 93.48 0.00 0.00 4 Jammu & Kashmir STCB 1.04 100.00 1.04 100.00 1.04 100.00 0.00 0.00 Total 49.48 96.60 44.50 96.63 46.71 98.94 0.00 0.00 NEW DELHI 1 Delhi STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PUNJAB 1 Amritsar DCCB 27.61 59.54 23.33 57.17 0.00 0.00 0.00 0.00 2 Bhatinda DCCB 21.63 43.22 21.63 43.22 0.00 0.00 0.00 0.00 3 Faridkot DCCB 10.47 64.91 10.47 64.91 0.00 0.00 0.00 0.00 4 Fatehgarh Sahib DCCB 17.56 22.33 17.56 22.33 0.00 0.00 0.00 0.00 5 Fazilka DCCB 13.98 100.00 13.98 100.00 0.00 0.00 0.00 0.00 6 Gurdaspur DCCB 25.97 71.27 25.97 71.27 25.97 71.27 0.00 0.00 7 Hoshiarpur DCCB 13.45 32.58 5.18 18.95 0.00 0.00 0.00 0.00 8 Jalandhar DCCB 22.71 35.48 22.69 35.56 0.00 0.00 0.00 0.00 9 Kapurthala DCCB 0.02 0.46 0.02 0.46 0.00 0.00 0.00 0.00 10 Ludhiana DCCB 12.04 12.36 12.04 12.36 0.00 0.00 0.00 0.00 11 Mansa DCCB 0.78 12.17 0.78 12.17 0.00 0.00 0.00 0.00 12 Moga DCCB 12.63 83.75 12.63 83.75 0.00 0.00 0.00 0.00

306 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S 13 Muktsar DCCB 37.81 88.30 37.81 88.30 37.81 88.30 0.00 0.00 14 Nawanshahr DCCB 4.48 15.57 4.48 15.57 0.00 0.00 0.00 0.00 15 Patiala DCCB 32.13 41.11 32.13 41.11 10.11 50.27 0.00 0.00 16 Ropar DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17 Sangrur DCCB 19.47 66.93 18.73 70.41 19.47 66.93 0.00 0.00 18 Sas Nagar DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19 Taran Taran DCCB 0.17 3.91 0.17 3.91 0.00 0.00 0.00 0.00 Total 272.91 41.04 259.60 40.39 93.36 72.68 0.00 0.00 RAJASTHAN 1 Ajmer DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Baran DCCB 271.55 99.21 252.48 99.41 0.00 0.00 82.41 99.23 3 Chittorgarh DCCB 108.84 70.84 96.46 81.35 0.00 0.00 0.00 0.00 4 Dausa DCCB 142.35 82.93 128.49 87.23 13.86 56.90 0.00 0.00 5 Hanumangarh DCCB 28.00 76.57 28.00 93.33 0.00 0.00 0.00 0.00 6 Jhunjhunu DCCB 81.35 23.73 81.35 23.73 0.00 0.00 0.00 0.00 7 Sawai Madhopur DCCB 59.39 65.41 48.46 69.53 0.00 0.00 0.00 0.00 8 Alwar DCCB 85.36 59.98 85.36 59.98 11.75 20.56 0.00 0.00 9 Banswara DCCB 69.00 30.21 69.00 30.21 69.00 30.21 0.00 0.00 10 Barmer DCCB 319.44 83.19 319.44 83.19 0.00 0.00 0.00 0.00 11 Bharatpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 Bundi DCCB 124.53 63.94 124.53 63.94 72.50 71.43 0.00 0.00 13 Bhilwara DCCB 13.73 38.50 13.73 41.01 5.99 39.20 0.00 0.00 14 Bikaner DCCB 312.38 92.80 312.38 92.80 23.48 83.83 0.00 0.00 15 Tonk DCCB 82.74 100.00 29.06 100.00 64.80 100.00 17.94 100.00 16 Churu DCCB 104.50 48.30 81.95 56.53 27.56 99.17 0.00 0.00 17 Dungarpur DCCB 39.77 17.71 39.77 17.71 0.00 0.00 0.00 0.00 18 Ganganagar DCCB 12.13 11.40 12.13 11.40 0.00 0.00 0.00 0.00 19 Jaipur DCCB 895.89 73.35 895.89 73.35 0.00 0.00 0.00 0.00 20 Jaisalmer DCCB 164.41 37.32 164.41 37.32 110.66 28.61 53.75 100.00 21 Jalore DCCB 49.15 70.15 49.15 81.03 49.15 70.15 0.00 0.00 22 Jhalawar DCCB 204.80 54.79 123.42 42.65 31.12 100.00 0.00 0.00 23 Jodhpur DCCB 102.78 98.36 97.89 98.28 79.00 100.00 0.00 0.00 24 Kota DCCB 154.52 81.18 154.52 81.55 5.45 28.96 0.00 0.00 25 Nagaur DCCB 170.28 80.43 170.28 80.43 170.28 80.43 0.00 0.00 26 Pali DCCB 334.34 82.46 334.34 82.46 0.00 0.00 0.00 0.00 27 Rajasthan STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 28 Sikar DCCB 247.12 47.47 247.12 47.47 0.00 0.00 0.00 0.00 29 Sirohi DCCB 50.64 46.63 50.64 46.63 1.00 55.25 0.00 0.00 30 Udaipur DCCB 55.96 29.30 52.56 30.28 55.96 29.30 0.00 0.00 Total 4284.95 62.28 4062.81 62.22 791.56 48.81 154.10 93.61 Total Northern Region 5678.11 39.86 5102.11 40.14 1203.69 20.38 185.96 75.70

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 307 STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S SOUTHERN REGION ANDHRA PRADESH 1 Anantpur DCCB 230.36 13.85 230.36 13.85 0.00 0.00 0.00 0.00 2 Andhra Pradesh STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 Chittoor DCCB 76.10 20.00 76.10 20.00 0.00 0.00 0.00 0.00 4 Eluru DCCB 128.45 5.83 128.45 5.83 0.00 0.00 0.00 0.00 5 Kakinada DCCB 0.91 0.50 0.91 0.50 0.91 0.50 0.00 0.00 6 Kurnool DCCB 4.00 1.59 2.18 0.87 4.00 1.59 0.00 0.00 7 Srikakulam DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Visakhapatnam DCCB 40.33 2.43 40.33 2.43 40.33 2.43 0.00 0.00 9 Vizianagaram DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 Guntur DCCB 198.27 7.02 198.27 7.05 0.00 0.00 0.00 0.00 11 Kadapa DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 Krishna DCCB 345.89 1.75 345.89 1.75 0.00 0.00 0.00 0.00 13 Nellore DCCB 2.41 100.00 2.41 100.00 0.00 0.00 0.00 0.00 14 Prakasam DCCB 12.84 1.12 12.84 1.12 0.00 0.00 0.00 0.00 Total 1039.56 3.41 1037.74 3.40 45.24 2.04 0.00 0.00 KARNATAKA 1 Bagalkot DCCB 34.85 14.63 34.85 15.27 0.00 0.00 0.00 0.00 2 Mandya DCCB 101.09 0.63 96.71 0.64 60.66 0.58 40.43 0.73 3 Belagavi DCCB 40.63 1.88 36.51 1.81 31.70 1.99 8.93 1.56 4 Bellary DCCB 66.39 5.85 66.39 5.92 2.86 0.27 0.00 0.00 5 Bengaluru DCCB 232.47 9.09 232.47 9.26 0.00 0.00 0.00 0.00 6 Chikmagalur DCCB 262.25 25.46 236.01 23.74 0.00 0.00 0.00 0.00 7 Chitradurga DCCB 187.29 23.27 187.29 23.41 26.28 4.08 22.51 100.00 8 Dawangere DCCB 16.15 3.19 16.15 3.26 16.15 3.19 0.00 0.00 9 Bidar DCCB 320.91 1.48 256.72 1.22 0.00 0.00 0.00 0.00 Gulbarga And Yadgir 10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 DCCB 11 Hassan DCCB 266.16 3.94 260.33 4.06 30.61 0.52 4.48 2.23 12 Kanara DCCB 25.34 1.12 23.98 1.13 16.57 1.13 7.41 1.12 Karnataka DCCB 13 13.56 1.26 9.79 1.59 4.62 1.32 1.61 5.79 (Dharwad) 14 Kodagu DCCB 34.60 1.11 19.60 0.73 14.00 1.62 0.00 0.00 Kolar and Chickaballapur 15 23.28 0.05 23.28 0.05 0.00 0.00 0.00 0.00 DCCB Mysore and Chamarajnagar 16 470.00 57.43 449.17 56.82 71.51 74.90 0.00 0.00 DCCB 17 Raichur DCCB 55.33 7.48 55.33 7.48 40.99 7.48 14.34 7.62 18 Shimoga DCCB 23.27 0.29 19.72 0.29 18.36 0.29 1.36 0.42 19 South Canara DCCB 238.40 1.38 86.11 0.76 238.40 1.38 0.00 0.00 20 Tumkur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21 Vijayapura DCCB 3.95 0.49 2.91 0.41 0.00 0.00 0.00 0.00 Total 2415.92 1.76 2113.32 1.68 572.71 1.06 101.07 1.33

308 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S KERALA 1 Alappuzha DCCB 185.63 1.21 170.78 1.21 0.00 0.00 0.00 0.00 2 Ernakulam DCCB 2.71 0.07 2.71 0.07 0.00 0.00 0.00 0.00 3 Idukki DCCB 1304.67 9.60 1203.42 9.75 1304.67 9.60 0.00 0.00 4 Kannur DCCB 21.54 0.12 4.24 0.05 10.77 0.12 0.00 0.00 5 Kasaragod DCCB 17.00 1.18 12.00 0.90 17.00 1.18 0.00 0.00 6 Kollam DCCB 195.00 6.11 119.00 4.20 15.00 2.86 0.00 0.00 7 Kottayam DCCB 53.36 100.00 53.36 100.00 0.00 0.00 0.00 0.00 8 Kozhikode DCCB 142.00 11.43 142.00 13.96 128.00 13.21 14.00 5.13 9 Malappuram DCCB 10.87 1.30 10.87 1.30 2.86 1.07 0.00 0.00 10 Palakkad DCCB 13.59 6.41 10.47 5.01 0.00 0.00 0.00 0.00 11 Pathanamthitta DCCB 365.10 5.66 365.10 5.86 182.55 5.66 0.00 0.00 Thiruvananthapuram 12 471.97 20.37 471.97 20.37 471.97 20.37 0.00 0.00 DCCB 13 Wayanad DCCB 301.70 3.17 301.70 3.17 301.70 3.17 0.00 0.00 14 Thrissur DCCB 12.00 0.41 12.00 0.41 0.00 0.00 0.00 0.00 Total 3097.14 3.91 2879.62 4.32 2434.52 5.96 14.00 5.04 PUDUCHERRY 1 Pondicherry STCB 342.42 22.96 342.42 23.03 342.42 22.96 0.00 0.00 Total 342.42 22.96 342.42 23.03 342.42 22.96 0.00 0.00 TAMIL NADU 1 Chennai DCCB 55.54 8.31 55.54 8.31 0.00 0.00 0.00 0.00 2 Dindigul DCCB 583.71 21.82 542.10 20.79 0.00 0.00 583.71 22.33 3 Coimbatore DCCB 395.19 5.82 371.35 5.62 198.17 4.53 197.02 8.15 4 Cuddalore DCCB 191.32 3.44 186.52 3.37 84.22 1.97 107.10 8.36 5 Dharmapuri DCCB 551.82 10.29 551.82 10.48 0.00 0.00 0.00 0.00 6 Erode DCCB 301.41 5.22 301.36 5.22 217.21 3.92 84.20 34.62 7 Kancheepuram DCCB 430.21 14.60 430.21 14.60 0.00 0.00 0.00 0.00 8 Kanyakumari DCCB 153.06 0.96 137.75 0.96 0.00 0.00 0.00 0.00 9 Kumbakonam DCCB 657.11 10.81 657.11 10.81 0.00 0.00 0.00 0.00 10 Madurai DCCB 636.02 19.38 636.02 19.38 300.72 12.88 182.95 24.00 11 Nilgiris DCCB 480.00 8.71 478.60 8.71 0.00 0.00 0.00 0.00 12 Pudukottai DCCB 193.55 5.95 193.55 6.05 0.00 0.00 0.00 0.00 13 Ramanathapuram DCCB 703.37 25.07 703.37 25.07 512.39 28.08 190.98 19.49 14 Salem DCCB 286.15 1.46 271.85 1.46 171.69 1.46 85.84 1.46 15 Sivgangai DCCB 270.20 3.95 270.20 3.95 0.00 0.00 0.00 0.00 16 Thanjavur DCCB 398.38 5.37 398.38 5.37 308.78 4.61 89.60 12.37 17 Tiruchirapalli DCCB 547.85 2.70 537.40 2.67 410.67 2.46 137.18 3.83 18 Tirunelveli DCCB 75.46 2.23 75.46 2.23 75.46 2.23 0.00 0.00 19 Tiruvannamalai DCCB 702.21 6.19 702.21 6.21 702.21 6.19 0.00 0.00 20 Vellore DCCB 912.20 11.78 912.20 11.78 0.00 0.00 190.35 10.11 21 Villupuram DCCB 519.04 20.41 463.54 23.67 519.04 20.41 0.00 0.00

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 309 STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S 22 Virudhunagar DCCB 72.69 2.31 72.69 2.31 0.00 0.00 0.00 0.00 23 Thoothukudi DCCB 11.60 0.14 11.60 0.14 7.10 0.09 4.50 0.93 Total 9128.09 5.80 8960.83 5.83 3507.66 4.42 1853.43 8.89 TELANGANA 1 Adilabad DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 Khammam DCCB 22.13 3.52 22.13 3.52 22.13 3.52 0.00 0.00 3 Medak DCCB 86.30 0.54 86.30 0.54 0.00 0.00 0.00 0.00 4 Warangal DCCB 23.94 100.00 23.94 100.00 0.00 0.00 0.00 0.00 5 Hyderabad DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 Karimnagar DCCB 501.56 2.34 501.56 4.69 0.00 0.00 0.00 0.00 7 Mahbubnagar DCCB 13.05 87.35 13.05 87.35 13.05 87.35 0.00 0.00 8 Nalgonda DCCB 257.81 55.70 257.81 55.70 0.00 0.00 0.00 0.00 9 Nizamabad DCCB 624.76 11.84 624.76 11.84 0.00 0.00 0.00 0.00 10 Telangana STCB 2.99 0.11 2.99 0.11 0.00 0.00 2.99 0.11 Total 1532.54 3.25 1532.54 4.22 35.18 3.12 2.99 0.11 Total Southern Region 17555.67 3.88 16866.47 4.07 6937.73 3.88 1971.49 6.28 WESTERN REGION GOA 1 Goa STCB 59.26 9.49 59.26 9.51 0.00 0.00 0.00 0.00 Total 59.26 9.49 59.26 9.51 0.00 0.00 0.00 0.00 GUJARAT 1 Banaskantha DCCB 10.57 48.64 10.10 48.10 10.57 48.64 0.00 0.00 2 Bhavnagar DCCB 10.00 22.22 7.00 26.92 0.00 0.00 0.00 0.00 3 Mehsana DCCB 44.00 20.18 13.00 19.40 0.00 0.00 0.00 0.00 4 Panchmahals DCCB 2.89 24.49 1.42 13.75 0.00 0.00 0.00 0.00 5 Rajkot DCCB 9.04 1.29 9.04 1.30 0.99 1.33 0.00 0.00 6 Sabarkantha DCCB 1.04 1.92 1.04 1.92 0.00 0.00 0.00 0.00 7 Surat DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 8 Ahmedabad DCCB 23.17 43.60 23.17 62.86 23.17 64.56 0.00 0.00 9 Amreli DCCB 0.85 2.26 0.85 2.26 0.00 0.00 0.00 0.00 10 Baroda DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11 Bharuch DCCB 296.95 92.02 142.30 94.75 0.00 0.00 0.00 0.00 12 Gujarat STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13 Jamnagar DCCB 10.44 50.46 10.44 50.46 0.00 0.00 0.00 0.00 14 Junagadh DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15 Kachchh DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16 Kaira DCCB 0.09 100.00 0.01 100.00 0.00 0.00 0.09 100.00 17 Kodinar DCCB 5.94 5.17 5.94 5.17 0.00 0.00 0.00 0.00 18 Surendranagar DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19 Valsad DCCB 1.83 36.09 1.83 36.09 0.00 0.00 0.00 0.00 Total 416.81 24.68 226.14 17.08 34.73 26.33 0.09 100.00

310 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VI - C (contd.)

(Amt. R lakh) Out of Total - Exclusive For SHGs under For SHGs under For Total SHGs Women SHGs NRLM/SGSYY NULM/SJSRY NPA as Sr. NPA as NPA as NPA as Name of Bank %age No. Amount %age to Amount %age to Amount of %age to Amount to Total of NPAs Total loans of NPAs Total loans NPAs Total loans of NPAs loans O/S O/S O/S O/S MAHARASHTRA 1 Akola DCCB 52.84 49.63 52.84 49.63 22.25 30.21 0.00 0.00 2 Amrawati DCCB 78.02 53.76 53.00 46.04 0.00 0.00 0.00 0.00 3 Aurangabad DCCB 81.98 69.42 81.98 71.23 17.35 100.00 0.00 0.00 4 Beed DCCB 181.37 100.00 181.37 100.00 101.34 100.00 0.00 0.00 5 Bhandara DCCB 344.69 51.20 342.99 51.08 223.43 44.57 0.00 0.00 6 Buldhana DCCB 55.21 100.00 32.40 100.00 55.21 100.00 0.00 0.00 7 Chandrapur DCCB 466.10 17.74 466.10 17.74 99.00 6.80 367.10 96.23 8 Dhule & Nandurbar DCCB 93.60 16.67 79.89 15.72 77.23 100.00 0.00 0.00 9 Gadchiroli DCCB 116.12 9.91 113.82 9.79 46.20 11.26 0.00 0.00 10 Jalna DCCB 21.59 51.63 20.08 57.32 0.00 0.00 0.00 0.00 11 Kolhapur DCCB 5.92 0.91 5.92 0.91 3.59 1.27 0.00 0.00 12 Latur DCCB 91.61 23.48 91.61 23.48 11.13 5.43 0.00 0.00 13 Nagpur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14 Nasik DCCB 25.85 100.00 25.85 100.00 25.85 100.00 0.00 0.00 15 Osmanabad DCCB 1.26 100.00 1.19 100.00 0.00 0.00 1.26 100.00 16 Parbhani DCCB 356.78 55.54 234.73 54.99 234.73 56.47 0.00 0.00 17 Pune DCCB 120.55 12.00 115.30 11.54 52.07 100.00 0.00 0.00 18 Raigad DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19 Ratnagiri DCCB 21.09 6.60 20.48 6.46 0.00 0.00 0.00 0.00 20 Sangli DCCB 8.22 1.38 6.41 1.15 4.54 0.92 0.00 0.00 21 Sindhudurg DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22 Solapur DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23 Ahmednagar DCCB 300.45 71.82 300.45 71.82 191.63 99.18 0.00 0.00 24 Gondia DCCB 193.92 8.14 179.16 7.57 193.92 8.14 0.00 0.00 25 Jalgaon DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 26 Maharashtra STCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27 Mumbai DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 28 Nanded DCCB 2.29 100.00 2.29 100.00 0.00 0.00 0.00 0.00 29 Satara DCCB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30 Thane DCCB 1.67 0.02 1.67 0.02 0.96 1.45 0.00 0.00 31 Wardha DCCB 173.18 100.00 150.33 100.00 66.25 100.00 0.00 0.00 32 Yavatmal DCCB 904.67 99.41 817.15 99.57 904.67 99.41 0.00 0.00 Total 3698.98 13.20 3377.01 12.28 2331.35 27.34 368.36 96.24 Total Western Region 4175.05 13.76 3662.41 12.43 2366.08 27.33 368.45 96.24 Grand Total 39176.55 5.99 35350.49 5.84 14508.89 6.30 2837.21 2.22

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 311 STATEMENT - VII

Bank Loans provided to MFI/ MFOs and their Non-performing Assets (NPAs) - 2019-20

(Amt. R lakh) Loan disbursed by Outstanding Bank Loans Gross NPAs of Bank loans to MFIs/ Banks to MFIs/ MFIs against MFIs/ MFOs as MFOs as on 31 March 2020 Sr. during the year 2019-20 on 31 March 2020 Name of Bank No. No. of No. of No. of % to total Amount Amount MFI/ MFO MFI/ MFO Amount MFI/ MFO outstanding disbursed disbursed accounts accounts accounts loans A COMMERCIAL BANKS - PUBLIC SECTOR BANKS 1 Allahabad Bank 0 0.00 7 1224.08 1224.08 7 100.00 2 Andhra Bank 4 69000.00 16 85363.82 4635.56 5 5.43 3 Bank of Baroda 504 65385.38 4229 188262.26 6098.49 227 3.24 4 Bank of Maharashtra 2800 16284.48 4289 84861.58 1073.11 0 1.26 5 Central Bank of India 2 0.05 3 2.88 2.88 3 100.00 6 Corporation Bank 0 0.00 1 131.82 131.82 1 100.00 7 Indian Bank 34 176641.56 80 183797.44 852.99 2 0.46 8 Indian Overseas Bank 20 16607.94 183 53702.55 4141.22 31 7.71 9 Oriental Bank of Commerce 3 11840.91 7 12135.53 0.00 0 0.00 10 Punjab National Bank 0 0.00 4 28513.79 14288.54 2 50.11 11 State Bank of India 83 497555.00 105 192101.00 6960.00 26 3.62 12 Syndicate Bank 10 13800.00 19 15574.06 9870.98 6 63.38 13 Uco Bank 5 5810.12 47 20401.24 0.00 0 0.00 14 United Bank of India 14 1325.37 14 89601.29 0.00 0 0.00 Sub Total- Public Sector Com. 3479 874250.81 9004 955673.34 49279.67 310 5.16 Bank B COMMERCIAL BANKS-PRIVATE SECTOR BANKS 1 Axis Bank Limited 6 33400.00 32 171441.01 2037.06 3 1.19 2 Bandhan Bank Limited 14 80082.88 41 287136.95 0.00 0 0.00 3 City Union Bank Limited 1 120.00 6 652.69 0.00 0 0.00 4 Federal Bank Ltd 46 14665.02 264 97810.95 269.03 707 0.28 5 HDFC Bank Ltd. 14 409690.00 17 295457.00 0.00 0 0.00 6 ICICI Bank Limited 20 265500.00 25 277598.50 9153.00 2 3.30 7 IDBI Bank Limited 3 7977.00 16 13003.58 2818.47 4 21.67 8 Idfc Bank Limited 0 0.00 167 238886.38 0.00 0 0.00 9 Indusind Bank Ltd 4 52500.00 7 45925.42 0.00 0 0.00 10 Karnataka Bank Ltd 4 1508.70 10 2158.25 218.69 1 10.13 11 Ratnakar Bank Ltd 9 83600.00 15 105888.14 0.00 0 0.00 12 South Indian Bank Ltd 3 4700.00 19 7202.19 0.00 0 0.00 13 Tamilnad Mercantile Bank Ltd 0 0.00 1 84.18 0.00 0 0.00 14 The Dhanalakshmi Bank Ltd 6 12046.18 16 19232.10 371.39 2 1.93 15 Yes Bank Ltd. 2 1750.00 34 98250.00 0.00 0 0.00 Sub Total- Pvt Sector Com. 132 967539.78 670 1660727.34 14867.64 719 0.90 Bank C COMMERCIAL BANKS-SMALL FINANCE BANK 1 Esaf Small Finance Bank Ltd 4 2000.00 4 1295.55 0.00 0 0.00 2 Utkarsh Small Finance Bank Ltd 4 4900.00 7 7991.00 0.00 0 0.00 Sub Total -Small Finance 8 6900.00 11 9286.55 0.00 0 0.00 Banks

312 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VII (contd.)

(Amt. R lakh) Loan disbursed by Outstanding Bank Loans Gross NPAs of Bank loans to MFIs/ Banks to MFIs/ MFIs against MFIs/ MFOs as MFOs as on 31 March 2020 Sr. during the year 2019-20 on 31 March 2020 Name of Bank No. No. of No. of No. of % to total Amount Amount MFI/ MFO MFI/ MFO Amount MFI/ MFO outstanding disbursed disbursed accounts accounts accounts loans D COMMERCIAL BANKS-FOREIGN BANK 1 Citi Bank 2 14000.00 3 45500.00 0.00 0 0.00 Sub Total - Foreign Com. Banks 2 14000.00 3 45500.00 0.00 0 0.00 Total All Commercial Banks 3621 1862690.59 9688 2671187.23 64147.31 1029 2.40 E COOPERATIVE BANKS 1 Dindigul DCCB 169 3144.54 191 3782.44 58.69 67 1.55 2 Eluru DCCB 314 1587.26 1365 2202.25 128.45 79 5.83 3 Idukki DCCB 0 0.00 1 119.08 0.00 0 0.00 4 Kannur DCCB 47 302.00 288 646.62 17.52 75 2.71 5 Karnataka DCCB (Dharwad) 507 1222.62 796 1074.31 0.00 0 0.00 6 Telangana STCB 1 43000.00 1 42821.24 0.00 0 0.00 7 Uttarakhand STCB 76 34.65 102 38.93 0.00 0 0.00 8 Yavatmal DCCB 3 11.37 2565 908.16 0.00 907 0.00 Sub Total Cooperative Banks 1117 49302.44 5309 51593.03 204.66 1128 0.40 F REGIONAL RURAL BANKS 1 Assam Gramin Vikash Bank 1 200.00 10 615.88 27.99 2 4.54 2 Karnataka Vikas Grameena Bank 2 1000.00 3 726.80 0.00 0 0.00 3 Kashi Gomti Samyut Gramin Bank 0 0.00 1 304.75 304.75 1 100.00 4 Kerala Gramin Bank 0 0.00 1 8.37 8.37 1 100.00 5 Madhya Pradesh Gramin Bank 1 24.33 1 1.33 0.00 0 0.00 6 Odisha Gramya Bank 0 0.00 1 42.71 42.71 1 100.00 7 Puduvai Bharathiyar Grama Bank 0 0.00 1 30.31 0.00 0 0.00 8 Saurashtra Gramin Bank 1 70.00 1 45.45 0.00 0 0.00 9 Tamil Nadu Grama Bank 3 12.50 16 35.11 0.00 0 0.00 10 Utkal Grameen Bank 0 0.00 109 991.97 977.21 106 98.51 Sub Total Regional Rural 8 1306.83 144 2802.68 1361.03 111 48.56 Banks Total All Banks (Com. 4746 1913299.86 15141 2725582.94 65713.00 2268 2.41 Bank+Rrb+Coop. Bank) G Financial institution 1 SIDBI 16 109300 56 203279 21181 28 10.42 H Grand Total 4762 2022599.86 15197 2928861.94 86894.00 2296 2.97

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 313 STATEMENT - VIII - A

NABARD Support for Training and Capacity Building for SHG-BLP during 2019-20 (No. of Participants)

Trng for Elected SHG leaders/ Field visits of Bankers Trainers NGOs Govt. ofﬁcials Exposure visits Members of members BLBCs to SHGs PRIs Sr. State No. During During During During During During During During 2019-20 2019-20 2019-20 2019-20 2019-20 2019-20 2019-20 2019-20 Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 CENTRAL REGION 1 Chhattisgarh 420 11009 0 114 125 2711 0 2057 1683 75043 0 537 840 2577 0 60 2 Madhya Pradesh 2860 24675 0 415 1127 2344 0 4465 1420 44202 0 71 980 7903 0 314 3 Uttar Pradesh 1997 49811 0 690 1093 23945 0 3269 4219 149592 0 3555 2378 14237 0 249 4 Uttarakhand 771 5507 0 172 370 3431 0 180 620 10711 0 166 300 3097 0 27 Sub Total 6048 91002 0 1391 2715 32431 0 9971 7942 279548 0 4329 4498 27814 0 650 EASTERN REGION Andaman & Nicobar 1 144 1296 0 282 106 364 0 405 1218 18480 0 18 22 54 0 478 Islands 2 Bihar 850 12302 0 0 25 3744 0 160 0 26715 0 1302 0 1452 0 520 3 Jharkhand 312 3935 0 132 350 3778 0 189 9165 50102 0 372 0 1135 0 1920 4 Odisha 554 151670006660 0 14597 8642 159298 0 163 999 3785 0 3530 5 West Bengal 480 101179 0 0 450 59321 0 669 420 760552 0 208 330 1601 0 262 Sub Total 2340 133879 0 414 931 73867 0 16020 19445 1015147 0 2063 1351 8027 0 6710 NORTH EASTERN REGION 1 Arunachal Pradesh 60 281 20 20 0 356 0 1715 48 2281 000000 2 Assam 691 8276 0 123 291 5007 0 6009 2838 167352 0 340 558 1751 0 1704 3 Manipur 120 693 0 0 30 125 0 44 450 8026 0 0 45 324 0 0 4 Meghalaya 131 921 0 0 88 173 0 68 420 6341 0 126 143 335 0 36 5 Mizoram 0 543 000255001015728000000 6 Nagaland 106 334 0 0 109 733 0 14 99 5569 0 80 47 155 0 57 7Sikkim 0158000215013702295 0 159 0 0 0 0 8 Tripura 23 566 0 18 0 434 0 515 51 11829 0 0 0 26 0 21 Sub Total 1131 11772 20 161 518 7298 0 8502 4007 209421 0 705 793 2591 0 1818 NORTHERN REGION 1 Haryana 883 11376 0 70 280 3013 0 685 1047 16310 0 34 720 4900 0 1457 2Himachal Pradesh21562540004748043646942661505426135299000 3 Jammu & Kashmir 96 5296 0 0 56 1508 0 196 112 6734 0 736 149 1639 0 445 4 New Delhi 0 265 0 0 0 434 0 0 0 335 0 21 0 70 0 0 5 Punjab 301 8455 0 72 0 1322 0 705 362 10289 0 38 214 3847 0 1465 6 Rajasthan 318 21738 0 38 376 6829 0 24278 1047 14416 0 499 607 3324 0 50 Sub Total 1813 53384 0 180 712 17854 0 30228 3262 74699 0 6754 1825 16770 0 3417 SOUTHERN REGION 1 Andhra Pradesh 1170 14046 0 0 270 687 0 4506 0 12299 0 438 0 0 0 0 2 Karnataka 854 28930 0 1930 72 1420 0 4923 689 169851 0 898 574 6022 0 365 3 Kerala 1330 9381 0 60 0 1425 0 193 925 70097 0 410 0 291 0 34 4 Tamil Nadu 68 30609 0 98 0 5268 0 205 1290 146864 0 125 49 13904 0 319 5 Telangana 0 3880000000 0000000 Sub Total 3422 83354 0 2088 342 8800 0 9827 2904 399111 0 1871 623 20217 0 718 WESTERN REGION 1Goa 851036000268011252635 0 89 37 208 0 26 2 Gujarat 1512 22476 0 1058 55 2736 0 725 364 19546 0 1318 0 5411 0 2231 3 Maharashtra 965 26669 0 463 340 6246 15 1782 5118 163204 0 3886 0 14092 0 3939 Sub Total 2562 50181 0 1521 395 9250 15 2508 5607 185385 0 5293 37 19711 0 6196 1 BIRD, Bolpur 126 7438 0 90 213 3246 0 413 98 2660 11 29 0 0 0 0 2 BIRD, Lucknow 136 4010 0 355 126 3170 17 723 0 526 000000 3 BIRD, Mangalore 287 6230 0 24 240 1973 0 68 0 0 000000 4 Head Ofﬁce, Mumbai 0 117 00080317 0000000 Sub Total 549 17795 0 469 579 8397 17 1521 98 3186 11 29 0000 Grand Total 17865 441367 20 6224 6192 157897 32 78577 43265 2166497 11 21044 9127 95130 0 19509

Note : 1) Participants in the Swachha Bharat campaigns have not been included in the above statement 2) MEDPs conducted under FIF a/c only have been included above.

314 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VIII - A (contd.)

(No. of Participants)

Other Trainings MEDP LEDP MEPA Bankers' Meets NGOs Meets SLRCCDI Other Meets Grand Total During During During During During During During During During 2019-20 2019-20 2019-20 2019-20 2019-20 2019-20 2019-20 2019-20 2019-20 Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020 31 Mar 2020

0 28404 300 10300 0 755 0 0 0 154 0 759 0 78 110 1359 3478 135917 0 3412 240 6843 2600 7110 0 57 63 923 150 835 0 43 0 808 9440 104420 0 47716 60 21231 0 1375000300301618 0 20 0 2123 9747 322434 0 242 300 4770 972 1482 0 0 50 342 50 562 0 0 103 8017 3536 38706 0 79774 900 43144 3572 10722 0 57 113 4422 200 3774 0 141 213 12307 26201 601477

0190443656003300022700000903211 2045 31738 0 494 0 10219 1620 2070000794044001710717249561100 0 1425 1410 7409 2160 5062 0 0 75 982 82 956 0 90 0 1035 13554 78522 19981230010374140234000010670156630821281920 30304 284687 0 17010 390 52192 270 1050 0 534 0 6873 0 521 0 50 0 6648 2340 1008670 19981 42120 2243 113794 4050 10852 0 534 97 9786 82 17580 0 393 218 13531 50738 1464717

782118671015301301300009208300100148518509159 14812 17999 1680 14734 240 450 0 0 41 667 163 1045 0 113 160 1097 21474 226667 014851508354501383000456012600014951245 14992 0130842016033007560001950176000597150212635 0 1209 56 1222 0 600007012400701515 227 10663 014660369150300000230700005895718439 0760000009145301110220225913851 0 252 960 2759 1170 1320 0 0 0 24 0 0 0 71 450 474 2654 18309 15594 23661 4036 23052 2440 4399 0 0 132 1917 163 1735 0 206 780 7477 29614 304715

0 2702 180 4847 360 1590 0 0 77 530 81 1143 0 34 190 369 3818 49060 0 91 390 7311 420 510 0 0 0 788 0 376 0 187 0 4224 1854 63884 018876033003900004570925073054047321156 0100067100000001000004069 0 6065 0 40 1380 17980 3065 3155 0 0 0 715 40 1207 0 36 0 1102 5362 50428 95 4262 210 15196 0 390 0 0 167 1610 0 1025 0 14 0 2641 2820 96310 95 9082 2220 46335 3845 6035 0 0 244 4100 121 4776 0 344 190 12945 14327 286903

0 55038 1200 47856 4590 9132 0 0 120 3013 30 179 0 597 100 311 7480 148102 0 18281 60 19027 1620 1920 0 0 0 1198 0 1526 0 220 150 3985 4019 260496 0 161 840 23562 1260 2305 0 0 736 1561 0 884 0 45 130 890 5221 111299 0 91718 0 53776 300 2375000234803695060048391707 356203 0 0 1010 1730 2190 2280 0 0 50 819 0 80 0 0 245 507 3495 5804 0 165198 3110 145951 9960 18012 0 0 906 8939 30 6364 0 922 625 10532 21922 881904

0 145 30 734 90 150 0 0 18 43 0 38 0 0 0 325 385 5698 038051202234878090000066501494085182254301385052 0 13927 60 43272 150 435 0 1000 0 2843 0 1113 0 130 150 2056 6798 285057 0 17877 210 66354 1020 1485 0 1000 18 3551 0 2645 0 215 332 2635 10196 375807 08660000000000000044814742 034460000000000000027912230 0237000000000000005278532

012710000000000002505502502263 058200000000000002505501504 37767 35670 343532 12719 438630 24887 51505 0 1591 1510 32715 596 36874 0 2221 2608 59977 154502 3953290

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 315 STATEMENT - VIII - B

NABARD support for Training and Capacity Building - Joint Liability Groups during 2019-20 (No. of Participants) NGOs/KVKs/ Commercial Banks/ Cooperative Banks FCs/BCs & Other JLG Exposure Visits Grand Total Sr. RRBs (DCCBs/ PACS) State Agencies No. During During During During During 31-Mar-20 31-Mar-20 31-Mar-20 31-Mar-20 31-Mar-20 2019-20 2019-20 2019-20 2019-20 2019-20 CENTRAL REGION 1 Chhatisgarh 0 304 0 158 0 61 0 0 0 573 2 Madhya Pradesh 0 316 0 0 0 59 0 0 0 425 3 Uttar Pradesh 0 1226 0 0 0 0 0 0 0 1122 4 Uttarakhand 0 1074 0 1810 0 2709 0 60 0 5653 Sub Total 0 2920 0 1968 0 2829 0 60 0 7773 EASTERN REGION 1 A & N Islands 0 0 0 40 0 345 0 18 0 403 2 Bihar 0 2265 0 152 0 12464 0 0 0 21585 3 Jharkhand 0 1364 0 150 0 1211 0 0 0 2725 4 Odisha 0 4990 0 295 0 1573 0 120 0 6978 5 West Bengal 0 1110 0 90 0 0 0 30 0 1260 Sub Total 0 9729 0 727 0 15593 0 168 0 32951 NORTH EASTERN REGION 1 Arunachal Pradesh 0 0 0 0 0 50 0 0 0 50 2 Assam 0 333 0 0 0 4067 0 39 0 8189 3 Manipur 0 50 0 0 0 0 0 29 0 79 4 Meghalaya 0 129 0 0 0 312 0 0 0 441 5 Mizoram 0 0 0 0 0 0 0 0 0 0 6 Nagaland 0 60 0 0 0 1511 0 136 0 1867 7 Sikkim 0 135 0 2 0 38 0 39 0 214 8 Tripura 0 152 0 0 47 187 0 0 47 339 Sub Total 0 859 0 2 47 6165 0 243 47 11179 NORTHERN REGION 1 Haryana 0 411 0 22 0 0 0 78 0 511 2 Himachal Pradesh 0 763 0 30 0 371 0 148 0 1417 3 Jammu & Kashmir 0 240 0 0 0 2822 0 0 0 3062 4 New Delhi 0 0 0 0 0 0 0 0 0 0 5 Punjab 0 553 0 24 0 0 0 101 0 678 6 Rajasthan 0 515 0 15 0 82 0 20 0 632 Sub Total 0 2482 0 91 0 3275 0 347 0 6300 SOUTHERN REGION 1 Andhra Pradesh 150 1065 0 201 0 0 0 0 150 1635 2 Karnataka 0 1322 0 200 0 65 0 385 0 1972 3 Kerala 0 152 0 1000 0 2552 0 0 0 3749 4 Tamil Nadu 0 3481 0 5915 0 9541 0 218 0 19536 5 Telangana 115 310 90 540 0 0 0 0 205 850 Sub Total 265 6330 90 7856 0 12158 0 603 355 27742 WESTERN REGION 1 Goa 0 124 0 1 0 685 0 0 0 810 2 Gujarat 0 832 0 1026 0 94 0 0 0 2602 3 Maharashtra 0 2289 0 136 0 439 0 0 0 3402 Sub Total 0 3245 0 1163 0 1218 0 0 0 6814 1 BIRD, Bolpur 0 46 0 0 0 0 0 0 0 46 2 BIRD, Lucknow 0 179 0 45 0 0 0 0 0 224 3 BIRD, Mangalore 88 300 201 277 238 486 0 521 527 1584 Head Ofﬁce, 4 0000000000 Mumbai Sub Total 88 525 201 322 238 486 0 521 527 1854 Grand Total 353 26090 291 12129 285 41724 0 1942 929 94613

316 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - VIII - C

NABARD Support for Training and Capacity Building for SHG-BLP during 2019-20 from WSHG Fund (No. of Participants) All Other Programmes MEDPs Total Progs. Sr. (excluding MEDPs) State No. No. of No. of No. of No. of Progs No. of Progs No. of Progs Participants Participants Participants NORTHERN REGION 1 Haryana 0 0 0 0 0 0 2 Himachal Pradesh 5 390 8 214 13 604 3 Jammu & Kashmir 0 0 0 0 0 0 4 New Delhi 0 0 0 0 0 0 5 Punjab 0 0 0 0 0 0 6 Rajasthan 0 0 0 0 0 0 Sub Total 5 390 8 214 13 604 NORTH EASTERN REGION 1 Arunachal Pradesh 0 0 0 0 0 0 2 Assam 25 750 84 3223 109 3973 3 Manipur 0 0 0 0 0 0 4 Meghalaya 1 150 14 420 15 570 5 Mizoram 0 0 1 30 1 30 6 Nagaland 0 0 0 0 0 0 7 Sikkim 0 0 0 0 0 0 8 Tripura 1 150 0 0 1 150 Sub Total 27 1050 99 3673 126 4723 EASTERN REGION 1 Bihar 0 0 0 0 0 0 2 Jharkhand 33 990 45 6794 78 7784 3 Odisha 62 4140 177 12673 239 16813 4 A & N Islands 0 0 0 0 0 0 5 West Bengal 0 0 2 300 2 300 Sub Total 95 5130 224 19767 319 24897 CENTRAL REGION 1 Chhatisgarh 0 0 22 2684 22 2684 2 Madhya Pradesh 15 1530 282 14100 297 15630 3 Uttar Pradesh 0 0 4 214 4 214 4 Uttarakhand 5 210 1 65 6 275 Sub Total 20 1740 309 17063 329 18803 WESTERN REGION 1Goa 1 30 0 0 1 30 2 Gujarat 1 150 0 0 1 150 3 Maharashtra 0 0 0 0 0 0 Sub Total 2 180002180 SOUTHERN REGION 1 Andhra Pradesh 45 2610 56 1960 101 4570 2 Karnataka 4 240 6 503 10 743 3 Kerala 25 870 105 5778 130 6648 4 Tamil Nadu 12 780 41 1702 53 2482 5 Telangana 56 2360 13 3075 69 5435 Sub Total 142 6860 221 13018 363 19878 Grand Total 291 15350 861 53735 1152 69085

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 317 STATEMENT IX - A

Statewise Grant support sanctioned and released to NGOs as SHPIs as on 31 March 2020

(Amt. R lakh) No. of No. of No. of SHGs Sr. No. of SHGs to be Grant Grant No. of SHGs Name of State Beneﬁciary savings No. Proposals promoted/ sanctioned released credit linked NGOs linked credit linked NORTHERN REGION 1 Haryana 98 104 11638 765.86 264.73 6795 4761 2 Himachal Pradesh 71 75 5520 471.50 173.11 16268 13234 3 Jammu & Kashmir 76 84 4599 407.50 95.11 3029 2949 4 New Delhi 7 10 1075 39.00 23.99 883 700 5 Punjab 97 125 8925 608.10 275.48 6697 3560 6 Rajasthan 289 338 46550 3451.36 1234.88 21479 15869 Sub total 638 736 78307 5743.32 2067.30 55151 41073 NORTH EASTERN REGION 1 Arunachal Pradesh 29 41 1704 114.83 28.30 849 91 2 Assam 126 137 18469 601.44 353.94 14783 12138 3 Manipur 12 12 830 74.90 22.75 731 314 4 Meghalaya 23 26 2689 175.23 33.47 1215 266 5 Mizoram 8 8 700 48.50 13.38 470 104 6 Nagaland 15 15 1945 104.50 81.86 1989 1235 7 Sikkim 7 7 360 18.00 5.50 182 70 8 Tripura 14 15 1650 80.23 12.65 944 555 Sub total 234 261 28347 1217.63 551.85 21163 14773 EASTERN REGION 1 Andaman & Nicobar 23 28 2185 117.88 61.89 1997 1176 2 Bihar 364 378 39502 1800.50 517.18 18513 7218 3 Jharkhand 217 260 24350 1002.24 208.68 7776 3338 4 Odisha 357 430 42922 2751.41 815.10 25911 13528 5 West Bengal 210 249 44095 2005.49 929.37 34134 20969 Sub total 1171 1345 153054 7677.52 2532.22 88331 46229 CENTRAL REGION 1 Chattisgarh 58 62 11095 866.54 273.98 7971 2918 2 Madhya Pradesh 161 187 49730 3556.67 1501.91 40124 19568 3 Uttar Pradesh 867 1088 175640 10930.17 4399.31 155274 69857 4 Uttarakhand 373 456 35975 2244.09 487.07 20856 7438 Sub total 1459 1793 272440 17597.47 6662.27 224225 99781 WESTERN REGION 1 Goa 4 4 250 8.25 5.83 241 188 2 Gujarat 259 276 22066 552.62 215.08 15767 6183 3 Maharashtra 357 529 87053 3471.88 2475.47 81365 66081 Sub total 620 809 109369 4032.75 2696.38 97373 72452 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 176 219 20574 678.18 393.73 21370 14490 3 Kerala 51 51 10056 122.99 84.62 7149 5872 4 Tamil Nadu 96 106 22035 319.94 182.95 19924 18815 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 323 376 52665 1121.11 661.30 48443 39177 Grand total 4445 5320 694182 37389.80 15171.31 534686 313485

318 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT IX - B

Statewise Grant support sanctioned and released to RRBs as SHPIs as on 31 March 2020

(Amt. R lakh) No. of No. of No. of SHGs Sr. No. of SHGs to be Grant Grant No.of SHGs Name of State Beneﬁciary savings No. Proposals promoted/ sanctioned released credit linked RRBs linked credit linked NORTHERN REGION 1 Haryana 2 6 2763 111.87 50.05 3108 2157 2 Himachal Pradesh 1 2 500 4.25 2.61 1259 749 3 Jammu & Kashmir 2 2 1000 25.00 5.00 248 199 4 New Delhi 0 0 0 0.00 0.00 0 0 5 Punjab 4 6 3050 111.25 26.12 1306 1117 6 Rajasthan 1 1 1000 56.00 0.00 0 0 Sub total 10 17 8313 308.37 83.78 5921 4222 NORTH EASTERN REGION 1 Arunachal Pradesh 0 0 0 0.00 0.00 0 0 2 Assam 3 15 11950 607.35 311.28 14895 7741 3 Manipur 1 1 210 11.76 7.10 260 71 4 Meghalaya 0 0 0 0.00 0.00 0 0 5 Mizoram 0 0 0 0.00 0.00 0 0 6 Nagaland 0 0 0 0.00 0.00 0 0 7 Sikkim 0 0 0 0.00 0.00 0 0 8 Tripura 1 1 200 1.00 1.00 200 200 Sub total 5 17 12360 620.11 319.38 15355 8012 EASTERN REGION 1 Andaman & Nicobar 0 0 0 0.00 0.00 0 0 2 Bihar 0 0 0 0.00 0.00 0 0 3 Jharkhand 2 4 1100 5.72 0.85 259 68 4 Odisha 2 14 6450 54.09 24.93 12348 8206 5 West Bengal 3 8 4230 27.96 18.12 4583 3072 Sub total 7 26 11780 87.77 43.90 17190 11346 CENTRAL REGION 1 Chattisgarh 1 2 1500 47.50 0.00 0 375 2 Madhya Pradesh 3 4 5348 160.68 96.16 3450 1007 3 Uttar Pradesh 5 23 15695 470.72 79.05 7663 2660 4 Uttarakhand 0 0 0 0.00 0.00 0 0 Sub total 9 29 22543 678.90 175.21 11113 4042 WESTERN REGION 1 Goa 0 0 0 0.00 0.00 0 0 2 Gujarat 1 1 1575 19.50 0.00 85 6 3 Maharashtra 1 1 500 6.60 5.84 492 393 Sub total 2 2 2075 26.10 5.84 577 399 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 3 10 3535 34.28 30.46 4124 3784 3 Kerala 0 0 0 0.00 0.00 0 0 4 Tamil Nadu 2 3 1050 8.85 8.33 1008 943 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 5 13 4585 43.13 38.79 5132 4727 Grand total 38 104 61656 1764.38 666.90 55288 32748

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 319 STATEMENT IX - C

Statewise Grant support sanctioned and released to Cooperative Banks (Coops) as SHPIs as on 31 March 2020 (Amt. R lakh) No. of No. of No. of SHGs Sr. No. of SHGs to be Grant Grant No. of SHGs Name of State Beneﬁciary savings No. Proposals promoted/ sanctioned released credit linked Coops linked credit linked NORTHERN REGION 1 Haryana 7 7 1900 52.15 7.54 1169 547 2 Himachal Pradesh 1 1 200 11.20 0.00 0 0 3 Jammu & Kashmir 0 0 0 0.00 0.00 0 0 4 New Delhi 0 0 0 0.00 0.00 0 0 5 Punjab 3 3 800 42.70 5.17 215 37 6 Rajasthan 0 0 0 0.00 0.99 24 15 Sub total 11 11 2900 106.05 13.70 1408 599 NORTH EASTERN REGION 1 Arunachal Pradesh 1 1 100 5.60 1.78 84 0 2 Assam 1 1 100 5.60 1.88 174 53 3 Manipur 6 6 490 30.80 15.54 600 572 4 Meghalaya 1 1 300 4.50 3.44 385 229 5 Mizoram 0 0 0 0.00 0.00 0 0 6 Nagaland 2 3 2500 109.00 33.40 1175 1175 7 Sikkim 1 1 200 3.00 0.52 41 41 8 Tripura 0 0 0 0.00 0.00 0 0 Sub total 12 13 3690 158.50 56.56 2459 2070 EASTERN REGION 1 Andaman & Nicobar 4 5 500 23.80 14.81 400 325 2 Bihar 0 0 0 0.00 0.00 0 0 3 Jharkhand 0 0 0 0.00 0.00 0 0 4 Odisha 7 7 3060 43.02 14.77 2685 1382 5 West Bengal 16 21 20300 256.80 113.77 15579 11021 Sub total 27 33 23860 323.62 143.35 18664 12728 CENTRAL REGION 1 Chattisgarh 0 0 0 0.00 0.00 0 0 2 Madhya Pradesh 3 3 1950 57.20 10.45 1000 850 3 Uttar Pradesh 10 10 3550 76.00 11.68 2133 923 4 Uttarakhand 0 0 0 0.00 0.00 0 0 Sub total 13 13 5500 133.20 22.13 3133 1773 WESTERN REGION 1 Goa 0 0 0 0.00 0.00 0 0 2 Gujarat 5 5 2000 18.50 7.93 1858 396 3 Maharashtra 19 19 12257 259.10 132.77 8594 3537 Sub total 24 24 14257 277.60 140.70 10452 3933 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 17 24 16575 295.25 209.74 23325 15393 3 Kerala 0 0 0 0.00 0.00 0 0 4 Tamil Nadu 0 0 0 0.00 0.00 0 0 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 17 24 16575 295.25 209.74 23325 15393 Grand total 104 118 66782 1294.22 586.18 59441 36496

320 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT IX - D

Statewise Grant support sanctioned and released to IRVs as SHPIs as on 31 March 2020

(Amt. R lakh) No. of No. of No. of SHGs Sr. No. of SHGs to be Grant Grant No. of SHGs Name of State Beneﬁciary savings No. Proposals promoted/ sanctioned released credit linked IRVs linked credit linked NORTHERN REGION 1 Haryana 0 0 0 0.00 0.00 0 0 2 Himachal Pradesh 300 1 3000 42.00 10.05 3000 180 3 Jammu & Kashmir 3 3 340 6.12 0.24 0 0 4 New Delhi 0 0 0 0.00 0.00 0 0 5 Punjab 0 0 0 0.00 0.00 0 0 6 Rajasthan 0 0 0 0.00 0.00 0 0 Sub total 303 4 3340 48.12 10.29 3000 180 NORTH EASTERN REGION 1 Arunachal Pradesh 0 0 0 0.00 0.00 0 0 2 Assam 3 4 7510 135.18 27.04 3210 1647 3 Manipur 0 0 0 0.00 0.00 0 0 4 Meghalaya 0 0 0 0.00 0.00 0 0 5 Mizoram 0 0 0 0.00 0.00 0 0 6 Nagaland 0 0 0 0.00 0.00 0 0 7 Sikkim 0 0 0 0.00 0.00 0 0 8 Tripura 0 0 0 0.00 0.00 0 0 Sub total 3 4 7510 135.18 27.04 3210 1647 EASTERN REGION 1 Andaman & Nicobar 0 0 0 0.00 0.00 0 0 2 Bihar 0 0 0 0.00 0.00 0 0 3 Jharkhand 1 1 100 5.40 0.00 0 0 4 Odisha 4 4 2175 34.30 8.13 1139 739 5 West Bengal 4 4 1175 16.53 7.53 909 635 Sub total 9 9 3450 56.23 15.66 2048 1374 CENTRAL REGION 1 Chattisgarh 0 0 0 0.00 0.00 0 0 2 Madhya Pradesh 0 0 0 0.00 0.00 0 0 3 Uttar Pradesh 850 14 8500 151.75 7.33 1922 1293 4 Uttarakhand 0 0 0 0.00 0.00 0 0 Sub total 850 14 8500 151.75 7.33 1922 1293 WESTERN REGION 1 Goa 0 0 0 0.00 0.00 0 0 2 Gujarat 1 1 250 4.50 0.88 159 101 3 Maharashtra 4 4 3300 59.40 17.05 1974 720 Sub total 5 5 3550 63.90 17.93 2133 821 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 0 0 0 0.00 0.00 0 0 3 Kerala 0 0 0 0.00 0.00 0 0 4 Tamil Nadu 0 0 0 0.00 0.00 0 0 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 Grand total 1170 36 26350 455.18 78.25 12313 5315

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 321 STATEMENT IX - E

Statewise Grant support sanctioned and released to Farmers Clubs (FCs) as SHPIs as on 31 March 2020

(Amt. R lakh) No. of No. of No. of SHGs Sr. No. of SHGs to be Grant Grant No. of SHGs Name of State Beneﬁciary savings No. Proposals promoted/ sanctioned released credit linked FCs linked credit linked NORTHERN REGION 1 Haryana 2 2 10 0.32 0.00 0 0 2 Himachal Pradesh 15 15 320 3.91 2.84 299 284 3 Jammu & Kashmir 0 0 0 0.00 0.00 0 0 4 New Delhi 0 0 0 0.00 0.00 0 0 5 Punjab 0 0 0 0.00 0.00 0 0 6 Rajasthan 0 0 0 0.00 0.00 0 0 Sub total 17 17 330 4.23 2.84 299 284 NORTH EASTERN REGION 1 Arunachal Pradesh 0 0 0 0.00 0.00 0 0 2 Assam 56 57 794 7.94 2.03 323 231 3 Manipur 0 0 0 0.00 0.00 0 0 4 Meghalaya 0 0 0 0.00 0.00 0 0 5 Mizoram 0 0 0 0.00 0.00 0 0 6 Nagaland 0 0 0 0.00 0.00 0 0 7 Sikkim 0 0 0 0.00 0.00 0 0 8 Tripura 3 3 39 0.55 0.55 25 13 Sub total 59 60 833 8.49 2.58 348 244 EASTERN REGION 1 Andaman & Nicobar 0 0 0 0.00 0.00 0 0 2 Bihar 0 0 0 0.00 0.00 0 0 3 Jharkhand 1 1 100 4.50 0.00 0 0 4 Odisha 0 0 0 0.00 0.00 0 0 5 West Bengal 87 87 1260 16.38 3.92 1260 574 Sub total 88 88 1360 20.88 3.92 1260 574 CENTRAL REGION 1 Chattisgarh 0 0 0 0.00 0.00 0 0 2 Madhya Pradesh 0 0 0 0.00 0.00 0 0 3 Uttar Pradesh 102 226 2535 11.30 10.83 2535 0 4 Uttarakhand 0 0 0 0.00 0.00 0 0 Sub total 102 226 2535 11.30 10.83 2535 0 WESTERN REGION 1 Goa 2 2 20 0.10 0.10 22 9 2 Gujarat 1 1 50 1.00 0.05 5 0 3 Maharashtra 0 0 0 0.00 0.00 0 0 Sub total 3 3 70 1.10 0.15 27 9 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 0 0 0 0.00 0.00 0 0 3 Kerala 0 0 0 0.00 0.00 0 0 4 Tamil Nadu 0 0 0 0.00 0.00 0 0 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 Grand total 269 394 5128 46.00 20.32 4469 1111

322 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT IX - F

Statewise Grant support sanctioned and released to SHG-Federations as SHPIs as on 31 March 2020

(Amt. R lakh) No. of No. of No. of SHGs Sr. No. of SHGs to be Grant Grant No. of SHGs Name of State Beneﬁciary savings No. Proposals promoted/ sanctioned released credit linked SHG Fed linked credit linked NORTHERN REGION 1 Haryana 0 0 0 0.00 0.00 0 0 2 Himachal Pradesh 0 0 0 0.00 0.00 0 0 3 Jammu & Kashmir 0 0 0 0.00 0.00 0 0 4 New Delhi 0 0 0 0.00 0.00 0 0 5 Punjab 0 0 0 0.00 0.00 0 0 6 Rajasthan 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 NORTH EASTERN REGION 1 Arunachal Pradesh 0 0 0 0.00 0.00 0 0 2 Assam 0 0 0 0.00 0.00 0 0 3 Manipur 0 0 0 0.00 0.00 0 0 4 Meghalaya 0 0 0 0.00 0.00 0 0 5 Mizoram 0 0 0 0.00 0.00 0 0 6 Nagaland 0 0 0 0.00 0.00 0 0 7 Sikkim 0 0 0 0.00 0.00 0 0 8 Tripura 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 EASTERN REGION 1 Andaman & Nicobar 0 0 0 0.00 0.00 0 0 2 Bihar 0 0 0 0.00 0.00 0 0 3 Jharkhand 0 0 0 0.00 0.00 0 0 4 Odisha 0 0 0 0.00 0.00 0 0 5 West Bengal 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 CENTRAL REGION 1 Chattisgarh 0 0 0 0.00 0.00 0 0 2 Madhya Pradesh 0 0 0 0.00 0.00 0 0 3 Uttar Pradesh 3 3 100 17.40 11.17 46 0 4 Uttarakhand 1 1 100 8.00 1.20 0 0 Sub total 4 4 200 25.40 12.37 46 0 WESTERN REGION 1 Goa 0 0 0 0.00 0.00 0 0 2 Gujarat 0 0 0 0.00 0.00 0 0 3 Maharashtra 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 0 0 0 0.00 0.00 0 0 3 Kerala 0 0 0 0.00 0.00 0 0 4 Tamil Nadu 0 0 0 0.00 0.00 0 0 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 Grand total 4 4 200 25.40 12.37 46 0

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 323 STATEMENT IX - G

Statewise Grant support sanctioned and released to PACS as SHPIs as on 31 March 2020

(Amt. R lakh) No. of No. of No. of SHGs Sr. No. of SHGs to be Grant Grant No. of SHGs Name of State Beneﬁciary savings No. Proposals promoted/ sanctioned released credit linked PACS linked credit linked NORTHERN REGION 1 Haryana 0 0 0 0.00 0.00 0 0 2 Himachal Pradesh 0 0 0 0.00 0.00 0 0 3 Jammu & Kashmir 0 0 0 0.00 0.00 0 0 4 New Delhi 0 0 0 0.00 0.00 0 0 5 Punjab 3 3 580 14.00 2.80 0 0 6 Rajasthan 321 12 5113 255.65 1.68 79 17 Sub total 324 15 5693 269.65 4.48 79 17 NORTH EASTERN REGION 1 Arunachal Pradesh 0 0 0 0.00 0.00 0 0 2 Assam 3 3 500 25.00 9.18 400 283 3 Manipur 0 0 0 0.00 0.00 0 0 4 Meghalaya 0 0 0 0.00 0.00 0 0 5 Mizoram 3 3 75 3.75 1.64 74 7 6 Nagaland 0 0 0 0.00 0.00 0 0 7 Sikkim 0 0 0 0.00 0.00 0 0 8 Tripura 0 0 0 0.00 0.00 0 0 Sub total 6 6 575 28.75 10.82 474 290 EASTERN REGION 1 Andaman & Nicobar 0 0 0 0.00 0.00 0 0 2 Bihar 0 0 0 0.00 0.00 0 0 3 Jharkhand 0 0 0 0.00 0.00 0 0 4 Odisha 37 37 3877 162.85 0.00 0 0 5 West Bengal 26 26 1675 51.91 17.00 947 512 Sub total 63 63 5552 214.76 17.00 947 512 CENTRAL REGION 1 Chattisgarh 0 0 0 0.00 0.00 0 0 2 Madhya Pradesh 1 1 50 2.50 0.03 20 5 3 Uttar Pradesh 15 15 500 25.00 2.25 0 0 4 Uttarakhand 0 0 0 0.00 0.00 0 0 Sub total 16 16 550 27.50 2.28 20 5 WESTERN REGION 1 Goa 0 0 0 0.00 0.00 0 0 2 Gujarat 0 0 0 0.00 0.00 0 0 3 Maharashtra 2 2 1680 84.00 17.67 592 17 Sub total 2 2 1680 84.00 17.67 592 17 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 1 1 75 3.75 0.38 0 0 3 Kerala 0 0 0 0.00 0.00 0 0 4 Tamil Nadu 0 0 0 0.00 0.00 0 0 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 1 1 75 3.75 0.38 0 0 Grand total 412 103 14125 628.41 52.63 2112 841

324 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT IX - H

Statewise Grant support sanctioned and released to NGO-MFIs as SHPIs as on 31 March 2020

(Amt. R lakh) No. of No. of No. of SHGs Sr. No. of SHGs to be Grant Grant No. of SHGs Name of State Beneﬁciary savings No. Proposals promoted/ sanctioned released credit linked NGO-MFIs linked credit linked NORTHERN REGION 1 Haryana 0 0 0 0.00 0.00 0 0 2 Himachal Pradesh 0 0 0 0.00 0.00 0 0 3 Jammu & Kashmir 0 0 0 0.00 0.00 0 0 4 New Delhi 0 0 0 0.00 0.00 0 0 5 Punjab 0 0 0 0.00 0.00 0 0 6 Rajasthan 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 NORTH EASTERN REGION 1 Arunachal Pradesh 0 0 0 0.00 0.00 0 0 2 Assam 0 0 0 0.00 0.00 0 0 3 Manipur 0 0 0 0.00 0.00 0 0 4 Meghalaya 0 0 0 0.00 0.00 0 0 5 Mizoram 0 0 0 0.00 0.00 0 0 6 Nagaland 0 0 0 0.00 0.00 0 0 7 Sikkim 0 0 0 0.00 0.00 0 0 8 Tripura 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 EASTERN REGION 1 Andaman & Nicobar 0 0 0 0.00 0.00 0 0 2 Bihar 0 0 0 0.00 0.00 0 0 3 Jharkhand 0 0 0 0.00 0.00 0 0 4 Odisha 0 0 0 0.00 0.00 0 0 5 West Bengal 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 CENTRAL REGION 1 Chattisgarh 0 0 0 0.00 0.00 0 0 2 Madhya Pradesh 2 2 1300 65.00 4.00 0 0 3 Uttar Pradesh 2 2 2000 100.00 0.00 0 0 4 Uttarakhand 0 0 0 0.00 0.00 0 0 Sub total 4 4 3300 165.00 4.00 0 0 WESTERN REGION 1 Goa 0 0 0 0.00 0.00 0 0 2 Gujarat 0 0 0 0.00 0.00 0 0 3 Maharashtra 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 0 0 0 0.00 0.00 0 0 3 Kerala 0 0 0 0.00 0.00 0 0 4 Tamil Nadu 0 0 0 0.00 0.00 0 0 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 0.00 0 0 Grand total 4 4 3300 165.00 4.00 0 0

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 325 STATEMENT IX - I

Promotional Grant support sanctioned and released to JLGPIs as on 31 March 2020

(Amt. R lakh) JLGs to be No.of JLGs credit Sr. No. Name of State promoted/ credit Grant sanctioned Grant released linked linked NORTHERN REGION 1 Haryana 4043 65.23 28.77 4750 2 Himachal Pradesh 6164 123.28 54.64 6912 3 Jammu & Kashmir 5200 94.45 27.94 1900 4 New Delhi 125 2.50 0.33 48 5 Punjab 10475 209.50 63.37 5600 6 Rajasthan 19321 380.42 80.15 4157 Sub total 45328 875.38 255.20 23367 NORTH EASTERN REGION 1 Arunachal Pradesh 200 4.00 0.00 0 2 Assam 18970 379.40 75.54 7166 3 Manipur 1079 19.70 8.15 723 4 Meghalaya 834 14.70 5.83 253 5 Mizoram 325 6.50 1.46 56 6 Nagaland 3712 74.24 3.94 565 7 Sikkim 410 8.20 0.89 156 8 Tripura 8203 152.98 113.11 6525 Sub total 33733 659.72 208.92 15444 EASTERN REGION 1 Andaman & Nicobar 1015 20.30 3.91 502 2 Bihar 275350 3636.04 481.31 189475 3 Jharkhand 37775 755.50 12.17 18743 4 Odisha 54470 1089.40 425.71 44820 5 West Bengal 76667 1527.34 239.19 19013 Sub total 445277 7028.58 1162.29 272553 CENTRAL REGION 1 Chattisgarh 11175 193.50 36.43 2763 2 Madhya Pradesh 14816 296.32 73.02 6584 3 Uttar Pradesh 79438 1588.84 256.39 22975 4 Uttarakhand 16306 322.98 48.79 7398 Sub total 121735 2401.64 414.63 39720 WESTERN REGION 1 Goa 2900 68.00 25.99 2259 2 Gujarat 26264 525.28 150.28 9762 3 Maharashtra 93647 1766.04 668.10 138215 Sub total 122811 2359.32 844.37 150236 SOUTHERN REGION 1 Andhra Pradesh 36065 698.70 211.52 34089 2 Karnataka 78007 1680.44 496.08 33290 3 Kerala 86579 1627.58 554.54 29504 4 Tamil Nadu 109759 2195.67 816.27 51084 5 Telangana 36821 632.54 285.00 22762 Sub total 347231 6834.93 2363.41 170729 Grand total 1116115 20159.57 5248.81 672049

326 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT IX - J

Total Statewise Grant support sanctioned and released to all SHPIs as on 31 March 2020

(Amt. R lakh) No. of No. of SHGs Sr. No. of No. of SHGs to be Grant Grant No. of SHGs Name of State savings No. Beneﬁciary Proposals promoted/ sanctioned released credit linked linked credit linked NORTHERN REGION 1 Haryana 109 119 16311 930.20 322.32 11072 7465 2 Himachal Pradesh 388 94 9540 532.86 188.61 20826 14447 3 Jammu & Kashmir 81 89 5939 438.62 100.35 3277 3148 4 New Delhi 7 10 1075 39.00 23.99 883 700 5 Punjab 107 137 13355 776.05 309.57 8218 4714 6 Rajasthan 611 351 52663 3763.01 1237.55 21582 15901 Sub total 1303 800 98883 6479.74 2182.39 65858 46375 NORTH EASTERN REGION 1 Arunachal Pradesh 30 42 1804 120.43 30.08 933 91 2 Assam 192 217 39323 1382.51 705.35 33785 22093 3 Manipur 19 19 1530 117.46 45.39 1591 957 4 Meghalaya 24 27 2989 179.73 36.91 1600 495 5 Mizoram 11 11 775 52.25 15.02 544 111 6 Nagaland 17 18 4445 213.50 115.26 3164 2410 7 Sikkim 8 8 560 21.00 6.02 223 111 8 Tripura 18 19 1889 81.78 14.20 1169 768 Sub total 319 361 53315 2168.66 968.23 43009 27036 EASTERN REGION 1 Andaman & Nicobar 27 33 2685 141.68 76.70 2397 1501 2 Bihar 364 378 39502 1800.50 517.18 18513 7218 3 Jharkhand 221 266 25650 1017.86 209.53 8035 3406 4 Odisha 407 492 58484 3045.67 862.93 42083 23855 5 West Bengal 346 395 72735 2375.07 1089.71 57412 36783 Sub total 1365 1564 199056 8380.78 2756.05 128440 72763 CENTRAL REGION 1 Chattisgarh 59 64 12595 914.04 273.98 7971 3293 2 Madhya Pradesh 170 197 58378 3842.05 1612.55 44594 21430 3 Uttar Pradesh 1854 1381 208520 11782.34 4521.62 169573 74733 4 Uttarakhand 374 457 36075 2252.09 488.27 20856 7438 Sub total 2457 2099 315568 18790.52 6896.42 242994 106894 WESTERN REGION 1 Goa 6 6 270 8.35 5.93 263 197 2 Gujarat 267 284 25941 596.12 223.94 17874 6686 3 Maharashtra 383 555 104790 3880.98 2648.80 93017 70748 Sub total 656 845 131001 4485.45 2878.67 111154 77631 SOUTHERN REGION 1 Andhra Pradesh 0 0 0 0.00 0.00 0 0 2 Karnataka 197 254 40759 1011.46 634.31 48819 33667 3 Kerala 51 51 10056 122.99 84.62 7149 5872 4 Tamil Nadu 98 109 23085 328.79 191.28 20932 19758 5 Telangana 0 0 0 0.00 0.00 0 0 Sub total 346 414 73900 1463.24 910.21 76900 59297 Grand total 6446 6083 871723 41768.39 16591.97 668355 389996

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 327 STATEMENT IX - K

Total Statewise Grant support sanctioned and released to all SHPIs during the year 2019-20

(Amt. R lakh) No. of No. of SHGs Sr. No. of No. of SHGs to be Grant Grant No. of SHGs Name of State savings No. Beneﬁciary Proposals promoted/ sanctioned released credit linked linked credit linked NORTHERN REGION 1 Haryana 0 0 0 0.00 31.70 780 368 2 Himachal Pradesh 8 9 675 57.92 36.44 2879 3011 3 Jammu & Kashmir 4 4 205 20.50 10.58 301 226 4 New Delhi 0 0 0 0.00 0.00 0 0 5 Punjab 3 3 1100 66.00 11.47 311 112 6 Rajasthan 0 0 0 0.00 54.83 327 961 Sub total 15 16 1980 144.42 145.02 4598 4678 NORTH EASTERN REGION 7 Arunachal Pradesh 2 2 130 8.60 3.43 114 55 8 Assam 0 0 0 0.00 13.63 89 309 9 Manipur 7 7 400 26.80 20.75 693 693 10 Meghalaya 0 0 0 0.00 2.34 59 35 11 Mizoram 0 0 0 0.00 0.08 4 2 12 Nagaland 2 3 1575 91.50 16.75 254 282 13 Sikkim 0 0 0 0.00 0.00 0 0 14 Tripura 0 0 0 0.00 1.02 51 0 Sub total 11 12 2105 126.90 58.00 1264 1376 EASTERN REGION 15 Andaman & Nicobar 2 2 125 8.10 2.26 283 64 16 Bihar 0 0 0 0.00 0.00 0 0 17 Jharkhand 0 0 0 0.00 2.45 11 31 18 Odisha 0 0 0 0.00 48.49 474 1107 19 West Bengal 0 0 0 0.00 149.92 1593 1768 Sub total 2 2 125 8.10 203.12 2361 2970 CENTRAL REGION 20 Chattisgarh 0 0 0 0.00 24.75 597 277 21 Madhya Pradesh 4 6 1900 190.00 236.82 9200 2559 22 Uttar Pradesh 17 19 2100 205.00 141.89 3349 973 23 Uttarakhand 0 0 0 0.00 54.38 1772 469 Sub total 21 25 4000 395.00 457.84 14918 4278 WESTERN REGION 24 Goa 0 0 0 0.00 0.00 0 0 25 Gujarat 0 0 0 0.00 0.00 0 0 26 Maharashtra 0 0 0 0.00 77.29 987 1773 Sub total 0 0 0 0.00 77.29 987 1773 SOUTHERN REGION 27 Andhra Pradesh 0 0 0 0.00 0.00 0 0 28 Karnataka 0 0 0 0.00 2.98 49 24 29 Kerala 0 0 0 0.00 0.00 0 0 30 Tamil Nadu 0 0 0 0.00 0.00 0 0 31 Telangana 0 0 0 0.00 0.00 0 0 Sub total 0 0 0 0.00 2.98 49 24 Grand total 49 55 8210 674.42 944.25 24177 15099

328 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - X

Statewise Grant support sanctioned and released to Anchor NGOs (Promotional & Capacity building) under Women Self Help Group Scheme (in LWE affected and backward districts) as on 31 March 2020 (Amt. R lakh) Grant Grant released No.of SHGs to No.of SHGs No.of Districts sanctioned (WSHG No.of SHGs Sr. No. Name of State be promoted/ promoted & covered for WSHG Promotional credit linked credit linked savings linked Promotion & Capacity Building etc) CENTRAL REGION 1 Chattisgarh 10 1168.50 615.46 11685 11513 5996 2 Madhya Pradesh 9 1142.50 860.50 11425 9839 4197 3 Uttar Pradesh 8 1290.00 368.44 12900 13026 2352 4 Uttarakhand 2 533.00 257.10 5330 5139 2962 Sub total 29 4134.00 2101.50 41340 39517 15507 EASTERN REGION 1 Andaman & Nicobar 0 0.00 0.00 0 0 0 2 Bihar 16 1700.00 1560.14 17000 16178 16110 3 Jharkhand 18 4900.00 2199.50 49000 40446 17047 4 Odisha 19 1861.50 1280.45 18615 15471 7675 5 West Bengal 6 1319.00 1081.40 13190 12904 9907 Sub total 59 9780.50 6121.49 97805 84999 50739 NORTH EASTERN REGION 1 Arunachal Pradesh 2 148.90 11.25 1489 323 26 2 Assam 4 132.00 103.60 1320 1062 532 3 Manipur 2 76.70 22.55 767 691 88 4 Meghalaya 2 100.00 51.49 1000 1518 349 5 Mizoram 2 145.00 57.52 1450 1600 337 6 Nagaland 2 50.00 7.49 500 275 0 7 Sikkim 2 95.00 37.61 950 720 152 8 Tripura 2 100.00 48.56 1000 996 517 Sub total 18 847.60 340.07 8476 7185 2001 NORTHERN REGION 1 Haryana 2 300.00 194.70 3000 2842 1463 2 Himachal Pradesh 2 295.50 319.35 2955 2934 2782 3 Jammu & Kashmir 3 200.00 48.50 2000 1642 190 4 New Delhi 0 0.00 0.00 0 0 0 5 Punjab 1 180.00 74.75 1800 1178 683 6 Rajasthan 4 710.00 390.14 7100 7279 4444 Sub total 12 1685.50 1027.44 16855 15875 9562 SOUTHERN REGION 1 Andhra Pradesh 8 698.50 1165.34 6985 25237 24274 2 Karnataka 2 300.00 305.04 3000 6948 3010 3 Kerala 2 220.00 205.39 2200 2368 1399 4 Tamil Nadu 2 192.90 172.27 1929 1255 781 5 Telangana 8 750.50 1074.49 7505 9093 8285 Sub total 22 2161.90 2922.53 21619 44901 37749 WESTERN REGION 1 Goa 1 38.70 37.58 387 343 191 2 Gujarat 3 375.00 94.91 3750 3968 1742 3 Maharashtra 6 1414.90 1194.47 14149 14188 11676 Head Ofﬁce, Mumbai 4 0 - 103.14 - - - (Administrative Charges) Sub total 10 1828.60 1430.10 18286 18499 13609 Grand Total 150 20438.10 13943.13 204381 210976 129167

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 329 STATEMENT -XI

Bank Loan Disbursed and Outstanding - Joint Liability Groups as on 31 March 2020

(Amt. R lakh) Cumulative Cumulative Cumulative Cumulative No. of JLGs No. of JLGs Loan disbursed Loan Disbursed No. of JLGs Loan disbursed Sr. No. Name of the State promoted promoted as on as on as on during 2019-20 promoted as on as on as on during 2019-20 31.03.2019 31.03.2019 31.03.2020 31.03.2020 CENTRAL REGION 1 Chhattisgarh 90920 115700.90 78967 130970.28 169887 246671.18 2 Madhya Pradesh 286946 380309.74 237976 433168.92 524922 813478.66 3 Uttarakhand 24507 33908.87 21039 34327.82 45546 68236.69 4 Uttar Pradesh 269742 320574.02 354107 668680.79 623849 989254.81 Total 672115 850493.53 692088 1267147.81 1364203 2117641.34 EASTERN REGION 5 Andaman & Nicobar 595 870.11 1 1.28 596 871.39 6 Bihar 507542 658040.48 558450 1078040.77 1065992 1736081.25 7 Jharkhand 65779 94719.42 149179 277032.05 214958 371751.47 8 Odisha 548204 751956.83 326813 565216.79 875017 1317173.62 9 West Bengal 567625 425204.90 377180 668500.08 944805 1093704.98 Total 1689745 1930791.74 1411623 2588790.97 3101368 4519582.71 NORTH EASTERN REGION 10 Arunachal Pradesh 6 16.41 3 7.66 9 24.07 11 Assam 151330 193591.10 53758 81474.58 205088 275065.68 12 Manipur 2936 2417.51 1586 2537.17 4522 4954.68 13 Meghalaya 1777 2836.75 761 1158.79 2538 3995.54 14 Mizoram 2598 4047.66 859 1662.82 3457 5710.48 15 Nagaland 1646 2166.90 5 11.50 1651 2178.40 16 Sikkim 2847 3299.45 925 1405.33 3772 4704.78 17 Tripura 55007 42499.26 14976 21612.92 69983 64112.18 Total 218147 250875.04 72873 109870.77 291020 360745.81 NORTHERN REGION 18 Chandigarh 10 2.81 0 0.00 10 2.81 19 Haryana 52529 81603.74 101954 188804.95 154483 270408.69 20 Himachal Pradesh 5580 6222.10 2844 4952.48 8424 11174.58 21 Jammu and Kashmir 7329 6950.40 1141 1006.76 8470 7957.16 22 New Delhi 4968 6929.28 12193 21265.93 17161 28195.21 23 Punjab 91333 136803.13 99191 187388.71 190524 324191.84 24 Rajasthan 212532 268432.73 244399 464183.04 456931 732615.77 Total 374281 506944.19 461722 867601.87 836003 1374546.06 SOUTHERN REGION 25 Andhra Pradesh 210254 233617.92 20920 48181.39 231174 281799.31 26 Karnataka 436201 670598.92 322399 633909.22 758600 1304508.14 27 Kerala 229201 480538.53 337960 635884.41 567161 1116422.94 28 Lakshadweep UT 0 0.00 0 0.00 0 0.00 29 Puducherry 2147 3600.21 475 826.35 2622 4426.56 30 Tamil Nadu 640005 1383213.26 397820 1289697.30 1037825 2672910.56 31 Telangana 54568 95120.38 10298 15823.68 64866 110944.06 Total 1572376 2866689.22 1089872 2624322.35 2662248 5491011.57 WESTERN REGION 32 DAMAN and DIU UT 3 4.59 2 2.73 5 7.32 33 D and N HAVELI UT 0 0.00 1 0.30 1 0.30 34 Goa 9692 13415.28 2137 3888.22 11829 17303.50 35 Gujarat 194161 234061.44 104115 192274.06 298276 426335.50 36 Maharashtra 345880 521739.70 345067 656395.49 690947 1178135.19 Total 549736 769221.01 451322 852560.80 1001058 1621781.81 Grand Total 5076400 7175014.73 4179499 8310294.57 9255899 15485309.30

330 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” STATEMENT - XII - A

Agencies having outstanding Revolving Fund Assistance (RFA) as on 31 March 2020

(Amt. R lakh) Sl. No. Name of the Agency State Legal Form Sanctioned Disbursed Outstanding (1) (2) (3) (4) (5) (6) 1 Payakaraopeta Womens MAC Andhra pradesh Coop Soc 500.000 500.000 350.000 2 Post ofﬁce (Tamil Nadu) Tamil Nadu NA 100.000 100.000 10.620 TOTAL = A 600.000 600.000 360.620

STATEMENT - XII - B

Agencies having outstanding Capital support as on 31 March 2020 (Amt. R lakh) Sl. No. Name of the Agency State Legal Form Sanctioned Disbursed Outstanding (1) (2) (3) (4) (5) (6) 1 Ajiwika Society Jharkhand Society 50.00 50.00 45.08 2 Bharat Integrated Social Welfare Agency (BISWA) Orissa Society 100.00 100.00 97.00 3 Community Development Centre (CDC), Tamil Nadu Trust 100.00 100.00 60.00 Genguvarpatti 4 Guidance Society for Labour and Orphan Tamil Nadu Society 40.00 40.00 19.60 Womens (GLOW) Vellur 5 ISHARA Foundation Uttar Pradesh Sec 25 Co. 100.00 100.00 55.00 6 Jaago Samajik Arthik and Harit Vikas Sangathan Uttar Pradesh Sec 25 Co. 25.00 25.00 22.50 7 Liberal Association for Movement of People West Bengal Society 50.00 50.00 30.00 (LAMP) 8 Payakaraopeta Women's MACS (PWMACS) Andhra Pradesh Society 50.00 50.00 30.00 TOTAL = B 515.00 515.00 359.18 Grand Total of Revolving Assistance (XII -A) + Capital Support (XII-B) = 1151.00 1151.00 719.80

STATEMENT - XII - C

Long Term Reﬁnance Sanctioned and Disbursed to NBFC-mFIs - 2019-20

(Amt. R crore) Refinance Refinance Refinance Sl. No. Name of NBFC-MFI State Legal Form Outs.as on Sanctioned Disbursed 31.03.2020 1 Chaitanya India Fin Credit Pvt. Ltd. Karnataka Company 45.00 45.00 38.25 2 Credit Access Gramin Limited Karnataka Company 600.00 600.00 1407.50 3 Samasta Microfinance Limited Karnataka Company 150.00 150.00 135.00 4 Satin Creditcare Network Ltd. Madhya Pradesh Company 500.00 500.00 878.10 5 S. V. Creditline Pvt. Ltd. Madhya Pradesh Company 30.00 30.00 37.50 6 Annapurna Financial Services Ltd. Odisha Company 100.00 100.00 179.20 7 Asirwad Microfinance Ltd. Tamil Nadu Company 250.00 250.00 415.15 8 Madura Microfinance Ltd. Tamil Nadu Company 50.00 50.00 151.88 9 Fusion Micro Finance Pvt. Ltd. Uttar Pradesh Company 300.00 200.00 286.00 10 Sonata Microfinance Ltd. Uttar Pradesh Company 125.00 125.00 117.50 11 Margdarshak Financial Services Pvt. Ltd. Uttar Pradesh Company 0.00 0.00 1.00 12 Arohan Financial Services Ltd. West Bengal Company 300.00 300.00 408.05 13 Village Financial Services Pvt. Ltd. West Bengal Company 0.00 0.00 62.65 14 Muthoot Microfin Limited Kerala Company 110.00 110.00 543.50 15 Midland Microfin Limited Punjab Company 0.00 0.00 33.35 16 Namra Finance Limited Gujarat Company 0.00 0.00 19.25 Grand Total 2560.00 2460.00 4713.88

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 331 GLOSSARY / ABBREVIATIONS

S.No. Abbreviation Full Form 1 AFRACA African Rural and Agricultural Credit Association 2 ALIDE Latin American Association of Development Financing Institutions 3 APMAS Andhra Pradesh Mahila Abhivruddi Sangham 4 APRACA Asia-Pacific Rural and Agricultural Credit Association 5 APY Atal Pension Yojana 6 BC Business Correspondent 7 BF Business Facilitator 8 BIRD Bankers Institute of Rural Development 9 BPL Below Poverty Line 10 BRLPS Bihar Rural Livelihoods Promotion society 11 CGAP Consultative Group to Assist Poor 12 CIC Credit Information Company 13 CICA Confédération Internationale du Crédit Agricole 14 CLF Cluster Level Federation 15 CRFIM Centre for Research on Financial Inclusion and Microfinance 16 CSP Customer service Point 17 CSR Corporate Social Responsibility 18 DCCB District Central Cooperative Bank 19 DEAR Department of Economic Analysis and Research 20 DFIBT Department of Financial Inclusion & Banking Technology 21 DFS Department of Financial Services 22 FAO Food and Agriculture Organization 23 FI Financial Inclusion 24 FIF Financial Inclusion Fund 25 FPO Farmers' Producer Organization 26 GOI Government of India 27 IFAD International Fund for Agriculture Development 28 IFAD International Fund For Agricultural Development 29 IMEF India Microfinance Equity Fund 30 IRV Individual Rural Volunteer 31 JAM Jan Dhan Yojana, Aadhaar, Mobile 32 JLG Joint Liability Group 33 JLPI Joint Liability Groups Promoting Institution 34 KCC Kisan Credit Card 35 KVK Krishi Vigyan Kendra 36 LEDP Livelihood and Enterprise Development Programme 37 LWE Left Wing Extremism 38 MCID Micro Credit Innovations Department 39 MEDP Micro Enterprise Development Programme 40 MFDEF Micro Finance Development and Equity Fund 41 MFI Micro Finance Institution 42 MFIN Microfinance Institutions Network 43 MNC Multi National Company 44 MoA & FW Ministry of Agriculture and Farmers’ Welfare 45 MoRD Ministry of Rural Development

332 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” S.No. Abbreviation Full Form 46 MoU Memorandum of Understanding 47 MoWCD Ministry of Women and Child Development 48 MUDRA Micro Units Development & Reﬁnance Agency Ltd 49 MYRADA Mysore Resettlement and Development Agency 50 NABARD National Bank for Agriculture and Rural Development 51 NABFINS Nabard Financial Services Limited 52 NBFC Non-Banking Financial Company 53 NBFC-MFI Non-Banking Financial Company - Micro Finance Institution 54 NENARACA Near East - North Africa Regional Agricultural Credit Association 55 NFS Non Farm Sector 56 NGO Non Governmental Organization 57 NPA Non Performing Asset 58 NPCI National Payments Corporation of India 59 NRLM National Rural Livelihood Mission 60 NULM National Urban Livelihoods Mission 61 P2P Peer to Peer 62 PACS Primary Agricultural Credit Society 63 PIA Programme Implementation Agency 64 PMFBY Pradhan Mantri Fasal Bima Yojana 65 PMJDY Pradhan Mantri Jan Dhan Yojana 66 PMJJBY Pradhan Mantri Jeevan Jyoti Bima Yojana 67 PMSBY Pradhan Mantri Suraksha Bima Yojana 68 RBI Reserve Bank of India 69 RFA Revolving Fund Assistance 70 RFI Rural Financial Institution 71 RRA Rapid Rural Appraisal 72 RRB Regional Rural Bank 73 RSETI Rural Self Employment Training Institute 74 SCB Scheduled Commercial Bank 75 SDG Sustainable Development Goal 76 SEBI Securities and Exchange Board of India 77 SFB Small Finance Bank 78 SFMC SIDBI Foundation for Micro Credit 79 SGSY Swarna-Jayanti Gram Swarojgar Yojna 80 SHG-BLP Self Help Group Bank Linkage programme 81 SHPI Self Help Groups Promotion Institution 82 SIDBI Small Industries Development Bank of India 83 SKDRDP Shri Kshethra Dharmasthala Rural Development Project 84 SRLMS State Rural Livelihood Mission 85 SSE Social Stock Exchange 86 STCB State Cooperative Bank 87 TSP Techinical Service Provider 88 USP Unique Selling Point or Unique Selling Proposition 89 VLP Village Level Programmes 90 WSHG Women Self Help Groups

“SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” 333 NOTES

334 “SHGS, SAVING FOR THE PRESENT, SECURING THE FUTURE” Acknowledgements:

OVERALL GUIDANCE Shri P V S Suryakumar, Deputy Managing Director Smt Rajashree K. Baruah, CGM & Shri Mithilesh Kumar, GM

TEAM LEADER Smt Prafulla T Kurien, DGM

CONTENT TEAM Dr. Nandini Ghosh, DGM; Dr. Ashutosh Kumar, DGM-DEAR Smt Didla Sumana, Shri Rajesh Bhosle, AGMs Kum Bhawna Jain, Manager Smt M Vasudha, Assistant Manager Shri V S Dalvi, SSDA, Shri V N Khandalgaonkar, SSDA (BWP)

SUPPORTED BY Smt Usha Iyer, AGM; Shri Mangesh S Kulkarni & Smt Riktika M Mukherjee, Managers; Shri Saad Bin Afroz, AM-DEAR, Shri Kamal Saini, AM

Team MCID at various NABARD Regional Offices Banks and Financial Institutions STATUS OF MICROFINANCE IN INDIA

amï´r` H¥ {f Am¡a J«m_rU {dH mg ~¡¨H National Bank For Agriculture And Rural Development

STATUS OF MICROFINANCE IN INDIA 2019 -20