PRC Meeting

1
PRC Meeting Date 8th July 2015
2
Need for an integrated poverty reduction approach

• Large number of initiatives of M/oRD M/oDWS
  for rural poor. MHRD and M/oHFW have SSA and
  NRHM. M/o WCD has ICDS.
• Many schemes being implemented with varying
  effectiveness.
• No integrated poverty reduction plan for
  households that addresses the multiple dimensions
  of poverty livelihood plan of SHG members under
  NRLM limited to NRLM interventions.
• Need for individual household and Panchayat level
  integrated poverty reduction plan
• Schemes for employment, housing, skills, roads,
  livelihoods, drinking water, sanitation,
  watersheds, credit linkage, community
  mobilization, elementary education, primary
  health, nutrition, etc to be part of integrated
  planning.
• SECC, 2011 finalised excluded, mandatorily
  included and relative deprivation households
  mapped.

3
Proposed Planning Process mandatory use of SECC
data

• Start the planning process in 2015-16 under NRLM
  with the objective of preparing Gram Panchayat
  Poverty Reduction Plan and Integrated poverty
  reduction approach for household.
• All Panchayats taken up under intensive
  approach of NRLM to be the pacesetters for this
  approach.
• SECC data would be the basis of planning and
  tracking in social mobilization phase.
• Conjunctive use of resources under programmes
  of various Ministries and Panchayat untied grants
  ( Rs. 488 per capita as per 14th Finance
  Commission)
• Households for mandatory inclusion (Households
  without shelter, destitute, manual scavengers,
  PVTGs, legally released bonded labourers) as top
  priority 16.48 lakh households as per SECC.

4
Proposed Planning Process mandatory use of SECC
data

• Link NRLM SHGs integrally with PRIs for
  improving transparency, accountability and
  leakages in implementation.
• Integrating MIS to focus on monitoring of poor
  households NPR TIN number as identity.
• If approach found successful, cover all Gram
  Panchayats through a phased planning process.
• Same set of financial resources will give better
  results.
• Households with poverty will get monitored over
  the years.
• Demonstrative impact of selected Gram Panchayats
  making a difference on other Panchayats.

5
Review of the programmeFinancial Management
6
Financial Progress under NRLM - 2014-15

(Rs. In Crore)

(Rs. in Crore)
State OB (01.04.2014) Central Release Total Available Fund (T.A.F) Expenditure (2014-15) of Expenditure w.r.t TAF Closing Balance (31.03.2015)
Andhra Pradesh 19.85 13.65 38.63 20.56 53.23 18.07
Gujarat 36.27 43.28 10.46 24.17 32.82
Haryana 12.91 19.33 17.33 89.65 2.00
Jammu Kashmir 16.43 37.50 63.28 45.61 72.08 17.67
Jharkhand 109.49 128.61 31.70 24.65 96.91
Karnataka 22.33 4.72 36.42 18.51 50.82 17.91
Madhya Pradesh 57.52 62.53 32.20 51.50 30.32
Punjab 11.19 14.15 6.77 47.84 7.38
Tamil Nadu 166.97 8.26 186.48 161.34 86.52 25.13
Uttar Pradesh 1005.91 208.48 38.59 18.51 169.89
Assam 126.28 136.06 29.53 21.70 106.53
Manipur 2.02 2.07 2.07 100.00 0.00
Mizoram 2.02 0.64 2.80 2.80 100.00 0.26
Tripura 11.39 8.64 4.15 48.00 4.49
TAF also includes State share (except Karnataka
and TN) released and miscellaneous receipts.
7
Financial Progress -NRLM - 2014-15
(Rs. In Crore)
State OB (01.04.2014) Central Release Total Available Fund (T.A.F) Expenditure (2014-15) of Expenditure w.r.t TAF Closing Balance (31.03.2015)
Bihar 373.57 692.50 383.27 55.35 309.23
Chhattisgarh 50.47 57.90 13.42 18.07 44.47
Himachal Pradesh 7.84 8.05 4.25 52.84 3.80
Kerala 6.65 6.77 25.20 25.17 99.87 0.03
Maharashtra 120.64 126.46 96.84 76.57 29.63
Odisha 134.23 165.41 45.28 27.38 120.12
Rajasthan 24.39 35.31 5.54 15.70 29.76
Uttarakhand 13.22 15.71 3.23 20.53 12.48
West Bengal 16.56 20.16 41.33 39.90 96.55 1.43
Arunachal Pradesh 3.35 3.35 0 0 3.35
Meghalaya 9.60 10.72 2.15 20.08 8.56
Nagaland 6.68 1.85 9.23 9.23 100. 0.0
Sikkim 1.08 1.08 0 0 1.08
TAF also includes State share(except Nagaland)
released and miscellaneous receipts. Reports for
14-15 from Arunachal and Sikkim still awaited.
8
Financial Progress under NRLP during 2014-15
(Rs. In Crore)
State OB (01.04.2014) Central Release Total Available Fund (T.A.F) Expenditure (31.03.2015) of Expenditure w.r.t TAF Closing Balance (31.03.2015)
Assam 71.33 71.32 50.64 71.00 20.68
Gujarat 10.11 20.46 37.39 20.35 54.43 17.04
Jharkhand 18.93 57.79 94.60 84.51 89.33 10.09
Karnataka 11.22 8.30 19.80 19.24 97.23 0.56
Madhya Pradesh -2.08 105.60 145.17 139.96 96.41 5.21
Tamil Nadu 31.19 25.35 64.98 43.74 67.32 21.23
Uttar Pradesh 34.54 34.54 17.99 52.08 16.55
TAF also includes State share (except
Karnataka) released and miscellaneous receipts.
9
Financial Progress under NRLP during 2014-15
(Rs. In Crore)
State OB (01.04.2014) Central Release Total Available Fund (T.A.F) Expenditure (31.03.2015) of Expenditure w.r.t TAF Closing Balance (31.03.2015)
Bihar 87.16 109.10 355.71 204.04 57.36 151.67
Chhattisgarh 15.80 32.55 56.91 40.96 71.97 15.95
Maharashtra 62.46 15.16 78.19 60.93 77.91 17.26
Odisha 33.46 42.46 32.10 75.61 10.35
Rajasthan 17.05 17.05 6.51 38.17 10.54
West Bengal 29.29 36.17 77.52 48.57 62.66 28.86
TAF also includes State share released (except
Bi MH) and miscellaneous receipts.
10
Slow Utilisation of NRLM Funds

• Telangana, Jammu Kashmir, Kerala, West Bengal,
  Tamilnadu and Mizoram have been released 1st
  instalment under NRLM during 2015-16.
• Release of 1st instalment of 2015-16 for Andhra
  Pradesh, Haryana, MP, HP and U.P. are under
  process.
• Nagaland has received the 2nd instalment last
  year on the condition that the shortfall in State
  share will be released by the State Government
  before release of 1st instalment of Central share
  during the current year. This condition is yet to
  be fulfilled.
• Four States viz. Bihar, Gujarat, Jharkhand and
  Rajasthan who have taken the first instalment of
  2012-13 and have not submitted proposal for
  release of funds thereafter utilizing 60 of
  available funds.
• There are 11 States viz. Chhattisgarh,
  Maharashtra, Odisha, Punjab, Uttarakhand,
  Arunachal Pradesh, Assam, Manipur, Meghalaya,
  Sikkim and Tripura who have taken the first
  instalment of 2013-14 and have not submitted
  proposal for release of funds thereafter
  utilizing 60 of available funds

11
Slow Utilisation of NRLP Funds

• 1st instalment of 2015-16 NRLP funds has been
  released to Chhattisgarh, Jharkhand, Kerala,
  Madhya Pradesh and Tamilnadu.
• Release 1st instalment of 2015-16 for Assam,
  Gujarat, Maharashtra, Uttar Pradesh and West
  Bengal under process.
• Rajasthan was released Rs.14.94 Crore during
  2012-13. Thereafter the State has not come up for
  next instalment after utilizing 60 of available
  funds.
• Proposal for 1st instalment of 2015-16 to Bihar
  will be processed only when the State Government
  transfers the last Central release of 2014-15 to
  the SRLM.
• Proposal from Karnataka is expected by 10th July,
  15

12
Financial Management Related Issues

• Very low utilisation of N.R.L.M funds has
  resulted in drastic cut in N.R.L.M. budget.
• Audit Report for 2013-14 is still awaited from
  Arunachal, Manipur and Sikkim.
• All SRLMs to ensure submission of 2014-15 Audit
  Report by September, 2015 without fail.
• From F.Y. 2014-15, SRLMs to submit separate Audit
  Report and Financial statements separately for
  NRLP, NRLM, Interest Subvention, RSETI, MKSP and
  SARAS.
• IUFR for the quarter ended 30th June, 2015 to be
  submitted by 31st July, 2015 without fail.

13
Financial Management Related Issues

• States need to ensure placement of FM and
  Accounts personnel at all levels
• Bihar, Chhattisgarh, Jharkhand, Madhya Pradesh,
  Maharashtra and Tamil Nadu are holding regular FM
  review meetings with the Districts. Other SRLMs
  should introduce such monitoring system to
  strengthen its internal control mechanism.
• Implementation of Tally based FMS is operational
  only in Jharkhand, Chhattisgarh, Maharashtra and
  Madhya Pradesh. Other States should expedite the
  process of implementation.
• Deficit in RSETI budget, if any, to be met from
  the IB/CB Component of NRLM funds to the extent
  of 10 of IB/CB budget.
• SRLMs to ensure participation of their respective
  State Finance unit Officials at all the
  bi-monthly FM review meetings of NMMU.

14
Financial Management Related Issues

• Utilization of Grants-in-Aid for Interest
  Subvention (Category II)
• First instalment released to all the SRLMs in
  2013-14.
• None of the SRLMs have come up for next
  instalment except Andhra Pradesh, Telangana and
  Karnataka.
• SRLMs should submit status report on disbursement
  of Interest Subvention to the eligible SHGs duly
  supported by Utilisation Certificate and Audit
  Report.

15
Institution Building
16
Implementation Status
S.No Activity Progress
1 States/UTs Transited to NRLM 29
2 Households Mobilised 2.7 Crore
3 Total blocks Entered 2619
4 Resource Blocks 113
5 SHGs Promoted 26,74,541

• 18 States implementing RB strategy
• States yet to initiate RB strategy - Arunachal
  Pradesh, Manipur, Sikkim and Uttarakhand

17
Challenges and Way Forward

• Need for strategy for creation of internal CRPs
  on larger scale for enabling faster coverage of
  districts/blocks under N.R.L.M.
• Need for forging partnerships with existing SHPIs
  for faster coverage
• Need for non-intensive strategy for undertaking
  basic N.R.L.M. activities in non intensive areas
• Formation and strengthening of Village
  Organizations (VO)
• Formation of Cluster Level Federations (CLF)
  where at least 5-6 VOs are formed and receiving
  facilitation support over 6 months.

18
Community Funds

• Pace of RF CIF disbursement could be improved
  in most blocks
• MCP process to be simplified
• Steps towards smoothening fund flow to community
  institutions CIF releases to VOs/CLFs based on
  triggers so that these institutions appraise and
  release CIF to SHGs on their own
• Making training infrastructure available for
  implementation of trainings at village/cluster
  and block/district level

19
Social Inclusion and Social DevelopmentIncluding
the Poorest Vulnerable, Health, Nutrition
Sanitation
20

Social Inclusion

• SRLM- NMMU Joint Review and Planning of all pilot
  projects Viz., PVTG, AHT, PwD, Elderly and other
  vulnerable groups
• WB, Jharkhand, Bihar, Chhattisgarh, Telangana,
  Tamilnadu and Kudumbashree for elderly inclusion
• Chhattisgarh and Jharkhand SRLMs for
  demonstrating full model on disability
  inclusion
• AHT pilots Jharkhand, Maharashtra, Karnataka,
  AP and Kerala
• PVTG Attappady
• Persons in unhygienic occupations Maharashtra
• PRI-CBO convergence pilots in 7 States (Assam,
  Karnataka, Maharashtra, Odisha, Jharkhand,
  Gujarat and Rajasthan)
• National workshop working with tribal
  communities proposed in September at Attapady
  for reflecting on Attappady and learnings from
  other models

21
Mainstreaming Social Inclusion/Social Development

• Mobilizing all vulnerable communities together
  to be the strategy, viz., PwDs, Elderly, Single
  women, chronically sick, destitute, etc., in all
  blocks where VO is one year old.
• VOs with more than one year of existence to
  mobilise all poor, vulnerable and marginalised
  households in their villages
• Mainstreaming Gender sensitization and social
  action
• Handbook on Mainstreaming Social Inclusion
  within the NRLM framework will be developed by
  NMMU
• Integrating Social Inclusion in IB-CB
• Implement/support in convergence with NHM, ICDS,
  PDS and Swachh Bharat Abhiyan

22
Financial InclusionSHG-Bank Linkage Interest
Subvention
23
SHG Credit Target and Achievement (2014-15)
Amount in Rs Cr
S.No States UTs Target Target Achievement Achievement Achievement () Achievement ()
S.No States UTs Total SHGs Total Loan Amount Total SHGs Total Loan Amount Total SHGs Total Loan Amount
1 WEST BENGAL 1,43,435 1018.8 129,392 1118.65 90 100
2 MAHARASHTRA 40,900 300 40,999 527.78 100 100
3 ODISHA 50,000 500 43,523 515.25 87 100
4 BIHAR 1,65,865 941 30,843 216.65 19 23
5 RAJASTHAN 14,500 77.5 13,335 132.85 92 100
6 CHATTISGARH 15,000 80 8,912 109.79 59 100
7 ASSAM 59,000 350 8,828 79.19 15 23
8 PUDUCHERRY     1,353 34.73 NA NA
9 JHARKHAND 35,000 200 3,144 34.43 9 17
10 HIMACHAL PRADESH 8,000 48 1,314 23.38 16 49
11 GOA     304 10.94 NA NA
12 UTTARAKHAND 9,000 45 362 3.22 4 7
13 ARUNACHAL PRADESH 500 2.5 14 0.3 3 12
14 SIKKIM 1,000 5 58 0.27 6 5
15 MEGHALAYA 2,500 12.5 3 0.05 0.12 0.4
  ALL INDIA 16,92,825 28851.80 1,039,835 21396.81 61 74
24
SHG Credit Target and Achievement (2014-15)
Amount in Rs Cr
S.No States UTs Target Target Achievement Achievement Achievement () Achievement ()
S.No States UTs Total SHGs Total Loan Amount Total SHGs Total Loan Amount Total SHGs Total Loan Amount
1 ANDHRA PRADESH 281438.00 9214.00 181311.00 5796.04 64 63
2 TAMIL NADU 300000.00 6000.00 147441.00 3835.34 49 64
3 TELANGANA 184887.00 5373.00 122430.00 3550.47 66 66
4 KARNATAKA 225000.00 2925.00 198485.00 3514.89 88 120
5 GUJARAT 17800.00 132.00 14861.00 140.73 83 107
6 MADHYA PRADESH 35000.00 500.00 12785.00 121.05 37 24
7 UTTAR PRADESH 2000.00 10.00 5278.00 86.01 264 860
8 ASSAM 59000.00 350.00 8828.00 79.19 15 23
9 JHARKHAND 35000.00 200.00 3144.00 34.43 9 17
10 HARYANA 7500.00 45.00 919.00 10.41 12 23
11 JAMMU KASHMIR 4000.00 20.00 1600.00 9.34 40 47
12 PUNJAB 4000.00 20.00 313.00 4.87 8 24
13 TRIPURA 1500.00 7.50 816.00 4.22 54 56
14 MANIPUR 1000.00 5.00 84.00 0.79 8 16
15 MIZORAM 1500.00 7.50 4.00 0.09 0 1
  ALL INDIA 16,92,825 28851.80 1,039,835 21396.81 61 74
25
Issues in SHG Bank Linkage

• Loan Amount less than Rs 50000 per SHG
• Large unutilized amount in CC a/c
• Non-renewal of Cash Credit Limit account
• High incidence of non-repayments by SHGs

26
Loan a/c Less than Rs 50000
S.No States UTs Cash Credit Cash Credit Cash Credit Term Loan Term Loan Term Loan Total No of A/c with less than Rs 50000
S.No States UTs No of accounts Amount (Rs Lakhs) Avg Amount per SHG (Rs) No of accounts Amount (Rs Lakhs) Avg Amount per SHG (Rs) Total No of A/c with less than Rs 50000
1 WEST BENGAL 7612 2,010.84 26417 582 98.24 16880 8194
2 ODISHA 4205 1,138.61 27078 964 287.69 29843 5169
3 MAHARASHTRA 2056 530.94 25824 1760 688.84 39139 3816
4 CHATTISGARH 2253 317.04 14072 60 16.55 27583 2313
5 BIHAR 1871 117.56 6283 37 11.81 31919 1908
6 RAJASTHAN 1000 226.23 22623 357 102.93 28832 1357
7 KERALA 546 140.39 25712 488 164.79 33768 1034
8 UTTARAKHAND 204 37.77 18515 8 1.70 21250 212
9 HIMACHAL 31 5.18 16710 115 26.42 22974 146
10 SIKKIM 35 9.37 26771 1 0.41 41000 36
11 PUDUCHERRY 10 1.42 14200 7 1.98 28286 17
12 GOA 2 0.00 0 10 0.10 1000 12
13 NAGALAND 1 0.25 25000 - - - -
  ALL INDIA 53463 8,182.46 15304.90 14945 4,915.02 32887.38 68408
27
Loan a/c Less than Rs 50000
S.No States UTs Cash Credit Cash Credit Cash Credit Term Loan Term Loan Term Loan Total No of A/c with less than Rs 50000
S.No States UTs No of accounts Amount (Rs Lakhs) Avg Amount per SHG (Rs) No of accounts Amount (Rs Lakhs) Avg Amount per SHG (Rs) Total No of A/c with less than Rs 50000
1 KARNATAKA 10769 834.50 7749 6526 2,183.69 33461 17295
2 TELANGANA 8228 133.15 1618 26 7.67 29500 8254
3 TAMIL NADU 2176 637.70 29306 2130 707.78 33229 4306
4 ANDHRA PRADESH 3694 337.10 9126 157 47.57 30299 3851
5 UTTAR PRADESH 2439 593.91 24351 98 27.68 28245 2537
6 ASSAM 1639 397.53 24254 476 130.78 27475 2115
7 MADHYA PRADESH 1501 157.85 10516 542 213.90 39465 2043
8 GUJARAT 1189 165.82 13946 200 81.98 40990 1389
9 JHARKHAND 727 138.16 19004 60 11.80 19667 787
10 HARYANA 182 26.93 14797 23 5.83 25348 205
11 TRIPURA 91 22.69 24934 9 2.05 22778 100
12 J K 18 4.44 24667 58 19.52 33655 76
13 PUNJAB 45 10.18 22622 19 5.60 29474 64
14 MANIPUR 3 1.10 36667 23 5.34 23217 26
15 PUDUCHERRY 10 1.42 14200 7 1.98 28286 17
16 MIZORAM 1 0.25 25000 0 0.00   1
  ALL INDIA 53463 8,182.46 15304 14945 4,915 32887 68408
28
Unutilized Amount in Cash Credit A/c
Amount in Rs Cr
S.No States UTs Total CC Accounts Cumulative DP Outstanding Amount Amount to be withdrawn
1 WEST BENGAL 1,00,279 1152.40 819.37 333.04
2 KERALA 28,537 745.79 461.20 284.59
3 ODISHA 59,412 706.13 474.15 231.98
4 BIHAR 49,663 300.84 106.13 194.71
5 CHATTISGARH 15,430 184.43 63.96 120.48
6 MAHARASHTRA 24,597 257.97 188.18 69.80
7 RAJASTHAN 7,236 58.13 31.04 27.09
8 PUDUCHERRY 1,139 27.09 14.71 12.38
9 UTTARAKHAND 1,458 6.82 2.07 4.75
10 HIMACHAL PRADESH 560 8.85 4.16 4.69
11 GOA 228 9.94 8.06 1.89
12 SIKKIM 129 0.86 0.39 0.47
13 MEGHALAYA 67 0.24 0.01 0.24
14 NAGALAND 20 0.20 0.09 0.11
15 ARUNACHAL PRADESH 13 0.24 0.15 0.10
  ALL INDIA 12,87,005 30516.62 18663.11 11853.51
29
Unutilized Amount in Cash Credit A/c
Amount in Rs Cr
S.No States UTs Total CC Accounts Cumulative DP Outstanding Amount Amount to be withdrawn
1 ANDHRA PRADESH 3,87,104 11917.8 8185.2 3732.5
2 TELANGANA 2,78,964 7590.4 5035.6 2554.8
3 KARNATAKA 1,45,130 3850.6 1958.1 1892.4
4 TAMIL NADU 88192 2431.8 1108.7 1323.1
5 MADHYA PRADESH 18450 141.7 49.5 92.2
6 GUJARAT 19098 161.9 76.9 85.0
7 UTTAR PRADESH 11208 66.4 22.5 43.8
8 ASSAM 10260 64.0 33.5 30.5
9 JHARKHAND 3678 31.2 12.1 19.1
10 HARYANA 1034 8.5 3.6 4.9
11 PUNJAB 415 4.1 1.7 2.4
12 TRIPURA 643 2.7 1.3 1.4
13 MANIPUR 89 0.6 0.2 0.4
14 JAMMU KASHMIR 47 0.3 0.1 0.2
  ALL INDIA 12,87,005 30516.62 18663.11 11853.51
30
Incidence of non-repayment
Amount in Rs Cr
S.No States UTs No. of Loan A/cs Amount Outstanding (Rs Cr) Irregular Accounts Irregular Accounts Irregular Accounts Irregular Accounts
S.No States UTs No. of Loan A/cs Amount Outstanding (Rs Cr) No. of Accounts of Accounts overdue Amount of Overdue (Rs Cr) of overdue amount against outstanding
1 MEGHALAYA 529 3.11 487 92 2.64 85
2 NAGALAND 1,384 8 1,106 80 5.21 62
3 ARUNACHAL PRADESH 1,572 4 1,252 80 2.16 61
4 RAJASTHAN 26,282 177 14,902 57 88.21 50
5 ODISHA 161374 1424.34 93,483 58 666.17 47
6 SIKKIM 311 2.1707 135 43 0.84 39
7 HIMACHAL PRADESH 4,907 38 3,007 61 13.92 37
8 UTTARAKHAND 12,286 66 5,235 43 23.40 36
9 BIHAR 101896 504.23 36,497 36 151.88 30
10 CHATTISGARH 27,184 165 10,558 39 47.51 29
11 MAHARASHTRA 93,433 854 38,909 42 202.07 24
12 PUDUCHERRY 2,674 33 791 30 6.43 20
13 GOA 1,142 18 489 43 2.78 15
14 WEST BENGAL 196716 1444.37 41,598 21 204.37 14
15 KERALA 95,048 1,383 31,832 33 141.05 10
ALL INDIA 2634618 34249.86 861494 32 4845.92 14
31
Incidence of non-repayment
Amount in Rs Cr
S.No States UTs No. of Loan A/cs Amount Outstanding (Rs Cr) Irregular Accounts Irregular Accounts Irregular Accounts Irregular Accounts
S.No States UTs No. of Loan A/cs Amount Outstanding (Rs Cr) No. of Accounts of Accounts overdue Amount of Overdue (Rs Cr) of overdue amount against outstanding
1 MANIPUR 1431 6.48 1199 84 4.73 73
2 MIZORAM 58 0.82 42 72 0.48 59
3 TRIPURA 3965 30.53 1776 45 17.99 59
4 JHARKHAND 22785 179.05 17055 75 105.05 59
5 UTTAR PRADESH 45571 491.26 26460 58 245.10 50
6 HARYANA 6159 63.83 3470 56 31.74 50
7 PUNJAB 3463 25.84 2239 65 10.26 40
8 MADHYA PRADESH 34588 222.61 14869 43 86.39 39
9 JK 2807 9.93 1748 62 3.66 37
10 PUDUCHERRY 2674 32.92 791 30 6.43 20
11 TAMIL NADU 274472 3302.53 93616 34 598.28 18
12 KARNATAKA 339429 4350.53 167164 49 679.00 16
13 GUJARAT 32253 133.97 7904 25 17.42 13
14 TELANGANA 429122 7032.92 77445 18 522.16 7
15 ANDHRA PRADESH 678887 12036.24 147662 22 859.95 7
ALL INDIA 2634618 34249.86 861494 32 4845.92 14
32
SHG Credit Target (2015-16)
Logic Applied for Calculation of Credit Targets
Category States The logic applied
A States, where no. of SHGs are more and SHG Bank Programme is in advanced stage Andhra Pradesh Telangana Tamil Nadu Karnataka Kerala West Bengal Maharashtra 5 increase in no. of SHGs linked and 50 increase in amount over the average achievement during last two years.
B States implementing NRLP, Intensive, and Resource block strategy or performed well during last two years Odisha Madhya Pradesh Bihar Chhattisgarh Assam Gujarat Jharkhand Rajasthan Uttar Pradesh Haryana Himachal Pradesh JK Nagaland Pondicherry. 15 increase in no. of SHGs linked and 30 increase in amount over the average achievement during last two years.
33
Category States The logic applied
C States having small number of SHGs and geographically difficult areas Arunachal Pradesh Manipur Meghalaya Mizoram Punjab Sikkim Tripura Uttrakhand Goa. 5 increase in no. of SHGs linked and 10 increase in amount over the average achievement during last two years.
NB Achievement figures as reported on SHG Bank
Linkage Portal
34
SHG Credit Target (2015-16)
Amount in Rs Cr
S.No States UTs Target Target
S.No States UTs Total SHGs Total Loan Amount
1 KERALA 42500 1330
2 WEST BENGAL 95200 1230
3 MAHARASHTRA 38800 710
4 ODISHA 50000 580
5 BIHAR 35500 230
6 RAJASTHAN 15400 160
7 CHATTISGARH 10300 140
8 HIMACHAL PRADESH 1800 30
9 PUDUCHERRY 1900 30
10 UTTARAKHAND 1500 10
11 GOA 320 1
12 NAGALAND 600 8
13 MEGHALAYA 300 1.5
14 SIKKIM 100 0.5
15 ARUNACHAL PRADESH 100 0.5
  ALL INDIA 1166620 29872
35
SHG Credit Target (2015-16)
Amount in Rs Cr
S.No States UTs Target Target
S.No States UTs Total SHGs Total Loan Amount
1 ANDHRA PRADESH 280000 9770
2 TELANGANA 188000 6150
3 TAMIL NADU 150000 4420
4 KARNATAKA 176000 4310
5 MADHYA PRADESH 35000 300
6 GUJARAT 17100 140
7 UTTAR PRADESH 8000 140
8 JHARKHAND 3600 40
9 HARYANA 1100 20
10 JK 1800 9
11 PUNJAB 500 6
12 ASSAM 10200 100
13 TRIPURA 600 3.5
14 MIZORAM 300 1.5
15 MANIPUR 100 0.5
  ALL INDIA 1166620 29872
36
Proposed Actions

• Prepare an inventory of eligible SHGs for Linkage
• Closely monitor every stage of the process of
  preparing and submission of application to bank
  branch
• Position Bank Sakhi with all bank branches in
  intensive blocks
• Monitor disbursal of loans, renewals of CC limit,
  withdrawal of the sanctioned DP, NPA through
  reports placed on bank linkage portal
• Regularize the DLCC sub-committee and BLBC
  meeting
• Disburse interest subvention to eligible SHGs in
  Category-II districts
• Ensure insurance of all SHG members their
  spouses under PM Jeevan Jyoti Yojna and PM
  Surakhsa Bima Yojna Enroll eligible members
  under Atal Pension scheme

37
HR Management
38
HR Status (Group I, as on 30 June 2015)
S. No State Positions Approved Positions Filled Positions Filled (In ) Remarks
1. Bihar 7714 5041 65
2. Chhattisgarh 213 117 55 HR for Expansion
3. Maharashtra 642 448 70
4. Odisha 1923 421 22 TRIPTI HR
5. Rajasthan 316 253 80
6. West Bengal 368 208 57
7. Arunachal Pradesh 17 4 24 To recruit
8. Himachal Pradesh 50 36 72
9. Meghalaya 51 33 65
10. Nagaland 319 166 52
11. Uttarakhand 50 36 72
Total 11663 6763 58
39
HR Status (Group II, as on 30 June 2015)
S. No. State Positions Approved Positions Filled Positions Filled (In ) Remarks
1 Assam 476 308 65
2. Gujarat 476 308 65
3. Jharkhand 596 487 82
4. Karnataka 181 150 83
5. Madhya Pradesh 912 818 90
6. Tamil Nadu 4550 2214 49
7. Uttar Pradesh 273 185 68 HR for Expansion
8. Haryana 137 114 83
9. Jammu Kashmir 195 41 21
10. Mizoram 34 27 79
11. Manipur 27 3 11 To recruit
12. Punjab 63 54 86
13. Tripura 142 44 31
Total 8062 4753 63
40
HR Management in SRLMs

• Filling up all required positions, including FM,
  Accounts and MIS personnel, in a time bound
  manner
• N.M.M.U. to support HR Process Package roll-out
  (three states initially, subsequently based on
  demand)
• N.M.M.U. will be developing a model PMS, GRM and
  Anti Sexual Harassment Policy and support states
  in customising the same to their needs and its
  roll-out
• Developing Staff CB Architecture, including state
  resource pools
• Taking Community Cadres as Mission staff (BMMU,
  DMMU etc.)

41
Farm Livelihoods
42
MKSP Progress Summary
S. No Particulars Total
1 No. of states covered 15
2 No. of Projects sanctioned till date 58
3 Number of Districts 118
4 Number of Blocks 1,066
5 No. of Gram Panchayats 2,385
6 Revenue Villages 19,202
7 No. of Mahila Kisan covered (Targeted) 24,64,293
8 No. of Mahila Kisan covered (Achieved) 32,22,435
9 No. of Producer Groups functional 57394
10 Total No. of CRPs trained and deployed 24083
11 No. of Mahila Kisan per CRP deployed 132
43
MKSP- State wise Summary
STATE No. of PIAs Total central outlay (Cr) No. of Mahila Kisans covered (till May15)
AP 13 Zilla Samakhyas 1 AAP 136.99 1374459
Assam 1 (Consortium of NGOs) 12.67 4200
Bihar 3 (BRLPS1 AAP 1 NGO) 87.08 103662
Chhattishgarh 1 NGO 2.24 550
Gujarat 1 (GLPC with NGO partners) 15.62 18586
Jharkhand 8 NGOs 13.58 12928
Karnataka 3 NGOs 18.35 17419
Kerala 3 (Kudumbashree COMPT AAP) 78.69 267813
Maharashtra 1 NGO 4.37 3265
MP 3 NGOs 24.78 33226
Odisha 7 (6 NGOs 1 Consortium of NGOs) 28.88 15932
Rajasthan 1 (Consortium of NGOs) 8.43 15155
Telangana 9 Zilla Samakhyas 80.43 1290295
WB,Chhattisgarh,Jharkhand,Odisha,Maharashtra (Multi state project CSB-with PRADAN BAIF) 39.11 11716
West Bengal 1 NGO 10.13 53229
  Total 561.35 3222435
44
Coverage Ultra-Poor strategy (2015-16)
S. No Name of State Year of intervention No. of District No. of Blocks Number of clusters (Already started) Number of cluster (to be start from Kharif 2015) Total no. of villages to be covered
1 Chhattisgarh 2014 5 5 4 6 50
2 Jharkhand 2014 3 5 3 10 65
3 Rajasthan 2014 8 8 4 16 100
4 MP 2014 4 4 4 4 40
5 J K 2014 2 2 1 2 15
6 Maharashtra 2015 3 3   6 30
7 West Bengal 2015 2 2   4 20
8 Haryana 2015 4 4   8 40
45
Implementation Issues

• As per the MKSP guidelines a Committee at the
  State level, headed by the Secretary (RD) of the
  State is to be constituted who will be
  responsible for reviewing and monitoring the
  Project/s. states to comply
• The State Committee shall have participation from
  Forest and Environment, tribal development and
  Women and Child Development Departments. The
  Committee shall undertake quarterly reviews with
  the PIAs
• All SRLMs to transit to Annual Action Plan (AAP)
  route for MKSP
• All SRLMs to prepare a scaling up plan for
  livelihoods interventions

46
Rationale for SRLMs for AAP route

• SRLMs to own the MKSP Projects
• State would be capacitated to take up all
  processes of MKSP starting from appraisal to
  monitoring
• Successful sustainable models under MKSP should
  be scaled up by SRLMs
• States which have adequately trained human
  resources should transit to annual action plan
  (AAP) route under MKSP

47
Annual Action Plan route for MKSP

• Readiness indicators for SRLMs
• Positioning of livelihoods team at state,
  district and block level.
• Livelihoods team has undergone well designed and
  detailed induction trainings in consultation with
  NRLM.
• Transition to AAP route
• Submission of annual action plan in the template
  prescribed by NRLM
• Appraisal process by SRLMs
• Approval by Empowered Committee (EC)

48
Action Points for SRLMs

• The States need to put in place district and
  Block level teams for livelihoods verticals.
• States to undertake bi-monthly review meeting and
  field visits with the MKSP partners
• SRLM representatives are to attend MKSP review
  meeting organized by NMMU.
• More due diligence is desired from SRLMs on the
  MKSP projects forwarded to NMMU especially
  desk/field appraisal
• SRLMs to address the issues related with fund
  release to MKSP PIAs and follow terms and
  conditions of sanction letter for timely fund
  release to the PIAs.

49
Action points for SRLMs

• Actively promote convergence with MGNREGA and
  other programs
• Identify and train a large pool of livelihoods
  CRPs from the existing interventions-MKSP, Ultra
  Poor Strategy etc.
• Build livelihoods organization around key
  livelihoods (SHGs and their Federation will not
  be enough)
• Develop value chains of key commodities
• Network with markets
• Promote ICT-enabled platforms as strong support
  structure

50
Non Farm Livelihoods
51
Intervention Objectives

• Provide targeted help to SHG members to generate
  income from off farm activities
• Move to the next level of helping create demand
  for credit through livelihood options.

52
Area of focus for implementation

• The Startup Village Entrepreneurship Programme
  (SVEP) has been launched.
• Now the focus shall be on the following
  activities
• Communicating the programme and its features to
  the SRLMs by organising workshops, preferably
  regional workshops.
• Build a centralised core content, which can be
  updated at periodic intervals based on feedback
  from the ground.
• Build a certification process for certifying
  Mentor Community Resource Persons Enterprise
  Promotion (CRP-EPs) and CRP-EPs.
• Create a software for doing baseline and for
  tracking performance of the promoted enterprises
  vis s vis relevant peers in the area. This
  software shall also help provide the
  entrepreneurs credit history to the bank and
  SHGs. At a later stage this can be used to
  aggregate demand and supply of the enterprises
  and can be used for joint negotiations with the
  market.
• Identify credible PIAs for the implementation of
  this program with the SRLMs.
• Work on convergence with MGNREGA, Min. of
  textiles and the skills division

53
Important outcomes of these initiatives

• Build a mechanism of a baseline survey, with a
  resource and asset map of the village and to
  measure performance of the program. Digitise the
  same and make available to all stakeholders.
• Identify best practices and identify enterprises
  and model for scaling up
• Build a cadre of trained CRP-EPs to drive change
• Use technology and CRP-EPs to provide
  hand-holding and support to the entrepreneurs.
• Build a standardised training content and also
  digitise the same to reduce transmission loss
  while scaling up.
• SRLMs to take the ownership and lead in
  implementation of the program.

54
Program guidelines

• Key features of the program.
• The program starts with a baseline and market
  potential study.
• There is a software to be developed to make the
  baseline available to all stakeholders and to
  ensure transparency and avoid duplication of
  effort.
• A mandatory 3rd party review at the end of 2
  years result focussed program.
• On going monitoring of the supported enterprises,
  using the software and the CPR-EPs.
• Drive convergence with all govt programs, so the
  rural people are made aware of the programs and
  benefit from the last mile reach of NRLM.

55
Policy Guidelines in pipeline

• Guidelines with work on value chain interventions
  in both artisanal and farm based products (farm
  output, dairy, poultry, goat etc.), with producer
  groups
• Guidelines on how to lend to producer groups
  directly, outside the SHG system.
• Convergence with the programs of other
  ministries, like textiles, MSME, minority
  affairs, tribal welfare etc.

56
Rural Self Employment Training Institutes (RSETIs)

• To introduce Biometric system of attendance in
  all the RSETIs at the earliest. From 2016-17,
  reimbursement of training cost will be linked to
  introduction of Biometric systems in the RSETIs.
• Poor progress in construction of the RSETI
  premises
• Reimbursement of training cost continues to be
  problematic in some states. The Missions to
  utilize the NRLM training capacity building funds
  for this purpose if there is any shortage of
  funds in the RSETI head.

57
Management Information System (MIS)
58
Adoption of Transaction-Based MIS

• NIC developing transaction-based MIS for NRLM
  Beta Version would be ready in two months
• All state Missions without a transaction-based
  system/have not contracted MIS agency required to
  adopt Central System and customize for state
  specific requirements if any
• Missions with functioning transaction-based MIS
  required to integrate with NIC system, using
  bridge software (AP, BIH, JHA, KER and TG)
• SRLMs need not to hire any agency for development
  of MIS which is being developed centrally
• State Missions required to institute appropriate
  transaction data collection, validation and
  uploading protocols using front-end devices
  (Tablet PCs)
• Missions are advised to ensure that MIS
  professionals are hired at the state level 10
  states (Assam, Karnataka, Kerala, Telangana,
  Himachal Pradesh, JK, Arunachal Pradesh,
  Manipur, Meghalaya and Sikkim) do not have MIS/IT
  professionals

59
Completion of SHG Directory

• All state Missions advised to complete/update
  profiles of all SHGs on the National portal with
  full and latest member details by July 2015
• SHG profiles to indicate member/leader details,
  SHG bank account number, SECC 2011 household
  number of each member, mobile number etc
• States with a large number of pre-existing SHGs
  (e.g. West Bengal) advised to upload profiles of
  all SHGs promoted/revived
• State Missions required to ensure that there is
  no variation between SHGs uploaded on the
  National portal and those reported in MPRs
• Profile of VOs and CLFs are required to upload in
  NRLM-MIS portal

60
Monthly Progress Reports

• All state Missions required to adhere to the MPR
  submission protocols
• Frequent delays observed in respect of Odisha,
  JK, Rajasthan and Bihar
• Andhra Pradesh and Telangana required to share
  validated MPR data
• MPR based analytics placed on the portal not
  optimally used by Missions
• Mission units required to use analytics for
  performance reviews and decision-making

61
Fund Disbursement Tracking

• Mission units required to use fund disbursement
  module on NRLM-MIS portal for transferring legacy
  information pertaining to RF/CIF disbursed to
  SHGs
• Henceforth, RF/CIF disbursement to CBOs should be
  done through online Proposal Submission Module
  being developed by NIC
• All SRLMs required to track SHG monthly
  transactions through Central NRLM-MIS

62

• Thank You