bu i ld i ng an i nc lu s i ve f i nanc i a l s e ctor i n i nd i a
81
better reporting standards adopted by banks by including
only operative SHG accounts.
The growth in SHG loan outstanding (9.0 per cent)
is associated with a 6 per cent decline in the number of
SHGs having outstanding loans with banks over the past
one year. This anomalous situation is apprehended to
be the result of increased non-performing assets (NPAs)
of SHG loans with banks. Indeed, as is discussed later,
NPA levels in most states have reached well in excess of
10 per cent.
Annual growth rates of the major indicators of physical
and financial progress of SBLP for the four-year period
since 2010, the year of the AP crisis, confirm the impres-
sion of stagnation and decline (Tables 4.2 and 4.3).
It is evident that both physical and financial perfor-
mance of SHGs suffered during 2010–14. In the case of
physical performance all indicators, except number of
SHGs having bank savings, experienced negative growth
as compared to the phenomenal increase during 2006–
10. There was a major deceleration in the growth rate of
SHGs receiving loans and SHGs with loan accounts. The
decline was sharper for the SGSY programme which was
winding up before lending picked up under NRLM and
other government programmes in 2013–14.
T
ABLE
4.1
Growth Trends in SHG Bank Linkage Program (SBLP)
Particulars
2010
2011
2012
2013
2014
No. of SHGs with outstanding bank loans
4,851,356
4,786,763
4,354,442
4,551,434
4,197,338
Of which in southern region
2,582,112
2,706,408
2,355,732
2,415,191
2,221,038
Share of southern region (%)
53
57
54
54
53
Share of SGSY/NRLM/Other govt. programme groups (%)
26
27
28
27
23
Share of women’s groups (%)
80
83
84
84
81
Loans disbursed to SHGs during the year (Rs. billion)
144.53
145.48
165.35
205.85
240.17
Average loan disbursed during the year per SHG (Rs.)#
91,081
121,625
144,048
168,754
175,768
Total Bank loan outstanding to SHGs (Rs. billion)
280.38
312.21
363.41
393.75
429.27
Average loan outstanding per SHG (Rs.)
57,794
65,224
83,457
88,455
102,273
Incremental groups with o/s loans (million)
0.63
(-)0.06
(-)0.43
0.10
(-)0.25
Incremental loans o/s (Rs. billion)
45.9
33.53
57.22
30.35
35.52
No. of SHGs with savings accounts with banks (million)
6.95
7.46
7.96
7.32
7.42
Total Savings of SHGs with banks (Rs. billion)
61.99
70.16
65.51
82.17
98.97
Average savings of SHGs with banks (Rs.)
8,915
9,402
8,230
11,229
13,321
Source
: NABARD (2010 to 2014).
Note
: # during the year ended 31 March.
T
ABLE
4.2
Physical Performance of SBLP
Indicator
% Change
CAGR (%)
2010–11
2011–12
2012–13
2013–14
2010–14
2006–10
Number of SHGs having savings accounts with banks
7.3
6.7
–8.1
1.5
1.7
27.5
Number of SHGs receiving loans during the year
–24.6
–4
6.3
12.0
–3.7
26.4
Number of SHGs receiving loans during the year under
SGSY/NRLM/Other govt. programmes
–9.9
–12.9
–13.8
24.7
–4.1
12.8
Number of SHGs with loan outstanding
–1.3
–9
2.2
–5.7
–3.6
18.7
a
Number of SHGs with loan outstanding under
SGSY/NRLM/govt. programmes
3.3
–5.4
–1.9
9.6
1.2
21.9
a
Source
: NABARD (2010 to 2014).
Note
: For the period 2007–10.
