i nc lu s i ve f i nanc e i nd i a re port 2014
86
declined in the western region over this period which has
been made up for by the central region. The shares of
most regions, however, has remained largely unchanged,
including that of the southern region even though it
continues consistently to have the majority of the SHG
loan accounts with banks.
As for the changes in regional distribution, the share of
the southern states continued to increase both in number
of SHGs covered and the amount of loans disbursed (64
per cent and 86 per cent, respectively) during 2013–14.
The position of the western and eastern regions too
improved while the share of the northern, north-eastern
and central regions experienced a decline during this
period. The north-eastern states which reported 50 per
cent decline during 2012–13 in the number of SHGs
receiving loans recorded a further decline of 36 per cent.
The average loan amount disbursed during 2013–14 was
about Rs. 175,768 per SHG. It ranged from Rs. 50,783
in the eastern region to Rs. 235,718 in the southern
region.
Table 4.6 presents the state-wise shares in fresh loans
disbursed to SHGs during 2012–13 and 2013–14. The
picture that emerges is mixed with several leading states
continuing to display an increase in SHG disbursements
(both in terms of number of SHGs and loan amounts
disbursed) and others experiencing a decline. Tamil Nadu,
Kerala and UP are among the major states that had fewer
SHG disbursements during 2013-14 as compared to the
previous year (see Appendix 4.3).
As for loan disbursement to SHGs considerable varia-
tions are to be observed across the 10 leading states. Table
4.6 shows the number of SHGs with loans outstanding
to banks as on 31 March 2013 and 31 March 2014 as
also the disbursement of loans to SHGs in the respective
T
ABLE
4.5
Regional Share in Linkage—SHGs with Outstanding Loans
Region
2010
2011
2012
2013
2014
Groups
% share
Groups % share
Groups % share
Groups % share
Groups % share
Northern
152,491
3.1
149,108
3.1
212,041
4.9
213,955
4.8
183,929
4.4
North-Eastern
133,785
2.8
150,021
3.1
159,416
3.7
143,660
3.2
124,569
3.0
Eastern
1,027,570
21.2
1,105,533
23.1
985,329 22.6
1,020,656 22.9
978,960
23.3
Central
497,922
10.3
358,872
7.5
352,452
8.1
362,521
8.1
419,834
10.0
Western
457,476
9.4
316,821
6.6
289,472
6.6
295,451
6.6
269,008
6.4
Southern
2,582,112
53.2
2,706,408
56.5
2,355,732 54.1
2,415,191 54.3
2,221,038
52.9
All
4,851,356
100
4,786,763
100
4,354,442
100
4,451,434 100
4,197,338
100
Source
: NABARD (2010 to 2014).
T
ABLE
4.6
Number of SHGs with Loan Outstanding and Loan Disbursements by Major States (in Rs. billion)
State
Loan outstanding
Loan disbursement
2013
2014
2013
2014
Andhra Pradesh
1,356,720
1,306,076
484,292
504,351
Tamil Nadu
511,859
446,671
150,586
135,269
West Bengal
494,166
472,554
95,284
196,746
Odisha
277,954
249,550
47,676
53,699
Karnataka
379,305
337,196
145,733
175,778
Bihar
185,309
190,171
30,574
40,036
Maharashtra
219,651
204,355
54,749
72,908
Uttar Pradesh
228,646
246,973
33,140
27,674
Kerala
153,336
117,303
60,830
55,281
Madhya Pradesh
65,358
81,030
15,182
22,331
Source
: NABARD (2013 and 2014).
