i nc lu s i ve f i nanc e i nd i a re port 2014
88
potential households covered by SHGs by 31 March
2014 were Bihar, Jharkhand, Uttar Pradesh and Madhya
Pradesh.
The average savings per SHG in Chhattisgarh as on
31 March 2014 was Rs. 16,341, the highest among
the priority states. This was followed by West Bengal at
Rs. 13,764. Average savings per SHG for Chhattisgarh
and West Bengal were higher than the national average
SHG savings of Rs. 13,322. Average savings per SHG
for all other priority states continued to be considerably
lower than the national average. Average savings per SHG
for Assam were Rs. 3,957, which was the lowest among
the priority states.
4.3.2 Number of Loans Disbursed
West Bengal topped the priority states in terms of
number of loans disbursed during the period 2011 to
2014. Though the number of loans consistently declined
in the state during 2010–11 through 2012–13, it more
than doubled in 2013–14. Chhattisgarh followed with
a 71 per cent increase in the loans disbursed during the
same period. Madhya Pradesh registered improvement in
the number of loans disbursed to SHGs from 2010–11
to 2013–14, while Assam experienced decline in both
2012–13 and 2013–14.
4.3.3 Amount of Loans Disbursed
The highest amount of loans was disbursedbyMaharashtra
in 2011–12 (Rs. 6,018 million), 2012–13 (5,781
million) and 2013–14 (7,181 million). Chhattisgarh,
which disbursed the least amount throughout 2010–11
to 2012–13, registered the highest growth rate of
59 per cent in 2013–14. Jharkhand experienced the
steepest decline (54 per cent) and remained in the last
position among the priority states. Assam too witnessed
continuous decline over the previous years.
Average loan disbursed per SHG in 2013––14 was
the highest in Uttar Pradesh (Rs. 124,622), followed by
Rajasthan (Rs. 111,793). However, none of the priority
states achieved the national average for loan disbursed
per SHG, which was Rs.175,768. West Bengal which
topped the priority states in number of loans disbursed
in 2013–14, had the smallest average loan size among all
the priority states (Rs. 34,825).
4.3.4 Loan Outstanding
The highest amount of loan outstanding as on 31 March
2014 was in West Bengal (Rs. 21,785 million), followed
by Uttar Pradesh (Rs. 19,369 million) and the least was
in Chhattisgarh (Rs. 2,155 million). Madhya Pradesh,
T
ABLE
4.8
Potential for SHGs in Priority States
State
Total number
Districts with
Districts with
Potential
% of potential
of districts
SHG numbers
SHG numbers
Households
Households
less than 50%
less than 80%
to be covered
covered**
of potential*
of potential*
(million)
(as on 31.3.2014)
Assam
27
4
17
4.40
84
Bihar
38
27
35
7.27
48
Chhattisgarh
18
3
12
2.72
53
Jharkhand
24
13
20
2.38
47
Madhya Pradesh
50
23
40
6.37
32
Maharashtra
33
9
22
9.70
93
Odisha
30
1
2
2.32
290
Rajasthan
33
7
23
4.45
75
Uttar Pradesh
75
47
68
13.44
37
West Bengal
18
0
2
10.40
74
Source
: NABARD (2013, 2014).
Note
: *Savings-linked versus SHG potential. Data as reported by SLBC/DLCCs; ** No. of Savings-linked SHGs × 13 HH members.
