i nc lu s i ve f i nanc e i nd i a re port 2014
90
The share of different agencies remained unchanged in
the case of loan outstanding too. The amount of bank loan
outstanding against SHGs was Rs. 429.30 billion as on
31 March 2014. Of this Rs. 293.9 billion was accounted
for by commercial banks, Rs. 110.5 billion by RRBs and
Rs. 24.9 billion by cooperative banks, representing 68
per cent, 26 per cent and 6 per cent, respectively (Table
4.10, Figures 4.7).
As can be seen from Table 4.10 the average amount of
loan outstanding by SHG account increased substantially
for all three types of financing agencies as on 31 March
2014 as compared to a year earlier.
Commercial banks had a share of 60 per cent in the
number of loans disbursed during 2012–13, followed
by regional rural banks (RRBs) at 26 per cent and
cooperative banks at 14 per cent (Table 4.11). During
2013–14 the share of commercial banks went down to
56 per cent as did the share of RRBs which came down
to 24 per cent. The cooperative banks saw their share
rise from 14 per cent to 19 per cent during 2013–14. As
far as the volume of loans disbursed was concerned, the
three agencies maintained their respective shares during
2013–14.
T
ABLE
4.10
Agency-wise Distribution of Loan Outstanding
Agency
Average loan
% share
outstanding per SHG (Rs.)
No. of SHGs
Outstanding loan amount
2013
2014
2013
2014
2013
2014
Commercial banks
100,755
117,494
59
60
68
68
Regional Rural banks
79,264
90,007
30
29
27
26
Cooperative banks
46,129
53,151
11
11
6
6
Total
88,455
102,273
100
100
100
100
Source
: NABARD (2013, 2014).
F
IGURE
4.7
Outstanding Loan Amounts of Banks with SHGs
Source
: NABARD (2014).
T
ABLE
4.11
Average Loan Disbursed by Agency
Agency
Average loan
% share in number
% share in amount
disbursed per SHG (Rs.)
of loans disbursed
of loan disbursed
2012–13
2013–14
2012–13
2013–14
2012–13
2013–14
Commercial banks
181,966
209,025
60
56
65
67
Regional rural banks
180,331
188,595
26
24
27
26
Cooperative banks
91,378
63,659
14
19
8
7
Total
168,757
175,768
100
100
100
100
Source
: NABARD (2013, 2014).
