40
S
tate
of
I
ndia
’
s
L
ivelihoods
R
eport
2015
For the landless, skill training and placement
in jobs is carried out directly by the project
staff or through the Rural Self Employment
Training Institutes (RSETIs). NRLM thus
has an elaborate institutional architecture
to create institutions for the poor and to
ensure flow of finance to meet needs of the
members of SHGs. The financial inclusion
vision of NRLM is much clearer than its
livelihood approach.
Over the last four years in which NRLM
has been functional, a number of achieve-
ments have been reported (Table 3.6).
At present, (August 2015), NRLM
covers 398 districts and 2,756 blocks. 2.4
million SHGs have been formed covering
more than 27.8 million households. The
programme has been supported by the
World Bank through its National Rural
Livelihoods Project (NRLP). NRLP’s aim
is to intensively support implementation
of NRLM in 100 districts and 400 blocks
of 12 high poverty states and to create best
practice sites and local immersion locations
for NRLM to build on. The reported credit
mobilisation is very high, given the fact that
in most states the SHGs are in their initial
years. The credit facilitated in erstwhile AP
for many years for a number of groups had
been the highest in the country across states.
AP’s data on credit provides an exaggerated
picture of credit flow.
The progress during 2014–15 has been
slower and the Ministry in its Outcome
Budget commented that there had been a
delay in transition of states to NRLM and
they were in the process of establishing
systems for fund disbursal in intensive
blocks. Funds were primarily provided to
new/revived SHGs that had received initial
capacity building. A large number of SHGs
in the non-intensive blocks had also been
assisted and the information pertaining to
them would be tracked after the establish-
ment of management information system
(MIS) in these blocks. Under NRLM, the
targets are defined in terms of SHGs and the
households of SHG members. The concept
of assisting individual Swarozgari has been
discontinued in favour of concerted focus
on groups.
Although the target for assisting new
SHGs has been achieved (Table 3.7), the
targets for facilitation of bank loans to
SHGs has not been achieved to a significant
extent. Regarding skilling of youth and
placing them in jobs, the progress has been
tardy. Only one- third of the target was
met in 2013–14. In 2014–15, the target has
Table 3.6:
Progress since Inception till March 2015
i.
Number of districts where implementation has started 352
ii.
Number of blocks where implementation is underway 2,639
iii.
Number of SHGs promoted
21.7 lakhs
iv.
Households covered
250 lakh
v.
Number of Village Organisations (VOs) formed
1.3. lakh (10–20 SHGs per V.O)
vi.
Number of Cluster Level Federations (CLFs) formed 2,829 (25–40 VOs per CLF)
vii. Total amount of Revolving Fund released to SHGs
`
243 crore
viii. Total amount Community Investment Fund released
`
400 crore
ix.
Total amount of credit mobilised
`
63,950 crore
Source:
Excerpted from ‘Achievements of the Ministry of Rural Development’ 2015, GoI.
Table 3.7:
Targets and achievements
Deliverable
Target (lakhs)
Achievement (lakhs)
Share of AP, Telangana, Tamil Nadu, Kerala and Karnataka
2013–14 2014–15 2013–14
2014–15
2014–15
Number of new SHGs assisted
1.87
1.00
1.03
1.15
SHGs facilitated for bank credit
–
16.92
–
10.39
6.97 (67%)
Amount of bank credit (
`
crore)
28,851
21,396
17,750 (82%)
Rural youth to be skill trained
4.00
2.10
1.37
0.51
–
Rural youth to be placed
1.58
0.29 (Nov 2014)
Women farmers’ coverage
under MKSP
–
24.50
–
32.22
29.08 (90%, (Tamil Nadu is not part of this)
Source:
Outcome Budget 2014–15, MoRD, GoI, 2015.
