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average per group loan outstanding was recorded by Andhra Pradesh
(
R
2.31 lakh) followed by Karnataka (
R
1.25 lakh), while it was lowest in
tribal States of Jharkhand and Chhattisgarh at
R
0.36 and
R
0.37 lakh per
group, respectively.
Southern Region continued its dominance in share of bank loan outstanding
position in terms of number of SHGs (25.4 lakh, 52.4%) and quantum of
bank loan outstanding (
R
46,650 crore, 75.75%) as on 31 March 2017.
Even though the number of SHGs with credit outstanding remained almost
same as previous year, there was 8% rise in outstanding amount in Southern
Region. There is 19% rise in number of SHGs with credit outstanding
and 26% rise in outstanding amount in case of Eastern Region over the
previous year. Region-wise status of bank loan outstanding to SHGs during
past three years is given in Table 4.3. The State-wise details of bank loan
outstanding are given in Statement V.
NPAs IN SHG-BLP
NPAs under bank loans to SHGs during 2016-17
were 6.50%, near about the level of previous year 6.45%. However, the
absolute NPA amount witnessed a rise of 8.6% during 2016-17, from
R
3,686 crore in 2015-16 to
R
4,002 crore. The ratio of loan outstanding to
loan disbursement during 2016-17 under SHG-BLP was 1.6 for all India, a
marginal rise from the level of 1.5 in 2015-16, which had declined from 2.1
the previous year. High ratio indicates a relatively high NPA rate and vice
versa. High outstanding joined with low disbursement implies a situation
where repayment rate is low and many of the SHGs are not eligible for
subsequent doses of loans because of overdue loans. The ratio was high at
3.3 for Central Region which had NPA rate of 23.14%, followed by North
Eastern Region at 2.9 with NPA level of 20.64%.
The overall NPA position in Eastern Region declined to 8.95% in 2016-
17 from 12.65% in 2015-16 whereas all other Regions witnessed rise in
NPA level. The fall in Eastern Region was attributed to Odisha where the
absolute NPA amount declined from
R
470 crore as on 31 March 2016
to
R
300 crore as on 31 March 2017. A marginal fall was also observed
in West Bengal, whereas in Jharkhand and Bihar the NPA amount had
gone up during the year as compared to previous year. Among other States
Rajasthan, Uttarakhand, Goa, Andhra Pradesh and North Eastern States
like Manipur, Meghalaya, Nagaland, Sikkim and Tripura have reported
lower NPA during the year as compared to previous year. Figure 4.9
portrays the NPA level of SHGs in different Regions and major States in
2016-17 and 2015-16.
4.7
