[ 30 ]
“SHG
S
,
SAVING
FOR
THE
PRESENT
,
SECURING
THE
FUTURE
”
The share of RRBs in quantum of credit disbursement to SHGs stood at 30%, about 27% more
than the previous year. Further, the number of SHGs provided credit support also increased
by 18.5%. The average loan disbursement by RRBs during the year was
R
2,08,290 increasing
from
R
1,94,833 during last year. The share of Cooperative Banks both in number of SHGs
provided bank loan during the year as well as the quantum of loan disbursed declined in 2016-
17 as compared to previous year. The average loan per SHG provided by Cooperatives was
R
1,28,097, marginally increasing from
R
1,27,894 in the previous year. Bank-wise details of
loans disbursed during the year under SHG-BLP are given in Statement I-B.
The number of SHGs having loan outstanding as on 31 March 2017 increased in case of RRBs
and Commercial Banks, however, the increase was more prominent in case of RRBs (18.7%).
Commercial Banks accounted for about two thirds of the bank loan outstanding under SHG-
BLP. The average loan outstanding in case of Commercial Banks was
R
1,44,809 where as it
was
R
1,18,622 in case of RRBs and
R
66,966 in case of Cooperative Banks. Bank-wise details of
loans outstanding at the end of financial year 2016-17 under SHG-BLP are given in Statement
I-C.
The overall NPA rate in bank loan to SHGs was 6.5% during 2016-17 near about the level in
the previous year. The Commercial Banks as well Cooperative Banks have witnessed a rise in
NPAs over the previous year while there was a fall by 114 basis points for RRBs (Figure 4.11).
Table 4.4
AGENCY-WISE STATUS OF SHG-BLP IN 2016-17
Total Savings of
SHGs with Banks as
on 31 March 2017
Loans disbursed
to SHGs by Banks
during the year
Total Outstanding
Bank Loans against
SHGs
NPAs
No. of
SHGs
No. of
SHGs
No. of
SHGs
Savings
Amount
Loans
disbursed
Loans
outstand-
ing
Amount
of Gross
NPA
NPA (%)
Category of
Agency
Commercial Banks
% Share
Regional Rural Banks
% Share
Cooperative Banks
% Share
Total
3866847
62.8
1911991
31.0
379292.2
6.2
6158130
4444428
51.8
2586318
30.2
1546129
18.0
8576875
1017002
63.1
363176
22.5
231244
14.4
1611423
1116442
58.8
557540
29.4
224138
11.8
1898120
2429702
62.7
1161300
29.9
287113
7.4
3878116
267030
55.1
161184
33.2
566141
11.7
484828
6.83
5.47
8.33
6.5
264112
66.0
104500
26.1
31607
7.9
400219
