NRLM SHG BANK LINKAGE PORTAL IMPORTANCE OF SHG

NRLM - SHG BANK LINKAGE PORTAL

IMPORTANCE OF SHG BANK LINKAGE PORTAL v Data is sourced from the CBS source of the Banks on a monthly basis – most dynamic data available in the country v Present a correct picture of the SHG-BANK linkage in the country – minimizing the layering v The data can be used by all the stakeholders - Banks, SRLMs, NRLM and NABARD For Credit Planning, Review and Augmenting the SHG-bank linkage To Monitor SHG Bank linkage progress on monthly basis. v Operationalization of Interest Subvention scheme in category II districts

Agency-wise SHG Bank Loans to SHGs (Year wise outstanding) Sl. No Agency Loans Outstanding against SHGs - Position as on 31. 3. 2012 1 Public Sector 2 31. 3. 2013 31. 03. 2014 24406. 57 25371. 18 28000. 99 Pvt. Sector 1403. 72 1268. 26 1387. 42 3 RRBs 8613. 58 10521. 23 11048. 95 4 Coop. Banks 1916. 14 2214. 63 2490. 16 36340. 00 39375. 30 42927. 52 Total Source of data: Microfinance report 2013 -14 published by NABARD

MASTER CIRCULAR ON DATA SHARING – BY RBI (RPCD. GSSD. CO. NO. 7270 -7295/09. 01. 03/2013 -14, 02. 01. 2014) Data Sharing: Every bank to share data on SHGs as per the template prescribed by NRLM. The data must directly come through CBS and must be transferred electronically to the NRLM server

DATA SHARING TEMPLATE -1 Loan data Loan SHG Type of Amount Loan (for TL) / A/c No (TL/CC) DP (for CCL) 1 2 3 Date of Loan/ Date of Review 4 Repaym Repay Availed ent ment No of Instalm Name SB SB A/C holiday Freque Villa Distric PIN IFSC capital ROI Instalm ent of the Block Accou Openin ge t code Code subsidy/ ncy ents amount SHG nt No g date Morato (M/Q/ (SGSY) rium H/Y) 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Y N

DATA SHARING TEMPLATE -2 Statement of Account Transaction Loan A/C No Date 1 2 Particulars Debit Credit Closing Balance 3 4 5 6 Branch Code or IFSC 7

1. File Format: Flat Files in Text Mode with “|” pipe symbol as column separator 2. Date Format across the whole system should be YYYY-MM-DD 3. File Naming Convention <Bank_Name>~<MMMYYYY>~<LOANS> <Bank_Name>~<MMMYYYY>~<TRANS> MMMYYYY is the month of the transactions for which the file is being sent <Loan> and <Trans> are the type of data sent in the file <Loan> - Loan Details <Trans>-Transactions related to the Loan OGB~DEC 2014~ 4. Data Sharing Mode: FTP With Credentials shared by NRLM 5. File will be processed only if it satisfies all the criteria given in the Format, else the file will not be processed and the information will be passed with the File Name through automated mailing system to corresponding bankers.

Data Sharing – Flow Chart Loan Info. Sharing Sanction Details Fetch Information Bank Acknowledgement to SHG Request send to Bank Server NRLM Server TSP database Internet Accessing Reports SHG Request loan to Bank NRLM Website

NRLM-SHG BANK LINKAGE HOME PAGE

The reports are available a) Bank wise b) geographic wise v. Bank wise: 1. For all the Banks 2. For all the Banks in the state 3. For all the Banks in the District 4. For all the Branches in the Bank. 5. For all the SHGs in the Branch. v. Geographic wise: 1. For all the states 2. For all the districts in the state 3. For all the blocks in the district 4. For all the SHGs in the block.

MONITORING ARRANGEMENTS (R: 1 -ACHIEVEMENT REPORT)

MONITORING ARRANGEMENTS (R: 2 -LOAN OUTSTANDING AND DELINQUENCY REPORT)

MONITORING ARRANGEMENTS (R: 3 -INTEREST SUBVENTION IN CAT-2 DISTRICTS)

NRLM WEB-PORTAL www. aajeevika. gov. in www. nrlmbl. aajeevika. gov. in/NRLM/UI/Shared/homepage. aspx