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Status of Micro Finance in India 2009-2010 Yeejle ceW met#ce efJeÊe keÀer efmLeefle - 2009-10 Status of Micro Finance in India – 2009-10 veeyee[& NABARD Commited to Rural Prosperity Head Office: C-24, ‘G’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai 400 051 - INDIA Tel.: +91 222653 0084 / Fax: +91 22 2652 8141 www.nabard.org ● e-mail: mcid@nabard.org 1 Status of Micro Finance in India 2009-2010 2 Status of Micro Finance in India 2009-2010 Preface The Self Help Group (SHG)-Bank Linkage Programme, in the past eighteen years, has become a well known tool for bankers, developmental agencies and even for corporate houses. SHGs, in many ways, have gone beyond the means of delivering the financial services as a channel and turned out to be focal point for purveying various services to the poor. The programme, over a period, has become the common vehicle in the development process, converging important development programmes. With the small beginning as Pilot Programme launched by NABARD by linking 255 SHGs with banks in 1992, the programme has reached to linking of 69.5 lakh saving-linked SHGs and 48.5 lakh credit-linked SHGs and thus about 9.7 crore households are covered under the programme, envisaging synthesis of formal financial system and informal sector. In view of the large outreach and pre-dominant position of the microFinance programme, it is important to keep a continuous track of the status, progress, trends, qualitative and quantitative performance comprehensively. To achieve this objective, Reserve Bank of India and NABARD issued guidelines in the year 2006-07 to Commercial Banks, Regional Rural Banks and Cooperative Banks to furnish data on progress under microFinance. The data so collected covers various parameters like savings of SHGs with banks, bank loan disbursed to SHGs, bank loan outstanding against SHGs, gross non performing assets of bank loans to SHGs, recovery performance of loans to SHGs. Further, the banks also furnished the data regarding bank loans provided to Micro Finance Institutions (MFIs). NABARD, has been bringing out the consolidated document annually. This booklet presents the consolidated data obtained from the banks along with preliminary analysis of the various trends and progress under microfinance sector under the two models viz., SHG – Bank Linkage model and MFI – Bank Linkage model. The data furnished by the banks have been analysed on a region-wise, state-wise, agency-wise, bank-wise and also for SHGs exclusively under Swarnajayanti Gram Swarojgar Yojana and exclusive women SHGs data in the booklet. The trend in submitting the Management Information System by banks has shown improvement. This year all 27 Public Sector Commercial Banks, 19 private sector Commercial Banks, 81 Regional Rural Banks and 318 Co-operative Banks have submitted the MIS. We thank all the banks for furnishing the data and expected that in the coming years all the remaining banks will co-operate in timely and accurate submission of data to us. The major support provided by NABARD under Micro Finance Development and Equity Fund relates to promotion and nurturing of SHGs by Self Help Promoting Institutions and training and capacity building of the stakeholders in the Sector. NABARD is also experimenting innovative projects for further developing the microFinance through Joint Liability Groups. The details in this regard are also included in this booklet. We hope that all the stakeholders under microfinance sector would use the information as input and feedback relating to the sector for bringing about policy changes and improvement in operational strategies. More analysis than what is given in the book is expected from all the microfinance players. NABARD would welcome suggestions and comments on this booklet for making it more informative and useful at all levels in microfinance sector. 3 Status of Micro Finance in India 2009-2010 4 Status of Micro Finance in India 2009-2010 Contents PARtiCulARs Highlights – SHG Bank Linkage Programme 2009-10 Micro Finance in India statement No. I I I I I -A -B -C -D -E II - A II - B II - C II - D III - A (i) III - A (ii) III - B III - C IV - A (i) IV - A (ii) IV - B IV - C V - A (i) V - A (ii) V-B VI - A (i) VI - A (ii) VI - B VI - C VII VIII IX - A IX - B IX - C IX - D IX - E X-A X-B X-C XI - A XI - B XI - C Page No. i-ii iii-xxii statements Savings of SHGs with Banks – Agency-wise position as on 31 March 2010 Bank loans disbursed to SHGs – Agency-wise loans disbursed during 2009-10 Bank loans outstanding against SHGs – Agency-wise position as on 31 March 2010 Non Performing Assets of Banks against SHGs – Agency-wise position as on 31 March 2010 Agency wise Bank Loans provided to MFIs during 2009-10 and loans outstanding as on 31 March 2010 Savings of SHGs with Banks – Region-wise / State-wise / Agency-wise position as on 31 March 2010 Bank Loans disbursed during the year – Region-wise / State-wise / Agency-wise Loans disbursed during 2009 - 2010 Bank Loans Outstanding against SHGs – Region-wise / State-wise / Agency-wise Loans Oustanding as on 31 March 2010 Non Performing Assets (NPAs) against Bank loans to SHGs – Region-wise / State-wise / Agency-wise position of NPAs as on 31 March 2010 Savings of SHGs with Public Sector Commercial Banks as on 31 March 2010 Savings of SHGs with Private Sector Commercial Banks as on 31 March 2010 Savings of SHGs with Regional Rural Banks as on 31 March 2010 Savings of SHGs with Co-operative Banks as on 31 March 2010 Bank loans disbursed by Public Sector Commercial Banks to SHGs during 2009-10 Bank loans disbursed by Private Sector Commercial Banks to SHGs during 2009-10 Bank loans disbursed by Regional Rural Banks to SHGs during 2009-10 Bank loans disbursed by Co-operative Banks to SHGs during 2009-10 Bank Loans outstanding against SHGs as on 31 March 2010 – Public Sector Commercial Banks Bank Loans outstanding against SHGs as on 31 March 2010 – Private Sector Commercial Banks Bank Loans outstanding against SHGs as on 31 March 2010 – Regional Rural Banks NPAs against Bank loans to SHGs and Recovery Performance of Public Sector Commercial Banks as on 31 March 2010 NPAs against Bank loans to SHGs and Recovery Performance of Private Sector Commercial Banks as on 31 March 2010 NPAs against Bank loans to SHGs and Recovery Performance of Regional Rural Banks as on 31 March 2010 NPAs against Bank loans to SHGs and Recovery Performance of Co-operative Banks as on 31 March 2010 Bank Loans provided to MFIs and their Non Performing Assets (NPAs) and Recovery Performance – 2009-10 NABARD Support for Training and Capacity Buliding under Microfinance Sector – 2009-10 Support to NGOs functioning as SHPIs Support to RRBs functioning as SHPI Support to Co-operative Banks Functioning as SHPI Support to IRVs for Promoting SHGs Support to Farmers Clubs Functioning as SHPI Agencies having outstanding Revolving Fund Assistance as on 31 March 2010 Agencies having outstanding Capital Support as on 31 March 2010 MFIs assisted with grant support for rating during the year 2009-2010 Special focus on the Resource Poor Regions – Savings Linked SHGs in the 13 Priority States Special focus on the Resource Poor Regions – Loans Disbursed to SHGs in the 13 Priority States Special focus on the Resource Poor Regions – Loans Outstanding against SHGs in the 13 Priority States 5 1 1 1 2 2 3 4 5 6 7 20 23 27 36 49 51 55 63 76 79 90 102 104 108 117 118 120 169 175 179 182 183 184 185 186 187 188 Status of Micro Finance in India 2009-2010 6 Status of Micro Finance in India 2009-2010 SHG – Bank Linkage Programme 2009-10 Highlights Physical Þ Total number of SHGs savings linked with banks : 69.53 lakh Þ Out of total [of which] exclusive Women SHGs : 53.10 lakh Þ Out of total [of which] -SGSY SHGs : 16.94 lakh Þ Total number of SHGs credit linked during 2009-10 : 15.87 lakh Þ Out of total [of which] exclusive Women SHGs credit linked : 12.94 lakh Þ Out of total [of which]-SGSY SHGs credit linked : 2.67 lakh Þ Total number of SHGs having loans outstanding as on 31 March 2010 : 48.51 lakh Þ Of which exclusive Women SHGs : 38.98 lakh Þ Of which-SGSY SHGs : 12.45 lakh Þ Estimated number of of families covered upto 31 March 2010 : 97 million Financial Þ Total savings amount of SHGs with banks as on 31 March 2010 : ` 6198.71 crore Þ Out of total savings of exclusive Women SHGs : ` 4498.66 crore Þ Out of total savings of SGSY SHGs : ` 1292.62 crore Þ Total amount of loans disbursed to SHGs during 2009-10 : ` 14453.30 crore Þ Out of total loans disbursed to Women SHGs : ` 12429.37 crore Þ Out of total loans disbursed to SGSY SHGs : ` 2198.00 crore Þ Total amount of loans outstanding against SHGs as on 31 March 2010 : ` 28038.28 crore Þ Out of total loans o/s against Women SHGs : ` 23030.36 crore Þ Out of total loans o/s against SGSY SHGs : ` 6251.08 crore Þ Average loan amount outstanding per SHG as on March 2010 : ` 57795 Þ Average loan amount outstanding per member as on 31 March 2010 : ` 4128 i Status of Micro Finance in India 2009-2010 Participating banks total number of banks submitted Mis Þ Commercial banks [public] : 27 Þ Foreign banks + Private banks : 19 Þ Regional Rural Banks : 81 Þ Cooperative Banks : 318 Þ Small Industries Development Bank of India : 1 support from NABARD Capacity building of partner institutions Þ Number of programmes conducted during 2009-10 : 6804 Þ Number of participants covered during 2009-10 : 2.54 lakh Þ Cumulative number of participants Trained upto March 2010 : 24.55 lakh Þ Grant support during the year 2009-10 : ` 9.93 crore Þ Cumulative fund support upto March 2010 : ` 45.02 crore Refinance support Þ Refinance to banks during 2009-10 : ` 3173.56 crore Þ Cumulative refinance released upto 31.3.2010 : ` 12861.65 crore Revolving Fund Assistance [RFA] to MFis Þ RFA released to MFIs during the year : ` 22.55 crore Þ Cumulative RFA released to MFIs upto 31 March 2010 Capital Support [CS] to MFIs : ` 55.49 crore Þ CS released to MFIs during the year : ` 7.87 crore Þ Cumulative CS released to MFIs upto 31 March 2010 : ` 24.86 crore Grant Assistance to sHPis for Promotion of sHGs Þ Grant assistance sanctioned during 2009-10 : ` 28.78 crore Þ Cumulative sanctions upto 31 March 2010 : ` 107.66 crore Þ Grant assistance for Rating of MFIs during 2009-10 : ` 15.83 lakh ii