PRC Meeting Date: 8 th July 2015 1. Need for an integrated poverty reduction approach Large number...

PRC Meeting

Date: 8th July 20151

Need for an integrated poverty reduction approach

•Large number of initiatives of M/oRD & M/oDW&S for rural poor. MHRD and M/oHFW have SSA and NRHM. M/o WCD has ICDS. • Many schemes being implemented with varying effectiveness. • No integrated poverty reduction plan for households that addresses the multiple dimensions of poverty – livelihood plan of SHG members under NRLM limited to NRLM interventions. •Need for individual household and Panchayat level integrated poverty reduction plan• Schemes for employment, housing, skills, roads, livelihoods, drinking water, sanitation, watersheds, credit linkage, community mobilization, elementary education, primary health, nutrition, etc to be part of integrated planning. •SE&CC, 2011 finalised – excluded, mandatorily included and relative deprivation households mapped.

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Proposed Planning Process – mandatory use of SECC data

• Start the planning process in 2015-16 under NRLM with the objective of preparing Gram Panchayat Poverty Reduction Plan and Integrated poverty reduction approach for household.

• All Panchayats taken up under intensive approach of NRLM to be the pacesetters for this approach.

• SECC data would be the basis of planning and tracking in social mobilization phase.

• Conjunctive use of resources under programmes of various Ministries and Panchayat untied grants ( Rs. 488 per capita as per 14th Finance Commission)

• Households for mandatory inclusion (Households without shelter, destitute, manual scavengers, PVTGs, legally released bonded labourers) as top priority – 16.48 lakh households as per SE&CC.

Proposed Planning Process – mandatory use of SECC data

• Link NRLM SHGs integrally with PRIs – for improving transparency, accountability and leakages in implementation.

• Integrating MIS to focus on monitoring of poor households – NPR TIN number as identity.

• If approach found successful, cover all Gram Panchayats through a phased planning process.

• Same set of financial resources will give better results. • Households with poverty will get monitored over the years. • Demonstrative impact of selected Gram Panchayats making a

difference on other Panchayats.

Review of the programme

Financial Management

Financial Progress under NRLM - 2014-15 (Rs. In Crore)

(Rs. in Crore)

StateOB (01.04.2014) Central

Release Total Available Fund

(T.A.F)Expenditure

(2014-15)% of Expenditure w.r.t

TAFClosing Balance

(31.03.2015)

Andhra Pradesh 19.85 13.65 38.63 20.56 53.23 18.07

Gujarat 36.27 43.28 10.46 24.17 32.82

Haryana 12.91 19.33 17.33 89.65 2.00

Jammu & Kashmir 16.43 37.50 63.28 45.61 72.08 17.67

Jharkhand 109.49 128.61 31.70 24.65 96.91

Karnataka 22.33 4.72 36.42 18.51 50.82 17.91

Madhya Pradesh 57.52 62.53 32.20 51.50 30.32

Punjab 11.19 14.15 6.77 47.84 7.38

Tamil Nadu 166.97 8.26 186.48 161.34 86.52 25.13

Uttar Pradesh 1005.91 208.48 38.59 18.51 169.89

Assam 126.28 136.06 29.53 21.70 106.53

Manipur 2.02 2.07 2.07 100.00 0.00

Mizoram 2.02 0.64 2.80 2.80 100.00 0.26

Tripura 11.39 8.64 4.15 48.00 4.49

* TAF also includes State share (except Karnataka and TN) released and miscellaneous receipts.

Financial Progress -NRLM - 2014-15 (Rs. In Crore)

State OB (01.04.2014) Central Release Total Available Fund (T.A.F)

Expenditure(2014-15)

% of Expenditure w.r.t TAF

Closing Balance(31.03.2015)

Bihar 373.57 692.50 383.27 55.35 309.23

Chhattisgarh 50.47 57.90 13.42 18.07 44.47

Himachal Pradesh 7.84 8.05 4.25 52.84 3.80

Kerala 6.65 6.77 25.20 25.17 99.87 0.03

Maharashtra 120.64 126.46 96.84 76.57 29.63

Odisha 134.23 165.41 45.28 27.38 120.12

Rajasthan 24.39 35.31 5.54 15.70 29.76

Uttarakhand 13.22 15.71 3.23 20.53 12.48

West Bengal 16.56 20.16 41.33 39.90 96.55 1.43

Arunachal Pradesh 3.35 3.35 0 0 3.35

Meghalaya 9.60 10.72 2.15 20.08 8.56

Nagaland 6.68 1.85 9.23 9.23 100. 0.0

Sikkim 1.08 1.08 0 0 1.08

* TAF also includes State share(except Nagaland) released and miscellaneous receipts. Reports for 14-15 from Arunachal and Sikkim still awaited.

Financial Progress under NRLP during 2014-15 (Rs. In Crore)

State OB (01.04.2014) Central Release Total

Available Fund (T.A.F)

Expenditure(31.03.2015)



Assam 71.33 71.32 50.64 71.00 20.68

Gujarat 10.11 20.46 37.39 20.35 54.43 17.04

Jharkhand 18.93 57.79 94.60 84.51 89.33 10.09

Karnataka 11.22 8.30 19.80 19.24 97.23 0.56

Madhya Pradesh -2.08 105.60 145.17 139.96 96.41 5.21

Tamil Nadu 31.19 25.35 64.98 43.74 67.32 21.23

Uttar Pradesh 34.54 34.54 17.99 52.08 16.55

* TAF also includes State share (except Karnataka) released and miscellaneous receipts.

Financial Progress under NRLP during 2014-15 (Rs. In Crore)

State OB (01.04.2014) Central Release

Total Available Fund (T.A.F)

Expenditure(31.03.2015)



Bihar 87.16 109.10 355.71 204.04 57.36 151.67

Chhattisgarh 15.80 32.55 56.91 40.96 71.97 15.95

Maharashtra 62.46 15.16 78.19 60.93 77.91 17.26

Odisha 33.46 42.46 32.10 75.61 10.35

Rajasthan 17.05 17.05 6.51 38.17 10.54

West Bengal 29.29 36.17 77.52 48.57 62.66 28.86

* TAF also includes State share released (except Bi & MH) and miscellaneous receipts.

Slow Utilisation of NRLM Funds Telangana, Jammu & Kashmir, Kerala, West Bengal, Tamilnadu and Mizoram have been

released 1st instalment under NRLM during 2015-16. Release of 1st instalment of 2015-16 for Andhra Pradesh, Haryana, MP, HP and U.P. are

under process. Nagaland has received the 2nd instalment last year on the condition that the shortfall in

State share will be released by the State Government before release of 1st instalment of Central share during the current year. This condition is yet to be fulfilled.

Four States viz. Bihar, Gujarat, Jharkhand and Rajasthan who have taken the first instalment of 2012-13 and have not submitted proposal for release of funds thereafter utilizing 60% of available funds.

There are 11 States viz. Chhattisgarh, Maharashtra, Odisha, Punjab, Uttarakhand, Arunachal Pradesh, Assam, Manipur, Meghalaya, Sikkim and Tripura who have taken the first instalment of 2013-14 and have not submitted proposal for release of funds thereafter utilizing 60% of available funds

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Slow Utilisation of NRLP Funds

1st instalment of 2015-16 NRLP funds has been released to Chhattisgarh, Jharkhand, Kerala, Madhya Pradesh and Tamilnadu.

Release 1st instalment of 2015-16 for Assam, Gujarat, Maharashtra, Uttar Pradesh and West Bengal under process.

Rajasthan was released Rs.14.94 Crore during 2012-13. Thereafter the State has not come up for next instalment after utilizing 60% of available funds.

Proposal for 1st instalment of 2015-16 to Bihar will be processed only when the State Government transfers the last Central release of 2014-15 to the SRLM.

Proposal from Karnataka is expected by 10th July, 15

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Financial Management Related Issues

• Very low utilisation of N.R.L.M funds – has resulted in drastic cut in N.R.L.M. budget.

• Audit Report for 2013-14 is still awaited from Arunachal, Manipur and Sikkim.

• All SRLMs to ensure submission of 2014-15 Audit Report by September, 2015 without fail.

• From F.Y. 2014-15, SRLMs to submit separate Audit Report and Financial statements separately for NRLP, NRLM, Interest Subvention, RSETI, MKSP and SARAS.

• IUFR for the quarter ended 30th June, 2015 to be submitted by 31st July, 2015 without fail.

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Financial Management Related Issues

• States need to ensure placement of FM and Accounts personnel at all levels• Bihar, Chhattisgarh, Jharkhand, Madhya Pradesh, Maharashtra and Tamil Nadu are

holding regular FM review meetings with the Districts. Other SRLMs should introduce such monitoring system to strengthen its internal control mechanism.

• Implementation of Tally based FMS is operational only in Jharkhand, Chhattisgarh, Maharashtra and Madhya Pradesh. Other States should expedite the process of implementation.

• Deficit in RSETI budget, if any, to be met from the IB/CB Component of NRLM funds to the extent of 10% of IB/CB budget.

• SRLMs to ensure participation of their respective State Finance unit Officials at all the bi-monthly FM review meetings of NMMU.

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Financial Management Related Issues • Utilization of Grants-in-Aid for Interest Subvention (Category –II)

• First instalment released to all the SRLMs in 2013-14.

• None of the SRLMs have come up for next instalment except Andhra Pradesh, Telangana and Karnataka.

• SRLMs should submit status report on disbursement of Interest Subvention to the eligible SHGs duly supported by Utilisation Certificate and Audit Report.

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Institution Building

Implementation Status

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• 18 States implementing RB strategy• States yet to initiate RB strategy - Arunachal Pradesh, Manipur, Sikkim and

Uttarakhand

S.No Activity Progress

1 States/UTs Transited to NRLM 29

2 Households Mobilised 2.7 Crore

3 Total blocks Entered 2619

4 Resource Blocks 113

5 SHGs Promoted 26,74,541

Challenges and Way Forward• Need for strategy for creation of internal CRPs on larger scale for enabling

faster coverage of districts/blocks under N.R.L.M.• Need for forging partnerships with existing SHPIs for faster coverage• Need for non-intensive strategy for undertaking basic N.R.L.M. activities in

non intensive areas• Formation and strengthening of Village Organizations (VO)• Formation of Cluster Level Federations (CLF) where at least 5-6 VOs are

formed and receiving facilitation support over 6 months.

Community Funds

• Pace of RF & CIF disbursement could be improved in most blocks – MCP process to be simplified Steps towards smoothening fund flow to community institutions

– CIF releases to VOs/CLFs based on triggers so that these institutions appraise and release CIF to SHGs on their own

• Making training infrastructure available for implementation of trainings at village/cluster and block/district level

Social Inclusion and Social Development

Including the Poorest &Vulnerable, Health, Nutrition & Sanitation

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• SRLM- NMMU Joint Review and Planning of all pilot projects Viz., PVTG, AHT, PwD, Elderly and other vulnerable groups WB, Jharkhand, Bihar, Chhattisgarh, Telangana, Tamilnadu and Kudumbashree for elderly

inclusion Chhattisgarh and Jharkhand SRLMs for demonstrating full model on “disability inclusion” AHT pilots – Jharkhand, Maharashtra, Karnataka, AP and Kerala PVTG – Attappady Persons in unhygienic occupations – Maharashtra PRI-CBO convergence pilots in 7 States (Assam, Karnataka, Maharashtra, Odisha, Jharkhand,

Gujarat and Rajasthan)

• National workshop “working with tribal communities” proposed in September at “Attapady” for reflecting on Attappady and learnings from other models

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Social Inclusion

Mainstreaming Social Inclusion/Social Development

• Mobilizing all “vulnerable” communities together to be the strategy, viz., PwDs, Elderly, Single women, chronically sick, destitute, etc., in all blocks where VO is one year old. VOs with more than one year of existence to mobilise all poor, vulnerable and marginalised

households in their villages

• Mainstreaming Gender sensitization and social action• Handbook on “Mainstreaming Social Inclusion” within the NRLM framework will be

developed by NMMU• Integrating Social Inclusion in IB-CB

• Implement/support in convergence with NHM, ICDS, PDS and Swachh Bharat Abhiyan

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Financial Inclusion

SHG-Bank Linkage & Interest Subvention

SHG Credit Target and Achievement (2014-15)

S.No States & UTs

Target Achievement Achievement (%)

Total SHGsTotal Loan

AmountTotal SHGs

Total Loan Amount


Amount

1 WEST BENGAL 1,43,435 1018.8 129,392 1118.65 90% 100%2 MAHARASHTRA 40,900 300 40,999 527.78 100% 100%3 ODISHA 50,000 500 43,523 515.25 87% 100%4 BIHAR 1,65,865 941 30,843 216.65 19% 23%5 RAJASTHAN 14,500 77.5 13,335 132.85 92% 100%6 CHATTISGARH 15,000 80 8,912 109.79 59% 100%7 ASSAM 59,000 350 8,828 79.19 15% 23%8 PUDUCHERRY 1,353 34.73 NA NA9 JHARKHAND 35,000 200 3,144 34.43 9% 17%

10 HIMACHAL PRADESH 8,000 48 1,314 23.38 16% 49%11 GOA 304 10.94 NA NA12 UTTARAKHAND 9,000 45 362 3.22 4% 7%13 ARUNACHAL PRADESH 500 2.5 14 0.3 3% 12%14 SIKKIM 1,000 5 58 0.27 6% 5%15 MEGHALAYA 2,500 12.5 3 0.05 0.12% 0.4% ALL INDIA 16,92,825 28851.80 1,039,835 21396.81 61% 74%

Amount in Rs Cr

SHG Credit Target and Achievement (2014-15)

S.No States & UTs

Target Achievement Achievement (%)


AmountTotal SHGs

Total Loan Amount


Amount

1 ANDHRA PRADESH 281438.00 9214.00 181311.00 5796.04 64% 63%2 TAMIL NADU 300000.00 6000.00 147441.00 3835.34 49% 64%3 TELANGANA 184887.00 5373.00 122430.00 3550.47 66% 66%4 KARNATAKA 225000.00 2925.00 198485.00 3514.89 88% 120%5 GUJARAT 17800.00 132.00 14861.00 140.73 83% 107%6 MADHYA PRADESH 35000.00 500.00 12785.00 121.05 37% 24%7 UTTAR PRADESH 2000.00 10.00 5278.00 86.01 264% 860%8 ASSAM 59000.00 350.00 8828.00 79.19 15% 23%9 JHARKHAND 35000.00 200.00 3144.00 34.43 9% 17%

10 HARYANA 7500.00 45.00 919.00 10.41 12% 23%11 JAMMU & KASHMIR 4000.00 20.00 1600.00 9.34 40% 47%12 PUNJAB 4000.00 20.00 313.00 4.87 8% 24%13 TRIPURA 1500.00 7.50 816.00 4.22 54% 56%14 MANIPUR 1000.00 5.00 84.00 0.79 8% 16%15 MIZORAM 1500.00 7.50 4.00 0.09 0% 1% ALL INDIA 16,92,825 28851.80 1,039,835 21396.81 61% 74%

Amount in Rs Cr

Issues in SHG Bank Linkage

• Loan Amount less than Rs 50000 per SHG• Large unutilized amount in CC a/c• Non-renewal of Cash Credit Limit account• High incidence of non-repayments by SHGs

Loan a/c Less than Rs 50000

S.No States & UTs

Cash Credit Term LoanTotal No of

A/c with less than Rs 50000

No of accounts

Amount (Rs Lakhs)

Avg Amount per SHG (Rs)

No of accounts

Amount (Rs Lakhs)


1 WEST BENGAL 7612 2,010.84 26417 582 98.24 16880 81942 ODISHA 4205 1,138.61 27078 964 287.69 29843 51693 MAHARASHTRA 2056 530.94 25824 1760 688.84 39139 38164 CHATTISGARH 2253 317.04 14072 60 16.55 27583 23135 BIHAR 1871 117.56 6283 37 11.81 31919 19086 RAJASTHAN 1000 226.23 22623 357 102.93 28832 13577 KERALA 546 140.39 25712 488 164.79 33768 10348 UTTARAKHAND 204 37.77 18515 8 1.70 21250 2129 HIMACHAL 31 5.18 16710 115 26.42 22974 146

10 SIKKIM 35 9.37 26771 1 0.41 41000 3611 PUDUCHERRY 10 1.42 14200 7 1.98 28286 1712 GOA 2 0.00 0 10 0.10 1000 1213 NAGALAND 1 0.25 25000 - - - -

ALL INDIA 53463 8,182.46 15304.90 14945 4,915.02 32887.38 68408

Loan a/c Less than Rs 50000

S.No States & UTs

Cash Credit Term LoanTotal No of

A/c with less than Rs 50000

No of accounts

Amount (Rs Lakhs)


No of accounts

Amount (Rs Lakhs)


1 KARNATAKA 10769 834.50 7749 6526 2,183.69 33461 172952 TELANGANA 8228 133.15 1618 26 7.67 29500 82543 TAMIL NADU 2176 637.70 29306 2130 707.78 33229 43064 ANDHRA PRADESH 3694 337.10 9126 157 47.57 30299 38515 UTTAR PRADESH 2439 593.91 24351 98 27.68 28245 25376 ASSAM 1639 397.53 24254 476 130.78 27475 21157 MADHYA PRADESH 1501 157.85 10516 542 213.90 39465 20438 GUJARAT 1189 165.82 13946 200 81.98 40990 13899 JHARKHAND 727 138.16 19004 60 11.80 19667 787

10 HARYANA 182 26.93 14797 23 5.83 25348 20511 TRIPURA 91 22.69 24934 9 2.05 22778 10012 J & K 18 4.44 24667 58 19.52 33655 7613 PUNJAB 45 10.18 22622 19 5.60 29474 6414 MANIPUR 3 1.10 36667 23 5.34 23217 2615 PUDUCHERRY 10 1.42 14200 7 1.98 28286 1716 MIZORAM 1 0.25 25000 0 0.00 1

ALL INDIA 53463 8,182.46 15304 14945 4,915 32887 68408

Unutilized Amount in Cash Credit A/c

S.No States & UTs Total CC Accounts Cumulative DP Outstanding Amount

Amount to be withdrawn

1 WEST BENGAL 1,00,279 1152.40 819.37 333.042 KERALA 28,537 745.79 461.20 284.593 ODISHA 59,412 706.13 474.15 231.984 BIHAR 49,663 300.84 106.13 194.715 CHATTISGARH 15,430 184.43 63.96 120.486 MAHARASHTRA 24,597 257.97 188.18 69.807 RAJASTHAN 7,236 58.13 31.04 27.098 PUDUCHERRY 1,139 27.09 14.71 12.389 UTTARAKHAND 1,458 6.82 2.07 4.75

10 HIMACHAL PRADESH 560 8.85 4.16 4.6911 GOA 228 9.94 8.06 1.8912 SIKKIM 129 0.86 0.39 0.4713 MEGHALAYA 67 0.24 0.01 0.2414 NAGALAND 20 0.20 0.09 0.1115 ARUNACHAL PRADESH 13 0.24 0.15 0.10

ALL INDIA 12,87,005 30516.62 18663.11 11853.51

Amount in Rs Cr

Unutilized Amount in Cash Credit A/c

S.No States & UTs Total CC Accounts Cumulative DP Outstanding Amount

Amount to be withdrawn

1 ANDHRA PRADESH 3,87,104 11917.8 8185.2 3732.52 TELANGANA 2,78,964 7590.4 5035.6 2554.83 KARNATAKA 1,45,130 3850.6 1958.1 1892.44 TAMIL NADU 88192 2431.8 1108.7 1323.15 MADHYA PRADESH 18450 141.7 49.5 92.26 GUJARAT 19098 161.9 76.9 85.07 UTTAR PRADESH 11208 66.4 22.5 43.88 ASSAM 10260 64.0 33.5 30.59 JHARKHAND 3678 31.2 12.1 19.1

10 HARYANA 1034 8.5 3.6 4.911 PUNJAB 415 4.1 1.7 2.412 TRIPURA 643 2.7 1.3 1.413 MANIPUR 89 0.6 0.2 0.414 JAMMU & KASHMIR 47 0.3 0.1 0.2

ALL INDIA 12,87,005 30516.62 18663.11 11853.51

Amount in Rs Cr

Incidence of non-repayment

S.No States & UTs No. of Loan A/cs

Amount Outstanding

(Rs Cr)

Irregular Accounts

No. of Accounts

% of Accounts overdue

Amount of Overdue(Rs Cr)

% of overdue amount against outstanding

1 MEGHALAYA 529 3.11 487 92% 2.64 85%2 NAGALAND 1,384 8 1,106 80% 5.21 62%3 ARUNACHAL PRADESH 1,572 4 1,252 80% 2.16 61%4 RAJASTHAN 26,282 177 14,902 57% 88.21 50%5 ODISHA 161374 1424.34 93,483 58% 666.17 47%6 SIKKIM 311 2.1707 135 43% 0.84 39%7 HIMACHAL PRADESH 4,907 38 3,007 61% 13.92 37%8 UTTARAKHAND 12,286 66 5,235 43% 23.40 36%9 BIHAR 101896 504.23 36,497 36% 151.88 30%

10 CHATTISGARH 27,184 165 10,558 39% 47.51 29%11 MAHARASHTRA 93,433 854 38,909 42% 202.07 24%12 PUDUCHERRY 2,674 33 791 30% 6.43 20%13 GOA 1,142 18 489 43% 2.78 15%14 WEST BENGAL 196716 1444.37 41,598 21% 204.37 14%15 KERALA 95,048 1,383 31,832 33% 141.05 10%

ALL INDIA 2634618 34249.86 861494 32% 4845.92 14%

Amount in Rs Cr

Incidence of non-repayment

S.No States & UTs No. of Loan A/cs

Amount Outstanding

(Rs Cr)

Irregular Accounts

No. of Accounts

% of Accounts overdue

Amount of Overdue(Rs Cr)

% of overdue amount against outstanding

1 MANIPUR 1431 6.48 1199 84% 4.73 73%2 MIZORAM 58 0.82 42 72% 0.48 59%3 TRIPURA 3965 30.53 1776 45% 17.99 59%4 JHARKHAND 22785 179.05 17055 75% 105.05 59%5 UTTAR PRADESH 45571 491.26 26460 58% 245.10 50%6 HARYANA 6159 63.83 3470 56% 31.74 50%7 PUNJAB 3463 25.84 2239 65% 10.26 40%8 MADHYA PRADESH 34588 222.61 14869 43% 86.39 39%9 J&K 2807 9.93 1748 62% 3.66 37%

10 PUDUCHERRY 2674 32.92 791 30% 6.43 20%11 TAMIL NADU 274472 3302.53 93616 34% 598.28 18%12 KARNATAKA 339429 4350.53 167164 49% 679.00 16%13 GUJARAT 32253 133.97 7904 25% 17.42 13%14 TELANGANA 429122 7032.92 77445 18% 522.16 7%15 ANDHRA PRADESH 678887 12036.24 147662 22% 859.95 7%

ALL INDIA 2634618 34249.86 861494 32% 4845.92 14%

Amount in Rs Cr

SHG Credit Target (2015-16)Category States The logic applied

A States, where no. of SHGs are more and SHG Bank Programme is in advanced stage

1. Andhra Pradesh2. Telangana3. Tamil Nadu4. Karnataka5. Kerala6. West Bengal7. Maharashtra

5% increase in no. of SHGs linked and 50% increase in amount over the average achievement during last two years.

B States implementing NRLP, Intensive, and Resource block strategy or performed well during last two years

1. Odisha2. Madhya Pradesh3. Bihar4. Chhattisgarh5. Assam6. Gujarat7. Jharkhand8. Rajasthan9. Uttar Pradesh10. Haryana11. Himachal Pradesh12. J&K13. Nagaland14. Pondicherry.


Logic Applied for Calculation of Credit Targets

Category States The logic appliedC States having small

number of SHGs and geographically difficult areas

1. Arunachal Pradesh2. Manipur3. Meghalaya4. Mizoram5. Punjab6. Sikkim7. Tripura8. Uttrakhand9. Goa.


NB: Achievement figures as reported on SHG Bank Linkage Portal

SHG Credit Target (2015-16)

S.No States & UTsTarget

Total SHGs Total Loan Amount

1 KERALA 42500 13302 WEST BENGAL 95200 12303 MAHARASHTRA 38800 7104 ODISHA 50000 5805 BIHAR 35500 2306 RAJASTHAN 15400 1607 CHATTISGARH 10300 1408 HIMACHAL PRADESH 1800 309 PUDUCHERRY 1900 30

10 UTTARAKHAND 1500 1011 GOA 320 112 NAGALAND 600 813 MEGHALAYA 300 1.514 SIKKIM 100 0.515 ARUNACHAL PRADESH 100 0.5

ALL INDIA 1166620 29872

Amount in Rs Cr

SHG Credit Target (2015-16)

S.No States & UTsTarget

Total SHGs Total Loan Amount

1 ANDHRA PRADESH 280000 97702 TELANGANA 188000 61503 TAMIL NADU 150000 44204 KARNATAKA 176000 43105 MADHYA PRADESH 35000 3006 GUJARAT 17100 1407 UTTAR PRADESH 8000 1408 JHARKHAND 3600 409 HARYANA 1100 20

10 J&K 1800 911 PUNJAB 500 612 ASSAM 10200 10013 TRIPURA 600 3.514 MIZORAM 300 1.515 MANIPUR 100 0.5 ALL INDIA 1166620 29872

Amount in Rs Cr

Proposed Actions• Prepare an inventory of eligible SHGs for Linkage

• Closely monitor every stage of the process of preparing and submission of application to bank branch

• Position ‘Bank Sakhi’ with all bank branches in intensive blocks

• Monitor disbursal of loans, renewals of CC limit, withdrawal of the sanctioned DP, NPA – through reports placed on bank linkage portal

• Regularize the DLCC sub-committee and BLBC meeting

• Disburse interest subvention to eligible SHGs in Category-II districts

• Ensure insurance of all SHG members & their spouses under PM Jeevan Jyoti Yojna and PM Surakhsa Bima Yojna; Enroll eligible members under Atal Pension scheme

HR Management

HR Status (Group I, as on 30 June 2015)

S. No

State Positions Approved

Positions Filled

Positions Filled (In

%)

Remarks

1. Bihar 7714 5041 65%2. Chhattisgarh 213 117 55% HR for

Expansion3. Maharashtra 642 448 70%4. Odisha 1923 421 22% TRIPTI HR5. Rajasthan 316 253 80%6. West Bengal 368 208 57%7. Arunachal

Pradesh17 4 24% To recruit

8. Himachal Pradesh

50 36 72%

9. Meghalaya 51 33 65%10.

Nagaland 319 166 52%

11.

Uttarakhand 50 36 72%

Total 11663 6763 58%

HR Status (Group II, as on 30 June 2015)

S. No.

State Positions Approved

Positions Filled

Positions Filled (In %)

Remarks

1 Assam 476 308 65%2. Gujarat 476 308 65%3. Jharkhand 596 487 82%4. Karnataka 181 150 83%5. Madhya

Pradesh912 818 90%

6. Tamil Nadu 4550 2214 49%7. Uttar Pradesh 273 185 68% HR for Expansion

8. Haryana 137 114 83%9. Jammu &

Kashmir195 41 21%

10. Mizoram 34 27 79%11. Manipur 27 3 11% To recruit12. Punjab 63 54 86%13. Tripura 142 44 31%

Total 8062 4753 63%

HR Management in SRLMs

• Filling up all required positions, including FM, Accounts and MIS personnel, in a time bound manner

• N.M.M.U. to support HR Process Package roll-out (three states initially, subsequently based on demand)

• N.M.M.U. will be developing a model PMS, GRM and Anti Sexual Harassment Policy and support states in customising the same to their needs and its roll-out

• Developing Staff CB Architecture, including state resource pools• Taking Community Cadres as Mission staff (BMMU, DMMU etc.)

Farm Livelihoods

PRC-July 2015

MKSP Progress Summary

S. No

ParticularsTotal

1 No. of states covered 15

2 No. of Projects sanctioned till date 58

3 Number of Districts 1184 Number of Blocks 1,0665 No. of Gram Panchayats 2,3856 Revenue Villages 19,202 7 No. of Mahila Kisan covered (Targeted) 24,64,2938 No. of Mahila Kisan covered (Achieved)

32,22,4359 No. of Producer Groups functional 57394

10 Total No. of CRPs trained and deployed 2408311 No. of Mahila Kisan per CRP deployed 132

PRC-July 2015

MKSP- State wise Summary

STATE No. of PIAsTotal central outlay (Cr)

No. of Mahila Kisans covered (till May’15)

AP13 Zilla Samakhyas + 1 AAP

136.99 1374459Assam 1 (Consortium of NGOs) 12.67 4200Bihar 3 (BRLPS+1 AAP+ 1 NGO) 87.08 103662Chhattishgarh 1 NGO 2.24 550

Gujarat 1 (GLPC with NGO partners) 15.62 18586

Jharkhand 8 NGOs 13.58 12928Karnataka 3 NGOs 18.35 17419Kerala 3 (Kudumbashree +COMPT+ AAP) 78.69 267813Maharashtra 1 NGO 4.37 3265MP 3 NGOs 24.78 33226

Odisha 7 (6 NGOs+ 1 Consortium of NGOs) 28.88 15932

Rajasthan 1 (Consortium of NGOs) 8.43 15155

Telangana 9 Zilla Samakhyas 80.43 1290295WB,Chhattisgarh,Jharkhand,Odisha,Maharashtra

(Multi state project CSB-with PRADAN & BAIF) 39.11 11716

West Bengal 1 NGO 10.13 53229

Total 561.35 3222435PRC-July 2015

Coverage: Ultra-Poor strategy (2015-16)

S. No Name of StateYear of intervention

No. of District

No. of Blocks

Number of clusters

(Already started)

Number of cluster (to be

start from Kharif 2015)

Total no. of villages

to be covered

1 Chhattisgarh 2014 5 5 4 6 50

2 Jharkhand 2014 3 5 3 10 65

3 Rajasthan 2014 8 8 4 16 100

4 MP 2014 4 4 4 4 40

5 J &K 2014 2 2 1 2 156 Maharashtra 2015 3 3 6 30

7 West Bengal 2015 2 2 4 20

8 Haryana 2015 4 4 8 40

PRC-July 2015

Implementation Issues

• As per the MKSP guidelines a Committee at the State level, headed by the Secretary (RD) of the State is to be constituted who will be responsible for reviewing and monitoring the Project/s. – states to comply

• The State Committee shall have participation from Forest and Environment, tribal development and Women and Child Development Departments. The Committee shall undertake quarterly reviews with the PIAs

• All SRLMs to transit to Annual Action Plan (AAP) route for MKSP • All SRLMs to prepare a scaling up plan for livelihoods interventions

PRC-July 2015

Rationale for SRLMs for AAP route

• SRLMs to own the MKSP Projects • State would be capacitated to take up all processes of MKSP starting

from appraisal to monitoring• Successful sustainable models under MKSP should be scaled up by

SRLMs• States which have adequately trained human resources should transit

to annual action plan (AAP) route under MKSP

PRC-July 2015

Annual Action Plan route for MKSP• Readiness indicators for SRLMs:

1. Positioning of livelihoods team at state, district and block level.2. Livelihoods team has undergone well designed and detailed induction trainings

in consultation with NRLM.

• Transition to AAP routea. Submission of annual action plan in the template prescribed by NRLMb. Appraisal process by SRLMsc. Approval by Empowered Committee (EC)

PRC-July 2015

Action Points for SRLMs

• The States need to put in place district and Block level teams for livelihoods verticals.

• States to undertake bi-monthly review meeting and field visits with the MKSP partners

• SRLM representatives are to attend MKSP review meeting organized by NMMU.

• More due diligence is desired from SRLMs on the MKSP projects forwarded to NMMU especially desk/field appraisal

• SRLMs to address the issues related with fund release to MKSP PIAs and follow terms and conditions of sanction letter for timely fund release to the PIAs.

PRC-July 2015

Action points for SRLMs

• Actively promote convergence with MGNREGA and other programs • Identify and train a large pool of livelihoods CRPs from the existing

interventions-MKSP, Ultra Poor Strategy etc.• Build livelihoods organization around key livelihoods (SHGs and their

Federation will not be enough)• Develop value chains of key commodities • Network with markets • Promote ICT-enabled platforms as strong support structure

PRC-July 2015

Non Farm Livelihoods

Non Farm Livelihoods-NRLM

Intervention Objectives

Provide targeted help to SHG members to generate income from off farm activities

Move to the next level of helping create demand for credit through livelihood options.


Area of focus for implementationThe Startup Village Entrepreneurship Programme (SVEP) has been launched.

Now the focus shall be on the following activities•Communicating the programme and its features to the SRLM’s by organising workshops, preferably regional workshops.

•Build a centralised core content, which can be updated at periodic intervals based on feedback from the ground.

•Build a certification process for certifying Mentor Community Resource Persons – Enterprise Promotion (CRP-EP’s) and CRP-EP’s.

•Create a software for doing baseline and for tracking performance of the promoted enterprises vis s vis relevant peers in the area. This software shall also help provide the entrepreneurs credit history to the bank and SHG’s. At a later stage this can be used to aggregate demand and supply of the enterprises and can be used for joint negotiations with the market.

•Identify credible PIA’s for the implementation of this program with the SRLM’s.

•Work on convergence with MGNREGA, Min. of textiles and the skills division


Important outcomes of these initiatives

• Build a mechanism of a baseline survey, with a resource and asset map of the village and to measure performance of the program. Digitise the same and make available to all stakeholders.

• Identify best practices and identify enterprises and model for scaling up• Build a cadre of trained CRP-EPs to drive change• Use technology and CRP-EPs to provide hand-holding and support to the

entrepreneurs. • Build a standardised training content and also digitise the same to reduce

transmission loss while scaling up. • SRLMs to take the ownership and lead in implementation of the program.


Program guidelinesKey features of the program.•The program starts with a baseline and market potential study.•There is a software to be developed to make the baseline available to all stakeholders and to ensure transparency and avoid duplication of effort. •A mandatory 3rd party review at the end of 2 years – result focussed program.•On going monitoring of the supported enterprises, using the software and the CPR-EP’s.•Drive convergence with all govt programs, so the rural people are made aware of the programs and benefit from the last mile reach of NRLM.


Policy Guidelines in pipeline• Guidelines with work on value chain interventions in both artisanal and

farm based products (farm output, dairy, poultry, goat etc.), with producer groups

• Guidelines on how to lend to producer groups directly, outside the SHG system.

• Convergence with the programs of other ministries, like textiles, MSME, minority affairs, tribal welfare etc.


Rural Self Employment Training Institutes (RSETIs)

• To introduce Biometric system of attendance in all the RSETIs at the earliest. From 2016-17, reimbursement of training cost will be linked to introduction of Biometric systems in the RSETIs.

• Poor progress in construction of the RSETI premises • Reimbursement of training cost continues to be problematic in

some states. The Missions to utilize the NRLM training capacity building funds for this purpose if there is any shortage of funds in the RSETI head.

Management Information System (MIS)

NIC developing transaction-based MIS for NRLM – Beta Version would be ready in two months

All state Missions without a transaction-based system/have not contracted MIS agency required to adopt Central System and customize for state specific requirements if any

Missions with functioning transaction-based MIS required to integrate with NIC system, using bridge software (AP, BIH, JHA, KER and TG)

SRLMs need not to hire any agency for development of MIS which is being developed centrally

State Missions required to institute appropriate transaction data collection, validation and uploading protocols using front-end devices (Tablet PCs)

Missions are advised to ensure that MIS professionals are hired at the state level; 10 states (Assam, Karnataka, Kerala, Telangana, Himachal Pradesh, J&K, Arunachal Pradesh, Manipur, Meghalaya and Sikkim) do not have MIS/IT professionals

Adoption of Transaction-Based MIS

58

All state Missions advised to complete/update profiles of all SHGs on the National portal with full and latest member details by July 2015

SHG profiles to indicate member/leader details, SHG bank account number, SECC 2011 household number of each member, mobile number etc

States with a large number of pre-existing SHGs (e.g. West Bengal) advised to upload profiles of all SHGs promoted/revived

State Missions required to ensure that there is no variation between SHGs uploaded on the National portal and those reported in MPRs

Profile of VOs and CLFs are required to upload in NRLM-MIS portal

Completion of SHG Directory

59

All state Missions required to adhere to the MPR submission protocols

- Frequent delays observed in respect of Odisha, J&K, Rajasthan and Bihar

Andhra Pradesh and Telangana required to share validated MPR data

MPR based analytics placed on the portal not optimally used by Missions

- Mission units required to use analytics for performance reviews and decision-making

Monthly Progress Reports

60

Mission units required to use fund disbursement module on NRLM-MIS portal for transferring legacy information pertaining to RF/CIF disbursed to SHGs

Henceforth, RF/CIF disbursement to CBOs should be done through online Proposal Submission Module being developed by NIC

All SRLMs required to track SHG monthly transactions through Central NRLM-MIS

Fund Disbursement Tracking

61

Thank You

PRC Meeting Date: 8 th July 2015 1. Need for an integrated poverty reduction approach Large number...

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