message - telangana...loan disbursement 1835 2318.32 no. of shgs covered 1,72,125 2,03,944 no. of...

1 111Annual Report 2018-19

MESSAGE

It gives me immense pleasure that Stree Nidhi, promoted by SHG federations and the State Government has emerged as the largest lender to SHGs in rural area of the State. It is also a matter of great pride that an organization owned and managed by community has become a role model in the country.

Stree Nidhi has combined the strength of SHG federations and technology driven operations ensuring last mile connectivity to reach SHGs in a transparent and efficient manner. It has revolutionized and ushered in a new era in SHG financing with innovative solutions such biometric authentication of borrowers using Tablet PCs and mobile application for SHGs. I am happy that the SHGs in the State are using financial services of Stree Nidhi for establishing their livelihood enterprises successfully.

It is praiseworthy that Stree Nidhi has evolved customized loan and saving products to meet varying needs of community in a cost effective and timely manner preventing the incidence of high cost borrowings from other sources. I also appreciate the efforts made by all stakeholders of Stree Nidhi, viz. SHGs and their federations, SERP and MEPMA in building a pioneering social enterprise to deliver hassle free financial services to the financially underserved community in the State. I wish all success to Stree Nidhi in its future endeavors for serving SHG members.

Errabelli Dayakar Rao

Shri. Errabelli Dayakar Rao,Hon’ble Minister,Panchayat Raj & Rural Development,Government of Telangana

1

2Stree Nidhi2


MESSAGE

Stree Nidhi is a niche institution in the domain of SHG financing providing timely credit at affordable cost creating a remarkable impact on the poor by augmenting their income. The progress made over the period of last eight years has been spectacular as it, inter alia, embraced user friendly technology in delivery of services transparently. It is a matter of pride that Telangana state is a pioneer for this novel institution which has great potential for replication and the recommendations of high powered committee of Government of India to have similar systems in other states is a testimony to the above.

Stree Nidhi is unique in many ways and its competitive advantages over other sources of funds to community make Stree Nidhi stand apart in servicing the poor. It has been able to leverage the strength of SHGs and their federations, technology driven solutions and financial resources from banks to the best advantage of the community and has been able to contribute for strengthening the SHG federations. ‘Mana Stree Nidhi’ mobile app is a step to bring the required transparency.

I extend hearty congratulations to all the SHGs in the State, DRDOs - DRDA, PDs -MEPMA, staff of Stree Nidhi, SERP and MEPMA who played a key role in nurturing Stree Nidhi to emerge as a dynamic, reliable, and strong institution striving for reduction of poverty in the State of Telangana.

Shri. Vikas Raj, IASPrincipal Secretary, PR & RD,Government of Telangana

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STREE NIDHI AT A GLANCE: FY 2018-19

(Rs cr)

Particulars 2017-18 2018-19

Loan disbursement 1835 2318.32

No. of SHGs covered 1,72,125 2,03,944

No. of Members covered 6,36,495 7,01,034

Total Loan Outstanding 2427.32 3183.56

Gross NPA 19.17 16.20

Gross NPA % 0.79 0.51

Net NPA 0 0

Deposits 521.08 597.95

Share Capital from State Government 43.52 43.52

Share Capital from MSs/TLFs 79.64 127.10

Net Profit Earned 58.91 66.97

Accumulated Profit and Reserves 154.93 202.94

Dividend 11%12%

(Proposal)

6Stree Nidhi6


PERFORMANCE HIGHLIGHTS – Last 5 Years

PERFORMANCE HIGHLIGHTS – Last 5 Years

88116

126832

143618

172125

203944

2014 - 1 5

2015 - 1 6

2016 - 1 7

2017 - 1 8

2018 - 1 9

No. of SHGs covered

7851330

18002447

3183

2014 - 1 5 2015 - 1 6 2016 - 1 7 2017 - 1 8 2018 - 1 9

Loan Outstanding(Rs. cr.)

7031148 1354

18382318

2014 - 1 5 2015 - 1 6 2016 - 1 7 2017 - 1 8 2018 - 1 9

Loan Disbursement(Rs. cr.)

336900

454390

488078

636495

701034

2014 - 1 5

2015 - 1 6

2016 - 1 7

2017 - 1 8

2018 - 1 9

No. of members covered

165.6317.97

431.4521.08

597.95

2014 - 1 5 2015 - 1 6 2016 - 1 7 2017 - 1 8 2018 - 1 9

Deposits of Community(Rs. cr.)

8Stree Nidhi8


Abbreviations

ABFL Agri Business Finance LimitedAEPS Aadhar Enabled Payment SystemAGM Assistant General ManagerAPGVB Andhra Pradesh Grameen Vikas BankAPIs Application Program InterfaceATM Automated Teller MachineBC Business CorrespondentBI Business IntelligenceCARP Community Audit Resource PersonCBOs Community Based OrganisationsCEO Chief Executive OfficerCGM Chief General ManageerCIF Community Investment FundCRD Commissioner of Rural DevelopmentCRM Credit MonitoringCSP Customer Service ProviderCSR Corporate Social ResponsibilityDCB Demand Collection and BalanceDRDA District Rural Development AgencyDRDO District Rural Development OfficerDRP District Resource PersonEFMS Electronic Fund Management SystemEMIs Equated Monthly InstalmentsFPGs Farmer Producer GroupsFPOs Farmer Producer OrganisationsGoI Government of IndiaHLP Household Livelihood PlanHO Head OfficeIGA Income Generation ActivityIHHL Individual House Hold LatrineIIBF Indian Institute of Banking & FinanceIT Information TechnologyITE & C Information Technology Electronics and CommunicationsIWMP Intigrated Watershed Management Programme

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MACS Mutually Aided Cooperative Society MAS Mahila Abhivrudhi SocietyMC Managing CommitteeMDM Mobile Device ManagementMEPMA Mission for Elimination of Poverty in Municipal AreasmFIs micro Finance InstitutionsMIS Management Information SystemMS Mandal SamakhyaMUDRA Micro Units Development and Refinance AgencyNABARD National Bank For Agriculture & Rural DevelopmentNBCFDC National Backward Classes Finance and Development CorporationNBFC Non Banking Financial CompanyNCDC National Cooperative Development CorporationNGO Non Government OrganisationNHC Neighbourhood CenterNHFDC National Handicapped Finance and Development CorporationNIRD&PR National Institute of Rural Development and Panchayat RajNPA Non Performing AssetNREGA National Rural Employment Guarantee ActNRLM National Rural Livelihood MissionNSFDC National Scheduled Castes Finance and Development CorporationNSTFDC National Scheduled Tribes Finance and Development CorporationNULM National Urban Livelihoods MissionOBs Office BearersOSS One Stop ShopPA Per AnnumPCs Personal ComputersPMJJBY Pradhan Mantri Jeevan Jyoti Bima YojanaPMKSY Pradhan Mantri Krishi Sinchayee YojanaPMSBY Pradhan Mantri Suraksha Bima YojanaPR & RD Panchayath Raj & Rural DevelopmentPSSK Palle Samagra Seva KendraluPwD Persons with DisabilityRBI Reserve Bank of IndiaRM Regional ManagerRSETI Rural Self Employment Training Institute


SBI State Bank of IndiaSC Scheduled CasteSCSP Scheduled Caste Sub PlanSERP Society for Elimination of Rural PovertySHG Self Help GroupSLCC State Level Consultative CommitteeSLF Slum Level FederationSMS Short Message ServiceSNEHA Stree Nidhi Educating and Helping ActivistSNRP Stree Nidhi Resource PersonSOC Security Operations CentreSRLM State Rural Livelihoods MissionST Scheduled CasteSTQC Standardized Testing and Quality CertificationSULM State Urban Livelihood MissionSVEP Start-up Village Enterprenuership ProgrammeTGB Telangana Grameen BankTLF Town Level FederationTS CAB Telangana State Cooperative Apex BankTSP Tribal Sub PlanTSSSAAT Telangana State Society for Social Audit , Accountability and Trans-

parencyURL Uniform Resource LocatorVLEs Village Level EnterprenuersVLR Vaddi Leni RunaluVO Village OrginisationVOA Village Organisation Assistanty-o-y Year on YearZM Zonal ManagerZS Zilla Samakhya

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INDEX

Chapter No.

Particulars Page No.

PART - A

1 Dawn of New Era in Micro Finance 1-3

2Stree Nidhi – A Unique Financial Institution of the poor in Telangana State

4-7

3 Role of SERP and MEPMA in functioning of Stree Nidhi 8-10

4Stree Nidhi – A Community Based mFI- Organization Structure and Governance

11-14

5 New Initiatives and Developments 15-17

6 Mobilisation of Resources 18-20

7 Financial Performance 21-26

8 Credit Outreach 27-36

9 Credit Management Mechanism in Stree Nidhi 37-38

10 Credit Risk Mitigation and Social Audit 39-41

11 Digitalization of Key operations 42-43

12Financial Inclusion - Stree Nidhi as Business Correspondent to Banks

44-45

13 Institutional Monitoring and Training 46-48

14 Corporate Governance 49-51

Part - B Financial Statements 52-53

Part - C Tables 54-80

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1Chapter -

Dawn of New Era in Micro Finance

1.1. The events unfolded aftermath of microfinance crisis in the State necessitated emergence of Stree Nidhi to extend financial services to SHGs in a cost effective and transparent manner with the support of State Govt. and SHG federations. The role played by SERP and MEPMA are also praise worthy in shaping the institution for effective delivery of financial services to the poor women. Though, envisaged as an institution to supplement credit flow from banking sector, for various reasons including inadequate finance it has emerged as a major player in microfinance sector in rural areas in the State of Telangana as mentioned hereunder.

(Rs. cr.)

2016-17 2017-18 2018-19

Stree Nidhi 1235.98 1636.23 1899.36

State Bank of India

1,142.52 1,515.26 1617.83

APGVB 1,808.37 1,973.12 1713.04

TGB 735.88 892.46 918.6

Andhra Bank 1,146.28 865.71 849.07

Others 846.35 1162.95 952.19

Loan Disbursement to SHGs from Stree Nidhi and Banks1.2. The per group outstanding loan from banks and Stree Nidhi as on 31 March 2019 stood at Rs. 2.78 lakh and Rs. 0.97 lakh though the demand for credit is on the rise. This speaks of the relevance of Stree Nidhi even in States where credit flow is high. The competitive advantages of Stree Nidhi in purveying financial services

to SHGs has made community to repose great confidence in their institution as it extends timely and adequate credit. Various advantages accruing to SHGs and their federations from Stree Nidhi are illustrated in the following diagram. There is a need for paradigm shift in thinking towards new and appropriate institutions emerging on micro finance canvas for benefit of the poor.

1.3. A major policy initiated by RBI recently was to modify the definition of microfinance and this enabled growth of MFIs significantly as it not only enables financing of higher order livelihoods but also increase per member lending catering to their various needs. However, this calls for more appropriate ways to appraise the livelihood activities and responsible lending. Stree Nidhi has placed both these mechanisms in place.

1.4. The credit flow under micro finance witnessed tremendous growth in the year 2018-19 both from banks and MFIs. There are more than one crore SHGs in the country formed with the help NRLM, GOI and NABARD as also other agencies. The outstanding credit from MFIs and banks last year was Rs. 68,868 cr from NBFC-MFIs and Rs. 61,046 cr from banks and these have major stakes and have shown growth of 37% and 33% over the year 2017-18. In certain states of the country there is a rapid growth in credit portfolio of MFIs.

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Adva

ntag

es o

f loa

ns o

f Str

ee N

idhi

for S

HGs


Loan Disbursement and Outstanding in top 10 states

(Rs. cr.)

StateDisbursement Outstanding

2017-18

2018-19

2017-18

2018-19

Karnataka 4272 10228 6241 8097

Bihar 5553 10016 4517 7991

Orissa 6811 8882 5239 7329

West Bengal 3792 8303 3256 5958

Maharashtra 5560 7633 4645 6276

Uttar Pradesh

4463 6763 4698 6086

Tamil Nadu 2933 5394 3947 5468

Madhya Pradesh

3930 5067 3834 4515

Rajasthan 1962 4135 1381 2916

Kerala 2393 2847 1935 2403

1.5. It is debatable whether the poor access credit by being insensitive to cost of credit particularly when many institutions are functioning to serve them. If the thrust is on financing livelihoods, whether the livelihood activities taken up by the SHG members as also those belonging to poorer segment of the society will be financially viable and bankable is also an aspect requiring in depth study. In this context, whether present level of

pricing of products is sustainable is to be seen. Certainly, this needs to change and concerted measures are necessary to make available low cost funds as made available to certain other sectors of economy.

1.6. In this context, it is commendable that GOI has constituted a High Power Committee to examine alternative arrangements like Stree Nidhi for extending financial services to the poor. It is heartening to mention that the Committee has submitted its recommendation of this model for replication in other States of the country. Hopefully, the plan will be rolled out in near future for the purpose as Stree Nidhi is the most appropriate solution for alleviation of poverty with the stakes of community ably assisted by committed professionals.

1.7. RBI has also ushered in a policy for co-originating loans by banks along with NBFC-MFIs. This model also needs to be considered for institutions like Stree Nidhi which is in cooperative structure to ensure required convergence with banks. This would not only enable assessment of credit with family as a unit but also ensures end use and prevent unwarranted borrowings.

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Stree Nidhi – A Unique Financial Institution of the poor in Telangana State

2.1. The federations of SHGs in rural and urban areas jointly with the State Govt., have promoted Stree Nidhi Credit Cooperative Federation Limited, an apex organisation at State level in the year 2011. The objectives of the institution to supplement credit from banking sector include the following:

to alleviate poverty by ensuring access to affordable, adequate and timely credit to SHG members for taking up livelihood enterprises and augment their income on a sustainable basis and insulate them from high cost borrowings.

to work in convergence with SERP, MEPMA, Govt. Departments and Non-Govt. Organisation in extending services to the poor.

to leverage technology for speedy delivery of services at the door steps of community in a transparent and hassle free manner.

to extend loans for purposes suiting to the needs of SHGs and their federations

to support institutions of the poor at Village / Slum / Mandal / Town level

to provide social security to the poor through customised insurance schemes.

to provide banking services in remote and unbanked areas as a Banking Correspondent.

2.2. VISIONTo be a self-sustainable, technology driven financial institution striving for financial empowerment by providing credit and other financial services in transparent manner to ensure sustainable incomes to poor women.

2.3. MISSIONTo reach out to needy members of SHGs to extend credit and other financial services with focus on livelihoods, minimize high cost borrowing, and ensure strengthening of SHGs and their federations.

2.4. In tune with its objectives, Vision and Mission, Stree Nidhi constantly endeavoured to evolve its policies, products, services, processes and procedures in all aspects of its functioning. Stree Nidhi has many features which are unique in nature which enabled Stree Nidhi to become a distinct organisation in the field of micro finance in the country.

2.5. Unique features of Stree Nidhi:

2Chapter -


2.6. Stree Nidhi Vs mFIs

Stree Nidhi mFIs• Community owned • SHG federations-Last mile connectivity• Need based lending• Low operational cost at 1-2 % of the Working

Capital • Low interest rates-12.5% to members• Margin shared with VO and MS • No processing charges levied• No profit motives• Holistic approach to Poverty alleviation • No unhealthy practices in recovery• Transparency in functioning

• Promoted by private individuals / organizations• Lending operations through employees• Target oriented approach-Pushing credit for

profits• High operational costs 8 -10% of the Working

Capital• High interest rates-21%• 1% Processing charges levied• Lending through JLGs• No holistic approach to Poverty alleviation

Being a specialised organisation in extending credit in cost effective and timely manner to the needy members of SHGs, Stree Nidhi has many positive features

not only compared to mFIs but also banks under SHG Bank Linkage programme as given below:

Competitve advantages of Stree Nidhi

Sl. No.

Stree Nidhi Bank Linkage

1 SHG members can request for loan at the village level without incurring any additional expenditure or losing wages.

Loan application requires travel to bank on working days which involves loss of a day’s wage and also expenditure on travelling.

2 Lower cost of borrowing as no processing or other charges are levied.

Higher cost of borrowing as banks levy processing charges, inspection and other charges at the time of sanction and subsequent renewals.

3 Stree Nidhi does not practice creation of fixed deposit out of loan.

Creation of deposits out of loans and blocking of balances in SB accounts of SHGs in many cases.

4 There is certainty of getting loan in 48 hours from the time of request.

There is no certainty of time for getting loan sanctioned and released.

5 Individual Credit need assessment is done by preparing HLPs and need based loans are given.

Even though all members may not need loan at the same time, they are compelled to borrow as equal distribution is practiced.

6 Higher interest on deposits by SHGs and their federations.

The interest rate on deposits is much lower than that of Stree Nidhi

8 Suraksha Loan Insurance prevents any liability on deceased member’s family or SHG.

No loan insurance leading to debt burden on SHG on a member’s demise.

9 Loan products are customized depending on needs of community.

It is difficult to customize loan products as banks operated national lead.

10 Part of the net income earned is paid back to community as incentive to federations of SHGs as also through CSR spending.

Total interest amount paid by SHGs will go out of SHGs and to banks only.

2.8. What makes Stree Nidhi different?i. Community Participation in

Management: The Governance of Stree

Nidhi is through Managing Committee consisting of elected representatives of SHG women, nominees from the

6Stree Nidhi6

State Govt., and an experienced professional as Managing Director. The MC is focussed on governance with developmental orientation taking care of aspirations articulated by SHG women.

ii. Technology enabled systems: Technology is the life line of Stree Nidhi as almost all operations are automated to deliver services expeditiously at the doorstep of members in a transparent, cost effective, and hassle-free manner. This was possible as Tablet PCs are provided to 18000 VOs and SLFs across the state. Further ‘Mana Stree Nidhi’ app enables SHGs to get required information, adjust loan repayments, and indicate loan requirements of members.

iii. Enforcing Credit Discipline: Stree Nidhi leverages financial resources not only from Banks but also from National level Financial Institutions, apart from mobilising small savings from community. It practices responsible lending by preventing access to those SHGs defaulting under SHG bank linkage programme using automated technology platform.

iv. Effective credit delivery mechanism: The strong network of SHGs and their federations across the state nourished by SERP in rural and MEPMA in urban area enabled Stree Nidhi to increase and deepen financial inclusion cost effectively as they provide last mile connectivity, unlike other mFIs and Banks in the County.

v. Customised loan and saving products: On the basis of needs articulated by SHG members, Stree

Nidhi customized loan products to meet both consumption and income generation needs. Likewise, products for savings are also customised to enable SHGs and their federations to place their savings in Stree Nidhi. This will ensure their stake in the organisation and instil a sense of belonging to the organisation.

vi. Appraising viability on the basis of HLPs on time: Stree Nidhi has gained expertise in financing livelihoods of the poor. Over a period, Stree Nidhi migrated to a paperless system of appraising livelihood finance on the basis of plans prepared online. These online modules are downloaded for a specific activity with necessary inputs for interacting with SHG members in need of loan. Stree Nidhi has instilled confidence in the community that Stree Nidhi will come to their rescue and a large number of members have taken up livelihood enterprises with the support of Stree Nidhi successfully.

vii. Allocation of Credit Limits to poorest of poor: Credit limits are allocated to VOs/SLFs based on their level of functioning assessed through grading process. Of this specific credit limits are ear marked exclusively to the poorest of poor to ensure credit availability to them.

viii. Implementation of “Suraksha”: Keeping in view vulnerability of the poor members, credit risk mitigation measures is done by covering all loanee members under “Stree Nidhi Suraksha” on payment of small premium. In case of death of any member with liability,


the loan is closed out of the claim proceeds and balance amount is paid to family members. The claim settlement is done online through a community based settlement mechanism. This ensures protection not only of the family members but also their SHGs from disintegration on account of financial risk.

ix. Strong Online monitoring system: Stree Nidhi evolved a dynamic monitoring system for measuring staff productivity based on online module for reporting work done in the field. This combined with real time power BI analytics, ensures higher prodctuvity from staff leading to improvement in all performance parameters. MIS reports are made available at all levels of community and staff which facilitate effective review for taking remedial measures. An automated system is also provided for payment of DA to staff without delay.

x. Financial Inclusion: Recognising the need for making banking services within the reach of underserved community, Stree Nidhi positioned itself as a Corporate BC to SBI and Andhra Bank and provides banking services through BC points engaging SHG members as Village Level Entrepreneurs. These BC points established in 1200 locations in interior villages have not only enabled the community to access banking services but also provided gainful employment to SHG members. The BC points are also integrated with Government departments to provide

Government to citizen services, disbursement of social security pension and NREGS wages.

xi. Strengthening Community Organisation: Stree Nidhi contributes to financial health of SHG federations by sharing of interest earned. Stree Nidhi pays 12% of the interest earned to federations of SHGs, viz. VOs/SLFs/MS/TLFs. It also pays higher interest on saving of community as compared to banks, extends financial support for institution building activities in coordination with SERP and MEPMA, taking up activities of distribution of scholarships, to children of SHGs creation of benevolent fund etc. as a part of social responsibility. This is a win-win situation for both.

xii. Social Audit: Stree Nidhi has placed an audit mechanism, unique to a financial institution, wherein financial transactions done at the level of VOs/SLFs are subjected to social audit by trained community auditors who are members as also TS SSAAT. This ensures end use of credit and prevents frauds.

2.9. The huge coverage of members, quantum of credit delivered and sound asset quality is the reflection of efficiency of delivery model of Stree Nidhi. Considering the successful functioning of Stree Nidhi, Telangana, over a period of 8 years as financial institution of SHGs, Govt. of India constituted a High Power Committee which recommended for replication of the model in other states of the country.

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Role of SERP and MEPMA in functioning of Stree Nidhi

3.1. SHGs and their federations in both the rural and urban area are promoted and nurtured by SERP and MEPMA respectively. The SHGs in rural area are federated into VOs at village level and MSs at Mandal level. Likewise, SHGs in urban

area are federated into SLFs at slum level and TLFs at Town level as shown below. The district wise data on number of members, SHGs, VOs/SLF and MSs/TLFs are furnished in table 1 & R to of part-C:

Organogram of MS/TLF

Society for Elimination of Rural Poverty (SERP)No. of MSs 548

No. of VOs 17,687No. of SHGs 4,02,732

3.2. SERP is an autonomous society, established by the State Government and registered under Societies Act, headed by an IAS officer. SERP has played a key role in facilitating social mobilization of rural women and organizing them in to SHGs and their federations in the entire State of Telangana. SERP extends sensitive support to the institutions ensuring their systematic functioning. The platform enables various agencies including Stree Nidhi to provide required financial services to community. SERP implements multi-pronged strategy for capacity building and

poverty alleviation through the SHGs and federations to empower them socially and economically.

3.3. District Rural Development Agency headed by the District Rural Development Officer, implements all the activities of SERP with the support of field staff. These staff play a key role in improving functioning of VOs/MSs, facilitating institutional finance, as also taking up income generating activities by SHGs. SERP is actively involved in implementation of the following schemes aimed at amelioration of living quality of the poor.

i. Plays a key role in providing access to credit from banks under bank linkage programme and Stree Nidhi.

ii. Takes measures for identification of livelihoods and financing thereof.

3Chapter -

• EC-1 From each VO/ SLF 5 offfice bearers • Support to VOs• Secure links witg Govt Depts & fiancial Institutions


Organogram of MS/TLF

iii. Promoting FPOs with an objective of ensuring sustainable and incremental incomes through value chain interventions.

iv. Implementation of economic support schemes for the benefit of the poor under special projects viz, SCSP, TSP, IWMP, NRLM and SVEP with Stree Nidhi as a Channelizing agency.

v. Actively involved in implementation of flag ship programmes of the State Govt. like Aasara Pension, Haritha Haram, Swatcha Bharath Mission, welfare of physically challenged, Maintaining Neighbourhood centers, striving for human development etc.

3.4. SERP has made the following efforts to fine tune the systems and procedures in VOs and MSs from time to time in tune with the requirement.

i. All the staff are provided with Tablet PCs for effective implementation and monitoring of various activities.

ii. Book keeping of MSs are made online with robust MIS helping in monitoring of functioning of MSs and rating thereof.

iii. Transaction based digital accounting system has been introduced in about 1.0 lakh SHGs to capture details of functioning of SHGs and rating thereof every month.

iv. Preparing HLPs online to assess credit needs of members for establishment of micro enterprises aimed at enhancing their livelihood.

3.5. Support extended to Stree Nidhii. The master data of SHG members in

rural areas is maintained and shared

by SERP to Stree Nidhi on a regular basis.

ii. SERP staff play a key role in propagating the services of Stree Nidhi among the community and enabling them to avail credit and other financial services from Stree Nidhi.

iii. Extending support in grading of institutions of the poor.

3.6. The efforts made by the SERP in coordination with Stree Nidhi have resulted in better functioning of VOs and MSs, created awareness in members and unlocked the potential to take up livelihoods and access credit from Stree Nidhi. In recognition of the services rendered by SERP staff, they are paid performance linked compensation by Stree Nidhi as per policy evolved by MC of Stree Nidhi from time to time and also paid ex-gratia in case of death of a SERP employee.

Mission for Elimination of Poverty in Municipal Areas (MEPMA)

No. of TLFs 108No. of SLFs 5873No. of SHGs 1,81,291

3.7. MEPMA is an autonomous society established by Govt. of Telangana and headed by an IAS officer. At district level, the implementation of activities take place under Project Director, MEPMA. The main objective of MEPMA is to improve quality of life of urban poor through community owned and managed institutions. MEPMA plays a key role in

i. Facilitating the urban poor women to form in to SHGs and their federations at Slum and Town level.

10Stree Nidhi10

ii. Implementation of multifarious activities like promoting self-employment, social security measures, housing for poor, Health and nutrition etc.

iii. Providing credit access under SHG- Bank linkage programme and Stree Nidhi

3.8. MEPMA extends support to Stree Nidhi by providing master data on SHG members, facilitating propagation of products and services among urban poor and enabling credit access from Stree Nidhi and prompt repayment of loans.

3.9. The staff of MEPMA are also compensated for their services by linking to performance and also ex-gratia in case of demise of employees.

3.10. The activities implemented by SERP and MEPMA for strengthening of institutions of the poor i.e., SHGs and their federations provide a strong foundation for Stree Nidhi to purvey its financial services to community effectively. The convergence between Stree Nidhi, SERP and MEPMA ensures that the needy SHG members in rural as well as urban area are provided with affordable and timely credit and other financial services from Stree Nidhi for augmenting their incomes.


Stree Nidhi – A Community Based mFI- Organization Structure and Governance

4.1. Stree Nidhi Credit Cooperative Federation Limited., an apex organization at state level promoted jointly by the State Govt., and Federations of SHGs, is registered under Telangana State Cooperative Societies Act’1964. Mandal Samakhyas in rural areas and Town Level Federations in urban areas and the state Govt. are the shareholders in the institution with SHGs and VOs/SLFs as Associate members. Being a Co-operative, Stree Nidhi has General Body of Share holders and Managing Committee.

General Body 4.2. All the shareholders of Stree Nidhi constitute General body of Stree Nidhi and it is the supreme decision making body. General body meetings were held twice during the year 2018-19, first meeting on 11.03.2019 and second meeting on 31.03.2019.

Managing Committee 4.3. Managing Committee is entrusted with the responsibility of managing the affairs of the organization. The Managing Committee of Stree Nidhi consists of 12 Directors elected by representatives of Mandal Samakhyas and Town Level Federations, three members nominated by State Govt., three special invitees and Managing Directors as ex-officio member. State Govt., has nominated Principal Secretary, Rural Development; Joint Secretary, Finance and Registrar of Cooperative Societies as Directors to the

Managing Committee. Chief Executive Officer- SERP, Mission Director MEPMA and CEO, MAS are special invitees on the Board. The term of the elected representatives is 5 years. The incumbent MC members were elected on 25.05.2015.

Conduct of Managing Committee meetings4.4. The Managing Committee meetings are held once in a quarter in compliance with the provisions of Bye-laws. The details of MC meetings conducted in FY 2018-19 are furnished below.

S. No

MC Meeting

No.

Date of Meeting

No. of Board mem-bers

No of Board

members attended

% of atten-dance

1 20 16.05.2018 16 13 81.25

2 21 30.08.2018 16 13 81.25

3 22 20.11.2018 16 11 68.75

4 23 27.02.2019 16 14 87.50

Organization – Structure4.5. The organizational structure of Stree Nidhi has evolved over a period to meet the requisites of the institution in tune with its growth, assets under management, coverage of SHG members, expansion of products and services etc., Stree Nidhi has been recruiting staff with experience in Banking, financing SHGs, Micro Finance, Capacity Building of Community, Financial Inclusion, Micro Enterprises and Livelihood activities and Information Technology, in higher cadre viz: Deputy General Managers, Assistant General Managers, Zonal Managers, Chief Managers, Regional Managers. Field

4Chapter -

12Stree Nidhi12

functionaries in the cadre of Managers and Asst Managers are recruited from SHG members and open market to work at grassroot level.

Staffing Pattern4.6. A three tier structure has been evolved to ensure effective implementation of strategies and monitor effectively to achieve objectives of Stree Nidhi.

Head Office4.7. In order to handle and supervise specific functions and ensure proper planning and monitor, following verticals have been created. All the verticals are headed by Deputy General Managers or Assistant General Managers and function with the assistance of Chief Managers, Managers and Assistant Managers. All functional units are under the administrative control of the Managing Director.

S. No. Unit Name S.

No Unit Name

1 General Administration

6 Financial Inclusion

2 Board Secretariat, Policy, MIS

7 Funds Management, Risk Management & Claims

3 Credit Management, Livelihoods

8 Information Technology and Procurement

4 Accounts and Reconciliation

9 Institutional Monitoring and Training

5 Credit Monitoring 10 Social Audit

Zonal Structure and Head Office4.8. In order to ensure effective monitoring and implementation of all activities of Stree Nidhi and to achieve required performance under all key Parameters, all the districts except Hyderabad are divided into five zones and districts in the zone are considered as regions. The zones are supervised by Zonal Managers who are in the cadre of AGMs and entrusted with overall responsibility to monitor performance of the Regions attached to them. The Zonal Managers attend ZS/MS/VO meetings, liaison with District Administration and participate in District Level Stree Nidhi Review Committee Meetings. The Zonal Manager is responsible to achieve credit plan and to ensure that NPAs level is below 0.5% and recovery above 98% by implementing suitable strategies.

Field Level staff4.9. The Regions comprising of one or two districts headed by Regional Managers who are responsible for achieving the projected Credit Plan and other parameters in the respective region.


Further, 4-5 Mandals/ TLFs are allocated to Managers who are responsible to supervise all activities of the Assistant Managers posted to implement all activities at grass root level in 1-3 MSs/TLFs.

Staff Recruitment4.10. Stree Nidhi has increased its staff

strength in tune with growth in its portfolio and expansion in services. At grass root level, Assistant Managers have been recruited from eligible SHG members, experienced staff working in CBOs, i.e. VO/SLFs and MS/TLFs and open market. The staff working at Head Office and field in different cadres is furnished in the following table.

S. No. CadreNo. of Staff at

TotalHead Office Field

1 Managing Director 1 1

2 Deputy General Manager 8 8

3 Deputy Registrar/OSD 1 1

4 Assistant General Manager 5 5

5 Zonal Manager 4 4

6 Chief Manager 13 13

7 Regional Manager 21 21

8 Manager 19 49 68

9 Personal Secretary to MD 1 1

10 Assistant Manager/C.O 8 294 302

11 Driver 2 2

12 Office Assistant 4 4

Total: 66 364 430

Out of total 294 Assistant Managers working at field 156 are women.

Staff monitoring4.11. To ensure effective monitoring of functioning of staff in field, Stree Nidhi has introduced the Online Work Done Report Module, wherein attendance of staff to field visits. Time spent thereon will be reported digitally on real time basis.

4.12. The module facilitates, generate work done reports in the field activities, payment of TA/DA based generated bills automatically.

Job chart for Field Functionaries4.13. Detailed job charts are provided for field functionaries along with performance parameters enables the staff with role clarity in a more responsible manner and extend better services to community.

Training of Human Resources4.14. Human resources is key to successful functioning of Stree Nidhi. It is therefore necessary to impart them proper knowledge and skills for their effective functioning. This assumed greater importance as more no. of staff

14Stree Nidhi14

have been recruited. Trainings and workshops have been conducted for community and Stree Nidhi staff at all

levels and details of the same in during FY 2018-19 and FY 2019-20 were as follows.

Particulars of trainings organized to staffTable- A: During FY 2018-19

S. No. Training programmes / Orientations conducted No. of Participants

1 Training to Managers and Asst. Managers of Stree Nidhi on credit monitoring and recovery management.

180

2 Refresher training to Managers and Asst. Managers of Stree Nidhi 75

3 Induction training to Managers and Asst. Managers 117

4 Training on Cluster Development Approach at NIMSME to Chief Managers / Regional Managers

3

Table-B: During FY 2019-20

S. No. Training programmes / Orientations conducted No. of Participants

4 Induction Training to Managers, RMs, ZMs and AGMs on Stree Nidhi. 23

5 Basic Banking and Refresher Training to all the staff 318

6 Strategy meet for RMs and HO Staff 60

7 New staff training 125

8 Orientation to DRDOs 30


New Initiatives and Developments

District Rural Development Officers (DRDOs) as Nodal Officers5.1. In order to ensure effective implementation and monitoring of Stree Nidhi activities, State Govt. has designated DRDOs, DRDA as nodal officers for Stree Nidhi at district level through G.O. No. 19 dtd 20.03.2019. DRDOs will ensure effective functioning of Stree Nidhi staff in coordination with staff of SERP and CBOs to facilitate SHGs to access credit and other services extended by Stree Nidhi. They will also ensure dissemination of Stree Nidhi policies and guidelines to SHGs and their federations and field staff concerned and play a key role in achieving Annual credit plan and other key parameters.

‘Mana Stree Nidhi’ a Mobile Application for SHGs5.2. Stree Nidhi has launched a mobile application, ‘Mana Stree Nidhi’, made available on Smartphones of SHG members. The App provides SHG members access to Stree Nidhi reports on transactions related to their SHG namely DCB, Samruddhi Deposit, member loan ledgers, loan application status, insurance details etc. on a real time basis. SHG members can use the App to facilitate adjustment of the loan repayments to their individual loan accounts. The App also facilitates members to indicate loan requirement from Stree Nidhi. It is a revolutionary step, providing transparency in operations of Stree Nidhi.Repayment of Stree Nidhi Loans directly by SHGs5.3. As the SHGs are required to pay their loan installments directly to Stree Nidhi, services

of 4600 plus banking correspondent (BC) points of various banks spread across the State are being used to directly repay the loan installments by SHGs to Stree Nidhi recovery account without visiting bank branch. After repaying the amount at a BC point, SHG can update the transaction details, viz. Transaction ID, date and amount paid, through ‘Mana Stree Nidhi’ application which will enable identification of the SHG concerned and adjustment of repaid amounts to loan accounts of the SHG members. In case no member of an SHG has a smart phone, they can also share the transaction ID through SMS to a specific toll-free number.

Propagation of Stree Nidhi services through SNEHAs5.4. In order to create awareness on Stree Nidhi financial services, Stree Nidhi identified active members of SHGs as CRPs who are called ‘Stree Nidhi Educating and Helping Activists’ (SNEHA). About 300 such SNEHAs were identified and imparted intensive training on various aspects of Stree Nidhi functioning for 4 days. So far, awareness was created in 1587 VOs/SLFs by utilizing the services of SNEHAs.

Stree Nidhi Suraksha – Payment of Instant Relief Amount 5.5 Stree Nidhi has introduced the system of payment of instant relief amount to family member on death of borrowing SHG member, covered under ‘Suraksha’ scheme. Under the scheme, an amount up to Rs. 5000 will be given instantly by the VO/SLF concerned on the day of death of a member

5Chapter -

16Stree Nidhi16

itself to meet funeral and other expenditure. The instant relief amount paid by a VO/SLF will be adjusted by Stree Nidhi out of the claim amount settled at later date.

Online Work Module5.6. To strengthen the monitoring mechanism of staff in the field, Stree Nidhi developed and deployed an online system to record daily work done reports and generate TA & DA bills automatically. The real time of visits of field staff to the location of work and distance travelled as also time spent are captured through Google API. The system provides MIS reports for RMs and ZMs to monitor the functioning of field staff on a real time basis. This also enabled online generation and submission of TA & DA bills where they are processed and amounts are paid through the existing Electronic Fund Management System (EFMS). The online module has resulted in effective monitoring of staff, increased their productivity and also prevented delay in submission of bills manually and also delay in settlement of bills. It is a very unique intervention.

Brochure on functioning of Stree Nidhi5.7. In order to reach members of SHGs at grassroot level in villages and slums, Stree Nidhi has published a 12-page brochure in Telugu covering Stree Nidhi services, policies and advantages of availing loans from Stree Nidhi. Awareness programs have been conducted in villages/slum areas and brochures were distributed in such programs creating more awareness in the community.

Staff Recruitment5.8. To meet the growing needs for monitoring portfolio and effective delivery of financial services to SHG members with accountability, Stree Nidhi has recruited 125 Assistant Managers and positioned them in field. The operational area per staff is now compact providing scope for close, effective monitoring and support to community.

Training on Banking to Stree Nidhi Staff5.9. In order to improve the knowledge levels of Stree Nidhi staff on basic banking, a 2-day training program was organized at Telangana State Cooperative Apex Bank (TSCAB). Staff were imparted training on various aspects of banking services, practices, and operations. This has helped staff to improve liaison with bank branches and address bank related issues.

Resource mobilization from Financial Institutions of Govt. of India5.10. Stree Nidhi in its efforts to mobilize low cost financial resources, endeavored to mobilize the same in the form of term loans from different Central Govt. institutions, viz. National Cooperative development Corporation (NCDC), National Scheduled Tribes Finance and development Corporation (NSTFDC), National Schedules Castes Finance and Development Corporation (NSFDC), National Backward classes Finance and Development Corporation (NBCFDC), and National Handicapped Finance and Development Corporation (NHFDC). So far, Stree Nidhi availed term loans to the tune of Rs.680 cr. from these institutions.


BI Reports5.11. As a part of strategy for strengthening monitoring mechanism further along with robust MIS, Stree Nidhi introduced a system wherein granular analytical reports are being provided to Staff at all levels through Power BI. Stree Nidhi has developed and deployed BI reports on credit, deposits and Financial Inclusion (BC points) verticals.

Enhancement of Loan under Suvidha5.12. The maximum amount that can be availed under Suvidha loan producthas been enhanced to Rs. 30,000 for A and B grade VOs/SLFs from Rs. 25,000.

Job chart for Field Functionaries 5.13 In order to enable field functionaries in all cadres to discharge their roles and responsibilities in an effective manner and to make them responsible to achieve desired performance, detailed job charts were issued to the field staff in the cadre of Assistant Managers, Managers and Regional Managers along with parameters for rating of their performance. This will ensure role clarity, improvement in field visits and also bring the best out of the staff. The supervising staff will be able to monitor the performance in a systematic manner as per the job chart.

Conduct of Strategies meet and visioning exercise5.14. In order to devise suitable strategies for excellence and vision planning, Stree Nidhi organized a two day strategy meet in May 2019. Senior officers of Stree Nidhi, under the guidance of professional experts, viz. Ex-CGM, NABARD, CEO, MAS and Principal Secretary, R&D, Govt. of

Telangana have given valuable inputs for evolving suitable strategies to strengthen the ability of institution to deliver credit and other services to community more effectively.

Participation in International Cooperative Trade Fair at New Delhi5.15. Stree Nidhi, being an apex cooperative, has participated and exhibited its credit delivery model and financial services offered to SHGs in the “International Cooperative Trade Fair“ organized by NCDC, at Pragathi Maidan, New Delhi in Oct 2019.

National Seminar on Stree Nidhi at NIRD - A digital innovation in Indian Micro Finance Sector5.16. A two-day National Seminar on Stree Nidhi was organized by NIRD & Panchayat Raj, NIRD in Nov 2019, as a part of their research project on Stree Nidhi. The CGM NABARD, Dy Director NIRD & PR, other experts of the country have participated in the seminar and guided the discussion on the delivery model of Stree Nidhi and its impact on community.

18Stree Nidhi18

Mobilisation of Resources

6.1. Stree Nidhi in co-ordination with SERP and MEPMA has implemented many initiatives and created awareness among the members on availability of timely, affordable and hassle free credit services which resulted in increased demand for credit particularly for livelihood enterprises. In order to meet expanding credit needs of SHG members in rural and urban areas, it is imperative for Stree Nidhi to mobilize financial resources from various sources.

6.2. Stree Nidhi, an apex federation of Co-operatives relies on the resources mobilised from member community savings by SHGs and their federations to reinforce cooperative spirit, as member stakes are of paramount importance. A major chunk of resources comprise of borrowing from banks and other financial institutions for onward lending to SHGs. The other financial resources of Stree Nidhi comprise of Share Capital, Reserves and surplus. The details of growth in resources from different sources in FY 2018-19 are given below.

(Rs. cr)

Type of Resource

2017-18 2018-19 Growth %

Share capital 123.15 170.62 38.55

Reserves and Surplus

154.92 202.94 31.00

Grants from State Govt

56.76 56.76 0.00

Deposits 521.08 597.95 14.75

Bank Borrowings

1602.29 2202.25 37.44

Total Resources

2458.2 3230.52 31.42

6.3. An analysis on growth of various resources is mentioned below

Share Capital6.3.1. Apart from the State Government the Federations of SHGs viz Mandal Samakhyas and Town Level Federations as share holders are contributing towards share capital of Stree Nidhi. Further, members contribute 2% of their borrowings to savings of MS/TLF which subscribe to share capital of Stree Nidhi, ensuring continuous growth in share capital. Increased own funds due to increased share capital enables mobilisation of more resources for onward lending to SHGs. The growth in share capital contributed by the State Government and Federations of SHGs up to 31.03.2019 are furnished in table 3 of part - C of this report.

Savings by Community 6.3.2. Various deposit schemes have been introduced by Stree Nidhi over a period viz., Samruddhi, Sankalpa, CIF Corpus Deposit and Ujwala so as to mobilise savings from

6Chapter -


SHGs and their federations. This would not only increase own resources but also promotes the ownership of community in the institution. The amount mobilised under these schemes in the last three years is furnished in table 4 (a) & 4(b) of part - C of this report:

(Rs. cr)Year Sankalpa CIF

Corpus Samruddhi Total

2016-17 74.61 168.11 187.56 430.282017-18 87.31 179.79 253.13 520.232018-19 103.19 185.04 309.49 597.72

The salient features of the savings schemes are furnished below:

ParticularsName of Savings Scheme

Samruddhi Sankalpa CIF- Corpus UjwalaWho can deposit SHGs ZS, MS and VO MS SHGs

Minimum Deposit amount

Rs. 100/- per month MS/ZS– Rs.50,000/-VO – Rs.10,000/- - Rs. 1000/-

per month

Maturity period

Amount saved in 12 months along with interest will be converted to fixed deposit for 5 years.

3 years Perpetual Deposit 48 Months

Rate of Interest 7.5% P.A(1% above SBI rate of interest)

8% P.A 9% P A8.5% P.A (Quarterly Compounding

Interest Payable On Maturity

Quarterly for deposits less than Rs.1 LakhMonthly for deposits above Rs.1 lakh

Monthly On Maturity

Comparison of the rate of interest on deposits with similar tenure offered by Stree Nidhi with 5 Banks in the state is presented below:

Deposit Scheme

Rate of Interest (%)

Stree Nidhi SBI Andhra Bank Syndicate Bank Canara Bank Bank of Baroda

Samruddhi 7.50 6.25 6.10 6.25 6.25 6.25

Sankalpa 8.00 6.25 6.10 6.25 6.00 6.25

Corpus 9.00 6.25 6.10 6.25 6.25 6.25

Ujjwala 8.5 6.25 6.10 6.25 6.25 6.25

Stree Nidhi has made efforts to leverage low cost funds from GOI institutions like NCDC, NSTFDC, NBCFDC, NSFDC and NHFDC

Borrowings 6.3.3. The borrowings are in the form of Cash Credit Limits and Term loans from Banks and Financial Institutions. Considering the financial strength and rating, Banks and

20Stree Nidhi20

Financial Institutions are comfortable to take exposure to Stree Nidhi. The credit limits

and outstanding under term loans as on 31.03.2019 are furnished below.

(Rs. cr)

S. No. Name of the Bank Cash Credit Limits Sanctioned

1 Andhra Bank 5002 State Bank of India 5003 Bank of India 964 Canara Bank 1005 T S Cooperative Apex Bank 4306 Bank of Baroda 757 Indian Bank 2508 Indian Overseas Bank 50a Total 2001

Term Loans Outstanding9 ABFL 4

10 NABKISAN 511 NSTFDC 15012 NCDC 50b Total 209

Grand Total (a+b) 2210


Financial Performance

7.1. Highlights of performance in respect of key financial parameters for the last two financial years are mentioned below.

(Rs. cr)Sl. No. Particulars 2017-18 2018-19 Growth (%)

1 Share capital from State Government 43.52 43.52 -2 Share Capital from MS / TLF 79.64 127.10 59.593 Grants from State Govt. 56.76 56.76 -4 Reserves and Surplus 154.93 202.94 30.995 Own Funds 767.78 924.88 20.466 Deposits 521.08 597.95 14.757 Borrowings - Outstanding 1602.29 2202.21 37.448 Loans outstanding 2427.32 3183.55 31.159 Loans disbursed 1835.55 2320.17 26.40

10 Gross NPA 19.17 16.31 (-14.92)11 Gross NPA% 0.79 0.51 (-35.44)12 Net NPA 0.00 0.00 -13 Loan loss provisions 24.36 31.86 30.7914 Net profit 58.91 66.97 13.6815 Dividend Rate % 11.00 12.00 -

Own funds7.2. Own funds have increased to Rs. 924.88 cr in 2018-19 as compared to Rs.767.78 cr in FY 2017-18 showing a healthy growth rate of 20.46%.

7.4. The growth is mainly due to increase in core deposits and share capital during the year.

Asset Quality7.5. The loan portfolio of Stree Nidhi has increased from Rs. 2427.32 cr as on 31st Mar 2018 to Rs. 3183.55 cr as at the end of Mar 2019, registering a growth of 31.15% on year on year basis. As on 31st March 2019 non performing

7.3. Earning Performance and Financial Analysis(Rs. cr)

Sl. No Income Source 2016-17 2017-18 2018-191 Interest on Loans & Advances 164.21 251.45 305.462 Interest on Bank Balances and Investments 4.02 3.95 3.833 Other Income 1.69 0.68 1.07 Total Income 169.92 256.08 310.36

Expenditure 1 Interest paid on deposits 29.64 36.02 44.292 Interest on Borrowings 63.76 107.79 138.883 Interest margin payable to Vos/SLFs 10.75 23.25 26.504 Interest margin payable to MSs /TLFs 1.25 6.54 5.715 Operating Expenses 9.81 17.29 20.516 Loan Loss Provision 4.76 6.28 7.50

Total Expenditure 119.96 197.17 243.39 Net Profit 49.96 58.91 66.97

7Chapter -

22Stree Nidhi22

assets stood at Rs. 16.31 cr constituting 0.51% of the total loan outstanding. It is pertinent to mention that during the year the NPAs have declined not only in % terms but also in absolute terms as compared to the year 2017-18. Provision made for NPAs as on 31.03.2019 was Rs. 31.86 cr The Net NPA continued at zero as at the end of 31.03.2019. During the year, the repayment rate of the loans was 98% against demand.

7.6. Total income and expenditureTotal income for the year 2018-19 has increased to Rs. 310.36cr from Rs. 256.08 cr for the year 2017-18, achieving growth rate of 21.20%. Expenditure for the above period has increased from Rs. 197.17cr to Rs. 243.39 cr, increasing by 23% in FY 2018-19. The increase in expenditure was on account of increase in borrowings, and other operational expenditure due to increase in staff strength.

Analysis on Segment wise Share in Income (Rs. cr)

Particulars2017-18 2018-19

Amount % to total Income Amount % to total Income

Total Income 256.08 310.36

Interest on Loans 251.46 98.2 305.46 98.42

Interest on Investment 2.56 1.0 2.63 0.85

Interest on Bank balances 1.39 0.54 1.2 0.39

Loan Risk fund service charges 0.13 0.05 0.51 0.16

Channelising Agency Service 0.09 0.04 0.02 0.01

Income from BC activities 0 0 0.2 0.06

Membership Fee 0.45 0.18 0.35 0.11

7.7. The interest income has increased from Rs. 251.46 cr as on March 2018 to Rs. 305.46 cr as on March 2019, registering a growth

of 21.47%. The interest income constitutes 98.42% of the total income where as other income constitutes only 1.58%.

Analysis on segment wise share of expenditure to total income

(Rs.cr)

Particulars2017-18 2018-19

Amount % to total Income Amount % to total Income

Total Income 256.08 310.36

Interest on Bank Borrowings-Cash Credit 82.02 32.03 118.12 38.06

Interest on Bank Borrowings-Term Loans 25.76 10.06 20.74 6.68

Interest on deposits 36.01 14.06 44.28 14.27

Administrative Expenditure 5.68 2.22 8.96 2.89

Operational Expenditure 7.68 3.00 8.46 2.73

Other payables and provisions 40.04 15.64 42.79 13.79


7.8. The interest expenditure has increased from Rs. 143.79 cr as on March 2018 to Rs. 183.14 cr as on March 2019 due to increased borrowings. The administrative expenditure constituted 2.89%,while operational expenditure constituted 2.73%.

Net profit7.9. There is a steady growth in net profit earned by Stree Nidhi. During the year 2018-19, the net profit was Rs.66.97 cr as compared to Rs. 58.91 cr in FY2017-18, showing a growth rate of 13.68% on y-o-y basis.

Cost to Income analysis

(Rs. cr)

Particulars2016-17 2017-18 2018-19

Amount % to Total Income



Total Income 169.92 256.08 310.36

Interest on Borrowings 63.76 37.52 107.79 42.09 138.87 44.74

Interest on Deposits 29.65 17.45 36.02 14.07 44.29 14.27

Operational Expenditure 7.55 4.44 13.37 5.22 17.44 5.62

Interest shared to VOs/SLFs (1.25%)

10.75 6.33 23.25 9.08 26.50 8.54

Interest shared to MSs/TLFs (0.25%)

1.25 0.74 6.54 2.55 5.71 1.84

Incentives to SNRPs 1.20 0.71 0.96 0.37 0.00 0.00

Incentives to SERP and MEPMA 1.00 0.59 2.91 1.14 3.03 0.98

Loan Loss Provision 4.76 2.80 6.28 2.45 7.50 2.42

Provision for Education Fund 0.05 0.03 0.05 0.02 0.05 0.02

Total Expenditure 119.97 70.60 197.17 77.00 243.39 78.42

24Stree Nidhi24

7.10. A comparative picture on interest income and interest expenditure for the last three years is furnished below.

7.11. A comparison of borrowings, lending rates and margin of Stree Nidhi and other MFIs is shown in the diagram.

Financial AnalysisCost of Funds and Interest margin:7.12. The cost of funds decreased from 8.50% to 8.43% in the F.Y 2018-19 as compared to previous year mainly on account of decrease in the interest on borrowings from banks.

Yield on Advances and Net Interest Margin: 7.13. The yield on advances was at 13.15% for the FY 2017-18 and 12.30% for FY 2018-19. Net interest margin was lower at 4.92% for FY 2018-19 as compared to 5.63 % for FY 2017-18. The decrease was due to increased borrowings in total working funds.

Key RatiosSl. No Particulars 2017-18 2018-19 Profitability Ratios

Return on Equity (%) 41.18 34.19 Return on Assets (%) 2.60 2.23 Return on Capital Employed (%) 26.40 27.04 Return on Net Worth (%) 1.76 1.56

Net interest margin (%) 5.63 4.92Financial Risk Ratios

Debt Equity Ratio (times) 2.09 2.38 Interest Coverage Ratio (times) 1.41 1.37 Capital to Risk Weighted Assets Ratio (%) 31.33 28.82

Current Ratio (times) 1.79 1.61Other Ratios

Operational cost to Average working funds (%) 0.71 0.72 Average Borrowings to Average Working Funds (%) 61.03 62.71 Gross NPA (%) 0.79 0.51

Per employee loan portfolio outstanding (Rs. Cr) 12.20 9.12Operational Self Sufficiency (% ) 162.65 152.65Financial self sufficiency (%) 129.88 127.52


CRAR7.14. Capital Adequacy Ratio was comfortable at 28.82 there is a decrease as compared to 31.33% in FY2017-18, due to expansion of loan portfolio over the year 2017-18.

Return on Assets7.15. Return on assets during the FY 2018-19 was at 2.23% as compared to 2.60% in FY 2017-18 and the decrease in ROA is due to reduced interest margin during the year. It is on account of increased share of borrowings in working funds.

OSS and FSS7.16. Operational Self Sufficiency Ratio was 152.65% for FY 2018-19 as compared to 162.65% for the year 2017-18.Financial Self Sufficiency ratio was at 127.52% for FY 2018-19 as compared to 129.88% for

FY 2017-18.These ratios indicate that the earnings of Stree Nidhi reflect the strength and consistency of the institution in meeting all expenses.

Debt Equity Ratio7.17. Debt Equity ratio has increased from 2.09% in FY 2017-18 to 2.38% in FY 2018-19.Howerver,Debt Equity ratio is much lower as compared to permissible ratio in microfinance sector.

Operational Cost to Average Working funds 7.18. Operational cost to Average working funds ratio has marginally increased to 0.72% for the year 2018-19 as compared to 0.71% for 2017-18.This indicates competitive advantage of Stree Nidhi due to last mile services provided by SHG federations.

Interest Coverage Ratio7.19. The Interest coverage ratio is maintained at 1.37% during the FY 2018-19 which indicates the capacity to service interest to banks on borrowings of Stree Nidhi.

Appropriation of Net Profit for FY 2018-197.20. As per the Co-operative Societies Act, 1964, it is mandatory to provide 25% of net profit towards statutory reserve as per the provisions of Sec 45.3 (a). Further it is proposed to appropriate net profit towards other purposes as mentioned in the table below.

26Stree Nidhi26

Particulars of funds (Rs. cr)

Net Profit earned 66.97

1 Statutory Reserve (25% rounded) 16.74

2 Dividend @ 12% on share capital (170,62,44,547) 20.47

3 Building Fund @10% profit 6.697

4 Staff Medical & Welfare Fund @ 1% profit 0.67

5 Community Benevolent @0.25% 0.16

6 Institutional building activities of SERP and MEPMA @ 5% 3.34

7 Neighbourhood centers (NHC) @ 2% 1.33

Total allocation of profit 49.41

Accumulated profit ploughed back to loaning 17.56

Dividend paid7.21. Stree Nidhi has been paying dividend to the federations of SHGs i.e. MSs/TLFs, State Government, being the share holders, the rate of dividend paid has increased consistently from 7% to 11% for the last 4 years i.e from F.Y 2014-15 to F.Y 2017-18 and @12% for FY 2108-19 (proposed).

7.22. External appraisal of Stree Nidhii Audit by Cooperative Department for F.Y 2018-19

The Cooperative department, Govt of Telangana completed audit of Stree Nidhi for FY 2018-19 and issued Audit certificate. Stree Nidhi has been awarded “A” grade by the Cooperative Auditors for the year indicating excellent performance in all spheres of Stree Nidhi activities.

ii Rating of Stree Nidhi

Stree Nidhi has been rated by M/S Brickwork Ratings India Ltd with “BWR A- out look stable” in the year 2018-19 reflecting sound financial health of Stree Nidhi.


Credit Outreach

Loan Policy8.1. To meet the credit requirements of needy members of SHGs both in rural and urban areas, loan policies and products of Stree Nidhi are made community oriented from time to time within the ambit of guidelines of RBI. The salient features of the present policy are as follows.

No of eligible members per SHG8.2. The number of eligible members to access credit in a SHG under different loan products and maximum loan limit depends on total members in a SHG and the same are summarized below.

S. No.

No of mem-

bers in a SHG

No. of members eligible to access loans Maxi-

mum loan limit(Rs.

lakh)

Permis-sible No. of

borrow-ers

Suvidha Pragathi/ Akshaya

Min. Max. Min. Max.

1 14 and above

11 4 7 4 7 3.75

2 12 - 13 9 3 6 3 6 3.00

3 10 - 11 8 2 6 2 5 3.00

4 7-9 6 2 4 2 4 2.00

5 5 -6 4 2 2 2 2 1.50

8.3. The total number of members eligible to access loans is always less than the number of total members in SHGs so as to ensure peer pressure for utilization of drawing power and to ensure prompt repayment.

8.4. As per the policy in vogue, in addition to maximum loan amount that a SHG can avail, an additional Sowbhagya loan of up to Rs. 3.00 lakh per SHG is made available subject to maximum 5 loans per VO/SLFs within the available drawing power of VO/SLFs.

Allocation of credit limits to VOs/SLFs 8.5. Annual Credit Plan of Stree Nidhi is arrived at based on expected loan demand subject to availability of resources. The demand for credit is estimated considering the number of potential borrowers subject to maximum number of borrowers allowed per SHG and the total number of SHGs eligible depending on savings in Samruddhi deposits in a VO/SLF.

8.6. Allocation of credit limit to the VO/SLF will depend upon its grading and that of MS/TLF to which it is affiliated. Grading of federations is done based on own funds, regularity in conducting EC meetings, attendance of members in EC meetings, book keeping, net profit, savings, recovery of Stree Nidhi loans and legal compliance. The credit limits for the federations are revised based on the grading done once in a year. The federations with higher grades will be rewarded with higher credit limits and of the same certain portion is allocated to POP members in proportion to the total no. of members in VO/SLF.

8.7. Presently, maximum limit allocated to a VO/SLFs is Rs. 72 lakhs, within this limit amount repaid by SHGs can be lent to needy members of other SHGs in that VO/SLF. The limits allocated to VO/SLFs based on the grade and to MS/TLF concerned are mentioned in table no 5 of part - C.

Loan Products8.8. Stree Nidhi endeavours to extend loans to needy members of SHGs both for consumption and income generation purpose (IGAs). Stree Nidhi has

8Chapter -

28Stree Nidhi28

customized loan products for financing micro enterprises taken up by poor. To encourage loans for taking up higher order livelihoods, credit policy encompasses the following features.

• Meeting the credit requirements of the new enterprises/ expansion of the existing ones.

• Project based lending including for clusters

• Financing the FPGs and FPOs• Co-ordinating with SREP, MEPMA,

NGOs and other line departments associated with promotion of livelihoods

8.9. Depending on quantum of loan amount per member, the loan products are categorised as shown below:

Type of Loan Amount of Loan (Rs.)Suvidha Up to 30,000Pragathi >30,000 to 50,000Akshaya >50,000 to 100,000Sowbhagya >100,000 to 300,000

8.10. In addition to the above loan products, the following special loan products are also introduced.

Purpose Amount of Loan (Rs.)

Smartphone Up to Rs. 6,000

Bicycle Up to Rs. 5,000

Auto/Trolley Up to Rs. 1,20,000

Laptop Up to Rs. 35,000

Construction of IHHL Up to Rs. 12,000

Purchase of Tablet PC Rs. 14,876

Ram lamb rearing Up to Rs. 50,000

Betel vine Cultivation Up to Rs. 80,000

Vegetable cultivation under pandal system

Up to Rs. 1,00,000

Floriculture Up to Rs. 1,00,000

Modular green house Up to Rs. 3,00,000

Suvidha loan (Loan up to Rs. 30,000)8.11. Suvidha loans can be accessed for both consumption and livelihood purposes in the ratio of 30:70 of the credit limit allocated under Suvidha. These loans can be accessed through Tablet PC available with VOs/SLFs. The OBs of VOs/SLFs are provided credentials for authentication of eligible members using Aadhar and escalate loan requests to Stree Nidhi.

Akshaya, Pragathi, Sowbhagya and for activities based on cluster level (Rs. 30,001 to Rs. 3,00,000).8.12. These loans can be availed only for taking up higher order livelihood enterprises for income generation by members of SHGs affiliated to VOs/SLFs with ‘A’ and ‘B’ grades which are federated to MSs/TLFs in ‘A’, ‘B’ and ‘C’ grades. Identification of members and their due diligence is conducted by SHG/VO/SLF concerned at the first stage and later by Stree Nidhi staff at various levels.

Loan Process8.13. Loan requests received from members are scrutinized by SHGs and then they approach VO/SLF concerned for making loan requests. SHGs are subjected to due diligence by VO/SLF, on aspects like functioning, past record in repayment and savings, skills, and capacity of member to take up activity, expected incremental income and loan amount required. A VO/SLF will thereafter will decide whether the loan request of the member can be considered.


Biometric Authentication of Borrowers 8.14. Tablet PCs were provided to VOs/SLFs mostly on loan basis to enable biometric authentication of borrowers at village/slum level in order to bring transparency in loan application process and there by prevent impersonation / benami loans.

Processing of Suvidha loans (Up to 30,000)8.15. These loans can be accessed through web portal or from the Tablet PC available with VO/SLFs. The OBs of VO/SLFs are provided credentials for authentication of eligible members using Aadhar and escalate loan request directly to Stree Nidhi, Head Office for sanction.

Preparation of Household Livelihood Plan (HLP)8.16. Proper assessment of credit needs is crucial not only for successful establishment of enterprises in a sustainable manner but also minimize credit risk. Stree Nidhi has introduced a system where in loan requirement and viability of a unit is assessed by preparing HLP for a SHG member in need of credit for higher order livelihood purposes viz. Pragathi, Akshaya and Sowbhagya. Stree Nidhi has prepared project profiles of about 100 livelihood activities which can be downloaded and prepared by interacting with needy members. Duly filled in HLPs can be prepared online and if net connectivity is not available, the same can be done offline as well and then can be uploaded.

Disbursement of Loans and Utilisation 8.17. Loan applications and documents from SHGs are preserved at VO/MS and documents obtained from members are kept with the SHGs concerned. Loan amount approved by Stree Nidhi is released directly to SB account of SHG concerned. VO/SLF concerned monitor loan utilization, establishment of unit by SHG member concerned. A utilization certificate has to be uploaded within 30 days from loan disbursement by VO/SLF concerned through Tablet PC. Stree Nidhi staff will verify all the above cases independently and certify the utilization of loans within 45 days from date of disbursement.

Repayment period8.18. All the loans have to be repaid in monthly instalments and repayment period is decided based on loan amount and incremental income expected from activity to ensure repayment of loans by borrowers in a convenient manner. The repayment period of loans depends on the loan amounts as given below:

Loan AmountRepayment

Period (No. of months)

Up to Rs. 25,000 24> Rs. 25,000 to Rs. 35,000 36> Rs. 35,000 to Rs. 50,000 42>Rs. 50,000 to Rs. 75,000 48> Rs. 75,000 to Rs. 3,00,000 60

Interest Subvention: Vaddi Leni Runalu (VLR)8.19. The scheme of Vaddi Leni Runalu is aimed at twin objectives of reducing interest burden on loans for enterprises

30Stree Nidhi30

and encourage promptness in repayment of loans by SHGs. The State Govt. is implementing interest subvention scheme, to reimburse interest paid by members if the loan installment (EMIs) is repaid within 30 days from due date. The amount of VLR will be passed on to SHGs as and when the VLR amount is received from the State Government.

Stree Nidhi as channelizing agency8.20. Stree Nidhi is functioning as a channelizing agency for releasing loans to Village Organizations for on lending to SHG members under various Government programmes, viz. SCSP, STSP, IWMP, NRLM, and SVEP implemented by SERP. During FY 2018-19, Rs. 4.41 cr. was disbursed to 729 SHG members.

Credit Disbursement analysis8.21. The aggregate credit disbursement made to SHG members during the financial year 2018-19 was Rs. 2318.32 cr. as compared to Rs. 1835 cr. in the year 2017-18, recording a growth of 26%. The growth in number of borrowers and number of SHGs that availed loan was 18% and 10% respectively. The cumulative disbursement of loans since inception stood at Rs. 8880 cr. as at the end of FY 2018-19. The growth in the disbursement and number of borrowers availed loan during the past 5 years is furnished below and year wise and district wise disbursement as on 31st March, 2019 are mentioned in the table 6 (a) and 6 (b) of part - C.

Geographical distribution8.22. The aggregate credit disbursed to SHG members during the financial year 2018-19 in rural areas (SERP) was at Rs. 2078 cr. constituting to 89% of the total credit flow as compared to Rs. 1636 cr. in the year 2017-18, recording a growth of 32%. The aggregate credit disbursed to SHG members in urban areas (MEPMA) was at Rs. 241 cr. which is 11% of the total loans availed as compared to Rs. 199 cr. in the year 2017-18, recording a growth of 21%. The trend in the disbursement made in the SERP & MEPMA areas during the past 5 years is furnished below:

Credit Flow in TPMU areas8.23. The credit flow in Tribal areas of the state is generally low for various reason. However, Stree Nidhi was able to increase credit flow in these areas almost by six times. Stree Nidhi was thus able to achieve its objective of reaching even remote areas.


Disbursement – Loan size8.24. Efforts to create awareness levels among the SHG members and introduction of new loan products to meet their varying credit needs have resulted in increase in average loan disbursement per SHG member and SHG. The average loan disbursement per member has increased from Rs. 28,838 in 2017-18 to Rs. 33,071 in FY 2018-19 and per SHG from Rs.1,06,642 in FY 2017-18 to Rs.1,13,666 in FY 2018-19. The trend of average loan disbursement per member and per SHG in the last five years is as shown below:

8.25. The Average loan disbursement to SHGs in VO/SLF and MS/TLF has shown a steady growth since inception. Which increased from Rs. 12.7 lakhs in FY 2017-18 to Rs. 13.24 lakhs in FY 2018-19. The increase in average loan disbursement per MS/TLF increased from Rs.320.89 lakhs in FY 2017-18 to Rs. 391.64 lakhs in FY 2018-19. The average loan disbursement per VO/SLF and per MS/TLF during the last five years was as shown below:

Loan Outstanding8.26. The total loan outstanding has recorded a growth of 31.14% and reached a level of Rs. 3174.02 cr. as at the end of March 2019 when compared to Rs.2420.33 cr. as at the end of March 2018. The district wise position of loan out standing is furnished in the table 7 (a) and 7 (b) of part - C.

Average Loan OutstandingTotal number of members with loan outstanding is 1760795. The trend in average loan outstanding per member, per SHG, per VO/SLFs and per MS/TLFs as on 31 March 2019 is as shown below:

• Average loan outstanding per member has increased from Rs. 16,425 in FY 2017-18 to Rs. 18,026 in FY 2018-19

• Average loan outstanding per SHG has increased from Rs. 87,537 in FY 2017-18 to Rs. 97,759 in FY 2018-19

• Average loan outstanding per VO/SLF has increased from Rs. 14,49,998 in FY 2017-18 to Rs. 16,97,610 in FY 2018-19.

• Average loan outstanding per MS/TLF has increased from Rs.4,14,44,118 in FY 2017-18 to Rs.5,29,88,667 in FY 2018-19.

8.27. The growth trend in loan outstanding during the last five years and member wise loan outstanding is depicted below.

32Stree Nidhi32

Product wise Credit Flow8.28. The credit requirements of the members both for consumption needs and income generation activities are met under three loan products namely Suvidha, Pragathi and Akshaya. Loans under Suvidha are utilized to meet both productive (IGAs) as well as consumption needs and loans under Pragathi and Akshaya are availed exclusively for taking up higher order income generating activities.

8.29. During the FY 2018-19 2,07,520 members have availed loans under Pragathi and Akshaya loans amounting to Rs.1111 cr. constituting 48% of total loans availed when compared to 4,93,546 members under Suvidha to the tune of Rs.1208 cr. constituting 52% of total loans availed. The growth in Pragathi/Akshaya loans was 105% during the FY 2018-19

whereas it was 73% during FY 2017-18.

8.30. The district wise loans disbursed under each category in FY 2018-19 is shown in the table 8 of part - C and overall product wise loans disbursed are as furnished below:

Sector wise Credit Flow8.31. The purposes for which SHG members have utilized loans are classified broadly into two categories – Consumption purposes and Income generation activities (IGAs). Income generation activities (IGAs) are further classified broadly into agriculture, activities allied to agriculture


and micro-enterprises. The share of loans availed for consumption purposes during FY 2018-19 was Rs. 255 cr. i.e., 11% of the total disbursement and the share of loans availed for IGA activities was 89% of the total disbursement accounting to Rs. 2,063 cr. as against Rs. 1633 cr. in FY 2017-18. The district wise credit flow is furnished in the table 9 (a) and 9 (b) of part - C. The sector wise credit growth in the last four years is depicted below:

Risk based Credit flow 8.32. Grading of federations of SHGs has bearing on allocation of credit limits to the federations and thus better functioning SHGs federations get higher allocation. The VO/SLF wise disbursement during the FY 2018-19 and loan outstanding based on the grading is shown below:

8.33 It is evident from the above chart that 95% of the total disbursement made was concentrated in the ‘A’ and ‘B’ grade VOs/SLFs. Likewise, concentration of loan outstanding is more in the VO/SLFs with grade ‘A’ and ‘B’ accounting to 98% of the total outstanding.

Social Category-wise Credit Flow8.34. Stree Nidhi has a policy to earmark credit limits to POP members in a VO/SLF based on their proportion to total SHG members in a VO/SLF. The district wise disbursement is furnished in table 10 (a) and 10 (b) of part - C. The social category wise credit flow in FY 2018-19 is furnished below

8.35. The details of the Number of members and amount financed under each category is furnished below.

Social Category

No. of members

Disbursement(Rs. cr.)

% of total disbursement

ST 46663 149.71 6.46

SC 143463 467.46 20.16

Minority 36253 115.54 4.98

BC 427420 1423.38 61.38

OC 47479 162.92 7.03

TOTAL 701279 2319 100.00

Outreach at a glance8.36. During the FY 2018-19, Stree Nidhi has reached as many as 7,01,066 members in 2,03,977 SHGs and cumulatively 23.08 lakh members since inception. The cumulative coverage of members, SHGs, VOs/SLFs, MSs/TLFs as on 31st March 2019 is given in the table below:

34Stree Nidhi34

Particulars TotalNumber availed loans

% coverage

SHG Members 51,82,846 23,08,893 44.55

SHGs 4,96,232 3,57,940 72.13

VOs/SLFs 22,362 19,216 85.93

MS/TLFs 614 602 98.05

VO/SLFs coverage8.37. The aggregate number of VO/SLFs that availed loans in the financial year 2018-19 was 17513 as compared to 14447 in the year 2017-18. The VO/SLFs coverage during the last five years is shown below:

Member and SHG wise coverage8.38. The aggregate number of members who availed loan in the financial year 2018-19 was 7,01,066 as compared to 6,36,467 in the year 2017-18, recording a growth of 10% whereas the growth in numbers of SHGs that availed loan has recorded a growth of 18%. The member & SHG wise coverage during the last five years is furnished below:

8.39. The coverage among all levels has been increasing year after year due to better awareness levels among the members on Stree Nidhi services and benefits that accrue to community from Stree Nidhi.

Customised loan products8.40. The progress made in financing customised loan products in the FY 2018-19 is furnished below:

Loan Product

Loan Amount per unit (In Rs)

No of Units

Financed

Loan amount

Disbursed (Rs cr)

Smart Phone 6000 43822 26.93

Bicycle 5000 12769 6.53

IHHL 12000 2715 3.45

Tablet PC 14876 15757 23.56

Dairy Financing8.41. Financing dairy activity has been taken up on a large scale on a project mode during the last four years which helped in augmenting incomes of SHG members. An out lay of Rs. 100 cr. was allocated for financing 20,000 milch animals during the FY 2018-19 against which of Rs. 109.13 cr. was disbursed to purchase 19880 milch animals during the year. The year wise number of milch animals financed during the last four years is furnished below:


Project based financing8.42. Keeping the concentration of the members pursuing a particular livelihood activity in a cluster, cluster based activities were identified and extended finance on a project mode. Such activities include cultivation of Betel vine, vegetables under Pandal system and floriculture. The progress made under these activities is given in the table below:

Loan Product

loan amount per unit

(Rs)

DurationNo of units

financed

Amount disbursed

(Rs. Lakhs)

Betel vine cultivation

up to 80,000

36months 48 39.65

Vegetable cultivation under pan-dal system

up to 1,00,000

60months 18 18.58

Floricul-ture-Mari-gold cultivation

up to 1,00,000

60months 21 21

Providing Tablet PCs to VO/SLFs8.43. Intensive use of technology enabled Stree Nidhi in delivery of credit and other financial services to community in an effective and transparent manner. To prevent benami loans and misuse of loans tablet PCs were provided to 18000 VOs/SLFs mostly on loan basis for borrower’s authentication through Aadhar, for preparation of HLPs and for accessing various reports for monitoring purposes.

Financing RSETI Trainees 8.44. Stree Nidhi is working in coordination with RSETIs to extend credit support to RSETI trained candidates who are either SHG members or belonging to family of SHG member. We have extended credit support to 221 members for setting up various enterprises.

Introduction of new loan products Sowbhagya8.45. As a strategy for financing higher order livelihoods of SHG members who intended to take up higher order micro enterprises, Stree Nidhi introduced a new loan product called Sowbhagya. Under this product, loans ranging from Rs 1.00 lakh to Rs 3.00 lakh per member will be provided. This is over and above the SHG limits and within the allocated credit limits of VO/SLF.

Modular green house8.46. Stree Nidhi introduced a new loan product for financing vegetable cultivation under Modular green house of eligible members of SHGs. Stree Nidhi has entered into MOU with Kheyti (a social enterprise started in 2015 with the mission to help small farmers battle income variability). The total cost of “Modular Green House” structure with integrated services is 3,30,000 (Which includes training, extension, inputs and providing market partners to sell the produce) out of which loan amount will be up to Rs. 3.00 lakhs with own contribution of 10% of the unit cost.

36Stree Nidhi36

Asset Quality8.47. Stree Nidhi has been successful in ensuring asset quality along with robust credit growth. As on March 2019, the

non-performing assets stood at Rs.16.2 cr constituting to 0.51% of the total loan outstanding with the net NPA at zero level. There was a net decrease in gross NPAs by 15% compared to previous year NPA level of Rs. 19.14 cr. constituting 0.79% of the total loan outstanding. The repayment rate of loans stood at 98% against the demand. The district wise performance on repayment and NPA are furnished in the table 11 (a), 11 (b) and 12 of part-C.


9Chapter -

Credit Management Mechanism in Stree Nidhi

9.1. Small loans require close and intense monitoring to prevent loan delinquency. In order to ensure delivery of credit and other financial services to SHGs, Stree Nidhi has put in place a multi-pronged monitoring mechanism.

9.2. Considering importance attached to monitoring there is a separate vertical at H.O for monitoring headed by an officer in the cadre of Deputy General Manager assisted by Assistant General Manager and supporting staff. For effective monitoring, Stree Nidhi has adopted geographical division of state to Zones and Regions. Each zone consists of 5-6 regions headed by Zonal Manager and each Region consists of 1 or 2 districts as operational area. The Zonal Managers and Regional Managers monitor the functioning of Managers/Asst. Managers who are placed at grass root level to implement the activities of Stree Nidhi.

9.3. The operational area of Asst. Manager/ Manager is one or two Mandal/TLFs and depending on the volume, more than two Mandals/TLFs are also allotted as indicated below:

No. of MSs /TLFs

No. of AMs

No. of Managers Total

1 132 15 1472 120 30 1503 38 3 414 4 1 55 1 16 1 17 1 1

Total: 296 50 346

9.4. The field visits undertaken by the field staff are monitored through TraceMATE

and online work module, envisaged to improve productivity of the employees.

Job charts & Performance Parameters9.5. Detailed job charts defining the roles and responsibilities along with rating parameters were provided to all the field functionaries.

Robust MIS for Monitoring9.6. A robust Management Information System (MIS) is evolved to provide detailed information on all performance parameters at all the levels in the organization. This generated analysis useful for effective organization of work, monitoring of credit plan, NPA etc. To give much more insights into performance, during FY 2018-19 more granular analytical tools are provided to all the staff in the form of BI reports. Heads of functional units at HO, ZMs, RMs and Managers/Asst. Managers are provided with a dashboard to gauge performance in their operational area on a real time basis.

Review Meetings9.7. DGMs of all functional units are reviewed at regular intervals along with their support staff at Head Office by Managing Director. Zonal Managers are reviewed by Managing Director and DGM at frequent intervals. Regional Managers are reviewed at Head Office once in a month to check out strategies for improving performance in tune with the targets. Managers and Asst. Managers are reviewed by the respective Regional Manager at monthly intervals and provide

38Stree Nidhi38

required inputs for achieving desired performance. In addition to the above interface meetings, review of performance is also done through video and audio conferences conducted with the field staff by Head Office as per need.

Role of Community in Monitoring9.8. SHG federations, viz. Zilla Samakhyas (ZS) MSs/TLFs and VOs/SLFs, play a key role in functioning and monitoring the operations of Stree Nidhi in the villages/slums. MIS reports have been made available to VOs/TLFs in the Tablet PC provided to them. VOs/SLFs and MSs/TLFs review the performance regularly in their monthly meetings based on the reports made available to them. Recovery committees are constituted with EC Members of ZS/MS/TLF to facilitate recovery of NPAs.

DRDOs as Nodal Officers9.9. State Govt. has positioned DRDOs of DRDA as Nodal Officers vesting them with the responsibility of monitoring the progress in credit plan, repayment, BC activities, and ensuring coordination

of SERP staff and Stree Nidhi. They also supervise the staff placed in the district.

District Level Stree Nidhi Review Committee (SNRC)9.10. At district level, Stree Nidhi Review Committee has been constituted, through notification issued by the State Govt. under the chairmanship of District Collector with DRDO as convenor. The representatives from SERP and MEPMA, Stree Nidhi, Heads of Line departments, LDM etc. are the members of the committee. The SNRC meetings are conducted once in a quarter not only to review the performance in credit flow and repayments but also to review implementation of livelihood activities and exploit potential for livelihood promotion with the support of Stree Nidhi in coordination with line departments engaged in such activities.

Review by MC 9.11. At state level, the performance will be reviewed by the MC of Stree Nidhi in its quarterly meetings and suitable strategies are drawn up to achieve the performance as per the corporate goals.


Credit Risk Mitigation and Social Audit

10.1. Stree Nidhi “Suraksha” is an intervention to mitigate risk keeping in view the vulnerable nature of SHG members. Every SHG member who avails loan from Stree Nidhi is covered under Stree Nidhi ‘Suraksha’, from the date of disbursement of loan till the end of loan period. The scheme is being implemented with effect from 1st April 2014 with the following objectives.

i. To protect the borrowers’ family members from financial risks in the event of death of a member of SHG.

ii. To safeguard the institutions of the poor (SHGs) from disintegration and repayment burden when a borrower SHG member dies with loan liability.

The members who avail loans will be charged a premium @ Rs.2.50/- per loan of Rs. 1000/- per annum and this amount is given as additional loan. The coverage of borrowers, year wise, is mentioned below.

Sl. No

Financial Year

Members covered (lakhs)

Families benefited

1 2014-15 3.29 -2 2015-16 4.02 5033 2016-17 4.63 10044 2017-18 6.44 19965 2018-19 7.37 2207

10.2. In addition to due diligence at SHG, VO/SLF level and by Stree Nidhi staff as also grading of SHG federations to mitigate credit risk, loan insurance and cattle insurance also insulate borrowers and Stree Nidhi from credit risk.

10.3. Out of amount settled, the extend of amount adjusted to loan accounts was Rs. 2.55 cr and balance refunded to bereaved families of SHG members was Rs. 3.11 cr

10.4. The status of claims settled under Stree Nidhi ‘Suraksha’ in the last three years is given below.

Suraksha Claims Status for past Three Years

S. No. Particulars 2016-

172017-

182018-

19

1 No. of Claims Registered 1074 2105 2379

2 Amount Claimed (Rs. crores) 2.50 5.52 6.13

3 No. of Claims Settled 1004 1996 2207

4 % of claims settled 93% 95% 93%

5 Amount settled (Rs. crores) 2.34 5.23 5.63

6 No. of Claims under process 70 109 172

7Amount to be settled (Rs. crores)

0.16 0.25 0.50

Community Based Claim Settlement Services10.5. The community is empowered to register the claims and submission of documents online to ensure claim settlement expeditiously. Suraksha App installed in all VO/SLF Tablet PCs enables

Covered 2.5 million borrowing members of SHGs under Suraksha

10Chapter -

40Stree Nidhi40

claim registration and documents uploading at village level itself. As a part of claim settlement process, instant relief amount upto Rs.5000/- is paid on the day of death of the borrower to family members of the borrower to meet funeral and other expenses. On settlement of the claim, the loan outstanding will be adjusted to the loan and balance amount will be paid to the family members of the deceased member through SHG concerned after deducting the amount paid as instant relief.

10.6. The SHG federations namely VOs/SLFs/MSs/TLF are also paid service charges for the services rendered @ Rs. 5/- per member enrolled. Further, VO/SLF is paid Rs.1000/- for each claim settled.

Livestock Insurance:10.7. Stree Nidhi has been implementing insurance scheme for dairy animals financed under

tie up arrangement with United India Insurance Company w.e.f. 26.05.2014. So far, 67,760 dairy animals financed by Stree Nidhi were covered under the scheme. The premium amount is given as additional loan to members concerned.

10.8. The animals are covered under a Master Policy and the claims are settled through federations of SHGs ie., VOs/SLFs. In case of death of dairy animal, the members are protected from the burden of repayment of loan outstanding as the same is closed from the proceeds of claim settlement.

10.9. The year wise coverage of animals and claims settled during the last five years is given below.

S. No. Financial Year Dairy Animals Covered

Claims Settled

Number % Total animal financed

1 2014-15 4682 0 02 2015-16 13351 43 0.323 2016-17 11261 351 3.124 2017-18 18556 528 2.855 2018-19 19910 851 4.27

Total Covered: 67760 1773 2.62

Till now covered 67760 Dairy

animals under Livestock

Insurance


Social Audit10.10. Stree Nidhi has adopted Social Audit of its operations, particularly to a financial institution which is unique. It is a mechanism to ensure compliance with checks and controls at grass root level. Social Audit covers verification of books of accounts of VOs/SLFs and SHGs, assets created out of loans, documentation compliance with checks and controls. On completion of Social Audit, observations made are discussed in Grama Sabha for

taking necessary follow-up action. Based on the feedback received on Social Audit. Stree Nidhi has taken various measures including refining polices to prevent frauds / misutilisation of loans at the level of SHG/VO/SLF.

10.12. For conducting Social Audit, services of Resource persons from community and TSSAAT, a specialised organisation of State Govt, are being utilised.

Social audit helps in governance and imparts

sense of accountability and transparency in SHGs, VOs/

TLFs and MSs/TLFs.

Conducting Gram Sabha creates awareness on the need to adhere to checks

and controls.

Conducting Gramasabha

Verification of assets by Social Audit Team

10.11. During the last five years i.e. from 2014 – 15 to 2018 – 19, 6676 VOs/SLFs out of 22485 VOs/SLFs were covered by Social Audit. There was misappropriation in 1532 VOs/SLFs involving Rs. 17.94 cr of which Rs. 13.16 cr has already been recovered.

• Stree Nidhi has taken an officer in the cadre of Deputy Registrar from Cooperative department. Necessary action has been initiated to recover the

balance amounts involved in misuse / misappropriation as provided in the State Cooperative Societies Act’ 1964.

Verification of records and loan documents

42Stree Nidhi42

Digitalization of Key Operations

11.1. Stree Nidhi embraced technology since inception to disburse credit within 48 hours in nook and corner of the state. Over a period, Stree Nidhi leveraged technology more and more in delivery of its services with transparency, bringing transformational changes in the way Stree Nidhi functions.

11.2. Tab-based loan origination system, for availing loans by the SHG members through authentication of borrowers using IRIS-AUA services and online appraisal system of higher order livelihood make Stree Nidhi unique. Incisive analytics, use of Business Intelligence reports and almost real time MIS makes monitoring very effective, reinforcing advantages of technology.

11.3. Stree Nidhi has world class IT systems in place to meet members’ needs and aspirations to access financial services at their doorsteps. Stree Nidhi has introduced online work module, a unique intervention, not only to mark attendance of staff in field for monitoring but also to capture work done to generate DA amount payable reducing drudgery involved.

11.4. Stree Nidhi has provided IT Infrastructure (Android Tabs, Laptops, Internet connectivity) to all staff Members and Tablets PC to 18000 Village Organizations/Slum Level Federations for speedy and transparent operations. This enabled digitalization of operations almost to a full extent

11.5. Tablet PCs have been deployed out for authentication of members intending to avail loan in a faster and accurate manner

with an integrated workflow system. Transactions pertaining to repayments, savings, attendance marking, and Loan Utilization check (LUC) can be performed at the doorsteps of the members, using UIDAI & STQC certified IRIS enabled Tablet PCs. Implementing this mobility solution has increased transparency, quality and productivity of staff reduced the TAT significantly.

EFMS and Work flow System11.6. It is one of the key element in IT eco system of Stree Nidhi. In order to reduce TAT for Loan Processing and deliver credit within 48 hours, tailor made and robust software for EFMS, Loan Management, Work flow and Process Management have been deployed. This has eliminated movement of physical documents between departments for loan processing facilitated, IVR, EFMS and Accounting modules, in all spheres of operations including various validations for credit access and implementation of credit history for responsible lending. The Work flow and Document Management Systems for loan processing have reduced overall turnaround time and thereby resulted in increase in productivity of staff.

11Chapter -


Interactive MIS11.7. Analytics are extensively used to maximize operating efficiency which are also used to monitor performance, target setting and for organization of work for the employees, and to optimize deployment of staff in the area of operations. Analytics-driven, business intelligence data through Power BI platform has also resulted in orderly credit portfolio.

11.8. Stree Nidhi opted for Government of Telangana’s Security Operations Centre’s (SOC), which provides highly secured resilience services to ensure continuous business operations for conducting financial transactions in a hassle-free manner. The hyper converged solution provides Stree Nidhi a well-managed, round-the-clock solution designed to support application continuity and reduce business expenses and data loss, while ensuring always-on operations. Hyper converged solution provides faster, streamlined recovery and manages complete IT application infrastructure through TCS’s remote monitoring centre in Hyderabad. The solution enables replication of entire systems including system files, databases, applications and user data in real time, in a way that is independent of the make and model of the underlying hardware. In the event

of unexpected downtime, Stree Nidhi can restore 100% functionality within minutes of time.

Launch of Android based App for SHGs named “Mana Stree Nidhi”11.9. Mana Stree Nidhi is an android based mobile app launched for the use of all SHG members, to access information on their borrowings, repayments, deposits through their smart phones. This app can be downloaded from Google Paly Store at any point of time and can be used by more than 3 lakhs SHG groups which are having smart phones. It is a revolutionary step enabling SHGs to monitor and manage Stree Nidhi activities digitally up to member level with ease.

44Stree Nidhi44

Financial Inclusion - Stree Nidhi as Business Correspondent to Banks

12.1. Providing access to financial services to the poor plays a key role in inclusive growth and to ensure banking services to the community, Stree Nidhi also forayed into Business Correspondent activities. In the State of Telangana, Stree Nidhi is functioning as corporate BC to the State Bank of India and Andhra Bank. These Banks have allotted 1200 BC points to Stree Nidhi and as on date BC points were successfully established in 1074 villages by engaging VLEs, who are mostly SHG members, for operating BC Points. The services extended include not only banking services, but also extending Social Security coverage, disbursement of pensions and MGNREGS wages at the doorsteps of the community. Some of the BC points are also extending Government to Citizen Services in the villages in coordination with IT Department of State Government. The districts wise and bank wise BC Points functioning are indicated in Table 13 of part - C.

12.2. State Bank of India has allotted 950 sub-service areas consisting of 2-3 villages each and BC activities are conducted using KIOSK model. The KIOSK Point of each Business Correspondent is provided with a Laptop, Printer cum Scanner, Biometric

authentication device, webcam, mATM / PIN Pad, Data card and other required accessories for proper functioning.

12.3. Andhra bank has allocated 239 sub-service area locations of bank, and BC activities are being conducted by using Tablet PC, Printer, Micro ATM device operating on Android OS platform.

One Stop Shop (OSS)/ Palle Samagra Seva Kendralu (PSSK):12.4. Palle Samagra Seva Kendram initiative was taken in co-ordination with the State Government to provide Government to Citizen services to community at their doorstep. This initiative enabled them to access to various Govt. services like Land records viz. Adangal/ Pahani, Pattadhar Passbook; Income Certificate, Degree Online Services, Telangana (DOST), new Gas Connection Applications etc. These services are extended through 654 BC points. Efforts are being made to extend these services from other BC points, it will also augment of income of VLE.

Analysis on transactions12.5. Concerted efforts made by Stree Nidhi, over a period to propagate utility of BC points among the community, has resulted in spectacular growth both in number and volume of transactions.

12Chapter -


During the F Y 2018-19, the number of transactions has increased from 4.1 Lakh to 6.3 Lakh and transactions value has more than doubled from Rs 152 cores per month in April 2018 to Rs. 380 cores in the month of March 2019. The average

monthly commission earned by VLEs has also increased from Rs. 8,000/- in 2017-18 to Rs. 10,345/- in 2018-19 providing sustainable livelihood. The growth achieved during the period of 3 years is shown here under.

12.6. An analysis on average monthly commission of VLE is done and depicted below. Efforts are being made to increase earnings of VLE in the lower slab by providing better services in such areas.

12.7. The types of transactions done at VLE points were also analysed and as

may be seen from the following. AEPS Transactions accounted for 50% of the total transactions.

46Stree Nidhi46

Institutional Monitoring and Training

13.1. The federations of SHGs viz VOs/MSs in rural area and SLFs/TLFs in urban area, provide strong foundation for proper functioning of Stree Nidhi. They play key role providing last mile connectivity not only in purveying credit and other financial services to the needy members of SHGs but also in monitoring Stree Nidhi activities in field. It is further imperative that community institutions need to exhibit healthy performance.

13.2. There are 4.03 lakh SHGs in rural areas and 1.81lakh SHGs in urban area nurtured by SERP and MEPMA respectively, excluding SHGs in GHMC area of Telangana State. About 20-30 SHGs are federated into Village Organisations / Slum Level Federations and about 15 – 20 VOs/SLFs are federated into MSs/ TLFs.

13.3. Stree Nidhi conducts grading of these federations every year based on performance under prescribed key parameters evaluated on the basis of audit reports of Statutory Auditors as at the end of previous Financial Year. Based on the marks secured under various parameters, they are graded into A, B, C, D & E category. The CBOs which get higher grading are allocated higher credit limits. Regular grading encouraged the SHG federations to function in a more disciplined manner and to strive for improved functioning. The grading parameters and category wise VOs/SLFs and MSs/TLFs are given in Table 14, 15, 16, 17, 18, 19, 20 & 21 of part - C.

Role of Stree Nidhi in strengthening federations of SHGs financially13.4. Being a financial institution owned by federations of SHGs and State Govt, Stree Nidhi laid emphasis on financially strengthening the federations of SHGs namely VOs/SLFs/MSs/TLFs as a win win ecosystem is essential. The following measures were consciously taken for the purpose.

• Stree Nidhi pay 10% in interest realised to VOs/SLFs and 2% to MSs/TLFs not only to meet monitoring costs but also to strengthen them financially. It is one of the major source of earning of CBOs to meet their operational expenses and thus contributed in strengthening of CBOs.

• Stree Nidhi a social enterprise and therefore believes in sharing the profits with its stake holders. As a part of the effort, higher rate of interest is paid on savings of SHGs and their federations when compared to the rate of interest paid by banks for deposits of similar tenure. This increases income driving institutions towards self sustainability.

• Stree Nidhi has been paying dividend on share capital contributed by MSs/TLFs increasing year after year which has been contributing significantly to their financial health

• For strengthening IB activities, Stree Nidhi pays 5% of net profit to IB activities of SHGs and their federations

13Chapter -


in coordination with SERP and MEPMA as financial health of constituents is crucial for functioning of Stree Nidhi. A decision has been taken for provision of computers to MSs. Stree Nidhi also compensates SHG federations for the services rendered by them in settlement of insurance claims, pays

SIM charges for Tablet PC given to them and Support to NHCs by allocating 2% of net profit for maintenance of Neighbour Hood Centers under the supervision of SERP.

13.5. The amounts paid back to community by Stree Nidhi in different forms during the last five years given in the table below.

S. No. Particulars 2014-15

2015-16

2016-17

2017-18

2018-19

1 Interest Shared to VOs/SLFs (1.25%) 3.65 6.94 13.04 21.24 26.502 Interest Shared to MSs/TLFs(0.25%) 1.12 1.48 3.00 4.48 5.714 Incentives to SNRPs 0.88 1.09 1.22 0.58 0.50

7 Higher Interest payment on Deposits (After reducing payable on Deposits by bank) 1.33 3.66 4.97 7.35 9.98

9 Payment of Dividend 0.00 0.47 1.53 3.58 6.99

10 Allocation to IB activities passed to SERP (5% net profit) 0.00 1.71 2.30 2.94 3.34

11 Allocation to NHC (2% net profit) 0.00 0.75 1.00 1.17 1.3312 Scholarship to meritorious children of SHGs 0.00 0.00 0.20 0.49 0.60

13 Benevolent fund to Community (0.25% of net profit) 0.00 0.00 0.00 0.12 0.16

14Payment of service charges to VOs/SLFs/MSs/TLFs for services tendered for implementation of Stree Nidhi Suraksha and Cattle insurance

0.30 0.37 0.35 0.06 0.95

15 CUG charges paid to VOs/SLFs 0.48Total 7.28 16.47 27.61 42.01 56.54

Capacity Building and creation of Awareness in community13.6. Stree Nidhi laid emphasis of building capacity of the community to increase awareness levels on the activities of Stree Nidhi not only to gain their trust but also enthuse of SHG members to avail cost effective and timely credit in a transparent manner. While these efforts are done on ongoing basis, the fact is that a large number of members of SHGs are not aware of the services extended by Stree Nidhi. Stree Nidhi therefore embarked on educating the members through community resource persons. About 300 active members from community with good articulation skill were identified

named as Stree Nidhi Educating Helping Activities (SNEHAs). These SNEHAs were trained on all aspects of Stree Nidhi functioning and deployed to create awareness on Stree Nidhi products and services at member level in villages and slums.

SNEHAs Creating awareness to community at Village13.7 A large number of programmes were conducted for community to achieve the

48Stree Nidhi48

objectives of Stree Nidhi and particulars of the same are mentioned in the table below.

13.8. Particulars of trainings organized to communityTable- A: During FY 2018-19

S. No.

Training programmes / Orientations conducted

No of Participants

1Orientation to OBs of VOs/SLFs and VOAs on utilization of credit limits.

31,384

2Training to OBs of VOs/SLFs and VOAs on operations of Tablet PC Operation

60,356

3 Training to TSSSAAT DRPs 25

Table-B: During FY 2019-20S.

No.Training programmes / Orientations conducted

No of Participants

1 Training to VLEs on BC activities 75

2 Strategy meet for ZS OB members 113

3 SNEHAs selection and Training 320

4 Awareness to Community by SNEHAs 1,65,754

Publishing brochure on Stree Nidhi13.9. To propagate the activities of Stree Nidhi and advantages accrue to community, Stree Nidhi has published a brochure in Telugu and distributed to all 4.5lakh SHGs. This will go a long way in creating awareness in community and help them in accessing services from Stree Nidhi.


Corporate Governance

14.1. Corporate governance is the system of rules, practices and processes by which an organization is managed. It provides a framework for setting and attaining objectives of the organization. Stree Nidhi has put in place good governance practices with principles of fairness, accountability, responsibility and transparency as foundation. Being a community owned and managed financial institution, Stree Nidhi laid emphasis on devising policies and strategies involving community to deliver services to needy members in time and in a cost-effective manner.

General Body14.2. General body comprises of all the shareholders of Stree Nidhi and is the supreme decision-making body. The General body meetings are conducted twice a year to take major policy decisions and to communicate and review progress of the organization as envisaged under bye-law.

Managing Committee (MC)14.3 Managing committee members play a critical role in corporate governance. SHG Members who are the primary stake holders, are represented by members elected from SHG federations from both rural and urban areas. Senior Officials from State Government, as envisaged under TS Co-operative Societies Act’ 1964, are an integral part of the Managing Committee of Stree Nidhi. The policies are evolved by MC in line with the aspirations of community and financial prudence. Managing Committee meetings are conducted on a quarterly basis and

policies and procedures are evolved in tune with the emerging requirement.

Empowerment of community - Decentralizing decision making14.4. In addition to empowering community by involving them in policy making, SHG/VOs/SLFs as also MSs/TLFs in rural and urban areas are closely associated with the functioning of Stree Nidhi as they are empowered to conduct due diligence of members and recommend for granting loans monitoring. They are also empowered to authenticate members eligible to avail loans from Stree Nidhi, through Aadhar linked biometric enabled on Tablet PCs provided to them. The federations of SHGs also play a key role in ensuring end use, prompt repayment of loans, and insurance claims.

Stree Nidhi State Level Consultative Committee14.5. Stree Nidhi constituted a State Level Consultative Committee (SLCC) with all Zilla Samakhya Presidents, representatives from few TLFs and MC members of Stree Nidhi. SLCC meetings are conducted on a quarterly basis to interact and get feedback regarding policies and processes as also to elicit their views for devising new products, procedures, and strategies etc.

District Level Stree Nidhi Review Committee14.6. Stree Nidhi Review Committee (SNRC) Meetings are convened at district level by the DRDO, DRDA under

14Chapter -

50Stree Nidhi50

the Chairmanship of District Collector to review credit flow, loan recovery, promotion of livelihoods etc. These meetings are attended by Zonal / Regional Manager of Stree Nidhi, Lead District Manager, Officials of DRDO and MEPMA, and Heads of line departments. SNRC meetings provide a platform for exploring opportunities for convergence among various Government line departments and Stree Nidhi for financing livelihoods and to take measures for ensuring financial services in a hassle-free manner.

Usage of Technology14.7. Stree Nidhi has successfully leveraged technology for not only cost-effective delivery of financial services to SHG members but also to ensure transparency in operations. Usage of technology is pervasive in all areas of Stree Nidhi functioning right from application for loans, authentication of members, appraisal of HLPs online / offline, checks and controls, disbursement of loan through EFMS, providing MIS at different levels for monitoring by community and staff, settlement of insurance claims, asset verification, reconciliation of accounts, grading of institutions etc. Technology has empowered community and ensured utmost transparency in operations by making all relevant MIS reports available to SHGs and their federations. “Mana Stree Nidhi” mobile app will emerge as a powerful tool as it provides transactional information to each SHG.

Social Audit14.8. Stree Nidhi conducts social audit of its operations at VOs/SLFs/SHGs covering

all the financial transactions by the CARPs/TSSSAAT covering records, verification of end use, assets created and interaction with SHG members. The observations of social audit are placed before Gram Sabha for discussion and remedial measures. Social audit also creates awareness in community on systems and controls and fixes accountability for any deviation from norms.

Rating of VOs/SLFs for risk-based lending14.9. Allocation of credit limits to VOs/SLFs is done on the basis of Grades secured by them on an annual basis. The grading of VOs/SLFs is done based on various parameters of performance creating a system which rewards well-functioning VOs/SLFs.

Code of Conduct for Staff14.10. The confidence of community on Stree Nidhi is dependent on the reliability and responsiveness of employees. HR Policy lays out the code of conduct expected from the employees. All employees are expected to show high degree of integrity, sincerity, discipline, prudence and a result-oriented approach. Most importantly, the staff have to serve the community with passion and dedication.

Interest rate policy on deposits14.11. Stree Nidhi has adopted a policy in terms of which interest on deposits of SHGs, VOs/SLFs, MS/TLFs and ZS is paid at a rate higher than that paid by SBI on their deposits for similar tenure. The rate of interest is reset on 1st April of every year. The objective of the policy is to


ensure more income to the community on their savings.

Payment of interest margin to VOs/SLFs and MS/TLFs14.12 In order to strengthen the SHG federations and also to compensate them for their services rendered to the community on behalf of Stree Nidhi, Stree Nidhi presently pays 10% of the interest realized to VOs/SLFs and pays 2% of the interest to MSs/TLFs.

Financial reporting and independent auditor 14.13. The books of accounts of Stree Nidhi are audited annually by independent auditors and the audited financial statements are shared in the Annual report. There is also concurrent audit every month by a Chartered Accountant. In addition, Banks which have financed Stree Nidhi also send their auditors for verification.

DRDOs as Nodal Officers at district Level14.14. Stree Nidhi utilizes the services of SHGs and their federations as last mile for providing financial services. In this context, there is a convergence between SERP/MEPMA which nurtures the SHGs and their federations and Stree Nidhi at the field level. To ensure this convergence, Govt. has designated DRDOs, DRDA as Nodal officers of Stree Nidhi at district level. DRDOs will also supervise the staff of Stree Nidhi at field level and ensure to achieve district credit plan and other performance parameters.

Issuing Guidelines in English and Telugu14.15. Stree Nidhi issues all circulars, letters and other guidelines both in Telugu and English. Telugu version of official communication from Stree Nidhi to the federations of SHGs ensure that the rural women who lead the federations understand the guidelines issued from time to time leading to transparent and efficient operations.

52Stree Nidhi52

Part

- B

: Fin

anci

al S

tate

men

ts

54Stree Nidhi54

S.No District Name No. of Mandals No. of MSs No. of VOs No.of SHGs SHG Members

1 Adilabad 17 17 547 9337 979842 Badradri 22 22 979 17771 1589133 Jagitial 18 18 562 13401 1596334 Jangaon 12 12 453 10579 1197695 Jayashankar 11 11 363 7747 817046 Jogulamba 12 12 308 6249 693667 Kamareddy 22 22 720 16195 1627638 Karimnagar 15 16 522 12582 1351899 Khammam 20 20 985 23943 22612810 KomaramBheem 15 15 392 7290 7989011 Mahabubabad 16 16 664 14363 14598512 Mahabubnagar 14 15 462 10400 11545013 Mancherial 16 16 456 9228 10037714 Medak 20 20 518 12361 12961815 Medchal-Malkajgiri 5 4 115 2891 2983716 Mulugu 9 9 355 6984 6727417 Nagarkurnool 20 25 600 11160 12951918 Nalgonda 31 32 1141 27904 29236219 Narayanpet 11 11 341 7126 7622720 Nirmal 18 18 504 10553 11649321 Nizamabad 27 26 787 22096 22717622 Peddapalli 13 15 442 10450 10625323 RajannaSircilla 12 12 393 8856 9982224 Rangareddy 22 22 746 17581 19269225 Sangareddy 26 26 693 17209 17955426 Siddipet 23 22 712 16846 18382727 Suryapet 23 23 576 16895 17391628 Vikarabad 18 18 647 13897 14177329 Wanaparthy 14 14 336 6723 7808930 WarangalRural 16 15 558 13887 15436831 WarangalUrban 7 7 260 6417 7208232 YadadriBhongir 17 17 550 13811 143813

Total: 542 548 17687 402732 4247846

Table 1: SERP - District wise data on no.of SHG members, SHGs, VOs and MSs

Part - B: Tables


S.No. District TLFs SLFs SHGs Members1 Adilabad 2 83 2206 220602 Bhadradri 4 133 4107 410703 Jayashankar 1 29 806 80604 Jogulamba 2 79 1900 190005 Hyderabad 20 1285 58416 5841606 Jagtial 3 168 4827 482707 Jangoan 1 36 902 90208 Kamareddy 1 86 2287 228709 Karimnagar 4 228 6593 6593010 Khammam 4 247 6641 6641011 KomaramBheem 1 42 936 936012 Mahabubabad 1 91 2361 2361013 Mahabubnagar 4 171 4556 4556014 Mancherial 3 221 4963 4963015 Medak 1 53 1597 1597016 Medchal-Malkajgiri 2 255 7444 7444017 Nagarkurnool 4 90 1901 1901018 Nalgonda 5 220 6128 6128019 Nirmal 2 94 2424 2424020 Nizamabad 5 279 7325 7325021 Peddapalli 3 214 5195 5195022 RajannaSircilla 2 117 3012 3012023 RangaReddy 4 273 7223 7223024 Sangareddy 3 180 4820 4820025 Siddipet 4 132 4020 4020026 Suryapet 4 203 5080 5080027 Vikarabad 2 97 2328 2328028 Wanaparthy 1 69 1612 1612029 WarangalRural 2 67 1641 1641030 WarangalUrban 12 528 15141 15141031 YadadriBhongir 1 103 2899 28990

Total 108 5873 181291 1812910

Table 2: MEPMA - District wise data on no. of SHG members, SHGs, SLFs and TLFs

56Stree Nidhi56

MSs Amt. TLFs Amt. MSs & TLFs Amount

1 Adilabad 17 204.04 1 26.62 18 230.662 Badradri 21 343.94 4 90.65 25 434.593 GHMC 0.00 1 2.04 1 2.044 Jagitial 18 511.40 1 26.63 19 538.035 Jangaon 12 318.28 1 21.30 13 339.586 Jayashankar 10 143.04 0 0.00 10 143.047 Jogulamba 11 125.24 0 0.00 11 125.248 Kamareddy 22 508.58 1 25.95 23 534.539 Karimnagar 16 453.43 2 61.93 18 515.3610 Khammam 21 580.30 4 93.10 25 673.3911 KomaramBheem 15 127.44 1 22.27 16 149.7112 Mahabubabad 15 253.05 1 6.00 16 259.0513 Mahabubnagar 14 287.78 4 60.08 18 347.8614 Mancherial 18 310.74 3 77.20 21 387.9415 Medak 20 392.55 1 21.11 21 413.6716 Medchal-Malkajgiri 9 199.41 0 0.00 9 199.4117 Mulugu 8 92.79 0 0.00 8 92.7918 Nagarkurnool 20 221.76 2 20.41 22 242.1719 Nalgonda 31 681.26 2 42.77 33 724.0320 Narayanpet 11 139.30 0 0.00 11 139.3021 Nirmal 18 340.13 1 17.18 19 357.3122 Nizamabad 25 763.23 4 90.67 29 853.9023 Peddapalli 14 293.16 0 0.00 14 293.1624 RajannaSircilla 13 309.65 2 59.58 15 369.2325 Rangareddy 26 546.69 0 0.00 26 546.6926 Sangareddy 26 509.41 3 55.69 29 565.1027 Siddipet 22 530.21 4 101.47 26 631.6828 Suryapet 23 442.66 4 59.43 27 502.0929 Vikarabad 18 316.91 2 42.65 20 359.5630 Wanaparthy 14 223.86 1 8.00 15 231.8631 WarangalRural 15 449.05 1 44.72 16 493.7732 WarangalUrban 8 241.83 12 273.64 20 515.4833 YadadriBhongir 17 474.66 1 23.57 18 498.23

548 11335.79 64 1374.66 612 12710.45Total

SERP

Table 3: Share Capital Mobilised from SERP & MEPMA as on 31.03.2019(Rs. lakhs.)

S.No. District NameMEPMA Total


2017

2018

2019

2017

2018

2019

2017

2018

2019

2017

2018

2019

2017

2018

2019

2017

2018

2019

1A

dila

bad

91.8

615

6.77

265.

9358

58.0

012

.50

150.

0015

0.00

150.

0052

.97

52.0

652

.06

0.00

0.00

0.00

49.0

857

.08

65.0

82

Bad

radr

i39

8.43

685.

8885

6.31

0.00

0.00

15.0

023

.33

23.3

323

.63

181.

4720

5.60

211.

430.

450.

250.

2538

4.01

412.

9145

8.92

3Ja

gitia

l65

2.60

949.

6411

15.4

20.

000.

0015

7.89

384.

0040

4.00

404.

0020

7.64

241.

1226

3.52

0.00

0.00

0.00

690.

0072

0.00

720.

004

Jang

aon

475.

9876

3.40

846.

540.

0080

.00

102.

003.

190.

900.

9012

.45

13.1

413

.14

0.34

0.34

0.10

502.

8850

2.88

502.

885

Jaya

shan

kar

198.

0431

6.05

391.

310.

000.

0024

.20

79.0

079

.00

79.0

044

.05

47.3

023

2.80

0.00

0.00

0.00

411.

1052

5.10

533.

106

Jogu

lam

ba81

.54

145.

9818

6.03

0.00

5.50

52.8

637

.51

37.5

137

.51

0.00

0.00

0.00

0.00

0.00

0.00

163.

5016

7.00

175.

237

Kam

ared

dy73

8.07

1117

.38

1290

.52

0.00

0.00

136.

5034

7.50

594.

5064

5.00

63.5

092

.40

105.

650.

0031

.72

9.24

850.

8388

3.57

883.

578

Kar

imna

gar

621.

3892

2.91

1111

.93

600.

0060

0.00

126.

3213

3.00

150.

0015

0.00

96.6

083

.70

96.7

00.

000.

000.

0086

3.00

863.

0087

3.00

9K

ham

mam

880.

7614

20.1

217

40.1

20.

000.

0030

.00

64.9

866

.48

66.4

889

.24

106.

4411

8.20

0.00

12.1

25.

4690

0.83

1124

.50

1213

.56

10Kom

aram

Bheem

112.

2518

9.27

229.

120.

000.

0011

.54

33.0

033

.00

33.0

064

.85

65.0

265

.02

0.00

0.00

0.00

187.

0122

2.01

251.

0111

Mah

abub

abad

440.

1168

0.10

801.

290.

000.

0022

.00

2.64

2.64

2.64

79.6

779

.87

99.1

50.

001.

000.

0044

9.50

480.

5548

5.00

12M

ahab

ubna

gar

329.

2162

9.71

616.

4033

7.00

337.

0022

7.28

318.

4231

6.05

335.

4215

.71

16.2

617

.29

0.00

0.83

0.07

301.

0532

1.55

351.

5513

Man

cher

ial

430.

0563

9.31

739.

770.

000.

0013

.46

15.8

015

.80

15.8

034

.04

29.0

230

.52

0.00

0.00

0.00

539.

7156

0.21

586.

2114

Med

ak49

9.61

775.

8993

6.52

0.00

0.00

0.00

12.0

012

.00

12.0

024

.62

24.6

226

.62

0.00

0.00

0.00

772.

0078

0.50

780.

5015

Med

chal

-Mal

kajg

iri27

6.19

438.

0051

2.85

0.00

0.00

12.1

26.

006.

006.

000.

000.

000.

000.

000.

000.

0013

2.60

138.

6013

8.60

16M

ulug

u17

9.57

254.

5131

1.46

0.00

0.00

0.00

8.13

8.10

8.10

68.2

568

.70

144.

560.

000.

000.

0028

0.00

287.

0032

2.00

17N

agar

kurn

ool

345.

5852

2.39

627.

460.

0026

.50

135.

2548

3.85

488.

8554

6.35

46.4

047

.09

47.0

90.

000.

000.

0020

8.57

285.

0728

9.07

18N

algo

nda

897.

1915

00.3

818

50.8

413

5.00

135.

0015

9.49

61.7

269

.72

69.7

280

.79

358.

2259

1.38

0.00

0.00

0.00

752.

1089

2.17

948.

1719

Nar

ayan

pet

206.

5220

0.84

416.

210.

000.

000.

0042

.82

43.8

043

.80

3.55

0.00

0.00

0.00

0.00

0.00

240.

6826

0.10

263.

1020

Nirm

al35

6.11

573.

5669

9.96

0.00

0.00

12.5

052

.25

52.2

552

.25

132.

1412

1.01

121.

010.

000.

300.

0533

8.50

389.

5038

9.50

21N

izam

abad

1133

.69

1699

.65

1944

.34

373.

0042

8.00

291.

5023

8.00

398.

0054

5.00

35.7

061

.39

100.

890.

000.

050.

0512

29.7

012

61.7

012

61.7

022

Pedd

apal

li48

9.17

737.

7886

3.54

0.00

0.00

115.

7958

.00

71.0

071

.00

114.

7510

9.25

110.

250.

000.

000.

0061

5.40

620.

4062

0.40

23RajannaSircilla

397.

1459

7.88

701.

860.

0010

0.00

194.

7499

.00

99.0

010

0.00

189.

4419

3.51

194.

510.

000.

000.

0050

0.00

500.

0050

0.00

24R

anga

redd

y80

1.47

1260

.42

1495

.30

80.0

080

.00

178.

3722

7.38

241.

0824

3.58

40.4

853

.24

55.0

40.

000.

000.

0090

0.26

944.

0697

2.66

25Sangareddy

670.

9510

50.6

712

69.4

40.

000.

000.

0022

.35

22.3

525

.35

48.8

349

.83

49.8

30.

000.

100.

0074

0.92

763.

9279

0.92

26Siddipet

804.

5811

87.2

213

89.8

90.

000.

0010

4.40

81.1

581

.15

121.

1531

3.13

344.

0736

3.07

0.00

12.4

44.

1510

01.4

510

14.4

510

14.4

527

Suryapet

513.

7988

6.48

1149

.34

0.00

0.00

41.1

943

.50

50.5

050

.50

23.7

058

.04

62.0

40.

000.

000.

0049

6.42

589.

4261

8.22

28V

ikar

abad

324.

5651

8.31

662.

800.

000.

0049

.74

214.

1122

1.11

234.

1147

.01

46.7

647

.76

0.00

2.74

2.80

353.

3045

0.30

480.

3029

Wan

apar

thy

229.

1036

2.39

456.

030.

006.

0067

.36

175.

5417

5.54

175.

5412

.78

12.4

312

.43

0.00

0.00

0.00

361.

6637

8.66

386.

1630

WarangalR

ural

615.

6696

3.91

1114

.25

110.

0011

0.00

30.8

013

.05

13.0

513

.05

28.9

629

.38

29.3

80.

000.

000.

0060

5.06

595.

0659

5.06

31WarangalU

rban

272.

3342

6.61

502.

400.

000.

006.

6041

.00

41.0

041

.00

98.8

810

4.38

104.

380.

000.

000.

0023

9.05

239.

0523

9.05

32YadadriBhongir

554.

3586

7.59

1125

.84

0.00

0.00

32.0

330

.40

30.4

030

.40

42.5

853

.34

257.

570.

000.

000.

0069

9.50

748.

8279

5.72

Tot

al:

1501

7.84

2344

1.00

2822

1.02

1693

.00

1966

.00

2363

.43

3502

.62

3998

.11

4332

.28

2294

.17

2767

.18

3623

.29

0.79

61.8

922

.17

1675

9.67

1797

9.14

1850

4.68

ZS-S

anka

lpa

MS-

Sank

alpa

VO

- Sa

nkal

paB

havi

tha

Tab

le n

o 4(

a): S

ER

P - D

istr

ict w

ise

posi

tion

of d

epos

its a

s at t

he e

nd o

f Fin

anci

al Y

ear

SER

P

(Rs.

lakh

s.)

Cor

pus D

epos

itS.

No.

Dis

tric

t Nam

eSa

mru

dhi

58Stree Nidhi58

2017

2018

2019

2017

2018

2019

2017

2018

2019

2017

2018

2019

2017

2018

2019

2017

2018

2019

1A

dila

bad

42.4

261

.80

83.3

80.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

002

Bad

radr

i10

9.78

152.

3720

2.88

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

3Ja

gitia

l7.

8920

.91

31.7

00.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

004

Jang

aon

30.9

040

.26

53.2

70.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

005

Jaya

shan

kar

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

6Jo

gula

mba

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

7K

amar

eddy

21.3

832

.99

46.4

40.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

008

Kar

imna

gar

70.8

993

.75

139.

310.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

009

Kha

mm

am60

.97

119.

2416

7.44

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

10Kom

aram

Bheem

23.8

835

.16

46.1

00.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0011

Mah

abub

abad

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

12M

ahab

ubna

gar

58.8

578

.40

115.

050.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0013

Man

cher

ial

85.6

611

5.77

166.

880.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0014

Med

ak22

.04

29.3

341

.31

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

15M

edch

al-M

alka

jgiri

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

16M

ulug

u0.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0017

Nag

arku

rnoo

l0.

000.

0025

.29

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

18N

algo

nda

65.5

181

.45

110.

700.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0019

Nar

ayan

pet

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

20N

irmal

16.3

919

.45

27.8

10.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0021

Niz

amab

ad89

.52

141.

0420

1.87

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

22Pe

ddap

alli

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.10

0.10

0.00

0.00

0.00

0.00

0.00

0.00

0.00

23RajannaSircilla

58.0

676

.92

118.

050.

000.

000.

000.

000.

000.

003.

383.

380.

000.

000.

000.

000.

000.

000.

0024

Ran

gare

ddy

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

25Sangareddy

64.3

676

.57

116.

600.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0026

Siddipet

65.7

711

8.22

167.

620.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0027

Suryapet

57.8

276

.65

104.

730.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0028

Vik

arab

ad23

.65

45.5

662

.35

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

0.00

29W

anap

arth

y0.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0030

WarangalR

ural

30.1

438

.56

51.0

80.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

0031

WarangalU

rban

338.

5042

6.14

619.

170.

000.

000.

000.

000.

000.

000.

500.

500.

500.

000.

000.

000.

000.

000.

0032

YadadriBhongir

18.1

020

.46

29.3

20.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

000.

00T

otal

:13

62.4

819

01.0

027

28.3

50.

000.

000.

000.

000.

000.

003.

983.

980.

500.

000.

000.

000.

000.

000.

00G

rand

Tot

al:

1638

0.32

2534

2.00

3094

9.37

1693

.00

1966

.00

2363

.43

3502

.62

3998

.11

4332

.28

2298

.15

2771

.16

3623

.79

0.79

61.8

922

.17

1675

9.67

1797

9.14

1850

4.68

Cor

pus D

epos

it

Tab

le n

o 4(

b): M

EPM

A -

Dis

tric

t wis

e po

sitio

n of

dep

osits

as a

t the

end

of F

inan

cial

Yea

r(R

s. la

khs.)

S.N

oD

istr

ict N

ame

Sam

rudh

iZS

-San

kalp

aM

S-Sa

nkal

paV

O -

Sank

alpa

Bha

vith

a


Own Funds Up to 1.5 lakh

1.5-3 lakh >3 lakh Up to

1.5 lakh1.5-3 lakh > 3 lakh

No. of SHGs in a

VO/SLFs1-5 7.2 9.6 12 4.8 7.2 9.6 3.3 16-10 9.6 14.4 19.2 7.2 10.8 14.4 4.4 111-20 19.2 26.4 36 14.4 21.6 28.8 8.8 221-30 31.2 45.6 60 24 38.4 60 14.3 231 & above 38.4 55.2 72 28.8 48 72 17.6 2

No. of SHGs in a

VO/SLFs

C grade VO/SLF

D grade VO/SLF

1-5 3.6 4.8 6 2.4 3.6 4.8 1.2 16-10 4.8 7.2 9.6 3.6 6 7.2 2.4 111-20 9.6 13.2 18 7.2 10.8 14.4 4.8 221-30 15.6 22.8 25.2 12 19.2 21.6 7.2 231 & above 19.2 27.6 30 14.4 24 26.4 9.6 2

No. of SHGs in a

VO/SLFs1-5 3.6 4.8 6 2.4 3.6 4.86-10 4.8 7.2 9.6 3.6 6 7.211-20 9.6 13.2 18 7.2 10.8 14.421-30 15.6 22.8 25.2 12 19.2 21.631 & above 19.2 27.6 30 14.4 24 26.4

Table 5: Credit Limits(Rs. Lakhs)

1. VOS/SLFs in A, B & C Grade MSs/ TLFs

C grade VO/SLF

D grade VO/SLF

‘A’ grade VO/SLF ‘B’ grade VO/SLF

2. VOs SLFs in D Grade MSs/TLFs

‘A’ grade VO/SLF ‘B’ grade VO/SLF

3. VOS SLFs in E Grade MSs /TLFs

A grade VO/SLF B grade VO/SLF

60Stree Nidhi60

MSs

VO

s SH

Gs

SHG

M

embe

rsA

mou

ntM

SsV

Os

SHG

sSH

G

Mem

bers

Am

ount

MSs

VO

s SH

Gs

SHG

M

embe

rsA

mou

nt

1A

dila

bad

1299

695

2439

6.08

1314

211

1341

4511

.37

1632

217

5658

0616

.86

2B

adra

dri

2133

422

5967

1316

.95

2039

632

5411

132

32.0

821

608

4824

1531

150

.03

3Ja

gitia

l18

532

7305

2535

874

.12

1852

573

3825

254

80.3

218

531

7734

2646

687

.48

4Ja

ngoa

n12

373

4004

1280

138

.92

1237

544

3815

885

46.8

412

400

5241

1563

963

.54

5Ja

yash

anka

r9

144

1055

3245

9.04

914

811

9139

2511

.23

1020

217

2957

2216

.86

6Jo

gula

mba

659

466

1516

4.23

910

181

831

469.

1310

174

1355

4723

13.6

27

Kam

ared

dy22

623

7161

2178

160

.53

2263

080

6226

063

72.7

022

633

7571

2119

973

.67

8K

arim

naga

r15

507

6882

2368

468

.43

1552

777

2627

553

83.4

515

501

7670

2647

589

.81

9K

ham

mam

2066

652

2718

118

51.3

820

771

7502

2906

887

.31

2087

189

5530

501

110.

4910

Kom

aram

Bheem

1113

681

127

607.

1713

156

950

3169

8.29

1431

712

5838

2010

.74

11M

ahab

ubab

ad14

315

2992

9899

26.8

914

343

3256

1121

531

.58

1542

238

4012

074

37.6

012

Mah

abub

naga

r14

302

3122

9728

27.3

514

312

3513

1242

237

.53

1439

947

5318

299

52.9

913

Man

cher

ial

1741

540

5015

017

40.7

516

392

4088

1583

243

.91

1738

235

7112

108

38.2

014

Med

ak20

404

4136

1738

848

.07

2044

049

7821

062

60.6

920

466

5359

2014

665

.47

15M

edch

al-

Mal

kajg

iri8

215

2789

9130

25.2

38

229

3320

1254

636

.76

897

1303

4759

15.5

716

Mul

ugu

511

392

627

667.

585

106

1197

3914

11.6

76

157

1592

4893

17.5

117

Nag

arku

rnoo

l19

262

2029

5586

15.0

820

300

2674

7641

23.6

820

470

3370

9177

30.4

818

Nal

gond

a31

704

6636

2293

163

.14

3184

294

5335

547

104.

5131

993

1049

438

815

123.

6219

Nar

ayan

pet

1124

221

7869

9519

.80

1125

225

7893

8927

.63

1128

928

1510

157

32.5

520

Nirm

al18

363

4111

1388

738

.55

1840

547

4416

659

50.3

418

468

5254

1617

158

.01

21N

izam

abad

2578

012

791

3772

810

7.93

2578

214

684

5050

313

4.31

2574

213

806

4558

514

4.43

22Pe

ddap

alli

1341

243

0515

256

41.2

113

420

4613

1760

647

.60

1342

241

5513

479

43.4

223

Raj

anna

1334

644

7413

638

39.1

813

352

5221

1810

155

.95

1335

153

1617

670

59.4

724

Ran

gare

ddy

2367

962

3018

952

50.5

223

721

7894

2587

075

.97

2367

588

3227

941

97.3

825

Sangareddy

2555

855

8421

550

58.9

525

555

6335

2512

771

.99

2558

670

6126

203

83.9

026

Siddipet

2265

579

2028

713

82.4

722

641

7872

2917

286

.99

2266

085

2828

183

96.2

627

Suryapet

2329

428

8710

949

30.9

823

390

4388

1824

854

.04

2351

260

0525

145

77.7

028

Vik

arab

ad18

343

2725

7314

19.1

418

363

3192

8987

26.6

518

466

4468

1289

242

.66

29W

anap

arth

y14

237

2531

8825

23.8

814

234

2711

9643

28.6

014

245

2822

1055

833

.46

30WarangalR

ural

1545

658

2620

054

57.5

215

465

6430

2198

868

.04

1549

172

1722

461

87.9

931

WarangalU

rban

721

324

5281

9624

.11

724

136

4513

852

41.7

77

250

3968

1233

748

.86

32YadadriBhongir

1748

249

2817

375

50.7

817

514

6336

2326

173

.31

1751

764

4123

750

78.7

251

812

263

1314

8744

0292

1235

.98

523

1307

015

5514

5579

2516

36.2

353

314

619

1690

6356

8465

1899

.36

Tot

al:

Dis

tric

t Nam

e20

18-1

9

Tab

le 6

(a):

SER

P - D

istr

ict W

ise

Cre

dit f

low

for

3 Y

ears

(R

s. C

r)20

16-1

7S.

No

2017

-18


MSs

VO

s SH

Gs

SHG

M

embe

rsA

mou

ntM

SsV

Os

SHG

sSH

G

Mem

bers

Am

ount

MSs

VO

s SH

Gs

SHG

M

embe

rsA

mou

nt

1A

dila

bad

149

588

2713

6.45

151

.00

482.

0022

16.0

05.

611

6261

722

936.

822

Bad

radr

i4

100

973

4750

11.5

34

91.0

097

7.00

4753

.00

12.5

94

103

903

3537

12.1

73

Jagi

tial

111

140

632

1.49

121

.00

298.

0015

68.0

03.

961

5878

230

909.

954

Jang

oan

128

410

1423

3.47

127

.00

376.

0015

14.0

03.

561

2632

310

944.

005

Jogu

lam

ba0

00

00.

000

0.00

0.00

0.00

0.00

214

179

678

2.20

6K

amar

eddy

120

167

546

1.37

124

.00

280.

0011

54.0

02.

931

7510

1829

7210

.21

7K

arim

naga

r2

4537

413

873.

442

69.0

089

8.00

4648

.00

11.8

72

154

1924

7528

23.9

08

Kha

mm

am2

4538

320

365.

084

97.0

093

4.00

5343

.00

14.2

34

162

1412

6297

22.1

49

Kom

aram

Bheem

129

371

1222

2.98

131

.00

402.

0013

81.0

03.

741

3641

012

093.

6110

Mah

abub

abad

00

00

0.00

00.

000.

000.

000.

004

4463

221

156.

6811

Mah

abub

naga

r1

3125

868

71.

501

42.0

057

0.00

2015

.00

4.79

290

1304

5103

13.3

412

Man

cher

ial

392

801

2813

6.98

395

.00

1079

.00

4514

.00

11.4

43

196

2276

8434

26.1

013

Med

ak1

2120

510

102.

511

22.0

026

6.00

1354

.00

3.60

152

792

3316

9.59

14M

edch

al-M

alka

jgiri

00

00

0.00

00.

000.

000.

000.

008

172

2647

9281

30.4

115

Nag

arku

rnoo

l0

00

00.

000

0.00

0.00

0.00

0.00

245

596

2588

7.32

16N

algo

nda

266

609

2537

6.37

259

.00

558.

0024

14.0

06.

052

9911

1645

6514

.16

17N

aray

anpe

t0

00

00.

000

0.00

0.00

0.00

0.00

325

242

831

2.66

18N

irmal

110

6738

80.

831

23.0

022

1.00

1130

.00

2.82

141

386

1557

4.52

19N

izam

abad

365

725

2354

5.56

411

2.00

1464

.00

6189

.00

15.3

74

177

2546

8811

25.6

920

Pedd

apal

li0

00

80.

000

0.00

0.00

0.00

0.00

644

530

1976

5.76

21R

ajan

na1

5242

523

315.

781

64.0

066

5.00

4039

.00

10.2

92

110

1114

4737

15.5

522

Ran

gare

ddy

00

020

0.00

00.

000.

000.

000.

008

134

1798

5879

18.0

823

Sangareddy

354

424

2108

5.26

349

.00

630.

0031

49.0

08.

043

125

1451

5451

17.2

024

Siddipet

151

312

1585

3.99

490

.00

1131

.00

6504

.00

16.6

54

117

1316

5298

17.1

625

Suryapet

271

587

2881

7.24

269

.00

482.

0027

73.0

07.

103

137

1211

5073

15.7

026

Vik

arab

ad2

2819

279

71.

932

38.0

039

2.00

1881

.00

4.82

271

738

2968

9.12

27W

anap

arth

y0

00

00.

000

0.00

0.00

0.00

0.00

642

550

1993

6.00

28WarangalR

ural

130

387

1037

2.53

131

.00

467.

0017

97.0

04.

661

4361

219

347.

8629

WarangalU

rban

824

935

0511

911

29.6

78

258.

0039

10.0

017

864.

0044

.26

1232

944

3217

766

58.5

730

YadadriBhongir

117

159

330

0.71

114

.00

119.

0034

2.00

0.84

181

1024

4195

12.4

843

1164

1206

247

506

116.

6949

1377

.00

1660

1.00

7854

2.00

199.

2495

2864

3488

113

2569

418.

9756

113

427

1435

4948

7798

1352

.666

572

1444

717

2115

6364

6718

35.4

6862

817

483

2039

4470

1034

2318

.32

Gra

nd T

otal

:T

otal

:

Tab

le 6

(b):

ME

PMA

- D

istr

ict W

ise

Cre

dit f

low

for

3 Y

ears

(R

s. C

r)

S.N

oD

istr

ict N

ame

2016

-17

2017

-18

2018

-19

62Stree Nidhi62

Man

dals

VO

sSH

Gs

Mem

ber

Out

stan

ding

Man

dals

VO

sSH

Gs

Mem

ber

Out

stan

ding

Man

dals

VO

sSH

Gs

Mem

ber

Out

stan

ding

1A

dila

bad

1616

110

9442

846.

8615

194

1768

7722

13.7

216

336

2799

1197

125

.89

2B

adra

dri

2152

246

6618

254

22.7

521

560

5522

2351

337

.79

2168

373

3131

574

62.7

03

Jagi

tial

1855

810

723

5927

899

.92

1856

611

424

6911

711

6.51

1855

212

083

7506

713

4.60

4Ja

ngoa

n12

419

6853

3540

658

.15

1243

074

1740

058

71.3

212

424

8107

4379

110

2.26

5Ja

yash

anka

r11

215

2318

1026

212

.71

1122

825

3911

473

15.0

911

252

3039

1321

121

.48

6Jo

gula

mba

1087

887

4147

5.65

1112

312

4759

9410

.70

1219

320

1693

6017

.72

7K

amar

eddy

2270

811

767

5472

883

.21

2271

512

501

6232

910

2.78

2268

212

598

6420

311

4.63

8K

arim

naga

r15

538

1099

761

730

98.4

215

556

1170

369

265

118.

0415

519

1177

974

302

133.

699

Kha

mm

am21

857

9510

4182

366

.11

2190

512

277

5878

310

9.74

2192

415

133

7468

215

5.51

10Kom

aram

Bheem

1316

812

2248

948.

3514

208

1707

7212

11.2

215

335

2380

9496

14.1

911

Mah

abub

abad

1441

553

6524

138

35.3

114

430

6146

2885

343

.70

1546

669

0433

458

52.8

312

Mah

abub

naga

r14

356

5037

2246

833

.91

1438

257

4028

775

50.2

814

420

6951

3853

874

.44

13M

anch

eria

l17

456

6655

3525

751

.29

1747

071

8039

733

62.0

017

415

7131

4098

662

.61

14M

edak

2147

172

5640

549

61.0

920

480

8152

4865

480

.09

2048

190

1354

867

95.8

615

Med

chal

-Mal

kajg

iri8

237

4022

1774

330

.39

825

450

5026

409

46.6

08

110

3389

2397

842

.19

16M

ulug

u7

143

2171

1048

612

.37

714

021

8310

374

15.3

07

170

2647

1208

922

.79

17N

agar

kurn

ool

1934

539

5215

274

20.2

220

388

4680

1880

129

.71

2049

358

1223

512

40.8

918

Nal

gond

a31

831

1156

751

893

79.1

131

974

1522

474

727

128.

3131

1056

1872

296

536

176.

9519

Nar

ayan

pet

1127

135

8216

692

26.4

211

305

4188

2257

936

.46

1131

447

2027

273

47.9

020

Nirm

al18

391

6176

3208

350

.74

1843

971

6939

610

68.8

418

482

8278

4601

084

.74

21N

izam

abad

2680

318

602

9537

415

2.34

2680

819

759

1128

2718

5.87

2677

419

771

1222

0021

2.10

22Pe

ddap

alli

1345

878

3640

641

58.5

713

460

8343

4543

966

.62

1343

784

5645

787

67.6

623

Raj

anna

1338

065

4631

536

54.0

813

388

7136

4020

676

.09

1338

376

0246

816

90.7

324

Ran

gare

ddy

2376

010

871

4535

865

.20

2381

612

983

5921

995

.21

2372

613

949

7149

813

4.86

25Sangareddy

2661

497

3552

017

74.4

725

623

1117

060

493

95.4

325

614

1219

469

821

116.

3526

Siddipet

2269

112

992

7202

611

1.84

2270

313

559

7747

413

1.28

2271

014

648

8442

614

8.88

27Suryapet

2340

660

4229

217

39.9

723

467

7614

3917

863

.77

2354

397

1753

111

98.2

228

Vik

arab

ad18

450

4806

1768

724

.89

1848

257

1722

902

34.9

018

530

7062

3007

255

.00

29W

anap

arth

y14

285

3883

1872

228

.70

1430

643

7823

434

38.4

114

290

4713

2820

149

.88

30WarangalR

ural

1552

793

5750

637

74.9

915

539

1003

455

843

95.6

815

543

1099

561

227

129.

6131

WarangalU

rban

724

342

7522

063

33.4

47

255

4842

2737

853

.75

725

855

1331

893

70.1

832

YadadriBhongir

1754

889

0844

168

64.3

417

572

1013

053

378

95.0

717

537

1104

461

431

116.

5053

614

314

2196

7310

8083

516

45.8

453

615

166

2494

8213

1175

222

00.2

654

015

652

2764

9615

1138

727

73.8

3

2016

-17

2017

-18

Tab

le 7

(a):

Dist

rict

wise

Loa

n O

utst

andi

ngof

SE

RP

for

3 ye

ars

Tot

al:

2018

-19

S.N

o.D

istri

ct

(Rs c

r)


Man

dals

VO

sSH

Gs

Mem

ber

Out

stan

ding

Man

dals

VO

sSH

Gs

Mem

ber

Out

stan

ding

M

anda

ls

VO

sSH

Gs

Mem

ber

Out

stan

ding

1A

dila

bad

156

875

5171

7.43

157

1009

6603

7.55

1.00

7312

7474

097.

362

Badr

adri

411

517

5210

310

13.7

64

117

1907

1255

615

.47

4.00

117

1987

1264

916

.32

3Ja

gitia

l1

1114

062

61.

451

2335

821

934.

191.

0058

985

5013

9.38

4Ja

ngoa

n1

3158

630

673.

921

3260

838

403.

991.

0033

630

3734

4.76

5Jo

gula

mba

00

00

0.00

00

00

0.00

2.00

1417

967

81.

506

Kam

ared

dy1

2530

512

681.

491

2839

220

203.

041.

0077

1263

4592

8.80

7K

arim

naga

r2

6081

239

464.

992

7912

9280

1811

.03

2.00

156

2562

1331

623

.76

8K

ham

mam

257

689

4050

6.34

410

913

4685

9715

.55

4.00

186

2299

1330

326

.28

9Kom

aram

Bheem

139

580

2788

2.84

138

610

3390

3.73

1.00

3861

935

494.

6010

Mah

abub

abad

00

00

0.00

00

00

0.00

4.00

4463

221

124.

2611

Mah

abub

naga

r1

4581

328

061.

761

4886

334

834.

902.

0092

1627

7641

13.5

712

Man

cher

ial

310

516

5989

4510

.19

311

318

9811

365

12.1

93.

0020

730

3915

907

24.7

813

Med

ak1

2135

021

663.

291

2244

129

874.

211.

0053

1015

5331

8.32

14M

edch

al-M

alka

jgiri

00

00

0.00

00

00

0.00

8.00

172

2644

9258

20.4

315

Nag

arku

rnoo

l0

00

00.

000

00

00.

002.

0045

596

2586

6.38

16N

algo

nda

278

1120

6183

7.95

275

1149

7142

7.35

2.00

110

1681

9180

13.0

017

Nar

ayan

pet

00

00

0.00

00

00

0.00

3.00

2524

282

61.

7418

Nirm

al1

2932

313

860.

921

3336

218

402.

461.

0054

628

3066

4.54

19N

izam

abad

492

1245

5437

5.95

412

419

1210

318

15.4

04.

0018

634

1316

439

26.4

920

Pedd

apal

li0

00

00.

000

00

00.

006.

0044

530

1974

3.98

21Ra

jann

a1

6475

042

986.

411

6810

7473

8011

.25

2.00

110

1711

1034

517

.81

22Ra

ngar

eddy

00

00

0.00

00

00

0.00

8.00

134

1793

5868

11.7

323

Sangareddy

361

935

5318

6.21

364

1105

7077

8.20

3.00

136

2137

1079

615

.12

24Siddipet

158

1087

6342

6.91

496

1673

1094

316

.24

4.00

121

2289

1337

621

.73

25Suryapet

275

995

6065

7.29

275

1014

6741

8.30

3.00

142

1698

9541

14.8

726

Vik

arab

ad2

4544

121

492.

702

5259

335

025.

222.

0077

1038

5558

9.99

27W

anap

arth

y0

00

00.

000

00

00.

006.

0042

550

1987

3.97

28WarangalR

ural

130

576

3132

3.47

131

616

4104

4.65

1.00

4373

842

088.

5829

WarangalU

rban

828

552

5227

939

32.5

29

293

5674

3794

247

.68

13.0

037

071

6144

066

66.7

830

YadadriBhongir

124

344

1143

1.34

124

357

1449

1.01

1.00

8611

8749

748.

90

4414

0621

629

1145

3513

9.11

5016

0126

253

1634

9021

3.61

9630

4548

147

2492

8240

9.73

580

1572

024

1302

1195

370

1784

.95

586

1676

727

5735

1475

242

2413

.86

636

1869

732

4643

1760

669

3183

.56

MEP

MA

Tot

al:

Gra

nd T

otal

:

Tabl

e 7(

b): M

EPM

A -

Dist

rict

wise

Loa

n O

utst

andi

ng fo

r 3

year

s

S.N

o.D

istri

ct

2016

-17

2017

-18

2018

-19

(Rs c

r)

64Stree Nidhi64

No

Amt

No

Amt

No

Amt

No

Amt

1Ad

ilaba

d67

3316

10.37

1345

720.6

538

36.96

8116

2367

.992

Badr

adri

1320

032

67.20

5509

2792

.7516

116

0.86

1887

062

20.82

3Ja

gitial

2113

052

90.66

8478

4326

.6312

712

5.91

2973

597

43.20

4Ja

ngoa

n80

4218

62.94

9487

4959

.0715

415

1.05

1768

369

73.07

5Ja

yash

anka

r46

3311

04.37

1105

565.5

415

16.37

5753

1686

.276

Jogu

lamba

3964

939.9

980

241

9.60

22.0

747

6813

61.66

7Ka

mar

eddy

1935

840

04.24

8019

4184

.4720

519

9.12

2758

283

87.82

8Ka

rimna

gar

2540

253

88.52

1111

758

16.37

163

166.4

436

682

1137

1.33

9Kh

amm

am22

109

5477

.5414

696

7509

.1126

927

6.25

3707

413

262.8

910

Kom

aram

Bhe

em44

0210

39.81

731

372.9

124

22.61

5157

1435

.3311

Mah

abub

abad

1092

327

14.72

3267

1686

.1827

27.05

1421

744

27.95

12M

ahab

ubna

gar

2164

245

48.10

3811

1997

.0588

89.62

2554

166

34.77

13M

anch

erial

1681

438

33.31

4705

2513

.7384

83.42

2160

364

30.45

14M

edak

1990

042

87.66

5353

2909

.5726

530

8.92

2551

875

06.15

15M

edch

al-M

alkajg

iri12

378

2369

.3338

8619

85.83

226

243.3

616

490

4598

.5216

Mul

ugu

3070

807.3

718

0993

0.14

1413

.6848

9317

51.19

17Na

gark

urno

ol87

8421

60.75

2947

1551

.3367

68.40

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316

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333

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War

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201

2936

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1.72

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38.81

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251.7

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S.N

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3964

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241

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mar

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1935

840

04.24

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4184

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2758

283

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2540

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88.52

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927

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262.8

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Mah

abub

abad

1092

327

14.72

3267

1686

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27.05

1421

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27.95

12M

ahab

ubna

gar

2164

245

48.10

3811

1997

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89.62

2554

166

34.77

13M

anch

erial

1681

438

33.31

4705

2513

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83.42

2160

364

30.45

14M

edak

1990

042

87.66

5353

2909

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530

8.92

2551

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06.15

15M

edch

al-M

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2369

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243.3

616

490

4598

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3070

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0.14

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8421

60.75

2947

1551

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68.40

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837

80.49

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123

7928

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668

5565

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128

4.56

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213

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6021

47.26

2540

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1999

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485

769

2.45

1149

457

11.

7917

3633

3292

10.8

920

355

595

1.80

2645

3852

9817

.16

25Suryapet

2833

731

80.

9955

650

1026

3.15

1072

636

41.

1513

9764

2730

8.65

1849

563

51.

7625

2972

5073

15.7

026

Vik

arab

ad18

193

770.

2540

921

418

1.35

1790

954

51.

6091

796

1569

4.92

1249

635

91.

0018

1315

2968

9.12

27W

anap

arth

y87

7845

0.13

1900

222

60.

6047

7227

30.

8272

090

1237

3.89

7238

212

0.56

1118

8019

936.

0028

WarangalR

ural

2366

336

0.17

3467

123

80.

8836

3850

0.21

1133

7414

656.

0910

387

145

0.51

1857

3319

347.

8629

WarangalU

rban

9899

409

1.34

7757

730

349.

3325

105

1419

4.80

2375

7311

976

40.5

654

2992

82.

5435

5583

1776

658

.57

30YadadriBhongir

1159

055

0.18

3485

056

01.

6150

4124

00.

7511

7437

2968

8.91

1604

037

21.

0218

4958

4195

12.4

861

0641

3986

12.5

712

1671

520

335

62.9

635

5488

1373

642

.28

3523

000

8093

826

1.36

3672

9513

574

39.7

9760

7313

913

2569

418.

9711

9824

945

214

146.

978

2212

852

1390

1845

8.95

651

7740

3511

711

3.37

961

1352

342

7155

1397

.574

5238

5453

020

1.55

810

7876

0270

1034

2318

.32

SCM

inor

ityB

CO

CT

otal

ME

PMA

TO

TA

L:

Gra

nd T

otal

:

Tab

le 1

0(b)

: ME

PMA

- D

istri

ct w

ise S

ocia

l Cat

egor

y R

epor

t as o

n FY

201

8-19

(Rs.

cr.)

S.N o

Dist

rict

Nam

e

ST


Dem

and

Col

lect

ion

Ove

rdue

Rec

over

y %

Dem

and

Col

lect

ion

Ove

rdue

Rec

over

y %

Dem

and

Col

lect

ion

Ove

rdue

Rec

over

y %

1A

dila

bad

258.

8924

1.35

17.5

493

.22

594.

3456

0.79

33.5

594

.36

1247

.92

1183

.90

64.0

294

.87

2B

adra

dri

1552

.36

1449

.35

103.

0193

.36

2092

.90

2001

.26

91.6

495

.62

3107

.08

2980

.78

126.

3095

.94

3Ja

gitia

l54

65.6

353

63.8

410

1.78

98.1

477

91.2

276

57.4

013

3.83

98.2

887

17.3

685

67.0

015

0.36

98.2

84

Jang

oan

3560

.46

3447

.63

112.

8396

.83

4218

.96

4080

.07

138.

8996

.71

5073

.25

4946

.04

127.

2197

.49

5Ja

yash

anka

r94

1.32

892.

7948

.53

94.8

410

94.2

010

52.3

641

.84

96.1

812

87.2

412

46.9

040

.34

96.8

76

Jogu

lam

ba34

2.41

332.

3710

.04

97.0

750

3.52

486.

9016

.61

96.7

084

5.62

809.

3936

.24

95.7

17

Kam

ared

dy50

11.9

349

12.7

999

.14

98.0

264

08.3

563

14.3

494

.01

98.5

377

22.6

675

93.2

212

9.43

98.3

28

Kar

imna

gar

5951

.84

5865

.68

86.1

698

.55

7783

.93

7680

.98

102.

9598

.68

9070

.62

8962

.36

108.

2798

.81

9K

ham

mam

3484

.82

3340

.13

144.

6995

.85

5461

.74

5287

.91

173.

8396

.82

8316

.70

8042

.38

274.

3296

.70

10Kom

aram

Bheem

292.

3126

6.47

25.8

491

.16

686.

1965

4.20

32.0

095

.34

1005

.60

924.

9280

.68

91.9

811

Mah

abub

abad

1963

.32

1897

.07

66.2

596

.63

2885

.09

2800

.34

84.7

597

.06

3624

.52

3514

.68

109.

8496

.97

12M

ahab

ubna

gar

1728

.88

1674

.07

54.8

196

.83

2632

.84

2556

.42

76.4

297

.10

3808

.86

3712

.27

96.5

897

.46

13M

anch

eria

l29

60.5

329

23.2

037

.32

98.7

440

52.8

239

76.0

576

.77

98.1

150

41.5

249

10.8

513

0.66

97.4

114

Med

ak36

35.5

736

07.9

527

.62

99.2

450

13.5

549

85.4

728

.08

99.4

463

82.4

463

44.1

838

.26

99.4

015

Med

chal

-Mal

kajg

iri12

55.3

612

30.6

124

.76

98.0

325

22.8

424

92.5

630

.28

98.8

036

48.6

035

76.0

672

.54

98.0

116

Mul

ugu

1076

.62

1056

.23

20.3

998

.11

1055

.05

1037

.47

17.5

998

.33

1196

.66

1187

.58

9.08

99.2

417

Nag

arku

rnoo

l13

11.4

012

60.3

751

.51

96.1

117

49.4

716

98.3

651

.11

97.0

823

08.3

622

38.4

569

.91

96.9

718

Nal

gond

a40

58.6

839

30.1

712

8.50

96.8

370

59.4

767

17.5

734

1.97

95.1

610

294.

7598

36.5

045

8.25

95.5

519

Nar

ayan

pet

1401

.31

1370

.78

30.5

397

.82

2150

.34

2082

.96

67.3

896

.87

2760

.56

2672

.45

88.1

196

.81

20N

irmal

2696

.72

2663

.65

33.0

798

.77

3955

.90

3886

.54

69.3

698

.25

5235

.90

5153

.20

82.7

098

.42

21N

izam

abad

8729

.59

8680

.78

48.9

899

.44

1215

7.49

1206

7.99

89.5

099

.26

1414

6.95

1402

3.13

123.

8299

.12

22Pe

ddap

alli

3770

.95

3671

.00

99.9

597

.35

4801

.36

4676

.12

125.

2497

.39

5336

.14

5164

.20

171.

9496

.78

23R

ajan

na28

78.6

828

16.2

662

.48

97.8

341

94.7

441

16.8

277

.92

98.1

455

91.0

655

09.4

381

.63

98.5

424

Ran

gare

ddy

3880

.79

3795

.02

85.7

797

.79

5568

.05

5416

.34

151.

7197

.28

7837

.81

7734

.48

103.

3398

.68

25Sangareddy

4468

.37

4429

.78

38.6

099

.14

6137

.20

6095

.77

41.4

499

.32

7828

.41

7779

.35

49.0

799

.37

26Siddipet

7048

.08

6992

.28

55.8

199

.21

8247

.83

8100

.10

147.

7898

.21

9850

.44

9665

.69

184.

7598

.12

27Suryapet

2581

.10

2461

.87

119.

2495

.38

3743

.21

3614

.64

128.

5796

.57

5534

.68

5393

.83

140.

8597

.46

28V

ikar

abad

1442

.86

1342

.64

100.

2293

.05

2129

.30

1996

.71

132.

6593

.77

2938

.83

2830

.85

107.

9896

.33

29W

anap

arth

y14

46.4

714

07.4

239

.05

97.3

023

44.0

922

67.9

776

.12

96.7

530

12.0

029

31.6

880

.31

97.3

330

WarangalR

ural

4716

.72

4586

.59

130.

1497

.24

5837

.27

5682

.68

154.

5997

.35

7003

.71

6864

.84

138.

8798

.02

31WarangalU

rban

2122

.78

2071

.00

51.7

897

.56

2612

.23

2588

.36

23.8

799

.09

3735

.67

3674

.61

61.0

698

.37

32YadadriBhongir

4048

.52

3956

.06

93.8

597

.72

5253

.03

5099

.34

153.

7097

.07

6885

.09

6733

.87

151.

2297

.80

Tot

al:

9608

5.27

9393

7.20

2150

.21

97.7

613

2738

.49

1297

32.7

830

05.9

497

.74

1703

97.0

116

6709

.06

3687

.95

97.8

4

Tab

le 1

1(a)

: SE

RP

- Dis

tric

t wis

e R

epay

men

t per

form

ance

for

3 ye

ars

(Rs.

Lak

hs)

2016

-17

2017

-18

2018

-19

Dis

tric

tS.

No.

70Stree Nidhi70

Dem

and

Col

lect

ion

Ove

rdue

Rec

over

y %

Dem

and

Col

lect

ion

Ove

rdue

Rec

over

y %

Dem

and

Col

lect

ion

Ove

rdue

Rec

over

y %

1A

dila

bad

393.

6138

3.95

9.66

97.5

567

5.12

644.

7230

.39

95.5

073

.28

69.5

53.

7494

.90

2B

adra

dri

946.

8991

6.59

30.3

096

.80

1319

.25

1268

.92

50.3

396

.18

138.

1913

0.47

7.72

94.4

13

Jagi

tial

3.12

2.78

0.34

89.2

015

3.46

153.

200.

2699

.83

38.5

037

.86

0.64

98.3

34

Jang

oan

281.

1126

8.58

12.5

395

.54

425.

1640

4.89

20.2

795

.23

38.5

436

.88

1.66

95.7

05

Kam

ared

dy11

0.20

106.

004.

2196

.18

170.

7416

4.17

6.57

96.1

526

.04

25.7

70.

2798

.96

6K

arim

naga

r44

9.40

437.

3412

.05

97.3

268

3.41

677.

276.

5799

.10

89.9

389

.61

0.32

99.6

57

Kha

mm

am32

7.73

316.

4711

.26

96.5

660

6.98

584.

9622

.02

96.3

712

3.94

119.

624.

3396

.51

8Kom

aram

Bheem

259.

9125

1.16

8.75

96.6

332

5.21

324.

900.

3199

.90

32.2

032

.01

0.19

99.4

19

Mah

abub

naga

r23

1.86

228.

403.

4698

.51

199.

2219

6.73

2.48

98.7

549

.50

49.3

80.

1299

.75

10M

anch

eria

l90

2.36

883.

7718

.59

97.9

411

15.7

110

73.9

641

.75

96.2

611

8.09

112.

725.

3795

.46

11M

edak

194.

8019

2.78

2.02

98.9

631

7.06

314.

382.

6899

.16

35.9

835

.33

0.65

98.2

012

Nag

arku

rnoo

l0.

000.

000.

000.

000.

000.

000.

000.

005.

235.

100.

1497

.41

13N

algo

nda

588.

2755

5.50

32.7

794

.43

830.

8677

6.86

54.0

093

.50

78.4

572

.06

6.39

91.8

614

Nirm

al90

.76

87.0

93.

6895

.95

168.

6516

0.69

7.96

95.2

825

.31

22.4

72.

8388

.80

15N

izam

abad

443.

6542

4.05

19.6

195

.58

712.

2870

1.14

11.1

598

.44

127.

2712

4.53

2.74

97.8

516

Raj

anna

339.

4933

8.48

1.01

99.7

065

5.25

649.

735.

5299

.16

96.4

895

.95

0.53

99.4

517

Sangareddy

596.

5958

4.94

11.6

598

.05

725.

5970

6.01

19.5

797

.30

75.5

473

.53

2.01

97.3

418

Siddipet

775.

5975

0.27

25.3

196

.74

843.

7383

7.98

5.75

99.3

213

2.21

129.

712.

5098

.11

19Suryapet

575.

4557

1.87

3.58

99.3

870

5.44

692.

4912

.95

98.1

675

.31

73.1

12.

2097

.08

20V

ikar

abad

200.

9219

3.97

6.95

96.5

427

3.16

261.

6311

.53

95.7

845

.96

44.7

11.

2597

.29

21WarangalR

ural

329.

6532

6.18

3.47

98.9

540

3.18

400.

572.

6199

.35

42.7

842

.78

0.00

100.

0022

WarangalU

rban

2639

.81

2579

.80

60.0

197

.73

3591

.79

3465

.40

126.

3996

.48

482.

2046

0.19

22.0

195

.44

23YadadriBhongir

84.1

169

.57

14.5

482

.71

145.

7013

7.07

8.63

94.0

712

.73

12.0

80.

6594

.90

Tot

al:

1076

5.29

1046

9.54

295.

7497

.25

1504

6.95

1459

7.69

449.

6997

.01

1963

.66

1895

.41

68.2

596

.52

Gra

nd T

otal

:10

6850

.56

1044

06.7

524

45.9

597

.71

1477

85.4

514

4330

.48

3455

.62

97.6

617

2360

.67

1686

04.4

737

56.2

097

.82

Tab

le 1

1(b)

: ME

PMA

- D

istr

ict w

ise

Rep

aym

ent p

erfo

rman

ce fo

r 3

year

s(R

s. L

akhs

)

S.N

o.D

istr

ict

2016

-17

2017

-18

2018

-19


Outstanding in NPA

Total Outstanding NPA(%) Outstanding

in NPATotal

Outstanding NPA(%)

1 Adilabad 5154606 213539976 2.41 2596859 332451078 0.78

2 Badradri 7777696 535153888 1.45 13526188 790130130 1.71

3 Jagitial 3583935 1213126366 0.30 4086061 1439813954 0.28

4 Jangoan 13923983 787980980 1.77 10937959 1070197950 1.02

5 Jayashankar 3280366 152453945 2.15 3207412 214760813 1.49

6 Jogulamba 1074192 107485995 1.00 1381445 192291077 0.72

7 Kamareddy 2449690 1064164996 0.23 2463324 1234245936 0.20

8 Karimnagar 2641633 1299087467 0.20 1057732 1574499415 0.07

9 Khammam 7464386 1259454673 0.59 6689216 1817902895 0.37

10 KomaramBheem 2321129 150240955 1.54 2663015 187899967 1.42

11 Mahabubabad 6322288 439108068 1.44 5137856 570846585 0.90

12 Mahabubnagar 7595182 425933821 1.78 6482920 880032555 0.74

13 Mancherial 7318853 745603130 0.98 6020939 873913503 0.69

14 Medak 1439708 848258439 0.17 1226829 1041795130 0.12

15 Medchal-Malkajgiri 532472 467935771 0.11 2596439 626254214 0.41

16 Mulugu 1918297 153024670 1.25 61519 227932567 0.03

17 Nagarkurnool 4465877 299399470 1.49 3442441 472649731 0.73

18 Nalgonda 19490457 1362674701 1.43 14969112 1899534190 0.79

19 Narayanpet 5356661 496457997 1.08 5356661 496457997 1.08

20 Nirmal 1811851 716615163 0.25 2387497 892828907 0.27

21 Nizamabad 2102333 2024330547 0.10 3442027 2385908835 0.14

22 Peddapalli 6359102 669383820 0.95 5748075 716408573 0.80

23 Rajanna 3056242 878381538 0.35 1389391 1085433373 0.13

24 Rangareddy 13919478 958582655 1.45 6703003 1465803315 0.46

25 Sangareddy 3232700 1041665777 0.31 1612142 1314666812 0.12

26 Siddipet 10215278 1484174969 0.69 9267767 1706070794 0.54

27 Suryapet 8131030 724290011 1.12 6115094 1130977675 0.54

28 Vikarabad 7967233 403366350 1.98 4830999 649930124 0.74

29 Wanaparthy 4538990 387265486 1.17 3468224 538500728 0.64

30 WarangalRural 11129891 1007889751 1.10 8000355 1381928447 0.58

31 WarangalUrban 6037524 1019642356 0.59 9952010 1369570153 0.73

32 YadadriBhongir 8678457 936616632 0.93 5330612 1253962577 0.43

191291520 24273290365 0.79 162151123 31835600000 0.51

S.No District2017-18 2018-19

TOTAL

Table 12: District wise NPA status for 2 years

72Stree Nidhi72

SBI Andhra Bank

1 Adilabad 8 0 8

2 Bhadradri-Kothagudem 13 0 13

3 Jagityal 47 29 76

4 Janagoan 21 6 27

5 Jayashankar-Bhupalpalli 12 4 16

6 Jogulamba-Gadwal 6 0 6

7 Kamareddy 22 42 64

8 Karimnagar 27 33 60

9 Khammam 33 28 61

10 KomaramBheem 9 0 9

11 Mahabubabad 47 0 47

12 Mahabubnagar 21 0 21

13 Malkajgiri 15 0 15

14 Mancherial 15 0 15

15 Medak 21 0 21

16 Mulugu 12 11 23

17 Nagarkurnool 27 0 27

18 Nalgonda 58 0 58

19 Narayanpet 17 0 17

20 Nirmal 28 6 34

21 Nizamabad 42 0 42

22 Peddapalli 46 16 62

23 Rajanna-Sircilla 15 22 37

24 RangaReddy 38 0 38

25 Sangareddy 14 0 14

26 Siddipet 22 0 22

27 Suryapet 43 0 43

28 Vikarabad 55 0 55

29 Wanaparthy 13 0 13

30 WarangalRural 45 19 64

31 WarangalUrban 16 0 16

32 Yadadri 27 23 50

Grand Total 835 239 1074

Table no.13: District wise VLE points

S.No DistrictBC/VLE Points

Total


S. No Parameters Maximum

1OwnfundsofMSason31.03.2019(OwnfundsincludeShareCapital,AccumulatedProfitofMS,CIF&otherfundsavailableforonlendingtoVOs

45Lacs&above

(14Marks)

30Lacsto<45Lacs(9Marks)

20Lacsto<30Lacs

(5Marks)

10to<20Lacs(2Marks)<10

-0Marks

14

2 RegularmeetingofMSinthelastSixmonths

Conducted2MSmeetingseverymonthinallmonths(5Marks)

Conducted1MSmeetingpermonthinallmonths(3Marks)

5

3 %ofattendanceofECmembers(Averageoflast6months)tototalECmembers

90%&above(5Marks)

70%to<90%(3Marks)

60%to<70%(1Mark)

<60%(0Mark) 5

4 Maintenanceofbooksofaccountsandupdating Within15days(5Marks)

Withinmonth(3Marks) 5

5 NetProfitofMSforthelast2yearsi.e.,for2017-18,2018-19asperauditedP&Laccount

Profitintwoyears

(8Marks)

Profitin2018-19

(4Marks)

Profitin2017-18

(2Marks)

Lossintwoyears

(0Marks)8

Legal Compliancei.Whetherauditcompletedason31.03.2019orasondateofgrading(2018-19)

3

ii.WhetherAnnualGeneralBodyMeetingfor2017-18conducted? 4

iii.Leadershipchangeduring2017-18asperMACSAct'95 4

iv.Whetherannualreturnsfor2017-18withfiledtotheDCO 3

7CIF Recovery from VOs:Recovery%ofCIFloansfromVOsason31stMarch2019&asondateofgrading(Averageoftwo)

90%&above(8Marks)

75%to<90%(6Marks)

60%to<75%(4Marks)

<60%(0Mark) 8

8 %ofVOs/SHGscontributing>50%ofSamruddhidepositswithason31.03.2019orasondateofgrading

80%&above(8Marks)

70%to<80%(4Marks)

50%to<70%(2Marks)

<50%(0Mark) 8

StreeNidhiloansrepaymentfromVOs/SHGstoStreeNidhiason31stMarch2019

98%&above(14Marks)

96%to<98%(9Marks)

90%to<96%(5Marks)

<90%(0Mark) 14

StreeNidhirepaymentfromVOsasondateofgrading 98%&above(8Marks)

96%to<98%(5Marks)

90%to<96%(3Marks)

<90%(0Mark) 8

10 VOswith"A"and"B"gradeasperlatestgrading

80%&above(A+Bgrade

VOs)(11Marks)

70%to<80%(A+Bgrade

VOs)(8Marks)

50%to<70%(A+BgradeVOs)(6Marks)

<50%(A+BgradeVOs)(0Marks)

11

100

1 BONUS MARKS: NPAlevelasondateofgrading

0%5Marks

>0&<=0.5%3Marks

>0.5%to<=0.75%2Marks

>0.75%to=1.0%1Mark

5

2 Misutilization/Misappropriation,ifany

100

Ifnotconductedasparticularcriteriai.e.,notevenonemeetinginamonth

(NoMarks)

Net Marks

Criteria and Marks

6

Ifcompleted-3Marks,Notcompleted-0Marks


Ifchanged-4Marks,Notcompleted-0Marks

"NO GRADING WILL BE DONE"

Ifupdatingofthebooksafter1month(0Marks)

CriteriaforawardingGRADEtoMS

‘E’grade:<49%marks.

Iffiled-3Marks,Notcompleted-0Marks

Table 14: Criteria for Grading of Mandala Samakhya {MS}

'A'grade:>80%marks, ‘B’grade:70to<79%marks.

‘D’ grade:50to<59%marks. ‘C’ grade:60to<69%marks

9

Total Marks

74Stree Nidhi74

S. No Parameters Maximum

1OwnfundsofTLFason31.03.2019(OwnfundsincludeShareCapital,AccumulatedProfitofTLF,CEF&otherfundsavailableforonlendingtoSLFs

45Lacs&above

(12Marks)

30Lacsto<45Lacs(9Marks)

20Lacsto<30Lacs

(5Marks)

10Lacsto<20Lacs

(2Marks)If<10Lacs-0Marks

12

2NoofSLFscontributedsharecapitaltoTLFsason31/03/2019orasondateofgrading,shouldbetakenwhichishighervalue(No..................Rs.......................)

3

3 RegularmeetingofTLFsinthelastSixmonths

Conducted2TLFmeetingseverymonthinallmonths(4Marks)

Conducted1TLFmeetingpermonthinallmonths(2Marks)

4

4 %ofattendanceofTLFsECmemberstototalECmembersofTLF.(Averageoflast6months)

90%&above(5Marks)

70%to<90%(3Marks)

60%to<70%(1Mark)

<60%(0Mark) 5

5 Maintenanceofbooksofaccountsandupdatingeverymonth

Within15days(6Marks)

Withinmonth(3Marks) 6

6 NetProfitofTLFforthelast2yearsi.e.,for2017-18,2018-19asperauditedP&Laccount

Profitintwoyears

(8Marks)

Profitin2018-19

(6Marks)

Profitin2017-18

(4Marks)

Lossintwoyears

(0Marks)8

Legal Compliancei.Whetherauditcompletedason31.03.2019orasondateofgrading

3




8CIF Recovery from VOs:Recovery%ofCIFloansfromVOsason31stMarch2019&asondateofgrading(Averageoftwo)

90%&above(8Marks)

75%to<90%(6Marks)

60%to<75%(4Marks)

<60%(0Mark) 8

9 %ofVOs/SHGscontributing>50%ofSamruddhidepositswithason31.03.2019orasondateofgrading

80%&above(8Marks)

70%to<80%(4Marks)

50%to<70%(2Marks)

<50%(0Mark) 8

StreeNidhiloansrepaymentfromVOs/SHGstoStreeNidhiason31stMarch2019

98%&above(14Marks)

96%to<98%(9Marks)

90%to<96%(5Marks)

<90%(0Mark) 14

StreeNidhirepaymentfromVOsasondateofgrading 98%&above(8Marks)

96%to<98%(5Marks)

90%to<96%(3Marks)

<90%(0Mark) 8

10 VOswith"A"and"B"gradeasperlatestgrading

80%&above(A+Bgrade

VOs)(10Marks)

70%to<80%(A+Bgrade

VOs)(8Marks)

50%to<70%(A+BgradeVOs)(6Marks)

<50%(A+BgradeVOs)(0Marks)

10

100

1 BONUS MARKS: NPAlevelason31stMarch2019

0%5Marks

>0&<=0.5%3Marks

>0.5%to<=0.75%2Marks

>0.75%to=1.0%1Mark

5

2 Misutilization/Misappropriation,ifany100

CriteriaforawardingGRADEtoTLF

‘E’grade:<49%marks.

IfalltheSHGscontributedthen"03"marks,ifnot"0"marks

10

Total Marks

Net Marks

'A'grade:>80%marks, ‘B’grade:70to<79%marks.

‘C’ grade:60to<69%marks ‘D’ grade:50to<59%marks.


Table 15: Criteria for Grading of Town Level Federation {TLF}Criteria and Marks


(NoMarks)

Ifupdatingofthebooksafter1month(0Marks)

7






S. No Parameters Maximu m Marks

1

OwnfundsofVOason31.03.2019(OwnfundsincludeShareCapitalContributionbySHGs,SavingsofSHGswithVO,Resources,AccumulatedProfitandotherfundsavailableforonlendingtoSHGsexcludinginterestonCIFandotherfundsborrowedfromMandalaSamakhya

3Lacs&above

(14Marks)

1.5Lacsto<3Lacs(9Marks)

0.50Lacsto<1.5Lacs(4Marks)

>0to<0.05Lacs

(2Marks)<0

-0Marks

14

2 RegularmeetingofVOinthelastSixmonths

Conducted2VOMeetingsineverymonth

(5Marks)

Conducted1VOmeetingonly,onceinamonthinall

months(3Marks)

5


80%&above(5Marks)

70%to<80%(3Marks)

60%to<70%(1Mark)

<60%(0Mark) 5

4 BookKeepingatVOlevel 5

5 NetProfitofVOforthelast2yearsi.e.,for2017-18,2018-19asperauditedP&Laccount

Profitintwoyears

(8Marks)

Profitin2018-19

(5Marks)

Profitin2017-18

(3Marks)

Lossintwoyears

(0Marks)8

Legal Compliancei.Whetherauditcompletedason31.03.2019asperMACSAct1995

3




7

CIF Recovery from SHGs to VORecovery%ofCIFloansfromSHGstoVOswhichhaveavailedloanfromMSason31stMarch2019&asondateofgrading(Averageoftwo)

90%&above(8Marks)

75%to<90%(5Marks)

60%to<75%(2Marks)

<60%(0Mark) 8

8 %ofSHGsdepositedinSamruddhiason31.03.2019orasondateofgrading

70%&above(14Marks)

60%to<70%(9Marks)

50%to<60%(5Marks)

<50%(0Mark) 14

StreeNidhiloansrepaymentbySHG/VOtoStreeNidhiason31stMarch2019

98%&above(14Marks)

96%to<98%(8Marks)

90%to<96%(4Marks)

<90%(0Mark) 14

RepaymentsbySHGs/VOtoStreeNidhiasondateofgrading

98%&above(8Marks)

96%to<98%(4Marks)

90%to<96%(2Marks)

<90%(0Mark) 8

10SubmissionofloandocumentsbySHGstoVO,alongwiththeSHGresolutionscompleteinallrespects

5

100

1BONUS MARKS: NPAlevelason31stMarch2019.IfNPAislessthan1.00%

0%5Marks

>0&<0.5%3Marks

>0.5%to<0.75%2Marks

<0.75%to=1.0%1Mark

5


100

9


Criteria for awarding GRADE to VO

Ifsubmittedalldocuments:5Marks,Ifallarenotsubmitted:-5Marks(Minus)

Table 16: Criteria for Grading of Village Organization {VO}

Total Marks

Net Marks

MaintainingallbooksintimeandStreeNidhitransactionsarerecordedinminutes-(5Marks),ifnot0Marks

Criteria and marks

IfnotConductedminimum1VOMeetinginamonth

(NoMarks)

'C' grade:61-70%marks,


'A'grade:>80%marks, ‘B’ grade: 71-79 % marks.

“E”grade:<50%marks.

6




'D'grade:51-60%marks

76Stree Nidhi76

S. No Parameters Maximu m Marks

1

OwnfundsofSLFason31.03.2019(OwnfundsincludeShareCapitalContributionbySHGs,SavingsofSHGswithSLF,Resources,AccumulatedProfitandotherfundsavailableforonlendingtoSHGsexcludinginterestonCEFandotherfundsborrowedfromMandalaSamakhya

3Lacs&above

(14Marks)

1.5Lacsto<3Lacs(9Marks)

0.50Lacsto<1.5Lacs(4Marks)

>0to<0.05Lacs

(2Marks)<0

-0Marks

14

2 RegularmeetingofSLFinthelastSixmonths

Conducted2SLFmeetingseverymonthinallmonths(5Marks)

Conducted1SLFmeetingonly,onceinamonthinall

months(3Marks)

5


80%&above(5Marks)

70%to<80%(3Marks)

60%to<70%(1Mark)

<60%(0Mark) 5

4 BookKeepingatSLFlevel 5

5 NetProfitofSLFforthelast2yearsi.e.,for2017-18,2018-19asperauditedP&Laccount

Profitintwoyears

(8Marks)

Profitin2018-19

(4Marks)

Profitin2017-18

(3Marks)

Lossintwoyears

(0Marks)8

Legal Compliancei.Whetherauditcompletedason31.03.2019orasondateofgrading(2018-19)

3



iv.Whetherannualreturnsfor2017-18withfieldtotheDCO 3

7

CEF Recovery from SHGs to SLF Recovery%ofCEFloansfromSHGstoSLFswhichhaveavailedloanfromTLFason31stMarch2019&asondateofgrading(Averageoftwo)

90%&above(10Marks)

75%to<90%(7Marks)

60%to<75%(4Marks)

<60%(0Mark) 10

8 %ofSHGsdepositedinSamruddhiason31.03.2019orasondateofgrading

70%&above(12Marks)

60%to<70%(10Marks)

50%to<60%(8Marks)

<50%(0Mark) 12

StreeNidhiloansrepaymentbySHGs/SLFtoStreeNidhiason31stMarch2019

98%&above(14Marks)

96%to<98%(8Marks)

90%to<96%(4Marks)

<90%(0Mark) 14

RepaymentbySHGs/SLFtoStreeNidhiasondateofgrading

98%&above(8Marks)

96%to<98%(4Marks)

90%to<96%(2Marks)

<90%(0Mark) 8

10SubmissionofloandocumentsbySHGstoSLF,alongwiththeSHGresolutionscompleteinallrespects

5

100

1 BONUS MARKS: NPAlevelasondateofgrading

0%5Marks

>0&<=0.5%3Marks

>0.5%to<=0.75%2Marks

>0.75%to=1.0%1Mark

5


100

'A'grade:>80%marks, ‘B’ grade: 71-79 % marks.

'C' grade:61-70%marks, 'D'grade:51-60%marks

“E”grade:<50%marks.

9

Ifsubmittedalldocuments:5Marks,Ifallarenotsubmitted:-5Marks(Minus)

Total Marks


Net Marks

Criteria for awarding GRADE to SLF

Table 17: Criteria for Grading of Slum Level Federation {SLF}

Criteria and marks


(NoMarks)

MaintainingallbooksintimeandStreeNidhitransactionsarerecordedinminutes-(5Marks),ifnot0Marks

6






A B C D E F Not Graded

1 Adilabad 17 3 6 6 1 1

2 Badradri 22 5 2 8 1 6

3 Jagitial 18 18

4 Jangaon 12 5 6 1

5 Jayashankar 11 3 1 4 1 2

6 Jogulamba 12 1 4 2 3 2

7 Kamareddy 22 12 8 1 1

8 Karimnagar 15 12 3

9 Khammam 20 5 9 6 0

10 KomaramBheem 15 1 3 7 2 2

11 Mahabubabad 16 6 6 1 2 1

12 Mahabubnagar 14 6 7 1

13 Mancherial 16 9 4 1 1 1

14 Medak 20 15 2 2 1

15 Medchal-Malkajgiri 5 3 2

16 Mulugu 9 2 1 4 2

17 Nagarkurnool 20 5 15

18 Nalgonda 31 11 16 4

19 Narayanpet 11 8 1 1 1

20 Nirmal 18 13 3 2

21 Nizamabad 27 27

22 Peddapalli 13 7 6

23 RajannaSircilla 12 6 6

24 Rangareddy 22 14 6 2

25 Sangareddy 26 16 5 1 3 1

26 Siddipet 23 19 4

27 Suryapet 23 9 10 2 2

28 Vikarabad 18 1 3 9 4 1

29 Wanaparthy 14 2 8 3 1

30 WarangalRural 16 9 4 2 1

31 WarangalUrban 7 7

32 YadadriBhongir 17 7 10

542 267 161 69 26 18 1 0

S.No District Name Total No of MS

Total

GradeTable 18: SERP - District wise Grading status of MSs

78Stree Nidhi78

A B C D E F Not graded

1 Adilabad 1 1

2 Badradri 4 3 1

3 Hyderabad 1 1

4 Jagitial 1 1

5 Jangoan 1 1

6 Kamareddy 1 1

7 Karimnagar 2 2

8 Khammam 5 4 1

9 KomaramBheem 1 1

10 Mahabubabad 1 1

11 Mahabubnagar 4 1 1 2

12 Mancherial 3 3

13 Medak 1 1

14 Nagarkurnool 2 2

15 Nalgonda 2 2

16 Nirmal 1 1

17 Nizamabad 4 3 1

18 Peddapalli 1 1

19 Rajanna 2 1 1

20 Sangareddy 3 2 1

21 Siddipet 4 3 1

22 Suryapet 4 2 1 1

23 Vikarabad 2 2

24 Wanaparthy 1 1

25 WarangalRural 1 1

26 WarangalUrban 12 5 4 3

27 YadadriBhongir 1 1

66 42 12 4 0 0 0 8

608 309 173 73 26 18 1 8

Total

Grand Total

SERP & MEPMA

Table 19: MEPMA - District wise Grading status of TLFs

S.No District Name Total No of TLFs

GradeA B C D E

1 Adilabad 547 142 163 113 95 20 142 Badradri 979 377 210 167 148 72 53 Jagitial 562 463 62 24 6 1 64 Jangoan 453 331 65 20 16 16 55 Jayashankar 363 153 51 49 82 23 56 Jogulamba 308 56 110 100 34 2 67 Kamareddy 720 473 137 67 20 17 68 Karimnagar 522 427 55 25 5 1 99 Khammam 985 462 303 126 58 32 410 KomaramBheem 392 123 124 112 21 7 511 Mahabubabad 664 266 122 111 100 52 1312 Mahabubnagar 462 272 102 52 25 5 613 Mancherial 456 259 103 67 16 2 914 Medak 518 345 90 20 41 19 315 Medchal-Malkajgiri 115 68 19 10 4 5 916 Mulugu 355 135 46 50 43 33 4817 Nagarkurnool 600 277 164 87 35 14 2318 Nalgonda 1141 512 342 184 78 10 1519 Narayanpet 341 203 68 32 12 4 2220 Nirmal 504 332 103 59 6 1 321 Nizamabad 787 653 87 19 16 3 922 Peddapalli 442 309 99 24 8 1 123 Rajanna 393 309 43 17 11 3 1024 Rangareddy 746 499 156 54 10 8 1925 Sangareddy 693 463 84 44 81 20 126 Siddipet 712 515 133 40 8 3 1327 Suryapet 576 266 181 73 30 16 1028 Vikarabad 647 245 184 95 83 35 529 Wanaparthy 336 80 123 55 31 32 1530 WarangalRural 558 401 85 29 10 25 831 WarangalUrban 260 218 28 8 1 3 232 YadadriBhongir 550 343 122 54 16 8 7

Total: 17687 9977 3764 1987 1150 493 316

Table 20: SERP - District wise Grading status of VOs

S.No District Name No. of Vos

Grade VO not Graded


A B C D E1 Adilabad 547 142 163 113 95 20 142 Badradri 979 377 210 167 148 72 53 Jagitial 562 463 62 24 6 1 64 Jangoan 453 331 65 20 16 16 55 Jayashankar 363 153 51 49 82 23 56 Jogulamba 308 56 110 100 34 2 67 Kamareddy 720 473 137 67 20 17 68 Karimnagar 522 427 55 25 5 1 99 Khammam 985 462 303 126 58 32 410 KomaramBheem 392 123 124 112 21 7 511 Mahabubabad 664 266 122 111 100 52 1312 Mahabubnagar 462 272 102 52 25 5 613 Mancherial 456 259 103 67 16 2 914 Medak 518 345 90 20 41 19 315 Medchal-Malkajgiri 115 68 19 10 4 5 916 Mulugu 355 135 46 50 43 33 4817 Nagarkurnool 600 277 164 87 35 14 2318 Nalgonda 1141 512 342 184 78 10 1519 Narayanpet 341 203 68 32 12 4 2220 Nirmal 504 332 103 59 6 1 321 Nizamabad 787 653 87 19 16 3 922 Peddapalli 442 309 99 24 8 1 123 Rajanna 393 309 43 17 11 3 1024 Rangareddy 746 499 156 54 10 8 1925 Sangareddy 693 463 84 44 81 20 126 Siddipet 712 515 133 40 8 3 1327 Suryapet 576 266 181 73 30 16 1028 Vikarabad 647 245 184 95 83 35 529 Wanaparthy 336 80 123 55 31 32 1530 WarangalRural 558 401 85 29 10 25 831 WarangalUrban 260 218 28 8 1 3 232 YadadriBhongir 550 343 122 54 16 8 7

Total: 17687 9977 3764 1987 1150 493 316

Table 20: SERP - District wise Grading status of VOs

S.No District Name No. of Vos

Grade VO not Graded

80Stree Nidhi80

A B C D E1 Adilabad 83 62 10 5 2 0 42 Badradri 133 84 26 12 3 6 23 Jagitial 164 49 12 1 0 0 1024 Jangoan 34 32 1 0 0 0 15 Jayashankar 29 0 0 0 0 0 296 Jogulamba 78 12 1 2 2 1 607 Kamareddy 92 71 7 3 3 2 68 Karimnagar 240 128 23 12 0 0 779 Khammam 297 153 67 26 7 4 4010 KomaramBheem 42 32 1 3 3 3 011 Mahabubabad 79 35 9 3 1 1 3012 Mahabubnagar 156 76 11 6 0 0 6313 Mancherial 217 170 28 9 1 1 814 Medak 55 49 4 0 0 0 215 Medchal-Malkajgiri 260 131 40 14 2 2 7116 Nagarkurnool 111 23 25 0 0 1 6217 Nalgonda 231 72 42 10 2 3 10218 Narayanpet 26 23 2 1 0 0 019 Nirmal 93 40 14 5 2 0 3220 Nizamabad 309 151 40 11 6 6 9521 Peddapalli 207 39 5 0 0 1 16222 Rajanna 117 88 21 4 2 0 223 Rangareddy 236 121 30 12 4 2 6724 Sangareddy 172 134 16 2 1 1 1825 Siddipet 138 90 27 11 0 1 926 Suryapet 209 94 32 19 3 8 5327 Vikarabad 97 49 25 6 3 0 1428 Wanaparthy 89 25 15 3 0 1 4529 WarangalRural 65 39 4 1 1 1 1930 WarangalUrban 512 342 81 8 1 4 7631 YadadriBhongir 104 64 12 6 2 4 16

Total 4675 2478 631 195 51 53 1267

22362 12455 4395 2182 1201 546 1583

SERP & MEPMA

Grand Total

Table 21: MEPMA - District wise Grading status of SLFs

S.No District Name No. of VOs

Grade VO not Graded


A B C D E1 Adilabad 83 62 10 5 2 0 42 Badradri 133 84 26 12 3 6 23 Jagitial 164 49 12 1 0 0 1024 Jangoan 34 32 1 0 0 0 15 Jayashankar 29 0 0 0 0 0 296 Jogulamba 78 12 1 2 2 1 607 Kamareddy 92 71 7 3 3 2 68 Karimnagar 240 128 23 12 0 0 779 Khammam 297 153 67 26 7 4 4010 KomaramBheem 42 32 1 3 3 3 011 Mahabubabad 79 35 9 3 1 1 3012 Mahabubnagar 156 76 11 6 0 0 6313 Mancherial 217 170 28 9 1 1 814 Medak 55 49 4 0 0 0 215 Medchal-Malkajgiri 260 131 40 14 2 2 7116 Nagarkurnool 111 23 25 0 0 1 6217 Nalgonda 231 72 42 10 2 3 10218 Narayanpet 26 23 2 1 0 0 019 Nirmal 93 40 14 5 2 0 3220 Nizamabad 309 151 40 11 6 6 9521 Peddapalli 207 39 5 0 0 1 16222 Rajanna 117 88 21 4 2 0 223 Rangareddy 236 121 30 12 4 2 6724 Sangareddy 172 134 16 2 1 1 1825 Siddipet 138 90 27 11 0 1 926 Suryapet 209 94 32 19 3 8 5327 Vikarabad 97 49 25 6 3 0 1428 Wanaparthy 89 25 15 3 0 1 4529 WarangalRural 65 39 4 1 1 1 1930 WarangalUrban 512 342 81 8 1 4 7631 YadadriBhongir 104 64 12 6 2 4 16

Total 4675 2478 631 195 51 53 1267

22362 12455 4395 2182 1201 546 1583

SERP & MEPMA

Grand Total

Table 21: MEPMA - District wise Grading status of SLFs

S.No District Name No. of VOs

Grade VO not Graded

82Stree Nidhi82

message - telangana...loan disbursement 1835 2318.32 no. of shgs covered 1,72,125 2,03,944 no. of...

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