The National Rural Livelihood Mission (NRLM) aims at to reach out to all poor families and nurture them till they come out of poverty and enjoy a decent quality of life was started in Himachal Pradesh in 2013. Nearly 50 thousand women from BPL and poor families in the state have been brought into the mainstream of the Mission through 9146 Self Help Groups (SHG).
In order to strengthen and provide greater financial support to the poor families with the goal of poverty alleviation through social mobilization, institutions and capacity building, financial inclusion, saturation approach, skill generation and a portfolio of sustainable livelihoods, NRLM was made operational in selected five intensive Blocks viz. Kandagaht, Mandi Sadar, Nurpur, Haroli and Basantpur whereas remaining Non Intensive Blocks have partially been covered.
The Centre has sanctioned Rs. 1496.98 lakh since inception of the programme for Himachal of which Rs. 333 lakh being the state share has already been spent.
In Himachal Pradesh, the NRLM would be covering all the BPL families initially and later on all the poorest of the poor and also families which are marginally above poverty line to be selected through the process of participatory identification of poor by organizing them into SHGs. These groups have been linked with Banks for micro financing. Under the programme, Bank would provide a loan of Rs. 2-3 lakh on seven percent interest to each SHG for initially starting its venture which would be repeated upto Rs. 10 lakh depending on the performance of the SHG.
In Shimla and Mandi district, banks will lend to all women SHGs upto Rs 3 lakh at 7 percent interest. These SHGs will also get additional interest subvention of 3 percent on regular repayment of loan, reducing the effective rate of interest to 4 percent. This interest subvention is being provided by the Government of India.
As of today, 7170 SHGs have been linked with the Banks providing them the credit of Rs. 72 crore against target of Rs. 148 crore. Revolving fund of Rs. 3.63 crore has also been distributed amongst the groups by the Department.
During the current fiscal, the focus will be on capacity building and institutionalization of SHGs. All active women of intensive block were being identified amongst SHGs members and being imparted training in such a manner so that they are able to take responsibility of internal Community Resource Persons (CRPs) for further providing necessary support to the SHGs and village organization. As many as 17 women have been trained as resource persons and 50 more women will be imparted training as Raibareli and HIPA. The Department has set the target of making 150 resource persons this year. These resource persons are provided a remuneration of Rs.500 per day while persuading the SHGs.
The major focus during the year 2015-16 would be on social mobilization, institution building, and communization and to create human resource. The major motive of the program is to train the women in funds management and 5542 women have been given training.
Information & Public Relations,
Himachal Pradesh, Shimla-2.