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
3 333Annual Report 2018-19
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
4Stree Nidhi4
5 555Annual Report 2018-19
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
7 777Annual Report 2018-19
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.)
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9 999Annual Report 2018-19
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
10Stree Nidhi10
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
11 111111Annual Report 2018-19
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
12Stree Nidhi12
13 131313Annual Report 2018-19
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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1 111Annual Report 2018-19
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.
2Stree Nidhi2
Adva
ntag
es o
f loa
ns o
f Str
ee N
idhi
for S
HGs
3 333Annual Report 2018-19
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.
4Stree Nidhi4
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 -
5 555Annual Report 2018-19
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,
7 777Annual Report 2018-19
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.
8Stree Nidhi8
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
9 999Annual Report 2018-19
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.
11 111111Annual Report 2018-19
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.
13 131313Annual Report 2018-19
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
15 151515Annual Report 2018-19
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.
17 171717Annual Report 2018-19
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 -
19 191919Annual Report 2018-19
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
21 212121Annual Report 2018-19
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
23 232323Annual Report 2018-19
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
Amount % to Total Income
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
25 252525Annual Report 2018-19
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.
27 272727Annual Report 2018-19
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.
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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.
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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.
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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
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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:
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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:
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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.
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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.
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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
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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.
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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 -
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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
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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
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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.
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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 -
45 454545Annual Report 2018-19
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 -
47 474747Annual Report 2018-19
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.
49 494949Annual Report 2018-19
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
51 515151Annual Report 2018-19
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
53 535353Annual Report 2018-19
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
55 555555Annual Report 2018-19
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
57 575757Annual Report 2018-19
2017
2018
2019
2017
2018
2019
2017
2018
2019
2017
2018
2019
2017
2018
2019
2017
2018
2019
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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
59 595959Annual Report 2018-19
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
61 616161Annual Report 2018-19
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)
63 636363Annual Report 2018-19
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
1179
837
80.49
18Na
lgond
a35
123
7928
.4210
668
5565
.1828
128
4.56
4607
213
778.1
519
Nara
yanp
et88
6021
47.26
2540
1325
.2750
49.86
1145
035
22.39
20Ni
rmal
1126
728
15.87
6291
3237
.6019
919
9.41
1775
762
52.88
21Ni
zam
abad
4484
110
105.0
513
134
6701
.4820
920
5.42
5818
417
011.9
522
Pedd
apall
i12
642
2804
.8537
2419
51.37
163
161.6
116
529
4917
.8323
Rajan
na15
593
3434
.8377
2639
85.74
8081
.9323
399
7502
.5024
Rang
ared
dy23
168
5731
.1810
706
5623
.9419
319
2.81
3406
711
547.9
425
Sang
ared
dy24
694
5919
.6973
2338
30.53
316
359.4
332
333
1010
9.66
26Si
ddip
et23
560
5707
.5998
8852
36.78
390
398.0
233
838
1134
2.39
27Su
ryap
et23
982
6028
.9261
9832
19.93
9292
.4130
272
9341
.2528
Vika
raba
d11
297
2814
.0145
7323
50.07
1413
.6815
884
5177
.7629
Wan
apar
thy
9763
2363
.8829
3915
65.54
1616
.3112
718
3945
.7330
War
anga
l Rur
al12
201
2936
.1212
025
6227
.0442
242
1.72
2464
895
84.89
31W
aran
gal U
rban
2523
443
67.60
1203
061
38.81
232
251.7
837
496
1075
8.18
32Ya
dadr
i Bho
ngir
2272
549
65.52
7611
3991
.4016
316
3.07
3049
991
20.00
Tota
l52
7434
1207
77.6
720
4443
1061
91.6
147
4948
84.1
173
6626
2318
53.4
0
Tabl
e 8:
Dis
tric
t wis
e, p
rodu
ct w
ise
cred
it fl
ow -
FY 2
018-
19
S.N
oD
istr
ict
Suvi
dha
Prag
athi
Aksh
aya
Tota
l(R
s. C
r)
65 656565Annual Report 2018-19
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
1179
837
80.49
18Na
lgond
a35
123
7928
.4210
668
5565
.1828
128
4.56
4607
213
778.1
519
Nara
yanp
et88
6021
47.26
2540
1325
.2750
49.86
1145
035
22.39
20Ni
rmal
1126
728
15.87
6291
3237
.6019
919
9.41
1775
762
52.88
21Ni
zam
abad
4484
110
105.0
513
134
6701
.4820
920
5.42
5818
417
011.9
522
Pedd
apall
i12
642
2804
.8537
2419
51.37
163
161.6
116
529
4917
.8323
Rajan
na15
593
3434
.8377
2639
85.74
8081
.9323
399
7502
.5024
Rang
ared
dy23
168
5731
.1810
706
5623
.9419
319
2.81
3406
711
547.9
425
Sang
ared
dy24
694
5919
.6973
2338
30.53
316
359.4
332
333
1010
9.66
26Si
ddip
et23
560
5707
.5998
8852
36.78
390
398.0
233
838
1134
2.39
27Su
ryap
et23
982
6028
.9261
9832
19.93
9292
.4130
272
9341
.2528
Vika
raba
d11
297
2814
.0145
7323
50.07
1413
.6815
884
5177
.7629
Wan
apar
thy
9763
2363
.8829
3915
65.54
1616
.3112
718
3945
.7330
War
anga
l Rur
al12
201
2936
.1212
025
6227
.0442
242
1.72
2464
895
84.89
31W
aran
gal U
rban
2523
443
67.60
1203
061
38.81
232
251.7
837
496
1075
8.18
32Ya
dadr
i Bho
ngir
2272
549
65.52
7611
3991
.4016
316
3.07
3049
991
20.00
Tota
l52
7434
1207
77.6
720
4443
1061
91.6
147
4948
84.1
173
6626
2318
53.4
0
Tabl
e 8:
Dis
tric
t wis
e, p
rodu
ct w
ise
cred
it fl
ow -
FY 2
018-
19
S.N
oD
istr
ict
Suvi
dha
Prag
athi
Aksh
aya
Tota
l(R
s. C
r)
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
1A
dila
bad
766
1.86
00.
0039
0.02
823
3.52
2743
6.80
340.
1232
41.
2269
72.
6621
0.12
360
0.54
5806
16.8
62
Badr
adri
371
0.88
00.
001
0.00
1999
7.74
3969
10.3
617
90.
7520
277.
2860
7721
.82
430.
2464
60.
9615
311
50.0
33
Jagi
tial
3247
8.22
310.
0227
10.
1730
0812
.99
1054
327
.74
279
1.29
3441
14.9
244
8718
.06
587
3.23
572
0.85
2646
687
.48
4Ja
ngoa
n87
00.
0213
0.01
507
0.31
5100
26.0
836
3010
.58
308
1.48
1365
6.48
2087
10.6
513
307.
3042
90.
6415
639
63.5
45
Jaya
shan
kar
385
1.02
20.
0062
0.04
1064
4.30
3079
7.64
610.
2821
20.
8466
32.
442
0.01
193
0.29
5722
16.8
66
Jogu
lam
ba25
2.17
10.
0027
0.02
1258
3.70
2329
4.95
570.
1619
90.
6266
21.
6914
0.08
151
0.22
4723
13.6
27
Kam
ared
dy12
963.
1911
170.
5727
301.
6795
07.
8994
6831
.28
155
0.77
2040
9.56
1920
12.7
493
35.
1259
10.
8821
199
73.6
78
Kar
imna
gar
1969
4.88
736
0.38
3691
2.27
3379
17.9
690
5327
.31
371
1.73
2211
9.82
2640
14.1
519
2710
.58
498
0.74
2647
589
.81
9K
ham
mam
1244
3.12
240.
0142
90.
2648
3222
.19
1229
132
.14
213
1.13
2588
12.7
375
2735
.01
474
2.60
879
1.31
3050
111
0.49
10K
omar
am B
heem
142
0.31
260.
0117
30.
1128
91.
2617
094.
5255
0.21
450
1.45
619
2.30
110.
0634
60.
5138
2010
.74
11M
ahab
ubab
ad88
62.
130
0.00
500.
0322
358.
5551
0613
.07
970.
4374
53.
2125
019.
4414
0.08
440
0.65
1207
437
.60
12M
ahab
ubna
gar
4710
6.47
290.
0111
280.
6921
0110
.40
6399
18.8
115
50.
6896
53.
9320
359.
6130
61.
6847
20.
7018
299
52.9
913
Man
cher
ial
581
1.25
114
0.06
1274
0.78
2342
10.8
447
3513
.69
770.
3270
02.
8616
657.
2168
0.37
552
0.82
1210
838
.20
14M
edak
966
2.42
139
0.06
2146
1.32
630
4.57
1124
531
.47
610.
3388
94.
2815
779.
3519
8810
.92
506
0.75
2014
665
.47
15M
edch
al-M
alka
jgir
i70
81.
4341
80.
2164
50.
3913
10.
4242
42.
6356
0.29
974
3.81
1113
5.85
260.
1426
40.
3947
5915
.57
16M
ulug
u22
30.
590
0.00
00.
0059
52.
8020
055.
4056
0.27
506
2.36
1319
5.63
470.
2614
20.
2148
9317
.51
17N
agar
kurn
ool
282
0.65
180.
0129
0.02
1600
6.72
4198
10.8
492
0.42
699
3.03
1188
4.95
565
3.11
506
0.75
9177
30.4
818
Nal
gond
a28
037.
0090
90.
4622
911.
4097
1138
.99
1449
539
.83
559
2.52
2601
11.2
743
4720
.39
340.
1910
651.
5838
815
123.
6219
Nar
ayan
pet
1256
1.83
10.
0091
0.06
1842
8.52
4928
13.6
510
00.
4354
02.
3110
785.
1727
0.15
294
0.44
1015
732
.55
20N
irm
al13
713.
464
0.00
590.
0449
7622
.43
5876
15.1
610
00.
5211
345.
6019
428.
8522
11.
2148
80.
7216
171
58.0
121
Niz
amab
ad85
1921
.57
1321
0.67
3777
2.31
768
6.19
1827
454
.73
331
1.43
5069
21.4
955
5227
.05
1511
8.29
464
0.69
4558
514
4.43
22Pe
ddap
alli
274
0.47
900.
0597
10.
5915
338.
3582
3622
.33
730.
4252
62.
7289
55.
5141
72.
2946
40.
6913
479
43.4
223
Raj
anna
984
2.41
137
0.07
2308
1.41
2390
12.4
163
4217
.70
292
1.35
2125
9.47
2226
11.0
358
23.
2028
50.
4217
670
59.4
724
Ran
gare
ddy
2427
6.06
102
0.05
253
0.15
3676
15.1
810
623
28.8
522
71.
0826
2410
.97
5028
21.4
023
0312
.64
678
1.01
2794
197
.38
25Sa
ngar
eddy
3701
9.30
410.
0212
390.
7640
4116
.66
9988
26.8
711
60.
5817
037.
2537
5116
.30
932
5.12
692
1.03
2620
383
.90
26Si
ddip
et27
026.
7945
0.02
959
0.59
3493
16.3
013
344
36.7
521
21.
0016
978.
3833
8516
.40
1629
8.97
718
1.07
2818
396
.26
27Su
ryap
et33
308.
341
0.00
107
0.06
5387
19.8
991
5423
.65
247
1.10
1742
7.19
4452
16.0
682
0.45
644
0.96
2514
577
.70
28V
ikar
abad
727
1.79
00.
0027
0.02
4136
16.1
748
5612
.62
570.
2379
53.
2714
806.
0831
71.
7449
70.
7412
892
42.6
629
Wan
apar
thy
445
1.04
20.
0021
70.
1321
868.
4953
7613
.98
106
0.51
486
2.08
954
3.98
517
2.84
270
0.40
1055
833
.46
30W
aran
gal R
ural
1370
3.45
50.
0055
40.
3476
9936
.70
6413
17.3
027
61.
4013
856.
8838
5519
.06
380
2.09
524
0.78
2246
187
.99
31W
aran
gal U
rban
435
0.64
835
0.43
2139
1.31
3389
19.1
814
496.
3311
80.
6510
084.
9214
669.
4393
55.
1356
30.
8412
337
48.8
632
Yad
adri
Bho
ngir
1071
2.63
816
0.42
1591
0.97
4061
18.6
686
68.5
24.7
062
52.
7016
756.
8838
3216
.27
846
4.64
564
0.84
2375
078
.72
SER
P To
tal:
5008
611
7.40
6977
3.55
2978
518
.21
9162
241
6.05
2209
4161
3.70
5745
26.5
645
445
199.
1083
018
376.
5319
089
104.
8315
757
23.4
256
8465
1899
.36
Tabl
etTo
tal
Tabl
e 9(
a): S
ERP
- D
istr
ict w
ise
Purp
ose
wis
e Lo
an d
isbu
rsem
ent r
epor
t for
FY
201
8-19
(Rs.
cr.
S.N
oD
istr
ict N
ame
Con
sum
ptio
nSm
all B
usin
ess
Smar
tpho
neBi
cycl
eA
ctiv
ities
A
llied
to
agri
cultu
reA
gric
ultu
reSe
lf Em
ploy
ed -
Indu
stry
Self
Empl
oyed
- Se
rvic
eD
airy
66Stree Nidhi66
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
Mem
.A
mt.
1A
dila
bad
313
0.83
00.
004
0.00
124
0.42
230
0.59
410.
1334
71.
1611
973.
611
0.01
360.
0522
936.
822
Badr
adri
143
0.38
200.
0110
0.01
120
0.42
970.
2711
10.
4281
32.
8421
437.
712
0.01
780.
1235
3712
.17
3Ja
gitia
l25
70.
756
0.00
690.
0433
0.11
273
0.75
710.
2690
13.
1314
424.
839
0.05
290.
0430
909.
954
Jang
oan
880.
233
0.00
136
0.08
280.
1323
0.06
105
0.54
200
0.86
474
2.00
120.
0725
0.04
1094
4.00
5Jo
gula
mba
40.
093
0.00
100
0.06
165
0.66
144
0.37
60.
0288
0.34
164
0.63
40.
020
0.00
678
2.20
6K
amar
eddy
147
0.50
110
0.06
315
0.19
111
0.48
571
1.65
520.
2374
72.
7079
33.
8197
0.53
290.
0429
7210
.21
7K
arim
naga
r13
483.
5320
70.
1161
20.
3718
70.
6979
12.
1317
40.
7214
555.
3425
9510
.49
710.
3988
0.13
7528
23.9
08
Kha
mm
am23
80.
670
0.00
119
0.07
284
1.15
757
1.96
960.
4014
435.
5233
1212
.20
260.
1422
0.03
6297
22.1
49
Kom
aram
Bhe
em12
20.
310
0.00
00.
0038
0.12
520.
1421
0.06
310
0.94
627
1.97
30.
0236
0.05
1209
3.61
10M
ahab
ubab
ad14
00.
580
0.00
120.
0120
50.
6356
11.
4526
0.11
297
1.17
873
2.72
10.
010
0.00
2115
6.68
11M
ahab
ubna
gar
1454
4.03
50.
0046
70.
2972
0.26
223
0.57
650.
1810
002.
7317
445.
171
0.01
720.
1151
0313
.34
12M
anch
eria
l76
12.
0913
0.01
391
0.24
290
0.93
1410
3.64
103
0.40
1443
5.19
3872
13.1
944
0.24
107
0.16
8434
26.1
013
Med
ak21
40.
6159
0.03
1198
0.74
460.
1494
82.
4732
0.16
441
1.75
308
3.39
490.
2721
0.03
3316
9.59
14M
edch
al-M
alka
jgir
i13
003.
7080
90.
4119
851.
2179
0.25
295
0.90
153
0.61
2084
7.88
2528
15.1
848
0.26
00.
0092
8130
.41
15N
agar
kurn
ool
130.
070
0.00
00.
0017
30.
5977
41.
9829
0.10
653
1.89
877
2.42
410.
2328
0.04
2588
7.32
16N
algo
nda
168
0.49
394
0.20
896
0.55
589
1.83
394
1.01
119
0.45
848
3.15
1095
6.37
10.
0161
0.09
4565
14.1
617
Nar
ayan
pet
140
0.48
00.
003
0.00
330.
1637
00.
9613
0.08
500.
2422
10.
741
0.01
00.
0083
12.
6618
Nir
mal
307
0.81
00.
000
0.00
690.
2238
10.
9727
0.08
148
0.61
613
1.80
20.
0110
0.01
1557
4.52
19N
izam
abad
1336
3.50
172
0.09
1212
0.74
152
0.51
1775
4.77
131
0.51
1775
5.78
2029
9.03
106
0.58
123
0.18
8811
25.6
920
Pedd
apal
li13
10.
5819
50.
1058
30.
3610
60.
4979
52.
0611
0.06
142
0.66
-11
1.32
240.
130
0.00
1976
5.76
21R
ajan
na53
41.
360
0.00
235
0.14
450.
1856
01.
7013
254.
6075
52.
7311
744.
6216
0.09
930.
1447
3715
.55
22R
anga
redd
y84
32.
352
0.00
112
0.07
247
0.76
968
2.58
670.
2613
894.
4222
167.
4535
0.19
00.
0058
7918
.08
23Sa
ngar
eddy
1168
3.11
140.
0120
10.
1217
90.
5757
61.
5170
0.26
1136
4.03
1988
7.14
670.
3752
0.08
5451
17.2
024
Sidd
ipet
991
2.55
00.
007
0.00
135
0.57
1178
3.12
870.
4487
63.
5319
186.
7219
0.10
870.
1352
9817
.16
25Su
ryap
et64
01.
730
0.00
30.
0039
11.
3957
41.
4866
0.25
1020
3.40
2280
7.30
20.
0197
0.14
5073
15.7
026
Vik
arab
ad38
00.
990
0.00
330.
0212
20.
4657
21.
4627
0.09
649
2.11
1137
3.91
00.
0048
0.07
2968
9.12
27W
anap
arth
y28
40.
8316
0.01
163
0.10
222
0.75
364
0.94
970.
3730
51.
0750
41.
7238
0.21
00.
0019
936.
0028
War
anga
l Rur
al24
40.
640
0.00
170.
0181
0.29
120
0.33
410.
2134
01.
6010
364.
6123
0.13
320.
0519
347.
8629
War
anga
l Urb
an25
116.
2830
901.
5843
522.
6740
11.
1510
552.
7439
51.
6727
6210
.59
2883
31.4
02
0.01
315
0.47
1776
658
.57
30Y
adad
ri B
hong
ir14
90.
4866
90.
3479
30.
4925
40.
8581
92.
1035
51.
1382
92.
7528
14.
1631
0.17
150.
0241
9512
.48
MEP
MA
Tot
al:
1636
844
.58
5787
2.96
1402
88.
5949
8117
.15
1765
046
.68
3916
14.7
925
246
142.
4342
313
187.
6177
64.
2715
042.
2413
2569
418.
9766
454
161.
9812
764
6.51
2443
813
26.8
196
603
433.
223
8591
660.
3896
6141
.355
7069
134
1.53
512
5331
564.
1419
865
109.
117
261
25.6
5870
1034
2318
.32
Tabl
e 9(
a): M
EPM
A -
Dis
tric
t wis
e Pu
rpos
e w
ise
Loan
dis
burs
emen
t rep
ort f
or F
Y 2
018-
19(R
s. cr
.)
S.N
oD
istr
ict N
ame
Con
sum
ptio
nSm
artp
hone
Bicy
cle
Act
iviti
es A
llied
to
agr
icul
ture
Agr
icul
ture
Self
Empl
oyed
- In
dust
ry
Gra
nd T
otal
:
Self
Empl
oyed
- Se
rvic
eSm
all B
usin
ess
Dai
ryT
able
tT
otal
67 676767Annual Report 2018-19
Tota
l M
embe
rsM
embe
rs
Ava
iled
Am
ount
Tota
l M
embe
rsM
embe
rs
Ava
iled
Am
ount
Tota
l M
embe
rsM
embe
rs
Ava
iled
Am
ount
Tota
l M
embe
rsM
embe
rs
Ava
iled
Am
ount
Tota
l M
embe
rsM
embe
rs
Ava
iled
Am
ount
Tot
al
Mem
bers
Mem
bers
A
vaile
dA
mou
nt
1A
dila
bad
3826
911
613.
4619
214
1249
3.66
3778
298
0.89
3573
727
927.
4757
9730
61.
3910
2795
5806
16.8
62
Bad
radr
i71
221
4719
15.3
923
555
2442
7.96
2161
293
1.01
5261
967
6721
.03
1107
610
904.
6416
0632
1531
150
.03
3Ja
gitia
l56
7758
82.
0038
721
6350
21.0
629
0140
11.
3111
2203
1777
257
.76
1103
613
555.
3517
0538
2646
687
.48
4Ja
ngoa
n14
243
1342
5.45
2735
937
9315
.07
1428
216
0.93
7084
594
1139
.89
7364
877
2.19
1212
3915
639
63.5
45
Jaya
shan
kar
7641
208
0.63
1913
010
173.
0313
5714
50.
4248
882
3983
11.3
458
8036
91.
4582
890
5722
16.8
66
Jogu
lam
ba12
0056
0.15
2048
187
72.
5437
1319
40.
5946
288
3317
7.17
4769
279
3.17
7645
147
2313
.62
7K
amar
eddy
1330
475
52.
5032
920
3711
12.3
811
337
1567
5.63
1078
6913
506
46.2
314
555
1660
6.92
1799
8521
199
73.6
78
Kar
imna
gar
1751
281
0.89
3945
666
7521
.92
2089
377
1.24
9736
716
691
56.6
115
403
2451
9.15
1560
6626
475
89.8
19
Kha
mm
am41
052
3935
13.7
162
000
7615
27.9
344
7463
22.
3410
3555
1533
253
.81
2985
929
8712
.70
2409
4030
501
110.
4910
Kom
aram
Bheem
2590
448
41.
4013
851
614
1.73
1840
228
0.68
3383
222
625.
8136
8323
21.
1379
110
3820
10.7
411
Mah
abub
abad
5990
722
056.
5723
026
1637
5.05
2565
218
0.68
6932
773
9422
.83
7642
620
2.48
1624
6712
074
37.6
012
Mah
abub
naga
r15
766
1576
4.43
1960
422
386.
5957
9486
42.
6277
595
1253
435
.65
8956
1087
3.71
1277
1518
299
52.9
913
Man
cher
ial
1360
512
033.
6836
332
3213
10.1
620
1714
90.
4466
957
7056
21.8
856
9348
72.
0312
4604
1210
838
.20
14M
edak
1178
870
82.
2327
739
3837
12.6
342
5455
31.
8194
211
1412
345
.04
7115
925
3.76
1451
0720
146
65.4
715
Med
chal
-Mal
kajg
iri30
2175
0.25
1392
380
62.
6036
9222
90.
7048
838
3203
10.4
511
792
446
1.57
8126
647
5915
.57
16M
ulug
u18
544
665
2.20
1149
068
42.
4114
4912
90.
4531
739
2914
10.4
147
8450
12.
0568
006
4893
17.5
117
Nag
arku
rnoo
l19
859
875
2.68
3395
819
896.
8056
7533
21.
1870
220
5220
16.2
711
948
761
3.55
1416
6091
7730
.48
18N
algo
nda
4358
735
0910
.70
6810
987
7128
.65
6605
939
3.06
1641
3222
552
69.8
029
272
3044
11.4
231
1705
3881
512
3.62
19N
aray
anpe
t39
1531
50.
9212
840
1195
3.74
4397
719
2.28
5601
170
6822
.47
6994
860
3.14
8415
710
157
32.5
520
Nirm
al15
488
1289
4.55
2413
431
6711
.24
5893
938
3.25
7219
397
8334
.42
7802
994
4.54
1255
1016
171
58.0
121
Niz
amab
ad22
457
2575
7.93
4656
784
7426
.74
2217
746
9014
.89
1408
7827
073
85.3
917
628
2773
9.48
2497
0745
585
144.
4322
Pedd
apal
li28
1623
50.
7525
388
2713
8.55
2266
211
0.69
8337
395
4830
.42
7083
772
2.99
1209
2613
479
43.4
223
Raja
nna
5742
382
1.32
2642
046
3115
.50
2001
345
1.17
6396
110
531
35.3
210
263
1781
6.16
1083
8717
670
59.4
724
Rang
ared
dy24
159
2305
7.83
5646
662
0021
.43
1060
910
723.
7713
2587
1601
955
.07
2656
623
459.
2925
0387
2794
197
.38
25Sangareddy
1421
396
33.
1253
698
7130
22.7
318
155
2289
7.47
1080
0714
262
44.6
014
543
1559
5.98
2086
1626
203
83.9
026
Siddipet
5765
604
2.07
4284
362
9421
.23
3872
571
1.97
1254
8518
282
61.1
920
355
2432
9.80
1983
2028
183
96.2
627
Suryapet
2487
123
566.
9544
338
5755
18.0
054
9065
52.
1296
106
1422
743
.07
1849
521
527.
5618
9300
2514
577
.70
28V
ikar
abad
1705
592
92.
9036
015
2707
9.14
1075
793
93.
2374
782
7256
22.9
112
496
1061
4.47
1511
0512
892
42.6
629
Wan
apar
thy
8194
538
1.71
1662
218
516.
0434
5030
60.
9757
328
7107
21.9
772
3875
62.
7692
832
1055
833
.46
30WarangalR
ural
2320
325
569.
5629
435
3676
13.9
823
0639
81.
5696
408
1446
256
.58
1038
713
696.
3116
1739
2246
187
.99
31WarangalU
rban
1907
284
1.17
1834
728
3210
.41
567
690.
3047
995
8387
33.3
854
2976
53.
6074
245
1233
748
.86
32YadadriBhongir
1148
415
525.
3132
156
4540
15.0
831
8341
51.
4210
3193
1538
349
.89
1604
018
607.
0216
6056
2375
078
.72
5876
0841
228
134.
4199
6137
1186
8339
5.99
1622
5221
381
71.1
025
9052
334
6217
1136
.09
3779
4340
956
161.
7647
1446
356
8465
1899
.36
Tot
al
SER
P TO
TAL:
(Rs.
cr.)
Tabl
e 10
(a):
SER
P- D
istr
ict w
ise
Soci
al C
ateg
ory
Rep
ort a
s on
FY 2
018-
19
S.N o
Dis
tric
t Nam
e
STSC
Min
ority
BC
OC
68Stree Nidhi68
Tot
al
Mem
bers
Mem
bers
A
vaile
dA
mou
ntT
otal
M
embe
rsM
embe
rs
Ava
iled
Am
ount
Tot
al
Mem
bers
Mem
bers
A
vaile
dA
mou
ntT
otal
M
embe
rsM
embe
rs
Ava
iled
Am
ount
Tot
al
Mem
bers
Mem
bers
A
vaile
dA
mou
ntT
otal
M
embe
rsM
embe
rs
Ava
iled
Am
ount
1A
dila
bad
3963
510
00.
2923
994
379
1.11
1096
037
71.
1251
811
1101
3.38
5797
336
0.92
1321
9722
936.
822
Badr
adri
8156
533
21.
0540
059
625
2.23
8583
458
1.62
9457
918
646.
5211
076
258
0.75
2358
6235
3712
.17
3Ja
gitia
l64
8712
0.04
4631
542
71.
3413
857
539
1.64
1687
5318
226.
0811
036
290
0.84
2464
4830
909.
954
Jang
oan
1457
317
0.06
3055
715
10.
5228
7412
80.
4682
941
681
2.59
7364
117
0.38
1383
0910
944.
005
Jogu
lam
ba14
082
0.01
2396
122
90.
7472
3112
50.
3963
400
274
0.91
4769
480.
1610
0769
678
2.20
6K
amar
eddy
1360
032
0.10
3421
036
01.
3415
989
641
2.14
1188
1516
625.
7514
555
277
0.89
1971
6929
7210
.21
7K
arim
naga
r32
1516
20.
4951
538
1256
3.90
8713
387
1.17
1541
4949
7816
.15
1540
374
52.
2023
3018
7528
23.9
08
Kha
mm
am46
104
261
0.85
8092
010
363.
6215
504
414
1.55
1763
3538
7613
.60
2985
971
02.
5334
8722
6297
22.1
49
Kom
aram
Bheem
2601
26
0.02
1804
731
70.
9147
4222
70.
6644
186
557
1.73
3683
102
0.28
9667
012
093.
6110
Mah
abub
abad
6311
739
61.
2325
832
435
1.36
4009
104
0.33
8167
196
43.
1376
4221
60.
6218
2271
2115
6.68
11M
ahab
ubna
gar
1819
687
0.26
2531
423
00.
6120
112
1219
3.00
1263
2529
667.
9289
5660
11.
5519
8903
5103
13.3
412
Man
cher
ial
1511
717
30.
5249
040
1944
5.62
4559
365
1.16
1030
1753
1717
.06
5693
635
1.74
1774
2684
3426
.10
13M
edak
1195
849
0.14
2992
749
81.
4568
8831
40.
8410
2763
2202
6.43
7115
253
0.71
1586
5133
169.
5914
Med
chal
-Mal
kajg
iri33
3928
81.
0426
315
1420
4.58
6146
439
1.40
6612
655
2918
.25
1179
216
055.
1511
3718
9281
30.4
115
Nag
arku
rnoo
l20
633
108
0.32
3601
033
00.
9384
1734
70.
9483
464
1513
4.34
1194
829
00.
7916
0472
2588
7.32
16N
algo
nda
4645
314
60.
4780
725
670
2.10
1550
741
81.
3421
3260
2702
8.38
2927
862
91.
8638
5223
4565
14.1
617
Nar
ayan
pet
3915
80.
0212
840
133
0.44
4397
108
0.33
5601
147
31.
5769
9410
90.
3084
157
831
2.66
18N
irmal
1582
851
0.14
2713
615
10.
4511
207
114
0.32
9463
110
163.
0078
0222
50.
6115
6604
1557
4.52
19N
izam
abad
2346
921
20.
6357
439
1157
3.28
5161
517
375.
2220
8846
4822
14.0
617
628
883
2.51
3589
9788
1125
.69
20Pe
ddap
alli
3492
260.
0434
462
304
0.84
6962
123
0.40
1089
4113
454.
0070
9117
80.
4816
0948
1976
5.76
21R
ajan
na61
8031
0.10
2942
421
20.
6447
6919
80.
6210
3859
3979
13.3
610
265
317
0.83
1544
9747
3715
.55
22R
anga
redd
y24
593
331
1.03
5761
298
42.
9912
593
492
1.42
1416
4532
9910
.34
2656
677
32.
3026
3009
5879
18.0
823
Sangareddy
1472
114
50.
4459
882
816
2.60
3116
910
003.
0613
1805
2759
8.89
1454
373
12.
2025
2120
5451
17.2
024
Siddipet
6571
710.
2352
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
69 696969Annual Report 2018-19
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
71 717171Annual Report 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
73 737373Annual Report 2018-19
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
Ifcompleted-4Marks,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
ii.WhetherAnnualGeneralBodyMeetingfor2017-18conducted? 4
iii.Leadershipchangeduring2017-18asperMACSAct'95 4
iv.Whetherannualreturnsfor2017-18withfiledtotheDCO 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.
"NO GRADING WILL BE DONE"
Table 15: Criteria for Grading of Town Level Federation {TLF}Criteria and Marks
Ifnotconductedasparticularcriteriai.e.,notevenonemeetinginamonth
(NoMarks)
Ifupdatingofthebooksafter1month(0Marks)
7
Ifcompleted-3Marks,Notcompleted-0Marks
Ifcompleted-4Marks,Notcompleted-0Marks
Ifchanged-4Marks,Notcompleted-0Marks
Iffiled-3Marks,Notcompleted-0Marks
75 757575Annual Report 2018-19
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
3 %ofattendanceofECmembers(Averageoflast6months)tototalECmembers
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
ii.WhetherAnnualGeneralBodyMeetingfor2017-18conducted? 4
iii.Leadershipchangeduring2017-18asperMACSAct'95 4
iv.Whetherannualreturnsfor2017-18withfiledtotheDCO 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
2 Misutilization/Misappropriation,ifany
100
9
Iffiled-3Marks,Notcompleted-0Marks
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,
"NO GRADING WILL BE DONE"
'A'grade:>80%marks, ‘B’ grade: 71-79 % marks.
“E”grade:<50%marks.
6
Ifcompleted-3Marks,Notcompleted-0Marks
Ifcompleted-4Marks,Notcompleted-0Marks
Ifchanged-4Marks,Notcompleted-0Marks
'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
3 %ofattendanceofECmembers(Averageoflast6months)tototalECmembers
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
ii.WhetherAnnualGeneralBodyMeetingfor2017-18conducted? 4
iii.Leadershipchangeduring2017-18asperMACSAct'95 4
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
2 Misutilization/Misappropriation,ifany
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
"NO GRADING WILL BE DONE"
Net Marks
Criteria for awarding GRADE to SLF
Table 17: Criteria for Grading of Slum Level Federation {SLF}
Criteria and marks
Ifnotconductedasparticularcriteriai.e.,notevenonemeetinginamonth
(NoMarks)
MaintainingallbooksintimeandStreeNidhitransactionsarerecordedinminutes-(5Marks),ifnot0Marks
6
Ifcompleted-3Marks,Notcompleted-0Marks
Ifcompleted-4Marks,Notcompleted-0Marks
Ifchanged-4Marks,Notcompleted-0Marks
Iffiled-3Marks,Notcompleted-0Marks
77 777777Annual Report 2018-19
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
79 797979Annual Report 2018-19
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
81 818181Annual Report 2018-19
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