Transcript Introduction to NRLM

NRLM - SHG BANK LINKAGE PORTAL
IMPORTANCE OF SHG BANK LINKAGE PORTAL
 Data is sourced from the CBS source of the Banks on a monthly basis – most dynamic data available in
the country
 Present a correct picture of the SHG-BANK linkage in the country – minimizing the layering
 The data can be used by all the stakeholders - Banks, SRLMs, NRLM and NABARD
 For Credit Planning, Review and Augmenting the SHG-bank linkage
 To Monitor SHG Bank linkage progress on monthly basis.
 Operationalization of Interest Subvention scheme in category II districts
Agency-wise SHG Bank Loans to SHGs (Year wise outstanding)
Sl. No
Agency
Loans Outstanding against SHGs - Position as on
31.3.2012
1
Public Sector
2
31.3.2013
31.03.2014
24406.57
25371.18
28000.99
Pvt. Sector
1403.72
1268.26
1387.42
3
RRBs
8613.58
10521.23
11048.95
4
Coop. Banks
1916.14
2214.63
2490.16
36340.00
39375.30
42927.52
Total
Source of data: Microfinance report 2013-14 published by NABARD
MASTER CIRCULAR ON DATA SHARING – BY RBI
(RPCD.GSSD.CO.NO.7270-7295/09.01.03/2013-14, 02.01.2014)
Data Sharing:
 Every bank to share data on SHGs as per the template prescribed by NRLM.
 The data must directly come through CBS and must be transferred electronically
to the NRLM server
DATA SHARING TEMPLATE -1
Loan data
Loan
SHG Type of Amount
Loan Loan (for TL) /
A/c No (TL/CC) DP (for
CCL)
1
2
3
Date of
Loan/
Date of
Review
4
Repaym
ent
Instalm
No of
holiday
ent
ROI Instalm
/
amoun
ents
Morato
t
rium
5
6
7
8
Repay
ment
SB
Availed
Name
SB A/C
Freque
Villa
Distric PIN Acco
IFSC capital
of the
Block
Openin
ncy
ge
t
code unt
Code subsidySHG
g date
(M/Q/
No
(SGSY)
H/Y)
9
10
11
12
13
14
15
16
17
18
Y
N
DATA SHARING TEMPLATE -2
Statement of Account
Transaction
Loan A/C No
Date
1
2
Particulars
Debit
Credit
Closing
Balance
3
4
5
6
Branch
Code or
IFSC
7
1. File Format: Flat Files in Text Mode with “|” pipe symbol as column separator
2. Date Format
 Date Format across the whole system should be YYYY-MM-DD
3. File Naming Convention
 <Bank_Name>~<MMMYYYY>~<LOANS>
 <Bank_Name>~<MMMYYYY>~<TRANS>
MMMYYYY is the month of the transactions for which the file is being sent
<Loan> and <Trans> are the type of data sent in the file
<Loan> - Loan Details
<Trans>-Transactions related to the Loan OGB~DEC2014~
4. Data Sharing Mode: FTP With Credentials shared by NRLM
5. File will be processed only if it satisfies all the criteria given in the Format, else the file will not be
processed and the information will be passed with the File Name through automated mailing system to
corresponding bankers.
Data Sharing – Flow Chart
Loan Info. Sharing
Sanction Details
Fetch Information
Bank
Acknowledgement to SHG
Request send to Bank
Bank
Bank Server
NRLM Server
TSP database
Internet
Accessing Reports
SHG Request
loan to Bank
NRLM Website
NRLM-SHG BANK LINKAGE HOME PAGE
The reports are available a) Bank wise b) geographic wise
Bank wise:
1. For all the Banks
2. For all the Banks in the state
3. For all the Banks in the District
4. For all the Branches in the Bank.
5. For all the SHGs in the Branch.
Geographic wise:
1. For all the states
2. For all the districts in the state
3. For all the blocks in the district
4. For all the SHGs in the block.
MONITORING ARRANGEMENTS (R:1-ACHIEVEMENT REPORT)
MONITORING ARRANGEMENTS (R:2-LOAN OUTSTANDING AND DELINQUENCY REPORT)
MONITORING ARRANGEMENTS (R:3-INTEREST SUBVENTION IN CAT-2 DISTRICTS)
NRLM WEB-PORTAL
www.aajeevika.gov.in
www.nrlmbl.aajeevika.gov.in/NRLM/UI/Shared/homepage.aspx