Government Schemes for SHGs
A simple guide to the main central and state schemes for SHGs. Visit the office to find which ones your group qualifies for — we help with the application.
DAY-NRLM & Anandadhara (West Bengal)
It organises rural women into SHGs, village organisations and cluster federations to raise livelihoods. Registered groups get the revolving fund, community investment fund, training and interest subvention on bank loans.
- Revolving fund: usually ₹20,000–₹30,000
- Interest subvention on bank loans (prompt repayment)
- Markets and training through federations
Lakhpati Didi
A central initiative to help SHG members earn at least ₹1 lakh a year through skills, credit and market links in farming, livestock, small business and services.
- Livelihood planning and training
- Namo Drone Didi — drone services in farming
- Fairs and online marketplaces for products
Bank linkage & insurance
Through NABARD’s SHG–Bank Linkage Programme groups get credit without collateral. Members can join PMJJBY and PMSBY insurance at low premiums.
- Collateral-free credit up to ₹20 lakh
- PMJJBY life cover, PMSBY accident cover
- Option to join Atal Pension Yojana
📂 Documents required
- Group resolution and member list
- Savings account passbook
- Members’ Aadhaar and bank details
- Grading report / books of account
❓ Frequently asked questions
Is scheme money repayable?
The revolving fund stays as the group’s corpus; loans must be repaid. Ask the office for details.
Where do we apply?
At the society office, block office or through the Anandadhara worker. We help with papers.
Need more information or help?
Mon – Sat: 10 AM – 4 PM