ଦୀନଦୟାଲ ଅନ୍ତ୍ୟୋଦୟ ଯୋଜନା – ଜାତୀୟ ଗ୍ରାମୀଣ ଜୀବିକା ମିଶନ (DAY-NRLM, ଆଜୀବିକା)

ପୃଷ୍ଠା ହାରାହାରି ଆକାର ଦିଏ, ସ୍ଥିର ରାଶି ନୁହେଁ; ସଠିକ ରାଶି ଆପଣଙ୍କ ରାଜ୍ୟ ଗ୍ରାମୀଣ ଜୀବିକା ମିସନ ସ୍ଥିର କରେ।

“This is a permanent fund of the SHG. It resides with Self Help Group and is used for interloaning among the members of the Self Help Group. The average size of the Revolving Fund is Rs. 20,000/- to Rs. 30,000/- per Self Help Group.”

ଏହା ଏକ ଋଣ ପାଣ୍ଠି, SHG କୁ ଅନୁଦାନ ନୁହେଁ: ମହାସଂଘ ଏହାକୁ ସ୍ଥାୟୀ ଭାବେ ରଖେ ଓ ଆଗକୁ ଋଣ ଦିଏ (RBI ମାଷ୍ଟର ସର୍କୁଲାର ଅନୁଚ୍ଛେଦ 5, ପୃ.3)।

“Community Investment Fund is extended to SHG federations which will be used to advance the loans to SHGs for undertaking socio-economic activities as per micro – credit /investment plan (MCP). An amount up to Rs. 2.50 lakh per SHG is given directly to the Cluster Level Federations (Village Organisations, in case CLF is not yet formed).”

ସର୍କୁଲାର 4.5% ବ୍ୟାଙ୍କ ରିହାତି ଛାପେ, FY 2025-26 ପାଇଁ; ବ୍ୟୟ ବଜେଟ 2026-27 (ଟିପ୍ପଣୀ ଦଫା 12, ପୃ.291) ₹3 ଲକ୍ଷ ପର୍ଯ୍ୟନ୍ତ ଋଣ 7% ରେ ପୁଣି କହେ, 2026-27 ପାଇଁ। କେବଳ ଋଣ ଖାତା ମାନକ ଥିବା ପର୍ଯ୍ୟନ୍ତ ଦିଆଯାଏ, NPA ନୁହେଁ (ପରିଶିଷ୍ଟ II(iv))।

“ii. For loans up to ₹3 lakh under the scheme, banks will extend credit at a concessional interest rate of 7% per annum. For outstanding credit balance up to ₹3 lakh, banks will be subvented at a uniform rate of 4.5% per annum during FY 2025-26.”

“iii. For loans above ₹3 lakh and up to ₹5 lakh under the scheme, banks will extend credit at interest rate equivalent to their 1 year-MCLR or any other external benchmark-based lending rate or 10% per annum, whichever is lower. For outstanding credit balance above ₹3 lakh and up to ₹5 lakh, banks will be subvented at a uniform rate of 5% per annum during FY 2025-26.”

କେବଳ ଗ୍ରାମାଞ୍ଚଳରେ DAY-NRLM ଅଧୀନ SHGର ମହିଳା ସଦସ୍ୟଙ୍କ ପାଇଁ, 1-ବର୍ଷ MCLR + 3% ବା ବର୍ଷକୁ 14% ରୁ ଅଧିକ ନଥିବା ଉଦ୍ୟୋଗ ଋଣରେ (2(i), (iii)); ଜଣକୁ କେବଳ ଥରେ ଦିଆଯାଏ (2(ii))।

“(viii) Lending Institutions can claim interest subvention of 2% per annum on maximum outstanding loan of ₹1.5 lakh per borrower for a maximum tenure of 3 years. In case of loan outstanding amount exceeding ₹1.5 lakh, interest subvention will be limited to the ceiling of ₹1.5 lakh only.”

“The Producer Groups are small-sized, unregistered entities with scope for significant business transactions. At the village level, PGs can aggregate the commodities and collectively sell them in the market, with better price negotiation and higher price realization. There is a provision of Rs. 2 Lakh per PG which includes working capital and infrastructure fund, for sustaining their business.”