The Bank linkage program has made inclusive growth possible by providing easy access to bank loans without any physical collateral. The efficiency and effectiveness of the NHGs are verified on the basis of some objectively verifiable and easily identifiable parameters. NABARD has developed a 15-point index for rating NHGs on the basis of which they will be allowed to link with various banks under the Linkage Banking Scheme. The total amount which has been mobilized under linkage banking is Rs. 531963 Lakhs (current live linkage) and 1,72,824 NHGs have availed of the loans. The linkage loans may be raised directly by the NHG or as bulk loan through the CDS.
Bank Linkage Status