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Bank Linkage


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

 

Financial Year Linked NHGs Linkage Amount in Lakh
1998-1999 10 6
1999-2000 86 100
2000-2001 106 97
2001-2002 169 121
2002-2003 471 302
2003-2004 1098 643
2004-2005 2572 1440
2005-2006 3829 2633
2006-2007 5586 4517
2007-2008 8308 8998
2008-2009 13151 18763
2009-2010 25858 36421
2010-2011 23758 38396
2011-2012 22004 41381
2012-2013 26694 55010
2013-2014 47284 92821
2014-2015 54468 133514
2015-2016 33752 96800

 

 

 

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