SHG Concept

1. Uttar Pradesh State Rural
Livelihoods Mission - PRERNA

2. NRLM – Objective and Goal
Objective
“To reduce poverty by enabling the poor household to access the gainful self-
employment and skilled wage employment opportunities, resulting in
appreciable improvement in their livelihoods on a sustainable basis, through
building strong grassroots institutions of the poor”.
Goal
Poverty elimination through organizing rural poor, institution building,
financial inclusion and a portfolio of sustainable livelihoods.

3. NRLM – Guiding Principle
 Poor have a strong desire to come out of poverty and have innate
capabilities
 Social mobilization and building strong institutions of the poor critical
for unleashing their capabilities
 Dedicated and sensitive support structure required to induce social
mobilization

4. Financial & Capital Services
Human and
Social Capital
(Leaders, CRPs,
Community Para-
Professionals)
Dedicated Support
Institutions
(Professionals,
Learning Platform
M & E Systems)
Institutional Platforms of
Poor
(Aggregating and Federating Poor, Women,
Small & Marginal Farmers, SCs and STs)
INNOVATIONS
Livelihood Services
Building Enabling Environment
Partnerships and Convergence

6. Why women centric approach
• Most vulnerable member of the family .
• Poorest among the poor .
• Has been a victim of Domestic violence and other forms of crime.
• Suffers from social taboos and societal norms
• Contributes significantly in overall development of the family .
• No or very few platform for raising concern and grievance redressal.
• Has an habit of thrift .

7. UPSRLM at a Glance
• UPSRLM got registered under society registration act 1860 in the year 2011 to
implement the NRLM in state under the aegis of Dept. of RD, Govt. of UP.
• To govern the Mission in state General Body under the chairmanship of Chief
Secretary, Govt. of UP and Governing Body under the chairmanship of APC
formed.
• To implement the mission, a dedicated three tier structure State Mission
Management Unit, District Mission Management Unit and Block Mission
Management Unit established.
• SMMU is lead by Chief Executive Officer and Mission Director with the support
of JMD and dedicated professional team. DMMU and BMMU is leading by
Deputy Commissioner – Self Employment with the support of District and Block
Level Professional team
• UPSRLM commenced its operation in state from April 2014.

8. State ata Glance
S. No. Particular Number
1 Districts 75 (39 Intensive District)
2 Blocks 822 (250 Intensive Block)
3 Gram Panchayats 59,163
4 Villages 1,07,452
5 Rural Population 16,27,78,568
6 HHs automatically included (SECC data) 68,190
7 HHs with at least one deprivation criteria 103,80,936
8 Total Targeted HHs (6+7) 104,49,126
9 HHs mobilized into SHGs 26,47,505

9. General Body
Governing Body
State Mission Management
Unit
District Mission Management
Unit
Block Mission Management
Unit
Chairperson - Chief Secretary
Chairperson – Agriculture
Production Commissioner
CEO, MD, JMD, SPMs, PMs,
YPs
DC-SE/PD, DMM
Block Manager
UPSRLM Organisational Structure

10. Mission Implementation strategy
For implementation of NRLM two approaches are being followed –
1.Intensive Strategy – DMMU and BMMU professional Team placed and office
establishment taken the place.
Resource Block Strategy :- supported by NROs
Partnership Block strategy :- Supported by Partner under homegrown model
Pure Intensive Block Strategy :- purely implemented by Mission through support of
I-CRP.
Under Intensive Block strategy one Blocks divided in three/four Clusters.
2. Non – Intensive Strategy – Implementation through existing DRDA/Blocks.

11. Mission Component
– Universal Social mobilization; saturation approach
– Promotion of poor’s Institutions
– Training and Capacity Building
– Universal Financial Inclusion
– Option to poor for pursuing viable livelihoods
– Convergence and partnership
– Monitoring

12. What is Universal Social Mobilization ?
• It refers to organizing at least one women from each rural
poor household into Self-Help group and higher level
federations formed under NRLM in a time bound manner.

13. NRLM : Promotion of Poors Institutional (Architecture)
-
2
Cluster Based
Livelihoods
Federation
BLF
Village
Organization
Members
Producer
Group
Cluster Level
Federation
15 to 40 VO
SHG
05 to 20 SHG
10 – 20 poor Women

15. Basic Principles :Panchasutra
• Regular weekly meeting
• Regular weekly saving
• Regular Internal Lending
• Timely repayment
• Proper book keeping

17. Key Sub-committees at VO level
• Social Action sub-committee
• Procurement Sub-committee
• Loan repayment /Financial Inclusion sub-committee
• Livelihoods sub-committee

18. Key Strategies for Social Mobilization

19. NRO withdrawal Strategy
Particulars FY 17-18 FY 18-19 FY 19-20 FY 20-21 FY 21-22
No. of Intensive
Blocks supported by
NRO
70 78 54 0 0
No. of partnership
Blocks supported by
NRO 46 31 0
• Mission plans to fully withdraw NRO support by FY 2020

20. Community Cadre for Social Mobilization
Community
Cadre
External CRP
(2680)
Senior
External
CRP(1206)
Senior Internal
CRP (604)
Internal CRP
(5400)
Internal PRP
(303)

21. Approved policies of community cadre for
Social Mobilisation
• Samuh Sakhi Policy
• Internal Community Resource Person Policy
• Sr.Internal Community Resource Person Policy
• Internal Professional Resource Person Policy

22. Internal Community Resource Person Strategy
• Mission has developed its own i-CRP Policy which is being implemented in full swing .
• Key Features of I-CRP Policy:-
• Active women from Resource Block and Partnership block are being identified as I-CRPs
• Thorough selection process is being followed (written exam, interview)
• Selected I-CRPs are being rigorously trained on 9 day training module .
• Prior to every I-CRP drive two day refresher training is being given to all the participants .
• All I-CRPs are being insured under before deployment .
• 50% advance has been provisioned in the policy .
• Remuneration is as per the Model Community Operational Manual .
• Key Achievements
• 180 Intensive blocks covered through ICRP strategy.
• 600 teams have been deployed and have formed more than 24000 SHGs.
• I-CRP rounds have been initiated in Non-Intensive blocks of Intensive Districts .
• More than 10 Cr has been transferred as I-CRP remuneration.

23. Micro Finance and Financial Inclusion
Enabling women's institutions to access full range of Financial services – Savings, Credit,
Insurance and enabling them to build their own Financial Institutions.
Key Components of MF and FI –
•SHG Saving account opening : within 1-2 months of SHG Formation
•Micro Credit Plan
•Revolving Fund and CIF
•Insurance
•Financial Literacy and Digital literacy
•Community Based Recovery Mechanism
•Alternative Banking Channels

24. Internal Professional Resource Person Policy
• Mission has developed its own Internal Professional resource person policy for
handholding SHGs and its higher level fedearation at Cluster and reduce the dependancy
on NRO .
• Key features of I-PRP policy :-
• Active women associated with SHG/VO/CLF book keeping are being identified as I-PRP
• Thorough selection process has been designed which is being anchored by CLF.
• I-PRP will be a full time cadre and will be placed at a cluster level.
• Remuneration has been linked to performance ;performance based incentive has been introduced .
• Life, accidental and health coverage have been provisioned under the policy .
• Key Achievements
• Selection process has been initiated in 39 blocks of UPSRLM.
• As on date 303 I-PRPs have been selected by Cluster level Federations.
• Training and deployment has been planned and will be completed by 30th Nov’18.

25. Saturation Strategy
SECC
( All deprived
and
vulnerable
HHs)
PIP
(As per the
Saturation
protocol)
Saturation
• Mission has developed and implemented saturation protocol at VO level.
• The protocol is being followed during the CRP drive and during the PIP
process conducted by VO-SAC.
• Training of State , District and Blocks level has been completed.
• VO-SAC members have been trained on saturation and more than 1500
VOs have conducted PIP .
• Identification of left-out HHs through various PIP tools and SECC data.
• Mobilization of left-out poor HHs into SHG fold through VO-Social Action
Committee .
• Conducting special drives for Saturation.

26. Saturation in existing Blocks/Clusters/GPs/Villages
• SATURATION defined with start of CRP drive
• Mobilize all poor (at least 80%, of all the mobilizable poor, including PwDs, Elderly, PVTGs, women-
headed households and single women) into SHG architecture (SHGs, VOs and CLFs) in 18 months;
initiate core NRLM activities including gender, FNHW and Rights, Entitlements and Schemes
Sensitization and Action; facilitate funds to community and financial inclusion, interventions in existing
and related livelihoods; and facilitate initial convergence
• Pre-requisites for Saturation
• CRP drive has started in Village,
• 40-60% target poor HH mobilised in new or revived SHGs.
• VO is formed with functional Samuh Sakhi and other Community Cadre.

27. Saturation Process .. (within 3 months of forming VO)
• Preparation of Left out Target Poor HH List in the village with help of :-
• Target Poor HH List prepared during CRP round
• Target Poor HH List by SECC data (auto-included Households and at least 1-deprivation Households)
• Target Poor HH List prepared by VO through PIP-PPA
• Present the data in the Aam Sabha / Gram Sabha. Inform Aam Sabha if any member
household is not part of SECC list or has additional vulnerabilities. Take on board/include
changes if any suggested by Aam Sabha / Gram Sabha
• With the approved Left out Target Poor HH List develop an action plan with VO to
mobilize the left out households as quickly as possible (not more than 6 months) with
help of SHGs, Samuh Sakhi, Community Cadre etc.

28. Percentage of SATURATION in 78 Blocks
S. No District Name Block Name
Age (in
years)
Total HHs
(Census
2011)
Target
(80% of
60% HH)
Tentative
SHG (@11
member
/SHG)
Total
SHGs
% of SHG
formed
1 BASTI DUBAULIA 2.8 15945 7654 696 767 110
2 BUDAUN USAWAN 2.8 23134 11104 1009 1060 105
3 AGRA SHAMSABAD 4.3 30470 14626 1330 1382 104
4 AZAMGARH THEKMA 4.3 29041 13940 1267 1208 95
5 BUDAUN SALARPUR 4.3 27767 13328 1212 1145 94
6 BASTI KUDARAHA 2.8 22254 10682 971 895 92
7 SONBHADRA DUDHI 2.8 28286 13577 1234 1106 90
8 SULTANPUR DHANPATGANJ 2.8 27774 13332 1212 1068 88
9 CHANDAULI DHANAPUR 4.4 32514 15607 1419 1230 87
10 JALAUN KONCH 2.8 22969 11025 1002 838 84
11 AURAIYA ACHCHALDA 4.3 29916 14360 1305 1090 83
12 BASTI BANKATI 4.3 28596 13726 1248 1039 83
13 SULTANPUR BALDIRAI 2.8 31431 15087 1372 1123 82
14 MIRZAPUR MARIHAN 2.1 22671 10882 989 798 81
15 SHAMLI THANABHAWAN 4.3 33953 16297 1482 1173 79
16 GORAKHPUR PALI 2.8 22470 10786 981 761 78
17 SULTANPUR DOSTPUR 2.8 20016 9608 873 669 77
18 BAGHPAT BINOLI 4.3 32030 15374 1398 1069 76
19 KANNAUJ KANNAUJ 2.1 35421 17002 1546 1180 76
20 PRAYAGRAJ KORAON 4.3 51825 24876 2261 1702 75

29. Percentage of SATURATION in 78 Blocks
S. No District Name Block Name
Age (in
years)
Total HHs
(Census
2011)
Target (80%
of 60% HH)
Tentative
SHG (@11
member
/SHG)
Total SHGs
% of SHG
formed
21 MIRZAPUR CHHANVEY 4.3 38956 18699 1700 1267 75
22 GORAKHPUR PIPRAICH 2.8 30220 14506 1319 956 72
23 SONBHADRA CHOPAN 4.3 49280 23654 2150 1551 72
24 MAINPURI MAINPURI 2.8 36304 17426 1584 1140 72
25 ALIGARH TAPPAL 4.3 32370 15538 1413 1012 72
26 SULTANPUR LAMBHUA 2.8 29035 13937 1267 903 71
27 CHANDAULI CHAHNIYA 2.8 29806 14307 1301 915 70
28 SULTANPUR P.P.KAMAICHA 2.8 20062 9630 875 610 70
29 PRAYAGRAJ BAHRIA 2.8 42789 20539 1867 1287 69
30 GORAKHPUR SARDARNAGAR 2.8 28954 13898 1263 861 68
31 AMBEDKAR NAGAR AKBARPUR 4.3 46477 22309 2028 1380 68
32 ETAWAH MAHEWA 4.3 40059 19228 1748 1188 68
33 JALAUN KADAURA 4.3 30731 14751 1341 903 67
34 BUDAUN ASAFPUR 2.8 28395 13630 1239 833 67
35 MIRZAPUR NAGAR-CITY 2.8 37135 17825 1620 1078 67
36 KHERI NIGHASAN 4.3 56725 27228 2475 1629 66
37 SULTANPUR BHADAIYA 2.8 25354 12170 1106 721 65
38 AGRA BARAULI AHIR 2.8 37120 17818 1620 1054 65
39 DEORIA BHATPAR RANI 2.8 25235 12113 1101 714 65
40 CHANDAULI CHAKIYA 2.8 29431 14127 1284 829 65

30. Percentage of SATURATION in 78 Blocks
S. No District Name Block Name
Age (in
years)
Total HHs
(Census
2011)
Target (80%
of 60% HH)
Tentative
SHG (@11
member
/SHG)
Total SHGs
% of SHG
formed
61 BAHRAICH MIHINPURWA 4.3 65282 31335 2849 1409 49
62 UNNAO SUMERPUR 2.8 28469 13665 1242 606 49
63 FATEHPUR AIRAYA 2.8 30633 14704 1337 646 48
64 PRAYAGRAJ PHULPUR 2.8 34829 16718 1520 725 48
65 LUCKNOW SAROJNINAGAR 2.8 40923 19643 1786 838 47
66 FATEHPUR TELYANI 2.8 26511 12725 1157 539 47
67 BAHRAICH PHAKHARPUR 2.8 43218 20745 1886 818 43
68 HARDOI AHRORI 4.4 42901 20592 1872 809 43
69 GORAKHPUR CAMPIERGANJ 2.8 44188 21210 1928 822 43
70 UNNAO SAFIPUR 2.8 28004 13442 1222 508 42
71 UNNAO BIGHAPUR 2.8 27180 13046 1186 399 34
72 FATEHPUR MALWAN 2.8 38812 18630 1694 542 32
73 UNNAO HILAULI 2.8 32880 15782 1435 458 32
74 UNNAO PURWA 2.8 25020 12010 1092 322 29
75 UNNAO SIKANDARPUR KARAN 2.8 38088 18282 1662 462 28
76 UNNAO MIYAGANJ 2.8 30997 14879 1353 372 28
77 UNNAO SIKANDARPUR SAROSI 2.8 36202 17377 1580 433 27
78 UNNAO HASANGANJ 2.8 32867 15776 1434 386 27

31. Action Plan for Saturation of 78 Blocks
1. 60 % and more than 60 % - 46 Blocks
 These blocks will be saturated by VO social action committee and Samuh Sakhi as per
village saturation policy.
2. 59 % and upto 50% - 14 Blocks
 These blocks will be saturated by VO social action committee and Samuh Sakhi as per
village saturation policy.
 Additional SHG CRP drive will be mobilised.
3. Less than 50% - 18 Blocks
 Extensive SHG CRP drive will be mobilised.

32. Savings
Internal
Lending
SB A/C
opening
RF
MIP
prepared
CIF
Bank Credit
– 1st Linkage
Bank Credit
– 2nd
Linkage
3-4
Months
30-50
Months
2 Months
6 -12
Months
From 1st
Meeting
SHG Capitalization
24 -30
Months
6-8 Months
6-8 Months Bank
Credit –
4th
Linkage
RF: Revolving Fund (RF) – Rs 15000 per SHG
MCP/MIP: Micro Credit Plan/ Micro Investment Plan.
CIF: Community Investment Fund (CIF) – Rs 1.1 Lakhs per SHG
Step by step process 50-60
Months
Bank Credit –
3rd Linkage
1.05
Lakhs
SHGs
88 K
SHGs
68 K
SHGs
45 K
SHGs
43K
SHGs
36K
SHGs

33. S.N. Particulars Eligibility Amount (Rs) Level of Fund
Funds from Mission
1 Revolving Fund
to SHG
• 3-4 months old SHGs
• Adhering Panchsutra
15000 SHG
2 Community
Investment Fund
• 6-8 months old SHGs
• Developed Micro Credit Plan
• Adhering Panchsutra
110000 Cluster Level
Federation
3 Vulnerability
Reduction Fund
• Given to 6 months old Village
Organisation
• Developed VR Plan
100000 - 200000 Village Organisation
Funds from Other Financial Institution
4 SHG Bank Credit
Linkage
• 6 – 8 months old SHGs
• Adhering Panchsutra
• Given in Multiple doses
50000 - 500000 SHG
Funds to the Community

34. Social Development and Convergence
Gender:
• Addressing Violence against women
• Prevention of Child marriage
• Participation in Grama Sabhas
FNHW:
• Accessing five entitlements
• Behaviour change around 1000 days & WASH
• Promotion of diversified diets
Education:
• Enrolment & Prevention of school dropouts
Social Security & Insurance:
• PMJJBY , PMSBY, PMJAY
MGNREGS:
• Job card & Job
• Ensuring IBS

35. Livelihoods intervention Framework
Level
III
Level II
Sectoral
interventions
Level I
Knowledge creation and
awareness on livelihoods
Aggregation and value chain interventions
• Extension of MKSP for value chain interventions
• Use of 5-10 commodities to identify large scale commodity value
chain interventions
• Creating extension services through CRPs
• Sharing forums among states / best practices
• Productivity enhancement
• Orientation of SRLM staff, VO leaders and
community on Livelihoods
• Awareness creation on livelihoods in all the villages
where SHG formation has taken place
• VO sub committee on livelihoods
• Convergence for livelihoods
SHG
Members
Increasing
• complexity of
activities,
• engagement of
stakeholders
• Maturity of
CBOs

36. Different Livelihood Interventions
• Mahila Kisan Sashaktikaran Pariyojna
• Startup Village Entrepreneurship Program
• 70 Lakh Solar Energy Program
• Aajeevika Gramin Express Yojna

37. THANK YOU!