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Self-Help Group–Bank Linkage Programme in India: Trends, Regional Variations and Institutional Performance

Year: 2025

Type: article

Abstract: Among various initiatives, the Self-Help Group–Bank Linkage Programme (SHG-BLP), launched by NABARD in 1992, is the world’s largest microfinance movement aimed at promoting financial inclusion. It has proved to be one of the key programmes aimed towards socio-economic upliftment of rural as well as urban poor. So, this study tried to analyse the performance of SHG-BLP and also regional disparities in SHG-BLP implementation across Indian states using secondary data and different analytical tools. The results indicate substantial growth in key financial indicators—savings, loan disbursement, outstanding credit, and non-performing assets—over time, with Regional Rural Banks (RRBs) outperforming other financial institutions. The Eastern region emerged as the fastest-growing area in terms of SHG activity. The regional as well as institutional disparity in SHG-BLP performance need to be addressed through a more focused and inclusive approach.

Source: Asian Journal of Current Research

DOI: 10.56557/ajocr/2025/v10i49735

Authors: Nandini Saha, Mani Bhushan, Omprakash Naik N, Pramod Kumar

Institutions: Veer Kunwar Singh University, Government of Karnataka, Indian Council of Agricultural Research, Indian Agricultural Research Institute

Language: English

Topic: Microfinance and Financial Inclusion

Subfield: Economics and Econometrics

Field: Economics, Econometrics and Finance

Domain: Social Sciences

SDGs: Reduced inequalities, Decent work and economic growth, No poverty

Open Access status: diamond

OpenAlex ID: W4414366483

FWCI: 0.947

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Cited by: 1

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