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Indian Finance 🇮🇳

Shg Nrlm Loan Benefits — Calculations & Slabs for FY 2026-27

Check which NRLM revolving fund, Community Investment Fund, and bank-linkage loans your Self-Help Group qualifies for based on grading status and repayment history.

Last verified: June 2026 | Source: aajeevika.gov.in

1. Self Help Group Profile

Frequently Asked Questions (FAQ)

What is the Revolving Fund (RF) for Self-Help Groups?

The Revolving Fund is a one-time grant of ₹10,000 to ₹15,000 provided by the government to active SHGs that have been functioning for at least 3-6 months. Its purpose is to build the group's corpus and help members meet urgent, small-scale credit needs before linking with banks.

How is the SHG Bank Linkage loan amount calculated?

Banks sanction credit limits to SHGs based on doses or cycles: 1st Dose is 6 times the group's corpus or a minimum of ₹1.5 Lakh; 2nd Dose is 8 times the corpus or a minimum of ₹3 Lakh; 3rd Dose is a minimum of ₹6 Lakh based on the Micro Credit Plan (MCP); and 4th Dose onwards is above ₹6 Lakh up to ₹20 Lakh.

How does the interest subvention scheme work for women SHGs?

For loans up to ₹3 Lakh, women SHGs in rural areas receive credit at a concessional rate of 7% p.a. If the group repays the loan promptly, they receive an additional 3% subvention, reducing the effective interest rate to 4% p.a.

What is the 'Lakhpati Didi' initiative under DAY-NRLM?

The Lakhpati Didi initiative is a government campaign aiming to enable women SHG members to earn a sustainable income of at least ₹1 Lakh per annum (₹10,000+ per month) through micro-enterprises, farming practices, or local trade. This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

What Does This Calculator Do?

This calculator estimates the credit limits, revolving fund, and community investment fund eligibility for women Self Help Groups (SHGs) under the DAY-NRLM scheme, and calculates the interest subvention savings.

How to Use It

  1. SHG Details: Declare if you are an active SHG member, select the age of your SHG, and choose your state.
  2. Linkage & Loans: Declare if your SHG is credit-linked to a bank and if you have any active loan.
  3. Location & Category: Choose between Rural or Urban and select your social category.

The Logic Explained Simply

  • The Doses: Loan drawing power increases over time: 1st Dose (min ₹1.5 Lakh), 2nd Dose (min ₹3 Lakh), 3rd Dose (min ₹6 Lakh), and 4th Dose onwards (above ₹6 Lakh up to ₹20 Lakh).
  • Subventions: Loans up to ₹3 Lakh are available to women SHGs at a concessional rate of 7% p.a. Prompt repayment can reduce this further to 4% p.a.
  • Revolving Fund: Active SHGs in existence for 3-6 months receive a grant of ₹10,000 to ₹15,000.

Real-World Calculation Breakdown

A women's SHG in a rural village has been active for 14 months (Cycle 2) and has savings of ₹20,000. They apply for a bank linkage loan.

  • Loan Dose Eligibility: Eligible for the 2nd Dose of minimum ₹3,0,000.
  • Revolving Fund: Already received / eligible for a grant of ₹15,000.
  • Interest Benefit: For a ₹3,0,000 loan, they pay 7% p.a. interest. With prompt repayment, it drops to 4% p.a., saving them ₹9,000 annually in interest compared to a standard 7% bank rate.

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