Micro Credit and Self Help Group (SHGs)  

      Concept of SHGs

  • SHG is a small group of rural poor, who have voluntarily come forward to form a group for improvement of the social and economic status of the members.

  • It can be formal (registered) or informal.

  • The concept underlines the principle of Thrift, Credit and Self Help.

  • Members of SHG agree to save regularly and contribute to a common fund.

  • The members agree to use this common fund and such other funds (like grants and loans from banks), which they may receive as a group, to give small loans to needy members as per the decision of the group.


 General Information on SHGs   SGHs under PMRY
 Linking of SHGS to Banks   SBI Life ‘Shakti’
 Reserve Bank of India Circular on Micro Credit   Rural Housing Loans to Self Help Groups

 Miscellaneous Informations

Please click here to download Loan assistance application form

Source: State Bank of India, Agri-Business Unit, Local Head Office, Guwahati

    For details: Khadi Village Industrial Council

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