Benefit Amount
Loans up to ₹10 lakh per SHGLoan
✓ Government Verified✓ Direct Bank Transfer
ℹAbout NABARD SHG-Bank Linkage Programme
The NABARD SHG-Bank Linkage Programme is a government initiative that helps self-help groups (SHGs), especially those led by women, access affordable loans from banks for starting or expanding small businesses and income-generating activities in rural areas. Under this scheme, your SHG group can borrow up to ₹10 lakh without needing to provide collateral or security, making it easier for poor and marginalized communities to get formal credit. To apply, collect your SHG registration certificate, open a bank account in your group's name, and submit Aadhaar cards of all members at your nearest bank branch. NABARD also provides training and handholding support to help groups manage loans wisely and repay on time.
Ministry
Ministry of Finance
✓Who Is Eligible?
The NABARD SHG-Bank Linkage Programme is designed to be inclusive and accessible to women's self-help groups across India in rural areas. To be eligible, your SHG must have female members aged between 18 and 60 years. The scheme welcomes women from all categories including General, OBC, SC, and ST communities, ensuring no one is left behind based on caste or social status. There is no income ceiling limit, meaning both poor families and those with moderate incomes can apply. Your group must be properly registered as a self-help group with your local administration or cooperative department. The programme particularly targets marginalized and economically weaker sections of society who struggle to access formal credit from traditional sources. Geographic location is not a restriction as this is an all-India scheme applicable in rural areas across every state. Your group needs to have a functional bank account in the group's name and all members must possess Aadhaar cards for identification and verification purposes. For specific details about your state's implementation or any additional local requirements, please check with your nearest bank branch or visit the official NABARD website at https://www.nabard.org.
Quick eligibility check:
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Category: General, OBC, SC, ST📝How to Apply for NABARD SHG-Bank Linkage Programme
Applying for the NABARD SHG-Bank Linkage Programme is straightforward and can be done at your nearest bank branch. First, ensure your self-help group is properly registered and obtain your SHG registration certificate from your local authority. Second, open a bank account in your group's name at any nationalized or scheduled bank branch. Third, gather Aadhaar cards of all members in your SHG, as these are mandatory for verification purposes. Fourth, visit your nearest bank branch with all required documents including the SHG registration certificate, bank account details, and photocopies of Aadhaar cards of all members. Fifth, submit your loan application to the bank along with your group's business plan or proposal explaining how you will use the borrowed funds. Sixth, participate in any training sessions offered by NABARD to help your group understand loan management and repayment obligations. Finally, wait for the bank to process your application and approve your loan, which can be up to ₹10 lakh without requiring collateral. For detailed assistance and to understand the complete process, visit the official NABARD website at https://www.nabard.org where you can find more information, download forms, and locate your nearest participating bank branch.
Visit Official Portal →📄Documents Required3 required
?Frequently Asked Questions
1What is the maximum loan amount I can get under NABARD SHG-Bank Linkage Programme?
Your self-help group can get a loan of up to ₹10 lakh under this scheme. The exact amount depends on your group's income, savings, and repayment capacity as assessed by the bank.
2Do I need to provide collateral or security to get a loan under this scheme?
No, one of the biggest benefits of the NABARD SHG-Bank Linkage Programme is that you can get a loan without any collateral. Banks can give loans based on your group's savings and creditworthiness alone.
3How do I apply for a loan if my SHG is not yet registered with the bank?
First, ensure your SHG is formally registered (you should have a registration certificate). Then open a bank account in your SHG's name with the group's signature. Visit your nearest bank branch with your registration certificate, bank passbook, and Aadhaar cards of all members to apply for a loan.
4Can men join a self-help group under this scheme?
This scheme is specifically designed for women's self-help groups. Only women can be members of SHGs eligible under the NABARD SHG-Bank Linkage Programme.
5What kind of business activities can I use the loan for?
You can use the loan for any income-generating activity such as starting a small shop, agriculture, animal husbandry, handicrafts, tailoring, dairy farming, or any skill-based business in rural areas.
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Get a detailed step-by-step walkthrough with tips, common mistakes to avoid, and expert guidance for NABARD SHG-Bank Linkage Programme.
Read Full Guide →🔗Related Financial Inclusion Schemes