|Name of the Department/Section||
ANANDADHARA District Rural Development Cell (DRDC)
|Name of the Officer-in- charge||
Sri. Sourav Sengupta WBCS(Exe.) Project Director, DRDC, North 24 Parganas
NORTH 24-PARGANAS Z.P.(ANGANA BUILDING, 2ND FLOOR)
(Under the Administrative Control of Panchayat & Rural Development Deptt.,Government of West Bengal)
K.N.C. Road, Barasat
Kolkata - 700124
P.D., DPD (All) & Marketing Consultant (Debayan Kundu, Phone Number : 033-2584 6283)
Services for Citizens/Public Services/Schemes
Name of Schemes
- National Rural Livelihood Mission (NRLM)
- National Rural Economic Transformation Project (NRETP)
- Eligibility :
i) Minimum and Maximum age group : 18 & above
ii) Minimum qualification : Not Applicable
iii) Annual income ceiling in Rs : Not Applicable
iv) No. of Members : Atleast 10 Female Members can form a Group
v) Category (SC/ST/OBC/Minority) : All Category
- How to apply :
Contact local BDO office (WDO, SHG Supervisor) for details
- Whom to contact for queries/clarification/grievance :
i) Sourav Sengupta (Project Director) Phone Number : 033-2562 5373
ii) Sudipta Roy (Deputy Project Director (Monitoring) Phone Number : 033-2584 6323
iii) Sudipta Roy (Deputy Project Director (W.D.) Phone Number : 033-2584 6324
iv) Nilanjan Nath (Deputy Project Director (Credit) Phone Number : 033-2584 6285
v) Jayanta Mukhopadhyay (Deputy Project Director (Accounts) Phone Number : 033-2584 6284
- Statistical achievement of last 3 Years :
National Rural Livelihood Mission (NRLM) 2020-21 2021-22 2022-23 01F01 Number of SHGs promoted (new and revived)during the financial year (NRLM) 1231 4577 12979 01F02 Number of SHGs Provided Revolving Fund (RF) during the financial year (NRLM) 1816 (SHG)
4265 (SHG) 639.75 lakh 3298 (SHG)
01F03 Number of SHGs provided cumulative Investment Fund (CIF) during the financial year (NRLM) 348.5 lakh 491 lakh 3467.73 lakh National Rural Economic Transformation Project (NRETP) 2020-21 2021-22 2022-23 01F01 Number of SHGs promoted (new and revived) during the financial year (NRETP) 163 654 2196 01F02 Number of SHGs Provided Revolving Fund (RF) during the financial year (NRETP) 408 (RF) 333.60 lakh 1186 (RF) 177.90 lakh 747 (RF) 606.75 lakh 01F03 Number of SHGs provided cumulative Investment Fund (CIF) during the financial year (NRETP) 403.6 lakh/td> 69 lakh 1663.45 lakh
- Referral website link of Department :
GramerSwapno - Mega Camp for SHG formation
Details of Initiative in brief :
The initiative ‘Gramer Swapno’- mega Camp was implemented to maximize the inclusion of the left out House hold of rural part of the District to form Self Help Groups under ANANDADHARA and also to ensure the submission of the application to respective Banks to facilitate the savings account opening of the newly formed SHGs in the interest of Socio Economic Development of rural women of North 24 Parganas. Wide publicity was given through continuous miking and distribution of leaflets, village level meetings before the camp schedule to inform the rural households about the camps and also to identify and mobilize the left out House Holds The camps are being organised at phases at Block and GP level. The scheduled activities of the camp includes formation of new SHGs with left out House Holds, awareness generation among the community members regarding benefits of SHG formation through distribution of leaflets, banners, public address system, setting up stalls to showcase and selling of the SHG products, submission of application at the separate stall of respective Bank Branches, cultural programme by the Lokparashar Shilpis etc. The best performing community cadres like Community Service Providers , Sangha Coordinators, Board of Director of Sangha and best performing Banks were felicitated at the Block Level camps.
Unique features of the initiative :
Grame Swapno Initiative offers a single window system for formation of SHGs and submission of application for SB A/C opening with all related documents to the representative of Banks on spot. It also makes community members aware about the benefits of SHG formation, promotion of SHG products and how the income generation activities are being promoted under Anandadhara programme. Recognition and felicitation of the best performing bank branches, community cadres etc create motivation among the field workers and this results an improvement in the overall workflow.
How the idea was conceptualized :
The North 24 Parganas District was instructed to form 28,650 SHGs in the Financial Year 2022-23. The initiatives of group formation was taken by the District, Subdivision and Block administration through involving the field level functionaries and elected PRI representatives under the continuous monitoring and guidance of the District Magistrate, North 24 Parganas. Most of the line departments were also involved through sharing of data of different Govt. Benefits made from their end in last three years to identify whether the women beneficiaries or women member of male beneficiaries were/are included in the SHG folder or not. However SHG formation was not sufficient within a stipulated period of time. Thereafter the District Magistrate, North 24 Parganas decided to mobilise the left out House hold through wide publicity and scale up the number of SHG formation in mega camp in a festive mode to ensure more footfall in the camp and to cover more left out households into SHGs and also to ensure simultaneous bank submission to open saving bank account of SHGs as the performance is being reviewed by the State only on Portal Entry in the current financial year.
The steps involved in the execution of the initiative. :
1) Arrangement of Mega Camps to form SHGs.
2) Arrangement of camps in proper location, covering few Gram Panchayets. Table, Chair, Address System, Banner etc were arranged.
3) Local MLA, Savapati of Panchayet Samity, concerned Pradhans, all line Deptts of Block, all Bank Branches were invited in these camps in advance.
4) DICO arranged cultural programme in some Camps through Lokshilpis.
5) Group Formation, Account Opening, Deposit of Papers from Sangha to Bank to open SB Account were arranged at these camps.
6) Felicitation of Bank Branches, Sangha BOD Members, CSPs, Sangha coordinators, DLTs, BLTs were arranged at these camps on the basis of their performance.
7) Wide publicity of the camps was made through Block administration, Sanghas & others for success of such camps mainly through miking in the areas where SHG coverage are comparatively low.
8) Monitoring and participation of the District & Sub Division Level Officers was ensured. The District Magistrate, AMDs, PD, Dy. PDs, SDOs, BDOs, monitored the camps.
Impact of the initiative :
On an average around 120-130 SHGs were formed in a day in a single camp, which further resulted 6226 SHG formation and opening of 5026 Bank account and reflection of 5026 no of SHGs in nrlm.go.in portal under the Gramer Swapno Camp.
Present status of the initiative :
The camps are being organised at GP and Block levels, publicity is being continued and close monitoring is being done regarding the footfalls in the camps and formation reported per camp and submission of application for opening SB Accounts at Banks. 6226 SHGs formed in these camps in 2022-23.
Major challenges faced during the project execution :
North 24 Parganas is a District with vast geographical diversities. Some regions of the District especially under Barrackpore and Barasat sub-division are highly urbanised and thus a lot of women have alternate livelihood opportunities catering to the urban populace. This sometimes acts as a deterrence in encouraging the women to come under the fold of Anandadhara. Quite a few families in the Sunderban Blocks especially Sandeshkhali –I and II migrate to other areas in search of livelihood. It is only during the festive season when they can be approached.
Strategies to overcome the challenges :
The District, Sub Division and Block level authorities conducted separate meetings with the family members of the left out households and also made them aware about the benefits of SHG formation during the door to door visit.
Regular and intense monitoring at all levels and frequent reviews with the Banking authorities at District and Block levels, have also yielded its benefits in improving the pace of Group formation and reflection in the portal.
Further after attending the camps and envisaging the benefits of SHG formation directly from the Senior officials from District and Sub Division level, they were convinced of the available livelihood opportunities on offer, under this scheme.
Sustainability &Replicability of the programme?
The SOP for GramerSwapno initiative, entails a basic logistic requirement for the camps so planned.
The main stress is laid upon mass awareness, especially for the leftout households to visit the camps which is achieved through door to door campaign by the field level functionaries.
Considering the role played by the Community cadre like CSPs, BLTs, etc.the initiative is certainly replicable and sustainable.
The Major stakeholders are Rural House Holds as per SECC database, Sangha Samabaymembers , community cadres, Banks .
The details of executing agencies involved:
i. District Mission Management Unit –District Magistrate, North 24 Parganas, Project Director, DRDC , Dy Project Directors , DRDC and other staff.
ii. Block Mission Management unit and office of the Block Development Officer – Block Development Officer, Panchayet Functionaries, Block Nodal Officer, District Level Trainers , Block Level Trainers, Community Auditors.
iii. Bank Branches – Bank Manager and their functionaries.
iv. Sangha Samabay – BOD members , CSP( Community Service Providers), SC (Sangha Coordinator), Pranimitraa
Success Story / Case Study / any unique initiative
- The Jagoroni Activity Cluster: Jagoroni activity cluster is a group of seven SHGs trained in hospitality management and running a restaurant under NKDA. They are also supplying food since March 2020 at NBCC, Quarentine Centre of 100 nos. of Persons per day on average.
- The Uttirna Activity Cluster: It is a registered activity Cluster of Jute and diversified products. It has 35 nos of SHG and presently bulk supplier of stationery items in various Govt .programms.
- Fish Poly Tank: 21 nos of Fish Poly tank has been constructed in 21 nos of Block of this district by our SHG Meen Mitras. The Construction along with Cultivation of fish both was done our SHG members in collaboration with CADC Deganga & CADC Gaighata.
- SHG Sangha acting as PIA:-Plantation at Swarupnagar Block executed by Parijat Mahila Sangha [ Estimated Cost: Rs34,096.00, PD generation-52 days]
- Marketing Outlet at Srtishree, Dhakuria:-Two nos of Stall (103 &201) are being runned by our SHG Sangha Samabay at the State Marketing Hub at Srtishree,Dhakuria (opposite Madhusudhan Mancha)showcasing our different handicrafts products made by SHGs of this district
Any other information worth mentioning for general public awareness
Requirements of Group Formation
- Atleast 10 female members of different household residing in geographical proximity may form an SHG .
- They should assemble together and resolve to adopt the principles of Panchasutra (Regular Meeting, Regular Savings, Regular interlending, Regular Repayment & Regular Updation of Book of Accounts.) and maintain a dedicated bank account for their SHG activity. They would also select a Sabhanetri (SHG Leader) and a Sampadika(Secretary) in this 1st meeting, in presence of the Community Service Provider (CSP).
- The Newly formed SHG will fill up the SHG‘s account opening form and with a copy of their 1st resolution and other KYC documents will approach their local bank for opening of their account within one week from the date of first meeting.
- After opening of account, the SHG’s profile will be submitted to Sangha Samabay (Cluster Level Federation at G.P level or CLF) for submission to Block Mission Management Unit (BMMU) for inclusion of the SHG in NRLM portal and generation of SHG ID.
- After their account is opened, they will contribute to form their group corpus fund as decided in the 1st meeting and subsequently proceed to become a member of the Sangha Samabay (CLF) by purchasing a share of Rs.100.
- They will be imparted a Basic Orientation Training and Book Keeping Training, at this stage.
- MIP training, after 1st grading
- Livlihood and skill development training from Time to Time based on their requirement.
- Special Trainings, like Covid, etc. as stipulated.
Financial Benefits and Credit Linkage
- After Generation of ID and on passing of 3 months SHG self assessment will be done by CSP and on satisfactory performance, the SHG will be recommended for Revolving Fund of Rs.15000 to the BMMU.
- After six months SHG will participate in their 1st Grading to be done by BMMU,CLF and Bank Manager (where their Account is maintained) . On getting 80% marks, they can open their Cash Credit account.(C.C Account) of a limit of Rs.1.5 lakhs.
- Upon opening of CC Account, SHG may take loan from bank as financial assistance to their livelihood activities.
- SHG will also be imparted with Micro Investment Plan training (MIP) after which SHG can avail loan from Sangha Samabay’s Community Invetsment fund (CIF) @ 50,000.
- On completion of one year, SHG will undergo 2nd Grading, which is to be done by BMMU,CLF & Bank Manager and on getting 80% marks, they may enhance their C.C limit to 2.5 Lakhs. The SHG will undergo grading after each six months in order to enhance their C.C limit and shall also submit Micro Credit Plan (MCP) each time they apply for Loan. The maximum C.C limit is Rs.6 lakhs.
- Vulnerability Reduction Fund(VRF) may also be availed by the SHG for betterment of livelihood.