KUDUMBASHREE

KERALA STATE RURAL LIVELIHOOD MISSION

DAY NRLM

Annual Action Plan

2018-19

1

Annual Action Plan 2018-19

Chapter Content Page

1. Introduction 2

2. NRLM footprint 4

Review of Progress of AAP 2017-18 & Action Plan for

2018-19

3. SM,IB and CB 6

4. Financial Inclusion 10

5 Livelihoods 13

6 SI, SI Special Project, Gender&Innovation 18

7 Systems (HR, MIS, M&E) 25

8 Financial Progress 27

9 Infrastructure and marketing development activities –

SARAS and market fairs 29

10. Summary of Costs and Sources of Finance 31

11. List of Tables (1 to 8) 35

2

CHAPTER 1

INTRODUCTION

Kudumbashree is formally registered as the "State Poverty Eradication Mission"

(SPEM), a society registered under the Travancore Kochi Literary, Scientific and

Charitable Societies Act 1955. It has a governing body chaired by the state minister

of LSG. The State Mission at the state level and the District Missions at the district

level supportand facilitates the activities of the community network across the state.

Kudumbashreeis the Social, Economic and Women Empowerment Programme

of the Government of Kerala implemented through Community Development Societies

(CDSs) of Poor Women (Cluster Level Federation), serving as the community wing of

Local Self Governments. The women are organized under the 3 tier Community Based

Network (CBO). The 3 tier framework of Kudumbashree CBO include 1) Neighborhood

Groups (NHG), 2) Area Development Societies (ADS) and 3) Community Development

3

Societies (CDS).The lowest tier constitutes the Neighborhood Group consisting of 10-

20 women members from economically backward families. The second tier is the Area

Development Society, which is formed at ward level by federating all the NHGs in the

ward. The third tier is Community Development Society (CDS) at the

Panchayat/Municipal level which is a federation of various ADSs and a registered

body under the Travancore-Cochin Literacy Scientific and Charitable Societies Act.

The CDS is the representative structure of the vast network of NHGs in the

GramaPanchayat /Municipal areas. It works in close liaison with the LSGs and

serves as both dissemination organ for government programmes and as enunciator of

community needs in governance issues.

Kudumbashreehas been designated as ‘Kerala State Rural Livelihood Mission’

(KSRLM) in 2012-13 under National Rural Livelihood Mission (NRLM) implemented

by Ministry of Rural Development (MoRD), Government of India. Kudumbashree

started implementing NRLM programme in the State in the year 2013–14 with an aim

to augment Kudumbashree’s prevailing initiatives in institution building and capacity

building. The objective of Kudumbashree under NRLM is to build strong institutions

of the poor resulting in generation of social capital, social & financial inclusion and

enhancement in livelihoods of the poor.

Under the Annual Action Plans (AAPs) of 2013-14, 2014-15, 2015-16 and

2016-17, Kudumbashree has undertaken various initiatives towards social

mobilization, institution building &capacity building, social inclusion &social

development and livelihood enhancement.

Under NRLM AAP of 2017-18, Kudumbashreemainly focused on Capacity

Building of Community Based Organisation through a massive training campaign –

‘Kudumbashree School’, social inclusion of vulnerable sections like Tribes and

Coastal population, financial inclusion and in extending Community Investment

Fund (CIF) as Seed Capital to CDSs to meet the working capital needs of the

entrepreneurs who are members of NHGs. Further, adoption, piloting, scaling-up of

transaction-based MIS (TBSDAS), use of MIS data in monitoring and training of staff

and community resource persons in MIS reporting was a major focus in the year

2017-18.

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CHAPTER 2

NRLM FOOT PRINT

a. NRLM footprint achieved

NRLM Foot print achieved Cumulative

numbers

Number of Districts / Blocks 14 / 152

Number of Neighborhood Groups (SHGs)/members 2,21,494 /

32,45,546

Number of Area Development Societies (Village

Organisations)

15,995

Number of Community Development Societies (Cluster level

Federations)

978

Number of JLGs groups / members 49,853 /

3,49,875

Number of Micro Enterprises (MEs received

Kudumbashreecapital or interest subsidy)

15,264

Number of Livelihood Collectives/Consortiums/ Producer

Companies

12/3/3

b. Districts, blocks and villages planned and implemented during FY 2017-18

(up to January,2018)

14 Districts, 152 Blocks and 978 Gram Panchayaths

c. Districts, blocks and villages proposed to be covered during FY 2018-19

14 Districts, 152 Blocks and 978 Gram Panchayaths (cumulative)

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d. Saturation plan for the blocks covered up to January,2018

Kudumbashreehas universal coverage (all 152 Blocks) and 3 tier CBO is

formed in all Panchayaths/Municipalities/Corporations. Kudumbashree now focuses

on saturation in coastal and tribal areas as well as inclusion of Elderly, PwDs,

Transgenders and Migrant labourers in to Neighbourhood Groups. ‘Disha’, a

Campaign towards social mobilization and inclusion of marginalized and

disadvantaged groups was launched in January 2017 and as a result, 9068 new

NHGs have been formed amongst elderly, migrant workers, transgenders, persons

with disabilities, members of scheduled castes and scheduled tribes as well as among

population living in coastal hamlets. These initiatives will countinue till all the poor

households are mobilized into institutions of poor.

e. Plan for coverage of blocks in the 115 backward districts as well as SAGY and

Mission Antyodaya GPs

All the Blocks (152) in the State and GPs selected under SAGY (28) and

Antyodaya (195) are already covered under Kudumbashree/ NRLM programme. As

per the Mission Anthyodaya survey, certain critical gaps have been identified in the

Panchayathsand it is proposed to address these gaps as part of State Rural

Development Plan 2018-19, under various schemes such as NRLM, GPDP,

MGNREGS, RURBAN Clusters programs, PMAY – G and SAGY. The major thrust

under NRLM or other CSSs and under State Plan Fund will be to address issues

related to agriculture, self - employment, transportation facilities, housing, waste

disposal systems and bank linkages. Gaps in the fields of agriculture, self-

employment and bank linkages will be specially addressed in NRLM.

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CHAPTER 3

SOCIAL MOBILISATION, INSTITUTION BUILDING & CAPACITY BUILDING

(1) Progress during 2017-18

Universal Social mobilization has been an important strategy of Kudumbashree

since its inception. With a view to reduce marginalization of disadvantaged groups

and strengthen social mobilization, ‘Disha Campaign’ was launched in January 2017

and as part of the campaign, special NHGs of elderly, migrant workers, transgender

community, persons with disabilities, Scheduled Castes and Scheduled Tribes as well

as coastal population have been formed in year 2017-18. 9,068 special NHGs have

been formed as part of this initiative. 81 CRPs exclusively for mobilizing coastal

population was also deployed in the year.

As part of institution building and capacity building, Kudumbashree

implemented ‘Kudumbashree School’, a special platform to impart training for its 43

lakh members towards their socio-cultural, educational and personality development.

This massive capacity building initiative was implemented in a cascading manner

through a well-designed module. Master Resource persons were selected from each

CDS and ToTgiven to them at state level. These Master RPs trained the ADS Resource

Persons in district level ToTs. Six Resource Persons had been selected from each

ward as ADS RP and a total of 1,19,124RPs had been selected from 19,854 wards.

These RPs provided twelve-hour training to each NHG within a period of 6 weeks.

NHG members completed 12 hours of training were given certificates. 2,54,109 out of

2,77,175 NHGs and 35,00,000 members out of 43,06,976 participated in the

program.Kudumbashree School helped in creating education among the grass women

about their social responsibilities and to improve their standard of living through

knowledge. District level convergence training workshops, named ‘Samanwayam

2017’, towards institution building were conducted for LSG representatives

(PanchayathPresidents &Member, Welfare Standing Committee) and Kudumbashree

CDS officials (CDS chairperson & Member Secretary) in 2017-2018. Training

provided to 5151 members with an objective to support Local Self Governments to

develop self-sustainable villages in 2020 in convergence with Kudumbashree CBOs.

Capacity building of more than 500 Kudumbashree State (SPMs/SAPMs) and district

Mission Staff (DPMs/BPMs) also conducted in 2017-2018.

(2) Plans for 2018-19

Institution Building and Capacity building initiatives to take Kudumbashree to

the next level of operational, programmatic, financial and organizational maturity

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towards effectively and efficiently advancing its mission into the future will be

undertaken in 2018-19. Training of individuals, groups, communities and elected

representatives to enhance their abilities to perform core functions, solve problems,

define and achieve objectives, understand and deal with their development needs in a

broad context and in a sustainable manner and to make the community network

more vibrant and cohesive will be the objectives of Capacity Building in the coming

year.

(a) Institution Building - Strengthening NHGs &their federations and observance

of ‘Year of NHG’

2018-19 will be observed as ‘Year of NHG’by Kudumbashree as 2018 marks the

20th anniversary of Kudumbashree. This activity is designed with an objective to

strengthen the community network. As a part of the activity, various tasks like ‘Total

InclusionDrive’, ‘Promotion of Self-SufficientCDS’, ‘Digitalizationof all NHGs’,

‘Development of Monitoring and Communication tools like Mobile Applications’,

‘Development of ADS as a Resource Centre’, , ‘Training in book keeping and

accounting’, ‘Campaign for entitlements’, ‘Poverty free GramaPanchayat’, ‘NHG

gradation& awards for best performing NHGs/ADS/CDS’, ‘NHG level micro credit

plan’ etcwill be undertaken.Also, activities like development of a ‘Volunteers Network’

for various community activities or services, ‘IEC activities’, ‘development of CDS

action plan & its integration with PanchayatPlan’, are also envisaged towards

strengthening NHGs and their institution building.

The total cost estimated for this activity is Rs. 1240 Lakhs. The expenses

towards training 2.7 lakh NHGs in book keeping and accounting as part of this

activity will be booked in NRLM IB & CB.

The expected expenditure for Year 2018-19 under Institution Building is Rs150

Lakhs

(b) Capacity Building - Promotion of NHGs, ADSs and CDSs –‘Kudumbashree

School’

‘Kudumbashree School’, an intensive training program for all NHG members

aimed at educating on social responsibilities, was conducted successfully in 2017-18.

As there is a felt need for giving continuous training to NHG members and families

and to incorporate more training modules such as ‘Livelihoods’ and ‘FNHW’, it is

proposed to conduct second phase of ‘Kudumbashree School’in the year 2018-19 in a

more rigorous manner.

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It is expected that a total amount of Rs. 1100 Lakh will be required for the

activities such as curriculum development, printing of handbooks/materials, ToTsto

RPs/Community leaders/Mission Staff and for RP honorarium. The expenses such as

a) Training for CDS level Master Trainers (1065 x 03 days x Rs. 700 - Rs. 22.00 Lakh)

and b) Training for ADS level Trainers (1.17 Lakh x 02 days x Rs. 100 -Rs. 234.00

Lakh) will be booked in NRLM IB & CB and the rest of the amount will be booked

under State Plan Fund.

The expected expenditure for Kudumbashree School is Rs250Lakhs

(c) Capacity building – Training of office bearers of CBOs and Panchayaths,

Mission Staff and CRPs - Training

Capacity Building of community leaders, representatives of three tier Local

Bodies, Mission Staff and Training Resource persons will be conducted in 2018-19.

Exclusive trainings will be imparted to the newly elected CDS/ADS/NHG Office

bearers in FI & SI, Social Empowerment and Livelihoods. The details of capacity

building programmes that will beconducted during the year 2018-19 are listed below:

Sl.

No. Item

No. of

participants

1 Training for Subcommittee members and CDS

Chairperson 5,646

2 Training for ADS Office bearers 47,886

3 Training for Member Secretaries of Panchayaths 941

4 Training for CDS Accountants 941

5 Training for elected members of LSGs 1,065

6 Training for Mission Staff 400

7 Capacity building of training CRPs 250

Total 57,129

Trainings will include field visits to relevant NGOs/organizations within and

outside the state and leadership and motivational training for the Mission Staff and

Community Leaders. The overall objective of this Capacity Building Programme will

be promoting ‘Self-sufficient CDSs’. Approximately 57,000 people will be trained

during the year 2018-19 and these trainings will ultimately help more than two lakhs

Kudumbashree NHGs to transforminto strong institutions of the poor.

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The total cost of this Training Programme is estimated to be Rs. 750 Lakhs. An

amount of Rs. 250 Lakhs will be met from NRLM and the remaining amount will be

booked under State Plan Fund.

The expected expenditure for capacity building of CBOs is Rs250 Lakhs

(d) Capacity building of Special NHGs

As part of the ‘Disha Campaign’ in 2017-18, 4053 Special NHGs have been

formed by Kudumbashreecomprising of elderly (2590 NHGs), PwDs (1444 NHGs) and

trans genders (19 NHGs), Special Capacity Building activities specific to each group

will be conducted in 2018-19 towards institutionalization and livelihoods.

Capacity Building trainings and financial assistance (Corpus Fund) are

planned for special NHGs in financial year 2018-2019. It is planned to provide

Corpus Fund for TG NHGs (05 x Rs.10,000 - Rs. 0.5 Lakh), Corpus Fund for PWD

NHGs (250 x Rs. 10,000 - Rs. 25 Lakh), Corpus Fund for Elderly NHGs (1,000 NHGs

x Rs. 5,250 - Rs. 52.5 Lakh), Corpus Fund to NHGs in Plantation area (500 NHGs x

Rs.5250 - 26.25 Lakh), Capacitation training for Special NHGs & NHGs in Plantation

area (5000 NHGs x Rs.200 - 10.00 Lakh) and to position Elderly Coordinator in all

Rural CDSs (941 x Rs.10,000 x 12 months). Capacitation training for Special NHGs &

NHGs in Plantation area will be booked in NRLM and the rest will be booked in State

Plan Funds.

The expected expenditure for Capacity Building of special NHGs is only Rs.15Lakhs

(e) Development & Deployment of social capital – Training CRPs

For the continuous facilitation of institutions of poor, 2.7 Lakh NHGs, towards

their institutionalization and capacity building, it is proposed to further develop the

capacities of Training CRPs (State/District/Block Master Trainers in IB & CB) and

engage them as Community Facilitators in various capacity building initiatives in

year 2018-19. Currently there are 250 State/District level trained and experienced

Master Trainers in IB & CB and SI & SD (19 Training Groups – male & female RPs)

and it is proposed to strengthen this resource base through capacity building

programme.

The expected expenditure for capacity building of Training CRPs is Rs. 10 Lakhs

(f) Strengthening of coastal NHGs - CRP Cost

As part of the coastal initiatives in 2017-18 under NRLM, 15,347 NHGs have

been revived with the ground level support of 81 Coastal CRPs deployed in 218

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Coastal CDSs belonging to 9 Coastal Districts. Out of 2000 NHGs targeted this year,

1703 NHGs have been provided with Revolving Fund in 2017-18.

In 2018-19, it is proposed to retain the Coastal CRPs in Coastal CDSs (81 x

Rs.7500 x 12 - Rs. 75 lakh (rounded)).

The expected expenditure is Rs75 Lakhs

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CHAPTER 4

FINANCIAL INCLUSION

(1) Progress during 2017-18

Activities Target Achievements as of Jan-2016

NHG bank

linkage

Rs.2400 crores

and 60356

NHGs

Loan outstanding till Jan 2018

is Rs.3200 crores

Linked 62103 NHGs.

Financial

Literacy

Campaingns

978 CDS

Financial Literacy to 978 CDS

representatives and 2 members

from each unlinked NHGs have

been conducted . This

campaign resiluted in the

linking of 13000 NHGs for the

first time

Interest

Subvention 700

Interest subvention has been

released for a sum of Rs. 133

lakhs 8352 NHGS. (Target to be

completed before March 2018)

Bank Managers

Training 12 Lakh

Districts level orientation

training were conducted in all

the districts

Revolving Fund 1500 lakhs

Identified 10,000 eligibleNHGs

and Claims have been

processed for the same. Funds

will be distributed before 15th of

March

Vulnerability

Reduction Fund 375 lakhs

Identified 500 eligible Area

Development Societies(VOs)

and claims have been

processed. Funds will be

distributed before 15th of March

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(2) Plans for 2018-19

(a) Financial Literacy Program:

It is estimated that microfinance activities of Kdumbashree could touch the

lives of over 35 lakhs families so far. Around 2.3lakhs rural NHGs across the state

could access financial services from formal banking sector. But it is observed that

though the NHGs are availing bank loan, the loan size is very small just sufficient to

meet their consumption purposes. Hence, it is high time to motivate NHGs for bank

linkages of higher amount for their livelihood needs. In 2018-19, it is planned to

impart financial literacy campaign in such a way that each SHG will be provided

6hours of training covering all the FI modules suggested by NRLM. The overall

objective of this programme will be to make at least 80% of Neighbourhood members

literate on financial & risk management. The activities include Customising Module

(prepared by RSETI), Selection &ToT of Master CRPs, District level RP Training, CDS

level Training to Income Generation Volunteers and NHG level monitoring. The total

cost of the activity is estimated to be Rs. 100 Lakhs.

ToT for Master CRPs and their honorarium, CDS level RP training (941 no.),

CDS wise Training to Income Generation Volunteers (2,35,000 Rural NHGS – training

to IG volunteer) will be booked under NRLM.

The expected expenditure is Rs100 Lakhs

(b) Insurance Scheme

Risk management being one of the important factors in poverty alleviation, it is

proposed to undertake a mass enrollment campaign aimed at enrolling at least 20

lakhs Kudumbashree members in ‘SthreeSurakshaBeemaYojana’ (a customized life

insurance policy devised for Kudumbashree Members by LIC). Though this scheme

was launched in the year 2013, the lack of RP system in the field level resulted in low

awareness and enrollment. Hence, it is planned to deploy BimaMitra(Insurance CRPs)

in each CDS, with a target to enroll at least 50% of the members of Kudumbashree.

It is proposed to organize a State wide campaign, to develop a comprehensive

software, to constitute Help Desks in all Districts, to deploy BimaMithra in all CDSs

for 12 months and institute system for data digitization. The overall cost of the

activity is estimated to be Rs. 410 Lakhs. Deploying BimaMitra at CDS level (941 x

Rs. 3000 x 12 months – 350 Lakhs (rounded)) will be booked under NRLM.

The expected expenditure is Rs. 350 lakhs.

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(c) Community Funds Disbursement & Management

In order to meet theneeds of NHGs and its members, such as consumption

needs, redemption of high cost outstanding debt, livelihoods enhancement and other

priorities like education, health, etc, it is proposed to provide the eligible and selected

NHGs with Revolving Fund (RF) and selectedArea Development Societies with

VRF(Vulnerability Reduction Fund).

A. Special NHGs : As part of the ‘Disha Campaign’ in 2017-18, 4053 Special

NHGs have been formed by Kudumbashreecomprising of elderly (2590 NHGs), PwDs

(1444 NHGs) and trans genders (19 NHGs). It is proposed to provide RF to 2,000

Special NHGs.

The expected expenditure for RF is Rs.300 lakhs

B. Coastal NHGs :As part of the coastal initiatives in 2017-18 under NRLM,

15,347 NHGs have been revived in 9 Coastal Districts. Out of 2000 NHGs targeted

this year, 1703 NHGs have been provided with Revolving Fund in 2017-18.

In 2018-19, it is proposed to provide Revolving Fund to 1,000 Coastal NHGs

The expected expenditure for RF is Rs150 Lakhs

C. Vulnerability Reduction Fund : Further, it is proposed to provide VRF to

2500 Coastal and Special NHGs in 2018-19.

The expected expenditure forVRF is Rs. 250 lakhs

(d) Interest Subvention

During the FY 2018-19, it is expected that 65,000 NHGs would be accessing

interest subvention. The target for year 2018 -19 for loan outstanding is Rs. 3500

crores and the number of NHGs to be linked is 65,000.

The expected expenditure for Interest Subvention is Rs. 1000 lakhs.

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CHAPTER 5

LIVELIHOODS

A. Non-Farm Livelihoods

(1) Progress during 2017-18

Capacity building of NHG members/entrepreneurs towards sustainable

livelihoods, Capacitation of Micro Enterprise Consultants (MECs) and Community

Investment Fund/Community Enterprise Funds to CDSs were the major activities

proposed in NRLM AAP under Livelihoods.

A Micro Enterprises Promotion Campaign – ‘Jeevanam’ was conducted in year

2017-18 as part of the livelihood strategy of Kudumbashree. Accordingly, 172 Skill

Training Agencies have been empanelled for providing EDP/Skill Training to potential

entrepreneurs part of various NHGs. 21,904 NHG members were provided with

General Orientation Training cum EDP in Livelihoods in the current year. Under

NRLM, Skill Training in various non – farm livelihoods were given to 5,105

beneficiaries in 2017-18. An amount of Rs. 1.8 crore was utilized towards Skill

Training of NHG members. Capacitation of MECs, a dedicated and expert Community

Cadre for Livelihood promotion was conducted under NRLM in the current year.

While 230 MECs were given general training in Accounting and Book Keeping of

Enterprises, 16 MECs were given a special 10-Day residential training with the

support of ILO on ‘Start & Improve Your Business’. An amount of Rs. 30 Lakhs

utilized under NRLM for capacitation of MECs.

Under NRLM, Kudumbashree provided Community Investment

Fund/Community Enterprise Fund as Seed Capital to 376 out of the targeted 400

rural CDSs (24 CDSs could not open exclusive Bank Accounts for CIF/CEF due to

various reasons) to meet the working capital needs of NHGs/NHG members who own

and manage Micro Enterprises and collectives. 153 CDSs released CIF/CEF to NHGs

through Micro Credit/Livelihood Enhancement Plan as on January, 2018 which

benefitted 1012 Micro Enterprises so far. The rest of the funds will be disbursed by

CDSs before March, 2018. Capacity Building Training was also provided to Micro

Enterprises Consultants in assisting the NHGs in developing Micro Credit/Livelihood

Action Plan and Training to CDS officials was also provided to strengthen their ability

to manage community funds.

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A. Non-Farm Livelihoods

(2) Plans for 2018-19

(a) Capacity building of NHG members/Entrepreneurs towards sustainable

livelihoods

Micro Enterprises Development is an important strategy of Kudumbashree for

the Economic Empowerment of Women.In the financial year 2018-19, it is proposed

to form 6000 new Micro Enterprises in service sector as well as in production sector

(Way side amenities, Green Protocol units, Ambulance Services, Courier Service,

Taxi/Buggi service, Labour Bank, Yoga/Wellness centres, Tours & Travels,

Kudumbasree Tutorials, Rural Services, Mobile Beauty Clinics, mini restaurants,

Kudumbashree meals service, Mobile Repairing, Motor Vehicle drivers, Hatchery, Pet

care center, Mobile ABC Unit, Geriatric care Service providers, Santhwanam

volunteers, Street Light service team, Facility Management Service teamsetc). Since

Kudumbashree has started focusing on social mobilization and inclusion of

vulnerable communities under NRLM in the current year, and a good number of

NHGs have been formed and revived among coastal population, elderly, transgenders,

PwDsand other vulnerable sections, Kudumbashree aims at providing Livelihood

Training (Skilling in services/trades) 20,000 women in 2018-19 with a good number

of women belonging to coastal population, elderly, transgenders, PwDs and other

vulnerable sections.

The total budget estimated for Non Farm Livelihoods (Micro Enterprises) in

2018-19 is approximately Rs. 50 crores including various financial assistances such

as Start Up Fund, Interest Subvention for MEs, Technology Fund, Technology

Upgradation Fund and Innovation Fund. The Skill Building component (trade related

livelihood training) is proposed to be booked under NRLM. The expected expenditure

is Rs. 1350 Lakhs

(b) Capacitation of MECs

Over the years, NRLM programme has enabled many of the Micro Enterprise

Consultants to obtain first-hand understanding of micro enterprise management

techniques. Many of the trained MECs are now acting as Mentor MECs in other

States as part of Kudumbashree NRO. In 2018-19, Kudumbashreewill identify,

capacitate and engage more MECs and will provide advanced trainings to MECs for

assisting the micro enterprises to the tune of Rs. 50 Lakhs.

The expected expenditure for Capacity Building of NHG members and MECs in

Livelihoods is Rs. 1400 lakhs.

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(c) Community Investment Fund/Community Enterprise Funds to 221 CDSs:

Under NRLM, Kudumbashree proposes to provide Community Investment

Fund/Community Enterprise Fund as Seed Capital to 221 rural CDSs to meet the

working capital needs of NHGs/NHG members who own/manage Micro Enterprises

and collectives. (Till 2017-18, 720 CDSs have been provided with CIF). The objective

is to enhance the livelihoods of the poor through investment into asset creation

and/or improvement in productivity and ultimately enhancement of household

income. The most important aspect in implementation of CIF / Community

Enterprise Funds would be the inclusion of ‘micro level livelihood enhancement

planning’ (Micro Credit Plan) as an empowerment tool for the marginalized

communities. NHGs can undertake any permissible activity jointly as a group or the

group may decide to support individual(s) for livelihood activities. CIF/CEF shall be

utilized for developing productive and value addition infrastructure for existing and

new micro enterprises, collectives, consortiums and producer groups, Groups

engaged in NTFP related activities (storage, value addition, marketing facilities and

plantations of important species) and value-addition of products of Micro Enterprises.

In order to promote Micro Credit / Livelihood Action Plan based lending, capacity

building training to district and block financial inclusion/livelihoods team and to

MECs or MCP CRPs is planned in the financial year 2018-2019. Training to CDS and

ADS officials will also be provided to strengthen their ability to manage community

funds.

The total estimated expenditure for providing CIF/CEF Funds to NHGs and Training

on MCP based lending for FY is Rs. 1200 Lakhs

(d) AajeevikaGrameen Express Yojana

Kudumbashree proposes to implement AGEY in 10 Blocks across the State

especially in the GramaPanchayaths (hilly/forest regions of the State) where public

transport is poor and poor transportation facilities have been identified as a critical

gap in in Mission Anthyodaya Survey. Community Investment Fund (CIF) will be

provided to 10 Community Development Societies additionally to operate public

transport services under AGEY. Kudumbashree intends to provide the selected

Community Development Societies with resources, capacity building and facilitation

to operate public transport services (4 wheeler Jeeps / 3 wheeler passenger vehicles

only) in backward rural areas where transport services of the State Government are

not being operated and where community is largely depending on parallel transport

services of private players. This will provide safe, affordable and community

17

monitored rural transport services to connect the remote villages with key services

and amenities including access to markets, education and health for the overall

economic development of the area. Since only the non-serviced areas of State

Transport Department are selected, a detailed traffic and feasibility survey is not

required. In the selected Panchayaths, the transport facilities will be provided from

and to the centres of the Panchayaths where services and amenities like Panchayath

Office, Market, Schoolsetc are accumulated.

The total estimated expenditure for providing CIFFunds to CDSs for AGEY is Rs. 200

Lakhs

B. Farm Livelihoods

(1) Plans for 2018-19

Kudumbashree has undertaken the MKSP Project three years back as PIA for

the State, which over the years, created amble social capital in the form of Joint

liability groups (JLGs) and community resource persons in the field of Farm

Livelihoods. The project target was kept at promoting 30,000 JLG, with 1,50,000

women farmers undertaking cultivation in 24,000 Ha. However, today there are more

than 50,000 JLGs with 2,88,005 women farming members in it cultivating in more

than 50,000 Ha. The support and convergence of the allied departments has created

a fertile ground for further scaling up the livelihood intervention in 2018-19. During

the 2018 -19, Kudumbashree will scale up the livelihood intervention in order to

reach at least 70% of the members of the community network from the current 60%.

Until now, Kudumbahsree’s farm livelihood approach was based on the group

concept at the collective institutional level of the JLG. Through the NRLM AAP, it is

planned to support livelihood at the individual/household level, through capacity

building and community funds.

It is proposed to include Farm Livelihoods (Agri& Animal Husbandry)

interventions under NRLMAAP in year 2018-19. As part of maximizing the reach, it is

planned to capacitate the village level community leaders (CDS member on

livelihood). 19,450 CDS committee members on livelihoods will be trained on specific

modules of generic livelihood and sectoral livelihoods to identify the different avenues

in the livelihood sector and enhance the opportunity of the convergences in ensuring

better support for the livelihood groups. It is also planned to organize multi-layer

convergence meetings of the agriculture and animal husbandry departments with

SRLM, from village level to state level, culminating in the preparation of livelihood

action plan. Multi-layer capacity building and supporting through the community

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resource persons will be one of the major strategies of farm livelihood intervention.

The multi-tier training will sensitize the community on the identification and support

environment required for the supporting the livelihood activity. Based on the

identified themes (agriculture, animal husbandry) specific modules on production,

harvesting, procurement, storage, primary and secondary value addition will be

developed. The services of SRPs/NRPs and other technical and research institutes

will be availed for the creation of the modules. The developed modules will be used as

the training material for the CRP and community through the CRP. The focus will be

to support households on multiple livelihoods, creating extension service workers

through CRPs, sharing forums among states /districts on best practices and

positioning of dedicated Livelihoods Persons at the block level. Honorarium of

CRPs/SRPs, Organization of training programs, Printing of training material,

Exposure visits of community/CRPs will be met from IB & CB component and other

activities such as setting up of Custom Hiring Centres, Promotion of medicinal plant

cultivation, Support for the broiler production unit will be met from CIF.

The total estimated expenditure for Farm Livelihoods under IB & CB is Rs. 100 Lakhs

and under CIF is Rs. 1000 Lakhs

19

CHAPTER 6

SOCIAL INCLUSION,GENDER, SI SPECIAL PROJECT&INNOVATION

1. Social Inclusion & Social Development interventions for Tribal population

(1) Progress during 2017-18

A. Comprehensive tribal and particularly vulnerable tribal group development

programme (Attapady)

In the backdrop of the high rate of infant mortality among tribal communities

in Kerala in 2013-2014, Ministry of Rural Development approved Attapady

Comprehensive tribal and PVTG development project. The project aims at mobilizing

10,000 families of Irula, Muduga and Kurumba families in four tier institutional

architecture of their self-sustaining institutions. This special project was designed to

develop prototype for Day- NRLM to work with tribal communities in Kerala and

across the country. The progress in Attapady Programme given below.

Number of NHGs 663

Number of Oorusamithis 120

Number of Panchayatsamithis 4

Number of Block samithi 1

Other Particulars Target Achievements as

on Jan 2018

Strengthening Block Samithi and Panchayatsamithis In Process

Centres of excellence

Capacity building to build resource groups of women on various themes like gender, education, health,

legal rights

8

10 Centers of

Excellence Selected.

Infrastructure ready: 6

Training: 4

Block Resource Centre 1 1

20

Village Enterprises 3 3

Ward- level village enterprises 44 30

VRP for convergence and action 1 VRP plan prepared

Process Documentation 1 Prepared

Up scaling the work 3 areas

3 areas completed

Thirunelli, Aralam, Nilambur

B. Intervention of 3 districts – Thirunelly (Wayanad), Aralam Farm (Kannur)

&Nilambur Constituency (Malappuram)

In year 2017-18, Kudumbashree started interventions in 3 special tribal areas

with the support of Attapady PMU. Through this intervention, 440 tribal NHGs have

been formed/revived and included around 5714 families in to the NHGs. The

progress of activities in these Districts given below.

N

o Activities Thirunelly Aralam Nilambur Total

1 New NHGs formed/Rejuvenated

NHGs 132 51 97 280

2 Persons included in NHGs 1848 396 741 2985

3 Corpus fund Released to NHGs 6 6 7 19

4 CIF released to NHGs 0 6 0 6

5 Bridge camps 3 1 1 5

6 Students participated in

Balasabha camp 67 65 32 164

7 No of Balasabha 3 3 7 13

8 No. of Youth club 2 1 2 5

9 Hamlets prepared Micro plan 82 6 140 228

10 No. of Community Kitchen 60 1 0 61

11 Bridge school 1 1 2 4

12 NHG leaders trained 100 60 180 340

21

13 NHG members oriented 1980 345 540 2865

14 PRI members oriented 50 30 70 150

15 CDS oriented 50 22 79 151

16 Department official oriented 20 10 30 60

17 Counselling interventions 39 0 0 39

18

Members given General

Orientation Training in livelihood

development

0 26 82 108

19 Members trained in Skills

26 26

20 JLG formed 2 5 7 14

21 Football team 1 2 11 11

22 Study about traditional art form 1 0 1 2

23 Youths mobilized for DDU GKY 26 15 29 70

(2) Plans for 2018-19

A. Attapady Comprehensive Tribal Development Project :The interventions which

started under NRLP will be continued under NRLM and more focus will be given

Livelihood interventions in 2018-19. The major activities proposed in year 2018-19

are the following.

(i) Institution Building / Capacity Building :Block samithi/ panchayatsamithi/

oorusamithis would be trained in governance and autonomous functioning. Training

would be imparted to the institutions in book-keeping, social auditing and

maintaining accountability and transparency.

(ii) Thematic trainings for all resource group of women :Thematic trainings would be

imparted to all resource groups of women.

(iii) Community cadres : Community cadres who have undertaken work for the past

four years and have expertise in the areas of livelihoods, social development,

education, etc. to look into the work of the entire ward and will be attached to centres

of excellence for ensuring quality of training, convergence through nyayasamithi and

improving the quality of the institutions.

(iv) Block resource centre :Block samithi would develop block resource centre for

knowledge management and dissemination, which would be developed as national

resource centre

22

(v) Livelihoods :Producer companies would be developed to be registered under

panchayatsamithis. The major focus would be to create initial capital investment for

organic cultivation in 5000 acres of land. Millets, pulses and cash crops like coffee,

pepper, cardamom would be processed, packed, labelled as Malliswara products in

the mill. Marketing of NTFP is being streamlined and various pharmaceuticals like

Vaidyaratnam, Oushadi, Kottakaletc and various oorusamithis are involved in the

procurement, processing and marketing. Initial capital is required for storage and

processing space. Goat village requires initial capital and training for building goat

village with goat sheds, water facilities, books of records and training for women to

become bare foot vets. Brooms can be developed in the oorusamithis and can be

directly sold in the markets of Coimbatore, Polachi in Tamilnadu. Lemongrass plant

would be developed for production of lemongrass oil. There would be special focus on

Kurumbapvtg areas for panchaKrishi, cultivation of millets, pulses, vegtables, tubers,

edible leaves, fruit trees, etc.Honey processing unit would be set up. A series of

enterprises for the youth would be promoted through initial capital support through

the panchayatsamithi on loan basis. Further, the Project Management Unit will be

totally transferred to block samithi and block samithiwill be trained in governance

and convergence. Transaction based MIS will be rolled out.

The expected expenditure for Attapady Tribal Intervention is Rs. 500 Lakhs (Rs. 200

Lakhs in IB & CB and Rs. 300 Lakhs in CIF)

B. Tribal special interventions

(i) Thirunellypanchayth of WayanadDistrict : Capacity building and formation of

institutions of poor will be continued in more wards. Distribution of RF, VRF, CIFetc.

to NHGs and start-up cost to the tribal special ADSs are the major interventions

planned in Thirunelly. Based on need of the community, educational, nutritional and

health related interventions will be implemented under the social development

programme. Livelihood interventions in farming and non-farming sector will also be

made during this FY.

(ii) Aralam farm of Kannur District :Since the farm area is ideal for cultivation of

vegetables, the focus would be to set up a vegetable cluster. 100% inclusion of tribal

families in to NHGs folder will be another objective. RF, VRF,CIF, start-up cost etc.

will be disbursed in this FY. The social development activities will also be

implemented.

(iii) Nilambur area of MalppuramDistrict :Nilambur is populated with vulnerable

tribes like Cholanaika ( PVTG ), who survive through collection of forest produce.

Distribution of community funds like CIF, VRF, RF, Start-up fund and Social

23

development activities and capacity building for the community will be the major

activities under NRLM

One of the major tribal interventions planned in this FY is to focus the most

vulnerable tribes such as ‘Koraga’ community of Kasaragod, ‘Kadar’ community of

Thrissur (both are PVTG) and Malampandara community of Pathanamthitta(

Nomadic tribes of Kerala). Interventions planned among these communities in 2018-

19 are the following.

(iv) ThrissurDistrict :Social mobilization and Financial Inclusion of 300 Kadar

families from 9 panchayth of Thrissur district.

(v) KasargodDistrict :Social mobilization and Financial Inclusion of 530 Koraga

families from 13 panchayth of Kasaragod district.

It is estimated that an amount of Rs. 1000 Lakhs will be required for interventions in

these five areas. However, the IB & CB components such as social mobilization,

social inclusion, CRP cost and institution building & capacity building and Financial

Inclusion compounder such as RF, VRF and CEF will be booked under NRLM. An

amount of Rs. 400 Lakhs will be booked under IB & CB and RF/VRF/CIF. The rest of

the expenses will be met from State Plan Fund

IB & CB includes a) Induction cum field level training to NHGs leaders, ADS leaders,

exclusive institution leaders in Book keeping and other related training programme,

b) CRPs supportcost(Rs. 9500 x 225 x 12) c) deployment of Book keepers etc.

Community Funds such as Revolving Fund, Vulnerability Reduction Fund and

Community Enterprises Fund will also be disbursed under NRLM.

The expected expenditure for IB & CB is Rs.400 Lakhs, RF is Rs. 100 Lakhs, VRF is

Rs. 100 Lakhs and CEF is Rs. 100 Lakhs.

2. Mainstreaming of Gender

Kudumbashree gender programmes aims at ensuring all development efforts

take into account the needs, experiencesand contribution of women by removing

structural barriers. It promotes women’s participation in decision making that affect

their lives, eradication of inequality, prevention of exploitations and sustainable

development. Also the programmes focus on creating women friendly living situations

and women empowerment.

(1) Progress during 2017-18

24

In 2017 -18, Kudumbashree concentrated on preventive actions and

development of community based institution mechanisms for gender mainstreaming.

356 Community Counselors were selected, trained and deployed in 2017-18. They

have provided counseling & emotional supportto community such as parents of

mentally challenged children, women who face stress/depressionand to other women

having various psychological and physical needs. The Counselors also provided

assistance and services to Gender Resource Center, Block level counseling Center

and Snehitha, established by Kudumbashree as part of Gender related activities.

SnehithaGender Help Desk functioning in all districts have intervened in various

atrocities against women & children such as domestic violence, child abuse,

trafficking and sexual harassment. Snehitha help desks addressed 10,200 cases and

given short stay facility to 2022 persons.Kudumbashree has developed 114 Gender

Resource Centers and 75 Block level counseling centers in convergence with Local

Self Government Department. These centres addressed inequality that manifested in

many forms such as gender discrimination, social stereotyping, gender based

violence, health and nutritional issues, limited access to resources. Vigilant groups

were formed to prevent atrocities against women and children in 14,949 wards.

Vulnerability mapping was conducted in 140 LSGIs. The reports are being formulated

and based on findings, projects will be evolved to address the identified

vulnerabilities.Gender sensitization training has been given to all Kudumbashree

staff, including Block Coordinators, DPMs and District/State Mission Staff. More

than 1000 persons have undergone gender sensitization training.

(2) Plans for 2018-19

The overall strategy in 2018-19 will be to create a supportive and enabling

environment(through gender sensitisation of CBO leaders, development of Gender

Resource Centres in all CDSs to mainstream gender, psycho social support to

survivors, gender analysis of different sectors), promote preventive actions

(Vulnerability Mapping to identify the existing vulnerabilities in the locality and

vigilant groups strengthening at village level) and to facilitate a transformative

approach (develop theatre group in 9 districts to disseminate awareness, self-learning

programme in all NHGs based on different modules, special portal development and e

- learning programmes/modules and resource team development for other states and

within state according to the demand). The activities and targets proposed given

below.

25

No Activity Description Target Budget

(NRLM)

1 Gender

Awareness to all

NHGs

Educational campaign on rights and

opportunities and to address atrocities

against women and children.

254941

NHGs

300.00

2 Vulnerability

mapping

Identification of vulnerabilities in

convergence with LSGIs, that lead the

community into vulnerable situations and

evolve programs to address them.

140 CDS

60.00

3 Gender

Sensitization

Training

Gender Sensitization Training to

community leaders, to equip them to

address grass root level gender issues

995 CDS /

995 RPs

17.33

4 State level

Resource Pool

formation (TOT)

.

To provide gender sensitization with in the

state and implement gender programmes in

different sectors.ToT for 14 SRPs from 14

districts for 10 days

14 persons

3.00

5 Community

Counseling

To provide counseling and to deal with the

gender related cases in the society. They

support and guide people to resolve issues.

4 days training.

357

counselors

16.00

6 Snehitha Help

Desk

Self Defense training to SnehithaStaff 154

4.08

7 Capacity

Building

Capacity building training for Gender Core

Resource Persons, Gender programme team

members in collaboration with the expert

institution.

140 RPS &

175 Gender

Program

Staff

6.30

8 Special Resource

Pool

development -

Mentors in other

states.

Selection and training of 25 former CDS

chairpersons to form a national resource

team, who will work in convergence with

NRO of Kudumbashree to create awareness

about gender sensitive issues in other

States

25 NRPs 19.625

No Activity Description Target Budget

(State Plan)

9 Vigilant Group Grass root level preventive mechanism

formed at ward level. 5 to 10 female and

male members identify and deal with the

issues. Capacity building and Skill training

to strengthen the groups in all 21908

wards

21908

wards

438.16

26

The total estimated expenditure under NRLM is Rs. 450 Lakhs

CHAPTER 7

SYSTEMS – HR & MIS

1. Progress during 2017-18

A. Human Resources

Human Resources were proposed to be enhanced and strengthened in line with

enhancement in allocations in year 2017-18. All major positions have been filled in

2017-18, and now there are 1 COO, 4 SPMs, 2 PMs, 16 SAPMs and 1 Accountant at

SMMU.At DMMU level, there are now 98 DPMs and 14 Accountants. At BMMU level,

there are now 152 BPMs.

B. MIS - Transaction Based accounting systems of SHGs and federations

Rollout of TBSDAS (Transaction Based SHG Digital Accounting System) has

been started and is progressing in 139 blocks out of 152 with the cutoff data of

11,911 SHGs using online web application. As CDSs (CLFs) are the data entry points,

purchase of laptops and dongles completed for 933 CDSs out of 940 CDSs. One data

entry operator is hired in each CDS. TBSDAS training has been completed at state,

district, block and CDS level. Master Trainers have been selected for each district and

given them training. Action plan, standard operating procedure and data collection

format have been prepared in regional language for the rollout.

2. Plans for 2018-19

A. Human Resources

27

Status 2017-18 Plan 2018-19

Sl Positions

No of

position

approved in

AAP

Position

filled

Vacant

position

No of position

required

1 SMMU 59 28 31 13

2 DMMU 112 112 0 0

3 BMMU 456 304 304 202

TOTAL 627 444 335 215

For details see Table 1

B. MIS – TBSDAS

In order to intensify TBSDAS roll out and scaling up, Kudumbashree will

deploy one more data entry operator in each CDS and a dedicated MIS Block

Coordinator in each of the 152 Blocks. Refreshment training will be provided to all

CDSs. Existing data entry issues will be resolved by revising the standard operating

procedure. A Help Desk – Call Centre will be started at State Mission to solve field

level data entry issues. In order to streameline data collection and entry,

Kudumbashree will include ADSs (VOs) in data collection system and will ensure the

smooth and speedy delivery of filled data formats from NHGs to data entry locations.

A Model District where all NRLM MIS activities are successfully rolled out will be

developed in the coming year. An M&E strategy and capacity building plan will be

developed and a Monitoring and Evaluation System for TBSDAS will be ensured in

2018-19. The major activities and budget for the same given below.

Sl.No Plan Description Budget

(lakhs)

1

Scaling up of

Transaction Based

SHG digital

Accounting

System(TBSDAS)on

regular entry basis

Refreshment training at CDSs

Revision of SOP to solve the existing data

entry issues.

Help desk system at state level

Inclusion of ADSs in data collection

system

Delivery of filled data formats from NHGs

to data entry locations.

Printing of formats, data collection and

entry, training and internet charges

550.00

28

CRP – data entry costs

2

Monitoring and

Evaluation(M&E)

mechanism and

capacity building

Implementation of M&E strategy and

capacity building plan at state, district

and CDS/CLF level

50.00

Total

600.00

The total estimated expenditure is Rs. 600 Lakhs

29

CHAPTER 8

FINANCIAL PROGRESS

(i) Allocation vs. Expenditure during FY 2017-18 by component under NRLP and

NRLM

PROJECTED COMPOMEMT WISE EXPEDNITURE UP TO 31.03.2018

B1.1 State & District Mission Management Unit 10485625

B1.2 Capacity Building Support 1235425

B2 Institutional Building and Capacity

Building

B2.1 Block Management Unit Costs 56677525

B2.2 Social Mobilization and Community

Institutions 185823465

B2.3 Financial Inclusion Initiatives 185515986

B3.1 Community Investment Support 443846000

B3.2 Livelihood Initiatives 225358

B4.2 Other Special Initiatives 650000

E1 Marketing 5000000

NRLM TOTAL 889459384

F INTEREST SUBVENTION 20000000

SARAS 3500000

30

(ii) Financial requirements for FY 2018-19 by component under NRLM

(Please see Chapter 10)

(iii)Administrative expenditure incurred during FY 2017-18 (projected up to

March 2018)

B1.1 Administrative Expenses - State & District Mission

Management Unit 1,04,85,625

(iii.a) Administrative expenditure projected for FY 2018-19

Administrative expenses include State & District Mission Management Cost

(Salary& other salary components such as basic salary, dearness allowance,

conveyance, medical allowance, child education allowance, special allowance, PF,

ESIC, professional tax, Travel/Daily Allowances and other expenses of NRLM Staff),

Office Administration expenses at State and District level Offices (stationery,

communication, postage, printingetc) and other Office expenses related to hiring of

office equipment or vehicles for SMMU and DMMU, and other expenses related to the

Office of the State Mission Director (State office and Camp Office – executive

assistants, hiring of office equipment/vehicle, hiring of camp office space etc) in

executing official duty in the capacity of SMD.

B1.1 Administrative Expenses projected for 2018-19 150.00

Lakhs

31

CHAPTEER 9

INFRASTRUCTURE & MARKETING DEVELOPMENT

1. Progress during 2017-18

Kudumbashree as part of promoting the rural products and rural enterprises,

conducted SARAS Fair during Onam Festival in Malappuram District along with food

fests and cultural fests, featuring cuisines of different States, art forms of Kerala and

various products made by Kudumbashree women and artisans across the country.

There was a sales turn over of 7 crores in SARAS Fair apart from the sales of Rs. 35

Lakhs in the Food Court. Kudumbashree also participated in AajeevikaMela, 2017,

IITF 2017-18 and various SARAS Fairs conducted by different States (Ahamedebad,

Vijayawada, Jaipur, Dehradun, Goa, Raipur, Kolkattaetc)

2. Plans for 2018-19

Marketing of Kudumbashree products will be streamlined and new avenues for

products sales will be created in 2018-19. Funds will be earmarked for Monthly

Markets in 300 Panchayaths / Municipalities / Corporations, Onam/Christmas

Festival Fairs, I&PRD/SARAS/Tourism/IITF Fairs and other Trade Fairs

(infrastructure cost of conducting monthly markets/fairs and cost of participating in

trade fairs, including SARAS Fairs within and outside the State, support cost of

MECs and facilitation cost of management units for assisting in trade fairs and cost

of logistics including transportation and other support).

Promoting the products of 1000 women micro enterprises will be the physical

target in 2018-19. Café Kudumbashree is a popular brand of Kudumbashree

Catering Enterprises, and there are more than 1000 units in the State engaged in

food production and funds will be earmarked for the conduct of 100 Café

Kudumbashree Food Festivals (both stand-alone food fests and establishing food

courts of Kudumbashree in other fairs).

The success of Trade Fairs shows that the customers are attracted towards

Kudumbashree products and there is scope for widening the market network. Funds

will be earmarked for establishing a Distribution Network - Home shop Management

Unit which will establish regular flow of products from manufacturers to distributors

32

to customers (including setting up warehouse, basic operating costs like office space,

storage space, vehicle, telephone/fax machine and personal computer).

As the process of shopping on the web is becoming commonplace in Kerala

with an internet penetration of around 35% and increased consumer awareness,

fund will be earmarked for developing an online portal and to evolve an 'End to End

solution' whereby financial support will also be provided for capacity building of

entrepreneurs and warehousing or shipping units.

Overall, the Marketing Activities include Monthly Markets, Trade Fairs (Block,

District, State, National) including SARAS/AajeevikaMela, Permanent outlets

(Basars/Mini Basars/Nano Markets), Shelf Space in leading super markets, Food

Festivals, Online Portal, Trainings, Packing & Labelling initiatives, Marketing CRPs

(Community Marketing Facilitators) and Distribution network.

The total estimated expenditure is Rs. 1200 Lakhs

33

CHAPTER 10

SUMMARY OF COSTS AND SOURCES OF FINANCE

(i) Summary of Costs and Sources of Finance – Kudumbashree’s overall Rural

Development Plan (State Plan Funds and NRLM)

Thematic Head

Allotment/Allocation Total (Cr) State Plan

Fund (cr) NRLM (Cr)

Institution Building &

Capacity Building 50 7.5 57.5

Financial Inclusion 40 4.5 44.5

RF/VRF/Interest Subvention

0 17 17

MIS (TBSDAS) 0 6 6

Non - Farm Livelihoods & Collectives

15 14 29

CEF & AGEY 0 14 14

Marketing (incl fairs & fests) 5 12 17

Farm Livelihoods 15 1 16

CIF 0 10 10

Gender related activities 5 4.5 9.5

Balasabha 3 0 3

Social Development 29.62 0 29.62

Destitute Free Kerala Programme

20 0 20

Social Inclusion – Tribal Programmes

6 6 12

RF/VRF/CIF 0 6 6

NRLM SMMU + BMMU +

DMMU 0 10 10

Total 188.62 112.5 301.12

34

(ii) Summary of Costs and Sources of Finance (NRLM only)

Components

Budget for

FY 2018-19

(in Lakhs)

Central

Share (%)

State Share

(%)

Institution & Human Capacity

Building - A 0 0 0

SMMU and DMMU (Admin cost) –

B1.1 150.00 90.00

60.00

Capacity Building of SMMU and

DMMU staff – B1.2 260.00 156.00

104.00

Institution Building and Capacity

Building – B2 4940.00 2964.00

1976.00

Community Investment Support

Fund – B3 3700.00 2220.00

1480.00

Special project initiatives –through

partnerships – B4 0 0 0

Innovation, Pilots , Studies – C 0 0 0

Implementation support - D 0 0 0

Marketing & Infrastructure – E 1200.00 720.00 480.00

Interest Subvention - F 1000.00 600.00 400.00

RSETI - G NA NA NA

Total 11250.00 6750.00 4500.00

35

iii. Details of Costs (NRLM only)

NRLM AAP 2018-19 - Budget Components

Section Components Amount

Organisation& Micro

Finance

Year of NHG 1.5

Kudumbashree School 2.5

Capacity Building Trainings 2.5

CB of Special NHGs 0.15

CB of Training State CRPs 0.1

CRP (coastal) honararium 0.75

RF to Coastal NHGs 1.5

RF to Special NHGs 3

VRF to Coastal & Special NHGs 2.5

Fin Literacy CRP honararium 1

BimaMithrahonararium 3.5

Interest Subvention 10

TBSDAS 6

sub total 35

Agriculture & AH

CEF 10

CB of CRPs - Agri& AH 1

sub total 11

Micro Enterprises &

Marketing

Skill Building (NHG/MEC) 14

CEF 12

AGEY 2

Marketing 12

sub total 40

Gender sub total 4.5

Social Inclusion – Tribal

36

Attapady - CIF 3

Attapady - IB & CB 2

Tribal - RF 1

Tribal - VRF 1

Tribal CEF 1

Tribal - IB & CB 4

sub total 12

SMMU sub total 1.5

DMMU + BMMU sub total 8.5

Grand Total 112.5

37

CHAPTER 11

TABLES

Table-1

Human Resource – Status

As of Jan’18

Status 2017-18 Plan 2018-19

Sl Positions

No of

position

approved in

AAP

Position

filled

Vacant

position

No of position

required

SMMU

1 CEO NA NA NA NA

2 COO 2 1 1 0

3 State Programme

Managers 7 4 3 2

4

Managers (IT,

Finance, Software,

DB Admn, Web

Admn)

6 2 4 3

5

Project Executives /

Hardware / Editorial

Asst

0/ 1/1 0/1/0 0/0/1 0/0/1

6 Young Professional

(YP)/NF 0 0 0 0

7 Account

officer/Accountant 1 1 0 0

8

State Assistant

Program

Manager/Senior

Consultants

33/3 18/1 15/2 2/0

9

Project

Assistants/Office

Assistants/Support

staff

5 0 5 5

Sub total 59 28 31 13

38

DMMU- Number of districts with intensive implementation – 14 New Districts –

0

1

District Programme

Manager (DPM) (from

open market/staff of

State Mission)

84 84 0 0

2 Account

officer/Accountant 14 14 0 0

3

Project

Assistants/Office

Assistants/Support

staff

14 14 0 0

Sub total 112 112 0 0

BMMU- Number of blocks with intensive implementation – 152 No. of new block

- 0

1 BPM 304 304 0 0

2 Block MIS

coordinator 0 0 152 152

3

Project

Assistants/Office

Assistants/Support

staff

152 0 152 50

Sub total 456 304 304 202

TOTAL 627 444 335 215

Table-2

Coverage and Saturation of Block

S.No. Item

Cumulative

Achievement

(Dec’17)

Plan FY 2018-

19

(Incremental)

Plan FY 2019-

20

(Incremental)

Total

1.

Total No. of

Districts in the

State

14

2

No. of Districts

covered Intensive

Strategy

14 0 0 14

39

3

Total No. of

Blocks in the

State

152

4

No. of Blocks

covered under

Intensive Strategy

152 0 0 152

5

Total No.of

Villages in the

State

15962

6

No. of Villages

covered under

Intensive Strategy

15,962 0 0 15,962

7

Total no. of Rural

Households in the

state

40,95,674

8

No. of potential

poor HHs (SECC

2011 +PIP,

estimated is fine)

14,69,167

9

No. of potential

poor HHs (SECC

2011 +PIP,

estimated is fine)

in Intensive

Blocks

13,22,250 73,458 73,459

14,69,167

10

No. of Rural HHs

mobilized into

SHGs under

NRLM in Intensive

Blocks

32,45,546 58,600 58,600 33,62,746

11

No. of Rural HHs

mobilized into

SHGs by other

agencies (if

applicable,

estimates will

work) in Intensive

Blocks

NA NA NA NA

40

41

Table-3

Key Activities and Outputs: FY 2018-19

Key Performance Indicator Cumulative Achievement Upto March,

2018

Target*

Q1 Q2 Q3 Q4 Annual Target 18-19

1 2 3 4 5 6 7**

A Outreach

1 Number of new districts in which intensive implementation strategy initiated

14 0 0 0 0 0

2 Number of new blocks in which Intensive strategy initiated

152 0 0 0 0 0

3 Number of new Gram Panchayats in which intensive strategy initiated

941 0 0 0 0 0

4 Number of new villages in which intensive strategy initiated

15,962 0 0 0 0 0

B Human Resources

5 Mission professionals in position at SMMU 28 12 0 0 0 12

6 Mission professionals in position at DMMU 126 0 0 0 0 0

7 Mission professionals in position at BMMU 304 152 0 0 0 152

C SHGs and Households Mobilized

8 Number of new SHGs promoted under NRLM 221,494 500 1,000 1,000 1,500 4,000

9 Number of existing SHGs brought under NRLM intensive strategy

0 0 0 0 0 0

10 Total number of SHGs under NRLM fold (8+9) 221,494 500 1,000 1,000 1,500 4,000

11 Total households mobilized into all SHGs 3,245,546 7,325 14,650 14,650 21,975 58,600

12 Number of trained CRPs engaged 96,713 0 0 0 0 0

13 Number of SHGs provided basic training 221,494 500 1,000 1,000 1,500 4,000

D RF

42

14 Number of Total SHGs provided RF 6,998 500 500 1,000 1,666 3,666

15 Amount of RF provided to SHGs (in Rs. Lakh) 1,049.00 50.00 100.00 200.00 200.00 550.00

E CIF to SHGs

16 Number of SHGs that have prepared Micro Investment/ credit Plans

26,000 2,500 2,500 2,500 2,500 10,000

17 Number of total SHGs provided CIF 3,979 1,000 1,000 1,000 1,500 4,500

18 Amount of CIF disbursed to SHGs (in Rs. Lakh) 3,560.00 600.00 600.00 600.00 1,000.00 2,800.00

F VOs

19 Number of VOs formed 15,962

20 Number of SHGs federated into VOs 221,494 500 1,000 1,000 1,500 4,000

G CLFs

21 Number of CLFs formed 941 0 0 0 0 0

22 Number of CLFs provided basic training on CLF Management

941 0 0 0 0 0

H Financial Inclusion

23 Number of SHGs having Savings Bank A/c 208,273 4,300 4,300 4,300 4,321 17,221

24 Number of SHG Members having Individual Bank Accounts

2839784 10000 10000 10000 10000 40000

25 Number of SHGs credit linked during the year (first as well as repeat credit linkages)

70665 17500 20000 20000 17500 75000

26 Amount of bank credit disbursed by Banks (in Rs. lakh)

210867.62 70000 80000 80000 70000 300000

27 Number of SHG Member as BC agents working 0 0 0 0 0 0

28 Number of Bank Sakhis working 0 0 0 0 0 0

29 Number of bank branches with CBRM 2,405 7,962 7,962 7,962 7,962 31,848

30 Number of bankers provided orientation/ training

700 100 100 100 100 400

31 No. of financial literacy CRPs trained 56 470 470 0 0 940

32 No. of SHGs covered under Financial literacy training

44960 55000 55000 55000 56494 221494

43

33 No. of SHG members covered under Life Insurance

102345 2000000 0 0 0 2000000

34 No. of SHG members covered under Health Insurance

I Livelihoods

35 No. of MahilaKisan covered 323,000 4,500 4,500 4,500 2,650 16,150

36 No. of districts covered 14 0 0 0 0 0

37 No. of intensive blocks entered under farm livelihoods interventions

152 0 0 0 0 0

38 No. of villages covered under farm livelihoods interventions

941 0 0 0 0 0

39 No. of dedicated block LH staff engaged (@3 per block as per advisory)

152 0 0 0 0 0

40 No. of Custom Hiring Centres established 973 0 0 0 0 0

41 No. of households covered for agri-nutrition/ kitchen gardens

1,905,231 0 0 0 0 0

42 KrishiSakhi 4600 0 0 0 0 0

43 PashuSakhi 41 25 31 25 30 111

44 Van Sakhi 0 0 0 0 0 0

45 Any other type (pls. mention) 0 0 0 0 0 0

46 No. of organic cluster promoted 50 50 50 51 201

47 No. of blocks in which organic farming initiated

152 0 0 0 0 0

48 No. of villages in which organic farming initiated

456 130 130 130 127 517

49 Area brought under organic farming (Ha) 6,000 2,500 2,500 2,500 2,500 10,000

50 No. of Producers’ Groups promoted 63,000 1,500 1,500 2,000 2,000 7,000

51 No. of mahilakisans covered under Producer Groups

10,000 5,000 5,000 5,000 5,000 20,000

J Start-up Village Entrepreneurship Program (SVEP)

44

52 Number of SVEP blocks 14 14 14 14 14 14

53 Number of SVEP enterprises promoted 693 300 300 1700 1700 4000

54 Number of CRP-EPs 296 0 0 0 0 0

K AajeevikaGrameen Express Yojana (AGEY)

55 Number of GPs covered under AGEY 4 2 2 4 2 10

56 Number of vehicles deployed 2 6 6 12 6 30

57 Amount of credit disbursed for the deployment of vehicles (in Rs. Lakh)

78.00 39.00 39.00 78.00 39.00 195.00

L Food, Nutrition, Health and WASH (FNHW)

58 Number of blocks implementing FNHW 152 0 0 0 0 0

59 Number of SHGs oriented on FNHW practices 221,494 500 1,000 1,000 1,500 4,000

60 Number of health CRPs working 0 0 0 0 0 0

M Rural haats

61 Number of district level rural haats set-up 0 0 0 0 1 1

62 Number of block level rural haats set-up 0 0 0 0 5 5

63 Number of GP level rural haats set-up 0 0 0 0 10 10

N Other Indicators

64 Number of GPs covered under SAGY 28 0 0 0 0 0

65 Number of GPs covered under Mission Antyodaya

195 0 0 0 0 0

66 Number of GPs covered under PRI-CBO convergence initiatives

941 0 0 0 0 0

45

Table-4

Capacity Building Status

S.

No. Level

Cumulative till Dec’17 Plan for FY

2018-19 Proposed No. of centers

functioning

1 State Level/Regional

Level

NA NA No centres

proposed.

Proposed to

strengthen

existing

Training

Groups

(CRPs) – 19

Groups

2 District Level (if

planned)

NA NA

3 Block Level NA NA

Table-5

Financial Allocation and Expenditure Incurred in FY 2017-18

Rs. in Crore

S.

No. Parameter NRLP NRLM Total

1 AAP Allocation 8 90 98

2 Opening Balance (As on 01/04/17) 0 7.99 7.99

3 Central Allocation 8 54 62

46

4 Central Release 8 31.968 39.968

5 State Release 0 22.528 22.528

6 Other Receipts 0 0.150 0.150

7 Total Available Funds 8 54.646 62.646

8 Expenditure (As on 31/03/2018) 8 54.00 62

9 Administrative Expenses (included in Item 8) 0 1.04 1.04

10 Closing Balance (As on 31/03/2018) 0 0.646 0.646

47

Table-6

Source of Funding in FY 2018-19

Rs. In crore

S.

No. Parameter NRLM

1 AAP Allocation 112.5

2 Opening Balance (As on 01/04/18) 0.646

3 Central Allocation 67.5

4 State Allocation 45

5 Other Receipts 0.15

6 Total Funds 113.2

48

Table-7

NRLP Procurement Summary: -------------SRLM

Rs. Lakh

Sl.

No. Category

Approved for 2017-18

Procurement

Completed/expected

to be completedby

Jan.‘18

Plan for

FY 2018-19

No. of

Items

Amount

Approved

No. of

Items

Amount

Spent

No. of

Items

Amount

Required

NRLP

1. Goods NA NA NA NA

2. Services NA NA NA NA

3. Works NA NA NA NA

Sub-Total NA NA NA NA

NRLM

1. Goods NA NA NA NA NA NA

2. Services NA NA NA NA NA NA

3. Works NA NA NA NA NA NA

Sub-Total NA NA NA NA NA

Grand Total NA NA NA NA NA

49

Table-8

Progress made under Non-Intensive Strategy (Applicable States)

S.

No. Particulars

Year-wise Coverage of Non-Intensive Blocks

(Indicate the year in which Non-intensive

implementation started)

Progress

up to

Mar.’17

Progress

During

2017-18

(Jan'

18)

Expected

Progress

up to

Mar.’18

Plan/Target

for 2018-19

A. OUTREACH AND COVERAGE UNDER NON-INTENSIVE APPROACH

1 No. of districts implementing non-

intensive strategy NA

NA NA NA

2 No. of blocks implementing non-intensive

strategy

NA NA NA NA

3 No. of villages implementing non-

intensive strategy

NA NA NA NA

B. PROMOTION OF COMMUNITY INSTITUTIONS

4 No. of new SHGs promoted NA NA NA NA

5 No. of old SHGs revived/ strengthened NA NA NA NA

6 Total No. of SHGs Promoted NA NA NA NA

7 Households Mobilized into SHG Fold NA NA NA NA

C. FINANCIAL INCLUSION/MAINSTREAMING AND BUILDING ACCESS TO FINANCE

8 No. of SHGs having opened Savings Bank

accounts

NA NA NA NA

9 No. of SHGs provided RF NA NA NA NA

10 Amount of RF disbursed (in Rs. lakh) NA NA NA NA

11 No. of SHGs accessing bank credit NA NA NA NA

12 Amount of bank credit accessed (Rs. in

Lakh)

NA NA NA NA

D. OTHER ACTIVITIES INITIATED

13 NA

14 NA

15 NA

16 NA

E. PROJECT MANAGEMENT

17 No. of staff deployed NA NA NA NA

50

Table-9

HR checklist

S.No. Particulars Status

A. HR Manual

1 Whether HR manual is approved or not No (following Kerala

State Service Rules)

2 If approved, is it in line with model HR manual of the MoRD NA

3 Whether approved HR Manual of the State Mission is being

implemented NA

4

Has HR Structure/Organograms at Block, District and State level

as per Model HR Manual and policy for redeployment of excess

staff is in place

Yes

B Status of Staff Induction and Immersion

5 Whether staff (including staff on deputation, CEO/SMDs, COOs,

Direct Recruitees) induction and immersion system in place or not Yes

6 Whether all staff undergone induction and immersion as per NRLM

Advisory Yes

C HR practices in line with Model HR Manual

7 Paying Remuneration/Salary in 1st week of the month Yes

8 Payment of Annual Increment No

9 Reimbursement of TA/DA (within 15 days of submission) Yes

10 Provision for Fixed Travel Allowances (FTA) to Block/sub-block

staff Yes

11 Provision for Communication Allowance No

12 Staff covered under Mediclaim& Accidental insurance No

D. Systems for ASH and GRM

13 As per Anti Sexual Harassment (ASH) Policy, has the ICC (Internal

Complaints Committee) been constituted? Yes

14

Is there Grievance Redressal Mechanism (GRM) in place for the

Staff? Has the GRC (Grievance Redressal Cell) been constituted for

redressal of grievances?

Yes

E. Performance Management System (PMS)

15 Do all positions in SRLM have Job Descriptions (JDs) and linked

with Key Result Area (KRA) and Key Performance Indicators (KPIs)? Yes

16 Whether Performance Management System (PMS) is being

practiced regularly or not Yes