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Pifir (Rs.) (Rs.)CO RPUS FUNDjairefSRr ijg ar^retg 1 1,000,000,000.00 1,075,000,000.00

RESERVES AND SURPLUS 2 714,249,842.86 386,360,799.15w q , ijg unroFi 3 9,344,468.02 12,072,647.23CURRENT LIABILITIES AND PROVISIONS

IgN|t o t a l 1,723,594,310.88 1,473,433,446.38

ASSETSlarger F̂Tfccrq? FIXED ASSETS 4 1,155,149.97 663,989.88

|Pl^*l-3p?JINVESTMENTS - OTHERS 5 834,905,520.00 596,500,000.00

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III EAGM 152,048.00 152,048.00|«1

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As at the previous year - end31.3.2009

3TTF*TVEHICLES 264,882.22 0.00 0.00 0.00 264,882.22 246,914.92 2,695.10 - 249,610.02 15,272.21 17,967.30

OFFICE EQUIPMENTS 1,433,475.28 15,718.00 14,600.00 0.00 1,463,793.28 1,141,842.20 57,052.66 - 1,198,894.86 264,898.42 291,633.08

COMPUTER 3,248,287.00 0.00 767,633.00 0.00 4,015,920.00 3,241,023.00 232,469.10 - 3,473,492.10 542,427.90 7,264.00

qjifav 4 *J34R FURNITURE AND 1,209,848.56 10,000.00 22,277.00 0.00 1,242,125.56 862,723.06 46,851.05 - 909,574.11 332,551.45 347,125.50

FIXTURES

TOTAL OF CURRENT YEAR

6 ,15 6 ,4 9 3 .0 6 2 5 ,7 1 8 .0 0 8 0 4 ,5 10 .0 0 0 .00 6 ,9 8 6 ,7 2 1 .0 6 5 ,4 9 2 ,5 0 3 .1 8 3 3 9 ,0 6 7 .9 1 - 5 ,8 3 1 ,5 7 1 .0 9 1 ,1 5 5 ,1 4 9 .9 7 6 6 3 ,9 8 9 .8 8

■TO 4 4PREVIOUS YEAR

6 ,14 6 ,8 9 3 .0 6 9 ,6 0 0 .0 0 0 .00 0 .00 6 ,15 6 ,4 9 3 .0 6 5 ,3 8 8 ,4 0 2 .3 2 1 0 4 1 0 0 .8 6 0 5 ,4 9 2 ,5 0 3 .1 8 6 6 3 ,9 8 9 .8 8

0?mft «iW ^

TTflerr ^31.3.2010 $ 3TJTTR cJcR ^ ^ ^Ff Ft4 cTtcff SR ^ R T

SCHEDULE - 5 INVESTMENTS - OTHERS - apppft 5 - 3HT

SL.NO. (SCT Tf®qT) NAME OF BANK 31.3.10(Rs.)

31.3.09(Rs.)

1 Andhra Bank - sjrar 134,312,398.002 Bank of Baroda - aro - 50,000,000*003 IDB! Bank - anf ^ 4r an# «te> 110,000,000.00 -4 State Bank Of India - R̂#q tg> - 100,000,000.00

State Bank of Bikaner & Jaipur - tfar aro5 rycf 500,116,808.00 334,000,000.006 State Bank of Patiala - fg> arm? tiferrai 90,476,314.00 _7 Canara Bank - #rcr fg> - 112,500,000.00

TOTAL 834,905,520.00 596,500,000.00

SCHEDULE 6 - CURRENT ASSETS, LOANS & 31.3.2010 31.3.2009ADVANCES - TiTcf, r̂ftrpTfcvral. ?rsrr srftrH (Rs.) (Rs.)

A. CURRENT ASSETS: *rn?r nfttfuRatf

1. Sun d ry Debtors - fathera) Debts Outstanding for a period exceeding 107,510.00 107,510.00

six months - w eft arsfb tg tmm w2. Cash Balance in hand - ew »ia 18,538.50 20,043.503 . BALANCES WITH BANKS 4 ft*

a) S tate Bank of India (Saving Account) - tra?(t^ra w it) 39,456,038.89 47,294,533.04

b) Canara Bank (Saving Account) - cftRT (era wit) 47,879,722.93 38,980,037.16c) C anara Bank II EAGM - cftm 11 ft f̂rxpr 191,279.00 184,532.00

c) S tate Bank of India (FCRA) - ^Rcfto (Tjqjftarei?) 4,260.10 87,549,839.42 1,395.70 86,480,541.40TOTAL (A) - 4 t‘T (3t) 87,657,349.42 86,588,051.40

B. LOANS, ADVANCES & OTHER ASSETS - M arftPT ^ 3F?I f̂qfttpjf 31.3.2010 31.3.2009(Rs ) . .. . . (Rs■)

1. LOANSa) Franchisee Scheme - ĵFsht 62,288,082.00 73,465,110.00b) Gold Credit Card Scheme - w f atfe: ^ 140,711,479.00 109,704,731.00c) Housing Loan - tjs 5,604,577.00 9,688,248.00d) Main Loan Schem e - #3mi 444,704,177.35 442,177,141.35e) Loan Promotion Scheme - om f̂rar̂ T 22,587,422.80 24,406,045.30f) Refinance Schemef - t̂hsFrr 5,169,072.00 9,750,000.00g) Working Capital Term Loan - ûn 5,018,466.00 7,369,901.00h) Revolving Fund Scheme - arra?ff ^ ifR r̂r 35,617,828.43 721,701,104.58 61,126,471.43 737,687,648.08

2. Advances and other amounts recoverable incash or in kind or for value to be received: - arftR affa ar^

>flRl TvJf̂ 'SM ^ 3TSĴ T «lHl ^a) NICSI - rpt an# an^ 40,785.00 40,785.00b) Security Deposit - 950,640.40 921,640.40C) Staff - 3RKH 677,833.00 704,485.00d) Workshop - wkncrr 1,738,393.00 1,744,993.00e) Nodal Agencies - k3tfkror 585,545.00 585,545.00

f) Super Bazar - gtre w 5,250.00 5,250.00g) TDS - 7,559,308.00 2,868,650.00h) DAVP - 174,625.00 174,625.00i) Prepaid Expenses - ara 9,461.00 9,461.00j) Sub-Committee - 42,624.00 42,624.00k) Mohinder Singh - ntf^r k k 100.00 100.00

1) Prepaid Exp. EPF - ?snf 0.00 3,066.00m) Training - 329,466.00 177,416.00n) Advance - Others - arffR 534,464.00 542,764.00o) AFCL- ^wfRcr 90,000.00 . 84,944.00p) IITF - arr ŝd îrjcfl 2,224,933.00 14,963,427.40 2,226,963.00 10,133,311.40

3. a) Interest accrued & due on Loans to NGOs -wDfrr crsrr wwft pfaTera>(EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF GOVERNING BOARD)

mi

^ fe o ir

1 3T^eT ^ T e T T t e . iRTTeft f c o c f t

31.03.2010 ^ HeFT TT5T 4?f f i l le r

-110001

INCOMESchedule 31.3.2010 31.3.2009

(Rs.) (Rs.)1. Interest earned on Term Deposits with Banks

aft ap- tR sqTvjr 64,567,703.14 51,832,036.202. Interest earned (Loan to NGOs) - 3tf̂ a a3M (4? 'fRcfikt— ti-MoT) eft ■sm) 51,014,741.50 42,397,364.373. Interest earned (Savings Account) - 3rfftcr stm(̂EkT f̂M) 1,551,575.40 1,995,236.004. Membership Fee - xtctfetctt 43,000.00 60,550.005. Misc. Receipts - am? 14,075.00 19,148.00TOTAL (A) - (ar) 117,191,095.04 96,304,334.57EXPENDITURE - ara1. Establishment Expenses -wrt ^2. Administrative Expenses Etc. - irerrakw arrlft

8 9,543,979.68 9,522,263.109 12,067,016.37 8,774,612.37

3. Other Expenses - am? an12,942.00 1,032,395.00

TOTAL (B) - ajkr (w)21,623,938.05 19,329,270.47

Balance being excess of Income over Expenditure (A-B) - are ft armftl srtePcrT m art̂ rskr (ar-p)

95,567,156.99 76,975,064.10Being excess of Income over Expenditurefrom Previous Year (2008-2009) - ̂ Tcr ft ezra ft am? arfftn? gift ft arfftrh? (2008-2009

Income and Expenditure Accounts ( C ) -3TRT3lh oJJTf (tf) 76,975,064.10 44,014,692.29Transfer from ( C ) above to -v&TTT (TT) % 3FtRW:

1. Risk Fund - - 40,000,000.002. Corpus Fund - epR̂ rt 3,485,594.203. Development Reserve Fund - farum W

76,975,064.104. Information, Education & Communication Fund- TpHT, ftlOT 3ftT TfEfR

529 ,098.09TOTAL Tffrf 76,975,064.10 44,014 ,692.29BALANCE BEING SURPLUS CARRIED TOBALANCE SHEET - srî rehr^ SfLlftcT ftfTJT TRJT

95,567,156.99 76,975,064.10

TT. : 1-9 W fafcpjf t#JT ? f t e c f a T T 3 T W ^ s im ^ ^ ^ T 3TpPT 3PT I 'tffT fcrf§T cpf ftvfe 3 I1

SCHEDULES 1-9 & ACCOUNTING POLICIES FORM AN INTEGRAL PART OF BALANCE SHEET & INCOME &EXPENDITURE ACCOUNT

WH : ^ ftrcft:

PLACE: NEW DELHI DATED:

'Hl

wsqnr . 089654 GOVERNING BOARD)

NHH

TPS^I TrftcIT Tfrfa31.03.2010 ^FTRcf cpf

19. Repairs & Maintenance Charges - fftrct afhr sw 146,376.00 153,230.0020. Security and Service Charges - tttstt £crr sw 901,601.00 806,870.0021. Stationery E x p e n s e s w R - f i sri 242,254.00 137,424.0022. Telephone Expenses - 417,173.46 452,629.9923. Rent (Commission Charges) - terror 17,000.00 -24. Transport Charges - cuĝ 8,000.00 -25. Travelling Expenses - w cjrj 1,205,639.00 533,478.5226. Subscription receiable for earlier year written off- 209,000.0027. Vehicles Running Expenses/Maintenance - wri

ttrhr

1. 3T̂ cr W cT Thg. eRTcft *rrftfef M fcrwfr - 11000131.03.2010 3>t M M

PAYMENT - r̂erftui SCHEDULE 31.3.2010 31.3.2009(Rs.) (Rs.)

1. Loan - 12 156,302,500.00 124,232,319.372. Establishment Expenses - iraK-fPw w q 13 10,617,290.68 8,349,204.103. Fixed Assets - s p m . 14 830,228.00 9,600.004. Suspense Account - sftpfr #err 0.00 192,131.005. Advances - arRm 4,838,076.40 1,537,096.006. Information, Education & Communication Fund - êrt, ftrerr q F̂ferr? ftfSr 15 2,975,097.00 2,170,873.007. Promotion and Development Fund - )M?fi cto igctVre qfg 0.00 0.008. Administrative Expenses - vreTroPra? sra 16 10,842,629.67 11,392,131.459. IITF 2 0 0 7 ' - 3rriw#.aw. 2007 2,008,932.00 24,469.0010.IITF - snf.OTf.rflqqj. 2,226,963.0011. 2nd EAGM 2007 - f̂rcr f.q.qfr.qq. 200712. Closing Balance with Banks - f̂ r? 4 srfcrc «trt

307 ,091.00

a) Cash - ^ 18538.50b) State Bank of India - qredk T e e 39456038.89c) Canara Bank - qr-ro iq> 47879722.93d) Canara Bank 2nd EAGM - qr-TTf fq? tjtrt sfqtStqq 191279.00e) Term Deposits with Bank - ft TirafiJ vjrt 834905520.00 922,451,099.32 682,979,145.70TOTAL - ttP t ' ^ 1,110,865,853.07 833,421,023.62

wr=r: f̂ ĉ frl̂ Tfin :PLACE: NEW DELHI DATED:

*rfcre> TFT W f rTT-Rft ^ 5sTT

nfiTerr fffN3 i.o3.2oio ipt thtto 4̂ '̂ 4 3? fav OTPtr crm ŷraH t̂ firr ?>A 3T6ft a^jfcrm

31.3.2010 31.3.2009SCHEDULE - 10 INTEREST RECEIVED - sFjqtft 10 - ara w ra (Rs.) (Rs.)1. Saving Bank Account -

31.03.2010 f̂PTPTT ^ ^ f^P? VTf^T cfSTT ^HTTH ^ T ^T W ^

TrfjTdT

1„ 3T̂ cT Wuler «fT7cft *TT f̂e, ^ f W t - 110001

31.03.2010 W\ 3TRT Tf?f cJPT 7 ^

INCOME - aimIncome from Interest - sura 7t pm arm

31.3.2010 31.3.2009(Rs.)

170,564.72

(Rs.)

22978.00TOTAL (A) 4m (at) 170564.72 22978.00

EXPENDITURE amClaims adjusted SKa 0 0TOTAL (B) uln M 0 0

Balance being excess of Income over Expenditure (A-B) 170564.72 22978.00aifoVhr arm p? am affsmmr (ar-p)3ifm?fp (jj?5 rngti pg pggsrfppT p4p 4 imrafor)Balance being surplus transferred to DR&RF balance sheet 170564.72 22978.00

'FaTT'T : ^R>lRfr '•P LA C E : NEW DELHI

tjSst afcFP p P p m fr

(m ? ft p 5 u r e f )

DATED: SURESH MALIK & C O . - CHARTERED ACCOUNTANTS O N B E H A L F O F G O V E R N IN G B O A R D

Tivftp 4 -i ( W p r ) STRft p r i 55 WT&fTT TETRI(R A JEEV JAIN)

PARTN ERTT75TT . 089654

(EXECUTIVE DIRECTOR)(AUTHORISED M EM BER OF

GOVERNING BOARD)

a r j ^ f t - 7MftcHI

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54

CONTENTS

S.No. Particulars Page No

Introduction.................................................................................................................. 55

1. Year at a glance, Highlights....................................................................................... 56

2. Management..................... 57-59

3. Loan Scheme of RMK ................... 60-61

4. Special Concessions in the North-East Region..................................................... 62

5. Operations............................................................................. ....................................... 63

6. Scheme wise Achievements....................................................................................... 64-68

7. Regional Outreach..................... .................. .......... ............................................ ....... 69

8. Other Major Activities.................. 70-72

9. Some Success Stories.................................. 73-75

10. Financial W orking...................................................................................................... 76-91

11. Name of NGOs Financed during the year 2009-10 ...................................... 92-93

Annexure:

Training Programmes - Annexure I .................................................................................. . 94.95

List of Nodal Agencies - Annexure - II..................... .......................................................... 96-97

List of Franchisees - Annexure - III................................................................................. . 9^

List of Resource Centres - Annexure - IV 99-100

INTRODUCTION

Rashtriya Mahila Kosh (RMK) or National Credit Fund for Women was established by the Government of India in March, 1993 under the erstwhile Department of Women and Child Development and now the Ministry of Women and Child Development, under the Societies Registration Act 1860 to act as an apex micro credit organisation to give micro-loans to the poor women in the unorganised sector for their socio-economic development. RMK has adopted a quasi-formal credit delivery mechanism, which is client friendly, have simple and minimal, procedures, flexible repayment schedule, low transaction cost, disburse quickly and repeatedly and link thrift and savings with credit. RMK provides micro-finance services without collateral and hassle-free loaning for livelihood activities, micro enterprises, housing, family needs etc.

RMK provides loans to non-governmental organisations (NGOs) and voluntary agencies (VAs) who on lend to group of individual beneficiaries (SHGs) of poor women at the grass root level on terms and conditions approved by RMK. Women Development Corporations, Women Cooperatives, Women Welfare Boards/Agencies and such other agencies devoted to the economic development of women are also eligible. RMK’s activities cover both rural as well as urban areas of the country.

Micro-credit through SHGs has proved to be a strategic tool for organizing rural/urban poor women in groups and promoting savings and thrift habits to gain access to institutional credit for their socio-economic development and empowerment. The RMK model, RMK-NGOs-SHGs-Beneficiaries, has worked successfully. RMK has 22 nodal agencies for credit linkages with new and potential NGOs for business expansion, business awareness and capacity building of NGOs/SHGs Apart from Nodal Agency Scheme, RMK appoints ‘Franchisees’ . It has appointed 3 Franchisee. RMK extends bulk finance to them who in turn on lend it to smaller and potential NGOs of the State/District with similar terms and conditions as prescribed by RMK. The micro-finance programme of RMK through SHGs is the most successful one where the recovery rate is more than 90 percent.

A special credit package to enable the poor women in the North-Eastern Region of the country to access credit from RMK has been operationalised. RMK organises a number of Awareness cum capacity building programs to nurture the assisted intermediary organisations so as to enable them to train their field functionaries, SHG members and grass-root level beneficiaries. Resource Centre scheme is the RMK’s recent initiative. Under this scheme, RMK identifies reputed Government Organizations/ NGOs/Research Institutions/ Universities/ Academic Institutions having adequate infrastructure to extend their services for capacity building, vocational training and skill development, etc. to the SHG members/group leaders and implementing agencies. So far RMK has approved 14 institutions as Resource Centre.

Year A t a Gl a n c e - highlights

1.1 The year 2009-2010 was the 17Ul year of operation of Rashtriya Mahila Kosh. In this year, 23 new Non- Governmental Organisations joined RMK as partners. The total number of RMK members has reached 1,442 by the end of the year.

1.2 During the year 2009-2010, credit limits amounting to ?. 1471 lakhs were sanctioned, benefiting 15404 women beneficiaries. Against this, an amount of ?.1563 lakhs was actually disbursed. The cumulative sanctions and disbursements at the end of the year were 29474 lakhs and 23,933 lakhs respectively, benefiting 6,74,150 poor women beneficiaries.

1.3 The gross income of Rashtriya Mahila Kosh during the year 2009-2010 was1171.91 lakhs. There was an excess of income over expenditure of ?. 955.67

lakhs as compared to 769.75 lakhs in the previous year.

1.4 Although the recovery rate of RMK loans has been encouraging, even then there have been some partner NGOs who failed to return the instalments in time. RMK has taken a policy decision to initiate action and legal action by filling civil suits, criminal complaints (under Section 138 of Negotiable Instruments Act, etc.) against such defaulter NGOs and also blacklisting them. As a result thereof, RMK could effect recovery of ?. 164.50 lakhs out of the overdue loans.

1.5 Based on the recommendations of the Committee of Governors (COG) constituted by The Hon’ble President of India and the finance Minister’s announcement in union Budget 2009-10 and as suggested by the Ministry of Women and Child Development the Governing Board of RMK in its meeting held on 23.2.2010 approved strengthening and restructuring of RMK from the existing single office society to Government owned Non-Deposit Taking Systemically Important Non- Banking Finance Company (NBFC-ND-SI) and directed RMK to take necessary steps in this regard.

56

■ MANAGEMENT 2

2.1 Chairperson

Smt. Krishna Tirath, Hon’ble Minister of State (Independent Charge) for Women & Child Development, continued as Chairperson of RMK during the year 2009- 2010.

2.2 Executive Director

Shri. Vivek Joshi, Joint Secretary, Ministry of Women and Child Development is holding the additional charge of Executive Director, RMK w.e.f. 13-12-2010. Dr.(Mrs) Kir an Chadha was Executive Director, RMK till 30-10-2010.

2.3 Board Meetings

The 45th meeting of the Governing Board of RMK was held on 23/02/2010.

2.4 Annual General Meeting

The XVI Annual General Meeting of RMK was convened on 25/03/2010 in New Delhi. NGO representatives of RMK including Governing Board members attended the meeting. The AGM adopted the Annual Report and Audited Accounts of RMK for the year 2008-2009.

2.5 Loan Committee Meetings

The 69th, 70th & 71st Loan Committee Meetings were held on 09/12/2009, 08/02/2010 and 30/03/2010 respectively to sanction loan applications of NGOs and other eligible organisations.

2.6 Monitoring

RMK conducts monitoring studies to ascertain the proper utilization of loans at the grass root level after disbursement of the first instalment of the sanctioned amount. These studies are conducted by officers from RMK and other experienced and professional institutions like Agricultural Finance Corporation Ltd. (AFCL) which are well versed in micro credit and self-help group activities. Besides, verification of the utilization of loan amount, the monitors also guides the borrowing Non-Governmental Organisations towards better implementation of the scheme. During the year, numerous monitoring studies were conducted under the Main Loan, Loan Promotion and Revolving Fund Scheme.

57

2.7 Administrative Set Up

A Governing Board (GB) consisting of 16 members representing various Central Ministries / Departments, State Governments, Specialists and Representatives of Organizations active in the field of micro credit administers RMK. The GB of RMK is being reconstituted as the term of non-official members has expired. The Minister of State for Women and Child Development (Independent Charge) is the Chairperson of the Governing Board and the Executive Director, RMK acts as Member Secretary. RMK meets all its administrative and establishment expenditure from internal resources.

2.8 Objectives

RMK extends micro-finance services to the needy and poor women in the informal sector through a client friendly, without collateral and in a hassle-free manner for livelihood activities, housing, micro-enterprises, family needs, etc. RMK has taken a number of promotional measures to popularize the concept of micro financing, thrift and credit, formation and stabilization of SHGs and also enterprise development for poor women through intermediary organizations working at grass root level such as Non - Governmental organizations, Women Federations, Co-operatives, Urban Women Cooperative Banks, Government Autonomous Bodies, not for profit - Section 25 companies registered under Companies Act, all other Voluntary / Civil Society Organizations etc.

2.9 Credit - Delivery MechanismCredit is disbursed to the poor women SHGs both rural and urban through intermediate organizations like NGOs, Co-operative societies, Government autonomous organizations, not-for-profit Section 25 Companies, State Women Development Corporations, registered bodies and federations of women etc. There is no collateral.

2.10 Activities(A) - PartnershipRMK has a large NGO network in the country, which helps in creating awareness among the NGOs to integrate micro finance activities into their social sector interventions. RMK organized a number of Awareness cum Capacity Building Programme to nurture the supporting intermediary organizations and initiated a number of innovative programmes during the current year. No. of training programmes including exposure visits during the year were 13. Details of the training programmes organized by RMK are at Annexure - I.(B) - Supporting Intermediary OrganizationsThe micro finance programme of the RMK for the socio-economic upliftment of poor women through the SHGs is most successful one in the country where the recovery rate at the apex level is over 91 %. Therefore, a large number of

58

Voluntary Organizations, Government autonomous bodies, Cooperative Societies etc. are coming forward for financial intermediation.

RMK apart from giving micro-credit to the women beneficiaries also builds capacity of SHGs/women groups and partner NGOs in micro-finance and income generation activities as well as to empower them to improve their quality of life in totality with a view to enable them to train their fellow members and grass root level beneficiaries. RMK believes in women empowerment through micro financing. The partner organizations that take loans from RMK are instructed to impart literacy education, health awareness etc. to the women SHG members.

As a part of the developmental initiatives for the future growth o f micro finance RMK has launched a Nodal Agency Scheme. Till date RMK has appointed 22 Nodal Agencies in the entire country for credit linkages with new and potential NGOs with a view to expand its outreach in a most cost effective manner in the marginally and uncovered areas of the country as per list at Annexure-IL The performance of these Nodal Agencies is reviewed from time to time. RMK has another important scheme called ‘Franchisee’ . So far RMK has appointed 3 Franchisees. Details at Annexure-III. RMK extends bulk finance to Franchisees who in turn on-lend it to smaller and potential NGOs of the State/ District with similar terms and conditions as prescribed by RMK.

C- Resource CentresRMK has identified 14 reputed Government Organizations / Government Undertakings / NGOs / Research Institutions / Universities / Academic Institutions, having adequate infrastructure to avail their services for capacity building, vocational and skill development, modern practices, technology transfer, micro-enterprise development, etc. to the SHG members / group leaders and IMOs for qualitative expansion of RMK’s micro-credit programme all over the country as per list at Annexure-IV.

3

i) Loan Promotion Scheme: RMK provides smaller loan maximum upto 5 lakh to promote the activity of thrift and credit among newer and smaller but potentially capable organisations having at-least six months experience in formation of Self-help-groups, thrift, credit and recovery management.

ii) Main Loan Scheme: Organisations having minimum 3 years experience in thrift and credit activities are being considered under the scheme. A maximum Loan upto 300 Lakhs can be granted at a time under this scheme.

iii) Revolving Fund Scheme: Organisations having 5 years experience in the field of micro-credit with satisfactory track record are being considered under this scheme. The organisations can revolve principal amount sanctioned by RMK for income generation activities among the SHGs. Maximum Loan of 300 lakhs can be given under this scheme.

iv) Refinance Scheme: RMK provides 100% refinance assistance to Mahila Urban Co-operative Bank on finances provides by them to poor women either directly or through SHGs within the norms of the RMK Main Loan Scheme.

v) Repeat Loan: Repeat Loan is also available to the organisations on successful utilization of first loan. The borrowing organisation has to repay 25% of its existing loan.

vi) Franchisee Scheme: Smaller NGOs of the State can avail loan directly from franchisee appointed by RMK for that particular State without sending their proposal to RMK office at New Delhi. The Credit Limit under the scheme is

500 lakhs.

vii) Gold Credit Pass Book Scheme: This Scheme of providing hassle free finance has been designed for medium and large NGOs to revolve the fund sanctioned by RMK for 3 years. Maximum credit limit under this scheme is ?. 500 lakhs.

viii) Housing Loan Scheme:■ To provide shelter / repair of houses to SHG members through partner

organisations of RMK.

■ Maximum 50,000/- per beneficiary for construction of low cost house / repairs.

ix) Family Loan Scheme:■ For Medical needs / Marriage / Education / Funeral / Birth / Festivals /

Religious occasions / purchase of good food grain & food stuff / Ration / Clothing.

■ Aggregate amount of loan for all purpose put together not to exceed seven times of savings of the beneficiary or 10 ,000/- per year, whichever is less.

■ Application to be submitted as a part of the Main Loan Scheme.

3.1 LOAN SCHEMES OF RM K

60

x) Working Capital Term loans:■ RMK provides hassle-free Working Capital Term Loan to the organisations

for backward and forward marketing linkages of products of women SHGs/ Individuals and group entrepreneurs including technology transfer, education, skill up gradation and infrastructure development.

■ The borrowing organisation should have availed of a minimum loan of f . 25 lakhs or above under micro-credit schemes of RMK/ SIDBI / NABARD / Commercial Banks / Other Financial Institutions. (The condition is not applicable for Govt. Organisations).

* The maximum amount of loan 3 crores, but not more than 1 crore in one State.

3.2 Eligibility Norms

i. The organization applying for loan should have broad based objectives, serving the social and economic needs of the poor women. It must not work for profit.

ii. The organization should have necessary professional competence, basic financial management capability and organizational skills to implement the lending programme.

iii. The office bearers of the organization should not be elected representatives of any political party.

iv. The organization should have proper system of maintaining accounts, which should have been audited and published every year and there should not have been any serious irregularities.

v. The organization should be registered for more than 3 years on the date of application to RMK.

vi. The organization should have experience in thrift and credit management for 3 years or more. (Six months for applying under the Loan Promotion Scheme).

vii. The application should clearly reflect the source of funds utilized earlier for credit.

viii. Recoveries for the loans given to its members earlier should be at least 90%.

ix. There should be proper and specific clause / provision in the Bye-laws / Memorandum of Association of the organization having power to borrow or raise loans from any outside agency.

x. There should be appropriate reflection in the organization’s audited accounts and balance sheet in respect of its experience in providing credit and recoveries etc. Audited accounts should reflect sound financial management / health.

6 1

4

SPECIAL C O N C E S S IO N IN NORTH-EAST REGIONIn order to remove the uneven presence of micro-credit in the country which is witnessed mostly in North-Eastern region due to poor presence of banking net-work, lack of infrastructure and awareness, RMK has formulated a concessional package for the voluntary organisations of the North-Eastern region for easy access of credit from RMK to meet the credit needs of the poor women of the region. The concessions are:

■ The organization having completed one year of its registration (previously 3 years) can apply for the loan.

* Margin on loan reduced from 10% to 5%.* The grace period on repayment of loan enhanced from 6 months to 12 months.■ The repayment period of loan enhanced to five years invariably for all schemes.■ The NGOs to be supported with 10% of the loan sanctioned as capacity building

assistance.■ To provide second class sleeper rail fare and where there is no rail link, cheaper

class to and fro Air fare to the members of NGOs (up to 2 numbers) for coming to Delhi for execution of documents.

6 2

5

OPERATIONS

5.1 SANCTIONSRMK sanctioned loans aggregating to 1,471.00 lakhs during the year 2009- 2010 to 40 Non-Governmental Organisations / Social Organisations as compared to 3,030.45 lakhs during the previous year 2008-09. The cumulative sanctioned amount as at the end of the year was 29,474.09 lakhs. During this year, 23 new organisations were linked with RMK. This has helped in expanding the out reach of RMK to some of the hitherto un-served areas and involving more organisations in spreading the outreach of micro-credit.

5.2 DISBURSEMENTSDuring the year 2009-10, RMK disbursed an amount of 1,563.03 lakhs. Previous year’s disbursements were ?. 2,647.70 lakhs. Most of the disbursements were done through a large number of small and new organisations. The cumulative disbursement as at year ending 2009-10 was 23,933 lakhs. The Scheme-wise comparative statement of sanctions and disbursements during the two years, i.e., 2008-09 and 2009-10 is given in Table - I.

TABLE - 1SCHEME WISE COMPARATIVE STATEMENT OF SANCTIONS AND

DISBURSEMENTS DURING 2008-2009 AND 2009-2010(f. in lakhs)

Sr.No.

Schem es A m ount Sanctioned A m ount D isbursed2008-2009 2009-2010 2008-2009 2009-2010

No. o f NGOs

Am ount No. o f NGOs

Am ount No. o f N GO s

A m ount No. o f NGOs

A m ount

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)1. M ain Loan

Schem e53 2034.30 40 1471.00 75 1584.90 59 1057.25

2. R evolving Fund Schem e

1 50.00

3. Loan Prom otion Schem e

10 57.75 14 35.90 7 18.28

4. H ousing Loan Schem e

1 22.50

5. G old C redit C ard Schem e

3 850.00 3 436.00 2 450.00

6. FranchiseeSchem e

1 75.00 2 505.00 1 37.50

7. RefinanceSchem e

1 13.40 1 13.40

TO TA L 68 3030.45 40.00 1471.00 97 2647.70 69 1563.03

63

6SCHEME-WISE - ACHIEVEMENTS

6.1 MAIN LOAN SCHEMELoan assistance to the eligible organisations under the Main Loan Scheme of RMK is provided for on lending to Self Help Groups/women beneficiaries both in rural and urban areas for income generation and micro-entrepreneurial activities. Maximum loan limit is ?.3 crore, but not more than ? .l crore in one state. During the year 2009-10, RMK sanctioned 40 applications involving loans aggregating to ^ 1,471.00 lakhs to benefit 15,404 women beneficiaries, against the figure of 2,034.30 lakhs sanctioned during 2008-09 benefiting 28,292 borrowers. Disbursements during the year were ? 1,057.25 lakhs as compared to ?. 1,584.90 lakhs during the previous year 2008-09. Details of sanctions and disbursements under the Main Loan Scheme are given in Table - II.

TABLE - IISTATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS UNDER

THE MAIN LOAN SCHEME & COMPOSITE LOAN SCHEME DURING THE YEARS 2008-2009 AND 2009-2010.

(?. in lakhs)Sr.No.

States No. o f NGOs No. o f B orrow ers A m ount Sanctioned A m ount D isbursed2008-2009

2009-2010

2008-2009

2009-2010

2008-2009

2009-2010

2008-2009 2009-2010

CD (2) (3) (4) (5) (6) (7) (8) (9) GO)1 A ndam an

N icobar1 667 40.00 215 20.00

2 A ndhra Pradesh 8 7 4355 2465 313.00 375.00 209.503 A ssam 4 3010 143.00 71.50 9.004 Delhi 2 1180 118.00 24.005 B ihar 1 240 60 30.006 H aryana 2 1340 115 7.507 H im achal

Pradesh1 330 60

8 Jam m u & K ashm ir

3 888 90.00 45.00

9 Jharkhand 31.00 6.0010 K arnataka 3 2 1520 650 50.00 90 92.50 42.5011 Kerala 4.0012 M adhya Pradesh 1 3 940 1371 100.00 56 25.00 103.0013 M aharashtra 1 1000 10014 M anipur 2 1 540 25.00 20 12.50 22.5015 O rissa 3 1288 60.80 92.9016 R ajasthan 4 1951 160.00 70.00 85.0017 T am il Nadu 14 15 9222 6544 719.00 596 647.50 349.0018 U ttar Pradesh 1 6 36 964 3.00 99 9.00 39.5019 U ttranchal 1 550 100.00 100.0020 W est B engal 6 1 2145 500 112.50 60 30.00 88.75

Total 53 40 28292 15404 2034.30 1471 1584.90 1057.25

64

6.2 REVOLVING FUND SCHEME

The purpose of the scheme is to promote income generation activities among the SHGs. Maximum loan limit is ?.3 crore, but not more than ? . l crore in one State. RMK has disbursed 50.00 lakhs during the previous year 2008-09. Details of State-wise disbursements are given in Table - III.

TABLE-IIISTATE WISE DETAILS OF DISBURSEMENTS UNDER

THE REVOLVING FUND SCHEME AND REVISED REVOLVING FUND SCHEME DURING THE YEARS 2008-09 AND 2009-10.

(?, in lakhs)Sr.No.

States A m ount D isbursed2008-2009 2009-2010

CO (2) (3) C4) .1 Tam il N adu 50.00 Nil

Total 50.00

6.3 LOAN PROMOTION SCHEMERMK provides loan assistance upto ?. 5.00 lakhs under the Loan Promotion Scheme to such organizations which have at least six months experience in thrift and credit management. The aim is to promote thrift and credit among newer, smaller but potentially capable organizations. During the current year no loan under this scheme was sanctioned. However in the previous year 2008-09, a sum of ?. 57.75 lakhs was sanctioned and ?. 18.28 lakhs was disbursed as against of ?.35.90 lakhs disbursed 2008- 09. State-wise details of sanctions and disbursements under the scheme are given in Table - IV.

TABLE-IVSTATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS UNDER

THE LOAN PROMOTION SCHEME DURING THE YEARS 2008-09 AND 2009-10.

. in lakhs)Sr.No

States No. o f NGOs No. o f B orrow ers A m ountSanctioned

A m ountD isbursed

2008-2009

2009-2010

2008-2009

2009-2010

2008-2009

2009-2010

2008-2009

2009-2010

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1 A runanchal Pradesh 1 100 10.00 5.002 A ssam 1 100 5.00 2.503 H aryana 1 50 5.00 2.54 M anipur 4 370 17.75 15.15 10.78

5 O rissa 1 75 5.00 3.756 Tam il Nadu 2.007 W est B engal 2 286 15.00 7.50 5.00

Total 10 981 57.75 35.90 18.28

65

6.4 HOUSING LOAN SCHEME

This scheme has been designed with a view to provide shelter to Self Help Group members through partner NGOs of RMK. The credit is given for repairs/construction of low cost houses. Maximum credit limit under the scheme is ?. 50,000/- per beneficiary for constraction/repairs of a low cost house. While no loan was sanctioned under this scheme in the current year, but in the previous year 2008-09, a sum of ?. 22.50 lakhs was disbursed to organisations. State-wise details of disbursement under the scheme is given in Table-V.

TABLE - VSTATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS

UNDER THE HOUSING LOAN SCHEME DURING THE YEARS 2008-09 AND 2009-10.

(?. in lakhs)Sr. No. States A m ount D isbursed

2008-2009

2009-2010

0 ) (2) (3) (4)1 Tam il Nadu 22.50 Nil

Total 22.50

6 6

6.5 GOLD CREDIT PASS BOOK SCHEMEThe scheme aims at an adequate and timely credit delivery from RMK to NGOs for onlending to NGOs for further on lending to SHGs for income generation and consumption needs in a flexible and cost-effective manner. NGOs are sanctioned depending upon their track record with RMK/other micro credit organizations and credit needs. Maximum credit limit of the scheme is ?. 5 crores. In the current year no loan was sanctioned but in the previous year 2008-09, a sum of ?. 850.00 lakhs was sanctioned. Disbursement during the year has been 450.00 lakhs as compared to 436.00 lakhs in the year 2008-09. State-wise details of sanction and disbursement under the scheme are given in Table-VI.

TABLE- VISTATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS

UNDER THE GOLD CREDIT PASS BOOK SCHEME DURING THE YEARS 2008-2009 AND 2009-2010.

(?. in lakhs)Sr.No.

States No. o f N G O s No. o f B orrow ers

Am ountSanctioned

A m ount D isbursed

2008-2009

2009-2010

2008-2009

2009-2010

2008-2009

2009-2010

2008-2009

2009-2010

(1) (2) (3) (4) (5) (6) (7) (B) (9) (10)

1 A ndhraPradesh

36.00

2 D elhi 1 1558 300.00 300.00

3 O rissa 1 3650 350.00 350.00

4 R ajasthan 1 1100 200.00 100.00 100.00

T o ta l3 6308 850.00 436.00 450.00

67

6.6 FRANCHISEE SCHEME

RMK appoints franchises to spread its loaning activities. Smaller NGOs of the state can avail loans directly from franchises appointed by RMK for that State without sending their proposal to RMK Office in New Delhi. Maximum credit Limit under the scheme is

5 crore During the previous year 2008-09, a sum of 75.00 lakhs was sanctioned but no loan was sanctioned in the current year. Disbursement during the year has been

37.50 lakhs as compared to disbursement of 505.00 lakhs during the previous year. State-wise details of sanctions and disbursements under the scheme are given in Table- VII.

TABLE - VIISTATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS

UNDER THE FRANCHISEE SCHEME DURING THE YEARS 2008-2009 AND 2009-2010.

(?. in lakhs)Sr.No

States No. o f N GO s No. o f B orrow ers j Amount | Sanctioned

A m ount D isbursed

2008-2009

2009-2010

2008-2009

2009-2010

2008-2009

2009-2010

2008-2009 2009-2010

(0 (2) (3) (4 ) (5) (6) (7 ) (8) (9) (10)

1 Assam 255.002 M adhya

Pradesh250.00

3 Punjab 1 500 75.00 37.50

Total 1 500 75.00 505.00 37.50

6.7 RE-FINANCING SCHEMEThis scheme was started during the year 2005-06. Under the scheme, 100% refinance is available to Urban / Rural Women Co-operative Banks on refinances provided by them to poor women either individually or through SHGs within the norms of the RMK’s Main Loan Scheme. In the current year neither any loan was sanctioned nor distribused under this scheme. However in the previous year 2008-09, a sum of 13.40 lakhs was sanctioned. 13.40 lakhs was disbursed. Details are given in Table-VIII.

TABLE - VIIISTATE WISE DETAILS OF SANCTION AND DISBURSEMENT

UNDER THE REFINANCING SCHEME DURING THE YEARS 2008-2009^9

__________________________________ (?. in lakhs)

Sr. States No. o f NGOs No. o f B orrow ers Am ount Sanctioned Am ount Disbursed

No. 2 0 0 8 - 2 0 0 9 - 2 0 0 8 - 2 0 0 9 - 2 0 0 8 - 2 0 0 9 - 2 0 0 8 - 2 0 0 9 -

2 0 0 9 2 0 1 0 2 0 0 9 2 0 1 0 2 0 0 9 2 0 1 0 2 0 0 9 2 0 1 0

( 1) (2) (3) (4) (5) (6) (7) (8) (9) ( 1 0 )

1 Assam 1 - 85 - 13 .40 - 13 .4 0 -

T ota l 1 - 85 - 13 .4 0 - 1 3 .4 0 - .

6 8

REGIONAL OUTREACH

m

The flow of credit under the various schemes of RMK has shown regional / state-wise variations. Orissa has been in the lead to avail credit facilities from RMK with loans amounting to X. 350.00 lakhs followed by Tamil Nadu ?. 349.00 lakhs, Andhra Pradesh ?. 209.50 lakhs, Rajasthan ?. 185.00 lakhs and Madhya Pradesh 103.00 lakhs. The three major states, viz. Orissa, Tamil Nadu and Andhara Pradesh together accounted for 45% of the disbursals during 2009-10. Comparative position of State- wise sanctions and disbursements is given in Table-IX.

TABLE- IXSTATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS

DURING THE YEARS 2008-2009 AND 2009-2010.(?. in lakhs)

Sr.No

States No. o fN G O s No. o f Borrow ers A m ount Sanctioned A m ount D isbursed2008-2009

2009-2010

2008-2009

2009-2010

2008-2009

2009-2010

2008-2009

2009-2010

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)1 A ndam an N icobar 1 667 40.00 20.002 A ndhra P radesh 8 7 4355 2465 313.00 215.00 411.00 209.503 A runanchal Pradesh 1 100 10.00 5.004 A ssam 6 3195 161.40 342.40 9.005 B ihar 1 240 60.00 30.006 D elhi 3 2738 418.00 324.007 H arayana 1 2 50 1340 5.00 115.00 10.008 H im achal Pradesh 1 330 60.009 Jam m u & K ashm ir 3 888 90.00 45.0010 Jharkhand 31.00 6.0011 K arnataka 3 2 1520 650 50.00 90.00 92.50 42.5012 K erala 4.0013 M adhya Pradesh 1 3 940 1371 100.00 56.00 275.00 103.0014 M aharashtra 1 1000 100.0015 M anipur 6 1 910 0 42.75 20.00 27.65 33.2816 O rissa 5 5013 415.80 96.65 350.0017 Punjab 1 500 75.00 37.5018 R ajasthan 5 3051 360.00 170.00 185.0019 T am il N adu 14 15 9222 6544 719.00 596.00 722.00 349.0020 U ttar Pradesh 1 6 36 964 3.00 99.00 9.00 39.5021 U ttranchal 1 550 100.00 100.0022 W est B engal 8 1 2431 500 127.50 60.00 37.50 93.75

Total 68 40 36166 15404 3030.45 1471.00 2647.70 1563.03

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8OTHER M AJOR ACTIVITIES

Capacity Building & Skill Development8.1 Training in Jewellery designing:10.11 A five day training programme in Jewellery designing was organized by RMK for its NGO partners and the members of the SHGs in New Delhi at RMK premises from 20.4.2009 to 24.4.2009. The programme was well received by the participants and recommended its repetition in future. There were about 20 participants from the different slums in Delhi.

8.2. Five Day Orientation Training on Micro-finance and Income Generation issues for partner NGOs of RMK

10.12 During the period under reference, 3 five day Orientation Trainings on Microfinance and Income Generation issues for partner NGOs of RMK were conducted in the NIPCCD Training Centre, first at Indore, MP from 1 1 - 1 5 May, 2009 which was attended by participants from Gujarat, Maharashtra,Orissa and Madhya Pradesh, This was followed by Exposure visit on 14 May to Women Cooperative Bank,Indore. Another programme was conducted at Bangalore from 15 -19 June, 2009 where 42 Participants from Andhra Pradesh, Tamil Nadu Karnataka and Andaman & Nicobar Islands took part. This was followed by Exposure visit to DHAWNI, Mysore on 18.6.2009. The third programme was conducted at Lucknow from 1 8 - 2 2 January, 2010 where 31 participants from UP, Rajasthan, Uttranchal and Jharkhand took part. Another programme was held at Tripura on 18th Jan 2010.

8.3 Exposure Visit on ‘Micro-Finance and Women Economic Empowerment ‘ of the rural women from Bhutan.

On behalf of the Ministry of Women and Child Development, RMK in collaboration with the Ministry of External Affairs organized an exposure visit on ‘Micro-Finance and Women Economic Empowerment for rural poor women from Bhutan from 23 June to 28 June 2009. The group visited Dehradun, Uttranchal and Kafoda, Himachal Pradesh. The exposure visit enabled the Group to share some of the best / innovative practices in the field of micro-finance and women empowerment as undertaken by RMK.

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8.4 Preparation of Micro-finance and Empowerment Road Map for RuralWomen of Bhutan.

A team of officers led by the then Executive Director, RMK visited Bhutan from 14- 21 Sept. 2009 on the invitation of Royal Government of Bhutan to prepare a micro-finance & empowerment road map for rural women of Bhutan and institutional framework

8.5 Training programme in Dairy Management at National Dairy Research Institute, Karnal.

A training programme in Dairy management for RMK NGO partners and its SHG members was organized during 2 - 5 September 2009 at the National Dairy Research Institute, Karnal. As many as 19 participants took part in the training programme.

8.6 Training in Non-conventional Energy (Solar Technology) for Rural Women:

For the first time RMK organized an innovative training programme for its selected NGOs, SHG women leaders from MP, UP and Delhi from 22 - 28 November 2009 at the Barli Development Institute for Rural Women at Indore in the use of solar technology for food products. The programme was integrated with Health, entrepreneurship development and women empowerment. The number of participants was 14. The feed back received was quite encouraging.

8.7 National Seminar on Implementation of Dowry Prohibition Act and Launch of ‘Daughters against Dowry’ - A campaign for Change in Daughters’ Perspectives’:

The Ministry of Women and Child Development organized the above Seminar on 25.11.2009 at Vigyan Bhawan, New Delhi. RMK and its NGO partners and members of SHGs not only participated actively in the seminar but also assisted Ministry in arranging logistics, etc

8.8 Dalit Women’s Congress for Peace, Equity and Progress - ‘Economic Upliftment of Dalit Women : Role and Contribution of RMK’

Conference of Dalit Women was organized by the Ministry of Women and Child Development at Gandhi Darshan, Raj ghat, New Delhi on 15.12.2009.

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RMK participated in the Conference along with its NGO partners and members o f the SHGs. The then Executive Director, RMK, chaired a breakaway session. The group made certain important recommendations, which were submitted to the Ministry for consideration.

8.9 Capacity Building and Skill development Programmes:In order to remove the uneven presence of micro-credit in the country, which is witnessed mostly in north eastern region due to poor presence of banking network, lack of Infrastructure and awareness, two Workshop Cum Strategy meet on NGOs on Micro- Finance and Women Empowerment were organized at Manipur, Arunachal Pradesh and Tripura.

S.No Name of the Programme Date & Place o f Holding(1) (2) (3)1 Enhancing A ccounting skill o f R M K financed N GO s Im pal, M anipur

on 22 - 24 A ug 20092 W orkshop cum Strategy m eet fo r N G O s on M icro-finance &

W om en Em pow erm entA izw al, A runachal Pradesh on 17-Nov-2009

3 O rientation w orkshop cum Strategy m eet for N GO s on M icro-finance and W om en Em pow erm ent

A gartala, Tripura O n 18-Jan-2010

8.10 Business cum Awareness WorkshopA workshop on Business cum Awareness creation on Micro-finance of RMK was organized at Pune, Maharashtra on 06 Aug 2009 to promote NGOs towards engage in micro-finance activities.

8 .11 Encouraging Marketing SkillsTwo programmes were organized by RMK on Encouraging Marketing skill of SHGs on 06-16 Nov 2009 and 19-Feb to 01-Mar 2010 at Delhi Hatt, New Delhi

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9SOME SUCCESS STORIES OF THE WOMEN BENEFITED

FROM RM K - SHG BENEFICIARIES THROUGH MICRO FINANCE.

9.1 Andhra PradeshMrs. Muntha Santha wife of Shri M. Samasiva Rao is a agricultural labourer and belongs to a very poor family. Due to very meager income it was very difficult for her family to live a good life. She came to know about the SHGs being formed by a local NGO called Gramasiri. She joined the SHG and got micro-credit assistance from RMK through the NGO to start a small business. She started a small vegetable vending shop. In this business she got a good profit and as such purchased a shop. The income from the vegetable shop has raised her economic status. Now she is able to give good education to her children. The micro-credit support has helped Mrs.Muntha Santha live a life of dignity, respect and self-reliance. Mrs. Muntha Santha now intends to construct a good house and lead a comfortable life.

9.2 TamilnaduTwo SHGs consisting of 26 members mostly Dalits and Backward of village Thavalaiveeranpatti of Trichirapalli District started a dairying unit after taking micro-credit from Rashtriya Mahila Kosh (RMK) through LEAD a grass root NGO. Initially the unit was started with a loan of ?.76,000/- but subsequently another loan o f ^.2.99 lakh per group helped the unit to develop. The production of the unit was raised to 200 liters of milk per day. With the increase in the output the unit has been able to improve the livelihood of all the group members.The unit has provided additional employment of 3 women worker for managing the unit, collecting milk from the members and for maintaining the accounts of the unit. The profitability of the unit is more than 25 %. Keeping in view the fast growth of the unit the women has started growing fodder grass and trees in their farms. It is said that the progress made by these women is much more than that of men in any case. This growth has encouraged the women to start a cattle feed mixing unit and artificial insemination centre. The members of the group are selling their milk through the Dairy Cooperative but they are planning to go to the market directly with a view to g

Documents

RMKrmk.nic.in/sites/default/files/ar-2009-20100001.pdf · TOTIcFfT Tif^eTT My (yT, P. M.) 3T£raT "k?FTcr MM: yM^ W R gM" M WHI ^TRcT TOR yRT M 1993 k yTkyyM yMyRR 3lfkfkyy, 1860