Guidelines of loan repayment provided by SHG’s in their training to their members

The loan amount will be distributed among members based on the Micro Credit Plan (MCP) prepared by the SHGs. The loans may be used by members for meeting social needs, high cost debt swapping, construction or repair of house, construction of toilets and taking up sustainable livelihoods by the individual members within the SHGs or to finance any viable common activity started by the SHGs.

 In order to facilitate use of loans for augmenting livelihoods of SHG members, it is advised that at least 50% of loans above ₹ 2 lakhs and 75% of loans above ₹ 4 lakhs be used primarily for income generating productive purposes. Micro Credit Plan (MCP) prepared by SHGs would form the basis for determining the purpose and usage of loans.

 Repayment schedule could be as follows:

The First year/ first dose of loan will be repaid in 12-18 months in monthly/ quarterly instalments.

The Second year/ Second dose of loan will be repaid in 18-24 months in monthly/ quarterly instalments.

The Third year/ Third dose of loan will be repaid in 24-36 months in monthly/ quarterly instalments.

The loan from Fourth year/ Fourth dose onwards has to be repaid between 3-6 years based on the cash flow in monthly/ quarterly installments.

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