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TRANSCRIPT
C O N T E N T S
Introduction............................................................................................................................. 1
1. Year at Glance, Highlights.................................................................................... 2
2. Management ........................................................................................................ 3-5
3. Loan Schemes of RMK ....................................................................................... 6-7
4. Special Concessions in the North East Region .................................................... 8
5. Operations ............................................................................................................ 9
6. Scheme wise Achievements................................................................................. 10-12
7. Regional Outreach ............................................................................................... 13
8. Major Activities ................................................................................................... 14-15
9. Some Success Stories .......................................................................................... 16-17
10. Financial Working ............................................................................................... 18-37
11. Name of NGOs Financed during the year 2010-11.............................................. 38-39
Annexures :
Training Programmes- Annexure - I ....................................................................................... 40
List of Franchisees -Annexure-II ............................................................................................ 41
List of Resource Centre-Annexure-III .................................................................................... 42-43
Sl No. Particulars Page No.
INTRODUCTION
Rashtriya Mahila Kosh (RMK) or National Credit Fund for Women was established by the
Government of India in March, 1993 under the Societies Registration Act 1860 to act as an apex micro credit
organisation of the Government to give micro-loans to the poor women in the unorganised sector for their
socio-economic development. RMK follows a quasi-formal credit delivery mechanism, which is client
friendly, involves simple and minimal procedure, low transaction cost, and link thrift and savings with
credit. RMK provides micro-finance services without collateral for livelihood and income generation
activities, micro enterprises, housing etc.
2. RMK extends loans to non-government organizations (NGOs) and voluntary agencies (VAs) who on
lend to group of individual beneficiaries (SHGs) of poor women. Organizations like Women
Development Corporations, Women Cooperatives, and Women Welfare Boards/Agencies, not for
profit Companies registered u/s 25 of the Companies Act and such other agencies engaged in the
socio-economic development of women at the grass root level are also eligible for RMK loans. RMK
activities cover both rural as well as urban women of the country.
3. The RMK Model, (RMK - NGOs - SHGs Beneficiaries) has worked successfully for organizing
rural/urban poor women in groups and promoting savings and thrift habits which enable them to
access institutional credit for their socio-economic empowerment. RMK has appointed Nodal
Agencies for credit expansion and business awareness among new and smaller potential NGOs. Apart
from Nodal Agency Scheme, it operates Franchisee Scheme under which RMK extends finance to
well established micro finance organisations who in turn on lend to smaller NGOs of the State/District
as per the terms and conditions as prescribed by RMK. The micro finance of RMK through
NGOs/IMOs/SHGs is the most successful model where the recovery rate has been consistently more
than 90% for several past years.
4. A special credit package to enable the poor women in the North-Eastern Region (NER) to access credit
from RMK has been operationalised. RMK organises Awareness cum Capacity Building Programmes
to nurture the assisted intermediary micro financing organisation (IMOs) to train their field
functionaries, SHG Leaders, accounts Managers and Women Beneficiaries. Credit Persons and grass
root level beneficiaries. These capacity building programmes are organised at various regional centres
of NIPCCD situated across the country. Resource Centre Scheme (RCS) is another initiative by RMK.
Under (RCS), RMK identifies reputed Government Organizations / NGOs / Research Institutions /
Universities / Academic Institutions having adequate infrastructure to extend their services for
specific trade & vocational trainings and skill development of the SHG members / group leaders and
implementing agencies. So far RMK has approved 14 institutions as Resource Centres.
1
1.1 The year 2010-11 was the 18th year of operation of Rashtriya Mahila Kosh. In this year, 22 new Non-
Governmental Organizations joined RMK as partners. The total number of RMK members has
reached 1,464 by the end of the year.
1.2 During the year 2010-2011, credit amounting to ` 12.78 crore were sanctioned, benefiting 13,362
women beneficiaries. Out of this, an amount of ` 12.49 crore was actually disbursed. The cumulative
sanctions and disbursements at the end of the year were ̀ 30,752 lakhs and ̀ 25,182 lakhs respectively,
benefiting 6,87,512 poor women beneficiaries.
1.3 The gross income of Rashtriya Mahila Kosh during the year 2010-11 was ̀ 1318.59 lakh. There was an
excess of income over expenditure of ̀ 1047.74 lakh as compared to ̀ 955.67 lakh in the previous year.
1.4 Although the recovery rate of RMK loans has been encouraging, even then there have been some
partners NGOs who failed to pay the instalments in time. RMK has taken a policy decision to initiate
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
recover ̀ 164.92 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 Sub- Group constituted by Ministry of Women and Child Development, the
Governing Board of RMK 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) under section 617 of the Companies Act and directed RMK to
take necessary steps in this regard. For this purpose, an independent consultant was engaged to
prepare a Detailed Project Report (DPR) for presenting a road map comprising a business model for
RMK with an objective of making it a self-sustaining organization. The Consultant undertook a 'Gap
Analysis' between the current setup and the envisaged model for the RMK. Thereafter, it submitted
'High level recommendations about Restructuring' based on its study, inter alia, of microfinance
scenario, important stakeholders and players at national and international level and feedback from the
existing NGO partners of RMK. Ultimately, Detailed Project Report (DPR) submitted by the thConsultant was placed before the Governing Board (GB) of RMK in its 46 meeting held in March
2011. The GB considered the report and decided i) to make recommendation to MWCD for seeking
GOI approval to convert the Kosh from existing Society into NBFC as per the DPR; and ii) to approve
'in principle' the proposed multi-layered organizational structure, Board of Directors, Regional
Offices etc. It was also approved that the Kosh will continue to do business in the current form till the
NBFC starts functioning. It further directed that a Committee be set up under the Chairpersonship of
Additional Secretary, WCD for taking the follow up action.
2
YEAR AT A GLANCE - HIGHLIGHTS1
3
MANAGEMENT
2.1 Chairperson
Smt. Krishna Tirath, Minister of State (Independent Charge) for Women & Child
Development, continued as Chairperson of RMK during the year 2010-2011.
2.2 Executive Director
Dr.Vivek Joshi, Joint Secretary, Ministry of Women and Child Development held additional charge of
Executive Director, RMK during the current year 2010-11.
2.3 Board Meetings
The 46th meeting of the Governing Board of RMK was held on 18.3.2011.
2.4 Annual General Meeting
The XVII Annual General Meeting of RMK was convened on 18.3.2011 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 2009-10.
2.5 Loan Committee Meetings
The 72, 73 and 74 Loan Committee Meetings were held on 15.7.2010, 1.12.2010 and 12.1.2011
respectively to consider and sanction loan applications of NGOs and other eligible organisations.
2.6 Monitoring
RMK conducts regular monitoring of loans sanctioned and disbursed 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), RashtriyaGraminVikasNidhi
(RGVN) 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-Government
Organisations towards better implementation of the scheme.
2.7 Administrative Set Up
A Governing Board (GB) consists of 16 members representing various Central Ministries /
Departments, State Governments, specialists and representatives of organizations active in the field
of micro credit. The GB of RMK has been partly reconstituted during the year. 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.
Hon’ble
2
2.8 Objectives
RMK extends micro-credit 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, and all other Voluntary / Civil Society Organizations etc.
2.9 Credit – Delivery Mechanism
Credit is disbursed to the poor women SHGs both rural and urban through intermediary 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 - Partnership
The partner NGOs network in the country helps in creating awareness among the NGOs to integrate
micro finance activities into their social sector interventions. RMK organized Awareness cum
Capacity Building Programme to nurture the supporting intermediary organizations during the
current year. Training programme including exposure visits organized by RMK during the year are at
Annexure – I.
B - Supporting Intermediary Organizations
The micro finance programme of the RMK for the socio-economic upliftment of poor women through
the SHGs is most successful one in the country. A large number of 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 of micro finance RMK has launched a
Nodal Agency Scheme 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. The
4
5
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-II.
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 Centres
RMK has identified 14 reputed Government Organizations / Government Undertakings / NGOs /
Research Institutions / 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. The details of the Resource
Centres are at Annexure-III.
6
3. i) Loan Promotion Scheme: RMK provides smaller loan maximum upto ̀ 10 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 SHGs, thrift, credit and recovery
management.
ii) Main Loan Scheme: IMOs having minimum 3 years experience in thrift and credit activities are
considered for loan under the scheme to a maximum upto ̀ ` 600 Lakhs at a time.
iii) Refinance Scheme: RMK provides 100% refinance assistance to Mahila Urban Co-operative
Banks on finances provided by them to poor women either directly or through SHGs within the
norms of the RMK Main Loan Scheme.
iv) Repeat Loan: Repeat Loans is also available to the organizations, on successful utilization of
first loan and the borrowing organisation having repaid 50% of its last loan.
v) 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. RMK gives the Credit Limit upto` 500 lakh to the Franchisee who in turn extend to
smaller & potential NGOs in the State.
vi) Gold Credit Scheme: This Scheme of providing hassle free finance has been designed for
medium and large NGOs so as to revolve the fund sanctioned by RMK for 3 years. Maximum
credit limit under this scheme is ̀ 500. lakh.
vii) Housing Loan Scheme:Through its partner organizations RMK provides loans upto a
maximum`100,000/- per beneficiary to SHG members for construction of low cost house and
repairs.
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.
3 Loan Schemes of RMK
7
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.
xi. Loan limit per beneficiary ( a ) first loan – upto` 35,000/-, (b) Repeat loan(s) `.50,000/- taken
together the existing plus new loan.
8
Special Package For North-Eastern Region
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 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 net-work, lack of infrastructure and awareness, 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.
4
9
OPERATIONS
5.1 SANCTIONS
RMK sanctioned loans aggregating to ̀ 1278 lakhs during the year 2010-11 to 30 Non-Governmental
Organisations / Social Organisations as compared to ̀ 1471 lakhs during the previous year 2009-10.
The cumulative sanctioned amount at the end of the year was ̀ 30,752 lakhs. During this year, 22 new
organisations were linked with RMK. This has helped in expanding the outreach of RMK to some of
the hitherto un-served areas and involving more organisations in spreading the outreach of micro-
credit.
5.2 DISBURSEMENTS
During the year 2010-11, RMK disbursed an amount of ` 1249 lakhs. During the previous year
disbursements were ` 1,563 lakhs. Most of the disbursements were done through small and new
organisations. The cumulative disbursement at year ending 2010-11 was ̀ 25182 lakhs. The Scheme-
wise comparative statement of sanctions and disbursements during the two years, i.e., 2009-10 and
2010-11 is given in Table – I.
TABLE – I
SCHEME WISE COMPARATIVE STATEMENT OF SANCTIONS AND
DISBURSEMENTS DURING 2009-2010 AND 2010-2011
(` in lakhs)
5
Amount Sanctioned Amount Disbursed 2009-10 2010-11 2009-10 2010-11
Sr. No.
Schemes
No. of NGOs
Amount No. of NGOs
Amount No. of NGOs
Amount No. of NGOs
Amount
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) 1. Main Loan
Scheme 40 1471 27 1058 59 1057 52 992
2. Loan Promotion Scheme
- -- 2 20 7 18 3 7
3. Gold Credit Card Scheme
- - 1 200 2 450 2 250
4 Franchisee Scheme
- - - - 1 38 - -
TOTAL 40 1471 30 1278 69 1563 57 1249
10
SCHEME-WISE - ACHIEVEMENTS
6.1 MAIN LOAN SCHEME
Loan 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 ̀ 6 crore, but not more than ̀ 2 crore in one
state. During the year 2010-11, RMK considered 27 applications and sanctioned loans aggregating to ̀
1058 lakhs to benefit 9688 women beneficiaries, against ` 1471 lakhs sanctioned during 2009-10
benefiting 15404 borrowers. Disbursements during the year were ` 992 lakhs as compared to ` 1057
lakhs during the previous year 2009-10. Details of sanctions and disbursements under the Main Loan
Scheme are given in Table – II.
TABLE – II
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS UNDER
THE MAIN LOAN SCHEME & COMPOSITE LOAN SCHEME DURING THEYEARS 2009-2010 AND 2010-2011.
(` in lakhs)
6
No. of NGOs No. of Borrowers
Amount Sanctioned Amount DisbursedSr. No.
States
2009-10 2010-11 2009-10
2010-11
2009-10
2010-11 2009-10 2010-11
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10) 1
Andaman Nicobar
-
-
-
-
-
-
20
20
2
Andhra Pradesh
7
1
2465
850
215
65
210
123
3
Assam
-
-
-
-
-
-
9
451
4
Bihar
1
1
240
900
60
100
30
30
5
Haryana
2
1
1340
132
115
15
8
65
6
Himachal Pradesh
1
-
330
-
60
--
-
30
7
Jammu & Kashmir
-
-
-
-
-
-
45
10
8
Jharkhand
-
1
-
200
-
20
6
-
9
Karnataka
2
2
650
360
90
35
43
73
10
Kerala
-
1
-
460
-
50
-
25
11
Madhya Pradesh
3
4
1371
1165
56
165
103
93
12
Maharashtra
1
3
1000
290
100
58
-
-
13
Manipur
1
-
-
-
20
-
22
-
14
Nagaland
-
1
-
70
-
10
-
5
15
Orissa
-
-
-
-
-
-
-
3
16
Punjab
-
1
-
200
-
50
-
25
17
Rajasthan
-
1
-
195
-
20
85
10
18 Tamil Nadu 15 4 6544 1454 596 190 349 27819 Uttar Pradesh 6 1 964 135 99 15 40 820 Uttranchal - 2 - 845 - 150 - 7521 West Bengal 1 3 500 2432 60 115 - 75
Total 40 27 15404 9688 1471 1058 1057 992
11
6.2 LOAN PROMOTION SCHEME
RMK provides loan assistance upto ̀ 10 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 (2010-11) a sum
of ̀ 20 lakh was sanctioned. However, no loan was sanctioned under this scheme in the previous year (2009-
10). A sum of ̀ 7.5 lakhs was disbursed in the current year as against of ̀ 18.28 lakhs disbursed in the previous
year 2009-10. State-wise details of sanctions and disbursements under the scheme are given in Table – III.
TABLE – III
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS UNDER
THE LOAN PROMOTION SCHEME DURING THE YEARS 2009-10 AND 2010-11.
(` in lakhs)
Sr.
No No. of NGOs No. of Borrowers Amount Sanctioned Amount Disbursed
2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11
(3) (4) (5) (6) (7) (8) (9) (10)
-
-
-
-
-
-
-
2.5
- - - - - -
2.5
-
10.78
-
-
1
-
160
-
10
-
-
-
-
-
-
-
-
-
2.5
-
1
-
400
-
10
---
-
-
2
-
-
-
-
5
2.5
-- 4 560 - 20 18.28 7.50
States
(1) (2)
1
Assam
3
Haryana
4
Manipur
4
Maharastra
5
Orissa
6
Uttar Pradesh
7
West Bengal
Total
6.3 GOLD CREDIT SCHEME
The 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 under this scheme is ` 5 crores.
During the current year 2010-11 a sum of ` 2 crore was sanctioned. Disbursement during the year has
been ` 2.5 crore as compared to ` 4.5 crore in the year 2009-10. State-wise details of sanction and
disbursement under the scheme are given in Table-IV.
- - - - - -
TABLE – IV
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS
UNDER THE GOLD CREDIT SCHEME
DURING THE YEARS 2009-10 AND 2010-11.
(` in lakhs)
No. of NGOs No. of Borrowers Amount Sanctioned
Amount Disbursed
Sr. No.
States
2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Orissa - - -- - - - 350 50
2 Rajasthan - 1 - 3114 -- 200 100 200
Total - 1 - 3114 - 200 450 250
6.4 FRANCHISEE SCHEME
RMK appoints franchisees to spread its loaning activities. Smaller NGOs of the state can avail loans
directly from franchisee appointed by RMK from that state without sending their proposal to RMK
office in New Delhi. Maximum credit limit under the scheme is ̀ 5 crores.During the previous year
2009-10, a sum of ` 37.50 lakhs was disbursed. No loan was sanctioned and disbursed during the
current year 2010-11. State-wise details of sanctions and disbursements under the scheme are given in
Table-V.
TABLE – V
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS
UNDER THE FRANCHISEE SCHEME
DURING THE YEARS 2009-10 AND 2010-11.
(` in lakhs)
No. of NGOs No. of Borrowers Amount Sanctioned
Amount Disbursed
Sr.No.
States
2009-10 2010-11 2009-10 2010-11 2009-10 2010-11 2009-10 2010-11
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Punjab - - - - - 37.5 -
Total - - - - - - 37.5 -
-
12
REGIONAL OUTREACH
The flow of credit under the various schemes of RMK has shown regional / state-wise variations.
Tamil Nadu has been in the lead to avail credit facilities from RMK with loans amounting to ` 277.5 lakhs
followed by Rajasthan ` 210 lakhs, Andhra Pradesh `122.5 lakhs.The three major states, viz. Tamil Nadu,
Rajasthan and Andhara Pradesh together accounted for 49% of the disbursals during 2010-11. Comparative
position of State-wise sanctions and disbursements is given in Table-VI.
TABLE – VI
STATE WISE DETAILS OF SANCTIONS AND DISBURSEMENTS
DURING THE YEARS 2009-10 AND 2010-11.
(` in lakhs)
7
No. of NGOs
No. of Borrowers Amount Sanctioned Amount Disbursed2009-10
2010-11
2009-10 2010-11 2009-10 2010-11
2009-10 2010-11(3)
(4)
(5)
(6) (7)
(8)
(9)
(10)
20.00
20.00
7
1
2465
850
215.00
65.00
209.50 122.50
9.00
47.501
1
240
900
60.00
100.00
30.00
30.002
1
1340
132
115.00
15.00
10.00
65.001
330
60.00
30.00
45.00
10.00
1
200
20.00
6.00
2
2
650
360
90.00
35.00
42.50
72.50
1
460
50.00
25.003
4
1371
1165
56.00
165.00
103.00
92.50
1
4
1000
450
100.00
68.00
1
20.00
33.28
1
70
10.00
5.00
350.00
55.401
200
50.00
37.50
25.00
2
3309
220.00
185.00
210.0015
4
6544
1454
596.00
190.00
349.00
277.506
2
964
535
99.00
25.00
39.50
7.50
2
845
150.00
75.001 3 500 2432 60.00 115.00 93.75 78.75
Sr.
No.
States
(1)
(2)
1
Andaman Nicobar
2
Andhra Pradesh
3
Arunanchal Pradesh
4
Assam
5
Bihar
6
Harayana
7
Himachal Pradesh
8
Jammu & Kashmir
9
Jharkhand
10
Karnataka
11
Kerala
12
Madhya Pradesh
13
Maharashtra
14
Manipur
15
Nagaland
16
Orissa
17
Punjab
18
Rajasthan
19
Tamil Nadu
20
Uttar Pradesh
21
Uttranchal
22 West Bengal
Total 40 30 15404 13362 1471.00 1278.00 1563.03 1249.15
13
- - - - - -
- - - - - - - -
- - - - - -
- - - - - -
- - - -
- -
-
- -
- -
-
- - -
-
-
- - -
- - - - - -
- -
- -
- - -
-
-
MAJOR ACTIVITIES
Capacity Building & Skill Development
Orientation on Micro Finance and Income Generation issues
8.1 Orientation on Micro Finance and Income Generation issues at NIPCCD, Indore, MP from 10 – 14
May, 2010, at NIPCCD, Bangalore during 15-19 June 2010, at NIPCCD Guwahati Assam during
13–19 September 2010 at NIPCCD Lucknow, Uttar Pradesh, during 27-31 December 2010 and at
NIPCCD, New Delhi during 7-11 Febuary 2011 were organised. The programmes were attended by
grassroot level functionaries of partner IMOs.
8.2 Capacity Building cum Awareness Generation programme at Nowgong, District Chattarpur
(Bundelkhand) on 13 May 2010 was organised. The programme was addressed by Hon’ble Minister
of State (Independent Charge) ,Ministry of Women and Child Development , Government of India to
create awareness among the rural women of Bundelkhand region for their socio-economic upliftment
. Around 3000 rural women from the Region participated .
8.3 Holding of Awareness Programme on Socio Economic Empowerment of Women on 23 July,
2010 at Dilli Haat, Pitampura, New Delhi.
A programme in association with Central Social Welfare Board and Food and Nutrition Board of the
Ministry was organized by RMK on 23 July, 2010 at Dilli Haat, Pitampura, New Delhi for creation of
Awareness on Schemes of RMK and the Ministry about Socio Economic Empowerment of Women.
‘Awareness Exhibition’ was also held on the occasion. Hon’ble Minister of State for Women and
Child Development (I/C) inaugurated the programme. A large number of poor women and social
welfare functionaries attended the programme.
8.4. Participation of RMK in the Vatsalya Mela, 2010.
The Ministry of Women and Child Development organized ‘Vatsalya Mela’ at Dilli Haat, New Delhi
from 14.11.2010 to 19.11.2010. RMK was allotted 20 stalls for participation of its NGO partners. It
provided the women SHGs of RMK partners a platform to display and market their product and
services. The NGO partners were from various state and far off areas. A diverse range of products were
displayed and sold including state-of-the-art products like sarees, bed sheets, decorative traditional
and modern handicrafts, handloomdress materials and ready-made garments, bamboo,coir, cane,
wood and jute products, durries, beadwork, stone and metal jewellery, agarbattis, woolens and
embroidery items, leather handicraft items, food items like pickles, honey, dry fruits, household
decorative items, herbal products etc.
There was good public response. The overall sale of the products was very good. Some of the
8
14
participants got supply orders /enquiries worth several lakh. NGO participants were generally happy
with sales and orders for their products. The Mela provided an opportunity to the NGO participants to
interact with customers and fellow NGO partners which enhanced their marketing skill and business
knowledge. Overall, this has been a very useful exposure to the poor women SHGs particularly for
those coming from far off places of the country.
15
SOME SUCCESS STORIES OF THE WOMEN BENEFITTED FROM RMK – SHG BNEFICIARIES
THROUGH MICRO FINANCE.
1. MANIPUR
All Backward Classes & Economic
Development Organization (ABCEDO),
Samaram Bazar, Thoubal District of
Manipur is implementing a number of
s o c i o - e c o n o m i c d e v e l o p m e n t
programmes through Self Help Groups.
One of the remarkable achievements of
the organization is its Micro-Credit
Programme supported by RMK. The
organization has 64 Women SHGs. Some of the Groups have taken up vegetable
farming to promote their economic status. Some of the members of these SHGs took 2
Hectare of land on lease at Rs.40,000/- and planted 50 thousand number of cabbage
plants and also some seasonal vegetables. This investment of Rs.40,000/- gave them a
profit of Rs.2,39,000/-. This has encouraged them to go for agricultural inputs like
tractor and encourage other members of group to join the SHGs so that they also
become financially strong and independent.
2. ANDHRA PRADESH
Mrs. Jhansi Lakshmi wife of Shri B.
Guruvamandadi is one of the group
m e m b e r s o f B a l a j i S a n g h a m
Dasarimatam Self Help Group sponsored
by Rashtriya Seva Samiti (RASS). She
was given proper training for Mango -
Ginger Pickle making, Mango-Avakaya,
Lemon, Ginger, Ginger with Garlic,
Ginger without garlic, Onion, Red
Chillies, Bitter Guard, Amla, Pudina,
9
16
Tomato, Gongura, Gongura without garlic etc. This business is showing good results
and the women is getting good return on these products. Her profit has made her life
comfortable. Her status in society has increased. She intends to expand the business
after some improvement. Her business is attracting other women of the area to form
SHG and do some business collectively. This has possible by micro-credit assistance
from RMK through RASS
3. TAMIL NADU
This is story of village Usilampatti under
Palaapatti Panchayat of TN. It is a
drought prone village too. The people of
this village belong to Muthuraja caste
and are most backward and poor. The
village is gender biased and thus the
condition of women is pathetic.
However, the Society for Development
of Human Abilities and Environment
called OAZONE a grass root NGO partner of RMK started forming Self Help Groups
(SHGs) with a view to get rid of them of from the clutches of moneylenders. A group of
30 women was formed and given training for rope making. Rope making was their
traditional occupation. For making ropes, fibers from the leaves of a plant called Agave
are used as raw material. This plant is found in drought prone and wastelands area.
Therefore, some women started harvesting the leaves of AGAVE for making ropes.
Before joining SHGs these women use to sell their product to the middleman who in-
turn paid them less money and kept some amount as deposit with him. The condition of
these women did not improve. However, after joining the SHGs they could get micro
credit assistance from RMK through the NGO – OAZONE. With this loan they started
Producers’ Cooperative to oversee the production and marketing activities of their
product. The micro credit helped them in procuring raw material. They are now in a
position to get good return for their products and are free from the clutches of
moneylender. They have a regular income of Rs.100/- to Rs.150/- per day. The regular
income has raised their standard of living, social status and their say in the family
affairs.
17
FINANCIAL WORKING
10.1 The year 2010-11 was the 18th year of operation of the Rashtriya Mahila Kosh. Some
of the financial highlights of the Audit Report are given below:
2. The total gross income of the RMK during 2010-11 was Rs. 1318.59 lakh as compared
to Rs. 1171.91 lakh in the previous year.
3. There has been an increase in the income over expenditure of Rs. 92.07 lakh over the
previous year. Establishment expenditure was Rs. 131.15 lakh for 2010-11 as
compared to Rs. 95.44 lakh in the previous year. Administrative expenditure was Rs.
139.70 lakhs for 2010-11 as compared to Rs. 120.67 lakh in the previous year.
4. The Rashtriya Mahila Kosh has been granted exemption under section 10(23C)(iv) of
the Income Tax Act 1961 vide Notification No. DGIT(E)/10(23C)(iv)/2010 dated 4th
January, 2011 read with Notification dated 9th April, 2010 issued by Government of
India, Ministry of Finance, Department of Revenue, Director General of Income–tax
Exemptions, New Delhi for the assessment year 2006-07 onwards. In view of this, no
provision has been made for income tax payment for the financial year 2010-11.
UTILIZATION OF PROVISIONS MADE DURING THE YEAR 2010-11
5. The General Body of RMK, on the recommendations of the Governing Board approved the following appropriations out of surplus income during 2009-10:-
(Rs. In lakhs)
1. Surplus 955.67
The utilization of respective funds is as follows:-
1. Risk Fund No utilization during the year.
2. Information, Education Rs. 45.87 lakh
and Communication Fund
3. Death Relief and Rehabilitation Fund No utilization during the year.
4. Promotion and Development Fund No utilization during the year.
(SHG Development)
10
18
10.2 AUDIT
In terms of Rule 22(iv) of the Rules and Regulations of RMK, the auditors of the Kosh
are nominated by the Comptroller and Auditor General of India. M/s Suresh Malik &
Co. were appointed Auditors for auditing the accounts of the Kosh for the financial
year 2010-11. The Auditor’s Report and Balance Sheet as on 31st March 2011 along
with Income & Expenditure Account and the Receipt & Payments-Account for the
year ended on that date are annexed.
_____
19
10.3 AUDITORS’ REPORT
The Members,
Rashtriya Mahila Kosh
New Delhi – 110001
We have audited the attached Balance Sheet of RASHTRIYA MAHILA KOSH as st
on 31 March 2011 and also the Income & Expenditure Account and the Receipt &
Payments Account for the year ended on that date annexed thereto. These financial
statements are the responsibility of the Governing Board. Our responsibility is to express an
opinion on these financial statements based on our audit.
We conducted our audit in accordance with auditing standards generally accepted in
India. Those Standards require that we plan and perform the audit to obtain reasonable
assurance whether the financial statements are free of material misstatement. An audit
includes examining, on a test basis, evidence supporting the amounts and disclosures in the
financial statements. An audit also includes assessing the accounting principles used and
significant estimates made by management/Governing Board, as well as evaluating the
overall financial statement presentation. We believe that our audit provides a reasonable
basis for our opinion.
In our opinion and to the best of our information and according to the explanations
given to us, the financial statements give a true and fair view in conformity with the
accounting principles generally accepted in India:
1. Provision for Bad and Doubtful Loans: Loans to the tune of Rs.1918.41 lakhs
(1802.21 lakhs) (including Suit Filed Loan Accounts) out of total loans of Rs.6886.91
lakhs (7217.01 lakhs) are under the defaulter category and the books of account do not
show it as separately. Out of this, a sum of Rs. 1216.11 lakhs (1003.51 lakhs) is
overdue for more than three years, a sum of Rs. 171.55 lakhs (257.25 lakhs) is overdue
for more than two years but less than three years, a sum of Rs.198.99 lakhs (185.73
lakhs) is overdue for more than one year but less than two years. Similarly, a sum of
Rs.331.76 lakhs (355.72 lakhs) is overdue for less than one year.
Note: The figures indicated in brackets are for the year 2009-10.
20
Since the prudential norms regarding “Assets classification” of RBI are not applicable
to RMK, it has no method of classifying its loans as standard, sub-standard, doubtful
and loss assets. RMK is treating all loans as standard, hence, did not make any
provision for sub-standard, doubtful and loss assets and to the extent required under
RBI norms, thus, the Income and Expenditure Account does not show a true and fair
view. However, RMK has been identifying default in its loan accounts and makes
provision under its Risk Fund to the extent of loan default amount as at the end of each
financial year.
2. An amount of Rs. 9.58 lakh is pending for more than 5 years out of the total advances
to staff and various NGOs and other parties, amounting to Rs. 29.89 lakhs. Most of
these amounts are required to be adjusted/written off against expenses. RMK is
advised to make efforts to adjust/write off the same at the earliest as these are already
long pending advances.
3. An amount of Rs. 9.50 lakhs, being Grant-in-Aid NABARD and Rs. 18.10 lakhs being Grant-in-Aid–Rural sanitation, shown under the head “Current Liabilities & Provisions” is pending to be adjusted since 1999-2000. RMK is advised to make efforts to adjust/write off the same at the earliest as these are already long pending liabilities.
4. Having given effect on the income and expenditure of the Kosh as aforesaid, the financial statements read with Significant Accounting Policies and other notes, give the information required by Law in the matter so required and give a true and fair view in conformity with the accounting principles generally accepted in India:
(a) In the case of the Balance Sheet, of the state of affairs of RashtriyaMahilaKosh as at 31st March 2011.
(b) In the case of the Income and Expenditure account, of the Income for the year ended on that date and
(c) In the case of the Receipts & Payments account, of the Receipts & Payments for the year ended on that date.
FOR SURESH MALIK & CO.
CHARTERED ACCOUNTANTS
Sd/-PLACE: NEW DELHI (RAJEEV JAIN)DATED: PARTNER
MEMBERSHIP NO. 089654
21
RASHTRIYA MAHILA KOSH1, ABUL FAZAL ROAD, BENGALI MARKET, NEW DELHI-110 001
BALANCE SHEET AS AT 31.3.2011
CORPUS/CAPITAL FUND AND LIABILITIES: Schedules 31.3.2011 31.3.2010
(`) (`)
1. CORPUS FUND 1 1,000,000,000.00 1,000,000,000.00
2. RESERVES AND SURPLUS 2 814,437,547.43 714,249,842.86
3. CURRENT LIABILITIES AND PROVISIONS 3 11,612,269.15 9,344,468.02
TOTAL 1,826,049,816.58 1,723,594,310.88
ASSETS:
1. FIXED ASSETS 4 1,798,450.12 1,155,149.97
2. INVESTMENTS - OTHERS 5 980,295,498.00 834,905,520.00
3. CURRENT ASSETS, LOANS, ADVANCES ETC. 6 843,955,868.46 887,381,592.91
4. II-EAGM - 152,048.00
TOTAL 1,826,049,816.58 1,723,594,310.88
SIGNIFICANT ACCOUNTING POLICIES & NOTES ON ACCOUNTS 7
SCHEDULES 1-10 & ACCOUNTING POLICIES FORM AN INTEGRAL PART OF BALANCE SHEET & INCOME &
EXPENDITURE ACCOUNT
AS PER OUR REPORT OF EVEN DATE
SURESH MALIK & CO. ON BEHALF OF GOVERNING BOARD
CHARTERED ACCOUNTANTS
PLACE: NEW DELHI (RAJEEV JAIN) (EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
DATED: PARTNER GOVERNING BOARD)
Membership No. 089654
22
RASHTRIYA MAHILA KOSH1, ABUL FAZAL ROAD, BENGALI MARKET, NEW DELHI-110 001
INCOME AND EXPENDITURE ACCOUNT FOR THE YEAR ENDED 31.3.2011
INCOME (A) Schedules 31.3.2011 31.3.2010
(`) (`)
1. Interest earned on Term Deposits with Banks 80,745,527.13 64,567,703.14
2. Interest earned on (Loan to NGOs) 48,364,542.00 51,014,741.50
3. Interest earned on (Savings Accounts with Banks) 2,612,126.96 1,551,575.40
4. Receipt of Membership Fee 71,000.00 43,000.00
5. Miscellaneous Receipts 57,849.00 14,075.00
6. Profit on Sale of Fixed Assets 8,028.80
TOTAL (A) 131,859,073.89 117,191,095.04
EXPENDITURE (B)
1. Establishment Expenses 8 13,114,959.24 9,543,979.68
2. Administrative Expenses 9 13,970,092.68 12,067,016.37
3. Other Expenses 12,942.00
TOTAL (B) 27,085,051.92 21,623,938.05
Being excess of Income over Expenditure (A-B) 104,774,021.97 95,567,156.99
Being excess of Income over Expenditure from Previous Year
(2009-10) Income & Expenditure Accounts (C) 95,567,156.99 76,975,064.10
Transfer from ( C ) above to:-
1. Development Reserve Fund - 76,975,064.10
2. Surplus Fund 95,567,156.99 -
TOTAL (D) 95,567,156.99 76,975,064.10
BALANCE BEING SURPLUS OF CURRENT YEAR CARRIED TO
BALANCE SHEET (E) 104,774,021.97 95,567,156.99
SIGNIFICANT ACCOUNTING POLICIES &
NOTES ON ACCOUNTS 7
SCHEDULES 1-10 & ACCOUNTING POLICIES FORM AN INTEGRAL PART OF BALANCE SHEET & INCOME &EXPENDITURE ACCOUNT
AS PER OUR REPORT OF EVEN DATE
SURESH MALIK & CO. ON BEHALF OF GOVERNING BOARD
CHARTERED ACCOUNTANTS
PLACE: NEW DELHI (RAJEEV JAIN) (EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
DATED: PARTNER GOVERNING BOARD)
Membership No. 089654
23
RASHTRIYA MAHILA KOSHSCHEDULES FORMING PART OF BALANCE SHEET AS AT 31.3.2011
SCHEDULE 1 - CORPUS FUND:
(`) (`)
As per last Account 1,000,000,000.00 1,075,000,000.00
Less: Transfer during the year to Surplus Account — 235,000,000.00
(refer Schedule 2- item 6)
Balance 1,000,000,000.00 840,000,000.00
Add: Received during the year — - 1,000,000,000.00 160,000,000.00 1,000,000,000.00
TOTAL 1,000,000,000.00 1,000,000,000.00
SCHEDULE 2 - RESERVES AND SURPLUS:
1. DEATH RELIEF & REHABILITATION FUND
As per last Account 787,473.73 616,909.01
Income during the year (2010-11) 170,564.72
Less: Expenditure during the year - 787,473.73 787,473.73
2. RISK FUND
As per last Account 179,672,592.00 179,672,592.00
Income during the year (2010-11) -
Less: Expenditure during the year - 179,672,592.00 - 179,672,592.00
3. PROMOTION & DEVELOPMENT FUND
As per last Account 27,093,348.00 26,886,796.00
Income during the year (2010-11)
Add: Amount returned by NGO 502.00 206,552.00
Less: Grant given to NGOs for SHGs Promotion - 27,093,850.00 - 27,093,348.00
4. INFORMATION, EDUCATION &
COMMUNICATION FUND
As per last Account 99,154,208.04 102,209,438.04
Income during the year (2010-11) -
Less: Utilised during the year (Schedule - 10) 4,586,819.40 94,567,388.64 3,055,230.00 99,154,208.04
5. DEVELOPMENT RESERVE
As per last Account 76,975,064.10 -
Income during the year (2010-11) -
Add: Transfer during the year from Surplus (2009-10) - 76,975,064.10
Less: Expenditure during the year - 76,975,064.10 - 76,975,064.10
6. SURPLUS FUND
As per last Account 235,000,000.00 -
Transfer during the year from the Corpus Fund surplus - 235,000,000.00
(1994-2008) (refer Schedule 1- Corpus Fund)
Add: Transfer during the year
from Surplus (2009-10) 95,567,156.99 330,567,156.99 235,000,000.00
7. EXCESS OF INCOME OVER
EXPENDITURE (2010-11) 104,774,021.97 95,567,156.99
TOTAL 814,437,547.43 714,249,842.86
31.3.2011 31.3.2010
ON BEHALF OF GOVERNING BOARD
(EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
GOVERNING BOARD)
24
RASHTRIYA MAHILA KOSHSCHEDULES FORMING PART OF BALANCE SHEET AS AT 31.3.2011
SCHEDULE 3
CURRENT LIABILITES & PROVISIONS (`) (`)
( A) Current Liabilities:
a) Salary & allowances 23,959.00 309,199.00
b) Wages 16,155.00
c) Salary Consultant (Estt) 86,400.00
d) Suspense Account 3,398,745.00 151,000.00
e) Staff Welfare & Medical Expenses 59,014.00 27,598.00
f) Membership Fee Refundable 9,500.00
g) Grant-in-Aid NABARD 950,000.00 950,000.00
h) Grant-in-Aid Rural Sanitation 1,809,625.00 1,809,625.00
i) ITPO (2007) 277,613.00
j) Conveyance Expenses 89,234.00
k) Office Expenses 50,436.00
l) Professional Charges 60,500.00
m) Legal Expenses 4,000.00
n) Travelling Expenses 239,084.00
o) Stationery 14,594.00
p) Telephone Expenses 18,347.00
q) Mobile Telephone Expenses 18,060.15
r) Security & Services 128,909.00
s) Water & Electricity 49,512.00
t) Rent 794,180.00
u) Newspapers & Magazines 1,303.00
v) Monitoring & Evaluation 150,000.00
w) Workshop Expenses 898,234.00
x) Training Expenses 444,942.00
y) Nodal Agency Expenses 585,545.00
z) Vatsalya Mela 2010 236,901.00
aa) Salary IEC Consultant 45,900.00 125,471.00
bb) Bonus 36,958.00
cc) Earnest Money 100,000.00
dd) Audit Fees 65,635.00
ee) TDS Payable 17,331.00 10,304,269.15 3,749,240.00
TOTAL(A) 10,304,269.15 3,749,240.00
(B) PROVISIONS
a) Audit Fees 33,060.00
b) Gratuity (Staff) 1,308,000.00 1,308,000.00
c) Other items 5,562,168.02 5,595,228.02
TOTAL(B) 1,308,000.00 5,595,228.02
GRANT TOTAL(A+B) 11,612,269.15 9,344,468.02
31.3.2011 31.3.2010
ON BEHALF OF GOVERNING BOARD
(EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
GOVERNING BOARD)
25
26
RASHTRIYA MAHILA KOSH
SCHEDULES FORMING PART OF BALANCE SHEET AS AT 31.3.2011
SCHEDULE - 4 Fixed Assets
DESCRIPTION
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
Vehicles* 264,882.22 0 0 15,272.20 249,610.02 249,610.02
- 249,610.02 - 15,272.20
(15%)
1,463,793.28 45,940 8,490.00 0 1,518,223.28 1,198,894.86 47,262.51 - 1,246,157.37 272,065.91 264,898.42
Computers 4,015,920.00 0 1,145,211.00 12,800 5,148,331.00 3,473,492.10 661,340.04 - 4,134,832.14 1,013,498.86 542,427.90
(60%)
1,242,125.56 113,400.00 117,399.00 0 1,472,924.56 909,574.11 50,465.10 - 960,039.21 512,885.35 332,551.45
6,986,721.06 159,340.00 1,271,100.00 28,072.20 8,389,088.86 5,831,571.09 759,067.65 - 6,590,638.74 1,798,450.12 1,155,149.97
Previous Year 6,156,493.06 25,718.00 804,510.00 0 6,986,721.06 5,492,503.18 339,067.91 - 5,831,571.09 1,155,149.97
As at the
current
year -end
31.3.2011 (col.
6-10)
At the
beginning of
the year
(1.4.2010)
(cumulative)
For the year
2010-11
Cost/ valuation
as at beginning
of the year
1.4.2010
Addition during
the full year
Written
back
during
the year
Sale/Transfer
during the
year
Furniture & Fixtures
(10%)
Total of Current
Year
Office Equipments
(15%)
Cost/valuation
at the year -
end 31.3.2011
Addition
during the half
year
As at the
previous
year - end
31.3.2010
GROSS BLOCK NET BLOCKDEPRECIATION
Total upto the
year-end
(cumulative)
(Col.7+8-9)
ON BEHALF OF GOVERNING BOARD
(EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
GOVERNING BOARD)
*The vehicle was sold on 24.11.10 for Rs. 23301/-.
RASHTRIYA MAHILA KOSHSCHEDULES FORMING PART OF BALANCE SHEET AS AT 31.3.2011
NAMES OF BANKS (Rs.) (Rs.)
1. Andhra Bank 121,855,558.00 134,312,398.00
2. IDBI Bank - 110,000,000.00
3. State Bank of Bikaner & Jaipur 428,439,940.00 500,116,808.00
4. State Bank of Patiala 320,000,000.00 90,476,314.00
5. Dena Bank 110,000,000.00 -
TOTAL 980,295,498.00 834,905,520.00
31.3.2011 31.3.2010
SCHEDULE - 5 INVESTMENTS - OTHERS
(A) CURRENT ASSETS: (Rs.) (Rs.)
1. Sundry Debtors
a) Debts Outstanding for a period 5,510.00 107,510.00
exceeding six months
2. Closing Balance - Cash in hand & Banks:
a) Cash in Hand 20,004.50 18,538.50
b) Savings Bank Accounts with Banks 30,293,681.34 30,313,685.84 87,531,300.92 87,549,839.42
TOTAL (A) 30,319,195.84 87,531,300.92 87,657,349.42
31.3.2011 31.3.2010
SCHEDULE 6 - CURRENT ASSETS, LOANS & ADVANCES
(B) LOANS, ADVANCES & OTHER ASSETS (Rs.) (Rs.)
1. LOANS OUTSTANDING
a) Franchisee Scheme 45,335,816.00 62,288,082.00
b) Gold Credit Card Scheme 127,224,960.00 140,711,479.00
c) Housing Loan 2,803,580.00 5,604,577.00
d) Main Loan Scheme 455,861,925.79 444,704,177.35
e) Loan Promotion Scheme 21,678,356.00 22,587,422.80
f) Refinance Scheme 804,885.00 5,169,072.00
g) Working Capital Term Loan 4,058,917.00 5,018,466.00
h) Revolving Fund Scheme 30,922,821.00 688,691,260.79 35,617,828.43 721,701,104.58
2. Advances and other amounts recoverable in
cash or in kind or for value to be received:
a) NICSI 23,040.00 40,785.00
b) Security Deposit 951,027.40 950,640.40
c) Advances to Staff 538,095.00 677,833.00
d) Advances for organising Workshops 846,613.00 1,738,393.00
e) Nodal Agencies 585,545.00 585,545.00
f) Super Bazar 5,250.00
g) DAVP 8,344.00 174,625.00
h) Prepaid Expenses 9,461.00
i) Sub-Committee 42,624.00
j) Mohinder Singh 100.00
31.3.2011 31.3.2010
27
k) Advances for organising Training Programme 444,942.00 329,466.00
l) Advance - with Others 391,088.00 534,464.00
m) AFCL 90,000.00 90,000.00
n) IITF (2008) 2,224,933.00
o) Guild of Services 13,823.00
p) YMCA 47,270.00
q) TDS receivable 8,607,208.00 12,546,995.40 7,559,308.00 14,963,427.4
3. a) Interest accrued & due on Loans to be received 6,883,837.30 12,321,642.51
b) Interest accrued but not due on Loans 11,298,196.00
c) Interest accured but not due on investments 94,216,383.13 112,398,416.43 50,738,069.00 63,059,711.51
TOTAL (B) 813,636,672.62 799,724,243.49
TOTAL (A+B) 843,955,868.46 887,381,592.91
ON BEHALF OF GOVERNING BOARD
(EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
GOVERNING BOARD)
28
SCHEDULE – 7
RASHTRIYA MAHILA KOSH
SIGNIFICANT ACCOUNTING POLICIES AND NOTES FORMING PART OF THE ACCOUNTS 2010-11
I. SIGNIFICANT ACCOUNTING POLICIES
1. Fixed Assets
Fixed Assets are recorded at cost and depreciation has been charged on written down value basis at the rates and methods specified in the Income Tax Act, 1961.
2. Recognition of Income & Expenditure
The Kosh follows the mercantile system of accounting and recognizes interest income and expenses on accrual basis, except for interest on suit filed accounts and penal interest which is accounted for only on actual receipt by RMK.
II. NOTES ON ACCOUNTS
1. No provision is made for Death Relief & Rehabilitation Fund, Promotion and Development Fund, Information, Education & Communication Fund, Development Reserve during the year since there already exists sufficient provision on this account as at the end of the previous year.
2. A further provision of Rs. 122 lakh is required to be made in the Risk Fund from out of the surplus for the year 2010-11 to cover the default loans as at the end of the year at Rs. 1918.41 lakh.
3. (a) Balance outstanding under various loan schemes as on 31.3.2011 is reconciled in General Ledger with Loan Ledgers and are subject to confirmations from NGOs.
(b) In the opinion of the Governing Board, Current Assets, Loans and Advances (including capital advances) have a value on realization in the ordinary course of business at least equal to the amount at which they are stated in the Balance Sheet. Adequate provisions have been made in the account for all known liabilities.
(c) Claims lodged by the Kosh with NGO’s/outside parties are accounted for on realization.
29
4. Advances given to various parties are settled only after receipt of proper bills from them. The following advances are lying unadjusted as on 31.3.2011 for want of bills/receipts/refund/ confirmation.
Sl. No. Particulars Amount as on 31.3.11 (Rs.)
(i) Nodal Agencies 585545.00
(ii) Advances given for Workshops 846613.00
(iii) NICSI 23040.00
(iv) ICAR (NDRI) Karnal 33796.00
(v) YMCA 47270.00
(vi) NIPCCD 411146.00
(vii) Other Advances 391088.00
(viii) AFCL 90000.00
(ix) Guild of Services 13823.00
(x) Advances to Staff 538095.00
(xi) DAVP 8344.00
Total 2988760.00
5. Suspense Account balance Rs. 33,98,745/- represents the amount received from the NGOs with incomplete details.
6. Provision for Bad & Doubtful Loans: RMK is not making provision on bad & doubtful loans since earlier years. However, RMK makes provision under its Risk Fund, to the extent of the loan default amount at the end of each financial year. (refer Note 2 above).
7. RMK has been blacklisting and filing court cases against defaulter NGOs for recovery of loans.
8. No provision for Income Tax has been made in the account since the Kosh was granted exemption u/s 10(23C)(iv) of the Income Tax Act 1961 vide Notification No. DGIT(E)/10(23C)(iv)/2010 dated 4th January, 2011 read with Notification dated 9th April, 2010 issued by Government of India, Ministry of Finance, Department of Revenue, Director General of Income–tax Exemptions, New Delhi for the assessment year 2006-07 onwards.
9. Claims against Kosh not acknowledged as debts-NIL.
30
10. Accounting for Government Grants:
During 1997-98, NABARD sanctioned Rs. 21.50 lakhs to RMK for Promotion, Stabilization & Development of SHGs through identified NGOs in north-eastern states. An amount of Rs. 15 lakhs has been received from NABARD (Rs. 5.50 lakhs on 26.10.1999 & Rs.9.50 lakhs on 21.9.2000) as reimbursement of the amount sanctioned to various new NGOs under SHGs Development Scheme.
11. RMK executed the job as was required under the scheme but the NABARD pointed out certain deficiencies in respect of payment of Rs. 9.50 lakhs. However, the scheme was over and there has been no further response or enquiry from the NABARD to this end. In the circumstances the amount of Rs. 9.50 lakhs is being shown as liability under the head Current Liabilities & Provision in Balance Sheet.
12. Grants relating to revenue expenditure are adjusted against the related expenses, as and when received.
13. Events after balance Sheet Date:- NIL
14. No other disclosures are applicable/required to be made as prescribed by ICAI, except those disclosed in the financial statement along with schedules and notes on accounts.
15. Previous year figures are regrouped/rearranged wherever necessary.
ON BEHALF OF GOVERNING BOARD
(EXECUTIVE DIRECTOR) (AUTHORISED MEMBEROF GOVERNING BOARD)
PLACE: NEW DELHI DATED:
31
(`) (`)
a) Salaries and Wages
(i) Salary & Allowances 9,673,143.24
(ii) Salary Consultants 1,268,900.00
(iii) EPF contribution of Employer & Charges 408,113.00
(iv) Wages 370,837.00
(v) Honorarium 24,200.00 11,745,193.24 8,223,881.08
b) Bonus 74,242.00 37,578.00
c) Staff Welfare & Medical Expenses
(i) Staff Welfare 218,323.00
(ii) Children Education Allowance 214,970.00
(iii) LTC Expenses 10,681.00
(iv) Medical Expenses 152,659.00
(v) Uniform & Liveries 8,547.00 605,180.00 500,625.00
d) Provision for Gratuity 690,344.00 781,895.60
TOTAL 13,114,959.24 9,543,979.68
31.3.2011 31.3.2010
SCHEDULE 8 - ESTABLISHMENT EXPENSES
ON BEHALF OF GOVERNING BOARD
(EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
GOVERNING BOARD)
RASHTRIYA MAHILA KOSHSCHEDULES FORMING PART OF BALANCE SHEET AS AT 31.3.2011
32
(`) (`)
1. Audit Fee 98,710.00 51,257.00
2. Bank Charges 81,201.00 110,010.00
3. Books and Periodicals 5,626.00 22,038.00
4. Newspapers & Magazines 11,850.00
5. Conveyance Charges 1,303,691.00 1,375,138.00
6. Honorarium 177,236.00
7. Insurance Charges -5,662.00 1,036.00
8. Legal & Professional Charges 296,048.00 949,941.00
9. Professional Charges 427,113.00
10. Meetings Expenses 257,536.00 217,568.00
11. Membership Fees payment 13,236.00 14,236.00
12. Misc. Expenditure 36,266.00 -5,949.00
13. Monitoring & Evaluation Charges 173,380.00
14. Office Expenses 391,642.00 189,484.00
15. Postage Expenses 110,323.00 103,996.00
16. Pubicity Expenses 33,072.00
17. Rent 4,534,780.00 4,411,700.00
18. Repairs & Maintenance Charges 227,237.00 146,376.00
19. Security and Service Charges 1,439,919.00 901,601.00
20. Stationery Expenses 262,031.00 242,254.00
21. Telephone Expenses 355,733.03 417,173.46
22. Rent (Commission Charges) 17,000.00
23. Transport Charges 8,000.00
24. Travelling Expenses 1,979,940.00 1,205,639.00
25. Subscription receiable for earlier year written off 209,000.00
26. Vehicles Running Expenses/Maintenance 5,900.00 51,409.00
27. Water & Electricity 268,618.00 278,240.00
28. Consultancy Fee Payment -Restructuring of RMK 1,536,400.00
29. Depreciation 759,067.65 339,067.91
TOTAL 13,970,092.68 12,067,016.37
31.3.2011 31.3.2010
RASHTRIYA MAHILA KOSH SCHEDULES FORMING PART OF INCOME & EXPENDITURE
FOR THE YEAR ENDED 31.3.2011
SCHEDULE 9-ADMINISTRATIVE EXPENSES
ON BEHALF OF GOVERNING BOARD
(EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
GOVERNING BOARD)
33
(`) (`)
1. Nodal Agency Expenses 70,000.00 141,500.00
2. Printing Expenses 167,073.00 142,403.00
3. Training Expenses 1,085,855.00 584,374.00
4. Consultancy Fee - IEC Consultants 507,712.00 1,336,565.00
5. Workshop Expenses 2,655,549.00 805,425.00
6. Travelling Exp. (IEC) -107,880.00 2,466.00
7. Seminar Violance Against Women 14,776.00
8. All India Meet on Welfare of DW&C 27,721.00
9. International Women's Day 30,452.00 -
10. Advertisement and Publicity 66,876.00
11. Delli Hatt Mela March,2011 111,182.40 -
TOTAL 4,586,819.40 3,055,230.00
31.3.2011 31.3.2010
RASHTRIYA MAHILA KOSH SCHEDULES FORMING PART OF INCOME & EXPENDITURE
FOR THE YEAR ENDED 31.3.2011
SCHEDULED - 10 INFORMATION, EDUCATION AND COMMUNICATION FUND
AS PER OUR REPORT OF EVEN DATE
SURESH MALIK & CO. ON BEHALF OF GOVERNING BOARD
CHARTERED ACCOUNTANTS
PLACE: NEW DELHI (RAJEEV JAIN) (EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
DATED: PARTNER GOVERNING BOARD)
Membership No. 089654
34
35
RECEIPTS Schedule No. (`) (`)
1. Opening Balance with BanksIn Savings Bank Accounta) Cash-in-hand 18,538.50b) Savings Bank Accounts with Banks
i) State Bank of India 39456038.89 ii) Canara Bank 47879722.93iii) Canara Bank -II EAGM 191279.00 87,527,040.82
c) Term Deposits with Bank 834,905,520.00 922,451,099.32 682,979,145.702. Interest received 11 83,287,954.27 95,328,940.873. Loan received 12 157,924,843.79 172,289,043.504. Promotion & Development Fund 502.00 206,552.005. Miscellaneous Receipts 57,789.00 17,141.006. RTI Receipts 60.007. Membership Fees received 71,000.00 43,000.008. Grant for IITF 2008 2,224,933.00 2,030.009. Corpus Fund - 160,000,000.0010. Earnest Money Deposit 100,000.0011. Refund of Security Deposit of Mobile Phone 10,000.0012. Suspence Receipts 3,247,745.0013. Grant for Vatsalaya Mela 2010 263,600.0014. Reimbursement of International Women Day,
2010 Exp. 15,000.0015. Sale of fixed assets 36,101.00
TOTAL 1,169,690,627.38 1,110,865,853.07
31.3.2011 31.3.2010
RASHTRIYA MAHILA KOSH1, ABUL FAZAL ROAD, BENGALI MARKET, NEW DELHI-110 001
RECEIPT AND PAYMENTS ACCOUNT FOR THE YEAR ENDED 31.3.2011
PAYMENTS Schedule No. (Rs.) (Rs.)
1. Loan disbursed 13 124,915,000.00 156,302,500.002. Establishment Expenses 14 12,556,747.26 10,617,290.683. Fixed Assets 15 1,430,440.00 830,228.004. Advances 641,264.00 4,838,076.405. Security deposits 302,500.006. Information, Education & Communication Fund 16 5,851,393.40 2,975,097.007. Administrative Expenses 17 13,384,098.88 10,842,629.678. IITF 2007` 2,008,932.009. Closing Balance with Banks a) Cash in Hand 20,004.50
b) Savings Bank Accounts with Banks i) State Bank of India 20192956.30ii) Canara Bank 10085752.34iii) Canara Bank -II EAGM 13477.00 iv) SBI (FCRA) 1495.70 30,293,681.34
c) Term Deposits with Bank 980,295,498.00 1,010,609,183.84 922,451,099.32TOTAL 1,169,690,627.38 1,110,865,853.07
31.3.2011 31.3.2010
AS PER OUR REPORT OF EVEN DATE
SURESH MALIK & CO. ON BEHALF OF GOVERNING BOARD
CHARTERED ACCOUNTANTS
PLACE: NEW DELHI (RAJEEV JAIN) (EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OF
DATED: PARTNER GOVERNING BOARD)
Membership No. 089654
36
SCHEDULE - 11 INTEREST RECEIVED (`) (`)
1. Interest on Savings Bank Accounts 2,612,126.96 1,551,575.40
2. Interest on Loans 43,408,614.31 51,014,741.50
3. Interest on Term Deposits with Bank 37,267,213.00 42,762,623.97
TOTAL 83,287,954.27 95,328,940.87
31.3.2011 31.3.2010
RASHTRIYA MAHILA KOSHSCHEDULES FORMING PART OF RECEIPT & PAYMENT
ACCOUNT FOR THE YEAR ENDED 31.3.2011
SCHEDULE - 12 LOAN (RECEIPT) (`) (`)
1. Main Loan Scheme 88,007,251.56 103,197,964.00
2. Gold Credit Card Scheme 38,486,519.00 13,993,252.00
3. Refinance Scheme 4,364,187.00 4,580,928.00
4. Housing Loan 2,800,997.00 4,083,671.00
5. Revolving Fund Scheme 4,695,007.43 25,508,643.00
6. Loan Promotion Scheme 1,659,066.80 3,646,122.50
7. Franchisee Scheme 16,952,266.00 14,927,028.00
8. Working Capital 959,549.00 2,351,435.00
TOTAL 157,924,843.79 172,289,043.50
31.3.2011 31.3.2010
SCHEDULE - 13 LOAN PAYMENTS (DISBURSED) (`) (`)
1. Main Loan Scheme 99,165,000.00 105,725,000.00
2. Gold Credit Card Scheme 25,000,000.00 45,000,000.00
3. Franchisee Scheme - 3,750,000.00
4. Loan Promotion Scheme 750,000.00 1,827,500.00
TOTAL 124,915,000.00 156,302,500.00
31.3.2011 31.3.2010
SCHEDULE - 14 ESTABLISHMENT EXPENSES (`) (`)
1. Salary and Wages
(a) Salary and Allowances 9,966,883.26
(b) Salary Consultants 1,172,900.00
(c) EPF Conribution of Employer and EPF Charges 408,113.00
(d) Wages 381,610.00
(e) Honorarium 15,700.00 11,945,206.26 10,108,330.68
2. Bonus 37,284.00 37,578.00
3. Staff Welfare & Medical Expenses
(a) Staff Welfare 211,283.00
(b) Medical Expenses 158,101.00
(c) LTC Expenses 15,989.00
(d) Liveries & Uniforms 9,014.00
(e) Children Education Allowance 179,870.00 574,257.00 471,382.00
TOTAL 12,556,747.26 10,617,290.68
31.3.2011 31.3.2010
SCHEDULE - 15 FIXED ASSETS PURCHASE (EXPENSES) (`) (`)
1. Office Equipment 54,430.00 30,318.00
2. Furniture & Fixture 230,799.00 32,277.00
3. Computers 1,145,211.00 767,633.00
TOTAL 1,430,440.00 830,228.00
31.3.2011 31.3.2010
37
SCHEDULED - 16 INFORMATION, EDUCATION AND 31.3.2011 (`) 31.3.2010 (`)
COMMUNICATION FUND (EXPENSES)
1. Nodal Agency Expenses 157,500.00 54,000.00
2. Printing Expenses 202,913.00 106,563.00
3. Training Expenses 970,379.00 584,672.00
4. Consultancy Fee - IEC 582,183.00 1,311,094.00
5. Workshop Expenses 3,174,128.00 873,805.00
6. Travelling Exp. (IEC) 169,924.00 2,466.00
7. Seminar Violance Against Women - 14,776.00
8. All India Meet on Welfare of DW&C - 27,721.009. International Women's Day 30,452.00 -10. Delli Hatt Mela March,2011 111,182.40 -11. Advertisement and Publicity 241,501.00
12. 2nd EAGM 184,532.00
13. Vatsalya Mela November,2010-Delli Hatt 26,699.00 -
TOTAL 5,851,393.40 2,975,097.00
RASHTRIYA MAHILA KOSHSCHEDULES FORMING PART OF RECEIPT & PAYMENT
ACCOUNT FOR THE YEAR ENDED 31.3.2011
SCHEDULE - 17 ADMINISTRATIVE EXPENSES 31.3.2011 (`) 31.3.2010 (`)
1. Audit Fee 66,135.00 51,257.002. Bank Charges 81,201.00 110,010.003. Meetings Expenses 330,439.00 169,665.004. Books, Periodicals and Newspapers 16,173.00 27,567.005. Conveyance Expenses 1,392,925.00 1,433,613.006. Honorarium 19,200.00 171,036.007. Insurance Charges 3,799.00 1,036.008. Legal & Professional Charges 231,648.00 949,941.009. Professional charges 491,516.0010. Membership Fee Expenses 13,236.00 14,236.0011. Misc. Expenses 158,801.00 2,351.0012. Monitoring & Evaluation Charges 0.00 315,024.0013. Office Expenses 354,769.00 176,846.0014. Postage 113,402.00 100,917.0015. Publicity Expenses 33,072.0016. Rent 4,733,300.00 3,419,000.0017. Repairs & Maintenance 235,027.00 158,476.0018. SAARC Meeting 0.00 12,942.0019. Security and Services 1,401,857.00 874,327.0020. Stationery Expenses 251,063.00 238,628.0021. Telephone Expenses 350,310.88 423,465.6722. Travelling Expenses (including Foreign Travel) 1,795,175.00 1,345,854.0023. Transport Charges 0.00 8,000.0024. Rent (Commission charges) 0.00 17,000.0025. Vehicle Running & Maintenance Expenses 5,900.00 53,720.0026. Water & Electricity Expenses 260,266.00 276,202.0027. Consultancy Fee - Restructuring RMK 1,536,400.00
TOTAL 13,384,098.88 10,842,629.67
AS PER OUR REPORT OF EVEN DATE
SURESH MALIK & CO. ON BEHALF OF GOVERNING BOARDCHARTERED ACCOUNTANTS
PLACE: NEW DELHI (RAJEEV JAIN) (EXECUTIVE DIRECTOR) (AUTHORISED MEMBER OFDATED: PARTNER GOVERNING BOARD)
Membership No. 089654
38
S.No. Name of the NGO’s
Andhra Pradesh
1 Sree Madhava Vidya Peetham
Bihar
2 National Institute for Rural Development, Education, Social Upliftment and
Health
Haryana
3 Eco Club
Jharkhand
4 Bhartiya Jan Jagriti Seva Trust
Karnataka
5 Agricultural Development and Rural Educational Society
6 Association for Community & Rural Education for Social Action &
Transformation
Kerala
7 Hope Foundation
Madhya Pradesh
8 Amar Jagriti Mahila Samiti
9 Bal MahilaVikas Samiti, MP
10 Pratigya Samanvit Vikas Sakh Sahakarita Maryadit
11 Vishwa Chetana Commune
NAME OF NGO’S FINANCED DURING THE YEAR 2010-2011
11
39
Maharashtra
12 Jeevan Jyot Pratishthan
13 Mauli Mahila Gramin Bigarsheti Sahkari Patsanstha Maryadit
14 Venkatesh Bahuddeshiya Shikshan Prasarak Mandal
15 Yuva GrameenVikas Sanstha
Nagaland
16 Yungli Multi Purpose Society
Punjab
17 Bisnouli Sarvodaya Gramodyog Sewa Sansthan
Rajasthan
18 Humana People to People India
19 Mata Shree Gomti Devi Jan Seva Nidhi
Tamil Nadu
20 Kalaimagal Kalvi Sangam
21 Madhar Nala Thondu Niruvanam (MNTN)
22 Nanayasurabhi Development Financial Services
23 New World
Uttar Pradesh
24 Janhit Foundation
25 MaaChandika Devi GramodyogSansthan
Uttranchal
26 Pahal
27 UshamathMahila Self Reliant Mahasangh Ltd.
West Bengal
28 Badkulla Luna Silk Khadi Society
29 Kalighat Society for Development Facilitation
30 SebaRahara
ANNEXURE - I
Workshop, Training, Exposure Visit and Seminars in Rashtriya Mahila Kosh (RMK) from April 2010 till 31.3.2011.
RMK 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 and Skill Development Programme to nurture the supporting
intermediary organization as per details below, during the year 2010-11
1. RMK organised One day marketing cum exhibition i.e. celebrating empowerment bazar at Hotel
Ashok, New Delhi in collaboration with ‘Guild for Services’ in April 2010.
2. A five day Orientation Programme on Micro Finance and Income Generation issues at NIPCCD,
Indore, MP from 10 – 14 May, 2010.
3. One day Capacity Building cum Awareness Generation programme at Nowgong, District
Chattarpur, MP on 13 May 2010.
4. Participated with NGO partners in a Four Day Awareness Generation Campaign for uplifting lives of
rural women especially youth through exhibition cum seminar at Munsiyari, District Pithoragarh,
Uttrakhand from 15 – 18 June, 2010.
5. A five day orientation programme on Micro Finance and Income Generation issues at NIPCCD,
Bangalore from 28 June to 2 July, 2010.
6. At the instance of Ministry of Women and Child Development, Government of India, organized a
One Day awareness programme on ‘Socio-economic empowerment of women’ at DilliHaat,
Pitampura on 23.7.2010. This was organized in collaboration with Central Social Welfare Board and
Food and Nutrition Board..
7. Orientation on Micro-finance and Income Generation issues at NIPCCD, Guwahati, Assam from
13–19 September, 2010.
8. With a view to encourage marketing activities, the Ministry of Women and Child Development
asked RMK to arrange marketing of SHG products of its partner NGOs from 12 to 24 November,
2010 at Dilli Haat, INA colony New Delhi.
9. Participation by RMK and its NGO partners at Vatsalya Mela organized by the Ministry of Women
and Child Development for ‘socio-economic empowerment of women’ and marketing cum
exhibition for SHG members at Dilli Haat from 14.11.2010 to 19.11.2010.
10. A five day orientation programme on Micro-finance & Income Generation issues at NIPCCD New
Delhi from 7 –11 February 2011.
11. A five day orientation programme on Micro-finance & Income Generation issues at NIPCCD
Lucknow from 27 – 31 December, 2010.
40
ANNEXURE - II
List of Franchisees:
Name of the organization State
Rashtriya Gramin Vikas Nidhi (RGVN) Assam
MP State Cooperative Dairy Federation,
Dugdha Bhawan, Dugdha Marg,
Habibganj, Bhopal MP
Punjab State Cooperative Handloom Federation Ltd.
SCO – 2945 – 46, Sector, 22 –C,
WEAVCO, Chandigarh Punjab
41
ANNEXURE - III
List of Resource Centres
S. No. Name of the Resource Centre Training Facilities available
1. Indian Agricultural Research Centre, Pusa, New Delhi-
The institute provides various types of vocational training as per requirement relating to farm sector.
2. Central Avian Research Institute, Institute, Izatnagar, UP .
The institute provides training in Poultry
3. Central Institute for Goats, Makhdoom, POFARAH – 281122, Mathura,
The institute is equipped with necessary infras t ructure for vocat ional , ski l l development /upgrading, technology transfer, micro enterprise development training for goat rearing..
4. Central Institute of Agricultural Engineering,Nabi Bagh, Berasia Road, Bhopal – 462038, MP
Vocational training on i) Improved tools and equipment suitable for farm women, ii) Soya-products preparations for entrepreneurship development, iii) Agro – processing activities for income generation, iv) Improved energy gadgets for rural domestic use, v) Modern farming practices and vi) Composite training involving one or more than one component out of the above are offered.
5. Central Institute for Fisheries Research Technology, Willingdon Island, Cochin, Kerala
Vocational training in Fisheries
6. Central Plantation Crops Research Research Institute, Kasaragod, Kerala
Training in preparation of coconut chips, snowball tender nuts, Vermi composting, production of mushroom using coconut wastes etc.
7. Indian Institute for Pulses Research, Kanpur, UP
On-hand training to women SHGs on processing of pulses and seed production.
8. Indian Institute of Horticultural Research, Bangalore
Training on i) Mushroom cultivation, ii) Entrepreneur-ship development through processing of horticultural products, iii) Raising quality seedlings of horticultural crops and iv) Production of bio-fertilizers and bio-pesticides.
42
S. No. Name of the Resource Centre Training Facilities available
9. Indian Institute of Spices Research, Marikunnu, Calicut, Kerala
Training on a) Goat production and management, b) Broiler Calf management, c) Dairy management, d) Backyard poultry rearing, e) Rabitary, f) Mushroom production, g)Agricultural nursery management, h) Vermicompost production, i) Plant propagation techniques, j) Azolla cultivation, k) Apiculture, l) Medicinal Plant cultivation and m) Fabric painting and card making.
10. Indian Institute of Vegetable Research, Post Bag No.01, PO Jakhani (Shahanshapur) Varanasi – 221 305, UP
Advanced technology training in vegetable crops and post harvest management and value addition in vegetable.
11. Krishi Vigyan Kendra & Dairy Training Research Institute, National Dairy ResearchInstitute, ICAR, Karnal - 132001
Training on Dairy production and processing.
12. National Institutes of Fashion Technology,NIFT Campus HauzKhas, New Gulmohar Park, New Delhi
Training on (i.) Dress making for fashion designing (ii.) Embroidery (iii.) Weaving (iv.) Handicrafts (v.) Jewelry designing (vi.) Footwear designing.
14. Barli Development Institute for Rural Women, 180 – Bhamori, New Dewas Road, Indore-452010
Training in the field of Non-Conventional energy integrated with Health and Women - Empowerment.
13. State Institute of Rural DevelopmentGS Road, Khanapara, Guwahati, Assam
Training on (i.) Skill development and (ii) Capacity building
43