Product Codes for SHG Bank Linkage Public Sector Banks

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Product Codes for SHG Bank Linkage

Public Sector Banks

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The Ministry of Rural Development, Government of India launched a new programme

known as National Rural Livelihoods Mission (NRLM) by restructuring and replacing the

Swarnjayanti Gram Swarozgar Yojana (SGSY) scheme with effect from April 01, 2013.

NRLM is the flagship program of Govt. of India for promoting poverty reduction through

building strong institutions of the poor, particularly women, and enabling these

institutions to access a range of financial services and livelihoods services.

SHG-bank linkage is one of the critical aspects of NRLM. For this, NRLM has been relying

on the data provided by NABARD’s status of Microfinance Report, for determining the

number of SHGs in the country, the bank linkage of the SHGs, and the same is used for the

target setting and devising future actions of the NRLM in the area of Financial Inclusion.

However, it is felt that the information is not complete, is delayed and that there is a need

for NRLM to have a dynamic database to make decisions in view of the accurate and most

recent data on SHG-Bank linkage.

Also, Government of India has announced Interest Subvention Scheme for the women

SHGs wherein the regular SHGs would be incentivized in terms of Interest Subvention so

that they can avail the credit at 7% rate of Interest. This further demands a dynamic

database wherein the monthly transactions of the SHGs are captured to disburse the

benefits under the scheme to the eligible SHGs in a transparent manner.

In view of the above, NRLM has developed a SHG-bank linkage portal. Banks are sharing

SHG Bank-Linkage transaction data directly from CBS with the NRLM in a specified format,

at monthly intervals. NRLM is using the information shared by the banks to generate

various reports. The reports are placed in the portal (www.nrlmbl.aajeevika.gov.in). There

are broadly three types of reports – 1) SHG Bank-Linkage achievement, 2) Loan

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Outstanding & Delinquency report and 3) Report on eligibility for Interest subvention. Each

report can be drill down up to SHG level.

However, it has been observed that there are variations in the figures reported by

banks to respective SLBC. One of the reason attributed to this discrepancy is improper

coding of the SHG at branch level.

 RBI has also issued an advisory to all the Public Sector Banks on the January 2, 2014

on this issue. A copy is annexure herewith.

At the 17th CLCC meeting (Central Level Coordination Committee) held on November

27, 2015, it has been decided to compile “Loan Product Codes” for Women Self Help Group

for all the Public Sector Banks and circulate it to all branches.

In this regard, NRLM has compiled the “Loan Product Codes” for SHGs given by Public

Sector Banks. This booklet is a compilation of the codes for SHGs by all Public Sector Banks.

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5

TABLE OF CONTENTS

1. Allahabad Bank ........................................................................................................................... 6

2. Andhra Bank ............................................................................................................................... 7

3. Bank of Baroda ........................................................................................................................... 8

4. Bank of India .............................................................................................................................. 9

5. Bank of Maharashtra ................................................................................................................. 10

6. Canara Bank .............................................................................................................................. 11

7. Central Bank of India ................................................................................................................. 12

8. Corporation Bank ....................................................................................................................... 13

9. Dena Bank ................................................................................................................................. 14

10. IDBI ........................................................................................................................................ 15

11. Indian Bank ............................................................................................................................ 16

12. Indian Overseas Bank ............................................................................................................. 17

13. Oriental Bank of Commerce .................................................................................................... 18

14. Punjab and Sind Bank ............................................................................................................. 19

15. Punjab National Bank ............................................................................................................. 20

16. State Bank of Bikaner and Jaipur ............................................................................................ 21

17. State Bank of Hyderabad ........................................................................................................ 22

18. State Bank of India ................................................................................................................. 23

19. State Bank of Mysore ............................................................................................................. 24

20. State Bank of Patiala .............................................................................................................. 25

21. State Bank of Travancore ........................................................................................................ 26

22. Syndicate Bank ....................................................................................................................... 27

23. UCO Bank ............................................................................................................................... 28

24. Union Bank of India ................................................................................................................ 29

25. United Bank of India ............................................................................................................... 30

26. Vijaya Bank ............................................................................................................................ 31

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1. ALLAHABAD BANK

Customer Codes:

 Customer Type : 0217

 CIS org Code : 44 for SHG-Male members

 CIS org Code : 45 for SHG-female members

 Scheme Code : 3011 NRLM accounts, 2043 other SHGs

Loan codes:

 For 150 most backward districts including IAP districts :(These codes are to be used

only by branches situated in 150 districts mentioned in the list)

1) Term Loan – 6033/3282- Rural TL - SHG-NRLM(3L) 150 Dist up to 3 lakh 7% fixed

2) Term Loan – 6033/3283- Rural TL - SHG-NRLM (>3L)150 Dist above 3 lakh Base Rate

+1%

3) Cash Credit - 6031/1155- Rural CC-SHG-NRLM (3L) 150 Dist up to 3 Lakh 7% Fixed

4) Cash Credit - 6031/1156- Rural CC-SHG-NRLM (>3L) 150 Dist above 3 lakh Base

Rate+1%

 For category II districts (other remaining districts in the country):

1) Term Loan – 6033/3278 - Rural TL - SHG-NRLM (Agri)

2) Term Loan – 6033/3279 - Rural TL - SHG-NRLM (ISB)

3) Cash Credit - 6031/1151- Rural CC - SHG-NRLM (Agri)

4) Cash Credit - 6031/1152- Rural CC - SHG-NRLM (ISB)

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2. ANDHRA BANK

Term Loans/Cash

Credit

Sanction Limit

Interest Table code

Term Loans

Up to 3.00 lakhs

SHL7U

Term Loans

Above 3.00 lakhs

SHL7A

Cash Credits

Up to 3.00 lakhs

SHC7U

Cash Credits

Above 3.00 lakhs

SHC7A

Customer Type in the Customer ID:

 GL code 54191,

 GL Code 54411,

 GL Code 54301

 GL Code 54302

Customer Type

Description

SHGRM

SHG – Rural- Male

SHGRF

SHG – Rural - Female

SHGRX

SHG – Rural - Mixed

SHGUM

SHG – Urban- Male

SHGUF

SHG – Urban - Female

SHGUX

SHG – Urban - Mixed

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3. BANK OF BARODA

SHGs codes

Description of the code

SHGMA

- SHG MEN

SHGOT

- SHG OTHER

SHGWE

- SHG WOMEN EMPOWERMENT PROGRAMS

SHGWO

- SHG WOMEN

56500

- SELF HELP GROUPS (SHGS) THROUGH MFIS – WOMEN

56600

- SELF HELP GROUPS (SHGS) THROUGH MFIS - OTHERS

56601

- SELF HELP GROUPS (SHGS) THROUGH MFIS - MEN

56700

- OTHER MFIS NOT ENGAGED IN PROMOTION OF SHGS

NGOSM

- NGO - SHG MEN

NGOSW

- NGO - SHG WOMEN

NGOOT

- NGO - SHG OTHER (MIX)

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4. BANK OF INDIA

SHG codes are appearing in two menu options and system will identify the NRLM

compliant WSHG accounts on these codes.

Menu option: A) CUMM: Organisation code: Please select the proper

code from the dropdown list. Following codes are

available.

Code

Short

Description

Full

Description

Code

Short

Description

Full Description

61

SHG – D-

Women

SHG- Direct -

Women

65

SHG – MFI-

Women

SHG- Through MFIs -

Women

62

SHG – D-

Others

SHG- Direct -

Men

66

SHG – MFI-

Others

SHG- Through MFIs -

Others

63

SHG – NGO-

Women

SHG- NGOs -

Women

69

SHG - Others

Other MFIs not

engaged in promotion

of SHGs

64

SHG – NGO-

Others

SHG- NGOs -

Others

70

SHG – Mixed

Menu option: B) ACM:

(a) Option “0”: Location code (District code): Please select the code

applicable for your district.

(b) Option “V”: Free code 3: Please select ‘154’ (SHG-NRLM) for

NRLM complied WSHGs.

Validation chart for NRLM compliant WSHGs is as under:

Head of MIS (‘V’ option) field

Code

Description of Code

Borrower Category

76

Advance to SHGs

Purpose of Advance

67201

SHGs/MFIs activities

Industry Type

0

Not Applicable

Free Code

154

SHG - NRLM

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5. BANK OF MAHARASHTRA

 Scheme Code for NRLM – 00101

 Loan Codes:

 For CC

Act

Type

Cat

Name

CGL

6122

1324

CC-NRLM AGRI SING SHG

223105

6162

7325

CC – NRLM OTH PRI SING SHG

223108

 For Term Loans

Act

Type

Cat

Name

CGL

6222

1240

ATL – NRLM MTH REP SING SHG

224201

6222

1241

ATL – NRLM QTY REP SING SHG

224201

6222

1242

ATL – NRLM HLF REP SING SHG

224201

6222

1243

ATL – NRLM YRL REP SING SHG

224201

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6. CANARA BANK

a. 737-Loan to SHG- General

b. 801-AH=AgriL SHG- Monthly Instalments

c. 851-AgriL SHG- Other than monthly instalments

d. 228-NRLM SHG OD

e. 764-NRLM AJEEVIKA GENERAL

f. 789-NRLM AJEEVIKA GENERAL

g. 6280 1134 T/L SHG SHG- OCC

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7. CENTRAL BANK OF INDIA

1) NRLM

2) 6282 5042 T/L SHG NRLM AGRI

3) 6180 1029 C/C SHG NRLM

4) 6182 1017 C/C SHG NRLM AGRI

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8. CORPORATION BANK

A. SHG : Term Loan Account

B. SHGCC : cash credit

C. SHGNT : Term loan account under NRLM

D. HGNC : Cash credit under NRLM

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9. DENA BANK

National Rural Livelihood Mission (NRLM):

Scheme Code

Scheme

Description

Sector

CCA30

CC-NRLM

Cash Credit – Agriculture activities

LNA29

TL-NRLM

Term Loan – Agriculture activities

CCO19

CC-NRLM

Cash Credit – Other Priority Sector activities

LNO38

TL-NRLM

Term Loan - Other Priority Sector activities

Swarnajayanti Gram Swarozgar Yojana (SGSY):

Scheme Code

LNA-21 – Term Loan for agriculture activities

LNA-22 – Term Loan

LNO21 – Term Loan for other priority sector activities

LNO-22 – Term Loan for other priority sector activities

National Urban Livelihood Mission (NULM):

Scheme

Code

Scheme

Description

Sector

CCO-20

CC-OPS

Cash Credit - Other Priority Sector activities

LNO-44

TL-OPS

Term Loan - Other Priority Sector activities

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10. IDBI

For identifying Self Help Groups, Under NRLM, Bank use a combination of Customer

Constitution Codes (61-66) and Government Sponsored Scheme Identifier code

(NRLM). Description of Customer Constitution codes are as:

a) Self-Help Groups (SHGs)- Direct - Women 61

b) Self-Help Groups (SHGs)- Direct - Others 62

c) Self-Help Groups (SHGs)- Through NGOs - Women 63

d) Self-Help Groups (SHGs)- Through NGOs - Others 64

e) Self-Help Groups (SHGs)- Through MFIs - Women 65

f) Self-Help Groups (SHGs)- Through MFIs - Others 66

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11. INDIAN BANK

 Loan Product Codes:

5901

0001

SELF HELP GROUP - AGRI

5901

0002

SHG – NON AGRI

5901

0009

ALLIED-SELF HELP GRP-AGRI

5901

0010

SHG-AGRI-3L-SUBVN-7%

5901

0011

SHG – ALLIED AGRI -3L-SUV-7%

5901

0012

SHG-NON AGRI-3L-SUBVN-7%

 Cash Credit Product Codes:

5903

0021

SHG AGRI UPTO 3 LAC

5903

0022

SHG AGRI ABOVE 3 LACS

5903

0023

SHG ALLIED AGRI UPTO 3 LAC

5903

0024

SHG ALLIED AGRI ABOVE 3 LACS

5903

0025

SHG NON-AGRI UPTO 3 LAC

5903

0026

SHG NON-AGRI ABOVE 3 LACS

5903

0033

SHG-AGRI-3L-SUBVN-7%

5903

0034

SHG-ALLIED AGRI-3L-SUB-7%

5903

0035

SHG-NON AGRI-3L-SUBVN-7%

 Kudumbashree Product Codes for Kerala :

5901

0005

KUDUMBASHREE – JLG-AGRI

5901

0006

KUDUMBASHREE – NHG-NON AGRI

5901

0007

KUDUMBASHREE – NHG-AGRI

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12. INDIAN OVERSEAS BANK

 021703-Mixed SHGs - X

 021704-Male SHGs – M

 021705-Women SHGs-W

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13. ORIENTAL BANK OF COMMERCE

h. Circular No:

i. Circular Date:

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14. PUNJAB AND SIND BANK

Constitution Code: - Constitution Code-037 (All SHG)

Organization Code:-

a. Organization Code -61 (SHG Direct Women)

b. Organization Code -62 (SHG others)

c. Organization Code -63 (Women SHG through NGO)

d. Organization Code -64 ( Others SHG through NGO)

Scheme Code:-

a. Scheme Code-1135 (SHG for Agriculture)

b. Scheme Code-1157 (Finance to Micro Fin. Inst. for lending to SHG)

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15. PUNJAB NATIONAL BANK

For Customer Information:

In CUMM (Customer Master Maintenance)

ITEM

CODE

DESCRIPTION

Customer constitution

016

Self Help Group

Status

007

Self Help Group

GENDER

F OR M

For Loan and Advances

V DETAIL (Borrower detail)

ITEM

CODE

DESCRIPTION

Borrower type

SHGPS

Self Help Group

Free Code-7

NRLM

In women SHG only

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16. STATE BANK OF BIKANER AND JAIPUR

EXISTING

PRODUCT

PRODUCT FOR EXISTING SHGs ACCOUNTS

6231

8301

BR ATL SHG AGRI WOMEN

6237

8301

BR ATL SHG AGRI-Ind WOMEN

6217

8301

BR TL SHG-SSI –Indr WOMEN

6221

8301

BRTL Self Help Group SBF WOMEN

6211

8301

BRTL Self Help Group SSI WOMEN

6134

8301

BRACC Self Help Group WOMEN

6124

8301

BRCC Self Help Group (SBF) WOMEN

6114

8301

BRCC Self Help Group (SSI) WOMEN

6227

8301

BRTL Self Help Group SBF Ind WOMEN

6114

6009

BRCC SWAROJGARCRD SHG SSI WOMEN

6124

6009

BRCC SWAROJCRD SHG SBF WOMEN

6134

6009

BRACC SWAROJCRD SHG WOMEN

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17. STATE BANK OF HYDERABAD

Facility

Product

Product Description

Segment

Sub

Group

OD

60348301

BR-OVERDRAFT-SHG(AGR)

AGR

CC

61108301

CC Self Help Group (SSI)

SSI

CC

61148301

BR-CC Self Help Group (SSI)

SSI

CC

61208301

CC Self Help Group (SBF)

SBF

CC

61348301

BR-CASH CREDIT SHG(AGR)

AGR

TL

62108301

TL Self Help Group SSI

SSI

TL

62118301

BR-TL Self Help Group SSI

SSI

TL

62168301

TL Self Help Grp-SSI-Indr

SSI

TL

62178301

BR-TL SHG-SSI-Indr

SSI

TL

62208301

TL Self Help Group SBF

SBF

TL

62218301

BR-TL Self Help Group SBF

SBF

TL

62268301

TL Self Help Grp-SBF-Indr

SBF

TL

62278301

BR-TLSelf Help GrpSBF-IND

SBF

TL

62308301

ATL Self Help Group AGRI

AGR

TL

62318301

BR- ATL SELFHELPGROUP AGR

AGR

TL

62368301

ATL Self Help Grp AGR-Ind

AGR

TL

62378301

BR-ATL SHG AGR-IND

AGR

TL

62502701

HTL GRUHINI SCHEME-SHG

PER

HL

TL

62512701

BR-HTL GRUHINI SCHEME-SHG

PER

HL

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18. STATE BANK OF INDIA

 Scheme Code – 09097 (NRLM compliant Accounts)

 Customer Type Code – 021705 (Women SHG)

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19. STATE BANK OF MYSORE

Sl.

No

Production Description

Product

Code

Sl.

No

Production Description

Product

Code

1

CASH CREDIT

BR-CC Self Help Group

(SSI)

6114-8301

1

TERM LOAN

BR-TL Self Help Group

(SSI)

6211-8301

2

BR-CC Self Help Group

(SBF)

6124-8301

2

BR-TL Self Help Group

(SBF)

6221-8301

3

BR-ACC-SHG-AGR-DIRECT

6134-8301

3

BR-ATL-Self Help Group

AGR

6231-8301

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20. STATE BANK OF PATIALA

(NON-SGSY/GENERAL /NABARD SCHEME SHGs)

SCHEME

Product Code

ATL (SHG) DIRECT

6231-8301

ATL (SHG) INDIRECT

6237-8301

ACC (SHG)

6134-8301

SHG CREDIT CARD

6134-6501

SGSY (SHG’s)

SCHEME

Product Code

ACC

6134-7801

ATL

6231-7801

NRLM (WSHG’s)

SCHEME

Product Code

WSHG-CCSSI 7%

6114-7811

,WSHG-CCSBF 7%

6124-7811

WSHG-ACC 7%

6134-7811

WSHG TLSSI 7%

6211-7811

WSHG-TLSBF 7%

6221-7811

WSHG-ATL 7%

6231-7811

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21. STATE BANK OF TRAVANCORE

Loan Product Codes:-

1. Br ATL KSHREE INT SUB LIN :62365203

2. ATL NRLM Aajevika Spl Rate SHG :62376003

3. ACC NRLM Aajevika Spl Rate SHG :61348302

4. Br ATL SHG INDIRECT :62375301

5. Br ATL Self Help Group AG :62318301

6. Br ATL SHG Agri :62374901

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22. SYNDICATE BANK

(1) Non-farm loan-Secured Cash Credit-SHG :137

(2) Non-farm loan – Clean Cash Credit-SHG :138

(3) Farm loan – Cash Credit –SHG :139

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23. UCO BANK

SCHEME CODE

SCHEME NAME

C114A

UCO Mahila Utthan

C114B

CC-NRLM-SHG<=3lacs

C114C

CC-NRLM-SHG>3Lacs

CC114

CC-SHG (GENERAL)

LA894

TL-NRLM-SHG<3 Lacs

LA895

TL-NRLM-SHG>3Lacs

LA876

SGSY (group)

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24. UNION BANK OF INDIA

SHG Type

Customer Type Code

SHG – Direct - Women

61

SHG – through NGO - Women

63

SHG – through MFIs - Women

65

SHG – through MFIs - Others

66

For NRLM- Free Code 4 - 123

And also Account Label has been created - NRLMSHG

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25. UNITED BANK OF INDIA

 Scheme codes: CCSHG, LASHG, CCSJG and LASGY

 Customer type:

a. 161 for SHG-Women

b. 162 for SHG others

c. 163 for SHG-Women through NGO

d. 164 for SHG others through NGO

e. 165 for SHG-Women through MFI

f. 166 for SHG-Women through MFI

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26. VIJAYA BANK

Customer constitution code is ‘SHG’ for all the SHG loan accounts. Apart from that,

scheme codes have been opened for NRLM SHG accounts.

S.No