Mod 9: Financial Inclusion, JEEViKA SHG Network & Digital Banking

📖 Chapter 2 of 8 🧩 Module 10 of 14 ⏱️ ~2 min read 💡 19 MCQs

Topic Part 1 of 2

Transforming the Rural Credit Landscape:

The state rural livelihoods mission, known as JEEViKA (Bihar Rural Livelihoods Promotion Society - BRLPS), continued to expand through 2024–2026 as Bihar's most potent institutional engine for grassroots poverty eradication. Over 12.33 lakh Self-Help Groups (SHGs) have been formed across all 38 districts, uniting more than 1.31 crore rural women.

Bank Linkages & Credit Saturation:

Cumulative Bank Credit: Over ₹46,900 crore has been leveraged as institutional credit by JEEViKA SHGs with an extraordinary loan recovery rate exceeding 98%, demonstrating robust creditworthiness.
Commercial Bank Deposits & Credit: Total bank deposits in Bihar reached ₹5.27 lakh crore by FY 2024-25, while commercial credit disbursements reached ₹2.97 lakh crore. The Credit-Deposit (CD) ratio climbed to 56.3%.
PM Jan Dhan Yojana Penetration: Bihar crossed 3.32 crore operative Jan Dhan accounts, with over 86% Aadhaar-seeding, facilitating direct DBT welfare fund deliveries without leakages.
Didi Ki Rasoi & Rural Retail: JEEViKA SHGs operate canteens across 38 district sadar hospitals and sub-divisional medical centers, expanding into rural solar retail and dairy collection kiosks.

Exam View: Key Takeaways for Competitive Examinations:

Total SHGs Mobilized: Over 12.33 lakh SHGs (>1.31 crore women).
Cumulative Bank Credit to SHGs: Over ₹46,900 crore.
Current Credit-Deposit (CD) Ratio: 56.3%.
Jan Dhan Bank Accounts: Over 3.32 crore accounts.
SHG Recovery Rate: Exceeds 98%.

⭐ Key Points

Total SHGs Mobilized: Over 12.33 lakh SHGs (>1.31 crore women).
Cumulative Bank Credit to SHGs: Over ₹46,900 crore.
Current Credit-Deposit (CD) Ratio: 56.3%.
Jan Dhan Bank Accounts: Over 3.32 crore accounts.
SHG Recovery Rate: Exceeds 98%.

📌 One-line Q&A

Total SHGs Mobilized: Over 12.33 lakh SHGs (>1.31 crore women).
Cumulative Bank Credit to SHGs: Over ₹46,900 crore.
Current Credit-Deposit (CD) Ratio: 56.3%.
Jan Dhan Bank Accounts: Over 3.32 crore accounts.
SHG Recovery Rate: Exceeds 98%.

Questions 19 MCQs

Answer this question, then use Next.

Approximately how many rural women are mobilized under the JEEViKA (BRLPS) self-help group network in Bihar?

JEEViKA encompasses over 1.31 crore women across more than 12.33 lakh SHGs.

What was the Credit-Deposit (CD) ratio achieved by commercial banks in Bihar in FY 2024-25?

The CD ratio reached 56.3%, continuing its steady multi-year rise.

What is the remarkable loan repayment recovery rate achieved by JEEViKA SHGs in Bihar?

JEEViKA SHGs boast a repayment rate surpassing 98%, reflecting stellar credit discipline.

How many Pradhan Mantri Jan Dhan Yojana (PMJDY) bank accounts were operational in Bihar by 2025?

Over 3.32 crore Jan Dhan accounts are opened in Bihar, facilitating direct welfare disbursements.

Which enterprise model managed by JEEViKA operates canteens across district hospitals in Bihar?

'Didi Ki Rasoi' is run by SHG women in government hospitals, providing hygienic food to patients and families.

What cumulative bank credit has been disbursed to JEEViKA self-help groups in Bihar?

Banks have disbursed over ₹46.9 thousand crore to JEEViKA SHGs.

What was the total volume of commercial bank deposits in Bihar in FY 2024-25?

Commercial bank deposits totaled ₹5.27 lakh crore in Bihar.

Which multilateral developmental bank initially funded the scale-up of Bihar's JEEViKA project?

The World Bank provided IDA soft credit financing for the Bihar Rural Livelihoods Project.

What is the primary community tier of JEEViKA organized at the village level above the SHG?

10 to 15 SHGs unite to form a Village Organization (VO) at the village level.

What is the federation formed by combining several Village Organizations at the block level called?

Village Organizations are federated into Cluster Level Federations (CLF).

What is a 'Bank Sakhi' in the context of Bihar's rural financial architecture?

Bank Sakhis operate as business correspondents providing micro-ATM and digital deposit services.

Which state dairy federation partners with JEEViKA for village milk collection routes in Bihar?

Bihar State Milk Co-operative Federation (COMFED - Sudha) works closely with women's dairy cooperatives.

What percentage of Jan Dhan accounts in Bihar are Aadhaar-seeded for direct DBT credit?

Over 86.5% of accounts are Aadhaar-seeded, ensuring seamless benefit transfers.

What is the revolving fund assistance given to newly formed SHGs to inculcate internal lending habits?

Eligible SHGs receive ₹15,000 as a Revolving Fund (RF) grant.

What is the Community Investment Fund (CIF) ceiling disbursed to Village Organizations to finance member business plans?

CIF assistance ranges from ₹1.5 lakh to ₹2.5 lakh per group to expand small livelihoods.

What is the registered society name under which JEEViKA officially functions in Bihar?

JEEViKA functions under the Bihar Rural Livelihoods Promotion Society (BRLPS), an autonomous body under the Rural Development Department.

Which digital financial network enables Bank Sakhis to process cash withdrawals using Aadhaar biometrics?

AePS allows rural citizens to withdraw cash using their Aadhaar fingerprint authentication.

Which retail store format has been rolled out by JEEViKA SHGs to market rural artisan and organic farm goods?

Dedicated JEEViKA retail stores and exhibitions market local pickles, spices, honey, and handicrafts.

What was the total volume of commercial bank credit disbursed in Bihar by FY 2024-25?

Commercial bank advances reached ₹2.97 lakh crore across retail, agriculture, and MSME sectors.

Question 1 of 19

One-liners

Write your answer, then submit to see the correct answer.

Total SHGs Mobilized: ______

Over 12.33 lakh SHGs (>1.31 crore women).

Cumulative Bank Credit to SHGs: ______

Over ₹46,900 crore.

Current Credit-Deposit (CD) Ratio: ______

56.3%.

Jan Dhan Bank Accounts: ______

Over 3.32 crore accounts.

SHG Recovery Rate: ______

Exceeds 98%.