YSR Asara Scheme: నేడు ఖాతాల్లోకి నగదు జమ.రాష్ట్ర వ్యాప్తంగా అర్హులైన మహిళకు ఎంత సొమ్ము వస్తుందో *వారి పేరుతో తెలుసుకోండి

YSR Asara Scheme: నేడు ఖాతాల్లోకి నగదు జమ.

రాష్ట్ర వ్యాప్తంగా అర్హులైన మహిళకు ఎంత సొమ్ము వస్తుందో వారి పేరుతో తెలుసుకోండి

AP Panchayat Raj and Rural Development(PR&RD) introduced a new Scheme called as "YSR AASARA" under Navaratnalu. The main objective of the scheme is to provide financial assistance to rural and urban poor women in Self-Help Groups who availed bank loans for financial needs, reimbursement of entire bank outstanding amount as on 11.04.2019 in four installments from the financial year 2020-21 through respective welfare corporations.This will create access to enhanced livelihood opportunities, income generation and wealth creation at the household level, on a sustainable basis leading to better standards of living of poor SHG members both in rural and urban areas III. . Detailed guidelines for implementation of the YSR AASARA Scheme are given here. So go through the entire article.
Guidelines on loans to self-help groups have been issued under the YSR Aasara Scheme for the financial year 2020-21. The government is ready to repay the bank linkage loans in 4 installments.
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YSR Aasara Scheme Beneficiary List

YSR AASARA Scheme-Financial Assistance to poor women in SHG Groups-Guidelines

2019 ఏప్రిల్‌ 11వ తేదీ నాటికి పొదుపు సంఘాలకు బ్యాంకులో ఉన్న అప్పు మొత్తాన్ని ఆసరా పథకం ద్వారా ఈ ఆర్థిక ఏడాది నుంచి నాలుగు విడతల్లో సంబంధిత సంఘం సేవింగ్స్‌ ఖాతాలో జమ చేస్తారు. సంఘాల ఖాతాల్లో నగదు జమ అయిన తర్వాత ఆ సంఘంలోని మహిళల వ్యక్తిగత బ్యాంకు ఖాతాలో నగదు జమ చేయడంతో పాటు సంఘం మినిట్స్‌ బుక్‌లోనూ, మహిళల వ్యక్తిగత బ్యాంకు పాస్‌ బుక్‌లలోనూ ఆ వివరాలను తప్పనిసరిగా నమోదు చేయాలి. 2019 ఏప్రిల్‌ 11 నాటికి ఏదైనా సంఘాన్ని బ్యాంకు ఎన్‌పీఏగా గుర్తించి ఉంటే అలాంటి సంఘాలకు ఈ పథకం వర్తించదు.

రాష్ట్రవ్యాప్తంగా వైఎస్సార్‌ ఆసరా ద్వారా లబ్ధి పొందుతున్న మహిళల ప్రాథమిక జాబితాలను ఈనెల 25న అన్ని గ్రామ, వార్డు సచివాలయాల్లో ఉంచనున్నారు. ఈ నెల 28న స్థానికంగా సోషల్‌ ఆడిట్‌ నిర్వహించి.. 29న లబ్ధిదారుల జాబితాలు గ్రామ, వార్డు సచివాలయాలతో పాటు సెర్ప్, మెప్మా వెబ్‌సైట్లలో ఉంచుతారు. అర్హత ఉండీ ఆ జాబితాలో పేరు లేని వారి నుంచి ఫిర్యాదుల స్వీకరణకు సెర్ప్, మెప్మాలు జిల్లా స్థాయిలో ప్రత్యేక గ్రీవెన్స్‌ సెల్‌ ఏర్పాటు చేయాలని ప్రభుత్వం ఆదేశించింది. స్పందన కాల్‌ సెంటర్, సెర్ప్, మెప్మా ప్రధాన కార్యాలయాల్లోనూ ఫిర్యాదులు స్వీకరిస్తారు. సెప్టెంబర్‌ 11న వైఎస్సార్‌ ఆసరా పథకాన్ని లాంఛనంగా ప్రారంభించనున్నారు. బ్యాంకర్ల కమిటీ ప్రాథమిక నివేదిక ప్రకారం 9,33,180 పొదుపు సంఘాల పేరిట రూ. 27,168 కోట్ల మేర రుణాలు ఉన్నాయి.

GUIDELINES FOR IMPLEMENTATION OF “YSR AASARA” SCHEME:

I. Title of the Scheme:
The scheme is named as “YSR AASARA”.
II. Objective of the Scheme.
The objective of the scheme is to reimburse the entire bank outstanding loan amount as on 11.04.2019 directly to the Groups Savings accounts of the SHG women in four instalments
from financial year 2020-21 through the respective welfare Corporations. This will create access to enhanced livelihood opportunities, income generation and wealth creation at the household level, on a sustainable basis leading to better standards of living of poor SHG members both in rural and urban areas.
III. Eligibility Criteria:
Women SHGs which have availed bank finance under SHG BANK LINKAGE SCHEME from Scheduled Commercial Banks, Regional Rural Banks and Cooperative Banks having bank loan
outstanding balance as on 11.04.2019 in the state of Andhra Pradesh are eligible under this Scheme.
IV. Operational Guidelines:
A. For SHGs:

a. To implement the “YSR AASARA” scheme SERP & MEPMA have to obtain SHG wise Bank Loan outstanding details as on 11.04.2019 from all banks operating in the state of Andhra Pradesh through SLBC of AP.
b. This data should be mapped with Savings Bank account number of the Self Help Groups existing in the database of SERP & MEPMA (both Rural and Urban areas).
c. The details of the SHGs not mapped with database were made available to the field staff with a request to furnish SHG ID in the column provided after proper validation.
d. SHG wise pre-populated “YSR AASARA” certificate will be generated with the existing database of SERP & MEPMA.
e. Community Coordinators (CC) / Community Organisers (CO) along with Village Organisations (VO) / Slum Level Federation (SLF) members will approach the concerned bank branches and obtain the loan outstanding confirmation as on 11.04.2019.
f. Branch Managers can make necessary corrections in the pre- populated “YSR AASARA” certificates based on the information available in their branch office records wherever required.
g. On receipt of the certification from banks, SHG should convene a meeting with all the SHG members and inform the loan outstanding details to them and obtain confirmation from the groupson the bank certificate about the correctness of the loan outstanding as on 11.04.2019.
h. The outstanding loan balance certified by the branch manager and confirmed by Self Help Groups shall be uploaded in the SERP and MEPMA websites.
i. The responsibility was fixed to Assistant Project Managers (APMs) & Area Coordinators (AC) to ensure correctness of the loan amount outstanding as on 11.04.2019 and other details mentioned in the certificate which was uploaded in the website in rural areas and Community Organisers (COs) in urban areas.
j. The correctness of the certificate should be verified by the Area Coordinator of SERP/ Project Directors (PD) DRDA / MEPMA and accord approval for crystallization/freezing the loan outstanding balance amount as on 11.04.2019 for implementation of the scheme.

B. For Members:

a. After finalizing the bank loan outstanding amount as on 11.04.2019 based on the Bank certification and SHG confirmation, CC has to obtain member wise loan outstanding details from the SHGs also need to collect caste and sub caste details of respective SHG members along with Aadhar number and individual Savings Bank account details of member.
b. CC/CO has to enter all the SHG member loan outstanding details as on 11.04.2019, caste and sub caste details, SHG members Aadhar details.
c. APM / TMC has to verify the same and approve.
d. The Project Director shall verify the SHG members list, approve the same and forward to SERP / MEPMA for onward submission to respective corporations for sanction of amount.
e. Approved final SHG members list shall be displayed in the Village/ Ward secretariat VO/SLF.
f. It shall also be noted that eligibility criteria and method of applying for the scheme shall be published in the Village/Ward secretariat VO/SLF to facilitate any SHG/SHG member who fulfils the eligible criteria to enroll in case her name is missing in the list.

V. SHG Loan amount outstanding balance ineligible under the Scheme

a. The Bank loan outstanding against any SHG which was classified as Non Performing Assets (NPA) by the financial institution as on 11.04.2019 is not eligible as the groups would have disintegrated long ago itself.
b. Loan accounts closed on or before 11.04.2019 and loans availed after 11.04.2019 are not eligible, as the Scheme is applicable to loan amount outstanding as on 11.04.2019.

VI. Grievances Redressal Mechanism

a. The aggrieved SHG can give representation to APM, Area Coordinator, Project Director DRDA/PO ITDA at the respective districts in rural areas.
b. Urban SHGs can give representation to Community Organizer, City Mission Manager, Project Director, MEPMA at the respective Town/Cities.
c. Grievances shall also be accepted at Spandana call centre, Collectorate of the respective districts, SERP Head Office Vijayawada and MEPMA Head Office Guntur.
d. The Nodal officer for addressing the grievances is Project Director DRDA/Project Officer, ITDA/Project Director MEPMA at district level.
e. All complaints received at all levels shall be forwarded to PD DRDA/PO ITDA/PD MEPMA as the case may be for redressal.
f. If any Grievance is unresolved at district level of PD DRDA/PO ITDA/PD MEPMA should recommend/forward the grievance to SERP/MEPMA State Office to resolve the issue.
g. After redressal of the complaint at state level, the same may be informed to PD DRDA/PO ITDA /PD MEPMA as the case may be and they should intimate the result to the complainant.

VII. Other Criteria

a. SHG member can utilize this amount for any purpose of her choice without any restrictions.
b. Banks should not withhold the amount released under “YSR AASARA” scheme in the SHG Member SB account for any reason.
c. Banks should not adjust amount released under “YSR AASARA” scheme to the loan account of the group/individual loan outstanding of the members / loan outstanding of the family members.
d. The amount credited in SHG member SB account under “YSR AASARA” Scheme should be recorded in the minutes book of the SHG and individual pass books.

VIII. Public Information:

a. The SERP/MEPMA shall place the list of all eligible SHGs under “YSR AASARA” scheme in their respective websites
b. A copy of the same shall be displayed at the Village Secretariat in rural areas and Municipal office or ward office in the municipal areas.
c. Wide publicity should be given on implementation of the scheme through Village Volunteers in rural areas & Ward Volunteers in urban areas.
d. Field staff of SERP/MEPMA should create awareness among SHGs /SHG members on the guidelines and implementation of the scheme.
e. The SERP/MEPMA should be give extensive publicity in close coordination with the I&PR department and intensive campaign to disseminate the scheme guidelines