(a) the number as well as percentage of students who availed education loans from Bharatiya
Mahila Bank (BMB) along with total loan amount sanctioned and disbursed during the current
year, State-wise including Tamilnadu;
(b) the present rate of interest being charged by BMB on education loan in the country;
(c) whether instances of BMB charging lower interest rate from girl students in comparison
to male students have come to the notice of the Government;
(d) if so, the details thereof and the reasons therefor along with the steps taken by the
Government to remove this disparity; and
(e) whether the BMB has any proposal to grant loans to women self help groups in the country
and if so, the details thereof ?
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ANSWER
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THE MINISTER OF FINANCE (SHRI P. CHIDAMBARAM)
(a)to (e): A Statement is laid on the Table of the House
Statement referred to in reply to parts (a) to (e) of Lok Sabha Starred Question No. 413
for answer on 21st February, 2014 tabled by Shri Manicka Tagore regarding ‘Bhartiya Mahila
Bank’.
(a) Bhartiya Mahila Bank (BMB) opened on 19th November, 2013 has so far sanctioned 3
numbers of education loans for a total amount of Rs 29.19 lakh i.e. one each in Delhi NCR,
Madhya Pradesh & Maharashtra out of which the education loan in Maharashtra amounting to
Rs 10.24 lakh has been disbursed.
(b)to (d) The present rate of interest being charged by BMB on education loan in the country
is as under:
Amount #Interest Rate Charged P.A.
Upto 4.00 Lac 12.50%
Above 4.00 lac and upto 7.50 lac 13.00%
Above 7.50 Lac 12.75%
#1% concession given to female students.
Girl students are given a concession of 1% by BMB in terms of its guidelines to encourage education among girls students.
(e) Yes, BMB has three proposals to grant loans to Women Self Help Groups in the country.
These are (i) Financing to SHG in Maharashtra through (a) Kalanjiam Development Financial
Services (KDFS) to benefit 48750 women; and (b) Mahila Aarthik Vikash Mahamandal (MAVIM)
that would benefit 400 women; and (ii) Financing to Self Help Group(SHG)/Joint Liability
Group (JLG) in Lucknow, U.P. through Bhartiya Micro Credit (BMC) would be benefitting 3000 women.
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