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    <title>SHGs – BANK LINKAGE PROGRAM</title>
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    <description>The SHG-Bank Linkage programme links informal thrift-and-credit Self Help Groups with formal banks, supported by NABARD through refinance, grants, training and ICT pilots; banks externalise parts of the credit cycle to SHGs and lend based on group corpus, while NABARD has developed selection and appraisal norms and capacity-building measures to mitigate rising delinquencies and regional NPA concentrations.</description>
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