Self Help Group and NRLM Records Name Mismatch in Uttarakhand

• The group. A small group of women from the same locality who save together and lend to one another. The mission's framework gives its size as 10 to 20 members, and as few as five in hilly areas.
• The mission. The national rural livelihoods mission, carried out in each state by a state mission. Its published answers on bank linkage name the state mission and a hill livelihoods body for this state.
• The staff. The mission works through units at the state, the district and the block. The block unit is the one a group deals with.
• The office bearers. A group chooses a few of its members, usually a president, a secretary and a treasurer, to act for it.
• The federation. Groups in a village and a cluster join in larger bodies, which have their own office bearers and accounts.

A group is not a company or a registered society. It is its members, acting together through a resolution written in its minute book. That book is the group's most important paper.

From the mission's handbook on bank linkage and the state mission's published answers.

The first row settles a common fear. The group's money is not in the president's name. A change in her name, or of the president herself, does not touch the group's ownership of its account.

Step 1: Find out which name is the trouble

The group's, a member's or a signatory's. Ask the staff or the bank what exactly was rejected.

Step 2: Collect every member's Aadhaar at a meeting

Read each against the group's register, aloud.

Step 3: Have any wrong Aadhaar corrected first

Each member at an Aadhaar centre, with her mobile number linked.

Step 4: Correct the group's own register

Write each member's name as on her Aadhaar, and record the correction in the minutes.

Step 5: Pass a resolution for whatever has to change at the bank or the mission

A new signatory, a corrected name, or the group's name.

Step 6: Give the block's mission staff the corrected list and the resolution

With copies of the Aadhaar cards, for the mission's record.

Step 7: Give the bank the resolution and the office bearers' identity papers

With photographs and the group's seal, as it asks.

Step 8: Check the passbook and the mission's record

The group's name and the signatories should read the same in both.

• The bank knows the group through its office bearers. It holds each one's identity papers, photograph and signature.
• An office bearer whose name at the bank differs from her Aadhaar has her record corrected on her identity papers, like any customer.
• Where she has taken a married surname, she gives her marriage certificate with her updated papers.
• When an office bearer changes, the group passes a resolution naming the new one. The bank is given the resolution and the new signatory's identity papers.
• The old signatory's authority should be withdrawn in the same resolution. A group with a signatory who has left the village cannot draw its own money.
• Good practice is to rotate office bearers every year or two. Each rotation is a chance to check the names.

Read name change in bank records in Uttarakhand.

A bride who joins her husband's village group is one of the commonest new entries. Enter her in the name on her Aadhaar that day. If she takes a married surname later, correct the entry then. Read name change after marriage in Uttarakhand.

Step 1: Confirm that it is a member's own change of name

A home name in the register, or a married surname, needs no Gazette.

Step 2: Fix the exact new name

The spelling that will go on Aadhaar and then on the group's records.

Step 3: Make the affidavit

State the old name, the new name, her father's or husband's name and her address. She signs before a notary.

Step 4: Publish the newspaper notice

In a daily local leading newspaper. Keep the original newspaper.

Step 5: Type the form and sign the undertaking

Two typed copies of the specimen, signed with two witnesses, and the undertaking.

Step 6: Prepare the CD, photographs and certificate

The same text on a CD in MS Word, two self-attested photographs with identity proof, and a certificate that both copies match.

Step 7: Pay the charge on BharatKosh

Commonly Rs 1,100 for an adult. It is not refunded.

Step 8: Send the file, then update Aadhaar and the group's records

Send it to the Controller of Publications, Department of Publication, Civil Lines, Delhi 110054.

That charge is many months of a member's savings. Be very sure it is a change of name she wants. See gazette name change in Uttarakhand.

A typical case we handle: a group of seven women in a village of Pauri had its fund release held because four members would not link with Aadhaar. The register had them as Guddi, Munni, Bimla and Pushpa, and their Aadhaar cards carried fuller names. Someone told the president each woman needed a Gazette. None did. The group read the Aadhaar cards at its next meeting, corrected its register, recorded it in the minutes and gave the list to the block's staff. This is an illustrative example of the type of case we handle, not a named client review.

When you do not need us

For a group, almost always. Its own resolution, the block's mission staff and the bank do everything. We are useful only where one member has changed her own name by choice and Aadhaar needs a Gazette first.

How is a member's name corrected in a self help group's record?

The block's mission staff correct it, on her Aadhaar.

In whose name is a self help group's bank account?

The group's, not any office bearer's or member's.

How are a group's bank signatories changed?

By a resolution, with the new signatory's identity papers.

Does a self help group need PAN to open an account?

The state mission's answers say it is not necessary.

How does a group change its name?

By its own resolution, given to the bank and the mission.

Is a gazette needed for a self help group name correction?

No. A resolution and Aadhaar settle it.

How many members can a self help group have under DAY-NRLM?

The RBI's master circular on the mission says women's self help groups under it have 10 to 20 members. The mission's framework allows smaller groups in hilly areas.

What is the revolving fund for a self help group?

The RBI's master circular says the mission gives a revolving fund of Rs 20,000 to Rs 30,000 per group as a corpus, to build its financial management and credit history.

What interest subvention do SHGs get?

The mission covers the difference between the bank's lending rate and 7% on loans to women's groups, for up to Rs 3 lakh per group, as the RBI's master circular sets out.

Is there an extra rebate for prompt repayment?

In identified districts, the RBI's circular says groups that repay promptly get a further 3% subvention, bringing the effective rate down to 4%.

Is a capital subsidy given to self help groups?

No. The RBI's master circular says no capital subsidy is sanctioned to any group under the mission.

Can a self help group apply for a bank loan online?

The RBI's 2024 master circular says banks may encourage groups to apply online, through the mission's system and the National Portal for Credit Linked Schemes.