Module: General Practice
Q152: Under the Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM), what is the limit for collateral-free loans provided to Self Help Groups (SHGs) as per the latest RBI Master Circular (2025-26)?
✅ Correct Answer: B
🎯 Quick Answer:
Up to ₹20 Lakh.Structural Breakdown: 1. Up to ₹10 Lakh: No collateral and no margin is to be charged.
2. ₹10 Lakh to ₹20 Lakh: No collateral is to be charged.
A margin not exceeding 10% may be taken on the loan amount exceeding ₹10 Lakh.
3. Guarantee Cover: The entire loan amount (up to ₹20 Lakh) is eligible for coverage under the Credit Guarantee Fund for Micro Units (CGFMU).