SHG List Assam: Check Your Name at nrlm.gov.in

📖What the Assam SHG List Is

ASRLM was formally constituted to implement the NRLM across all 35 districts of Assam, covering both the rural plains districts and the hill districts. The mission's work involves identifying poor rural households, mobilising women into SHGs, training them on group management and financial literacy, linking them to bank accounts, and connecting them to government welfare schemes and livelihood support.

The NRLM portal at nrlm.gov.in serves as the public-facing database of all SHGs registered under the programme. Every SHG that is formally constituted and registered by an ASRLM Community Resource Person or Block Programme Manager gets its details entered into the NRLM MIS, which is then visible to the public through the SHG list reports section on the portal.

The SHG list on nrlm.gov.in is the single most authoritative source for confirming whether your group is officially enrolled and eligible for government scheme benefits. The list displays the group's name, SHG ID, date of formation, gram panchayat, block, district, member names, savings account details, and grading level, with the grading level determining how much bank credit the group can access.

ASRLM organises SHGs into graded tiers based on maturity and financial discipline, with new groups starting in the 'Panchasutra' stage that covers regular meetings, savings, lending, record-keeping, and repayment before graduating to higher grades. Well-graded SHGs qualify for larger bank loans and have accessed revolving funds and Community Investment Funds provided by ASRLM under the NRLM framework.

💰The Three MMUA Phases

The Assam government runs the Mukhyamantri Mahila Udyamita Abhiyan (MMUA) as a state-funded complement to the central NRLM framework. MMUA provides financial assistance in three progressive phases to active members of ASRLM-registered SHGs, with the goal of helping each beneficiary build a sustainable income-generating activity over three years and eventually reach an annual income of Rs 1 lakh.

Under MMUA Phase 1, the government provides Rs 10,000 as direct seed capital transferred to the SHG member's Aadhaar-linked bank account through DBT, with no repayment required. This amount is intended to help the beneficiary start or formalise an income-generating activity such as tailoring, poultry rearing, goat rearing, petty trade, vegetable cultivation, or handicraft production.

In Phase 2, a financial assistance package of Rs 25,000 is released to beneficiaries who have productively used the Phase 1 seed capital and whose business activity is showing measurable progress. Of this Rs 25,000, half (Rs 12,500) is a government grant that does not need to be repaid, while the remaining Rs 12,500 is a subsidised loan amount that must be returned to the bank.

Phase 3 provides a further Rs 50,000 for business expansion to beneficiaries who have productively used the Phase 2 amount, subject to field verification by ASRLM staff confirming the income activity is growing towards the Rs 1 lakh annual target. A beneficiary who successfully completes all three phases receives a total of up to Rs 85,000 in financial support from MMUA across three years.

🏦What the Rs 25,000 Phase 2 Includes

The Assam government allocated Rs 3,038 crore in the state budget for FY 2025-26 to implement MMUA at scale, with direct disbursements beginning from April 1, 2025. By the time the budget was presented, application forms had already been distributed to nearly 40 lakh women across all 35 districts through the ASRLM SHG network.

To be eligible for MMUA, the applicant must be an active and current member of an SHG registered with ASRLM, must have an Aadhaar-linked bank account for DBT receipt, and must have no pending loan defaults with her SHG or any bank. Women from general and OBC categories must not have more than three children, while women from SC, ST, Tea Tribe, Moran, or Matok communities may have up to four.

📋MMUA and Lakhpati Baideo: Key Scheme Details

🏦What the Rs 25,000 Phase 2 Includes (more)

An additional MMUA condition is that all school-going-age girls in the applicant's household must be enrolled in school, or if not enrolled, the applicant must sign a written commitment to enrol them within the academic year. This condition reflects MMUA's broader objective of linking women's economic empowerment directly with investment in the education of the next generation in the household.

The Lakhpati Baideo scheme is a closely related Assam government initiative that aims to help existing SHG women achieve an annual income of Rs 1 lakh or more, with 'Baideo' meaning elder sister in Assamese and 'Lakhpati' meaning one who earns a lakh. The scheme provides a direct grant of Rs 35,000 to eligible ASRLM SHG members to invest in livelihood activities capable of generating this target income.

👩‍🌾Lakhpati Baideo Is the Same Drive

Lakhpati Baideo targets 40 lakh women across 35 districts of Assam and works hand-in-hand with MMUA, with both programmes using the ASRLM SHG network as the primary delivery channel for reaching rural women. Women who are on the NRLM list and have achieved a satisfactory grading level in their SHG are prioritised for Lakhpati Baideo enrollment, making NRLM list verification especially important.

The NRLM framework connects SHGs in Assam to formal banking credit through the bank linkage programme, under which well-graded SHGs receive loans of two to four times their cumulative savings from public sector banks and regional rural banks at concessional interest rates. This bank credit can be used for individual member loans to cover emergencies or investments, or for group-level income-generating activities.

Tea garden workers and tribal women in Assam's hill districts are priority groups for ASRLM SHG formation. Many tea garden communities have historically been excluded from formal banking and government welfare infrastructure, and ASRLM works specifically in these areas to ensure women can access the same NRLM list registration and scheme benefits available to women in mainstream rural districts.

Women who want to join or form an SHG can approach the local Panchayat Secretary, ASRLM Community Resource Person, or Block Programme Manager, as a new group requires at least 10 willing women who agree to meet regularly, save together, and maintain basic records. ASRLM staff provide initial training on the Panchasutra principles of regular meetings, savings, lending, record-keeping, and repayment.

🔎How to Check the SHG List

Once an SHG is formed and passes its first grading assessment, the Block Programme Manager uploads its details to the NRLM MIS and the group appears on nrlm.gov.in, enabling members to check the list, apply for MMUA, and initiate bank linkage. The time from group formation to full NRLM registration is typically a few months, depending on how quickly the block office processes and uploads the documentation.

Errors in the NRLM list, such as wrong names, missing members, or incorrect bank account details, can be corrected by submitting a written request to the Block Programme Manager with supporting documents including Aadhaar cards, passbooks, and group meeting registers. Corrections flow upward from block to district to state before appearing on the portal, so early reporting of errors is essential.

ASRLM also manages the Assam component of the NRLM's skill development programme, which connects SHG members' household members to vocational training and employment placement. Women on the SHG list can nominate eligible family members for programmes covering trades such as garment manufacturing, healthcare assistance, hospitality, and information technology.

Members who are on the NRLM list also become eligible for the Community Investment Fund (CIF) that ASRLM disburses to mature SHGs. This fund provides additional capital to SHG groups for on-lending to members at reasonable rates, building a sustainable micro-credit ecosystem that reduces dependence on informal money lending.

📋Eligibility and Conditions for MMUA

The Orunodoi scheme in Assam provides a monthly cash transfer of Rs 1,250 to economically weaker households, many of which include the same women who are SHG members. Women in Assam who are on the NRLM SHG list and also enrolled in Orunodoi benefit from two complementary income support streams, and readers can find the status check process in the orunodoi-assam-beneficiary-list article on Knowledge Kendra.

SHG savings and bank credit are separate from government scheme grants like MMUA, and even without scheme money a well-functioning SHG builds collective capital that members can borrow for health emergencies, school fees, or small investments at far lower cost than informal credit. The NRLM list registration is the gateway to both the formal credit system and the full government scheme pipeline that MMUA and Lakhpati Baideo represent.

⚠️If Your Name Is Not on the List

SHG members in Assam who have accessed MMUA Phase 1 seed capital and used it to start a livelihood activity are encouraged to maintain a simple income and expenditure register to demonstrate productive use when ASRLM staff visit for Phase 2 verification. Keeping records of sales, purchases, savings, and expenses makes the transition from one MMUA phase to the next much smoother and faster.

The government of Assam has also linked SHG data with other welfare databases so that eligible SHG women can be proactively identified for other schemes without needing to submit fresh applications every time. Women who are on the NRLM list in Assam may receive notifications or automatic enrollment consideration for new state welfare initiatives as the government rolls them out through the ASRLM network.

⚠️If Your Name Is Not on the List (more)

The MMUA scheme places particular emphasis on women from lower-income rural households who are engaged in traditional occupations like weaving, bamboo craft, food processing, and fisheries, which are common livelihoods in Assam's river island and flood-prone areas. Seed capital from MMUA Phase 1 helps these women formalise their craft as a registered income source and access raw material markets more systematically.

Citizens who are unsure whether their SHG is registered under ASRLM specifically or under a different state agency can confirm this by checking whether the group appears on nrlm.gov.in under the Assam state filter. Only ASRLM-registered SHGs appear in the NRLM database for Assam, so a successful search confirms the group is in the correct programme and eligible for MMUA and related benefits.

Checking your name on nrlm.gov.in is the first step every woman in an Assam SHG should take. If your group is registered, you are in line for MMUA seed money and Lakhpati Baideo support. If it is not, go to your block ASRLM office today and make sure your group gets on the list.

📋Eligibility and Conditions for MMUA (more)

The ASRLM state office in Guwahati maintains a public portal at asrlms.assam.gov.in with information about district-level offices, Block Programme Manager contacts, and ongoing scheme announcements for active SHG members across all 35 districts of Assam. Any woman who cannot resolve an NRLM list query at the block level can escalate directly to the district ASRLM office with her original documents.

Assam's SHG movement has grown significantly since ASRLM began intensive mobilisation, with lakhs of groups now registered across both plains and hill districts. The NRLM list at nrlm.gov.in reflects this growth and continues to be updated as new groups form, existing groups graduate to higher grading levels, and beneficiary information is corrected through the regular verification drives conducted by ASRLM field staff.

📑Assam SHG List: Quick Reference

🤝How to Join or Form an SHG

Any woman in Assam who does not currently belong to an SHG but wants to access the benefits of MMUA, Lakhpati Baideo, or NRLM bank linkage should begin the process immediately by contacting her gram panchayat or the nearest ASRLM block office. The cost of joining or forming an SHG is zero, as all mobilisation and training support from ASRLM is provided free to rural women across the state.

❓Frequently Asked Questions