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AP Govt Provides Hassle free Loans to Self-Help Groups

SthreeNidhi credit cooperative Federation Ltd., is promoted by the Government of Andhra Pradesh and the Mandal Samkahyas to supplement credit flow from banking sector and is a flagship programme of the Government. After launching the operations on 6th of October, 2011, the bank till date has disbursed Rs. 365 crores to women borrowers covering around 62,000 SHGs out of 1 million SHGs.


  • SthreeNidhi provides timely and affordable credit to the poor SHG members as a part of the overall strategy of SERP for poverty alleviation.
  • Provide financial assistance to the SHG members for their emergency needs as supplementary loan by 48 hours.


  • SHGs are comfortable to access hassle free credit from SthreeNidhi as and when required using their mobile and therefore do not see any need to borrow from other sources at usurious rates of interest.
  • SthreeNidhi is in a position to extend credit to the SHGs even in far flung areas of the state in 48 hours to meet credit needs for exigencies like health, education and other income generation needs like agriculture, dairy and other activities.
  • As credit availability is linked to grading of MS and VOs, community is keen to improve functioning of the same to access higher amount of credit limits from SthreeNidhi.

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