Sthree Nidhi Credit Cooperative Federation — SHG Livelihood Credit

Sthree Nidhi Credit Cooperative Federation Ltd (registered September 2011 under the AP Cooperative Societies Act 1964; a government- and Mandal Samakhya-promoted, community-owned institution under SERP) supplements the SHG–bank linkage by providing timely, affordable credit to SHG women. Loans are delivered to the SHG's bank account within 48 hours via VO/IVRS requests, with no processing fee or penalty. Maximum loan ₹1,00,000 per member for income-generating activities — agriculture, dairy, business, retail trade and small enterprises — and emergent needs (health, education).