• ARCHANA
• Dr. Rajendra K. Khatik

NBFCs and RRBs are the primary players in this industry, with prominent approaches including SHGs (Self Help Groups) and SBLP, among others. Microfinance is an economic activity that deals with small scale financial services such as issuing loans and collecting funds for small size industries. This study looks at total micro financial intermediaries in India on a regional level, such as the south, west, and east, with a focus on two public sector commercial banks SBI and PNB . Microfinance is a well-established financial system in India that functions as a disbursement and collection method for small-scale funding. Due to a lack of banking channels in rural and isolated areas, a huge number of informal financial intermediaries, particularly Microfinance, have sprung up to operate as a bank's proxy. It focuses on the rural economy and serves as a means of bringing people from the poorest sections of society into the legitimate financial system by making comparative study of SBI and PNB, reducing the spread of spurious financial services. SHGs are being promoted by banks through the SHGs-BANK linkage PROGRAMME and the DRDA under the NRLM. The research was carried out utilising an exploratory research method and data gathered over a five-year period from diverse secondary sources.

: MFIs, Self Help Groups, Saving of Bank- Linked SHGs, Loan Disbursment to SHGs and Loan Outstanding against SHGs

"Progress of Self-Help Groups-Bank Linkage Programme with the respect of Public Sector Commercial Banks: A Comparative Study of SBI and PNB.", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.9, Issue 10, page no.c588-c595, October-2022, Available :http://www.jetir.org/papers/JETIR2210275.pdf

"Progress of Self-Help Groups-Bank Linkage Programme with the respect of Public Sector Commercial Banks: A Comparative Study of SBI and PNB.", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.9, Issue 10, page no. ppc588-c595, October-2022, Available at : http://www.jetir.org/papers/JETIR2210275.pdf