Sakhi Nidhi – Product Design v1.1 (Maharashtra)

Dev specs

Design system v1.1

Sakhi Nidhi design language

Simple, trustworthy and mobile-first. Built on tokens and off-the-shelf components so any React team can implement it quickly and scale it to new departments, schemes and languages.

Principles

1 · One task per screenEach screen answers one question or completes one action. Primary action is always top-right (desktop) or full-width bottom (mobile).

2 · Status is always visibleEvery application, transfer and EMI shows a coloured status badge and a timeline. Users never wonder "where is my money?".

3 · Mobile-first for SHGsSHG flows are designed for a 360px phone, large tap targets (44px), camera upload and low bandwidth.

4 · Bilingual & accessibleEnglish and Marathi on every label. WCAG 2.1 AA contrast, keyboard navigation and screen-reader labels.

5 · Reuse, don't reinventAround 20 components cover all 40 screens. New modules are composed from the same parts, so there's no custom UI to maintain.

6 · AI that explains, people who decideEvery AI output wears the violet AI label, shows its reason and confidence, and needs a human to act on it.

Colour tokens

Teal = growth and trust (brand). Saffron = SHG warmth (accent, used sparingly). Semantic colours are reserved for status only. Violet is reserved for AI.

Themes & appearance click to preview · every user can change this from the palette button in the top bar

5 colour themes × 4 modes × 3 text sizes. A theme only swaps the brand palette; status colours keep their meaning and violet stays reserved for AI in every combination.

Build: CSS variables on <html data-theme data-mode data-size>, the same pattern as shadcn/ui and Tailwind dark:. A theme defines 10 raw shades (--b-50 to --b-900); modes remap --brand-*, greys and status tints, so adding a sixth theme is 10 lines of CSS. The choice is saved to the user profile (and localStorage for the login page). Auto follows prefers-color-scheme and prefers-contrast. DMA can set the portal default in D-09. Text size A− / A / A+ is the GIGW 3.0 resize control.

Typography Inter · fallback Segoe UI / system

Display · 30/36 · 700₹104.6 Cr

H1 · 24/32 · 600DMA – Maharashtra overview

H2 · 20/28 · 600Fund disbursement

H3 · 16/24 · 600SHG-wise break-up

Body · 14/20 · 400Transfer funds to verified SHG accounts.

Caption · 12/16 · 500Updated 5 min ago

Mono · 12 · 500SN/2026/BRM/00123

Spacing, radius & elevation

8-point grid. Card padding 20, page padding 24–28 (desktop) / 16 (mobile), gap between cards 16.

6
inputs-sm

10
buttons, inputs

14
cards

full
badges

xs
cards

md
dropdown

lg
dialog

Breakpoints & layout

Token	Width	Layout
mobile	< 640	1 column, bottom tab bar, full-width primary button
tablet	640–1023	2 columns, collapsible sidebar
desktop	1024–1439	Sidebar 240 + fluid content, 12-col grid
wide	≥ 1440	Content max-width 1440, centred

Buttons

Max one primary button per view. Destructive actions (Reject, Block) always need a reason and a confirm dialog.

Default input *

Helper text sits below the field

Error state

IFSC must be 11 characters

Read-only (system value)

Select

Amount

₹

Upload

Drag files or browse · PDF, JPG up to 5 MB

Status badges one meaning, one colour, everywhere

Badge	Used for
Draft Upcoming	Not started / not yet due
Submitted With Agri Dept	In progress, waiting on someone else
Due in 5 days Partial	Needs attention soon
Approved Paid Transferred	Completed successfully
Rejected Overdue 25 d Defaulter	Failed or blocked; action needed
Closed	Final, archived

Feedback

Transfer successful. ₹2,50,000 sent to 2 SHGs.

EMI due in 5 days. Pay before 10 Oct to stay regular.

Account name mismatch. Fix the SHG bank account to retry.

New: Interest share for Sep credited.

Dev specs (this grey dashed box) are annotations for developers. They aren't part of the UI. Toggle them with "Dev specs" at the top.

Metric card

Disbursed

₹45.0 L

36 SHGs

Pending

₹3.5 L

3 SHGs

Progress

72% utilised

Tabs & stepper

Pending (12)ApprovedRejected

Details

Members

Bank

Timeline

Approved by Agri Dept28 May
Released to ULBIn progress
Credited to SHGPending

AI pattern violet = AI, used nowhere else

AIAI: all checks passed

Confidence 93%

AI pre-check 3 of 4 checks passed

Asset detected in photo
Bill read automatically
Location 4.1 km away

Why: the reason is always one line, in plain words. The human decides.

Rules
1. Always label AI output; never mix it into system facts.
2. Show the reason and the confidence.
3. An AI suggestion may pre-fill a field, but a person submits it.
4. Always offer a way to correct or ignore it.
5. Below the confidence threshold, show nothing rather than a guess.

Data table

	SHG	Loan a/c	Amount	Status
	Jyothi SHG Baramati Municipal Council	SN-LN-26-00613	₹1,50,000	Pending	View
	Lakshmi SHG Baramati Municipal Council	SN-LN-26-00611	₹1,50,000	Transferred	View

Tables: sticky header, right-aligned amounts, Indian number format (₹1,50,000), bulk select, server-side pagination at 25 rows, export to Excel/PDF. On mobile, rows turn into stacked cards.

Recommended UI stack

React 18 + TypeScriptIndustry standard, large talent pool

Next.js (App Router)Routing, SSR for fast first load on 3G/4G

Tailwind CSSTokens from DS-01 go straight into tailwind.config

shadcn/ui (Radix)Accessible, copy-in components, no lock-in

TanStack Table + QueryLarge tables, server pagination, caching

React Hook Form + ZodForms and validation, shared with the API

RechartsDashboards and report charts

react-i18next + Lucide iconsMarathi / English and the icon set used here

AI services (behind one API)Bhashini (Marathi speech), Document AI OCR, vision model, LLM hosted in India; called only from the backend

The SHG experience ships as a responsive PWA first: installable, works on low-end Android, camera upload, offline draft. A native app is optional later, built from the same components.

Tokens → Tailwind

// tailwind.config.ts
colors: {
  brand:  { 50:'#effcf8', 600:'#0b8571', 700:'#0a6b5c' },
  accent: { 500:'#f59e0b' },
  success:'#16a34a', warning:'#d97706',
  danger: '#dc2626', info:'#2563eb',
},
borderRadius: { md:'10px', lg:'14px' },
fontFamily: { sans:['Inter','Segoe UI'] }

Design component → build component

In this design	Use
Button, Input, Select, Checkbox	shadcn Button, Input, Select, Checkbox
Status badge	shadcn Badge + one statusVariant() map
Card, Metric card	shadcn Card
Data table (bulk select, export)	shadcn DataTable (TanStack)
Tabs, Dialog (checker approval), Drawer (detail)	shadcn Tabs, Dialog, Sheet
Toast / alerts	Sonner toast, shadcn Alert
Stepper, Timeline, Money-flow	3 small custom components
Charts	Recharts (bar, line, horizontal bar)
File / camera upload	react-dropzone + native camera input
AI card, AI badge, confidence bar, Ask bar	4 small custom components on top of shadcn Card / Badge / Progress / Command
Chatbot panel / phone sheet	shadcn Sheet (mobile) + Popover (desktop) with a message list; streaming replies from the backend AI API; action buttons are router links
Drill-down: level stepper, breadcrumb, clickable rows	shadcn Breadcrumb + TanStack Table with row click; one generic page driven by the `level` URL segment

Reusable page templates 5 templates cover all screens

Template	Screens
Dashboard: metrics + chart + action list	S-01, F-01, U-01, D-01, A-01
List + detail: filters, table, side panel	C-05, U-02, U-04, D-02, D-05, A-02
Form / wizard: stepper, sections, sticky actions	C-03, C-04, S-02, S-06, D-03, D-09
Record view: summary + timeline	S-03, S-04, D-04, D-06
Report: filters, metrics, table, export	R-01, R-02, R-03, U-03, D-08

Front-end structure

src/
  design-system/   tokens, ui/ (shadcn), patterns/
  features/        registration, applications, funds,
                   repayments, evidence, reports, settings
  app/(roles)/     shg, federation, ulb, dma, agri, division
  lib/             api client, auth, i18n, formatters (₹)

Build order (MVP first)

Release 1

Registration & login

C-01 to C-06, role-based menus, approvals hierarchy

Release 1

Apply → sanction

S-02, S-03, F-01, D-02, D-03, A-01, A-02, D-04

Release 2

Money movement

D-05, U-02, money-flow tracker D-06

Release 2

Repay & evidence

S-04, S-05, S-06, U-03, U-04, reminders

Release 3

Revolve & report

U-05, D-07, D-08, D-09, R-01 to R-04 (drill-down: one API, /api/drill/{level}/{id})

Releases 1–3

AI, in phases

Phase 1 with Release 1–2 (chatbot on every screen, OCR, photo checks); Phase 2–3 once data exists (O-04)

End-to-end process

From SHG loan request to repayment and re-lending of the same money to the next SHG (revolving fund).

Suggested names: Sakhi Nidhi · Udyam Sakhi · SHG Revolving Livelihood Fund Portal (RLF-Portal)

Phase A — Request & sanction

SHG

Loan request

Registered SHG submits loan application with business plan, amount, tenure and documents.

ALF / CLF / ULB

Field verification

Federations / ULB verify the group and recommend (configurable step).

DMA

Review & fund request

DMA reviews requests from all 6 divisions and raises one consolidated statewide Fund Request to Agriculture Dept.

Agriculture Dept

Scrutiny & sanction

Approves / rejects / partially approves each SHG and releases the approved amount to DMA account.

DMA

Publish results

DMA confirms receipt and notifies approved & rejected lists to SHG, ULB, ALF, CLF.

Phase B — Disbursement, usage, repayment, revolving

DMA

Release to ULBs

DMA releases funds in one bulk PFMS batch to every ULB across Maharashtra that has approved SHGs (any of the 424), each with an SHG-wise break-up; ULB & SHG notified.

ULB

Disburse to SHG

ULB transfers online from its linked bank account to each SHG account. UTR captured.

SHG

Execute project

SHG uses money only for the sanctioned activity and uploads evidence per milestone; ULB verifies.

SHG

Repay EMIs online

Monthly EMI at 4% p.a. paid online: principal to ULB pool, interest 2% to ALF + 2% to CLF. Reminders before/after due date; overdue → defaulter.

ULB → DMA

Re-lend (revolve)

Repaid principal builds ULB revolving pool; ULB proposes re-lending to another SHG; DMA approves.

Roles & responsibilities

Role	Key actions in system	Registered / approved by
DMA (state)	Review applications, fund requests, release to ULBs, re-lending approval, defaulter policy, state reports, master settings	Super admin (system setup)
Divisional office	Monitor all ULBs in one of the 6 revenue divisions, division reports, escalations	DMA
Agriculture Dept	Scrutinise fund requests, approve/reject per SHG, release funds, sanction orders	DMA (department user)
ULB	Approve SHG registrations, disburse to SHGs, verify evidence, track EMIs, re-lending proposals, ULB report	DMA
CLF (City Level Federation)	Verify & recommend, monitor ALFs/SHGs, receives 2% interest share	ULB
ALF (Area Level Federation)	Field verification of SHGs, follow-up on EMIs, receives 2% interest share	CLF / ULB
SHG	Apply for loan, receive funds, upload evidence, pay EMIs, receive notifications	ALF → ULB

Cross-cutting capabilities

Registration with hierarchy approvals (DMA → ULB → CLF → ALF → SHG)

Online bank transfers (DMA → ULB → SHG) with UTR reconciliation

Online EMI collection (UPI / Net banking / e-NACH auto-debit)

Project life-cycle with milestone evidence (geo-tagged photos, bills)

Reminders & defaulter blocking (SHG + member Aadhaar)

Notifications top-to-bottom: SMS, WhatsApp, email, in-app

Reports: ULB, Division, DMA + money-flow tracker

Audit trail on every approval and money movement

Application / loan status lifecycle

Draft→Submitted→ Verified (ALF/CLF/ULB)→DMA Reviewed→ In Fund Request→Agri Approved/Agri Rejected→ Released to ULB→Disbursed to SHG→ Under Repayment→Closed/Defaulted & Blocked

Any reviewer can Send back for correction (status returns to Draft with remarks). Rejected applications are closed; SHG may submit a fresh application.

Money flow between accounts

Agriculture Dept · FR/007

₹9.84 Cr

Sanction order + release

→RTGS

DMA account

₹9.84 Cr

Receipt confirmed

→PFMS bulk

154 ULB accounts · 6 divisions

₹9.84 Cr

SHG-wise break-up per ULB

→online

SHG accounts (905)

₹9.63 Cr

₹21 L pending

→usage

Project usage

₹7.70 Cr

Evidence verified

SHG EMI payments (statewide)

₹30.9 Cr

Principal ₹28.9 Cr + 4% interest ₹2.0 Cr

→principal

ULB revolving pools

₹28.9 Cr

Principal only

→approved

Re-lent to new SHGs

₹7.4 Cr

DMA-approved

EMI interest (4%)

₹2.0 Cr

Split automatically at receipt

→2%

Area Level Federations

₹1.0 Cr

Credited monthly

+2%

City Level Federations

₹1.0 Cr

Credited monthly

EMI calculator reducing balance · monthly

Loan amount (₹)

Tenure (months)

EMI interest (% p.a.)

Monthly EMI

–

Total interest

–

Total repayable

–

Interest split of the 4% collected through EMIs (configurable in Settings):

Beneficiary	Rate	Over tenure

Interest model (confirmed)

Component	Rate	Who keeps it
Interest charged by SHG to its members	6%	—
SHG margin (retained by SHG)	2%	SHG
Paid through EMI	4%	see split below
↳ Area Level Federation	2%	ALF
↳ City Level Federation	2%	CLF
Principal repaid	—	ULB revolving pool

On every EMI receipt the gateway settlement is split automatically: principal goes to the ULB revolving-fund account, interest is split equally between the SHG's ALF (2%) and CLF (2%) and credited monthly. The ULB earns no interest; it keeps the principal to re-lend. Rates are master data (D-09).

Reminder & default rules (default values)

D-3 and D-0: SMS + WhatsApp + in-app reminder to SHG office bearers
D+3, D+7: overdue reminder, copy to ALF
D+30: "Overdue" flag, escalation to CLF + ULB
D+90 or 3 EMIs missed: Defaulter. SHG and its members (by Aadhaar) are blocked from applying again until DMA lifts the block.

Assumptions made in this design

DMA (Directorate of Municipal Administration, Maharashtra) owns the system statewide: 6 revenue divisions, 36 districts and 424 ULBs (29 corporations, 248 councils, 147 nagar panchayats), as in the FC-16 master.
ALF/CLF/ULB field verification happens before DMA review (can be switched off).
Agriculture Dept can approve a lower amount than requested (partial approval).
Funds move by bank integration (sponsor bank API / PFMS); UTR is stored for each transfer.
EMI = reducing balance, monthly, due on the 10th; first EMI one month after disbursement.
EMI principal lands in the ULB revolving fund account; EMI interest (4%) is split ALF 2% + CLF 2% and credited monthly. The SHG keeps its own 2% margin.
Defaulter = 90 days overdue or 3 missed EMIs; blocks SHG and its members.
SHG screens must work on mobile and in Marathi and English.

Open questions

If an SHG is not under any ALF / CLF, who receives that 2% share (ULB pool or DMA)?
Loan limits per SHG (min / max amount) and allowed tenures (12 / 18 / 24 months)?
Eligible activities: only agriculture & allied (since Agri Dept funds) or any livelihood?
Is penal interest / late fee charged on overdue EMIs?
Who can lift a defaulter block, and is one-time settlement allowed?
Do repayments go back to DMA, or stay with the ULB for re-lending?
Does re-lending need DMA approval only, or Agriculture Dept as well?
Integration with the existing NULM / DAY-NULM SHG database for registration data?
Which bank / payment gateway for ULB-linked accounts and EMI collection?

AI in Sakhi Nidhi

13 focused use cases · AI advises, people decide · every AI output is labelled AI

Data-entry time saved

~60%

OCR + voice form-fill

Evidence reviews auto-checked

100%

photo, geo, duplicate, bill

Early default warning

30 days

before an EMI is missed

Auto-rejections by AI

by design

#	AI feature	What it does	Who benefits	Screens	Type	Human control	Phase
1	AI chatbot (Sakhi Mitra / Sakhi AI)	On every role screen: floating panel on desktop, full sheet on mobile. Marathi / English, voice or text. SHGs ask about EMI, evidence, interest; officers ask about any division, district, ULB or SHG by name. Replies carry buttons that open the right screen or drill-down level	All 6 roles	S-01, every screen (button bottom-right)	LLM + speech (Bhashini) + read-only data tools	Answers only from scheme rules and data inside the user's scope; never moves money or approves; hands off to helpdesk	1
1a	Drill-down insights	At each level of the State → Division → District → ULB → SHG drill-down, names the weakest child (collection, idle funds, defaulters) and offers the next drill	DMA, Division, ULB	R-04	Rules over aggregates + LLM wording	Computed from the numbers on screen; officer chooses where to drill	1
2	Voice / photo form-fill	Turns a spoken plan or handwritten note into the loan application	SHG	S-02	LLM + OCR	SHG reviews every field before submitting	1
3	Document OCR & masking	Reads passbook, member register, bills; masks Aadhaar automatically	SHG, ULB	C-03, S-06	Document AI	User confirms; low confidence goes to manual entry	1
4	Evidence photo verification	Detects the asset (cows, machines, shed), checks GPS distance, finds reused photos statewide	ULB reviewers	S-06, U-04	Vision model + perceptual hash	ULB accepts / rejects; AI only flags	1
5	Smart reminders	Sends EMI reminders at the time and on the channel each SHG responds to	SHG, ULB	U-03	ML	Schedule rules in D-09 stay the floor	1
6	Application risk score	Scores 0–100 with top 3 reasons; prioritises field visits	ALF/CLF, DMA	F-01, D-02	Gradient-boosting model	Officer decides; score cannot reject	2
7	Agri norm pre-scrutiny	Checks each application against unit-cost norms and eligible activities; pre-fills suggestions	Agriculture Dept	A-02	Rules + ML	Officer confirms every row; sanction records the decider	2
8	Default prediction	Predicts which SHGs may miss the next EMI and why	ULB, ALF, DMA	U-03, D-01	Time-series ML	Triggers a call or visit, never a penalty	2
9	Fund-flow anomaly & idle funds	Spots round-tripping, idle balances and unmatched UTRs across 424 ULBs	DMA, Division	D-05, D-06	Anomaly detection	DMA opens a case; no automatic hold	2
10	Re-lending ranking	Ranks eligible SHGs for the ULB's revolving pool	ULB	U-05	ML	ULB proposes, DMA approves	2
11	Ask AI	Plain-language questions over live data, with a chart and the query shown	DMA, Division	D-10, D-01	LLM → SQL (read-only)	Role-scoped, read-only, source shown	3
12	Report summaries	Drafts the monthly narrative in English or Marathi	DMA, Division	R-03, R-02	LLM	Officer edits and signs off	3

Where AI is not used

Approving or rejecting a loan
Marking a defaulter or lifting a block (rule-based)
Moving money: every transfer is maker–checker with DSC / OTP
Calculating EMI or the interest split (deterministic)

Governance

Human-in-the-loop on every decision; reasons are always shown
DPDP Act 2023: consent at registration, purpose-limited use
Aadhaar and bank numbers masked before any AI step
Hosted in India (State Data Centre / MeitY-empanelled cloud)
Quarterly bias review by division, ULB type and social category
Full audit log: model version, inputs, confidence, final decision

Rollout

Phase 1 · launchChatbot for all roles, drill-down insights, form-fill, OCR, photo checks, smart reminders
Phase 2 · after 6 months of dataRisk score, Agri pre-scrutiny, default prediction, anomaly detection, re-lending ranking
Phase 3Ask AI, AI report summaries

Each AI feature can be switched off in D-09 without affecting the core workflow.

Sakhi NidhiDirectorate of Municipal Administration · Government of Maharashtra

Revolving livelihood fund for Self-Help Groups

Apply for business loans, track approvals and funds, pay EMIs online and report project progress — all in one place.

SHGs funded

9,640

Amount disbursed

₹104.6 Cr

ULBs onboarded

412 / 424

Illustration / programme banner (all 6 divisions of Maharashtra)

Sign in

Englishमरा

Mobile OTPUser ID & password

Registered mobile number

OTP

Captcha

captcha

Forgot password?New registration

After login the user lands on their role dashboard: SHG → S-01, ALF/CLF → F-01, ULB → U-01, DMA → D-01, Agriculture Dept → A-01. A user mapped to multiple organisations picks one after login.

Register on Sakhi Nidhi

Select the type of organisation you are registering. Your registration is approved by the level above you.

Back to login

DMA

DMA officeState directorate and divisional offices. Created by the system administrator.Approved by: Super admin

ULB

Urban Local BodyCity Corporation / CMC / TMC. Holds bank account for receiving and disbursing funds.Approved by: DMA

CLF

City Level FederationFederation of ALFs in a city.Approved by: ULB

ALF

Area Level FederationFederation of SHGs in an area / ward cluster.Approved by: CLF or ULB

SHG

Self-Help GroupGroup with members, office bearers and a bank account.Approved by: ALF → ULB

Approval hierarchy

Super admin

creates DMA

→

DMA

approves ULB, Divisional office, Agri Dept users

→

ULB

approves CLF (and SHG final)

→

CLF

approves ALF

→

ALF

verifies SHG

Bulk onboarding: DMA/ULB can also upload SHG / ALF / CLF lists in Excel or import them from the existing SHG database. Imported records only need to verify their bank account and mobile.

SHG registration

Saved as draft 2 min ago

Group details

Members

Bank account

Federation mapping

Documents

Review & submit

1. Group details completed

SHG name *

SHG code (existing MIS ID)

Date of formation *

Grading

ULB *

Ward

Address

2. Members & office bearers 10–20 members

#	Member name	Aadhaar	Mobile	Role	Checks
1	Sunita K.	XXXX-XXXX-4521	98●●●●1203	President	eKYC ok	Edit
2	Lakshmi D.	XXXX-XXXX-8890	97●●●●4410	Secretary	eKYC ok	Edit
3	Rehana B.	XXXX-XXXX-1177	99●●●●0921	Treasurer	eKYC ok	Edit
4	Geetha M.	XXXX-XXXX-3302	90●●●●7765	Member	In defaulter list	Edit
5	Kavya S.	XXXX-XXXX-6619	—	Member	eKYC pending	Edit

5 of 12 members added

Each member's Aadhaar is checked against (a) other SHGs, to catch duplicate membership, and (b) the defaulter register. A member flagged as defaulter blocks the SHG from applying for a loan, not from registering.

3. Bank account

Account holder name

Account number

IFSC

AI reads the account number, IFSC and name from a passbook photo; you confirm them. Name match is required.

4. Federation mapping

Area Level Federation

City Level Federation

Auto-filled from ALF

5. Documents

SHG resolution / registration certificate
Upload PDF / JPG

Bank passbook first page
Upload

Organisation registration

Organisation details

Organisation type *

ULB category

Name *

Official code

Division *

District *

Parent / approving entity

Official email

Office address

Nodal officer (primary login)

Name

Designation

Mobile

Fund account required for ULB & DMA

Account number

IFSC

Account purpose

Documents

Authorisation letter from Commissioner

Cancelled cheque

Federation registration certificate (CLF / ALF)

Linking the ULB account for online transfers lets the ULB pay SHGs from inside the system (U-02). Transfers use maker–checker: one user initiates, a second user approves with OTP.

Registration approvals

Review and approve organisations that registered under you.

Pending (12)Sent back (3)Approved (231)Rejected (4)

Ref no.	Type	Name	Under	Submitted	Checks
REG-2610-0091	ULB	Karad Municipal Council	Pune Division	02 Oct	Bank ✓ Docs ✓	View
REG-2610-0088	ULB	Latur Municipal Corporation	Chh. Sambhajinagar Division	01 Oct	Bank pending	View
REG-2609-0412	CLF	Karad CLF	Karad Municipal Council	29 Sep	Docs ✓	View
REG-2609-0398	SHG	Navodaya SHG	Gandhi Nagar ALF	28 Sep	Duplicate member	View
REG-2609-0377	SHG	Annapurna SHG	Station Road ALF	27 Sep	eKYC ✓ Bank ✓	View

Karad Municipal Council ULB

Ref no.

REG-2610-0091

District / Division

Satara / Pune Division

Nodal officer

A. Shetty, CO · 98●●●●5521

Bank account

●●●●2210 · SBIN0001234 Name match

Documents

Authorisation.pdf, Cheque.jpg

Remarks

On approval, login credentials are sent to the nodal officer by SMS and email, and the entity becomes selectable as a parent for the next level.

Notifications

All updates on applications, funds, EMIs, evidence and defaults.

All (24)ApprovalsFundsEMI & remindersEvidenceDefaults

EMI

EMI #4 of ₹8,515 is due on 10 Oct 2026
Shakti Mahila SHG · Loan SN-LN-26-00457 · SMS + WhatsApp sent

Today 09:00

₹

₹1,00,000 credited to Shakti Mahila SHG account
Transferred by Baramati Municipal Council · UTR SBIN226180045771

08 Jun

₹

DMA released ₹14,20,000 to Baramati Municipal Council for 14 SHGs
Release order RO/2026-27/031 · disburse to SHGs within 7 days

05 Jun

Your loan application is approved by Agriculture Department
Application SN/2026/BRM/00123 · Approved ₹1,00,000

28 May

Evidence for milestone 3 "Shed construction" accepted by ULB
Utilisation now 72% of sanctioned amount

22 Sep

Navodaya SHG marked as Defaulter
3 EMIs overdue (₹25,545) · SHG and 12 members blocked from new loans

18 Sep

Who gets notified

Event	Recipients
Application submitted / sent back	SHG, ALF, ULB
Fund request sent	Agri Dept
Agri approved / rejected	DMA → SHG, ULB, ALF, CLF
Released to ULB	ULB, SHG
Disbursed to SHG	SHG, ALF, CLF, DMA
EMI due / paid / overdue	SHG; ALF from D+3; ULB & CLF from D+30
Evidence due / reviewed	SHG, ULB
Defaulter / block lifted	SHG, all levels up to DMA
Idle funds at ULB > 7 days	ULB, Division, DMA

Namaste, Shakti Mahila SHG

Baramati Municipal Council · Gandhi Nagar ALF · Baramati CLF

EMI #4 of ₹8,515 is due on 10 Oct 2026 (in 5 days). Pay online to avoid becoming overdue.

Upload evidence for milestone 3 "Purchase of 2 milch cows", planned by 15 Oct 2026.

Sakhi Mitra Your AI helper · speak or type in Marathi or English

You: “माझा पुढचा हप्ता किती आणि कधी आहे?”

Sakhi Mitra: “तुमचा हप्ता #4 ₹8,515 आहे, 10 ऑक्टोबरला देय आहे. आत्ताच UPI ने भरायचा का?” (Your EMI #4 is ₹8,515, due 10 October. Pay now by UPI?)

हप्ता किती?फोटो कसा अपलोड करायचा?कर्ज विवरणOpen chat · hold mic to speak

Sanctioned

₹1,00,000

by Agri Dept · 28 May 2026

Received

₹1,00,000

from Baramati Municipal Council · 08 Jun

Outstanding principal

₹75,373

3 of 12 EMIs paid

Next EMI

₹8,515

due 10 Oct 2026

Fund utilised

72%

evidence accepted

Repayment progress View schedule

3 paid · ₹25,5459 remaining · ₹76,635

Project: Dairy unit – 2 milch cows Open project

Funds received08 Jun 2026
Shed constructionEvidence accepted · ₹32,000
Fodder & equipmentEvidence accepted · ₹40,000
Purchase of 2 milch cowsEvidence due 15 Oct
Business running – first income reportDue 30 Nov

Quick actions

Eligibility for a new loan

Registered & approved SHG

Bank account verified

No default history

Active loan running – can apply after closure or 75% repayment

The new-loan rule (after closure, or after X% repayment) is configurable in D-09.

Apply for Loan › New application

Loan application

Application no. will be generated on submit.

Draft

Fill with AI Tell us about your business in your own words

Speak in Marathi, or upload a photo of your handwritten plan. Sakhi Mitra fills sections A–C for you, and you check and edit them before submitting.

A. Business activity

Activity category *

Activity *

Project title *

Project description & how income will be generated *

Location of activity

Members benefiting

Expected monthly income (₹)

B. Loan details

Total project cost (₹)

SHG own contribution (₹)

Loan amount requested (₹) *

Allowed: ₹50,000 – ₹3,00,000

Tenure *

Interest (EMI)

Indicative EMI

Repayment mode

C. Utilisation plan / milestones evidence will be asked for each milestone

#	Milestone	Amount (₹)	Evidence expected
1			Photos (before/after), bills	✕
2			Invoices, photos	✕
3			Purchase receipt, ear-tag photo, insurance	✕
	Total	₹1,00,000	Matches loan amount

D. Documents

SHG resolution to borrow *

Business plan / DPR

Quotations

Meeting minutes & photo

We declare the loan will be used only for the activity above and we agree to repay EMIs on time. Defaulting will block the SHG and its members from future loans.

Eligibility check

SHG approved (since 2021, Grade A)

Bank account verified

No SHG / member in defaulter list

No active loan from this scheme

Min. 10 members with eKYC

If any check fails the form is locked with the reason, e.g. "Member Geetha M. is in defaulter list".

AI check Your plan looks viable

The cost of 2 HF cross cows plus shed (₹1.15 L) is within the Agriculture Dept norm for Pune district (₹1.1–1.3 L).
Expected income of ₹18,000 a month covers the ₹8,515 EMI 2.1 times.
Tip: add cattle insurance to milestone 3. Agri Dept usually asks for it.

This is advice only. It does not affect approval.

What happens next

ALF / CLF verificationfield visit
DMA review
Agriculture Dept scrutiny
Funds via DMA → ULB → your account

Application SN/2026/BRM/00123

Dairy unit – 2 milch cows · ₹1,00,000 · 12 months

Disbursed to SHG

Status timeline

Submitted by SHG12 Apr 2026 · Sunita K. (President)
Verified by Gandhi Nagar ALF16 Apr · Field visit done · "Group active, shed site available"
Recommended by Baramati CLF / Baramati Municipal Council19 Apr
Reviewed by DMA25 Apr · Added to Fund Request FR/2026-27/007
Approved by Agriculture Department28 May · Approved ₹1,00,000 · Sanction order SO/AGRI/2026/112
Funds received at DMA02 Jun · results published
Released by DMA to Baramati Municipal Council05 Jun · RO/2026-27/031 · UTR SBIN226150031220
Credited to SHG account by Baramati Municipal Council08 Jun · UTR SBIN226180045771
Under repayment · project in progressEMI 3/12 paid · utilisation 72%
Loan closedexpected Jun 2027

Summary

Requested

₹1,00,000

Approved

₹1,00,000

Tenure / rate

12 months / 4%

Loan account

SN-LN-26-00457

ULB

Baramati Municipal Council

Remarks & queries

ALF: Please attach shed site photo. 14 Apr

SHG: Uploaded. 15 Apr

If rejected, the timeline shows the step in red with the rejection reason given by Agriculture Dept / DMA, and a "Start new application" button.

Loan SN-LN-26-00457

Disbursed 08 Jun 2026 · First EMI 10 Jul 2026 · Due on 10th of every month

Principal

₹1,00,000

Interest rate

4% p.a.

reducing balance

EMI

–

× 12 months

Outstanding principal

–

Overdue

₹0

EMI #	Due date	EMI (₹)	Principal (₹)	Interest (₹)	Balance (₹)	Status	Paid on / Ref

On each EMI, the principal goes to the ULB revolving pool and the interest (4%) is split equally: 2% to the ALF and 2% to the CLF (see O-02). Status values: Paid, Due, Overdue (with days), Upcoming.

Pay EMI

Loan SN-LN-26-00457 · Shakti Mahila SHG

Select what to pay

EMI	Due date	Amount	Status
EMI #4	10 Oct 2026	₹8,515	Due in 5 days
EMI #5	10 Nov 2026	₹8,515	Upcoming (advance)
Part prepayment of principal
Foreclose loan		₹75,624

Payment method

UPI

Scan QR / enter UPI ID

Net banking

All major banks

Debit card e-NACH

Auto-debit every month

Payable now₹8,515

Payment receipt shown after success

Receipt no.

RCPT-26-1005-88123

Amount

₹8,515

Principal ₹8,264

→ Baramati Municipal Council revolving fund a/c

Interest ₹251

→ ALF ₹125.50 (2%) · CLF ₹125.50 (2%)

Gateway ref

UPI 6271●●●●4410

The gateway settles one payment into split accounts: the principal goes to the ULB revolving fund account, and the interest goes to the ALF and CLF interest accounts in equal halves (2% + 2%). The system reconciles automatically, marks the EMI paid, and sends an SMS receipt to the SHG and ALF.

Dairy unit – 2 milch cows

Sanctioned ₹1,00,000 · Started 08 Jun 2026

In progress

Milestones done

2 / 4

Utilisation (accepted evidence)

₹72,000 · 72%

Pending review

₹0

Next evidence due

15 Oct

M1 · Shed construction Accepted · ₹32,000

Before · geo-tag

During · geo-tag

After · geo-tag

Bill – cement

Bill – labour

Reviewed by Baramati Municipal Council on 22 Jul · "Shed verified during site visit."

M2 · Fodder & equipment Accepted · ₹40,000

Chaff cutter

Milking cans

Invoice

Fodder stock

M3 · Purchase of 2 milch cows Evidence due 15 Oct

Evidence type

Amount spent (₹)

Date

Vendor / seller

Description

Drag photos / bills here or take photo with camera · location and time captured automatically

AI instant check Your upload was checked

2 cows found in the photo. 96%
Photo taken 120 m from your registered activity address.
Receipt read: Shree Datta Pashu Bazar, ₹28,000, 03 Oct 2026, filled in above.
Ear tags are not clearly visible. Add a close-up photo so the ULB can approve faster.

M4 · Business running – monthly income report Upcoming

After the asset is purchased, the SHG reports monthly income (e.g. litres sold, revenue) for 6 months.

Project life cycle

Sanctioned
Funds received
Implementationmilestone evidence
Operationalincome reports
Completedloan closed + final verification

AI checks run on the phone or in the State Data Centre within a few seconds: object detection (cows, machines, shed), GPS distance, perceptual-hash duplicate detection across all SHGs in Maharashtra, and bill OCR. Results go to the ULB reviewer as hints; the AI never accepts or rejects evidence by itself.

Baramati CLF

6 ALFs · 142 SHGs · 38 active loans

Applications to verify

EMIs due this week

Overdue SHGs

Defaulters

CLF interest share 2% (FY)

₹37,280

Verification queue (7)My SHGsEMI follow-upInterest share ledger

Application	SHG	ALF	Activity	Amount	AI priority	Waiting
SN/2026/BRM/00185	Annapurna SHG	Station Road	Food processing	₹2,00,000	Visit first	1 day	Verify
SN/2026/BRM/00188	Jyothi SHG	Station Road	Mushroom	₹1,50,000	Routine	4 days	Verify
SN/2026/BRM/00187	Pragati SHG	Gandhi Nagar	Poultry	₹80,000	Routine	2 days	Verify

AI Why Annapurna SHG is first

Two members also appear in an active loan of Sakhi SHG (Karad). The requested amount is 40% above similar food-processing units in Pune district.

The AI suggests what to check on the visit. Your field report decides the recommendation.

Field verification – Jyothi SHG

Visit date

Members present

Observations

Visit photos (geo-tagged)

Or dictate observations in Marathi; AI types them out

Recommendation

Amount recommended (₹)

Interest share ledger EMI interest is 4%: ALF gets 2%, CLF gets 2%, auto-credited monthly

Month	EMIs collected	Interest collected (4%)	ALF share (2%)	CLF share (2%)	Credited on	Ref
Sep 2026	36	₹9,820	₹4,910	₹4,910	05 Oct	ISH-0926-BRM
Aug 2026	35	₹10,410	₹5,205	₹5,205	05 Sep	ISH-0826-BRM

The same screen serves ALFs (scoped to their own SHGs, sees the ALF 2% column) and CLFs (scoped to all ALFs under them, sees both). The ALF share is split across the 6 ALFs according to whose SHG paid the EMI. Who verifies (ALF only, ALF + CLF, or ULB) is set in D-09.

Baramati Municipal Council

Pune Division · Pune district · FY 2026-27

Funds received from DMA

₹48.5 L

3 releases

Disbursed to SHGs

₹45.0 L

36 SHGs

Pending disbursal

₹3.5 L

3 SHGs · oldest 9 days

Outstanding

₹31.2 L

Collection efficiency

92%

Defaulters

Revolving pool

₹6.8 L

available to re-lend

EMI due vs collected ₹ lakh · last 6 months

MayJunJulAugSepOct

DueCollected

Action items

3 SHGs waiting for fund transfer

9 evidence uploads to review

4 SHGs overdue > 30 days

5 SHG registrations to approve

₹6.8 L available for re-lending

Fund disbursement

Linked account: Baramati Municipal Council · SBI ●●●●7781 · Balance ₹3,52,140

Release order (DMA)	Received on	Fund request	Amount	SHGs	Disbursed	Status
RO/2026-27/058	30 Sep 2026	FR/2026-27/009	₹6,30,000	5	2 / 5	Partially disbursed
RO/2026-27/031	05 Jun 2026	FR/2026-27/007	₹14,20,000	14	14 / 14	Completed
RO/2025-26/112	18 Feb 2026	FR/2025-26/021	₹28,00,000	17	17 / 17	Completed

RO/2026-27/058 · SHG-wise break-up

SHG	Loan a/c	Bank a/c	Amount	Status	UTR
Lakshmi SHG	SN-LN-26-00611	●●●●3301 verified	₹1,50,000	Transferred	SBIN226270088120
Pragati SHG	SN-LN-26-00612	●●●●9022 verified	₹1,30,000	Transferred	SBIN226270088121
Jyothi SHG	SN-LN-26-00613	●●●●1180 verified	₹1,50,000	Pending
Annapurna SHG	SN-LN-26-00614	●●●●4471 verified	₹1,00,000	Pending
Ramai SHG	SN-LN-26-00615	●●●●0093 name mismatch	₹1,00,000	Failed – returned	Fix account
Selected: 2 SHGs			₹2,50,000

Repayments & defaulters

Baramati Municipal Council · 38 active loans

Current

₹26.1 L

1–30 days

₹0.26 L overdue

31–60 days

₹0.17 L

61–90 days

₹0.26 L

90+ · Defaulter

blocked

SHG	ALF	Loan a/c	EMI	EMIs paid	Overdue	Days	Bucket	AI: misses next EMI?	Last reminder	Actions
Navodaya SHG	Gandhi Nagar	SN-LN-25-00301	₹8,515	5 / 12	₹25,545	96	Defaulter	—	SMS · 02 Oct	Follow-up log · Recovery plan
Deepa SHG	Station Road	SN-LN-25-00288	₹12,773	6 / 12	₹25,546	72	61–90	High · 86%	Call · 30 Sep	Remind · Log visit
Kaveri SHG	Gandhi Nagar	SN-LN-26-00390	₹8,515	2 / 12	₹8,515	25	1–30	Medium · 48%	WhatsApp · 01 Oct	Remind · Log visit
Ganga SHG	Station Road	SN-LN-26-00412	₹8,515	3 / 12	₹0	—	Current	Medium · 41%	Auto D-3 · today	Remind
Shakti Mahila SHG	Gandhi Nagar	SN-LN-26-00457	₹8,515	3 / 12	₹0	—	Current	Low · 6%	Auto D-3 · today	View

AI early warning 3 SHGs may miss the 10 Oct EMI

Ganga SHG is current, but its payments have come later each month (2, 5 and 8 days late) and its dairy sales fell in September.

Suggested: a Marathi voice call from the ALF this week instead of another SMS. Smart reminders go at the time each SHG usually pays.

Defaulter status is set automatically by the rule in D-09 (default: 90 days / 3 EMIs); AI never marks a defaulter. The ULB can add a recovery plan. Only DMA can lift a block (D-08).

Evidence review

9 submissions pending · avg. review time 2.4 days

SHG / milestone	Amount	Flags
Lakshmi SHG M2 · Tailoring machines	₹60,000	GPS 4 km off
Pragati SHG M1 · Poultry shed	₹45,000	AI: all checks passed
Kaveri SHG M3 · Income report Sep	—
Jyothi SHG M1 · Mushroom unit setup	₹38,000	AI: duplicate photo

Lakshmi SHG · M2 Tailoring machines Submitted 03 Oct

Photo 1 · 03 Oct 11:20

Photo 2

Invoice – 5 machines

Map: photo vs activity location

Planned amount

₹60,000

Claimed amount

₹60,000 (invoice INV-2219, Sri Ganesh Traders)

Location check

Photo taken 4.1 km from registered activity address

AI pre-check 3 of 4 checks passed

Photo 1 shows 5 sewing machines, matching the invoice. 93%
Invoice read automatically: INV-2219, Sri Ganesh Traders, ₹60,000, GST number valid.
The photos are not used by any other SHG in Maharashtra.
Location is 4.1 km away; the machines may be at a member's home. A site visit is suggested.

Decision

Accepted amount (₹)

Remarks

If the evidence isn't uploaded by the planned date, reminders go to the SHG and ALF; after 30 days it appears as "Utilisation not proven" in DMA and division reports.

Revolving fund – Baramati Municipal Council

Principal repaid by SHGs, available to lend again

Principal repaid (cumulative)

₹12.4 L

Interest passed to ALF + CLF

₹0.76 L

2% + 2%, not in pool

Re-lent

₹5.6 L

5 SHGs

Pending DMA approval

₹0.4 L

Available

₹6.8 L

New re-lending proposal

Eligible SHG (submitted & verified applications)

AI ranking Best next SHGs for this pool

1. Kavya Mahila SHG	Vermicompost · ₹1.2 L	Repay 94%
2. Savitri SHG	Dairy · ₹1.0 L	Repay 91%
3. Ekta SHG	Papad unit · ₹0.8 L	Repay 88%

Ranked by likelihood of repayment, savings regularity and waiting time. Defaulters are excluded by rule, not by AI.

Amount (₹)

Tenure

Interest

Pool after this loan

Justification

Proposal	SHG	Amount	Status
RL-BRM-006	Sneha SHG	₹40,000	With DMA
RL-BRM-005	Usha SHG	₹1,00,000	Disbursed
RL-BRM-004	Mahalakshmi SHG	₹1,50,000	Disbursed
RL-BRM-003	Navodaya SHG	₹80,000	Rejected – defaulter

Pool ledger (latest)

05 Oct	EMI receipts (36)	+ ₹2,94,300
05 Oct	Interest to ALFs (2%)	− ₹4,910
05 Oct	Interest to Baramati CLF (2%)	− ₹4,910
12 Sep	Re-lent RL-BRM-005	− ₹1,00,000

DMA – Maharashtra overview

6 divisions · 36 districts · 424 ULBs (412 live) · FY 2026-27 · updated 5 min ago

Application pipeline

Received

14,860

→

Under DMA review

920

Review

→

With Agri Dept

2,340

→

Approved

9,640

Rejected

1,560

Fund pipeline (₹)

Received from Agri

112.4 Cr

→

Released to 412 ULBs

109.8 Cr

2.6 Cr at DMA

→

Disbursed to SHGs

104.6 Cr

5.2 Cr idle at ULBs

→

Utilisation proven

83.7 Cr

80% of disbursed

→

Repaid (revolving)

28.9 Cr

Outstanding 75.7 Cr

Division-wise status Drill down Division report

Division	Districts	ULBs	SHGs funded	Disbursed	Outstanding	Collection	Defaulters
Konkan	7	55	2,150	₹23.6 Cr	₹17.1 Cr	88%	92	›
Pune	5	94	2,480	₹27.1 Cr	₹19.4 Cr	93%	58	›
Nashik	5	69	1,520	₹16.4 Cr	₹11.9 Cr	90%	61	›
Chh. Sambhajinagar	8	86	1,610	₹17.2 Cr	₹12.6 Cr	86%	88	›
Amravati	5	58	910	₹9.6 Cr	₹7.1 Cr	87%	47	›
Nagpur	6	62	970	₹10.7 Cr	₹7.6 Cr	91%	34	›
Maharashtra	36	424	9,640	₹104.6 Cr	₹75.7 Cr	89%	380

AI insights This week

Idle funds: 31 ULBs hold ₹5.2 Cr for over 7 days; 9 of them are in Chh. Sambhajinagar division.
Default risk: 214 SHGs are likely to miss the October EMI (most in Beed, Latur and Nanded).
Evidence: 38 photo sets reused across SHGs were flagged for field visits.

Based on repayment ledger, bank feeds and evidence uploads · refreshed 05 Oct 06:00

Alerts

Latur Municipal Corporation: ₹40 L undisbursed for 18 daysView

FR/2026-27/010 with Agri Dept for 32 days (SLA 21)Escalate

12 ULBs not yet onboarded (bank account / PFMS pending)List

38 re-lending proposals waitingReview

Application review

920 applications from 268 ULBs ready for DMA review

Application	SHG	ULB	Activity	Amount	Verified by	AI risk	Flags	Age
SN/2026/BRM/00188	Jyothi SHG	Baramati Municipal Council	Mushroom	₹1,50,000	ALF CLF	Low · 12		3 d
SN/2026/KRD/00042	Vasantha SHG	Karad Municipal Council	Dairy	₹2,00,000	ALF ULB	Low · 18		5 d
SN/2026/LTR/00117	Ujwala SHG	Latur Municipal Corporation	Poultry	₹90,000	ALF	Medium · 41		6 d
SN/2026/LTR/00116	Sahana SHG	Latur Municipal Corporation	Trade	₹3,00,000	ALF	Medium · 55	Non-agri activity	6 d
SN/2026/BRM/00185	Annapurna SHG	Baramati Municipal Council	Food processing	₹2,00,000	ALF	High · 78	Member in other SHG loan	7 d

Jyothi SHG Verified

Activity

Mushroom cultivation

Amount / tenure

₹1,50,000 / 18 months

Project cost

₹1,70,000 (own ₹20,000)

Members

12 · all eKYC

Past loans

None

ALF remark

Recommend · visit 18 Sep

Business plan Resolution Visit photos

AI summary Risk 12 / 100

Strong case. 4 years of regular savings, no past default, and the plan covers the EMI 2.3 times. The unit cost is within the Agriculture norm for mushroom units (₹1.4–1.8 L).

Main factors: savings regularity (+), ALF visit done (+), first loan (neutral). AI only advises; the DMA officer decides.

DMA remarks

Flags are rule checks: activity eligibility, amount limits, duplicate members across active loans, defaulter list, missing documents. The AI risk score (0–100) comes from a model trained on repayment history. It never rejects on its own and always shows its top 3 factors.

Fund Requests › New

Fund request FR/2026-27/011

Draft

Request details

Financial year

Scheme / budget head

Addressed to

Covering letter

Applications included (1,240) – by division + Add more

Division	Districts	ULBs	SHGs	Dairy	Poultry	Goatery	Others	Amount
Konkan	7	24	276	58	71	34	113	₹3,02,00,000	Districts
Pune	5	41	318	124	66	41	87	₹3,46,00,000	Districts
Nashik	5	32	196	61	38	44	53	₹2,10,00,000	Districts
Chh. Sambhajinagar	8	44	228	52	47	69	60	₹2,41,00,000	Districts
Amravati	5	22	108	27	22	31	28	₹1,14,00,000	Districts
Nagpur	5	23	114	30	25	26	33	₹1,27,00,000	Districts
Maharashtra	35	186	1,240	352	269	245	374	₹13,40,00,000

Summary

SHGs

1,240

ULBs

186 of 424

Districts

35 of 36

Amount

₹13.40 Cr

Avg / SHG

₹1.08 L

Budget available

₹38.60 Cr

AI check Before you send

All 1,240 meet the scheme rules.
17 have a unit cost above the Agri norm, so a partial sanction is likely. View
Gadchiroli has no applications this cycle.

Previous requests

FR/…/010	₹9.6 Cr	Scrutiny · 32 d
FR/…/009	₹12.8 Cr	Releasing to ULBs
FR/…/007	₹11.0 Cr	Fully released

After sending, every included application moves to status "In Fund Request" and SHGs are notified.

FR/2026-27/009 – decision received

Decision by Agriculture Dept on 22 Sep 2026 · Sanction order SO/AGRI/2026/164

Requested

₹12.80 Cr

1,180 SHGs · 172 ULBs

Approved

₹11.20 Cr

1,026 SHGs (58 partial)

Rejected

154

₹1.31 Cr

Received in DMA account

₹11.20 Cr

UTR SBIN226690018342 · 26 Sep

Funds received match the approved amount. Reconciled automatically with the bank statement.

Division	ULBs	Requested SHGs	Approved	Partial	Rejected	Approved amount
Konkan	22	262	238	12	24	₹2.61 Cr
Pune	38	296	264	15	32	₹2.88 Cr
Nashik	29	188	162	9	26	₹1.76 Cr
Chh. Sambhajinagar	41	228	190	11	38	₹2.04 Cr
Amravati	20	101	84	5	17	₹0.91 Cr
Nagpur	22	105	88	6	17	₹1.00 Cr
Maharashtra	172	1,180	1,026	58	154	₹11.20 Cr

Approved (968)Partial (58)Rejected (154)

Application	SHG	ULB	Requested	Approved	Decision	Agri remark
SN/2026/BRM/00161	Savitribai SHG	Baramati Municipal Council	₹1,00,000	₹1,00,000	Approved
SN/2026/KRD/00031	Vaishali SHG	Karad Municipal Council	₹2,00,000	₹1,50,000	Partial	Unit cost norm ₹1.5 L
SN/2026/LTR/00098	Rohini SHG	Latur Municipal Corporation	₹3,00,000	—	Rejected	Activity not under agri & allied

"Publish" sends: approved SHGs → SMS with approved amount; rejected SHGs → reason and option to re-apply; ULB / ALF / CLF → their lists. For partial approvals the SHG must accept the revised amount (and revised milestones) before release.

Statewide release to ULBs – FR/2026-27/009

DMA account SBI ●●●●0042 · ₹11,20,00,000 for 1,026 SHGs in 172 ULBs across 6 divisions

Released

₹4.91 Cr

52 ULBs · UTR received

Ready to release

₹6.12 Cr

116 ULBs · account verified

Blocked

₹0.17 Cr

4 ULBs · account issue

Batch progress

30%

52 of 172 ULBs

Konkan22 ULBs · 238 SHGs

₹2.61 Cr

All released

Pune38 ULBs · 264 SHGs

₹2.88 Cr

30 · 7 ready · 1 blocked

Nashik29 ULBs · 162 SHGs

₹1.76 Cr

29 ready

Chh. Sambhajinagar41 ULBs · 190 SHGs

₹2.04 Cr

39 ready · 2 blocked

Amravati20 ULBs · 84 SHGs

₹0.91 Cr

20 ready

Nagpur22 ULBs · 88 SHGs

₹1.00 Cr

21 ready · 1 blocked

ULB	Type	District	SHGs	Amount	ULB account	Release order	Status
Pimpri-Chinchwad Municipal Corporation	Corporation	Pune	31	₹33,60,000	●●●●4418 PFMS	RO/2026-27/057	Released · 30 Sep
Baramati Municipal Council	Council	Pune	5	₹6,30,000	●●●●7781 PFMS	RO/2026-27/058	Released · 30 Sep
Karad Municipal Council	Council	Satara	12	₹14,10,000	●●●●2210 PFMS	—	Ready
Phaltan Municipal Council	Council	Satara	9	₹9,60,000	●●●●6037 PFMS	—	Ready
Ichalkaranji Municipal Corporation	Corporation	Kolhapur	15	₹16,20,000	●●●●1190 PFMS	—	Ready
Pandharpur Municipal Council	Council	Solapur	8	₹8,40,000	●●●●3352 PFMS	—	Ready
Manchar Nagar Panchayat	Nagar Panchayat	Pune	3	₹3,00,000	●●●●8820 PFMS	—	Ready
Jejuri Municipal Council	Council	Pune	4	₹4,10,000	Name mismatch	—	Blocked
Pune Division · showing 8 of 38 ULBs			264	₹2,88,00,000	Load more

AI pre-release check 116 transfers scanned

All 116 account names match PFMS records.
Jejuri MC: the bank account name differs from the ULB name, so it stays blocked until fixed.
3 ULBs still hold over 50% of their last release unspent: Phaltan, Wai, Malvan. Release anyway, or hold?

One bulk payment file is generated per batch. Each line carries the ULB account, amount and release-order number. UTRs come back from the PFMS / bank response file and are matched to each ULB automatically. Failed lines can be re-queued alone. Maker–checker with DSC applies to every batch. Each ULB receives an SMS, an email and a dashboard notification with its SHG-wise list; each SHG receives "Funds sent to your ULB". If a ULB keeps funds undisbursed for more than 7 days, it raises an idle-funds alert on D-01 and in the division report.

Money flow tracker

Where is the money now, and where was it used?

SO/AGRI/2026/112 · ₹9.84 Cr · 154 ULBs in 6 divisions

Agri Dept

₹9.84 Cr

28 May

→5 d

DMA

₹9.84 Cr

Fully released

→3–9 d

154 ULBs

₹9.84 Cr

₹21 L idle (3 ULBs)

→avg 4 d

905 SHGs

₹9.63 Cr

→

Use proven

₹7.70 Cr

80% · ₹1.93 Cr pending evidence

→

Repaid

₹2.42 Cr

re-lent ₹0.60 Cr

AI anomaly watch 3 patterns need attention

Round-tripping risk: 4 SHGs in Beed paid the same vendor account within 2 days of receiving funds, and the vendor is a member's relative. Open case
Idle funds forecast: Malvan, Wai and Phaltan MCs will cross 7 days idle on 08 Oct at their current pace.
UTR auto-match: 1,019 of 1,026 bank credits were matched automatically. 7 need manual matching. Match now

Trace · Shakti Mahila SHG (SN-LN-26-00457)

Hop	From → To	Date	Amount	Reference	Days held
1	Agri Dept → DMA	02 Jun	₹1,00,000	SBIN226020011987	5
2	DMA → Baramati Municipal Council	05 Jun	₹1,00,000	SBIN226150031220	3
3	Baramati Municipal Council → SHG	08 Jun	₹1,00,000	SBIN226180045771	3
4	SHG → Shed construction	Jul	₹32,000	Evidence M1 ✓
5	SHG → Fodder & equipment	Aug	₹40,000	Evidence M2 ✓
6	SHG → ULB pool (principal, EMI 1–3)	Jul–Sep	₹24,627	3 receipts
7	SHG → Gandhi Nagar ALF / Baramati CLF (interest 2% + 2%)	Jul–Sep	₹459 + ₹459	auto-split

Where was the money used? proven, by activity

Dairy

₹31.2 Cr

Poultry

₹18.4 Cr

Goatery

₹12.6 Cr

Food processing

₹8.9 Cr

Mushroom

₹6.1 Cr

Vermicompost & others

₹6.5 Cr

Pending evidence

₹20.9 Cr

Statewide FY 2026-27 · proven ₹83.7 Cr of ₹104.6 Cr disbursed

Re-lending approvals

38 proposals pending from 27 ULBs · ₹41.6 L

Proposal	ULB	SHG	Activity	Amount	ULB pool	Checks
RL-BRM-006	Baramati Municipal Council	Sneha SHG	Vegetable vending	₹40,000	₹6.8 L	Eligible Pool ok
RL-KRD-002	Karad Municipal Council	Asha SHG	Dairy	₹1,50,000	₹2.1 L	Eligible Pool ok
RL-LTR-004	Latur Municipal Corporation	Roja SHG	Poultry	₹1,40,000	₹0.9 L	Pool insufficient

An approved re-lending loan follows the same path as a fresh loan from "Released to ULB" onwards: ULB disburses (U-02), EMI schedule, evidence, reminders. The money source is tagged "Revolving fund" for reports.

Defaulter register

380 SHGs statewide · ₹4.9 Cr overdue · 4,180 members blocked

SHG	ULB	Loan a/c	Overdue	Days	Members blocked	Since	Recovery	Status
Navodaya SHG	Baramati Municipal Council	SN-LN-25-00301	₹25,545	96	12	18 Sep 2026	Plan: 3 instalments	Blocked	›
Chaitanya SHG	Latur Municipal Corporation	SN-LN-25-00144	₹61,200	184	14	02 Jun 2026	Notice issued	Blocked	›
Bhoomi SHG	Karad Municipal Council	SN-LN-24-00087	₹0	—	0	—	Fully repaid	Unblock requested	Review

Block check runs at loan application and re-lending: SHG ID, member Aadhaar, and bank account. Moving a defaulting member to a new SHG does not get around the block.

Settings

Changes are versioned and apply to new loans only.

Loan product & interestReminders & defaultWorkflowDivisions, districts & ULBsAI controlsAppearanceUsers & rolesNotification templates

Loan product

Min amount (₹)

Max amount (₹)

Allowed tenures (months)

EMI due day

Interest method

Eligible activities

New loan allowed when

Interest & split % per annum

Component	Rate
Total interest (member level)
Retained by SHG
Charged in EMI
↳ Area Level Federation (ALF) share
↳ City Level Federation (CLF) share
Principal repaid goes to
Penal interest on overdue

Validation: ALF + CLF must equal the EMI rate (2 + 2 = 4).

Reminder schedule

Default & workflow rules

Mark defaulter after (days overdue)

or EMIs missed

Block members by Aadhaar

Who can lift block

Verification before DMA review

ALF CLF ULB

Idle fund alert after (days)

Agri scrutiny SLA (days)

Appearance defaults users can still pick their own from the palette button in the top bar

Portal colour theme

Default mode

Default text size

Users can change theme

Allowed for all roles

AI controls Turn each AI feature on or off and set its limits

Feature	Used in	Threshold	Human step	Last model review
Document OCR (Aadhaar mask, passbook, bills)	C-03, S-06, U-04	Confidence ≥ 90% to auto-fill	User confirms fields	Sep 2026
Evidence photo checks (object, geo, duplicate)	S-06, U-04	Geo distance > 2 km = flag	ULB accepts / rejects	Sep 2026
Application risk score	F-01, D-02, A-02	High ≥ 70	Officer decides; no auto-reject	Aug 2026 · bias check passed
EMI default prediction & smart reminders	U-03, D-01	Alert ≥ 40%	ALF / ULB calls	Sep 2026
Fund-flow anomaly & idle-fund detection	D-05, D-06	Idle > 7 days or unusual pattern	DMA reviews	Sep 2026
AI chatbot: Sakhi Mitra (SHG) / Sakhi AI (officers)	All role screens, R-04	Answers only from scheme rules and the SHG's own data	Hand-off to helpdesk	Sep 2026
Ask AI (natural-language reports)	D-10, D-01, R-03	Read-only, role-scoped data	Shows query and source	Sep 2026

All AI models are hosted in India (MeitY-empanelled cloud or State Data Centre). Aadhaar numbers and bank account numbers are masked before any AI step. Each AI output is logged with model version, inputs, confidence and the final human decision, for audit and for bias review by division and social category.

Ask AI

Answers from live Sakhi Nidhi data · read-only · scoped to Maharashtra (DMA)

AI Expected EMI misses in November 2026, by division

About 1,075 SHGs (11.2%) are likely to miss the November EMI. Chh. Sambhajinagar is highest at 16%, mainly goatery and dairy loans in Beed, Latur and Nanded, where the kharif crop was weak and milk prices fell. Pune is lowest at 7%.

Chh. Sambhajinagar

258 · 16%

Konkan

280 · 13%

Amravati

109 · 12%

Nashik

167 · 11%

Nagpur

87 · 9%

Pune

174 · 7%

Suggested actions

Ask ALFs in Beed, Latur and Nanded to visit the 112 highest-risk SHGs before 05 Nov.
Turn on e-NACH auto-debit for 340 SHGs that pay late but always pay.

Source: repayment ledger and default-prediction model v2.3 · 9,640 active loans · data as of 05 Oct 2026 06:00 · Show query · Download table

Show the SHGs in BeedDefaulters by divisionहेच मराठीत सांगाWhich ULBs in Beed?

Try asking

Which ULBs have held funds for more than 7 days?

How much did ALFs and CLFs earn in interest this quarter?

Top 10 activities by repayment rate

गेल्या महिन्यात किती बचत गटांना निधी मिळाला?

Nagar panchayats with no applications this year

Weekly AI briefing every Monday 8 am

Sent by email and WhatsApp to the Director and the 6 Divisional Joint Directors: top risks, idle funds, pending approvals, SLA breaches.

The question becomes a read-only SQL query on the reporting replica, never on the live transaction database. Row-level security applies the user's scope. Personal data (names, Aadhaar, phone numbers) is never sent to the language model; only aggregated results are. Every answer is logged.

Fund requests from DMA

Agriculture Department · Livelihood cell

New

Under scrutiny

1 beyond SLA

Decided, release pending

Released (FY)

₹112.4 Cr

Request no.	Received	SHGs	ULBs	Amount	Days	Status
FR/2026-27/011	05 Oct 2026	1,240	186	₹13,40,00,000	0	New	Open
FR/2026-27/010	03 Sep 2026	884	158	₹9,60,00,000	32	Under scrutiny	Open
FR/2026-27/009	01 Sep 2026	1,180	172	₹12,80,00,000	21	Funds released	View

Fund Requests › FR/2026-27/010

Scrutiny – FR/2026-27/010

884 SHGs · 158 ULBs · 6 divisions · ₹9,60,00,000 requested

AI pre-scrutiny 884 applications checked against Agriculture Dept norms

702 match all norms (suggested: approve) · 131 are above the unit-cost norm (suggested: partial, amount pre-filled) · 51 need a closer look (non-agri activity, duplicate member or missing quotation).

The suggestions only pre-fill the decision column. An officer must confirm every row, and the sanction order records who decided.

Application	SHG / ULB	Activity	Requested	AI suggests	Approved (₹)	Reason / remark
SN/2026/KRD/00042	Vasantha SHG Karad MC · Satara · Pune Div.	Dairy	₹2,00,000	Partial ₹1.5 L			Details
SN/2026/BRM/00188	Jyothi SHG Baramati MC · Pune · Pune Div.	Mushroom	₹1,50,000	Approve			Details
SN/2026/LTR/00116	Sahana SHG Latur M Corp · Latur · Chh. Sambhajinagar Div.	Trade	₹3,00,000	Review: non-agri			Details
SN/2026/LTR/00117	Ujwala SHG Latur M Corp · Latur · Chh. Sambhajinagar Div.	Poultry	₹90,000	Approve			Details
Decided 612 / 884			₹9,60,00,000		₹6,74,00,000	Approved so far

Sanction order

Sanction order no.

Date

Upload signed sanction order (or auto-generate from decisions)

Fund release to DMA

Amount released (₹)

UTR / transaction ref.

Release date

To account

Submitting is locked until every SHG has a decision. DMA is notified immediately; the DMA receipt is reconciled against the UTR entered here (D-04).

ULB report – Baramati Municipal Council

FY 2026-27 · as on 05 Oct 2026

SHGs funded

Sanctioned

₹48.5 L

Disbursed

₹45.0 L

Repaid

₹13.8 L

Outstanding

₹31.2 L

Overdue

₹0.95 L

Utilisation proven

78%

SHG	ALF	Activity	Source	Sanctioned	Disbursed on	EMIs	Outstanding	Overdue	Utilisation	Status
Shakti Mahila SHG	Gandhi Nagar	Dairy	Fresh	₹1,00,000	08 Jun 26	3/12	₹75,373	₹0	72%	Regular
Lakshmi SHG	Station Road	Tailoring	Fresh	₹1,50,000	27 Sep 26	0/12	₹1,50,000	₹0	Review	Regular
Kaveri SHG	Gandhi Nagar	Poultry	Fresh	₹1,00,000	02 Jun 26	2/12	₹83,609	₹8,515	100%	Overdue 25 d
Usha SHG	Station Road	Vermicompost	Revolving	₹1,00,000	14 Sep 26	0/12	₹1,00,000	₹0	0%	Regular
Navodaya SHG	Gandhi Nagar	Dairy	Fresh	₹1,00,000	12 Jan 26	5/12	₹58,818	₹25,545	60%	Defaulter

Division report – Pune Division

5 districts · 94 ULBs (6 corporations · 56 councils · 32 nagar panchayats) · FY 2026-27

SHGs funded

2,480

Released to ULBs

₹28.0 Cr

Disbursed to SHGs

₹27.1 Cr

Idle at ULBs

₹0.9 Cr

7 ULBs > 7 days

Collection efficiency

93%

Defaulters

District-wise Open in drill-down

District	ULBs	SHGs	Released	Disbursed	Idle	Outstanding	Collection	Defaulters	Utilisation
Pune	29	980	₹11.2 Cr	₹10.8 Cr	₹0.4 Cr	₹7.8 Cr	94%	18	82%
Satara	17	470	₹5.1 Cr	₹5.1 Cr	₹0	₹3.6 Cr	95%	9	85%
Sangli	14	340	₹3.8 Cr	₹3.6 Cr	₹0.2 Cr	₹2.6 Cr	91%	11	76%
Kolhapur	16	390	₹4.4 Cr	₹4.3 Cr	₹0.1 Cr	₹3.0 Cr	93%	8	80%
Solapur	18	300	₹3.5 Cr	₹3.3 Cr	₹0.2 Cr	₹2.4 Cr	90%	12	74%
Pune Division	94	2,480	₹28.0 Cr	₹27.1 Cr	₹0.9 Cr	₹19.4 Cr	93%	58	80%

ULB-wise · Pune & Satara (showing 5 of 46)

ULB	Type	District	SHGs	Released	Disbursed	Idle	Outstanding	Collection	Defaulters	Utilisation
Pimpri-Chinchwad Municipal Corporation	Corp.	Pune	212	₹2.41 Cr	₹2.33 Cr	₹8.0 L	₹1.71 Cr	93%	5	81%
Baramati Municipal Council	Council	Pune	36	₹48.5 L	₹45.0 L	₹3.5 L	₹31.2 L	92%	2	78%
Karad Municipal Council	Council	Satara	29	₹38.2 L	₹38.2 L	₹0	₹27.9 L	95%	0	84%
Phaltan Municipal Council	Council	Satara	22	₹30.0 L	₹30.0 L	₹0	₹23.1 L	81%	3	61%
Wai Municipal Council	Council	Satara	18	₹22.4 L	₹22.4 L	₹0	₹15.0 L	97%	0	90%

Collection efficiency by district %

Satara

95%

Pune

94%

Kolhapur

93%

Sangli

91%

Solapur

90%

AI summary Pune Division

Collection is the best in the state (93%). The weak spot is Solapur district: utilisation is 74%, and 4 nagar panchayats there have not uploaded evidence for 45 days. Suggested action: an ALF field drive in Solapur before the November EMI.

Divisional Joint Directors get a weekly email digest of this report. They are alerted when a ULB falls below 85% collection or holds idle funds for more than 7 days.

DMA reports

Maharashtra · 6 divisions · 424 ULBs · FY 2026-27

AI-written summary For the monthly review meeting · Sep 2026

In September, DMA released ₹4.91 Cr to 52 ULBs, and SHGs repaid ₹3.1 Cr, giving 89% collection statewide (up 1 point). Pune division leads at 93%; Chh. Sambhajinagar trails at 86%, mainly in Beed and Latur. ₹5.2 Cr sits idle in 31 ULBs. Evidence is pending for ₹20.9 Cr, and over half of it is from loans disbursed in the last 60 days.

Every figure links to its source table. Edit before sharing; the final text is saved with the editor's name.

Fund reconciliation ₹ crore

Stage	In	Out	Balance held
Agriculture Dept → DMA	—	112.40	—
DMA account	112.40	109.80	2.60
ULB accounts (412)	109.80	104.60	5.20
SHG accounts (proven use)	104.60	83.70	20.90 pending evidence
Principal repaid → ULB pools	28.90	7.40 re-lent	21.50
Interest (4%) → ALF 2% / CLF 2%	2.00	1.00 / 1.00	0

Sanctioned vs disbursed vs repaid ₹ crore · by quarter

Q3 25-26Q4 25-26Q1 26-27Q2 26-27

SanctionedDisbursedRepaid

Standard report library

Applications
Pipeline by status · Rejection reasons · Turnaround time per stage

Funds
Fund request register · Release orders · Idle funds ageing · UTR reconciliation

Repayment
Demand vs collection · Overdue ageing · Defaulter register · Interest share (ALF 2% / CLF 2%)

Utilisation
Activity-wise usage · Evidence pending · Geo-tag exceptions

Revolving fund
Pool balance by ULB · Re-lending cycles · Second-cycle SHGs

Registrations
Entity counts by level · Pending approvals · Blocked members

API: GET /api/drill/{level}/{id}?fy=2026-27&sort=disb returns the node's KPIs plus its children, from a nightly materialised view (state, division, district, ULB) and live SHG loan ledgers at the leaf. Scope comes from the user's role: requests above the scope root return 403, so breadcrumbs above it are greyed out. Search uses the ULB master (FC-16) and the SHG register. Export downloads the current level with the same columns. The AI insight on each level is computed from the same numbers on screen and can be asked about in the chatbot.