About EShakti

EShakti or Digitisation of SHGs is an initiative of Micro Credit and Innovations Department of NABARD in line with our Hon'ble PM statement, 'we move with the dream of electronic digital India...'. Digital India is a Rs 1.13-lakh crore initiative of Government of India to integrate the government departments and the people of India and to ensure effective governance. It is to "transform India into digital empowered society and knowledge economy".

Keeping in view the Government of India's mission for creating a digital India, NABARD launched a project for digitisation of all Self Help Group (SHG) in the country. The project is being implemented in 250 districts across the country.

Download EShakti Brochure

Download User Manual for Banks

Aims and Objectives:

The project aims at digitisation of all the SHG accounts to bring SHG members under the fold of Financial Inclusion thereby helping them access wider range of financial services together with increasing the bankers' comfort in credit appraisal and linkage by way of:

  • Integrating SHG members with the national Financial Inclusion agenda;
  • Improving the quality of interface between SHG members and Banks for efficient and hassle free delivery of banking services by using the available technology;
  • Facilitate convergence of delivery system with SHGs using Aadhaar linked identity.

The Background:

The need of digitisation of records of SHGs has been felt for quite some time due to patchy and delay in maintenance of books of accounts. Transparent and proper maintenance of records of SHGs will facilitate in nurturing and strengthening of SHGs.

It is also felt that digital empowerment will help in bringing SHGs on a common web based e-platform by making book keeping easy for low literacy clients. This will help in promoting national agenda of Financial Inclusion and pave the way of credibility of SHG data which can later be used by Credit Bureaus to reduce the issues related to multiple financing by banks.

Stakeholders of the Project:

Rural poor community and members of SHGs, Self Help Promoting Institutions (SHPI), Non-Government Organisations(NGOs), Banks, NABARD, Government development departments and agencies like SLRM, NLRM etc. At a later stage Credit Bureaus may also be on board.

Attributes of the project:

The project will also helps in

  • A comprehensive information base and robust MIS can be developed about poor community covered, which may facilitate suitable interventions and convergence of other programme for social and financial empowerment;
  • It will help in identifying suitable interventions and support for proper nurturing and strengthening of SHGs.
  • Ease of transfer of social benefits and Direct Benefit Transfer (DBT) through Aadhaar linked accounts and convergence with other Government benefits;

The USP of EShakti software is 'one-click' availability of social and financial information of all the members of the Self Help Groups.

Components of the Project:

  • Mapping of the existing SHGs in the district (bank wise, branch wise);
  • Training of volunteers to collect SHG wise/ member wise data;
  • Data feeding through a customised software in central server;
  • Hosting of data on the web under a dedicated website i.e. www.eshakti.nabard.org ;
  • Maintaining data centre and data recovery centre;
  • Regular update of the transactional data
  • Generating MIS for various users.


Information of all the SHGs and their members are uploaded onto the website. The transactions are updated through 'apps' on android Mobile/Tablet. Data authenticity is ensured through SMS alerts to members and sample audits. MIS reports on groups are generated and progress is tracked on a real time basis. Overall, the whole ecosystem was designed to address the complex issue related to patchy financial records of SHGs.

Information captured:

@Member Level:

Name, address, gender, marital status, Physically Challenge status, Aadhaar details, Voter ID card details, mobile number, BPL/APL status, membership of any Joint Liability Group (JLG), house type, availability of toilets, electricity connection and other financial details like saving bank account number, savings, borrowing & repayment, life/ medical insurance, micro pension policy (if any).

@SHG level:

Name, address, date of formation, name of SHPI/NGO, programme under which supported, savings habits, lending policy, bank linkage, details of periodic savings collected and internal lending, utilisation of bank credit availed for members.

Output and MIS:

  • Member wise details of SHGs on saving, lending, attendance;
  • SHG and member wise credit history;
  • Financial statement of SHGs - Balance sheet and Profit and Loss account;
  • Grading chart of SHGs;
  • Micro Credit Plan of the SHGs;
  • Audit report;
  • Bank linkage details - savings and credit disbursement;
  • Other periodical MIS on performance of SHGs.


  • Provided credit to SHGs based on real time performance;
  • Significantly reduced Saving-Credit linkage gap;
  • Captured credit history of members;
  • Promoted transparency through real time SMS alerts in 10 languages to members;
  • Aided convergence of SHGs with other Government Programmes;
  • Integrated members with the larger Financial Inclusion Agenda;

Paving way for Credit Linkage:

  • Bank branches to access the portal through Intranet or web link using their branch IFSC and password;
  • More than 31 MIS reports like Savings, meeting, Credit linkage, Repayment and Demand Collection Balance can be generated sitting in the Bank branch itself;
  • Easier processing of loan using EShakti system generated prefilled application forms with all the members and group information.;


  • Sourcing of information from poor database and records;
  • Large scale training and capacity building of SHGs, SHPIs and others involved in implementation of the programme;
  • Capture of field level information from SHGs in a limited time and periodic upload of savings and credit details of SHGs;
  • Cooperation from banks;
  • GPRS connectivity;
  • There will be a huge fund requirement for scaling this pilot from the present level to digitize entire SHGs throughout India.

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