The Tamil Nadu Corporation for Development of women Limited (TNCDW) was established
in1983 with the prime objective of bringing about socio-economic development and
empowerment of women. In Tirunelveli District, this project was implemented from
1998 onwards. Initially, it was implemented through the Social Welfare Department
and from July 2006 onwards, brought under the control of Rural Development and Panchayat
Raj Department and reconstituted vide G.O.Ms.No:148, Rural Development and Panchayat
Raj(CGS-II) Department, dated 12.10.2006 to include representatives from industry,
NGO sector, Banks and Specialists who can positively guide the Corporation with
their valuable inputs.
A large part of the activities of the corporation are conducted through selected
Non-Governmental Organizations and other Training Institutions. Funds are obtained
from Government of Tamil Nadu through Budgetary allocations for specific projects
and covered by sanctions through Government Orders. As the organization operates
for a developmental cause, the concept of organizational profitability is not relevant.
No losses have been incurred since inception and there are accumulated reserves.
The head office is in Chennai, Nungampakkam, Annai Theresa Valagam, Near Valluvarkottam
also called the Project Management Unit (PMU), plays a key role at the state level
in implementation of various projects.
For implementation of Mahalir Thittam, district offices were established in all
Districts. The district level PIUs are headed by a Project Officer (PO) in the cadre
of Joint Director assisted by Assistant Project Officers (APOs) in the functional
areas of training, livelihood, monitoring, administration and other schemes, There
is a District Project Coordination Committee (DPCC) headed by the District Collector
as Chairman of Mahalir Thittam for coordinating between the different partners working
on the project and for promoting convergence of services of the different departments.
The SHG movement has grown from strength to strength over the years bringing about
substantial social change among women in the State. It would be the Endeavour of
the Corporation to extend the benefits of the SHG approach to the uncovered areas
of the state and uncovered sections of society. The immediate goal of TNCDW is to
ensure that all poor women particularly widows, destitute, disabled persons, Transgender
and marginalized are included in SHGs in the next three years.
Mahalir Thittam project is being implemented in all rural areas (i.e.) in 257 village
panchayats of 14 blocks of Tirunelveli District through the Block Development Offices
whereas the Vazhudhu Kattuvom Project is being implemented in the rest of the blocks.
In urban areas, it is being implemented through Eos of Town Panchayats, Asst. Commissioner
of Municipalities & Commissioner, Tirunelveli Corporation.
The first and fore most object of Mahalir Thittam is to form and cover all poor
women under the age group of 18 to 65 in the form of Self Helf Groups. In Tirunelveli
District the PIU was established in the year 1998 i.e in the II Phase. So far 23,743
Self Help Groups have been formed and 3,63,564 women enrolled. It includes 88810
During the year 2006-07 and 2007-08, totally 889 Youth Self Help Groups have also
been formed with the enrollment of 14088 youths.
Special initiative have been taken to form special groups which includes differently
abled, HIV AIDS affected, Transgender etc. So far 90 Differently abled, 12 HIV AIDS
affected and 6 Transgender groups have been formed.
After formation of new SHGs, the Animator, Representative-1 and Representative-2,
of that group will be trained to build their capacity. The duration of A&R training
is 6 days with three modules. Record maintenance and group maintenance will be focused
mainly, during this Training.
After completion of A&R Training, SHG Members Training will be imparted to all the
group members. The duration of the training is 4 days with IV Modules. The basic
purpose, objective and knowledge about the SHGs will be facilitated to the group
members to become a good product in a sustainable manner.
To reduce the unemployment problem, Youth Skill Training was introduced in Tirunelveli
District from the year 2007-08 and 1912 youths have been imparted Youth Skill Trainings
(Both Male & Female) under various trades through reputed institutions and job placements
were also ensured to them.
Apart from Youth Skill Training, Enterprise Development Training is given to members
of SHGs. from the year 2008-09. 448 women SHG members were benefited under this
training so far. The training is imparted based on the income generation activities
namely Bakery, Tailoring, Fashion Jewelry Making, Jute Product Training and Beautician
Training through the reputed training institutions which are selected and approved
by PMU, Chennai.
The six months old groups will be rated according to the parameters such as record
keeping, savings, loan lending etc. The eligible groups will be recommended for
Revolving Fund, Direct Credit Linkage & Economic Assistance. The rating is scheduled
and conducted in the Block Offices every month.
To uplift the economic status of each and every member of the SHG, Bank Credit is
one of the most important inputs to empower the SHGs and in turn poverty will be
reducted. Hence, the target is being fixed for the every year by the Government
to enhance the financial status of SHGs through bank linkages. The Bank linkage
amount of Rs.524.12 crores was sanction to SHGs so far. The progress of Direct Credit
Linkage is being reviewed by the District Collector during the DPCC Meeting and
DLRC Meeting in every month.
The Revolving Fund is being released for rural and urban SHGs under SGSY Scheme
and Mahalir Thittam, as 1st linkage to SHG and with the subsidy of Rs.10000 and
Bank Loan to the tune of Rs.50000. 18717 SHGs were given Revolving Fund to the tune
of Rs.85.99 crores to rural and urban SHGs from the year 1999-2000.
Self Help Groups are motivated to start some economic activities to generate additional income to sustain the financial strength of the group. For which, Economic Assistance will be disbursed to the Groups which are functioning well and very enthusiastic in doing viable and profitable business. After rating, subsidy under Economic Assistance with Bank loan amount in the ratio of 1:3 will be released.
Accordingly, 1712 groups were given Economic Assistance from the year 1999-2000 to 2010-11, and disbursed with subsidy and Cash Credit of Bank is Rs.52.53 crores to the rural SHGs. The SHG members were utilized this amount to start economic activities under various trades such as:
Under Mahalir Thittam, a federation of SHGs is formed at the Village Panchayat Level
called Panchayat Level Federation (PLF) comprises of two representatives from each
SHG in the Panchayat. The PLF provides a common platform for the SHGs to share their
experiences and to voice their problems. The PLFs can help to achieve what individual
SHGs cannot, by pooling in talent and resources and exploiting economies of scale
both in production and marketing.
They can also guide and monitor the functioning of SHGs in a Village Panchayat and
also form and train new SHGs. Strengthening of PLFs is the key to achieve sustainable
self reliant. TNCDW’s vision is to build strong and self reliant SHG federations
at Panchayats, Blocks and district levels throughout the State.
After the formation of PLF, the Governance and Finance Management Training will
be given to the Office Bearers of HLFs, PLFs and EC Members of PLFs. From 2008 onwards,
the restructuring of Panchayat Level federations and other various initiatives have
been taken up in Tirunelveli District as detailed:
In order to strengthen the unity and team sprit among the SHG members and bring
out their hidden talents, the following competitions have been conducted at Block
level and District level on Samathuva Pongal Day among Panchayat Level Federation
members and prizes and awards also distributed to them.
At Block Level, the same competitions are conducted by BDOs at Block Head Quarters
among the PLF team in all Blocks and prizes to the first 3 winners are distributed.
The prize amounts as follows:
The District Level Competition are being conducted for all block first prize winners
in 4 events every year. The prize money and Certificates have also been distributed
to the winning teams by the Collector.
In Tirunelveli District, Periyapillaivalasai PLF of Tenkasi Panchayat Union was
awarded STATE LEVEL MANIMEGALAI AWARD with cash award of Rs.3,00,000/- and Jenia
SHG in Rajagopalaperi panchayat of Keezhapavoor Panchayat was selected for best
SHG for the year 2009-10 received prize amount of Rs.1,00,000/-.
District Level Manimegalai Awards are also distributed to the best PLFs with a cash
amount of Rs.1, 00,000 every year.
The Marketing Exhibitions are being conducted in every year for promoting the sales
of SHGs products at Block and District Level. These exhibitions are being programmed
to conduct during the following occasions:
Mahalakhsmi Mahalir Self Help Group was formed at Puthukudi Village of Cheranmahadevi
Block in Tirunelveli District. This Self Help Group was formed on 10.04.2000 and
comprising of 14 members. This Self Help Group is having Bank account with Indian
Bank, Veeravanallur Branch.
This Self Help Group had obtained loan form Indian Bank, Veeravanallur 4 times.
First time, this Self Help Group was sanctioned Revolving Fund for Rs.25000, which
included the subsidy of Rs.10000 on 17.10.2002 and also obtained direct linkages
consecutively for Rs.1,00,000 on 20.09.2005 and Rs.1,66,000 on 25.08.2007. Finally
this group was assisted with the Economic Assistance under SGSY scheme to the tune
of Rs. 3.00 lakhs as bank credit and Rs.1.00 lakhs as subsidy and this group is
regularly repaying its bank loan as per bank demand.
After getting Economic Assistance, this Self Help Group member’s are being involved
in the Handloom Wearing activity. All the 14 members of this SHG had purchased the
Handloom Wearing box machine and other accessories for their activity. Every member
has invested Rs.30000/- per head, to start this activity. A family which is involved
in this activity, is having the capacity to produce 6 Nos. of sarees and their monthly
turnover by this productivity is Rs. 24000 (i.e. Rs.4000 rate per saree x 6 Nos.).
Out of the above monthly turnover of Rs.24000, a family is being met out the regular
expenditure such as, purchase of raw materials, Salary & Traveling Eexpenses totally
for Rs.20600 and a family is earning net income of Rs.3400 per month. This SHG is
selling their sarees to a whole sale dealer at Kumbakonam.
Sabeena Mahalir Self Help Group was formed at Puthukudi Village Cheranmahadevi Block
in Tirunelveli District. This Self Help Group was formed on 18.08.2005 and comprising
of 15 members.
This Self Help Group has its bank account with Indian Bank, Veeravanallur. This
Self Help Group had obtained bank loans for 4 times. The first linkage of this SHG
is for Rs.27000/- as Revolving fund under SGSY Scheme, which included subsidy of
Rs.10000. Further, they had obtained Credit Linkages for 2 times consecutively for
Rs.60000 and Rs.15000. Finally, this Self Help Group was also assisted with an Economic
Assistance to the tune of Rs.320000/- (Rs.240000 as bank loan and Rs.80000 as subsidy)
and this group is regularly repaying its bank loan as per bank demand.
After getting Economic Assistance, the members of SHG are being involved in the
production activity of Mud Stove and Mud flower Pot. All the members of this SHG
are directly involved in this activity and earning the daily income of Rs.100 by
this activity. This Self Help Group is earning Rs.60000/- per month, from this activities
and meet out monthly operating expenses of Rs. 47000/- and net income under this
activity is Rs. 13000/-. This SHG is selling its finished products to Kerala whole