Access to financial services plays a crucial role in poverty alleviation and inclusive growth. SHGs adopting Panchasutra and following good management & financial norms (proper use of savings, and revolving fund) are being supported further with provision of RF & CIF through MCP mode for enlarging opportunities for livelihoods and various other needs. This enables SHGs to access loans and undertakes income generation activities individually as per the Micro Credit Plan and increases incomes. Proper use of RF & CIF inculcates financial discipline among SHG members and helps them in accessing bank loan. The focus in previous year was streamlining the process of RF& CIF, building community cadre for MCLP preparation and initiate the SHG-Credit linkages.