Stree Nidhi credit cooperative Federation Ltd., is promoted by the Government and the MandalSamkahyas to supplement credit flow from banking sector and is a flagship programme of the Government. Sthree Nidhi provides timely and affordable credit to the poor SHG members as a part of the overall strategy of SERP and MEPMA for poverty alleviation. SHGs are comfortable to access hassle free credit from Stree Nidhi as and when required using their mobile and therefore do not see any need to borrow from other sources at usurious rates of interest. Stree Nidhi is in a position to extend credit to the SHGs even in far flung areas of the state in 48 hours to meet credit needs for exigencies like health, education and other income generation needs like agriculture, dairy and other activities. As credit availability is linked to grading of MS and VOs, community is keen to improve functioning of the same to access higher amount of credit limits from Stree Nidhi.