Groupe Reserve Fund
The Group Reserve Fund is an exclusive savings fund maintained by IVDP SHGs. Each SHG is required to deposit an amount ranging from Rs. 25,000 to Rs. 1,50,000 depending on the group's age. This reserve enhances the SHG's credibility, making it easier to secure bank loans.
| Tamil Nadu Grama Bank | Rs. 121.81 Crore |
| Indian Bank | Rs. 48.53 Crore |
| Bank of India | Rs. 7.67 Crore |
| Bank of Baroda | Rs. 14.70 Crore |
| State Bank of India | Rs. 8.97 Crore |
| Union Bank of India | Rs.2.16 Crore |
TOTAL RESERVE FUND AS ON MARCH 2025
RS. 203.93 CRORE
Dividend and Excess Savings
Self-Help Group (SHG) members rotate their savings among themselves at a nominal interest rate. Initially, the accumulated interest is shared among members after five years. After the fifth year, the accumulated interest is distributed every two years, once the group's expenses are deducted, and this is referred to as the dividend.
This system fosters trust in the group's activities and encourages members to save more money through their SHG.
TOTAL DIVIDEND RECEIVED BY IVDP SHG MEMBERS TILL MARCH 2025
RS. 1,005.41 CRORE