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This technical specification details the exact field structure, simple interest formulas, and meeting ledger parameters to which the Udyami platform maps internal Self-Help Group books for NABARD and NRLM bank credit linkage audits.
| Field Name | Data Type | Audit Rule / Parameter | NRLM Compliance Standard |
|---|---|---|---|
| group_id | STRING | Unique state federation registration code | Mandatory |
| passbook_id | STRING | Sequential member physical ledger card ID | Mandatory |
| monthly_savings_rs | DECIMAL(10,2) | Fixed recurring monthly deposit per member | 100% Attendance Tracked |
| loan_interest_paid_rs | DECIMAL(10,2) | Simple interest calculated at 1.0%–2.0% per month | No Compound Fees |
| cash_box_reconciliation | BOOLEAN | Physical meeting cash must balance before closing | 2-of-3 Executive Sign-off |
{
"group_metadata": {
"shg_name": "Hadoti Mahila Bachat Samiti",
"shg_code": "RJ-HAD-2024-882",
"formation_date": "2021-04-10",
"bank_name": "Rajasthan Marudhara Gramin Bank",
"account_number": "603400192834",
"ifsc_code": "RMGB0000412"
},
"meeting_ledger": {
"meeting_id": "MTG-2026-034",
"meeting_date": "2026-08-15",
"members_present": 14,
"total_members": 15,
"attendance_pct": 93.33
},
"financial_entries": [
{
"passbook_id": "PB-004",
"member_name": "Sunita Devi",
"monthly_savings_rs": 200.00,
"loan_principal_repaid_rs": 1000.00,
"loan_interest_paid_rs": 120.00,
"outstanding_loan_balance_rs": 5000.00,
"payment_mode": "CASH",
"verification_signoff": true
}
],
"audit_summary": {
"total_monthly_savings_collected_rs": 3000.00,
"total_principal_recovered_rs": 8500.00,
"total_interest_earned_rs": 940.00,
"cash_in_box_rs": 1440.00,
"bank_reconciliation_pending_rs": 11000.00
}
}Explore how Udyami captures this exact schema using voice and touch interfaces during weekly SHG meetings.