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Thank you for all your thoughtful comments. Here are answers to some of the questions you had asked: -A rigorous randomized evaluation of the Jeevika program is currently underway, results of which are expected to come by mid 2014. -The recovery rates for this portfolio as certified by the bankers is 96%. -The SHGs borrow from the commercial banks at the standard rate applicable for the SHG portfolio. However, the on lending interest rate for the SHGs to their members ranges from 18-24% per annum.