In 5 districts of Jharkhand, Gram Sathi implied linkages program with hand holding of NRLM formal group (SHGs). As per legal on term superficial program implied to enrich linkage upon SHGs powered by NABARD. The linkage between SHGs and formal financial institutions involves banks providing financial services to SHGs and their members. This linkage has been recognized as an effective strategy for improving financial inclusion, especially in rural areas and among marginalized communities. Formal financial institutions provide loans to SHGs, which then distribute these funds among their members based on their needs and repayment capacity. The program provides training and capacity-building support to SHGs to enhance their financial literacy and management skills.