Introduction:
A self-help group is a gathering of individuals who come together to support and assist each other in solving common problems and improve their overall well-being. These groups have several advantages, but one of the options mentioned is not considered an advantage.

Advantages of Self-Help Groups:
1. Grant of timely loans: Self-help groups often provide financial support to their members through the form of loans. These loans are usually given on time and without much paperwork, helping members meet their immediate financial needs. This can be particularly beneficial for individuals who may not have access to traditional banking services or face difficulty in obtaining loans from formal financial institutions.

2. Reasonable interests: Unlike traditional moneylenders who charge exorbitant interest rates, self-help groups usually charge reasonable interest rates on the loans they provide. This ensures that members are not burdened with heavy interest payments and can effectively utilize the funds for their intended purposes.

3. A platform to discuss various issues: Self-help groups serve as a platform for members to discuss and address various issues they face in their personal and professional lives. This can range from discussing family problems, health concerns, or even business-related challenges. Through these discussions, members can gain valuable insights, advice, and support from others who may have faced similar situations.

Explanation of the Correct Answer:
4. Does not help women to become self-reliant: The correct answer, option D, states that self-help groups do not help women to become self-reliant. This statement is not accurate. In fact, self-help groups have been instrumental in empowering women and promoting their self-reliance. These groups provide women with a platform to improve their financial literacy, learn new skills, and gain confidence in managing their own businesses or ventures. Self-help groups often conduct skill development programs, entrepreneurship training, and workshops that specifically target women's empowerment. By providing access to funds, knowledge, and support, self-help groups play a crucial role in enabling women to become self-reliant and economically independent.

Conclusion:
Self-help groups have several advantages, including the grant of timely loans, reasonable interest rates, and providing a platform for members to discuss various issues. It is important to understand that self-help groups play a significant role in empowering women and promoting their self-reliance, refuting the claim made in option D.