Deendayal Antyodaya Yojana-National Rural Livelihood Mission

Summary of the Scheme
Name of Scheme	Deendayal Antyodaya Yojana-National Rural Livelihood Mission (DAY-NRLM)
Launch Year	2011
Benefits	Revolving Fund of ₹20,000–₹30,000, Community Investment Fund up to ₹2.50 lakh per SHG, and collateral-free bank loans up to ₹20 lakh.
Beneficiary	Rural poor households, particularly women organised into Self-Help Groups (SHGs).
Nodal Agency	Ministry of Rural Development
Subscription	Subscribe here to get Update Regarding Scheme
Mode of Apply	Offline through local Self-Help Groups (SHGs), Village Organisations, or State Rural Livelihoods Missions.

Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)

Rural women play a big part in supporting their families, yet limited access to credit, skills, and markets makes it hard for many households to raise their incomes. DAY-NRLM tackles this by organising poor rural women into Self-Help Groups (SHGs) and helping them build sustainable livelihoods. It was launched in June 2011 as the National Rural Livelihoods Mission (NRLM) and renamed DAY-NRLM on 29 March 2016. The Department of Rural Development, Ministry of Rural Development, implements it through State Rural Livelihoods Missions (SRLMs), district and block mission units, and community institutions.

Key Benefits

• Revolving Fund (RF): ₹20,000 to ₹30,000 per eligible SHG
• Community Investment Fund (CIF): up to ₹2.50 lakh per SHG
• Collateral-free bank loans of up to ₹20 lakh, subject to banking norms
• Interest subvention for eligible women SHGs
• Training, skill development, entrepreneurship support, and market linkages
• Special attention to SCs, STs, PVTGs, minorities, persons with disabilities, and other disadvantaged communities

DAY-NRLM does not give a universal capital subsidy to every SHG. The Revolving Fund and CIF are community-level resources, not cash grants to every member, and bank loans must be repaid.

Financial Assistance in Detail

1. Revolving Fund: strengthens the group’s finances, supports internal lending, and helps the SHG build a track record for bank credit.

2. Community Investment Fund: generally routed through Village Organisations (VOs) or Cluster Level Federations (CLFs), and used to lend to members for approved livelihood activities and small businesses.

3. Collateral-free bank loans (under RBI guidelines):

• Loans up to ₹10 lakh: no collateral or margin
• Loans above ₹10 lakh up to ₹20 lakh: no collateral, but a margin of up to 10% may apply to the portion above ₹10 lakh under the bank’s policy

4. Interest subvention (RBI guidelines for FY 2025-26):

• Loans up to ₹3 lakh: concessional rate of 7% a year
• Loans above ₹3 lakh up to ₹5 lakh: the lower of the bank’s one-year MCLR, its external benchmark-based rate, or 10% a year
• The loan account must meet standard account requirements

Rates and subvention can change each year, so confirm them with your bank or SRLM.

Livelihood Activities Supported

• Agriculture: crop cultivation, organic and natural farming, kitchen gardens, seed production, producer groups
• Dairy and animal husbandry: milk production, goat, sheep, and poultry rearing, animal healthcare
• Fisheries: fish farming, processing, and marketing
• Food processing and small business: pickles, papad, spices, flour milling, retail shops
• Handicrafts and handloom: tailoring, embroidery, weaving, traditional crafts
• Non-farm services: beauty parlours, repair shops, and rural transport under the Aajeevika Grameen Express Yojana (AGEY), where applicable

Specialised programmes include MKSP (Mahila Kisan Sashaktikaran Pariyojana) for women farmers and SVEP (Start-up Village Entrepreneurship Programme) for rural enterprises. Other support includes DDU-GKY and RSETIs for skills, Bank Sakhis for banking help, SARAS Aajeevika, eSaras, GeM, and ONDC for marketing, and the Lakhpati Didi programme, which aims at an annual household income of at least ₹1 lakh.

Who Can Join?

• Rural poor households, identified through SECC 2011 deprivation criteria or the Participatory Identification of Poor (PIP) process, which must be vetted by the Gram Sabha and approved by the Gram Panchayat
• Generally, at least one woman from each identified household is encouraged to join
• SHGs usually have 10 to 20 members. Special groups in difficult areas, remote tribal regions, or for persons with disabilities may have as few as 5.
• Up to 30% of an SHG’s members can come from households marginally above the poverty line, with the other members’ approval
• SHGs follow the Panchasutras: regular meetings, regular savings, internal lending, timely repayment, and updated books of accounts
• For bank loans, an SHG generally must be active for at least 6 months and meet NABARD grading requirements. This is not a waiting period for women who simply want to join an SHG.

Documents You May Need

• Aadhaar or another valid ID
• Address proof, wherever required
• Passport-size photographs, if requested
• Bank account details of the SHG and its office bearers
• SHG membership details and group records
• Meeting, savings, and internal lending records
• SHG resolution authorising a request for assistance or a bank loan
• Micro Credit Plan (MCP) or details of the proposed livelihood activity
• Any extra documents the bank or SRLM asks for

How to Join and Access Benefits

There is no single online application form for all benefits. You come in through a village-level group.

1. Contact a local SHG, Community Resource Person (CRP), or Village Organisation to learn how to join.
2. If your village has no SHG, approach the Block Mission Management Unit (BMMU) of your SRLM.
3. Go through household identification (PIP and Gram Sabha validation).
4. Join or form an SHG of 10 to 20 women.
5. Start regular group activities: meetings, savings, records, and internal lending.
6. Receive the Revolving Fund once the SHG meets the conditions.
7. Approach your VO or CLF for CIF support.
8. Apply for bank credit once the group meets the activity and grading requirements.
9. Explore further opportunities through your BMMU or District Mission Management Unit (DMMU).

How SHGs Are Organised

DAY-NRLM vs DAY-NULM

Contact

Department of Rural Development, Ministry of Rural Development
Phone: 011-23461708
Address: 7th Floor, NDCC Building-II, Jai Singh Road, New Delhi 110001

LokOS, DAY-NRLM Digital Platform
Phone: +91-0120-5202521

No dedicated public DAY-NRLM email address could be verified. For state-level help, contact your State Rural Livelihoods Mission or Block Mission Management Unit.

Funds, loan terms, and interest rates can change, so check with your bank, your SRLM, and the Aajeevika portal for the latest information.