DAY-NRLM is a flagship poverty alleviation programme of the Government of India aimed at reducing rural poverty by mobilising poor rural households, especially women, into Self-Help Groups and their federations. The Mission supports community-based institutions through capacity building, financial inclusion, livelihood promotion, skill development, enterprise support and convergence with government schemes. It is implemented as a Centrally Sponsored Scheme in partnership with State Rural Livelihoods Missions.
Implementation
- State Rural Livelihoods Missions, District Mission Management Units, Block Mission Management Units, Self-Help Groups, Village Organisations and Cluster Level Federations.
Benefits Offer Under the Scheme
- The key benefits offered under the scheme include:
- Formation and strengthening of Self-Help Groups: Rural poor households, especially women, are organised into Self-Help Groups, Village Organisations and Cluster Level Federations.
- Financial inclusion: SHGs are supported to access bank accounts, savings facilities, credit linkage and institutional finance.
- Interest subvention: Eligible women SHGS can access subsidised loans from banks, subject to applicable scheme norms and repayment conditions.
- Revolving fund and community investment support: Financial support is provided to eligible SHGS and their federations to strengthen internal lending and livelihood activities.
- Livelihood promotion: Support is provided for agriculture, livestock, fisheries, non- farm enterprises, handicrafts, food processing and other local income-generating activities.
- Skill development: Rural youth from poor households are supported through ski development and placement-linked training.
- Enterprise development: The scheme supports micro-enterprises and entrepreneurship among rural poor households.
- Community cadre support: Trained community resource persons such as Bank Sakhis, Krishi Sakhis, Pashu Sakhis and other local cadres support SHGs in banking, livelihoods, agriculture, livestock and insurance-related services.
- Convergence with other schemes: SHG households are facilitated to access benefits under health, nutrition, sanitation, social security, insurance, housing and other government programmes.
Eligibility
- The scheme is mainly targeted at poor rural households. Eligible beneficiaries generally include:
- Rural poor households identified through approved poverty identification processes.
- Women members of rural households willing to join or form Self-Help Groups.
- Existing Self-Help Groups following DAY-NRLM norms and protocols.
- Vulnerable groups including Scheduled Castes, Scheduled Tribes, minorities, persons with disabilities, elderly persons, single women and other marginalised groups.
- SHGS generally consist of 10 to 20 members. Smaller groups may be allowed in special cases such as groups of persons with disabilities, elderly persons or other vulnerable categories.