{"id":2773,"date":"2026-11-02T07:26:32","date_gmt":"2026-11-02T07:26:32","guid":{"rendered":"https:\/\/entri.app\/explore\/?post_type=curriculum&#038;p=2773"},"modified":"2026-11-02T07:26:58","modified_gmt":"2026-11-02T07:26:58","slug":"deendayal-antyodaya-yojana-nrlm","status":"publish","type":"curriculum","link":"https:\/\/entri.app\/explore\/gk\/deendayal-antyodaya-yojana-nrlm\/","title":{"rendered":"Deendayal Antyodaya Yojana \u2013 NRLM: Objectives, Eligibility, Benefits &#038; Key Facts"},"content":{"rendered":"<h2><b>Introduction<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">India&#8217;s largest poverty alleviation programme is not a welfare handout\u2014it is a women-led credit movement. Deendayal Antyodaya Yojana \u2013 National Rural Livelihoods Mission (DAY-NRLM) has organised over 10 crore rural women into more than 92 lakh Self-Help Groups (SHGs) across the country, channelling \u20b913.67 lakh crore in bank credit to households that the formal banking system once considered unbankable . With a repayment rate exceeding 98% and 3.46 crore women now recognised as Lakhpati Didis, the mission has fundamentally rewritten the rules of rural finance . This guide explains what DAY-NRLM is, who it serves, how it works on the ground, and what the latest 2026 figures mean for aspirants, beneficiaries, and exam candidates alike.\u00a0\u00a0<\/span><\/p>\n<h2><b>What is DAY-NRLM?\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">It&#8217;s a central government scheme that brings together rural poor women in Self-Help Groups (SHGs) to tackle poverty head-on by making it easier for them to get access to cash and build long-term careers that pay the bills.<\/span><\/p>\n<h3><b>When did it kick off?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00a02010, initially, as NRLM; by 2016 it had been rebranded as DAY-NRLM.<\/span><\/p>\n<h3><b>Which department is in charge of it?\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">That would be the Ministry of Rural Development.<\/span><\/p>\n<h3><b>Who does it help?\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Primarily rural households who are struggling to get by, but priority is given to women, people from scheduled castes and tribes, tribal groups in special need, and families who don&#8217;t own any land.<\/span><\/p>\n<h2><b>What&#8217;s Deendayal Antyodaya Yojana \u2013 NRLM All About?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">DAY-NRLM is the Indian government&#8217;s flagship poverty-reduction plan. It aims to get poor women in rural areas together in Self-Help Groups and connect them up to banks, job opportunities, and markets. Its set up and run by the Ministry of Rural Development in partnership with states and territories (bar Chandigarh and Delhi).<\/span><\/p>\n<h3><b>From NRLM (2011) to DAY-NRLM: a bit of history<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The scheme came out in 2010 as the National Rural Livelihood Mission, effectively replacing the old Swarnajayanti Grameen Swarojgar Yojana (SGSY). In 2016 the name got changed to Deendayal Antyodaya Yojana \u2013 NRLM, and got brought under the Aajeevika umbrella. This change happened back in June 2011.<\/span><\/p>\n<h3><b>DAY-NRLM, the Ministry of Rural Development &amp; the World Bank<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">DAY-NRLM is run by the Ministry of Rural Development in partnership with the World Bank. The World Bank even provided some design &amp; initial scaling support. This scheme runs through State Rural Livelihood Missions in each state and is partly funded by the Centre and states.<\/span><\/p>\n<h2><b>What DAY-NRLM Sets Out To Do<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get rural poverty down by giving poor households, especially women, access to money and new skills\\<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get more poor women into SHGs and build strong community groups<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get bank accounts and manage cash flow for everyone<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get people working in the villages making a proper living &#8211; in farming or other jobs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get products made by SHGs to market, be it a marketplace, online, or some other way<\/span><\/li>\n<\/ul>\n<h2><b>DAY-NRLM Eligibility: Who Can Join The Ranks?<\/b><\/h2>\n<h3><b>Any rural poor household and one woman per household<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The poor households are identified by a process that gets everyone in the community involved, and some data from the SECC<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">One woman per household is usually the SHG member &#8211; it helps spread the benefits and cuts down on duplicate enrollments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Women are the focus here &#8211; under DAY-NRLM, men can&#8217;t join SHGs<\/span><\/li>\n<\/ul>\n<h3><b>Priority groups<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scheduled Castes and Scheduled Tribes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People with Disabilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Households without any land or with very little land<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Particularly Vulnerable Tribal Groups &#8211; those in need of extra support<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All households identified by SECC as being poor or needing help<\/span><\/li>\n<\/ul>\n<h2><b>The structure of DAY-NRLM: the SHG, VO &amp; CLF<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Self-Help Group (SHG): a dozen or so rural women who save money together and get access to a credit line\\<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Village Organisation (VO): a federation of 8-15 SHGs in the same village\\<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cluster Federation (CLF): a federation of VOs in the same area, getting bigger loans &amp; planning bigger livelihoods<\/span><\/li>\n<\/ol>\n<h3><b>Community Resource Persons and State Rural Livelihood Missions<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Community Resource Persons (CRPs) are trained SHG women who serve as Krishi Sakhis (agriculture), Pashu Sakhis (livestock), and Bank Sakhis (financial services), providing last-mile support. State Rural Livelihood Missions (SRLMs) are the state-level agencies that implement DAY-NRLM on the ground.<\/span><\/p>\n<h2><b>Key Benefits and Financial Support Under DAY-NRLM<\/b><\/h2>\n<h3><b>Revolving Fund and Community Investment Fund<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Fund<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Amount<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Purpose<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Revolving Fund (RF)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b910,000\u201315,000 per SHG<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Build corpus for member loans after 6 months of regular saving<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Community Investment Fund (CIF)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Higher, need-based<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Support livelihood investments by SHGs and federations<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">Bank linkage and interest subvention<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SHGs access collateral-free bank loans with interest subvention<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Over \u20b911 lakh crore disbursed to women SHGs cumulatively, with repayment rate above 98%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank Sakhis (trained SHG members) facilitate credit linkage at bank branches<\/span><\/li>\n<\/ul>\n<h3><b>Livelihood sub-schemes (SVEP, MKSP, AGEY)<\/b><\/h3>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Sub-scheme<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Focus<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">SVEP (Start-up Village Entrepreneurship Programme)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Non-farm micro-enterprises; 3.74+ lakh enterprises supported<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">MKSP (Mahila Kisan Sashaktikaran Pariyojana)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Women farmers; agro-ecological practices; 4.62 crore Mahila Kisans covered<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AGEY (Aajeevika Grameen Express Yojana)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rural transport livelihoods (auto\/vehicle ownership by SHG members)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Getting Trained and Placed (DDU-GKY, RSETIs)<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DDU-GKY (Deen Dayal Upadhyaya Grameen Kaushalya Yojana): The idea here is to train rural youth and then get them placed in jobs &#8211; so far, 17.5 lakh people have gone through training and 11.48 lakh of them are now working<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RSETIs (Rural Self Employment Training Institutes): These are short courses that help people set up their own businesses, and they&#8217;ve also arranged bank credit to help these new entrepreneurs get going<\/span><\/li>\n<\/ul>\n<h3><b>Showing Off What We Do (SARAS Melas, SHE-MARTs)<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Saras Melas: These are big exhibitions that take place all over India, whether at a national, regional or state level &#8211; we&#8217;re talking 2 national ones and over 50 state ones every year<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">eSaras: That&#8217;s our online version, where we sell stuff on platforms like GeM, ONDC, Amazon, Flipkart, Meesho and JioMart<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">State-branded products: We&#8217;ve got various state brands, like Kudumbashree from Kerala, UMED from Maharashtra, and Himira from Himachal Pradesh<\/span><\/li>\n<\/ul>\n<h2><b>What is the Lakhpati Didi Initiative Under DAY-NRLM?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In simple terms, it&#8217;s about women from Self-Help Groups who&#8217;ve managed to earn a household income of at least \u20b91 lakh per year &#8211; and that&#8217;s not a one-off. They&#8217;re making it on a consistent basis, across at least 4 seasons or business cycles .<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What we&#8217;re aiming for: Get 6 crore women to become Lakhpati Didis. By 2026, we&#8217;ve already made it happen for over 3.46 crore SHG members<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namo Drone Didi: A central scheme that gives 15,000 women SHGs access to drones for renting out for agricultural spraying services. We&#8217;ll give you an 80% subsidy of up to \u20b98 lakh per drone, so you can earn an extra \u20b91 lakh per year from this .<\/span><\/p>\n<h2><b>Joining a Self-Help Group Under DAY-NRLM &#8211; Here&#8217;s How You Do It<\/b><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">First step: get in touch with your local Gram Panchayat or Block Mission Management Unit (BMMU) and tell them you&#8217;re interested<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If there&#8217;s a participatory identification of the poor exercise going on in your area, take part<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get a group of 10-20 women together who are all from similar backgrounds and form an SHG<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Start putting some money aside &#8211; this is usually a regular thing, about \u20b950-200 per person per month<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get through 6 months of saving and bookkeeping, and you&#8217;ll be eligible for a revolving fund<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You&#8217;ll need to go through some training on money management and running an SHG &#8211; this will be arranged by the people who help run these groups<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">And once you&#8217;ve shown that you can handle your finances properly, you can start accessing bigger loans from the bank<\/span><\/li>\n<\/ol>\n<h2><b>DAY-NRLM Key Facts and Latest Figures (2026)<\/b><\/h2>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Fact<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Figure<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Launched<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2010 (as NRLM); renamed 2016<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ministry<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ministry of Rural Development<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">SHGs promoted<\/span><\/td>\n<td><span style=\"font-weight: 400;\">~92 lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Households mobilised<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10.08 crore<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bank credit to SHGs (cumulative)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b913.41+ lakh crore since 2013-14<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Lakhpati Didis enabled<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3.46+ crore<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">SVEP enterprises supported<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.32 lakh (as of June 2026)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">DDU-GKY trained\/placed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">17.5 lakh \/ 11.48 lakh<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Repayment rate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">98%+<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Challenges in DAY-NRLM<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">State performance has various issues &#8211; some SRLMs are struggling with SHG formation &amp; credit linkage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Even with a 98% repayment rate, SHG loan defaults remain a problem in certain areas<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lots of SHGs struggle to get their products into the market beyond subsidised melas<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Lakhpati verification process is a challenge due to people self-declaring income &#8211; the LokOS system needs to be used for robust block-level validation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Due to bank branch constraints, getting credit approved &amp; small loan limits are still holding back progress on the ground<\/span><\/li>\n<\/ul>\n<h2><b>DAY-NRLM for Competitive Exams: Quick Revision Points<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DAY-NRLM started in 2010 as NRLM; it got a name change to DAY-NRLM in 2016<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Its parent Ministry is Rural Development<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The main agency putting it into action is State Rural Livelihood Missions (SRLMs)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">At its core is the SHG (a group of 10\u201320 women) \u2192 Voice of the Poor (VO) \u2192 Cluster Livelihood Federation (CLF) structure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are two key funds: the Revolving Fund (RF) &amp; the Community Investment Fund (CIF)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To be classified as a Lakhpati Didi, a household needs to earn over 1 lakh annually<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kerala is a great example of how the SRLM system works in practice &#8211; their Kudumbashree model is a globally recognised success story of women coming together to drive change.<\/span><\/li>\n<\/ul>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">DAY-NRLM has managed to bring more than 10 crores of rural women into nearly 92 lakh SHGs, handed out more than 13 lakh crores of bank credit &amp; enabled 346,000 Lakhpati Didis. For readers from Kerala, Kudumbashree remains the state&#8217;s pioneering SRLM model &#8211; to get involved, just reach out to your local Block Mission Management Unit or Gram Panchayat and ask them about starting your own SHG.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction India&#8217;s largest poverty alleviation programme is not a welfare handout\u2014it is a women-led credit movement. Deendayal Antyodaya Yojana \u2013 National Rural Livelihoods Mission (DAY-NRLM) has organised over 10 crore rural women into more than 92 lakh Self-Help Groups (SHGs) across the country, channelling \u20b913.67 lakh crore in bank credit to households that the formal [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":0,"template":"","meta":{"_acf_changed":false},"curriculum-category":[169,170],"custom_linking_tags":[],"class_list":["post-2773","curriculum","type-curriculum","status-publish","hentry","curriculum-category-gk","curriculum-category-government-schemes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>DAY-NRLM Scheme Guide: Benefits, Eligibility &amp; Key Facts<\/title>\n<meta name=\"description\" content=\"Deendayal Antyodaya Yojana \u2013 NRLM. 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