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DAY-NRLM is a key scheme by the Ministry of Rural Development that focuses on reducing poverty by Read More... building strong institutions for the poor, particularly women. It helps these groups access financial services and improve their livelihoods. Read less
Details
Are you from a rural poor household looking for ways to improve your income and living standards? The Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) could be your answer. This is a major initiative by the Indian government designed to tackle poverty head-on.
What Is This Scheme?
DAY-NRLM is all about empowering the poor by helping them form strong groups, especially women's Self Help Groups (SHGs). These groups are then supported to access crucial financial services and various livelihood opportunities. The scheme allows states to create their own unique plans to reduce poverty based on local needs.
Who Can Benefit From This Scheme?
The primary aim of DAY-NRLM is to reach out to rural poor households across the country. It specifically focuses on empowering women and ensuring that even the poorest, most vulnerable families get a chance to improve their lives. This includes households headed by single women, disabled individuals, and landless families.
Why This Scheme Is Important
This mission believes that the poor have their own strengths. DAY-NRLM complements these strengths by providing them with the necessary tools, knowledge, skills, financial support, and collective power. The goal is to enable them to participate more effectively in the economy and achieve a sustainable improvement in their livelihoods.
Objective
Benefits
Sources and references
Who Can Apply?
To be eligible for support, Self Help Groups (SHGs) must meet these conditions:
- Active Existence: The SHG should have been active for at least 6 months, as per their account records.
- 'Panchasutras' Followed: The group must be regularly conducting meetings, savings, internal lending, timely repayments, and maintaining up-to-date accounts.
- Grading Norms: SHGs need to meet the grading standards set by NABARD. Federations will help with this grading process once they are formed.
- Revival of Defunct Groups: Old, inactive SHGs can become eligible again if they are revived and remain active for at least 3 months.
How To Apply
The application process for DAY-NRLM is community-driven and typically involves becoming part of a Self Help Group (SHG).
- Form or Join an SHG: Rural poor households are encouraged to form or join existing SHGs. These are usually groups of 10-20 members, preferably women, who meet regularly.
- Follow 'Panchasutras': SHGs must adhere to the five core principles: regular meetings, regular savings, regular internal lending, timely repayment of loans, and maintaining proper records.
- Bank Linkage: Once an SHG is functional and meets the criteria, it can approach banks for financial assistance and loans.
- Federation: As SHGs grow, they can federate with other SHGs at the village or higher levels to increase their collective strength.
- Support from Implementing Agencies: State Rural Livelihoods Missions (SRLMs) and partner NGOs work in intensive blocks to help form, strengthen, and support SHGs and their federations.
For specific program components like Aajeevika Skills, there might be separate application procedures. Details for these are usually announced by the implementing agencies.
Documents You Might Need
While the process is largely community-based, having these documents ready can be helpful:
- Aadhaar Card
- Proof of Identity (e.g., Voter ID Card, Aadhaar Card)
- Proof of Residence (e.g., Utility Bill, Ration Card)
- Passport Size Photograph
FAQ’s
What exactly is the DAY-NRLM scheme?
DAY-NRLM, which stands for Deendayal Antyodaya Yojana - National Rural Livelihoods Mission, is a major government initiative aimed at reducing poverty in rural areas. It does this by helping poor households, especially women, form strong Self Help Groups (SHGs) and other community institutions. These groups then get support to access better livelihoods and financial services.
How does DAY-NRLM help rural poor families?
The mission focuses on empowering families by promoting their own institutions like SHGs. These groups help members save money, get small loans, access insurance, and improve their income through various livelihood activities. It also helps youth gain skills for employment.
Who can join a Self Help Group (SHG) under this mission?
The scheme aims to include all poor rural households. Ideally, one member from each poor family, preferably a woman, joins an SHG. The mission also pays special attention to vulnerable groups like single women, disabled persons, and landless labourers.
What are the 'Panchasutras' that SHGs need to follow?
The 'Panchasutras' are five essential principles for SHGs: 1. Regular meetings, 2. Regular savings, 3. Regular internal lending among members, 4. Timely repayment of loans, and 5. Up-to-date maintenance of accounts.
Is DAY-NRLM only for women?
While the scheme prioritizes women's participation and empowerment through SHGs, it's not exclusively for them. For certain vulnerable groups, like persons with disabilities or elders, both men and women can be mobilized into SHGs. Additionally, programs like Aajeevika Skills are open to all rural youth.
What kind of financial support can SHGs get?
SHGs can receive a Revolving Fund to build their capacity and credit history. They can also get a Community Investment Support Fund (CIF) for loans or collective activities. The scheme also offers Interest Subvention on loans to reduce the interest burden.
How are the poor identified for this scheme?
Instead of just using the BPL list, DAY-NRLM uses a Participatory Identification of Poor (PIP) process. In this community-driven method, the poor themselves identify their needy families using specific tools, and this list is then verified by the Gram Sabha.
What is the Aajeevika Skills Development Programme (ASDP)?
ASDP is part of DAY-NRLM that helps young people from poor rural households improve their skills. This training makes them more employable in growing sectors of the economy. The program also assists with job placement after training.
Who is eligible for the Aajeevika Skills program?
Youth aged between 18-35 years from rural poor households identified through the PIP process are eligible. If PIP is not yet completed, a BPL status or a certificate from the Gram Panchayat confirming the candidate's poor background is acceptable.
Does the scheme support self-employment?
Yes, DAY-NRLM encourages self-employment through its partnership with banks to set up Rural Self Employment Training Institutes (RSETIs). These institutes provide training and help individuals get bank loans to start their own businesses.
What if an SHG is defunct but wants to be active again?
If a previously defunct SHG is revived and manages to stay active for at least 3 months, it can become eligible again for credit facilities under the mission.
How does NRLM ensure transparency and accountability?
The mission emphasizes transparency and accountability in all its processes and institutions. This is achieved through community ownership, regular monitoring, and the active role of the poor and their institutions in planning, implementation, and oversight.
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