Deendayal Antyodaya Yojana – National Rural Livelihoods Mission

Who Can Apply

• Income: Poor households (SECC deprivation or Participatory Identification of Poor); up to 30% of SHG members may be marginally above poverty line
• Category: All
• State: Central (All India)

Eligibility Criteria

• •Rural woman from a poor household (identified via SECC deprivation criteria or Participatory Identification of Poor)
• •Joins or forms a women Self Help Group of 10–20 members (minimum 5 in difficult, tribal or PwD groups)
• •Up to 30% of group members may be from households marginally above the poverty line
• •For the Revolving Fund, the SHG must have run for 3–6 months following the Panchasutra (meetings, savings, internal lending, repayment, books)

Documents You Need

• ☐Aadhaar Card
• ☐BPL Ration Card or income proof
• ☐Bank passbook
• ☐Passport size photo
• ☐SHG registration documents

How to Apply for DAY-NRLM

1. 1Join an existing women's Self Help Group (SHG) in your village, or form one with 10–20 women from poor households.
2. 2Contact your block office or the State Rural Livelihood Mission staff (e.g. Community Resource Person) to get the group recognised under DAY-NRLM.
3. 3Open a savings bank account in the SHG's name.
4. 4Follow the Panchasutra: hold regular meetings, save regularly, lend internally, repay on time and keep proper books.
5. 5After 3–6 months of regular functioning, the SHG becomes eligible for the Revolving Fund (₹20,000–30,000).
6. 6Through your village or cluster federation, access the Community Investment Fund and apply to banks for collateral-free SHG loans.