Ministry of Rural Development
Deendayal Antyodaya Yojana — National Rural Livelihoods Mission (DAY-NRLM)
SHG Revolving Fund of ₹15,000 per group + Community Investment Fund up to ₹2.5 lakh + bank linkage loans at 7% interest (with 3% subvention for timely repayment) + livelihood skill training + market linkage support
SHG Revolving Fund (one-time per SHG) + monthly SHG savings cycle + annual bank linkage
Deendayal Antyodaya Yojana — National Rural Livelihoods Mission (DAY-NRLM), formerly NRLM, is a flagship poverty alleviation programme of the Ministry of Rural Development that mobilizes rural poor households into Self Help Groups (SHGs) to access financial services, build sustainable livelihoods, and improve income. Over 10 crore women across 9 crore SHGs are mobilized nationally as of 2026. SHG members receive revolving funds, Community Investment Funds, interest subvention on bank linkage loans, digital literacy support, and access to market linkages through value chain initiatives.
Am I Eligible?
Quick check — answer 3 questions
Is your age between 18 and 60 years?
Is your annual family income under ₹1.0 Lakh?
Do you live in a Rural area?
Benefit Details
SHG Revolving Fund of ₹15,000 per group + Community Investment Fund up to ₹2.5 lakh + bank linkage loans at 7% interest (with 3% subvention for timely repayment) + livelihood skill training + market linkage support
Provided by Central Government
SHG Revolving Fund (one-time per SHG) + monthly SHG savings cycle + annual bank linkage
Eligibility Criteria
Rural poor household belonging to SHG (primarily targeting BPL and Below Poverty Line families); women-focused scheme — applicant should be a woman in a rural area; households with annual income below ₹1 lakh given priority; eligibility verified by State Rural Livelihood Missions (SRLMs) through participatory identification of poor (PIP)
18 to 60 years
Up to ₹1.0 Lakh / year
Rural
Required Documents
💡 Tip: Keep original documents and 2 photocopies ready. Self-attest all photocopies.
How to Apply
Join or Form a Self Help Group (SHG)
offlineContact your Gram Panchayat or Block Development Office (BDO) and ask about existing SHGs in your village. Join an existing SHG of 10–20 women, or form a new group of at least 10 women from BPL/near-poor households. The SHG is the basic unit for all NRLM benefits.
SHG Registration with SRLM
offlineThe SHG opens a savings bank account and maintains a group passbook with monthly savings records. After 3–6 months of regular meetings and savings, the Community Resource Person (CRP) or SRLM mobilizer registers the SHG on nrlm.gov.in and links it to the cluster federation.
Receive Revolving Fund
offlineAfter 6 months of consistent savings and grading by the SRLM, the SHG receives a Revolving Fund of ₹15,000 from the government. This is used as internal lending among members — managed entirely by the SHG democratically.
Apply for Bank Linkage Loan
offlineAfter 6–12 months of successful SHG operation, apply for a Bank Linkage Loan (BLL) of up to ₹3 lakh per SHG (or up to ₹5 lakh for mature SHGs). Repay within 3 years at 7% interest with 3% interest subvention for timely repayment.
Access Livelihood Support
offlineSRLM mobilizers conduct skill training, help access PMEGP/MUDRA for individual enterprise loans, and connect SHGs to farmer producer organizations (FPOs) and market linkages for agricultural produce, handicrafts, and other products.
Frequently Asked Questions
Quick Summary
Related Schemes
Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)
100 days of guaranteed wage employment per year at current minimum wage rates (₹220–₹357/day depending on state) for every rural household
Agneepath Scheme (Agniveer)
Annual salary ₹4.76–₹6.92 lakh + Seva Nidhi fund ₹11.71 lakh (tax-free) after 4 years + ₹48 lakh life insurance + skill certification + priority in CAPF/state police/PSU hiring post-service
National Apprenticeship Promotion Scheme (NAPS)
Paid on-the-job training with stipend ₹6,800–₹12,300/month + NCVT-recognized National Apprenticeship Certificate (NAC) + 25% stipend subsidy for employers encourages more apprenticeship seats + placement track record for permanent jobs
e-Shram Card
₹2 lakh accidental death insurance (PMSBY) + ₹1 lakh partial disability cover + 12-digit portable UAN for all government scheme benefits + auto-eligibility for PM Garib Kalyan, PM Ujjwala, maternity benefits, and housing schemes via DBT
⚠️ Disclaimer: Information is compiled from official government sources for guidance purposes. Eligibility and benefits may vary. Always verify with the official portal or nearest government office before applying.
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