Lok Sabha Question No. 2397 (UNSTARRED), answered on 2024-12-10
Subject: National Rural Livelihood Mission
Ministry: RURAL DEVELOPMENT
Asked by: Dr. Kalanidhi Veeraswamy

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK  SABHA UNSTARRED QUESTION NO. 2397 ANSWERED ON 10/12/2024

## NATIONAL RURAL LIVELIHOOD MISSION

2397. DR. KALANIDHI VEERASWAMY:

## Will the Minister of RURAL DEVELOPMEN

- (a) the  details  of  progress  of  the  National  Rural  Livelihoods Mission (NRLM), including its achievements  in  enhancing livelihoods  for  rural  households  during  the  past  year  in  the country including Tamil Nadu;
- (b) the details of strategies implemented under the NRLM toempower women andmarginalized communities in rural areas of Tamil Nadu;
- (c) whether the Government has any plan to ensure the benefits of the NRLM reach the most underserved populations, particularly in remote and disadvantaged regions;
- (d) the role of Self-Help-Groups (SHGs) in the NRLM and how is the Government support in their growth and sustainability; and
- (e) whether the Minister outline any measures in place to monitor and  evaluate  the  impact  of  the  NRLM  on  poverty  alleviation and  economic  development  in  rural  areas,  if  so,  the  details thereof?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (DR. CHANDRA SEKHAR PEMMASANI)

(a): The Ministry of Rural Development is implementing DeendayalAntyodayaYojana  -  National  Rural  Livelihoods  Mission (DAY  -  NRLM)  which  was  launched  in  the  year  2011  across  the country (except Delhi & Chandigarh) with the objective of organizing rural  poor  women  into  Self  Help  Groups  (SHGs)  and  continuously nurturing and supporting them till they attain appreciable increase in income over a period of time and improve their quality of life and

come out of abject poverty. As of 31st October 2024, the Mission is being implemented in 7138 blocks in 742 districts across 28 States and 6 UTs.

Cumulatively,  10.05  crore  women  have  been  mobilized  into more than 90.87 lakh SHGs. The details of achievements under DAYNRLM including Tamil Nadu during the past year (FY 2023-24) are at Annexure-I.

- (b): The key strategies under DAY-NRLM to empower women are as follows:
- 
- Universal social mobilisation of eligible women into SHGs
-  Strengthening  of  SHGs  by  providing  them  capacity  building, revolving funds and community investment funds
-  Facilitating Bank linkages, imparting financial literacy, digital finance  and  facilitating  access  to  various  social  protection schemes
- 
- Encouraging health and sanitation behavior change
-  Gender  mainstreaming  and  creation  of  gender  responsive institutions
-  Promoting  convergence  between  Panchayati  Raj  Institutions (PRIs) and Community-Based Organizations (CBOs)
-  Capacity building and providing forward and backward linkage for livelihoods
-  Convergence with Ministries & Departments and collaboration with various organisations for technical support.
- (c): All  households  with  one  or  more  deprivation,  automatically included  households  as  per  SECC  2011  constitute  the  DAY  NRLM target group. Further, eligible households  identified through  a 'participatory identification of poor' (PIP) process and validated by gram sabha are also included in the SHGs. Furthermore, DAY NRLM has  an  objective  for  saturation  through  its  inclusion  strategy  in order to bring the most vulnerable and unreached population into its

- fold.  There  are  special  efforts  to  include  persons  with  disabilities, old age population, transgenders and poorest of poor.
- (d): DAY- NRLM follows prescribed norms for the mobilization of eligible  rural  household  into  SHGs.  These  SHGs  are  nurtured  as grassroots  institutions  of  the  poor.  The  Revolving  Fund  (RF)  and Community  Investment  Fund  (CIF)  as  fund  in  perpetuity  are  made available  to  the  SHGs.  This  enables  them  to  create  credit  history with  which  they  are  facilitated  for  linking  with  Banks  for  loans. Under  the  Mission,  continuous  capacity  building  and  hand-holding support is provided to the SHGs and their members to diversify their livelihoods both in farm and non-farm sector.
- (e): Yes.  Monitoring  &  evaluation  and  impact  evaluation  are  an integral  part  of  the  program.  For  instance,  an  impact  evaluation study of DAY-NRLM was conducted during 2019-20 by the International Initiative for Impact Evaluation (3ie) with the support of  the  World  Bank.  The  assessment  covered  9  States  with  around 27,000  respondents  and  5,000  Self  Help  Groups  (SHGs)  across Bihar, West Bengal, Odisha, Jharkhand, Madhya Pradesh, Chhattisgarh, Maharashtra, Rajasthan and Uttar Pradesh. The evaluation indicates that an additional exposure to the Mission for 2.5 years led to:
- i.
- Increase in income by 19% over the base amount.
- ii.
- Decline in share of informal loans by 20%.
- iii.
- Increase in savings by 28%.
- Improved  labour  force  participation  -  proportion  of  females reporting  secondary  occupation  is  higher  (4%) in  treatment
- iv. areas.
- v. Improved  access  to  other  Schemes  -  Significant  increase  in number  of  social  schemes  availed  by  treatment  households (6.5% higher over the base value of 2.8 schemes).

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Annexure  -  I  referred  in  reply  to  Part  (a)  of  LokSabhaUnstarred Question  No.  2397  for  answer  on  10.12.2024  regarding  details  of achievements  under  DAY-NRLM  including  Tamil  Nadu  during  the past year (FY 2023-24)

|   S.No. | Indicator                                                                                          |   Achievement during the year 2023-24 |
|---------|----------------------------------------------------------------------------------------------------|---------------------------------------|
|       1 | No. of women mobilized into SHGs (in Crore)                                                        |                                  1.05 |
|       2 | No. of SHGs promoted (in lakh)                                                                     |                                  7.48 |
|       3 | Amount of Loan Disbursed (Rs. Crore)                                                               |                             207818    |
|       4 | Amount of Capitalization Support (Revolving Fund + Community Investment Fund) provided (Rs. Crore) |                              10822    |
|       5 | No. of Banking Correspondents Sakhi/DigipaySakhi deployed                                          |                              24353    |
|       6 | No. of MahilaKisans covered under Agro Ecological Practices (AEP) interventions (in Lakhs)         |                                 87.5  |
|       7 | No. of MahilaKisan having Agri-Nutri Garden (in Lakhs)                                             |                                 65.34 |
|       8 | No. of Enterprises supported under SVEP (in lakhs)                                                 |                                  0.54 |

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