Deendayal Antyodaya Yojana - National Rural Livelihoods Mission
Category: Social welfare & Empowerment, Skills & Employment
Level: Central | State: All
Ministry: Ministry Of Rural Development

Details:
Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) is the flagship program of the Ministry of Rural Development (MoRD) for promoting poverty reduction through building strong institutions for the poor, particularly women, and enabling these institutions to access a range of financial services and livelihoods. DAY-NRLM adopts a demand-driven approach, enabling the States to formulate their own State-specific poverty reduction action plans. The blocks and districts in which all the components of DAY-NRLM would be implemented, either through the SRLMs or partner institutions or NGOs, would be the intensive blocks and districts, whereas the remaining would be non-intensive blocks and districts. National Rural Livelihood Mission (NRLM) is a restructured version of restructuring Swarnajayanti Gram Swarojgar Yojana (SGSY). NRLM was renamed as DAY-NRLM (Deendayal Antyodaya Yojana - National Rural Livelihoods Mission) w.e.f. March 29, 2016. NRLM has set out with an agenda to cover 7 Crore rural poor households, across 600 districts, 6000 blocks, 2.5 lakh Gram Panchayats and 6 lakh villages in the country through self-managed Self Help Groups (SHGs) and federated institutions and support them for livelihoods collectives in a period of 8-10 years. In addition, the poor would be facilitated to achieve increased access to their rights, entitlements, and public services, diversified risk, and better social indicators of empowerment. NRLM believes in harnessing the innate capabilities of the poor and complements them with capacities (information, knowledge, skills, tools, finance, and collectivization) to participate in the growing economy of the country. > **The Mission**

"To reduce poverty by enabling the poor households to access gainful self-employment and skilled wage employment opportunities, resulting in appreciable improvement in their livelihoods on a sustainable basis, through building strong grassroots institutions of the poor." > **The Core Values**

Inclusion of the poorest, and meaningful role to the poorest in all the processes
Transparency and accountability of all processes and institutions
Ownership and the key role of the poor and their institutions in all stages – planning, implementation, and, monitoring
Community self-reliance and self-dependence NRLM implementation is in a Mission Mode. This enables - 
(a) the shift from the present allocation-based strategy to a demand-driven strategy enabling the states to formulate their own livelihoods-based poverty reduction action plans, 
(b) focus on targets, outcomes, and time-bound delivery, 
(c) continuous capacity building, imparting requisite skills and creating linkages with livelihoods opportunities for the poor, including those emerging in the organized sector, and 
(d) monitoring against targets of poverty outcomes. As NRLM follows a demand-driven strategy, the States have the flexibility to develop their livelihoods-based perspective plans and annual action plans for poverty reduction. The overall plans would be within the allocation for the state based on inter-se poverty ratios.

Benefits:
Key benefits of the Scheme include:
One member (preferably a woman) from each rural poor household would be brought under the Self Help Group (SHG) network. Women SHG groups would have bank-linkage arrangements.
SHGs would be federated at the village level and higher levels to provide space, voice and resources and to reduce dependence on external agencies.
The Mission consists of four components, viz., (i) social mobilization, community institution, and capacity building; (ii) financial inclusion; (iii) livelihood promotion; and (iv) convergence.
The participatory social assessment would be organized to identify and rank all households according to vulnerability. The ranking would be with reference to the poorest of the poor, single woman and woman-headed households, disabled, landless, and migrant labor and they would receive special focus.
Training and capacity building of the poor, particularly in relation to managing the institutions, livelihoods, credit absorption, and creditworthiness.
The Mission also supports the development of skills for rural youth and their placement, training, and self-employment through rural self-employment institutes (RSETIs), innovations, infrastructure creation, and market support.
Provision of Revolving Fund as support to SHGs to strengthen their institutional and financial management capacity and build a good credit history.
Provision of Community Investment Support Fund (CIF) in the intensive blocks to the SHGs through the Federations to advance loans and/or undertake common/collective socio-economic activities.
Introduction of financial inclusion model, loaning from banks, association and coordination with banking/financial institutions, and coverage from loss of life, health, etc.
Provision of Interest Subvention on loans availed by SHGs to cover the difference between the lending rate of the banks and 7%.
Convergence with various ministries and agencies dealing with poverty reduction of rural poor.
With highly decentralized planning; States will have liberty in developing their own action plan for poverty reduction.
NRLM to have suitable linkages at the district level with District Rural Development Agencies (DRDAs) and Panchayat Raj Institutions (PRIs).

Eligibility Criteria:
1. SHGs should be in active existence at least for the last 6 months as per the books of account of SHGs and not from the date of opening of the S/B account.
1. SHGs should be practicing ‘Panchasutras’ i.e., Regular meetings; Regular savings; Regular inter-loaning; Timely repayment; and Up-to-date books of accounts.
1. Qualified as per grading norms fixed by NABARD. As and when the federations of the SHGs come to existence, the grading exercise may be done by the Federations to support the banks.
1. The existing defunct SHGs are also eligible for the credit if they are revived and continue to be active for a minimum period of 3 months