About this scheme
Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) organises rural poor into SHGs, provides revolving fund + community investment fund + bank credit linkage. Major scheme for rural women, SC/ST.
What you get
- SHG revolving fund Rs. 15,000-25,000 (initial)
- Community investment fund up to Rs. 75,000
- Bank credit linkage 1-10 lakh per SHG
- Concessional interest 4-7% (Interest Subvention Scheme)
- Skill development training for members
- Marketing support via Mahila Kisan Sashaktikaran
Who qualifies
Rural women self-help groups (10-20 members each). Members from below poverty line / SECC 2011 identified households. Open to SC/ST/OBC/general; women-led SHGs prioritised.
All industries qualify (no NIC restriction).
Business types
ProprietorshipsPartnershipsSection 8 Companies
Available across India (central scheme).
How to apply
- 1Identify 10-20 women from rural community
- 2Form SHG; open bank account
- 3Register with NRLM state mission
- 4Weekly meetings + savings discipline
- 53-6 months later: revolving fund + bank credit
- 6Continued support via Block Mission
Key terms and conditions
- Weekly meetings + savings mandatory
- Members must be from rural households
- Group dynamic important — defaults affect all
- Interest subvention for prompt repayment
What disqualifies you
- Urban members not eligible (separate DAY-NULM)
- Solo individuals must join SHG
- Wealthy households excluded
Documents typically required
- SHG enrollment
- Aadhaar
- Member income proof
- Bank account
The content above is compiled from public information published by the scheme authority. Eligibility, benefits, and procedures are subject to change. Confirm details directly with the official portal before applying. BharatSeal does not process scheme applications.