Deen Dayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)

✦Key Features

• 10.05 crore rural women in 90.90 lakh SHGs (PIB Feb 6, 2026) — world's largest SHG programme
• ₹12.18 lakh crore bank credit linked since inception (2013-14)
• 50,548 Bank Sakhis (women banking correspondents) deployed at village level
• Lakhpati Didi target: 3 crore SHG women earning ₹1 lakh+ annually (Budget 2023-24 announcement)
• 4.6 crore Mahila Kisans (women farmers) supported through SHG-based collectives
• DDU-GKY: 17.5 lakh youth trained; 11.48 lakh placed in jobs
• Budget FY2025-26: ₹14,236 crore; 60:40 Centre-State

✓Eligibility Criteria

• Rural poor households identified through the Socio-Economic and Caste Census (SECC) or Participatory Identification of Poor (PIP).
• Women members from identified households who are willing to form or join Self-Help Groups (SHGs).
• Special focus is maintained on households belonging to Scheduled Castes, Scheduled Tribes, and persons with disabilities.
• One woman member from each identified poor household is prioritized for inclusion in the SHG network.

★Benefits

• Access to financial services including revolving funds, community investment funds, and low-interest bank credit.
• Provision of capacity building, financial literacy training, and skill development for livelihood diversification.
• Social empowerment through the creation of strong community institutions like Village Organizations and Cluster Federations.
• Ongoing support for market linkages and value chain development for products created by SHG members.

▶Application Process

• Potential beneficiaries form or join a Self-Help Group (SHG) within their respective villages.
• The SHG undergoes a mandatory period of regular meetings, savings, and internal lending to establish group discipline.
• The group applies for a Revolving Fund (RF) or Community Investment Fund (CIF) through the Block Mission Management Unit.
• The SHG prepares a Micro-Credit Plan to access formal bank credit and financial services under the scheme.

₹ Budget Allocation

14236

Funding Ratio (Centre:State): 60:40 (General States), 90:10 (NE/Himalayan)

Historical Context

Evolved from the Swarnajayanti Gram Swarozgar Yojana (SGSY) in 2011, rebranded and restructured to focus solely on the SHG-led 'Social Mobilization' model.

Sub-Schemes

Challenges

• High interest rates by some microfinance institutions despite SHG linkage.
• Regional disparity in SHG strength (strong in South, weak in North).
• Inadequate storage and cold-chain facilities for SHG products.
• Digitization of SHG accounts (Lokayukt portal) remains incomplete.

Reforms & Recommendations

• Creating a dedicated 'e-commerce' platform for SHG products (on the lines of ONDC).
• Expanding the scope of 'Bank Sakhis' to provide insurance and pension services.
• Strict monitoring to prevent the 'debt-trap' cycle in micro-lending.

Performance Statistics

SDG Linkages

Constitutional Backing

Technology Used

Success Stories

Key Takeaways

• Universal social mobilization of rural poor women.
• SHG-Bank Linkage for credit access.
• Creation of 'Lakhpati Didis' through diversified livelihoods.
• Engagement of 'Community Resource Persons' (CRPs) for training.

Convergence Schemes

• MGNREGS (for livelihood assets)
• PM Formalization of Micro Food Processing Enterprises (PM-FME)
• Lakhpati Didi Initiative

Sector Tags