Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM)

✦Key Features

• 24.55 lakh urban SHGs; 57.52 lakh urban poor members organized (2025)
• 15.33 lakh urban poor trained in skills; 8.32 lakh placed in jobs
• Shelter for Urban Homeless (SUH): 17,000+ beds in night shelters
• Subsidy for self-employment: ₹2 lakh loan at 7% interest; 5-7% interest subsidy
• PM SVANidhi (street vendors) is a sub-component under DAY-NULM
• Replaces SJSRY (Swarna Jayanti Shahari Rozgar Yojana); 60:40 Centre-State
• National Urban Livelihoods Network: federations of urban SHGs

✓Eligibility Criteria

• The applicant must be a resident of an urban area and belong to a household living below the poverty line.
• Urban street vendors and homeless individuals are specifically targeted for livelihood support and shelter facilities.
• The scheme prioritizes marginalized groups including Scheduled Castes, Scheduled Tribes, women, and persons with disabilities.
• Unemployed urban youth are eligible for skill training and placement assistance to enhance their employability.
• Members of registered Self-Help Groups (SHGs) in urban centers are eligible for financial and revolving fund support.

★Benefits

• Beneficiaries receive skill training in market-oriented sectors with certificates and placement assistance.
• Individual and group micro-enterprises get interest subvention on bank loans to reduce the cost of credit.
• Urban street vendors are provided with identity cards and dedicated vending zones to ensure social security.
• Permanent shelters with essential services like water and sanitation are provided to the urban homeless population.
• Financial assistance in the form of a revolving fund is provided to Self-Help Groups to encourage internal lending.

▶Application Process

• Individuals must register themselves at the nearest Urban Local Body (ULB) or Nodal Office for the mission.
• Prospective beneficiaries can apply online through the official DAY-NULM portal for skill training or micro-enterprise loans.
• Applications for self-employment loans are submitted to the ULB which then forwards them to participating commercial banks.
• Self-Help Groups are formed and registered through community organizers working under the City Livelihood Centres.
• Identification and certification of street vendors are conducted through a comprehensive city-wide survey by the ULB.

₹ Budget Allocation

3505

Funding Ratio (Centre:State): 60:40 (General States); 90:10 (NE and Hilly States); 100% (UTs without legislature).

Historical Context

Launched in 2013 as NULM (replacing Swarna Jayanti Shahari Rozgar Yojana); renamed and expanded as DAY-NULM in 2016.

Sub-Schemes

Challenges

• Identification and documentation of the floating migrant population for benefits.
• Low uptake of bank loans by urban SHGs due to stringent KYC and collateral requirements in some areas.
• Under-utilization of funds in several states for the construction of permanent shelters.

Reforms & Recommendations

• Integration of the gig economy into the skill training modules (EST&P).
• Mandatory 'Vending Zones' in all Smart City master plans.
• Direct Benefit Transfer (DBT) for rent support for urban migrants.

Performance Statistics

SDG Linkages

Constitutional Backing

Technology Used

Success Stories

Key Takeaways

• Components: Social Mobilization & Institution Development (SM&ID), Capacity Building & Training (CB&T), Employment through Skill Training & Placement (EST&P), Self-Employment Programme (SEP), Support to Urban Street Vendors (SUSV), and Scheme for Shelters for Urban Homeless (SUH).
• Emphasis on credit linkage and interest subvention (7%).

Convergence Schemes

• PM SVANidhi
• PM-AWAS (Urban)
• Swachh Bharat Mission (Urban)
• SBM-U 2.0 (incorporating waste pickers)

Sector Tags