Deen Dayal Upadhyaya Antyodaya Yojana

✦Key Features

• Social mobilization and institution building for the poor, especially women.
• Financial inclusion through access to credit, insurance, and remittances.
• Skill development and placement for unemployed youth (DDU-GKY).
• Promotion of self-employment and micro-enterprises through financial support.
• Support for urban street vendors and formation of Self-Help Groups in urban areas.
• Capacity building and training programs for beneficiaries and community resource persons.

✓Eligibility Criteria

• Households identified as Below Poverty Line (BPL) or based on Socio-Economic Caste Census (SECC) data.
• Members of existing or newly formed Self-Help Groups (SHGs).
• Unemployed youth, particularly from poor households, seeking skill training.
• Urban poor households and vulnerable sections.

★Benefits

• Financial assistance for starting or expanding self-employment ventures.
• Access to affordable credit and interest subvention schemes.
• Skill training leading to wage employment opportunities.
• Enhanced income and improved living standards for poor households.
• Social empowerment and collective bargaining power through community institutions.

▶Application Process

• Contact the local Gram Panchayat, Urban Local Body, or Block/District Rural/Urban Livelihoods Mission office.
• Join or form a Self-Help Group (SHG) to access scheme benefits.
• Enroll in skill development programs through empanelled training partners.
• Submit required documents along with the application form.
• Participate in training and selection processes, and receive financial or livelihood support as per scheme guidelines.

₹ Budget Allocation

5300

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

Historical Context

Evolved from Swarnajayanti Gram Swarozgar Yojana (SGSY) in 2011; renamed to DAY in 2015.

Sub-Schemes

Challenges

• Regional disparity in SHG movement (South vs North)
• Limited market access for SHG products ('Marketing the brand')
• Dependency on Microfinance Institutions (MFIs) with high interest rates in some areas
• Digital literacy for SHG members

Reforms & Recommendations

• Value chain integration for SHG products through 'Saras Mela' and e-commerce
• Introduction of 'Credit Scores' for SHGs to facilitate easier bank loans
• Focus on male-led SHGs or gender-neutral community groups to reduce domestic friction

Performance Statistics

SDG Linkages

Constitutional Backing

Technology Used

Success Stories

Key Takeaways

• Universal Social Mobilization (at least one woman member from each poor household)
• Community Investment Fund (CIF)
• Revolving Fund (RF)
• Financial Literacy and Insurance coverage

Convergence Schemes

• MGNREGS
• PM-AWAS Yojana
• PM Formalisation of Micro food processing Enterprises (PMFME)

Sector Tags