DAY-NRLM 2026: Livelihood Support, SHG Credit Linkages & Skills
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Quick answer
DAY-NRLM is a national poverty alleviation programme that organizes rural poor households, especially women, into Self Help Groups (SHGs) for financial and livelihood empowerment. Members gain access to bank credit linkages, revolving funds, interest subvention, and skill training. Beneficiaries participate through grassroots SHGs, federations, and State Rural Livelihoods Missions.
At a glance
| Main benefit | Credit linkages, revolving funds and skill training |
| Ministry / department | Ministry Of Rural Development |
| Level | Central Government |
| Application mode | Online |
About the scheme
Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) is the flagship initiative of the Ministry of Rural Development aimed at reducing poverty by building robust grassroots institutions for the rural poor. By promoting self-managed Self Help Groups (SHGs) and their federations, the mission improves access to institutional credit, financial services, and sustainable income-generating activities. Operating on a demand-driven model, DAY-NRLM also incorporates specialized interventions such as the Aajeevika Skills programme for youth training and placement, along with Rural Self Employment Training Institutes (RSETIs) to foster rural entrepreneurship.
Benefits
- Access to institutional microfinance services including savings, credit, insurance, and bank remittances.
- Provision of Revolving Funds (RF) and Community Investment Funds (CIF) for eligible Self Help Groups.
- Interest subvention support on bank loans for compliant institutions of the poor.
- Free skill development and placement assistance for rural youth through the Aajeevika Skills programme.
- Free entrepreneurship training and bank loan facilitation via Rural Self Employment Training Institutes (RSETIs).
- Targeted support and capacity building for women in agriculture through Mahila Kisan Sashaktikaran Pariyojana (MKSP).
Who can apply (eligibility)
- The SHG must be in active existence for at least 6 months based on its books of account.
- The SHG must regularly follow the Panchasutras: regular meetings, regular savings, regular inter-loaning, timely repayment, and up-to-date books of accounts.
- The SHG must qualify according to NABARD grading norms.
- Defunct SHGs that have been revived are eligible once they have functioned actively for at least 3 months.
- Target households must be identified through the Participatory Identification of Poor (PIP) process or hold BPL status.
- For the Aajeevika Skills programme, candidates must be rural youth between 18 and 35 years of age from poor households.
Documents required
- SHG books of account (minutes book, attendance and savings book, cash book, loan ledger, and member passbooks).
- Micro Plan or Microcredit Plan prepared by the SHG (required to access Community Investment Funds).
- Proof of selection under the Participatory Identification of Poor (PIP) list or BPL card.
- Gram Panchayat vetting certificate (for candidates applying to skill programmes before PIP completion).
How to apply
- 1Join or form an affinity-based Self Help Group of 10 to 20 members (or minimum 5 members in remote or special category areas) in your village.
- 2Follow the Panchasutras consistently and maintain official group registers and account books for at least 6 months.
- 3Undergo grading assessment based on NABARD norms, facilitated by your local SHG Federation or Block Mission Management Unit (BMMU).
- 4Prepare a comprehensive microcredit plan to apply for bank credit linkages, Revolving Funds, or Community Investment Funds through your Block Mission Management Unit.
- 5For skill training and job placement, apply directly with registered Project Implementing Agencies (PIAs) or nearby RSETIs.
Frequently asked questions
What is DAY-NRLM?+
DAY-NRLM is a rural poverty reduction programme run by the Ministry of Rural Development that organizes poor households into SHGs and supports them with credit, microfinance, and livelihood opportunities.
Who is eligible to join an SHG under DAY-NRLM?+
Rural poor households identified through the community-driven Participatory Identification of Poor (PIP) process or vetted BPL lists are eligible, with an emphasis on including at least one woman per family.
What are the Panchasutras required for SHG bank loans?+
The Panchasutras are five core practices: regular meetings, regular savings, regular internal lending, timely loan repayment, and up-to-date bookkeeping.
What is the age limit for Aajeevika Skills training?+
Candidates must be between 18 and 35 years of age and belong to a rural poor household identified through PIP or Gram Panchayat verification.
Can defunct SHGs get credit support under DAY-NRLM?+
Yes, defunct SHGs that are revived and remain actively functioning for a minimum period of 3 months become eligible for credit.
Is DAY-NRLM only for women?+
While the mission focuses primarily on women as representatives of poor households, men are included in special SHGs for persons with disabilities, elders, and in skill development initiatives.
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