DAY-NRLM

Deendayal Antyodaya Yojana-National Rural Livelihood Mission (DAY-NRLM) is a flagship poverty alleviation program implemented by the Ministry of Rural Development.
Launched in 2011, it aims to reduce poverty by enabling the poor household to access gainful self-employment and skilled wage employment opportunities resulting in sustainable and diversified livelihood options for the poor.

Components of DAY-NRLM

DAY-NRLM seeks to promote a comprehensive livelihoods approach encompassing four inter-related tasks:

Mobilizing all rural, poor households into effective self-help groups (SHGs) and SHG federations;
Enhancing access to credit and other financial, technical, and marketing services;
Building capacities and skills for gainful and sustainable livelihoods;
Improving the delivery of social and economic support services to the poor through convergence.

The Mission seeks to reach out to around 10 crore rural poor households in a phased manner by 2022-23 and impact their livelihoods significantly.

Implementation

- It works towards bringing at least one member (preferably a woman) from all poor families into the Self Help Group (SHG) network.
- The SHGs and their federations offer their members microfinance services such as – savings, credit, bank linkages, insurance, remittances, equity etc. They also offer collectivization and group activities.
- As the Institutions of the Poor (IoP) mature, they are facilitated to take up livelihoods/income-generating activities.

SHGs, their federations at the village, cluster levels and beyond, and other collectives of the poor constitute IoP.

DAY-NRLM adopts a demand driven approach, enabling the States to formulate their own State specific poverty reduction action plans.

Beneficiaries

NRLM’s priority is to reach out to the poorest, most vulnerable and marginalized. It begins with targeting women and they are considered as representatives of their households.
In case of extremely vulnerable persons like Persons with Disabilities (PwDs), elders etc., NRLM mobilizes both men and women.

DAY-NRLM has mobilised more than 10.04 crore women into over 90.76 lakh self-help groups. It promotes financial inclusion, digital literacy, sustainable livelihoods and social development interventions.

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