Deendayal Antyodaya Yojana – National Rural Livelihood Mission (DAY-NRLM)
Organising rural women into Self-Help Groups for sustainable livelihoods
Government
Central Government
Who it’s for
Rural Women / SHG Members
Application mode
Through State Rural Livelihood Mission / SHG
Processing time
SHG formation to first bank linkage typically takes several months, as it depends on the group's savings/grading track record.
Deadline / renewal
Ongoing — no application deadline; benefits scale up as the SHG matures (savings → revolving fund → bank credit → livelihood/enterprise support).
What it provides
Organises rural poor women into Self-Help Groups (SHGs), provides revolving fund, bank-linkage capital, skill training and market support to build sustainable livelihoods (incl. 'Lakhpati Didi' initiative).
Benefits breakdown
Who’s eligible
Rural women, especially from poor and marginalised households, willing to join/form Self-Help Groups.
Documents required
- Aadhaar card
- Bank account details (SHG group account + individual accounts)
- SHG formation/registration documents (prepared with the support of the local livelihood mission facilitator)
How to apply
In-person / offline
- Contact the Block Mission Management Unit or Gram Panchayat for information on active/forming SHGs in your village
- Join an existing SHG or form a new one with the support of a Community Resource Person/facilitator
- SHG opens a group bank account and undergoes a grading process (based on regular meetings, savings, internal lending discipline)
- Well-graded SHGs become eligible for the Revolving Fund and subsequent bank-linkage loans
- Members access skill training and market linkage support through the mission over time
Helpline
Contact your State Rural Livelihood Mission office — numbers vary by state
FAQs
Can I get a loan directly, without joining an SHG?
No — DAY-NRLM support (revolving fund, bank linkage, subsidy) flows through the SHG structure, not to individuals directly.
What is 'Lakhpati Didi'?
A national initiative under DAY-NRLM aiming to help SHG women achieve a sustainable household income of at least Rs 1 lakh/year through diversified livelihoods.
Last verified 31 August 2026