Deen Dayal Antyodaya Yojna – DAY-NRLM (Aajeevika)

Name of the scheme :

# Deen Dayal Antyodaya Yojna – National Rural Livelihood Mission, DAY-NRLM (Aajeevika) Visit Website

Brief Description of the programme :

DAY-NRLM (Aajeevika)is a poverty alleviation project implemented by Ministry of Rural Development, Government of India. This scheme is focused on promoting self-employment and organization of rural women poor. The basic idea behind this programme is to organize the rural poor women into Self Help Groups (SHGs) and then make them capable for self-employment.This scheme was launched in 2011 with a budget of $5.1 billion and is one of the flagship programmes of Ministry of Rural Development. It is one of the world’s largest initiatives to improve the livelihood of poor.

NRLM Mission :

“To reduce poverty by enabling the poor households to access gainful self-employment and skilled wage employment opportunities, resulting in appreciable improvement in their livelihoods on a sustainable basis, through building strong grassroots institutions of the poor.”

NRLM Guiding Principles :

Poor have a strong desire to come out of poverty, and they have innate capabilitiesSocial mobilization and building strong institutions of the poor is critical for unleashing the innate capabilities of the poor.An external dedicated and sensitive support structure is required to induce the social mobilization, institution building and empowerment process.Facilitating knowledge dissemination, skill building, access to credit, access to marketing, and access to other livelihoods services underpins this upward mobility.

NRLM Values :

The core values which guide all the activities under NRLM are as follows:

Inclusion of the poorest, and meaningful role to the poorest in all the processesTransparency and accountability of all processes and institutionsOwnership and key role of the poor and their institutions in all stages – planning, implementation, and, monitoringCommunity self-reliance and self-dependence.

Benefits provided under the scheme :

The SHGs formed under DAY-NRLM and following the guidelines as per the mandate of DAY-NRLM are being provided Rs.15,000 as Revolving Fund, Rs.50,000 to 75,000 as Community Investment Fund as loan amount, which they have to return to their SHGs. Then through credit linkage, the SHGs also become eligible for bank loans. Apart from financial support, the SHG members are also trained for goat rearing and other livelihood opportunities like Lac Cultivation, skill training and they are also encourage to do social activities.

Eligibility Criteria for the beneficiary :

The SHG member should be in between 18 to 50 years of age.

Scheme Implementation Process :

In order to build, support and sustain livelihood of the poor, DAY-NRLM harness their capability and complement them with capacities (information, knowledge, skill, tools, finance and collectivization), so that the poor can deal with the external world.

DAY-NRLM works on three pillars –

  • Enhancing and expanding existing livelihoods options of the poor.
  • Building skills for the job market outside.
  • Nurturing self-employed and entrepreneurs.

These platforms, with the support of their built-up human and social capital, offer a variety of livelihoods services to their members across the value-chains of key products and services of the poor. These services include financial and capital services, production and productivity enhancement services that include technology, knowledge, skills and inputs, market linkages etc. The interested rural BPL youth are offered skill development after counseling and matching the aptitude with the job requirements, and placed in jobs that are remunerative. Self-employed and entrepreneurial oriented poor are provided skills and financial linkages and nurtured to establish and grow with micro-enterprises for products and services in demand.
These platforms also offer space for convergence and partnerships with a variety of stakeholders, by building an enabling environment for poor to access their rights and entitlements, public services and innovations. The aggregation of the poor, through their institutions, reduces transaction costs to the individual members, makes their livelihoods more viable and accelerates their journey out of poverty. Working on mission mode this enable shift from the allocation based strategy to a demand driven strategy, enabling the states to formulate their own livelihoods-based poverty reduction action plans.Focus on targets, outcomes and time bound delivery. Continuous capacity building, imparting requisite skills and creating linkages with livelihoods opportunities for the poor, including those emerging in the organized sector and monitoring against targets of poverty outcomes.


The building block of JSLPS commenced with Social mobilization and Institution Building, where the rural women are joined together to form SHGs in villages, the SHGs collectively formed Village Organizations (VOs), VOs lead to Community Level Federation ( CLF) , then Block Level Federation (BLF) and eventually District Level Federation (DLF).
The vision of poverty-free society is impossible without Financial Inclusion. Working on the same, all the SHGs under the tutelage of JSLPS are linked with banks. Rs.15,000 as Revolving Fund and Rs.50,000-75,000 as Community Investment Fund are provided to the SHGs who are adhering all the rules and regulations and operating efficiently.
For steady income and a better future, the SHG women are also exposed to different Livelihood activities like Goatry, doing agriculture using scientific techniques, LAC cultivation, developing as entrepreneurs and many more. Additionally, under DDU-GKY, JSLPS is providing skill development training to the youths of the state and providing them adequate placement opportunities.


Now JSLPS is also making elderly SHGs and SHGs of People with Disability. It is also instrumental in implementing Swachh Bharat Mission, under the campaign; toilets building work are carried on via the Village Organizations of JSLPS.