Date : 09/08/2021 -

The Ministry of Housing & Urban Affairs, Government of India restructured the erstwhile Swarna Jayanthi Sehri Rozgar Yojana and launched the Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM) in 2014-15 with the funding ratio of 60:40 by the Central and State Governments. DAY-NULM intends to reduce poverty and vulnerability of the urban poor households by building strong Community Based Organisations of the urban poor and enabling them to access gainful Self-employment and Skilled wage employment opportunities, resulting in an appreciable improvement in their livelihoods on a sustainable basis.The mission also specifically targets the needs of the Urban Homeless by providing shelters equipped with essential services and the livelihood concerns of the Street Vending Community by facilitating access to suitable vending spaces, institutional credit, social security and skills for accessing emerging market opportunities.

The components of DAY-NULM scheme are:
1. Social Mobilization and Institution Development (SMID)
2. Self-Employment Program (SEP)
• Self Employment Program Individual (SEP I)
• Self Employment Program Group (SEP G)
• Direct Linkage (DL)
3. Employment through Skill Training and  Placement (ESTP)


Scheme name Description about the Scheme Eligibility Condition (who can avail the benefit / Service ) Procedure to obtain the benefit/Service
Self Help Group Formation (SHG)      The objectives of SHG are to conduct regular meetings, promote savings and internal lending among its members and inculcate the practice of collective and democratic decision making. The SHGs are trained in meetings, savings, book keeping, collective decision making, internal lending, availing bank credits and prompt repayment with an aim to ensure the social and economic development of women. A group of 12 to 20 poor women in the age group of 18 to 60 years who are residing in the same area is organised as a ‘Self Help Group’ (SHG).

Types of Groups :
• Women Self Help Group
• Special  Self Help Group

*Focus is on the very poor, poor, vulnerable and differently abled unlike other schemes.
• Identification and mobilization of the left out poor into the SHG network
• Establishing and strengthening community organisations of the Urban poor
• Social empowerment of the urban poor through capacity building.
• Improving the quality of the SHG products and facilitating marketing
• Providing financial assistance to SHGs for lending to their members for taking up economic activities.
Revolving fund to SHGs      Rs. 10,000 given as a means of encouragement and to supplement their internal savings, augment their corpus and to enable more members to avail internal loans. • A SHG should be functional for a period of 3 months with at least 70% of SHG members should be urban poor to become eligible for Revolving Fund
• Rs 1000/- provided to the SHGs on its completion of 3 months andgrading.
• Self Help Group following Pancha sutra like regular meeting, regular savings, Regular internal lending, Regular repayment and regular book of maintenance
• Self Help Group completion of 3 month for grading
• The RF will be transferred directly into the bank account of the  respective SHG .
Self Employment Program Individual (SEP I) Self Employment Program Individual enables the poor women to start economic activites and help them to gradually come out of poverty • Beneficiary should attain the age of 18 Years while applying  for Individual loan.
• Individual should do the economic activity.                                                         • Individual should have proper transaction histroy for the last 6 months.
• Individual Enterprises to be promoted and linked with banks for
financial support
• Application Submitted to concern bank.
• After field verification bankers sanctioned and disbursed loan to an individual bank account.
• The Maximum unit Project Cost for a individual enterprise is Rs
50,000 given by the bank without any surety.
Self Employment Program Individual (SEP G)
Self Employment Program Group enables the urban poor more than 5 members in a SHG doing the same livelihood activity to seting up a group enterprises for self employment. It helps to get more income , to live a reasonable life and come out of poverty. • The group enterprise should have minimum 5 members in a SHG doing same activity.
• SHG livelihood Activities are verified by Project Officer and bankers.
1.Self Help Group Application Submitted to concern bank
2.Self Help Group Graded by bankers and project officers
3.Self Help Group submitted Loan documents in banks
4.Finally bankers sanctioned and disburse loan to SHGs.
5.Loan amount sanctioned based on SHG savings amount
6.The Maximum unit Project Cost for a group enterprise is Rs10,00,000 (Rs Ten Lakhs)
7.Project cost less the beneficiary contribution would be made available as loan amount to the group enterprise by the bank
Direct Bank Linkage to SHGs       SHGs Bank linkage programme enables the poor women not only to come out of debt trap but also helps to start economic activities for livelihood  to augment more income for the family, to live a reasonable life and helps them to gradually come out of poverty. • Self Help Group affiliated in Area level federation.
•  Self Help Group following Pancha Sutra.
•  Self Help Group 6 Month completion of formation.
•  Self Help Group Passed to Grading.
1.Self Help Group  Application Submittedtoconcernbank
2.Self Help Group Graded by bankers &ProjectOfficers
3.Self Help Group submitted Loan documentsinbanks.
4.Finally bankers sanction and disburseloantoSHGs.
5.Loan amount sanction based on SHG savings amount.
Employment Through
Skill Training and Placement
The Employment through Skill Training & Placement (EST&P) Component under NULM is designed to provide skills to the unskilled urban poor as well as to upgrade their existing skills.
The programme will provide for skill training of the urban poor to enable them setting up self-employment ventures and for salaried jobs in the private sector. The EST&P Programme intends to fi ll the gap between the demand and availability of local skills by providing skill training programmes as required by the market.
Under the Skill development programmes, three types of training can be provided:
a) Training of fresh entrants to the job market
b) Reskilling or skill up-gradation of persons already engaged in an occupation
c) Formal recognition and certifi cation of persons who have acquired skills through informal, non-formal or experiential training in any vocational trade or craft, after imparting bridge course, if necessary
1)  The course duration for all the skill training programes
under EST&P would be minimum 45Days (approximately 400
hours of the technical training plus 30hours for soft skills
2) The Training cost would be of Rs. 15,000/-  per candidate. However,
depending on the trade and course module.
3) If the SSC Curriculum is being followed, then the
basic and advanced level skill training courses may be
combined to provide 430 hours training.










How To Apply