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Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM)

Applicable to:

  • Self-Help Groups (SHGs) in rural areas

  • Individual members of SHGs in rural areas


To reduce poverty by building institutions for the poor, particularly women and enable these institutions to access a range of financial and livelihood services. DAY-NRLM focuses on building, nurturing and strengthening institutions, including SHGs and their Federations at village level and above. 

Eligibility criteria for SHGs to avail Loans:

  • Vintage of minimum 6 months

  • Practising ‘Panchasutras’ i.e., regular meetings, savings and inter-loaning, timely repayment and up-to-date Books of Accounts

  • Qualify as per grading norms fixed by NABARD

  • Existing non-operational SHGs are also eligible for credit, if revived and continue to be active for a minimum period of three months.

Credit facilities to SHG members:

  • Loans up to ₹ 10 lakh to individual members of select top-performing SHGs (which are more than 2 years old and have availed at least one bank loan with timely repayment as per their lending policy)

  • Individuals should be running a viable economic enterprise.

Interest Subvention Scheme for Women SHGs (as amended from time to time):

Loan Amount Interest Rate

Up to ₹ 3,00,000


Above ₹ 3 lakh and up to ₹ 5 lakh

Lower of:

  • 1 Year MCLR

  • 10%

Above ₹ 5,00,000

Bank Lending Rate

How to apply:

Applicant must visit Rural Local Bodies (RLBs) or Self-Help Promoting Institutions (SHPIs) to apply for Loans under the NRLM Scheme.