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DAY-NRLM stands for Deendayal Antyodaya Yojana -National Rural Livelihoods Mission.
National Rural Livelihoods Mission is under which ministry?
It is implemented by the Ministry of Rural Development through State Rural Livelihood Missions (SRLMs).
Who are the target beneficiaries of DAY-NRLM?
The rural poor, especially women, SCs, STs, minorities, and vulnerable groups, are the main beneficiaries.
How does DAY-NRLM help in poverty reduction?
By promoting SHGs, financial inclusion, skill development, and sustainable livelihoods, DAY-NRLM helps in poverty alleviation.
Is DAY-NRLM relevant for UPSC preparation?
Yes, it is important for GS Paper 2 (Governance), GS Paper 3 (Development), and Essay Paper in UPSC Mains.
National Rural Livelihoods Mission (DAY-NRLM), Objectives, Beneficiaries, Benefits
National Rural Livelihoods Mission (DAY-NRLM), launched in 2011, covers over 10 crore rural women across 7,144 blocks. It promotes SHGs, financial inclusion, and skill training. Over ₹10.2 lakh crore in bank credit and ₹51,000 crore in support have been provided to SHGs under Deendayal Antyodaya Yojana.
Deeksha Dixit24 Jul, 2025
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National Rural Livelihoods Mission (NRLM), now known as Deendayal Antyodaya Yojana, is a government scheme under the Ministry of Rural Development (MoRD). This scheme aims to reduce rural poverty by promoting self-employment and skilled wage employment opportunities. DAY-NRLM empowers rural poor, especially women, by forming Self-Help Groups (SHGs), strengthening financial inclusion, and improving access to sustainable livelihoods.
Deendayal Antyodaya Yojana National Rural Livelihoods Mission (DAY-NRLM)
National Rural Livelihood Mission has been renamed asDeendayal Antyodaya Yojana. The Deendayal Antyodaya Yojana National Rural Livelihoods Mission (DAY-NRLM) is a flagship poverty alleviation program that was launched in 2011. With a focus on women-led SHGs, this mission encourages savings, internal lending, credit access, and livelihood diversification.
Here is an overview of this government scheme forUPSC exam:
Deendayal Antyodaya Yojana Overview
Full Name
Deendayal Antyodaya Yojana National Rural Livelihoods Mission
Objective
To reduce rural poverty by enabling poor households to access gainful self-employment and skilled wage employment
Implementing Body
Ministry of Rural Development (MoRD)
Target Coverage
Around 7 crore (70 million) rural poor households across approximately 600 districts, 6000 blocks, and 2.5 lakh Gram Panchayats in India
Key Components
Mobilization of rural poor into Self-Help Groups (SHGs) and their federations
Enhancing access to credit, financial, technical, and marketing services
Capacity building and skill development for livelihoods
Community Institutions
SHGs, Village Organizations (VO), and Cluster Level Federations (CLFs)
Funding
Centrally sponsored scheme
Supporting Schemes
Works in conjunction with Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS)
Implementation Units
State Rural Livelihood Missions (SRLM), District Mission Management Units (DMMUs), Block Mission Management Units (BMMUs)
Active In
7,144 blocks across 745 districts
National Rural Livelihood Mission Objectives
The key objective of National Rural Livelihood Mission is to uplift the socio-economic conditions of the rural poor. Here are some other objectives of this scheme:
Mobilise rural poor households into self-managed SHGs and unite them at various levels.
Promote sustainable livelihoods through skill development, micro-enterprise support, and access to employment.
Make it easier for SHGs and their members to get bank loans, insurance, and pensions.
Train and support poor families so they can earn better and live better lives.
Encourage new ideas and work with others to improve village life.
Join hands with other government schemes like MGNREGA, PMAY-G, and PMGSY to give more support and benefits to the poor.
With the above objectives, DAY-NRLM adopts a demand-driven and community-led approach, which ensures rural participation in development.
National Rural Livelihood Mission Beneficiaries
National Rural Livelihood Mission primarily focuses on those who are traditionally excluded from mainstream development. Here are the main beneficiaries of this scheme:
Rural women from Below Poverty Line (BPL) families.
Scheduled Castes (SC), Scheduled Tribes (ST), and Other Backward Classes (OBC).
People with disabilities and elderly members.
Minority groups and other vulnerable sections.
Small and marginal farmers, landless labourers, and migrant workers.
Youth from rural areas seeking employment or entrepreneurship opportunities.
In DAY-NRLM, special emphasis is given to women empowerment, with at least one woman from each rural household being part of an SHG.
Benefits of the National Rural Livelihood Mission
The benefits of National Rural Livelihood Mission are as follows:
Empowerment of Women and Poor Households: Promotes social inclusion by organizing one woman from each rural poor household into Self Help Groups (SHGs).
Financial Inclusion and Credit Access: Facilitates bank linkages, provides interest subvention, and supports SHGs with revolving and investment funds to improve credit access.
Livelihood and Skill Development: Enhances income generation through training, skill-building, self-employment support, and market linkages, especially for rural youth via RSETIs.
Institution Building and Capacity Strengthening: Focuses on creating strong SHG federations and training members in financial management, governance, and livelihood strategies.
Decentralized and Integrated Planning: Allows states to customize poverty reduction plans and ensures convergence with various ministries for holistic rural development.
The mission also encourages digital empowerment through initiatives like e-SHGs.
National Rural Livelihoods Mission Achievements
Since its inception, the National Rural Livelihoods Mission's achievements reflect its wide reach and impact. Here are some of the key Achievements of DAY-NRLM:
The mission is active in 7,144 blocks across 745 districts in 28 states and 6 union territories.
10.05 crore rural women households have been mobilized into over 90.90 lakh Self Help Groups (SHGs).
A total capitalisation support of around ₹51,368 crore has been provided to SHGs and their federations.
Since 2013-14, these SHGs have accessed cumulative bank credit amounting to approximately ₹10.20 lakh crore.
Under this mission Start-up Village Entrepreneurship Programme (SVEP) has supported 3.74 lakh enterprises by mid-2025.
In essence, DAY-NRLM ensures participation, ownership, and transparency. For UPSC aspirants, DAY-NRLM serves as a case study on inclusive development and participatory governance.
