Livelihood Loan

Financial support through Deendayal Antyodaya Yojana-National Rural Livelihood Mission (DAY-NRLM) for Self Help Groups and rural families.

🏛️ Scheme Details:

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

Central sponsored programme under Ministry of Rural Development, Government of India

📋 Eligibility for SHGs:

  • ✅ Must be active for at least 6 months (based on group records)
  • 🔄 Should follow Panchasutras: regular meetings, savings, lending, repayments, record-keeping
  • ⭐ Must meet NABARD grading standards
  • 🔄 Inactive SHGs can qualify if revived and active for 3 months

💰 Loan Benefits:

For 250 Backward Districts

  • 💰 Loans up to ₹3 lakh at 7% interest
  • 📉 On timely repayment: Additional 3% cut (Pay only 4%)
  • 👩 Special focus on women SHGs

For Other Areas

  • 🏦 Regular loans as per bank terms
  • 🎯 State government support for 7% interest rate
  • 📈 Interest difference covered by state

� Security Features:

  • 💳 SHGs can get loans up to ₹10 lakh without security/margin money
  • 📋 Banks follow RBI and NABARD guidelines
  • 👥 Group guarantee mechanism
  • 📊 Credit discipline through group monitoring
Target: Women SHGs in rural areas, focus on backward districts with special interest rates
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