Central government scheme · Ministry of Rural Development
Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (including Lakhpati Didi)
Also called DAY-NRLM
The Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (including Lakhpati Didi) (DAY-NRLM) is run by the Ministry of Rural Development. It organises rural women into Self Help Groups and helps them get bank credit, skills, financial literacy and markets to start or grow livelihoods. The scheme is for rural women organised into Self Help Groups in their village, with Lakhpati Didi support specifically for women SHG members. Beneficiaries get access to bank loans, financial literacy camps, support from trained community workers, marketing of products, and enterprise training. To apply, join or form a Self Help Group in your village, ask your Gram Panchayat or block office for the local staff, take part in savings, training and bank linkage, and then apply for individual enterprise loans from banks.
Written by AI from the official details below.
Who can apply for DAY-NRLM
- Rural women, organised into Self Help Groups in their village.
- Lakhpati Didi support (enterprise training, individual bank credit) is for women SHG members.
DAY-NRLM benefits
- Access to bank loans for SHGs, and dedicated credit products from all public sector banks (and one private bank) for individual women SHG members starting or expanding an enterprise.
- Financial literacy camps on savings, credit, insurance, pensions and enterprise finance.
- Support from trained community workers: Bank Sakhis at bank branches, Krishi Sakhis for crops and Pashu Sakhis for livestock.
- Marketing of SHG products through Saras Aajeevika stores and e-commerce platforms.
- Enterprise training under the National Campaign on Entrepreneurship launched in January 2026.
How to apply for DAY-NRLM
- Join or form a Self Help Group in your village; ask your Gram Panchayat or block office for the local DAY-NRLM staff.
- Through the SHG, take part in savings, training and bank linkage.
- SHG members can then apply for individual enterprise loans from banks under the Lakhpati Didi initiative.
Where it applies
Every state and union territory. See what else applies near you
Checked
Checked against the sources below on 16 October 2026. Rules change, so confirm on the official site before you apply.
- DAY-NRLM financial inclusion of women SHG members (Rajya Sabha reply, 24 Jul 2026) · Press Information Bureau
- Key Interventions for Women's Economic Advancement (6 Mar 2026) · Press Information Bureau
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