DAY-NRLM (National Rural Livelihoods Mission - Gramin Micro Enterprise)
दीनदयाल अंत्योदय योजना - राष्ट्रीय ग्रामीण आजीविका मिशन
Ministry / Dept: Ministry of Rural Development (MoRD) • Agency: State Rural Livelihood Missions (SRLM) / District Gramin Vikas Agencies
📋 Scheme Objective & Overview
Flagship Panchayat & Rural Development scheme empowering rural women, village entrepreneurs, and self-help groups with collateral-free credit up to ₹20 Lakhs at 7% subsidized interest to start micro-businesses.
💰 Key Financial Benefits & Subsidy Details
- ✓Zero collateral and zero margin money requirement up to ₹20 Lakhs loan.
- ✓Subsidized interest rate at flat 7%, reduced to 4% for regular monthly repayments.
- ✓One-time Revolving Fund grant of ₹15,000 and Community Investment Fund (CIF) up to ₹1.50 Lakh.
- ✓Free enterprise incubation, packaging support, and SARAS rural fair marketing tie-ups.
🎯 Who is Eligible? (Eligibility Criteria)
- •Rural Women Self-Help Groups (SHGs) active for at least 6 months with regular Panchasutra practices.
- •Individual rural micro-enterprises run by SHG members or rural youth trained under RSETI.
- •Registered under the Gram Panchayat village organization roster.
Age Requirement: 18 to 65 years.
Education Qualification: No educational minimum (literacy and numeracy training provided)
📑 Mandatory Documents Required Checklist
Scanned PDF / Copies🚀 Step-by-Step Application Procedure
❓ Frequently Asked Questions (DAY-NRLM (National Rural Livelihoods Mission - Gramin Micro Enterprise))
What is the maximum loan limit under DAY-NRLM (National Rural Livelihoods Mission - Gramin Micro Enterprise)?
Eligible applicants can avail up to Up to ₹20 Lakhs Collateral-Free Bank Credit for SHG & Village Enterprises in financial assistance from authorized partner banks.
How much capital subsidy is provided?
The scheme provides Revolving Fund (₹15,000) + Community Investment Fund (₹1.5 Lakh) + 7% Interest Subvention credited directly to the loan bank account upon milestone verification.
Is collateral security or mortgage required?
100% Collateral-free up to ₹20 Lakhs without any margin requirement.
Ready to apply for DAY-NRLM (National Rural Livelihoods Mission - Gramin Micro Enterprise)?
Submit your online application through the official government portal.
Apply on Official Portal →Toll-Free Helpline: 011-23381614
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