Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)
Kudumbashree is designated as the State Rural Livelihood Mission (SRLM) under DAY – NRLM of Ministry of Rural Development. While Kudumbashree had undertaken various innovative pilots and strategies to reach the poor in the state under the Annual Action Plan (AAP) of 2014-15, the focus of AAP of 2015-16 was on Communitization. In 2016 – 17, Kudumbashree focuses on social and financial inclusion of various vulnerable sections. Further, in order to build, support and sustain livelihoods of the poor including non timber forest produce, Kudumbashree will harness their capability and complement them with capacities (information, knowledge, skill, tools, finance and collectivization) in 2016-17, so that the poor can enhance and expand their existing livelihoods.
“To reduce poverty by enabling the poor households to access gainful self-employment and skilled wage employment opportunities, resulting in appreciable improvement in their livelihoods on a sustainable basis, through building strong grassroots institutions of the poor.”
NRLM Core Components
A. Institutional Building & Capacity Building
Building Institutions of the Poor : At least one member from each poor household would be brought under the Self-help network. Special efforts are made to identify vulnerable and marginalised households – SCs/STs, PVTGs, single women and women headed households, disabled, landless, migrant labour, isolated communities and communities living in remote, hilly and disturbed areas.
Building Capacities: NRLM ensures the poor are provided with the requisite skills for managing their institutions, linking up with markets, managing their existing livelihoods, enhancing their credit absorption capacity and credit worthiness.
B. Financial Inclusion - Capitalizing Institutions of the Poor
NRLM provides Revolving Fund and Community Investment Fund (CIF) as Resources in Perpetuity to the institutions of the poor, to strengthen their institutional and financial management capacity and build their track record to attract mainstream bank finance.
NRLM provides Revolving Fund (RF) to SHGs of Rs.10,000-15,000 as corpus to meet the members’ credit needs directly and as catalytic capital for leveraging repeat bank finance. RF is given to SHGs that have been practicing ‘Panchasutra’ (Regular meetings; Regular savings; regular inter-loaning; Timely repayment; and Up-to-date books of accounts).
NRLM provides Community Investment Fund as Seed Capital to SHG Federations at Cluster level to meet the credit needs of the members through the SHGs/Village Organizations and to meet the working capital needs of the collective activities at various levels.
NRLM provides Vulnerability Reduction Fund (VRF) to SHG Federations at Village level to address vulnerabilities like food security, health security etc., and to meet the needs of the vulnerable persons in the village.
C. Livelihoods Promotion
NRLM focuses on stabilizing and promoting existing livelihoods portfolio of the poor through deepening/enhancing and expanding existing livelihoods options and tapping new opportunities in farm and non-farm sectors;
D. Social Inclusion & Development
In order to ensure that no poor family is left out, NRLM would use differential strategies for social inclusion of all identified rural poor households into functionally effective and self-managed institutions, with particular focus on more vulnerable sections like Scheduled Castes (SCs), Scheduled Tribes (STs), Primitive Tribal Groups (PTGs), single women and women headed households, Persons With Disabilities (PWDs), landless, migrant labour, isolated communities and communities living in remote, hilly and disturbed areas. The mobilization would begin with them first. The mobilization effort would progress with the satisfactory community readiness and milestones for various stages of mobilization and graduation as evolved and tested in a participatory manner. Existing institutions, their leaders, staff and community resource persons (CRPs) would support the processes of inclusion and mobilization.
Major Programmes (2016-17)
|1.||Capacity Building of Mission Staff, Micro Enterprise Consultants, Training Teams and Resource Persons|
|2.||Distribution of Community Funds (Community Investment Fund, Revolving Fund, Vulnerability Reduction Fund)|
|3.||Financial Literacy Campaign and promotion of Bank Linkages|
|4.||Social Inclusion and Development (Tribals, PwDs, Coastal population)|
|6.||Collectivisation of livelihoods|
|7.||Intervention in NTFP (Non Timber Forest Produce)|
Approve Budget (2016 – 17)
Rs. 11.48 crores