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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.

NRLM Mission

“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 (2017-18)
Sl.No. Section Amount (Rs. In Lakhs)
I Organisation  1,150
1 Saturation of Coastal Panchayaths : 450
  a Community Strengthening
  b Interventions with focus on Social capital 
  c Livelihood interventions 
2 Promotion of SHGs, VOs and CLFs : 250
  a NHG School
  b Legal Consciousness
3 Capacity building of institutions 50
4 Bookkeeping and auditing 25
5 Deployment of social capital 45
6 Capacity building of Mission staff 50
7 Convergence with PRIs and government programmes 80
8 Elderly Inclusion Project under NRLP 200
II Social Development 1,550
1 Tribal special interventions in four districts  650
  a Revival and reorganisation of existing NHGs & formation of new NHGs/Federations 
  b Community Funds
  c Capacity Building
2 Handholding support/CRP for tribal areas 150
3 Mainstreaming of gender in all activities : 150
  a Gender Sensitization and Capacity Building
  b Counseling and psycho social support
4 Comprehensive tribal and particularly vulnerable tribal group development project (Attappady) under NRLP 600
III Micro Finance 3488.63
1 Capitalization of SHGs, VOs and CLFs :  
  a Revolving Fund (RF) 1500
  b Vulnerability Reduction Fund (VRF)  375
2 Financial literacy and opening of individual bank accounts 28
3 Sensitization and training of bankers 10
4 Mainstreaming NRLM agenda in BLCCs, DLCCs and SLBCs & Deployment of bank sakhi and promotion of CBRM 10
5 Provision of interest subvention 700
6 Adoption, piloting and scaling-up of transaction-based MIS and use of MIS data & Training of staff and community resource persons in MIS reporting 865.63
IV Micro Enterprises / Business Development / Community Enterprises Fund 2500
1 Capacity building of NHG members/entrepreneurs towards sustainable livelihoods :  
  a Farm/ NTFP/Animal Husbandry MEs/Collectives 260
  b Non-farm  service sector MEs/ Collectives
2 Development of Women Product Line / Market linkages 140
3 Capacitation of MECs 25
4 Community Enterprise Fund 2000
  a Promotion of MCP-based lending 50
5 Market fairs 25


Approve Budget (2017 – 18)

Rs. 9800.73 Lakh

Related Downloads

Kudumbashree NRLM Overall Achievements
Kudumbashree NRLM Achievement 2015-16
Kudumbashree NRLM Achievement 2014-15
Kudumbashree NRLM Achievement 2013-14
Kudumbashree NRLM Annual Action Plan 2016-17
Kudumbashree NRLM Annual Action Plan 2017-18
Proceedings-NRLM/NRLP funds for the year 2017-18
NRLM 2017-18 Districtwise Fund Allocation