Deen Dayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM)

Quick Facts

• Purpose: To sustainably reduce poverty and vulnerability of urban poor households.
• Type: Centrally Sponsored Scheme (CSS).
• Beneficiaries: Urban poor individuals, Self-Help Groups (SHGs), and groups/collectives.
• Coverage:
  • All District Headquarter Towns, and
  • All cities with population ≥ 1 lakh (as per Census 2011).

Objectives

• Enable the urban poor to access self-employment and skilled wage employment opportunities.
• Build strong grassroots-level institutions of the poor.
• Provide shelters with essential services for the urban homeless in a phased manner.
  
  

Salient Features

Social Mobilisation

• At least one member from every urban poor household, preferably a woman, must be part of the SHG (Self-Help Group) network.
• SHG Membership Rules:
  • 10–20 members normally.
  • In tribal/hilly areas: groups with <10 members are allowed.
  • For differently-abled persons: SHGs may have a minimum of 5 members.
• Funding support only if at least 70% of SHG members are urban poor.

Financial Support

• Two types of micro-enterprises supported:
  1. Group-led Micro-Enterprises:
     • Minimum 2 members (70% must be urban poor).
     • Eligible for max loan: ₹2 lakh per member or ₹10 lakh total, whichever is less.
  2. Individual-led Micro-Enterprises:
     • Project cost ceiling: ₹2 lakh.

SHG – Bank Linkage

• Interest Subsidy: Above 7% interest on loans taken by SHGs.
• Extra Incentive: An additional 3% interest subvention for all-women SHGs that repay loans on time.

Support to Urban Street Vendors

• Skilling, micro-enterprise development, and credit enablement.
• Pro-vending urban planning and social security coverage.
• Permanent 24×7 all-weather shelters for the homeless.

Promoting Innovative & Special Projects

• Funded 100% by the Centre (no state share required).
• Focuses on:
  • Public–Private–Community Partnership (P-P-C-P).
  • Demonstrating scalable innovative livelihood models.

Monitoring & Evaluation

• State Mission Management Unit (SMMU): Oversees implementation at the state level.
• City Mission Management Unit (CMMU): Monitors progress at the ULB (Urban Local Body) level.
  
  

Key Initiatives under DAY-NULM

1. UNDP Partnership:
   • Focused on empowering women for entrepreneurship.
   • Currently in 8 cities, extendable beyond 2025.
2. NIPUN (National Initiative for Promotion of Upskilling of Nirman workers):
   • Run by NSDC.
   • Aims to skill and reskill construction workers for better livelihood opportunities.
3. PaiSA Portal:
   • Centralized electronic platform for processing interest subvention on bank loans given under DAY-NULM.

✨ Conclusion

In short, DAY-NULM is not only a poverty alleviation program, but also an urban livelihood empowerment mission. It blends social mobilization (SHGs), financial inclusion (subsidized loans), support for street vendors, and shelters for homeless—creating a holistic safety net for the urban poor.

📌 For UPSC:

• Launch: As NULM (2013), restructured as DAY-NULM in 2016.
• Implementing Agency: MoHUA (Ministry of Housing and Urban Affairs).
• Focus: SHGs, Micro-enterprises, Street vendors, Shelters.
• Key Schemes Linked: NIPUN, PaiSA Portal, UNDP-NULM project.