🏛️
DAY–NRLM: A Blueprint
for Empowering Rural Communities

Date:
October 24, 2025

(Updated for TNPSC Group I / II / UPSC Mains
& Prelims)

📌 Overview

·        
Scheme Name:
Deendayal Antyodaya Yojana – National Rural Livelihood Mission (DAY-NRLM)

·        
Launched:
2010 (as NRLM); renamed DAY-NRLM
in 2016

·        
Ministry:
Ministry of Rural Development (MoRD)

·        
Type:
Centrally Sponsored Scheme (CSS) – jointly funded by Centre & States

🎯 Objectives

To reduce
rural poverty by enabling poor households to access:

1.     
Gainful self-employment

2.     
Skilled wage
employment opportunities

3.     
Financial
inclusion and social empowerment

⚙️ Core Components

1.     
Social
mobilization & formation of sustainable SHGs

2.     
Financial
inclusion (credit access & banking)

3.     
Sustainable livelihoods
(farm & non-farm)

4.     
Social inclusion
& entitlements convergence

👩🌾
Achievements (As of June 2025)

Indicator	Achievement
Households mobilised	10.05 crore women across 28 States + 6 UTs
Self-Help Groups (SHGs)	90.90 lakh
Total SHG credit	₹ 11 lakh crore
Women Farmers	4.62 crore (“Mahila Kisans”)
Krishi & Pashu Sakhis	3.5 lakh
Bank Sakhis	47,952

📊 Top-Performing States

Category	Leading States
SHG Formation	Bihar, Uttar Pradesh, Andhra Pradesh
Capital Support	Uttar Pradesh – ₹ 1,23,326 lakh; Bihar – ₹ 1,05,132 lakh
Bank Loan Disbursal	Andhra Pradesh – ₹ 34,83,725 lakh
Farm Initiatives	Maharashtra > UP > AP
Non-Farm Enterprises	Assam > Kerala > West Bengal

💼 Women Empowerment Initiatives

·        
Bank
Sakhis → Bridge SHGs with banks

·        
Krishi/Pashu
Sakhis → Last-mile support for agriculture & livestock

·        
Start-Up
Village Entrepreneurship Programme (SVEP) → Supported 3.74 lakh micro-enterprises
(handicrafts, food processing)

🧰 Skill & Employment Sub-Schemes

1️⃣
Deen Dayal Upadhyaya
Grameen Kaushalya Yojana (DDU-GKY)

·        
Age group:
15–35 yrs

·        
Goal:
Placement-linked skill training

·        
Progress
(June 2025):

o    17.50 lakh trained

o    11.48 lakh placed

o    Top States: UP > Odisha > AP
(Training); Odisha > AP (Placement)

2️⃣
Rural Self Employment
Training Institutes (RSETIs)

·        
Age group:
18–50 yrs

·        
Goal:
Entrepreneurship & self-employment promotion

·        
Progress
(June 2025):

o    56.69 lakh trained

o    40.99 lakh settled

o    Top States: UP > Rajasthan > MP

🏪 Market & Institutional Support

·        
SARAS
Aajeevika Melas: Showcase SHG products nationally

·        
NIRD &
PR: Branding, marketing, and enterprise training support

🧕 Key Community Roles

Role	Function
Krishi Sakhi	Agriculture service provider in rural areas
Pashu Sakhi	Livestock & veterinary support
Bank Sakhi	Assists SHGs with banking, credit linkage
Bima Sakhi / BC Sakhi	Insurance & digital financial inclusion

🏢 Ministry of Rural Development (MoRD)

·        
Union
Minister: Shivraj Singh Chouhan
(Vidisha, MP)

·        
MoS:
Dr. Chandra Sekhar Pemmasani (Guntur, AP); Kamlesh Paswan (Bansgaon, UP)

🧭 Exam-Ready Pointers

Topic	Key Fact
Launch Year	2010 (NRLM); renamed 2016
Ministry	Rural Development
Objective	Poverty alleviation via SHGs & self-employment
Women Mobilised	10.05 cr (2025)
Credit Mobilised	₹ 11 lakh cr
Top SHG States	Bihar > UP > AP
Associated Schemes	DDU-GKY, RSETI, SVEP