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"To reduce poverty by enabling the poor households to access gainful self-employment & skilled wage employment opportunities, resulting in appreciable increase in their incomes, on a sustainable basis through building strong grass roots institutions of the poor"


"Bring out each poor family out of acute poverty in 6 - 8 years with an annual income of atleast Rs. 50,000.00"


Download — NRLM Framework for Implementation

National Rural Livelihoods Mission (NRLM)

The Swarnjayanti Gram Swarozgar Yojana- a holistic self employment programme for the rural poor is now being restructured and renamed as National Rural Livelihoods Mission(NRLM).The restructured programme will be implemented in a mission mode approach with a time bound and outcome based approach. The Poverty is multi-dimensional thus a multi pronged approach is required to tackle this issue. NRLM will at addressing the needs of rural poor by adopting a multi pronged strategy for poverty eradication through building and nurturing organizations of the poor.

NRLM’s core belief is that poor extremely capable, they want to come out of poverty and enjoy and enjoy a decent quality of life. Their capabilities are suppressed by a variety of obstacles psychological, economic, social, religious and political. Their intrinsic capabilities are unleashed only when they are organized into institutions that they truly own.

Salient features/approaches under NRLM

  • Universal Social Mobilization:

    Universal Social Mobilization through formation of SHGs under NRLM: This will ensure that at least one member of each rural BPL household, preferably a woman member of the household, is brought under the Self Help Group(SHG) net. There will be focus on the most vulnerable households SC/ST, single women, minorities, persons with disabilities, etc.
  • Promotion of Institutions of the poor:

    With a view to form strong Peoples Institutions, NRLM will focus on setting up of federations of SHGs from village panchayat to district levels. In addition, other grassroots organizations such as livelihoods groups, producer companies, etc would be encouraged.
  • Universal Financial Inclusion:

    The goal of universal financial will be furthered not only through opening accounts of all beneficiaries but also securing credit for them from banking sector. Building and nurturing SHGs, enabling them to access finance from financial institutions will enabling them to:
    • Come out the high cost debt trap(debt swapping)
    • Meet their consumption needs food, health, education, etc.
    • Acquire assets for income generation
  • Capacity Building and Training:

    Capacity building and training of the beneficiaries as well as other stakeholder is one of the important aspects of SGSY.
  • Revolving Fund and Capital Subsidy:

    Subsidy would be available in the form of revolving fund and capital subsidy. The Revolving Fund would be provided to the SHGs as an incentive to inculcate the habit of thrift and accumulate their own funds towards meeting their credit needs in the long-run and immediate consumption needs in the short-run. Subsidy would be a corpus and used for meeting the members’ credit needs directly and as catalytic capital for leveraging repeat bank finance. Capital Subsidy fund would be given directly to the SHGs or would be routed to the SHGs through the federations, wherever the SHGs desire such an arrangement. The key to coming out of poverty is continuous and easy access to finance, at reasonable rates, till they accumulate their own funds in large measure.
  • Provision of Interest Subsidy:

    The rural poor need credit at low rate of interest and in multiple doses to make their ventures economically viable. In order to ensure affordable credit, NRLM has a provision for subsidy on interest rate above 7% per annum for all eligible SHGs, who have availed loans from mainstream financial institutions, based on prompt loan repayment.
  • Livelihoods:

    Poor have multiple livelihoods as a coping mechanism for survival. Their existing major livelihoods are: wage labour, small and marginal holding cultivation, cattle rearing, forest produce, fishing, and traditional non-farm occupations. The net incomes and employment days from the current livelihoods are not adequate to meet their expenditures. NRLM would look at the entire portfolio of livelihoods of each poor household, and work towards stabilizing and enhancing the existing livelihoods and subsequently diversifying their livelihoods.
  • Infrastructure creation and Marketing support:

    NRLM would seek to ensure that the infrastructure needs for the major livelihoods activities of the poor are met with. It would also provide support for marketing to the institutions of the poor. The range of activities in marketing support includes market research, market intelligence, technology extension, developing backward and forward linkages, building livelihoods collectives and supporting their business plans. NRLM would encourage and support partnerships with public and private organizations and their networks/associations for these activities, particularly for market linkages. Rural Haats would also be encouraged to directly link producer groups (SHGs) and individual producers with urban and peri-urban markets through a well developed system of continuous identification and rotation of beneficiaries.
  • Skills and Placement Projects:

    NRLM would scale up the existing skill and Placement projects through partnership mode as one of the best investments in youth, and provide impetus to livelihoods opportunities in emerging markets. For strengthening this, various models of partnerships with public, private, non-government and community organizations would be developed. A strong relationship would also be developed with industry associations and sector specific employers’ associations. National Skill Development Corporation (NSDC) would be one of the leading partners in this effort. 15% of the central allocation under NRLM is earmarked for this purpose.
  • Rural Self Employment Training Institutes (RSETIs):

    In order to ensure institutional arrangement for skill development for self employment and wage employment, dedicated training institute for rural BPL youth i.e Rural Self Employment Training Institutes(RSETIs) are being set up with the aim of having at least one such district of the country