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Rural Livelihood Mission in Numbers

Publication: The True Picture.in
Date: April 5, 2018
URL:      https://www.thetruepicture.in/rural-livelihood-mission-numbers/

At a time when narratives of a certain hue are being built and circulated about rural India, especially about livelihood and poverty, we thought it might be provide us with some insights to look into what precisely the government has been doing to uplift rural life and living.

For the purposes of this listicle, we decided to take a look at the flagship Deendayal Antyodaya Yojana—National Rural Livelihoods Mission (DAY-NRLM) and see what it has been doing to alleviate rural poverty and nurture livelihoods.

The programme, originally launched in 2011 as Aajeevika, was renamed in 2015. It works by means of building sustainable community institutions for the poor. It is a flagship programme of the Ministry of Rural Development and it partners states in its implementation.


- Although launched in 2011, DAY-NRLM has rapidly expanded in the last 3 years

- During fiscal 2017-18, 820 additional blocks were covered under the “Intensive” strategy

- DAY-NRLM is being implemented in 4,459 blocks across 586 districts in 29 States and 5 Union Territories



- Fiscal 2017-18 witnessed more than 82 lakh households being mobilised into 6.96 lakh Self Help Group (SHGs) across India

- More than 4.75 crore women have been mobilised into more than 40 lakh SHGs

- These SHGs were divided into 2.2 lakh village-level federations and 19,000-plus cluster-level federations

- In total, these community institutions have been given more than Rs 4,444 crore as capitalisation support

Financial Inclusion

- DAY-NRLM works closely with the Department of Financial Services (DFS), RBI and the Indian Bank Associations (IBA) to provide bank credit to SHGs

- Loans outstanding to SHGs increased from Rs 22,238 crore in fiscal 2013-14 to Rs 64,589 crore as of February 2018

- Rs 1.55 lakh crore worth of bank credit has been leveraged by these SHGs over the last 5 years

- Importantly, the portfolio’s quality has significantly improved. The NPA of the portfolio has declined from 23% before the programme to 2.4% currently

Financial Services in Remote Areas

- Nearly, 1,518 SHG members have been deployed as Banking Correspondent Agents (BCAs) to provide last-mile financial services, including deposit, credit, remittance, disbursement of old-age pensions and scholarships, payment of MGNREGA wages and enrolment under insurance and pension schemes

- As of February 2018, 1.78 lakh SHG members had availed banking services through BCAs and over 8.9 lakh transactions, amounting to Rs 187.92 crore, were completed

- In all, SHGs have played a key role in improving last-mile credit delivery under the programme

Interest Subvention

- To subsidise the cost of borrowing, DAY-NRLM offers interest subvention to women SHGs availing bank loans amounting to Rs 3 lakh

- Interest subvention is seen to reduce the cost of borrowing to 7% annually

- In 250 districts, an additional interest subvention of 3% is allowed on timely repayment of loans. This reduces the effective interest rate to 4% annually

- A cumulative Rs 2,324 crore has been provided as interest subvention since the programme began

Mahila Kisan Shashaktikaran Pariyojana (MKSP) & Value-Chain Initiatives

- The objective behind the MKSP is the promotion of agricultural and ecological practices to increase women farmers’ incomes and reduce their input costs as well as risks

- As of March 2018, more than 33 lakh women farmers were being supported under MKSP

- Again, about 8 lakh mahila kisans were mobilised into 86,000 Producer Groups (PGs) divided into 126 Producer Companies (PCs)

- Such are the value-chain initiatives that contribute significantly to farmers’ incomes. As of February 2018, more than 1.05 lakh SHG members were covered by this means

- To enhance agricultural productivity, 4,150 Custom Hiring Centre/ Community Managed Tool Banks were promoted across several states. The centres enable small and marginal famers to hire farm equipment and services at nominal rates

Community Livelihood Professionals

- More than 1.72 lakh community members have been trained and deployed to provide support to the community institutions in activities like
bookkeeping, training & capacity-building, financial services, among others

- This includes more than 22,000 Community Livelihoods Resource Persons (CLRPs) – like Krishi Sakhi and Pashu Sakhi — who provide round-the-clock door-step extension services to small and marginal farmers, including dairy farmers

Start-Up Village Entrepreneurship Programme (SVEP) & Aajeevika Grameen Express Yojana (AGEY)

- The SVEP seeks to support entrepreneurs in rural areas in setting up local enterprise

- It has been implemented in 17 states since 2016-17 – and about 16,600 enterprises have been supported under the SVEP, employing about 40,000 individuals

- The AGEY seeks to provide safe, affordable and community-monitored rural transport services to connect remote rural villages.

- As of March 2018, proposals from 17 states have been approved, with 288 vehicles in operation

Deendayal Upadhyaya Grameen Kaushalya Yojana (DDUGKY)

- The main purpose of the DDUGKY is to offer placement-oriented skill development for rural youth and thereby place them at better employment levels in the economy, with comparatively higher wages

- In fiscal 2017-18, and as of February 2018, 1.28 lakh rural youth have been trained and 69,320 placed

- As of March 31, 2018, 7.56 lakh candidates have been registered in the Kaushal Panjee application, which is a mobile app for registering prospective training candidates

Rural Self-Employment Training Institutes (RSETIs)

- At present, 586 RSETIs are supported by DAY-NRLM. These cover 566 districts in 28 states and 4 UTs

- In 2017-18, a total of 4.23 lakh candidates have been trained and 3.34 lakh settled

- 1.52 lakh candidates of those settled have successfully got credit-linkage from banks for setting up their ventures. These include 8,911 candidates who received loans under MUDRA.

- Of the total candidates trained in RSETIs, 60% are women

- In 2017-18, the RSETI scheme has also been aligned with the Common Norms for Skill Development schemes and National Skill Qualification Framework

- A total of 26 RSETIs have completed constructing their own buildings last fiscal. Cumulatively, since fiscal 2014-15 till fiscal 2017-18, a total of 16.97 lakh candidates have been trained and 12.51 lakh candidates settled.
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