Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Employment Programme

Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Employment Programme helps urban residents in Uttarakhand get financial support and guidance to start or grow their own business. Under this scheme, an individual can get a loan of up to ₹2.00 lakh while a group enterprise can get up to ₹10.00 lakh, with the interest kept at just 7% through a government subsidy.

This scheme is run in Uttarakhand by the Urban Development Directorate through the local municipal bodies. It is part of the central Deendayal Antyodaya Yojana - National Urban Livelihoods Mission of the Ministry of Housing and Urban Affairs. For 2026, the scheme continues to be open for eligible urban poor families who want to set up or expand a self-employment venture.

Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Employment Programme - Introduction

Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Employment Programme is a key part of the national urban livelihoods mission. In Uttarakhand, the Urban Development Directorate looks after its rollout, and the local municipal body such as Nagar Nigam Dehradun handles the day to day work. The main aim is to reduce poverty among urban poor households by helping them get gainful self-employment and skilled wage work.

The scheme supports both individual and group enterprises by making subsidized loans easy to reach. Along with the loan, it also links eligible people with the Credit Guarantee Fund Scheme and provides support for credit cards to meet working capital needs. This helps a person build a stable income and create jobs for others in the community.

For 2026-27, the Uttarakhand Urban Development Directorate continues to implement the Self-Employment Programme as part of DAY-NULM. The scheme remains active for urban residents who meet the eligibility conditions, and applications are accepted through the local municipal body.

Key Information

Benefits

People who take part in this scheme get access to real financial support to lift their family's income level. The main benefits are given below.

This support lets a person build their own business, create wealth, and possibly give employment to others in the community. For group enterprises, a group of at least five members can apply together, with a minimum of 70% of the members belonging to urban poor families.

Eligibility

To qualify for this support, the applicant should meet the following conditions.

• The applicant must be a resident of urban Uttarakhand and live within the area of the relevant municipal body.
• The total family annual income should stay below ₹3.00 lakh as per government standards.
• For group enterprises, the group must have at least five members, and a minimum of 70% of them should belong to urban poor families.

Application Process

Applying is a simple and free process done through the local municipal body. The steps are given below.

STEP 1 - Visit the local municipal office to collect the official application form for the Self-Employment Programme.

STEP 2 - Prepare a project report that explains the business plan and the estimated cost of the venture, up to ₹2.00 lakh for an individual.

STEP 3 - Gather the required documents, including Aadhaar card, income certificate or a ₹10 self-declared affidavit, a passport-size photograph, address proof, and the bank passbook.

STEP 4 - Submit the completed application and the document set to the municipal office.

STEP 5 - Officials will check the application and call the applicant for a meeting with the task force committee.

STEP 6 - Once the committee approves the project, the application is sent to the bank for final loan payment.

Documents

Make sure the following documents are ready to confirm eligibility.

• Aadhaar Card
• Income certificate or a ₹10 affidavit confirming that no prior bank loan has been taken
• Project report for the intended activity, costing up to ₹2.00 lakh
• One recent passport-size photograph
• Address proof such as a ration card or electricity bill
• An active bank passbook

References

Uttarakhand Urban Development Directorate - DAY-NULM

Operational Guidelines for Self-Employment Programme (PDF)

Official DAY-NULM Website

FAQ's

Who is eligible for this scheme?

Individuals living in municipal areas with an annual family income of less than ₹3.00 lakh can apply. Group enterprises need at least five members, with 70% from urban poor families.

What financial support can I get?

An individual can get a loan of up to ₹2.00 lakh, while a group enterprise can get up to ₹10.00 lakh from a bank for self-employment.

How does the interest subsidy work?

The borrower pays only 7% interest, and the remaining part is paid by the government, subject to timely repayment.

Can I use this to expand an existing business?

Yes, the scheme is made for both beginners and people who want to expand their current work.

How do I submit my application?

Submit the application package, along with all required documents, to the local municipal body office.

Is there a fee to apply?

No, the application process at the municipal level is completely free.

How is my application checked?

The local municipal task force reviews the project report and holds a short meeting with the applicant to check the feasibility of the idea.

Can I apply if I have taken a loan before?

No, this scheme is for fresh applicants who have not taken any earlier loan from a bank.

How is the loan amount given to me?

Once the task force committee clears the application, the municipal body sends it to the bank, which then processes and pays out the funds.