Deendayal Antyodaya Yojana 2026 - NRLM List of Schemes at aajeevika.gov.in

DAY NRLM List of Schemes at aajeevika.gov.in: Ministry of Rural Development (MoRD) of Central government runs Deendayal Antyodaya Yojana - National Rural Livelihood Mission to lift rural families out of poverty. This rural income generation scheme is also known as Aajeevika Mission. It works in all states and union territories except Delhi and Chandigarh.

As of June 2025, the mission has brought 10.05 crore rural women into 90.90 lakh Self Help Groups (SHGs) across the country. In Union Budget 2026-27, the government raised the program component of DAY-NRLM by ₹2,880 crore to ₹17,280 crore, a 20% increase over the earlier estimate. See the complete list of schemes 2026 under DAY NRLM / Aajeevika Mission below.

DAY - NRLM in Union Budget 2026-27

Deendayal Antyodaya Yojana National Rural Livelihood Mission has done well by mobilizing rural women into Self Help Groups. In Budget 2026-27, Finance Minister Nirmala Sitharaman increased the program component of DAY-NRLM by ₹2,880 crore. The amount now stands at ₹17,280 crore, which is a 20% rise over the Revised Estimate of ₹14,400 crore for 2025-26.

The budget also pushed the Lakhpati Didi program, which runs under DAY-NRLM. The aim is to help women move from debt-based livelihoods to becoming enterprise owners. Self Help Enterprise (SHE) Marts will be set up as community-owned retail outlets within cluster-level federations. The government has set a target of creating six crore Lakhpati Didis.

What is Deendayal Antyodaya Yojana - National Rural Livelihood Mission

The Swarnjayanti Gram Swarozgar Yojana (SGSY) was a main scheme of the Ministry of Rural Development. It started in 1999 and was restructured in FY 2010-11 for implementation as the National Rural Livelihood Mission. The SGSY or NRLM Scheme aimed at providing sustainable income to rural BPL households through income generating assets and economic activities in order to bring them out of poverty.

Ministry of Rural Development (MoRD), Government of India (GoI) set up a Committee on Credit Related Issues under SGSY (under the Chairmanship of Prof. Radhakrishna) to look into various parts of the scheme implementation. The Committee suggested a "Livelihoods Approach" to rural poverty removal. The approach covered the following four related tasks:-

• Mobilizing poor households into functionally effective SHGs and their federations
• Improving access to bank credit and financial, technical and marketing services
• Building capacities and skills for gainful and sustainable livelihoods development
• Converging various schemes for efficient delivery of social and economic support services to poor households

The government accepted the suggestion of the Committee and restructured SGSY into National Rural Livelihood Mission (NRLM) in FY 2010-11 to give a sharper and greater focus as well as momentum for poverty reduction. The Framework for Implementation for N.R.L.M was approved by the Ministry on 9th December, 2010 and the Mission was formally launched on 3rd June, 2011.

Mission of National Rural Livelihood Scheme (NRLM)

To reduce poverty by enabling the poor households to access well self-employment and skilled wage employment opportunities, resulting in appreciable improvement in their livelihoods on a sustainable basis, through building strong grassroots institutions of the poor. National Rural Livelihood Mission (NRLM) implementation is in a Mission Mode which enables the following:-

1. Shift from the present allocation based strategy to a demand driven strategy enabling the states to formulate their own livelihoods-based poverty reduction action plans.
2. Focus on targets, outcomes and time bound delivery
3. Continuous capacity building, imparting required skills and creating linkages with livelihoods opportunities for the poor, including those emerging in the organized sector, and
4. Monitoring against targets of poverty outcomes.

As NRLM follows a demand driven strategy, the States have the flexibility to develop their livelihoods-based perspective plans and annual action plans for poverty reduction. The overall plans would be within the allocation for the state based on inter-se poverty ratios.

DAY-NRLM Guiding Principles

• Poor have a strong desire to come out of poverty, and they have innate capabilities
• Social mobilization and building strong institutions of the poor is critical for releasing the innate capabilities of the poor.
• An external dedicated and sensitive support structure is required to bring the social mobilization, institution building and empowerment process.
• Helping knowledge sharing, skill building, access to credit, access to marketing, and access to other livelihoods services supports this upward mobility.

National Rural Livelihood Mission (NRLM) Values

The core values which guide all the activities under NRLM are as follows:

• Inclusion of the poorest, and meaningful role to the poorest in all the processes
• Clarity and accountability of all processes and institutions
• Ownership and key role of the poor and their institutions in all stages - planning, implementation, and monitoring
• Community self-reliance and self-dependence

Components of DAY-NRLM Scheme

• Institutional Building & Capacity Building
• Financial Inclusion
• Livelihoods Promotion
• Social Inclusion & Development
• Systems
• Convergence

DAY NRLM List of Schemes 2026 - Aajeevika Initiatives

DAY-NRLM covers several additional blocks under "Intensive Strategy". This scheme is helpful in tackling farm distress. NRLM Scheme generates new income avenues and provides financial stability to rural families. NRLM will mobilize crores of households into Self Help Groups (SHGs). DAY-NRLM provides an alternative source of income to the poor families and farmers earning below MSP. Govt. has included the following initiatives under DAY-NRLM. See complete DAY NRLM List of Schemes 2026 below:-

1. Mahila Kisan Shashaktikaran Pariyojana (MKSP) - The main aim of this sub-scheme is to help women in agriculture by making systematic investments to improve their participation and productivity. The programme also seeks to create and sustain agriculture-based livelihoods for women in rural areas. Other aims are to make sure food and nutrition in the households, enable better access to services and inputs for women, improve the managerial capabilities of women, etc.
2. Community Institution Building (CIB)
3. Aajeevika Grameen Express Yojana (AGEY) - AGEY provides safe and affordable rural transport services to connect remote rural villages. This scheme started in 2017. It aims at providing alternative sources of livelihood to members of SHGs under the parent scheme by enabling them to offer public transport services in backward rural areas. The scheme offers affordable, safe, and community-monitored rural transport services to connect villages in remote areas with key amenities & services (access to health, markets, and education) for the overall economic development of the region.
4. Financial Services in Remote Areas - SHGs provide credit services to every person whether it is deposit, credit, remittance, payment of old age pensions, scholarships, payment of wages in MNREGA and insurance facilities. As of now, there are Banking Corresponding Agents which have already provided banking services to SHGs.
5. Start-up Village Entrepreneurship Programme (SVEP) - SVEP provides support to entrepreneurs in rural areas to set up new local enterprises. The aim of this sub-scheme is to promote startups in rural areas. The scheme will address the three key problems concerning rural startups: a) A missing knowledge ecosystem, b) A missing financial ecosystem, c) A missing incubation ecosystem. SVEP aims at the generation of sustainable self-employment opportunities for rural poor youth, helping them to engage well with the market and help generate wealth locally.
6. Deendayal Upadhyaya Grameen Kaushalya Yojana (DDUGKY) - DDUGKY aims at providing long term skill training to rural youth and to get them placed in higher wage employment sectors. To simplify the process of registration for training, DAY-NRLM has also launched KAUSHAL PANJEE App. CIPET and Indo German Tool Rooms are included as the implementing agency for this project. The Ministry of Rural Development is rolling out DDU-GKY 2.0 training batches across states and union territories from October 2026, with around 70,000 rural youth expected to join 2,015 batches. So far 18.49 lakh youth have been trained under DDU-GKY and 12.44 lakh have been placed.
7. National Rural Livelihoods Project (NRLP) - The NRLP is designed to create proof of concept and build capacities at the central and state levels, to have a helping environment for all states and UTs to move to the NRLM
8. Interest Subsidy / Subvention - DAY-NRLM will provide interest subvention to women SHGs who have taken bank loans worth Rs. 3 lakhs. Interest subsidy reduces the effective cost of borrowing to 7% p.a. Govt. will also provide Interest subsidy of additional 3% for timely repayment of loans which reduces it to 4%.
9. Community Livelihood Professionals - NRLM Mission has given training to community members to provide support to themes like bookkeeping, training and capacity building, financial services etc. This mission also includes Community Livelihoods Resource Persons (CLRPs) like Krishi Sakhi and Pashu Sakhi to provide 24 X 7 doorstep services to small and marginal farmers.
10. Rural Self Employment Training Institutes (RSETI) - DAY-NRLM supports setting up of Rural Self Employment Institutes (RSETIs) to skill rural youth to provide self-employment. Moreover this mission will launch Standard Operating Procedures to make sure clarity, efficiency and Quality assurance in implementation of skill training in RSETIs.
11. Rural Haats - For marketing of SHG products and agricultural produce, this mission will set-up haats at village and block levels along with MGNREGS and district / state level resources. Members from women SHGs, Panchayati Raj Institutions (PRIs) and local government officials will manage these haats.
12. Promotion of Farm Livelihood - DAY-NRLM is going to include 5 lakh women farmers under its farm livelihoods interventions. These interventions are sustainable agriculture, livestock and NTFP based activities and to support SHG member families through farm-based value chain initiatives. This mission will also promote organic cultivation in village clusters and to develop Community Resource Persons through intensive training.
13. Financial Inclusion - DAY-NRLM works with Department of Financial Services (DFS), RBI and the Indian Bank Associations (IBA) in order to provide bank credit to SHGs.

Implementation of DAY NRLM Scheme

National Rural Livelihood Mission is a highly process oriented programme and requires intensive application of resources, both financial and human, in order to mobilize the poor into functionally effective institutions, promote their financial inclusion and diversify and strengthen their livelihoods. It is, therefore, not feasible to roll out the programme in full scale across the country in one go, and therefore, it has been decided to phase the implementation of the programme over a period of 10 years.

The blocks and districts in which all components of N.R.L.M are implemented are treated as 'intensive' blocks and districts, whereas the remaining as 'non-intensive' blocks and districts.

Implementation of National Rural Livelihood Mission at Block Level

Implementation in the blocks is being done in four ways -

a) Resource Blocks* with the support from National Resource Organization(s) (NRO) [5-6% blocks in a state];

b) Intensive Blocks** implemented with SRLM staff and internal community resource persons and the CRPs generated in resource blocks;

c) Partnership Blocks*** with the support from local community federations and NGO partners; and

d) Non-intensive Blocks** are the remaining blocks in the state which are not taken up for implementation in the initial phase.

This mission will enable poor candidates living in rural areas to have access to formal sources of finance. Moreover, SHGs will now have access to bank credit and other financial services. DAY-NRLM focuses on expansion of banking services to under-served regions. For more details, visit the official DAY-NRLM dashboard on the Ministry of Rural Development website.

DAY-NRLM Highlights

Lakhpati Didi Program under DAY-NRLM

Lakhpati Didi is a key part of DAY-NRLM. It helps rural women earn a steady annual income of more than ₹1 lakh. The program was brought into the Mission on 15 August 2023. As per the government, there are now 41.1 million Lakhpati Didis in India. The target is to create six crore Lakhpati Didis. For more details, see the Lakhpati Didi Yojana reports and dashboard.

National Campaign on Entrepreneurship-II

The Ministry of Rural Development launched the second phase of the National Campaign on Entrepreneurship under DAY-NRLM on 21 August 2026. The three-month campaign runs from 21 August to 21 November 2026. It focuses on helping rural women set up and grow farm and non-farm enterprises. The campaign aims to train five lakh SHG women, provide formalisation support to 50,000 enterprises and onboard 25,000 SHG members onto e-commerce platforms.

On 14 September 2026, the Department of Rural Development signed an MoU with PFRDA to set up Pension Sakhis under DAY-NRLM. These women community workers will spread pension awareness and help with enrolment among SHG members, rural women and Lakhpati Didis. The first National SARAS Aajeevika Mela outside Delhi-NCR was held at Punnami Ghat in Vijayawada, and President Droupadi Murmu inaugurated it on 15 October 2026. More than 1,500 women entrepreneurs from over 30 states and union territories took part, and the mela concluded on 2 November 2026 with cumulative sales of ₹12.84 crore from 5.73 lakh products. The SARAS Aajeevika Mela 2026 is also being held at Leisure Valley Park in Gurugram from 22 October to 6 November 2026, and the 18th Saras Aajeevika Mela 2026 is being held at the City Convention Centre in Imphal from 27 October to 6 November 2026 with more than 100 stalls.

FAQ's

Is DAY-NRLM still running in 2026?

Yes, DAY-NRLM is still running. It is implemented in all states and union territories except Delhi and Chandigarh. The budget for the program was increased by 20% in Union Budget 2026-27.

What is the official website of DAY-NRLM?

The official website of DAY-NRLM is aajeevika.gov.in. The Ministry of Rural Development also runs a DAY-NRLM dashboard at dashboard.dord.gov.in where you can check the physical and financial progress of the scheme.

How many women are covered under DAY-NRLM?

As of June 2025, 10.05 crore rural women have been mobilized into 90.90 lakh Self Help Groups under DAY-NRLM.

What is the Lakhpati Didi program?

Lakhpati Didi is a program under DAY-NRLM that helps rural women earn a steady income of more than ₹1 lakh a year. The government aims to create six crore Lakhpati Didis.