Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group is a government scheme designed to help urban poor women by supporting the formation of self-help groups, helping with bank loans, and providing financial subsidies to boost self-employment and sustainable livelihoods.
Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission: Self-Help Group - Introduction
This scheme focuses on helping urban poor women throughout Uttarakhand by encouraging the creation of self-help groups. It acts as a bridge to better livelihoods by offering financial incentives, access to bank loans, and very important government subsidies for income-generating activities.
As a very important component of Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM), this initiative is managed by the Nagar Nigam Dehradun under the Department of Urban Development, Government of Uttarakhand. by focusing on your self-employment goals, this scheme helps you turn your entrepreneurial ideas into reality with collective support.
Key Information
| Scheme Name | Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group |
| Level | State |
| Scheme for | Individual |
| Beneficiary States | Uttarakhand |
| Category | Business & Entrepreneurship, Women and Child |
| Benefit Type | Composite |
| DBT Scheme | No |
| Nodal Department | Urban Development |
| Implementing Agency | Nagar Nigam Dehradun |
Benefits
This scheme brings several advantages to urban women who wish to achieve financial independence:
Each registered group receives a one-time incentive of ₹10,000 from the Government of India to start their venture. Groups can also access bank loans to finance various livelihood activities, and you will receive subsidies from both the Government of India and the State Government to encourage sustainable self-employment.
Eligibility
To benefit from this scheme, you must meet the following criteria:
- You should be a woman residing in Uttarakhand.
- You must belong to an urban local body area.
- Your total family annual income should be less than ₹3.00 lakh.
- You should possess an Aadhaar card and a passport-size photograph.
Application Process
Getting started is simple. Municipal employees frequently visit urban wards to host meetings. You should attend these sessions to learn about forming a group with other local women. Once you and your group members align, the municipal office will assist you in formalizing your self-help group.
After registration, the group should open a savings account in any nationalized bank to deposit monthly member savings. You can then apply for financial assistance through the Cash Credit Limit (CCL) facility at your local urban body office.
Documents
Ensure you have these documents ready for the application process:
- Aadhaar card
- One passport-size photograph
- Valid proof showing annual family income
- Any additional supporting documents as requested by local officials
References
DAY-NULM Guidelines and Downloads
FAQ's
Who is eligible to form a self-help group?
Women residing in urban local body areas with a total family annual income below ₹3.00 lakh are eligible. You will need your Aadhaar card and a passport-sized photo to register.
What benefits do self-help groups receive under the scheme?
Every group is entitled to a one-time seed incentive of ₹10,000 from the Government of India.
How do these groups improve the livelihood of women?
By working together, you and your group can access bank loans and government subsidies to launch income-generating businesses.
Are there subsidies available for self-employment activities?
Yes, both the Central and State Governments provide subsidies to help you start your business activities successfully.
How are self-help groups formed?
Municipal field workers visit local wards regularly to conduct awareness meetings. They encourage interested women to come together and organize these groups formally.
How do women contribute to the self-help group?
As a member, you contribute by depositing monthly savings into the group's dedicated bank account and actively participating in the collective's self-employment ventures.