livelihood skills

Deendayal Antyodaya Yojana—National Rural Livelihoods Mission

Ministry of Rural Development, Government of India / Gujarat Livelihood Promotion Company (GLPC)

Deendayal Antyodaya Yojana—National Rural Livelihoods Mission (DAY-NRLM / Mission Mangalam in Gujarat) mobilises rural women from poor households into self-managed Self-Help Groups (SHGs). Provides Revolving Funds, Community Investment Funds, livelihood training, and low-interest bank linkage down to 7% to establish sustainable micro-enterprises and overcome poverty.

Last verified: 2026-10-22

Chandan Charitable Trust is not a government agency. It does not sanction benefits or process applications. Final eligibility, verification and sanction rest solely with the competent government authority.

How the process works

Step 1: Check eligibility
Rural poor women forming Self-Help Groups practicing regular savings, internal lending, and Panchasutra principles. Must be a member of a registered women Self-Help Group (10 to 20 members). SHG must practice regular weekly meetings, regular savings, internal lending, timely repayment, and accurate bookkeeping (Panchasutra). Must have an active savings bank account in a commercial or cooperative bank. Revolving Fund (RF) eligible after 3 months of active functioning. Community Investment Fund (CIF) and bank credit linkage eligible upon grading.
2
Step 2: Prepare documents
The official source lists the following documents.
Documents needed for this step
- Member Aadhaar cards and photographs.
- SHG formation resolution and by-laws.
- Member list and initial savings register.
- SHG bank savings account passbook.
- Panchasutra compliance and audit records.
- Micro Credit Plan (MCP) for bank credit linkage.
Step 3: Apply
Through Village Organization (VO), Community Resource Person (CRP), or Taluka Mission Management Unit (GLPC). Step 1: Form an SHG of 10 to 20 rural women with the help of a local Community Resource Person (CRP). Step 2: Hold regular weekly meetings, initiate savings, and open an SHG bank account. Step 3: Practice Panchasutra for 3 months and undergo basic grading by GLPC staff. Step 4: Receive Revolving Fund (RF) grant directly into SHG bank account. Step 5: Prepare Micro Credit Plan (MCP) and access Community Investment Fund and bank loan linkage.
Step 4: Verification
Panchasutra verification, SHG grading, and loan appraisal by GLPC and financing bank.
Step 5: Sanction / decision
Decision authority, as stated by the official source: Gujarat Livelihood Promotion Company (GLPC) and financing bank.
Step 6: Benefit
Revolving Fund (RF) grant of ₹15,000 to ₹20,000 per eligible SHG to build internal lending capital. Community Investment Fund (CIF) providing catalytic low-interest loans for member micro-livelihoods. Graduated bank credit linkage up to ₹10 Lakh to ₹20 Lakh with interest subvention down to 7%. Free entrepreneurship, bookkeeping, and agricultural/livestock skill training. Direct institutional credit into the SHG's joint bank account.
Step 7: If delayed or rejected
This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.
Step 8: Grievance / appeal
Taluka Development Officer, GLPC District Coordinator, and Central PG Portal https://pgportal.gov.in/

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Deendayal Antyodaya Yojana—National Rural Livelihoods Mission

Ministry of Rural Development, Government of India / Gujarat Livelihood Promotion Company (GLPC)

Last verified: 2026-10-22

How the process works

Step 1: Check eligibility

Rural poor women forming Self-Help Groups practicing regular savings, internal lending, and Panchasutra principles. Must be a member of a registered women Self-Help Group (10 to 20 members). SHG must practice regular weekly meetings, regular savings, internal lending, timely repayment, and accurate bookkeeping (Panchasutra). Must have an active savings bank account in a commercial or cooperative bank. Revolving Fund (RF) eligible after 3 months of active functioning. Community Investment Fund (CIF) and bank credit linkage eligible upon grading.

Step 2: Prepare documents

The official source lists the following documents.

Documents needed for this step

Member Aadhaar cards and photographs.
SHG formation resolution and by-laws.
Member list and initial savings register.
SHG bank savings account passbook.
Panchasutra compliance and audit records.
Micro Credit Plan (MCP) for bank credit linkage.

Step 3: Apply

Through Village Organization (VO), Community Resource Person (CRP), or Taluka Mission Management Unit (GLPC). Step 1: Form an SHG of 10 to 20 rural women with the help of a local Community Resource Person (CRP). Step 2: Hold regular weekly meetings, initiate savings, and open an SHG bank account. Step 3: Practice Panchasutra for 3 months and undergo basic grading by GLPC staff. Step 4: Receive Revolving Fund (RF) grant directly into SHG bank account. Step 5: Prepare Micro Credit Plan (MCP) and access Community Investment Fund and bank loan linkage.

Step 4: Verification

Panchasutra verification, SHG grading, and loan appraisal by GLPC and financing bank.

Step 5: Sanction / decision

Decision authority, as stated by the official source: Gujarat Livelihood Promotion Company (GLPC) and financing bank.

Step 6: Benefit

Revolving Fund (RF) grant of ₹15,000 to ₹20,000 per eligible SHG to build internal lending capital. Community Investment Fund (CIF) providing catalytic low-interest loans for member micro-livelihoods. Graduated bank credit linkage up to ₹10 Lakh to ₹20 Lakh with interest subvention down to 7%. Free entrepreneurship, bookkeeping, and agricultural/livestock skill training. Direct institutional credit into the SHG's joint bank account.

Step 7: If delayed or rejected

This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.

Step 8: Grievance / appeal

Taluka Development Officer, GLPC District Coordinator, and Central PG Portal https://pgportal.gov.in/