1. What is NRLM/NULM?

2. How it is different from SwarnaJyantiSwarozgarYojana

(SGSY)/SwarnaJyantiSahariRozgarYojana??
3. What are the target sectors of NRLM/NULM?
4. Activities under NRLM/NULM?
5. Fund allocation and flow in NRLM/NULM.

NATIONAL RURAL LIVELIHOODS MISSION-AAJEEVIKA

National Rural Livelihoods Mission (NRLM) -Aajeevikawas launched by the

Ministry of Rural Development (MoRD), GOI in June 2011 as a restructured
version of SwarnaJayanti Gram SwarozgarYojna (SGSY). NRLM has the
mandate of reaching out to 100 million rural poor in 6 lakh villages across the
country by 2024-25.

Objective of the Mission: Reduce poverty among rural BPL through self-
employment and wage employment opportunities which would lead to an
appreciable increase in income on sustainable basis.

How is it different from SwarnaJyantiSwarozgarYojana (SGSY)?

NRLM has adopted demand driven strategy, in place of SGSYs allocation
based strategy. This implies that NRLM encourages states to prepare State
Perspective for Implementation Plans (SPIP) for seven years and Annual
Action Plans (AAPs). The allocation for the state is released against the
approved AAP. NRLM has adopted a Participatory Identification of Poor (PIP)
instead of the BPL to identify its beneficiaries.

Key features of NRLM:

1. universal social mobilization-at least one member from each identified rural
poor household, preferably a woman, is brought under the Self Help Group
(SHG) network in a time bound manner.
2. Financial inclusion- access to repeat finance, at affordable price, for desired
amount and customized repayment
3. Livelihoods enhancement-stabilize and promote existing livelihoods
portfolio of the poor, in farm and in non-farm sectors
4. Convergence and Partnerships-NRLM will ensure that states Rural
Livelihoods Missions (SRLM) develop partnerships with major government
programs and build synergies to address different dimensions of poverty and
deprivation. Focus would be on:
 Entitlements PDS, MGNREGS,MahilaKissanShasaktikaranPariyojana,
social security, Right to Education.

Improving quality of life health and nutrition, clean drinking water, sanitation,
permanent housing, electricity etc.

Enhancing capabilities elementary, vocational &technical education, skills

enhancement etc.

Creating livelihoods opportunities institutional finance, agriculture, animal

husbandry, watersheds, MSME development, food processing etc.

Physical infrastructure schemes roads, electricity, telecommunications etc.

5. Aajeevika Skills- It is the skill and placement initiative to diversify incomes of the
rural poor and to cater to the occupational aspirations of their youth.
 Implementation:

NRLM has put in place a dedicated, sensitive support structure to facilitate the
creation and functioning of Institutions of Poor(IoP). The SRLMs are given the
responsibility of implementing the programme in the states based on their States
Perspective Implementation Plans (SPIPs) and Annual Action Plans (AAPs).
District Mission Management Units (DMMU) and Block Mission Management
Units (BMMU) are established to implement the programme. At the national level,
the National Rural Livelihoods Promotion Society (NRLPS) has been set up to
serve as the technical support agency to NRLM. NRLPS supports the SRLMs in
strategizing, planning and implementing NRLM.

Who are eligible for benefits under NRLM?

It begins with targeting women and they are considered as representatives of their
households. In case of extremely vulnerable persons like Persons with Disabilities
(PwDs), elders etc are targeted. NRLM mobilizes both men and women.
The NRLM Target Households (NTH) are identified through the Participatory
Identification of Poor (PIP) instead of the BPL. The PIP is a community-driven process
where the Community Based Organizations (CBOs) themselves identify the poor in the
village using participatory tools. The list of poor identified by the CBO is examined by
the Gram Sabha.

Fund flow in NRLM: Financial assistance in the form of Revolving Fund, Vulnerability
Reduction Fund, andCommunity Investment Fund is provided to the CBOs. NRLM does
not provide direct financial support to individual members.
A.Revolving Fund (RF): SHGs in existence for a minimum period of 3/6 months and
follow the Panchasutra regular meetings, regular savings, regular internal lending,
regular recoveries and maintenance of proper books of accounts & Only such SHGs
that have not received any RF earlier will be provided with RF, as corpus, with a
minimum of Rs. 10,000 and up to a maximum of Rs. 15,000 per SHG.
B. Vulnerability Reduction Fund (VRF): VRF, to the tune of Rs.1500 per member, is
provided to the SHG Federations at the village level in the intensive blocks for
addressing the vulnerabilities of the members like food security, health security etc

C.Community Investment support Fund (CIF): CIF, to the tune of Rs.3000 per SHG
member, is provided to the Cluster Level Federations (CLFs) in the intensive blocks.
The CIF is used, by the Federations, to advance loans to the SHGs and/or to undertake
the common/collective socio-economic activities.

D. Interest subvention:a provision for interest subvention, to cover the difference

between the Lending Rate of the banks and 7%, on all credit from the banks/ financial
institutions availed by women SHGs, for a maximum of Rs 3, 00,000 per SHG.

Coverage Area: All the states and UTs except Delhi and Chandigarh are uniformly
covered.

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NATIONAL URBAN LIVELIHOODS MISSION (NULM)

Launched in sep,2013by Ministry of Housing and Urban Poverty Alleviationby

replacing SwarnaJayantiShahriRozgarYojana.

Objective of the Mission:To reduce poverty and vulnerability of the urban poor
households by enabling them to access gainful self-employment and skilled wage
employment opportunities.

Key features of the mission:

1. Social Mobilisation and Institution Development (SM&ID) with sub-
components:
i. Building Community Institutions - SHGs and their Federations;
ii. Universal Financial Inclusion Bank Mitras,RSBY
iii. Revolving Fund Support to SHGs and their Federations.

2. Capacity Building and Training (CB&T) with sub-components:

i. Technical Support at National, State, District and City Levels(marketing,
research and training, social audit, MIS etc)
ii. Service Centres/AadharKendras at City Level (AadharKendras, which will
act as one-stop shop for those seeking services such as domestic help,
security, gardening, construction, plumbing, carpentry, electrical work, health
care-related work, etcfrom the informal sector as well as for the urban poor
promoting their services and products or seeking information relating to
employment and training)
iii. Training and Other Capacity Building Support(used for training and
capacity building not only for beneficiaries, but also for other stakeholders
such as programme officers, community professionals, NGO/CBO partners,
Community Organisers, Urban Local Body functionaries, etc.)

3. Employment through Skills Training and Placement (EST&P):

through Public-Private-Partnership (PPP) modeinvolving
i. Skills Training for Self-Employment; institutes like IITs, Polytechnics, NITs, industry
ii. SkillsTraining & Placement for Wage Employment; associations, engineering colleges, management
institutes, skill training centresand other reputed entities
iii. Innovative & Special Projects. in government, private and civil society sectors.

4. Self-employment Programme (SEP):

(its here NULM is different from SJSRY-)
i. Individual Enterprises (SEP-I);
ii. Group Enterprises (SEP-G); and
iii. Technology, Marketing and Other Support (for self-employed people in
manufacturing units)

5. Support to Urban Street Vendors (SUSV):

i.Pro-vending urban planning(survey,registering& maintaining data base of
street vendors)
ii.Skill Development and Micro-enterprise Development support for Street
Vendors
iii.Credit-enablement of Street Vendors (banking facilities & credit card for
working capital etc)
iv.Development of Vendors Markets
v.Socia-legal Security Convergence (RSBY, street vendors act-2014)

6. Scheme of Shelter For Urban Homeless (SUH):

Funding pattern:

Sl.No States/UTs Central State

share share
1 North Eastern and Special Category States 90 10
(Arunachal Pradesh, Assam, Manipur, Meghalaya,
Mizoram, Nagaland, Tripura and Sikkim;
Uttarakhand, Himachal Pradesh, Jammu and
Kashmir)
2 All other States and Union Territories 75 25

How different it is from SJSRY?

The existing provision of capital subsidy for USEP (Urban Self Employment
Programme) and UWSP (Urban Women Self-Help Programme) components of
SJSRY has been replaced by interest subsidy for loans to Individual
enterprise (SEP- I), Group enterprise (SEP- G) and Self Help Groups (SHGs).