{"id":4136,"date":"2025-01-09T15:15:54","date_gmt":"2025-01-09T09:45:54","guid":{"rendered":"https:\/\/indianlawsociety.com\/?p=4136"},"modified":"2025-01-13T18:48:56","modified_gmt":"2025-01-13T13:18:56","slug":"deendayal-antyodaya-yojana-national-urban-livelihoods-mission-day-nulm-a-comprehensive-overview","status":"publish","type":"post","link":"https:\/\/karma.law\/insights\/law-library\/deendayal-antyodaya-yojana-national-urban-livelihoods-mission-day-nulm-a-comprehensive-overview\/","title":{"rendered":"Deendayal Antyodaya Yojana-National Urban Livelihoods Mission (DAY-NULM): A Comprehensive Overview"},"content":{"rendered":"<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The Deendayal Antyodaya Yojana-National Urban Livelihoods Mission (DAY-NULM) is a flagship program by the Ministry of Housing and Urban Affairs (MoHUA), Government of India, aimed at reducing poverty and vulnerability of urban poor households. This piece provides an overview of the mission, its guiding principles, and key strategies for empowering urban communities.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Mission and Core Beliefs<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The core mission of DAY-NULM is to reduce poverty and vulnerability of urban poor households by enabling them to access self-employment and skilled wage employment opportunities. The mission is based on the core belief that the urban poor are entrepreneurial and have innate capabilities to overcome poverty. It emphasizes empowering the poor through strong grassroots institutions and providing access to essential services.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Guiding Principles of DAY-NULM<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The DAY-NULM is guided by the following principles:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Innate Capabilities:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0The poor have an inherent desire to come out of poverty.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Institutional Support:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Strong institutions of the poor are essential for their empowerment.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Holistic Approach:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0The scheme aims to address various aspects of urban poverty, including social, economic, and occupational vulnerabilities.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Convergence:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Emphasis on convergence with other government programs.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Partnerships:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Collaboration with private sector and other stakeholders.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Transparency and Accountability:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Ensuring transparency and accountability in all processes.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Key Strategies of DAY-NULM<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The DAY-NULM adopts the following key strategies:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Capacity Building:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Building the capacity of the urban poor and their institutions.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Livelihood Enhancement:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Enhancing and expanding existing livelihood options.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Skill Development:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Providing training to enable access to market-based job opportunities.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Micro-Enterprise Support:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Training and support for the establishment of micro-enterprises.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Addressing Homelessness:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Providing shelter and essential services to the urban homeless.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Support to Street Vendors:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0Facilitating access to suitable spaces, credit, and social security for street vendors.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Key Components of DAY-NULM<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The DAY-NULM has several key components:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Social Mobilisation and Institution Development (SM&amp;ID):<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Formation of Self-Help Groups (SHGs) and their federations.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Focus on vulnerable sections of the urban population.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Provision of financial assistance for SHG formation and capacity building.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Universal Financial Inclusion:<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Providing access to financial literacy, credit, insurance, and remittance facilities.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Coordination with financial institutions to encourage the use of technology.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Employment through Skills Training and Placement (EST&amp;P):<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Providing assistance for skill development and upgrading.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Focusing on self-employment and salaried employment.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Prioritizing women, SCs, STs, and minorities.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Self-Employment Programme (SEP):<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Providing financial assistance to individuals and groups for setting up micro-enterprises.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Focus on marketability and credit linkages.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Support to Urban Street Vendors (SUSV):<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Providing support for micro-enterprise development of street vendors.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Facilitating access to credit and social security.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Promoting digital payments.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Scheme of Shelter for Urban Homeless (SUH):<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Providing shelters and essential services to the urban homeless.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Ensuring access to food, healthcare, and education.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Funding Pattern and Financial Process<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The funding of the Mission is shared between the Centre and States\/UTs. The sharing pattern is as follows:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">North Eastern States and Himalayan States:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a090:10 (Centre:State).<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Other States:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a060:40 (Centre:State).<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">UTs without Legislature:<\/span><\/strong><span class=\"ng-star-inserted\">\u00a0100% Central funding.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The central share is released to States\/UTs in installments, linked to physical and financial progress.<\/span><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Amendments to Operational Guidelines<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">Several amendments have been made to the operational guidelines of DAY-NULM over time. Some of the key amendments include:<\/span><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Changes to the membership criteria for SHGs, allowing for smaller groups in specific areas.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Inclusion of Small Finance Banks in the credit linkage program.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Changes to the eligibility criteria for group enterprises.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Introduction of a collateral guarantee for bank loans.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Inclusion of direct benefit transfer for interest subsidy.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Implementation and Monitoring<\/span><\/strong><\/p>\n<ul class=\"ng-star-inserted\" style=\"text-align: justify;\">\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">The mission is implemented through a three-tier structure: National, State, and City levels.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">The National Mission Management Unit (NMMU) at the central level provides overall guidance.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">State Mission Management Units (SMMUs) oversee implementation at the state level.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">City Mission Management Units (CMMUs) manage the program at the city level.<\/span><\/p>\n<\/li>\n<li class=\"ng-star-inserted\">\n<p class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">The scheme is monitored through regular reporting and evaluation.<\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><strong class=\"ng-star-inserted\"><span class=\"ng-star-inserted\">Conclusion<\/span><\/strong><\/p>\n<p class=\"ng-star-inserted\" style=\"text-align: justify;\"><span class=\"ng-star-inserted\">The Deendayal Antyodaya Yojana-National Urban Livelihoods Mission (DAY-NULM) is a comprehensive program that addresses the multifaceted challenges of urban poverty. By focusing on social mobilization, skill development, and access to financial resources, the scheme aims to empower the urban poor and enable them to lead dignified and sustainable lives. The mission\u2019s emphasis on inclusivity and convergence makes it a crucial tool for urban development in India.<\/span><\/p>\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Deendayal-Antyodaya-Yojana-National-Urban-Livelihoods-Mission-DAY-NULM-Amendment-1.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM) Amendment.\"><\/object><a id=\"wp-block-file--media-e1e2a556-3654-4f89-98ec-ec676b4521fd\" href=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Deendayal-Antyodaya-Yojana-National-Urban-Livelihoods-Mission-DAY-NULM-Amendment-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Deendayal Antyodaya Yojana &#8211; National Urban Livelihoods Mission (DAY-NULM) Amendment<\/a><a href=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Deendayal-Antyodaya-Yojana-National-Urban-Livelihoods-Mission-DAY-NULM-Amendment-1.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-e1e2a556-3654-4f89-98ec-ec676b4521fd\">Download<\/a><\/div>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Deendayal-Antyodaya-Yojana-National-Urban-Livelihoods-Mission-DAY-NULM-1.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM).\"><\/object><a id=\"wp-block-file--media-b72736c8-12f4-413e-8f3c-da459e42f8d8\" href=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Deendayal-Antyodaya-Yojana-National-Urban-Livelihoods-Mission-DAY-NULM-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Deendayal Antyodaya Yojana &#8211; National Urban Livelihoods Mission (DAY-NULM)<\/a><a href=\"https:\/\/karma.law\/insights\/wp-content\/uploads\/2025\/01\/Deendayal-Antyodaya-Yojana-National-Urban-Livelihoods-Mission-DAY-NULM-1.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-b72736c8-12f4-413e-8f3c-da459e42f8d8\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"The core mission of DAY-NULM is to reduce poverty and vulnerability of urban poor households by enabling them to access self-employment and skilled wage employment opportunities. The mission is based on the core belief that the urban poor are entrepreneurial and have innate capabilities to overcome poverty.","protected":false},"author":1,"featured_media":6065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[364,25,49],"tags":[1070,1071,391,1067,1044,1042,410,1073,1072],"class_list":{"0":"post-4136","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-employment-and-labour","8":"category-law-library","9":"category-schemes-and-yojanas","10":"tag-day-nulm","11":"tag-deendayal-antyodaya-yojana","12":"tag-government-schemes","13":"tag-ministry-of-housing-and-urban-affairs","14":"tag-self-employment","15":"tag-shgs","16":"tag-skill-development","17":"tag-urban-livelihoods","18":"tag-urban-poverty","19":"cs-entry","20":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Deendayal Antyodaya Yojana-National Urban Livelihoods Mission (DAY-NULM): A Comprehensive Overview<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/karma.law\/insights\/law-library\/deendayal-antyodaya-yojana-national-urban-livelihoods-mission-day-nulm-a-comprehensive-overview\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Deendayal Antyodaya Yojana-National Urban Livelihoods Mission (DAY-NULM): A Comprehensive Overview\" \/>\n<meta property=\"og:description\" content=\"The core mission of DAY-NULM is to reduce poverty and vulnerability of urban poor households by enabling them to access self-employment and skilled wage employment opportunities. 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