DEENDAYAL ANTYODAYA YOJANA- NATIONAL URBAN LIVELIHOOD MISSION
To reduce poverty and vulnerability of the urban poor households by enabling them to access gainful self-employment and skilled wage employment opportunities, resulting in an appreciable improvement of their livelihoods on a sustainable basis, through building strong grassroots level institutions of the poor. It aims at providing shelter equipped with essential services to the urban homeless in a phased manner. In addition, address livelihood concerns of the urban street vendors by facilitating access to suitable spaces, institutional credit, social security and skills to the urban street vendors for accessing emerging market opportunities.
Components Of NULM
Deendayal Antyodaya Yojana-National Urban Livelihoods Mission (DAY-NULM) shall rest on the foundation that the mobilisation of urban poor households to form their own institutions is an important investment for an eﬀective and sustainable poverty reduction programme. These institutions of the poor would partner with local self-governments, public service providers, banks, private sector and other mainstream institutions to facilitate delivery of social and economic services to the poor.
DAY-NULM envisages mobilisation of urban poor households into a three tiered structure with Self-Help Groups (SHGs) at the grass-root level, Area Level Federations (ALFs) at the slum / ward level and City-level Federations (CLFs) at the city-level
- Under DAY-NULM, Self Help Groups of 10-20 urban poor women will be formed.
- 70% of the SHG members should be urban poor to qualify for funding support under DAY-NULM.
- SHGs of less than 10 members with minimum of 5 members may be formed for differently-abled persons.
- These groups need not be registered.
- In case of the persons involved in vulnerable occupations like rag pickers, rickshaw pullers, sanitation workers etc., activity based SHGs of male members may also be formed.
Panch-sutra for a good SHG
- Regular meetings
- Regular savings
- Regular internal lending
- Regular loan repayments
- Regular book keeping
All SHGs formed must have a bank account - Bank Account formRevolving Fund Support to Self-Help Groups (SHGs)
A one-time Revolving Fund support of Rs.10,000 will be provided to urban poor SHGs to inculcate the habit of thrift and credit to those SHGs which have not availed such support earlier. A SHG should be functional for a period of 3 months with at least 70% of SHG members should be urban poor to become eligible for Revolving Fund support under DAY-NULM.Revolving Fund Norms
Area Level Federations (ALFs)
- An Area Level Federation (ALF) may be formed with 10 to 20 SHGs covering an area of a ward or slum or such other geographical unit with a minimum of 2 members (nominated representatives) per SHG.
- An ALF should be registered as a society/an association under the relevant law of the State.
For of supporting member-SHGs, (guiding and monitor the functioning of SHGs and forming and training new SHGs), bank-linkage, inter-group lending, and negotiations with higher level structures and to gain greater bargaining power over the rights and privileges of SHGs.
City Level Federation (CLF )
- Each city will have at least one CLF. Bigger Cities may have more than 1 CLF based on the size and population.
- The CLFs should be registered as societies/association under the relevant law of the State.
- All ALFs in a city should be represented at the CLF
- The CLF is expected to work with ALFs, member SHGs, city administration and financial institutions to ensure social and economic empowerment of the urban poor.
To represent the needs of the urban poor at various levels; Advocacy with the ULB and State Government for pro-poor planning, master plans, vendor planning, etc.; To facilitate access of member ALFs’ and member SHGs’ to banking services; New group formation and support; To identify specific training and capacity building needs of its member ALFs; Work closely with the respective ULB to facilitate identification of beneficiaries for various government programmes; Facilitate marketing of SHG produce/products.
Guide for deployment of CRP for group formation and carrying out their associated work
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- The Component focus on financial assistance to individuals/groups of urban poor for setting up gainful self-employment ventures/ micro-enterprises, suited to their skills, training, aptitude and local conditions.
- Support Self Help Groups (SHGs) of urban poor to access easy credit from bank and avail interest subsidy on SHG loans.
- Focus on technology, marketing and other support services to the individuals, group entrepreneurs, SHG members and Urban street vendors/ hawkers engaged in micro enterprises for their livelihoods.
- Facilitate credit cards for working capital requirement of the entrepreneurs.
|2||SCs and STs||atleast to the extent of the proportion of their strength in the city/town population of poor.|
(SEP-I) Individual Enterprises-Loan
- An urban poor individual beneficiary desirous of setting up an individual micro-enterprise for self-employment can avail benefit of subsidized loan under this component from any bank.
- Beneficiaries under Mudra Yojana to be taken as SEP I beneficiaries and providing interest subsidy
Beneficiary should have attained the age of 18 Years at the time of applying for loanProject Cost
Maximum unit Project Cost for individual micro-enterprises cases is Rs.2,00,000 (Rs Two Lakhs)(SEP-G) Group Enterprise -Loan
A group of urban poor desirous of setting up a group enterprise for self-employment can avail benefit of subsidized loans under this component from any bank.Eligibility
- All members of the group enterprise should have attained an age of 18 years at the time of applying for bank loan.
- Group enterprise should have minimum 3 members with a minimum of 70% members from urban poor families. The application/ intent to set up a group enterprise by beneficiaries / group member should preferably be referred by the community structure of ULB viz: SHG/ ALF formed under NULM
Maximum unit Project Cost for a group enterprise is Rs 10, 00,000 (Rs Ten Lakhs).SHGs credit linkage –Loan
SHG bank linkage includes opening of saving account of self-help Groups which are engaged in promoting habit of savings among their members as a starting point. The SHGs may be sanctioned saving Linked loans (varying from a saving to a loan ratio of 1:1 to 1:4) after due assessment or grading by banks. In case of matured SHGs, loan may be given beyond the limit of 4 times the savings as the discretion of banks.
|General Information for Applicant|
|Criterion||Individual Enterprise||Group Enterprise||SHGs bank Linkage|
|Beneficiary||Individual urban poor beneficiary||Group of urban poor (minimum 2 members of which minimum 70% members are of urban poor)||Functional SHGs following Panchsutra|
|Loan purpose||To set up a micro-enterprise||To set up a micro-enterprise||SHGs internal lending|
|Age||Above 18 years||All members must be of 18 years (mini.)|
|Educational Qualification||No minimum qualification required.||No minimum qualification required.||No minimum qualification required.|
|Training required||Skills trg. and Capacity Building of entrepreneurs through Entrepreneurship Development Program (EDP) of 3-7days through R-SETI /reputed institute (micro enterprise activity).|
|Follow up EDP trg. after getting loan. EDP Training to be organized through Rural Self Employment Training Institutes (RSETIs) & reputed institutes.|
|Project Cost (in Rs.)||Rs. 2 lakhs||Max. Rs. 2 lakhs per member or Rs. 10 lakhs whichever is lower.||Rs. 10 lakhs|
|Collateral Guarantee||No guarantee required, therefore only the assets created would be hypothecated/mortgaged/pledged to banks for advancing loans.|
|Banks approach CGTMSE for micro or small enterprise. (As per RBI Circular BC.No. 79 /dated May 6, 2010)|
|Repayment||5 to 7 Years after initial moratorium of 6-18 months.|
|Margin Money||No margin money for loan upto 50000/-. Margin of 5% to maximun 10% on Rs. 50001/- to 10 lakhs loan amount.|
|Subsidy||Interest subsidy over and above 7% per annum rate of Interest||Interest subsidy over and above 7% per annum rate of interest||*Interest subsidy over and above 7% per annum rate of interest *3% interest subvention available ONLY if: (a) all-women SHG, (b) all installments paid on time|
|Subsidy amount||Difference between prevailing bank rate and 7%||Difference between prevailing bank rate and 7%||*Difference between prevailing bank rate and 7% *Additional 3% will be reimbursed to all women SHGs who repay their entire bank loan on time|
|Mode of payment of subsidy claim||Through DBT mode (A web portalnamed “PAiSa portal’ has been developed and functional by Allahabad bank, Centrally)|
|Banks covered||All Scheduled Commercial Banks, Regional Rural Banks, Cooperative banks and small finance banks (ujjivan, utkarsh, etc.) which are on (core banking system) CBS platform will be eligible for getting interest subvention under the scheme.|
|Convergence||Urban poor beneficiaries under PRADHAN MANTRI MUDRA YOJANA (PMMY) to be taken as -Urban poor SC beneficiaries to be taken as beneficiaries and provide interest subsidy under JHARKHAND STATE SCHEDULED CASTES FINANCE AND DEVELOPMENT CORPORATION (JSSCDC)|
|Margin Money||No margin money for loans upto Rs. 50000/-. For loans ranging from Rs. 50000/- to 10 lakhs preferably 5% and in no case be more than 10% of the project cost.|
|Type of loan||Bank may extent finance to individuals/group for capital expenditure in the form of Term Loan (TL) and working Capital loans through Cash Credit (CCL). Banks may also extent Composite loans consisting of Capital Expenditure and working Capital components, depending upon individual’s/group’s requirement.|
Credit Card for enterprise development:
- Individual entrepreneurs are financial assist though subsidised loan for setting up of enterprises under NULM, However the individual entrepreneurs require further financial support in terms of working capital to make the enterprise economically sustainable.
- In order to support the micro-entrepreneurs to meet their working capital and miscellaneous credit needs, NULM will facilitate access to Credit Cards through banks.
- The General Credit Card Scheme (GCC), which is being implemented by all scheduled commercial banks or any other variant of credit cards for enterprise development of banks in urban areas, may be explored by SULM and SLBC for the same.
Technology, Marketing and Other Support:
- Micro entrepreneurs often need Support for establishment, technology, marketing, better understanding of what the market needs, demand of the products produced by them, prices, where to sell, etc.
- The City Livelihoods Centres (CLCs) will offer services to the micro-enterprises such as in establishment (licenses, certificates registration, legal services etc.), production, procurement, technology, processing, marketing, sales, packaging, accounting etc. for long term sustainability.
- CLC will also provide support in taking up feasibility/ assessment studies on market demand and market strategy for products and services of micro-enterprises.
PROCESS FOR BANK LOAN
- A task force committee may be constituted at the ULB level for recommending loan application cases.
- There could be more than 1 Task force at ULB level depending upon the size / population of the ULB.
|S.No.||TASK Force at ULB Level||ROLE|
|1||Chief Executive Officer (CEO) ULB/Municipal Commissioner of ULB/or any representative authorised by CEO ULB||Chairman|
|2||Lead District Manager (LDM)||Member|
|3||City Project Officer (CPO), ULB/ or any authorised representative of ULB||Member Convenor|
|4||Representative from District Industries Centre (DIC)||Member|
|5||Senior Branch Managers (Max-2) of banks||Member|
|6||Representative(2) of Area Level Federation/City Level Federation .||Member|
Process for SEP-I and SEP-G loan
- Beneficiaries identified by field functionaries/ RO’s/ Banks/ SHGs/ ALFs
- Beneficiary Applies in prescribed loan application form (SEP-I, SEP-G) to ULB and receives acknowledgement
- ULB generates a waiting list
- ULB arranges for filling up of application in order of waiting list
- ULB send the eligible case to Task Force for recommendation
- Task Force recommends the case (Interview beneficiary)
- Recommended case sent to Banks for processing (via ULB)-Beneficiary is intimated
- Banks send details of cases sanctioned and disbursed to ULB along with interest subsidy details-Beneficiary is intimated
- Previously, ULB releases subsidy to banks but from 1st April 2018 it is reimbursed through PAiSA web portal by Direct Benefit Transfer Mode
Process for SHGs loan
- The ULB through its field staff (community Organizer/CRPs) or Resource Organisation (ROs) will facilitate filling of loan applications for eligible SHGs in prescribed form.
- The ULB will forward the Loan application to the concerned banks with requisite documentation.
- The banks will send the details of disbursed loan cases to the ULB along with the details for claiming the interest subsidy amount.
- ULB releases the subsidy to banks but from 1st April 2020 it is reimbursed through PAiSA portal by Direct Benefit Transfer Mode.
Web portal on interest subvention Process Flow – Web Portal
|GUIDELINES FOR SEP|
|1||Guidelines on Self Employment Programme||View|
|2||SEP Amendment Guidelines 2018||View|
|3||SEP Amendment Guidelines 2020||View|
The Employment through Skills Training & Placement (EST&P) Component under NULM is designed to provide skills to the unskilled urban poor as well as to upgrade their existing skills. The program will provide for skill training of the urban poor to enable them setting up self-employment ventures and for salaried jobs in the private sector. The EST&P Program intends to fill the gap between the demand and availability of local skills by providing skill training programs as required by the market.Objectives:
The broader objective of the Employment through Skills Training & Placement (EST&P) Program is-
- To provide an asset to the urban poor in the form of skills for sustainable livelihood.
- To increase the income of urban poor through structured, market-oriented certified courses that can provide salaried employment and / or self-employment opportunities which will eventually lead to better living standards and alleviation of urban poverty on a sustainable basis.
- Ensure inclusive growth with increased contribution of skilled urban poor to the National Economy.
Eligibility of the beneficiary
- Beneficiary selected for training under EST&P component of NULM should be from the urban poor households only. The following conditions need to be adhered to in selection of the candidate:-
- She/he should not have undergone skill development training under the SJSRY / NULM in any other trade during the last 3 years. The candidate can however be provided advanced training on the skills acquired in any previous training.
- The candidate should meet the minimum qualification as per requirement of the Sectors/Job Role.
- The percentage of SC and ST candidates being trained should not be less than the percentage of SC and ST population in the town.
- Out of the total beneficiaries for the State/UT under EST&P; minimum 30% should be women, minimum 15% should belong to the Minority community and minimum 3% of the candidates should be differently-abled. However based on the trade and area of implementation, if the above requirement of minimum percentage cannot be fulfilled through common training programmes, specific training programmes targeting the above vulnerable communities maybe undertaken by the SULM.
Process for Applying Training
- Beneficiary can apply directly through below link
- Beneficiaries identified by field functionaries CO’s/ RO’s/ SHGs/ ALFs.
- Beneficiary applies in prescribed application form of ESTP to ULB and receives acknowledgement.
- ULB register the beneficiary as per the sector and course wise online in nulm.gov.in website.
- ULB forward the registered application to the training centre (for the course they are eligible).
- Training centre call the forwarded beneficiary for counselling and assign them in a batch.
- There is third party assessment after completion of training.
- Certification of beneficiary through SSC.
- Certified candidate are placed either in Self- employment or in wage employment as per their demand.
Outcomes of EST&P
The outcomes from Skill development Programmes will be as under:
- Employment (both wage employment and self-employment) on an annual basis of at least 70% of the successfully certified trainees within three months of completion of training, with at least 50% of the trainees passing out being placed in wage employment.
- In case of wage employment, candidates shall be placed in jobs that provide wages at least equal to minimum wages prescribed and such candidates should continue to be in jobs for a minimum period of three months, from the date of placement in the same or a higher level with the same or any other employer
- In case of self-employment, candidates should have been employed gainfully in livelihood enhancement occupations which are evidenced in terms of trade license or setting up of an enterprise or becoming a member of a producer group or proof of additional earnings (bank statement) or securing a relevant enterprise development loan or any other suitable and verifiable document as prescribed by the respective SULM.
- Formal recognition and certification of persons who have acquired skills, through informal, non-formal or experiential training in any vocational trade or craft (after imparting bridge courses if necessary) should provide an appropriate increase in wages in the skill category of the candidate for immediate and subsequent production cycle in case of wage employment or meet the conditions above in case of self-employment to be treated as the outcome of this effort.
MoU with Project Implementing Agency
- ULB wise Sector and training target under component EST&P
- MoU with Instrumentation Automation Surveillance & Communication Sector Skill Council (IASCSSC)
- MoU with Electronic Skill Council of India (ESSCI)
|1||Guidelines on Employment through skill training and placement||View|
|2||EST&P Amendment Guidelines||View|
|3||List of Sector Skill Council||View|
|4||List of Job roles||View|
Street vendors constitute an important segment at the bottom of the pyramid of the informal economy in cities. Street vending provides a source of self-employment, and acts as a measure of urban poverty alleviation. Street vending also has a prominent place in the urban supply chain, and provides inexpensive and convenient access to goods and services to all segments of the population including the poor. Street vending is therefore an integral part of the economic growth process in urban areas.
Low levels of education and skills, limited access to formal credit and micro enterprise support constrain street vendors’ ability to access emerging market opportunities. On account of being unorganised and self-employed, street vendors and their families often lack in any linkage to social security, welfare and assistance schemes and initiatives of the Government. This makes street vendors and their families vulnerable in difficult times, or when they may require assistance for unforeseen expenses.
In this context, the National Urban Livelihoods Mission (NULM) seeks to address the concerns of urban street vendors by facilitating access to suitable spaces for vending, institutional credit, improved skills and social security linkages. The Support to Urban Street Vendors Component of NULM sets out the strategy and operational guidelines with regard to this component.Objectives:
The objective of the component is to address the vulnerabilities of the urban street vendors through a multi-pronged approach. This includes:
- Survey of street vendors and issue of Identity Cards.
- Development of city street vending plans.
- Infrastructure development of vending zones in the city.
- Training and Skill Development.
- Financial Inclusion.
- Access to credit.
- Linkages to social security schemes.
Role of State Government, Local Authority and Planning Authority
The State Government shall have overall responsibility for:
- Providing overall direction.
- Establishing mechanisms for sanction of project proposals.
- Establishing mechanisms for monitoring and supervision of implementation.
- Establishing mechanisms for progress reporting.
The State Urban Livelihoods Mission (SULM) will be the nodal agency responsible for overall implementation of the component. At the city level, the responsibility for implementation will rest with the Urban Local Body (ULB).
The implementation would also require coordination between several authorities including Urban Local Bodies, Development Authorities and Town Planning Agencies, Land and Revenue Departments and District Collector offices. This coordination will be ensured by the State Government and the ULB.
The ULB will consult and coordinate with the planning authority, which could be an Urban Development Authority or any other authority in a city or town responsible for regulating land use in the city. The role of the town planning authority in the implementation of the scheme will include preparation and notification of pro-vending land use plans, and for providing land and development approval for vendor's markets.
Other agencies such as the Revenue Department, the Police Department and Public Health and Engineering Department (or Water Board) may be required to provide support and assistance to the local authority to facilitate the implementation of the component.
|1||Guidelines on Support to Urban Street Vendor||View|
|2||The Street Vendors(Proception of Livelihood and Regulation of Street Vending) Act – 2014||View|
|3||Jharkhand Street Vender (Live hood Protections and Regulation) Planning (Scheme) 2017||View|
|4||Jharkhand Street Vender (Live hood Protections and Regulation) Amended Rule - 2016||View|
|5||Jharkhand Street Vender (Live hood Protections and Regulation) Rule - 2015||View|
The National Urban Housing & Habitat Policy (NUHHP), 2007 aims at promoting sustainable development of habitat in the country with a view to ensuring equitable supply of land, shelter and services at affordable prices to all sections of the society. However, the most vulnerable of these are the urban homeless.
The Urban homeless persons contribute to the economy of the cities and thus the nation as cheap labour in the informal sector; yet they live with no shelter or social security protection. The urban homeless survive with many challenges like no access to elementary public services such as health, education, food, water and sanitation.
National Urban Livelihood Mission (NULM) aims at providing permanent shelter equipped with essential services to the urban homeless in a phased manner under the Scheme of Shelter for Urban Homeless (SUH).
Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM) aims at providing permanent shelter equipped with essential services to the urban homeless in a phased manner under the Scheme of Shelters for Urban Homeless (SUH). Homeless persons include persons who do not have a house, either self-owned or rented, but instead live and sleep on pavements, at parks, railway stations, bus stations and places of worship, outside shops and factories, at construction sites, under bridges, in hume pipes and other places under the open sky or places unfit for human habitation.
It is understood that many occupants of shelters are engaged in work during the nights (e.g. as head-loaders), and thus need shelters to sleep in, during the day. Casual workers also often do not get employment on a daily basis, and so they may need shelters during the day and not just at night. Therefore, DAY-NULM envisages providing shelters available to the homeless during the day as well as nightObjective:
The objectives of the Shelter for Urban Homeless (SUH) component of NULM scheme are to:
- Ensure availability and access of the urban homeless population to permanent shelters including the basic infrastructure facilities like water supply, sanitation, safety and security.
- Cater to the needs of especially vulnerable segments of the urban homeless like the dependent children, aged, disabled, mentally ill and recovering gravely ill, by creating special sections within homeless shelters and provisioning special service linkages for them.
- Provide access to various entitlements, viz. social security pensions, PDS, ICDS, identity, financial inclusion, education, affordable housing etc. for homeless populations.
- Formulate structures and framework of engagement for development, management and monitoring of shelters and ensuring basic services to homeless persons, by state and civil society organisations including homeless collectives.
Facilities at the shelters
The shelters will be permanent, running throughout the year; and open round the clock, because many homeless persons find work in the nights. Following facilities/amenities may be provided at the shelters for dignified living:
- Well ventilated rooms.
- Water arrangements (Potable drinking water and other needs) and sanitation.
- Adequate bathing & toilet facilities.
- Standard lighting for shelter.
- Adequate fire protection measures, as per the norms.
- First aid kit.
- Pest and vector (mosquito) control.
- Regular cleaning of blankets, mattresses and sheets, and maintenance of other services.
- Common kitchen/cooking space, necessary utensils for cooking and serving, cooking gas connections etc.
- Child care facilities for children by linking the shelter to the nearest Anganwadi Centers.
- Facilitation for convergence with other services/entitlements.
- Personal lockers for personal storage space.
- Common recreation space
|1||Guidelines on Scheme of Shelters for Urban Homeless||View|
ULBs Wise Operational Shelter Homes in Jharkhand-Click