What is the Aajeevika – National Rural Livelihoods Mission?


To decrease the challenge of rural poverty, the Ministry of Rural Development introduced a scheme, named as National Rural Livelihood Mission (NRLM) in the year 2010. Later on, NRLM was renamed as DAY-NRLM (Deendayal Antyodaya Yojana – National Rural Livelihood Mission) with effect from March 29, 2016. This scheme is regulated by the Central and State Governments. They both jointly fund the projects. The funds flow to the States through NRLM to SRLM. The SRLM has to open a bank account and notify it to NRLM. The SRLM will release funds to the districts in accordance with the allotments indicated in the Annual Action Plan.

 The Centre would release funds to the States in two instalments.  The Department of Rural Development in the Ministry of Rural Development, Government of India (GoI) has the complete responsibility of policy formulation, monitoring, and evaluation of the programme and for the release of funds. This process has to be undertaken by the District Collector through District Panchayat Officer in coordination with Block level officers, CSOs, NGOs, Banks, SLBC, and NABARD. The district level officials have to ensure that the monthly progress report is uploaded12 by all blocks. The consolidated information at the district level may be perused for monitoring the scheme progress.

The purpose of this program is to promote sustainable livelihoods for the poor such that they come out of poverty. The institutions of the poor are intended to facilitate (i) access to formal credit; (ii) support for diversification and strengthening of livelihoods; and (iii) access to entitlements and public services.

The central arrange outlay for 2014-15 for Aajeevika/National Rural keep Mission (NRLM) is 4,000.00 crore, out of which RS.335.00 crore has been earmarked for North Eastern Region and Sikkim.

Main features of this scheme are listed below-

  • NRLM to have suitable linkages at the district level with District Rural Development Agencies (DRDAs) and Panchayat Raj Institutions (PRIs).
  • Convergence with various ministries and agencies dealing with poverty reduction of rural poor.
  • Introduction of financial inclusion model, loaning from banks, association and coordination with banking/financial institutions and coverage from loss of life, health etc
  • One member especially women, from each rural poor household would be brought under the Self Help Group (SHG) network. Women SHG groups would have bank-linkage arrangements.
  • The participatory social assessment would be organized to identify and rank all households according to vulnerability. The ranking would be with reference to poorest of the poor, single woman and women-headed households, disabled, landless, and migrant labour and they would receive special focus.
  • Provision of Revolving Fund as a support to SHGs to strengthen their institutional and financial management capacity and build a good credit history.  Provision of Community Investment Support Fund (CIF) in the intensive blocks to·the SHGs through the Federations to advance loans and/or undertake common/collective socio-economic activities.
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