Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM)
The DAY-NULM aims to provide sustainable livelihood opportunities to urban poor through skill training, entrepreneurship development, and self-employment.
Operational Guidelines
The program consists of two components: Self-Employment Programme (SEP) and Employment through Skills Training and Placement (EST&P).
Self-Employment Programme (SEP)
SEP has two sub-components: Individual Enterprises (SEP-I) and Group Enterprises (SEP-G).
Individual Enterprises (SEP-I)
Eligibility criteria include age (18-65 years), project cost (up to ₹2 lakh), and collateral on bank loan. The loan facility is a term loan with a repayment period of 3-7 years, and margin money is 10% of the project cost.
Group Enterprises (SEP-G)
Eligibility criteria include age (18-65 years), project cost (up to ₹10 lakh), and type of loan (term loan or working capital loan). The loan facility has a repayment period of 3-7 years, and margin money is 10% of the project cost. A collateral guarantee on bank loan is required.
Procedure for Sponsoring Applications
A Task Force at the Urban Local Body (ULB) level will sponsor applications, which will then be forwarded to banks for sanction.
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Download: Master Circular – Deendayal Antyodaya Yojana- National Urban Livelihoods Mission (DAY-NULM)