Deen Dayal Upadhyaya Antyodaya Yojana (DAY-NULM): India, with its rich cultural heritage and diverse population, has always been a land of contrasts. While it boasts of economic growth and technological advancements, it still grapples with the challenge of poverty and inequality.
In an effort to bridge this divide and uplift the marginalized sections of society, the government launched the Deen Dayal Upadhyaya Antyodaya Yojana, commonly known as DAY-NULM.
This comprehensive program, under the aegis of the National Urban Livelihoods Mission (NULM), addresses urban poverty and aims to create sustainable livelihood opportunities for the urban poor across the country.
|Name of the Scheme
|Deen Dayal Upadhyaya Antyodaya Yojana (DAY-NULM)
|Government of India
|Poverty reduction, skill development, and livelihoods
|– Social Mobilization and Formation of SHGs \ Skill Development and Training \ Employment through Skill Training and Placement \Capacity Building and Institution Strengthening \ Revolving Fund (RF) and Community Investment Fund (CIF) \ Interest Subsidy \ Shelters for the Urban Homeless
|Across urban areas in India
|Poverty reduction, improved livelihoods, social cohesion
|– Skill development and employment opportunities<br>- Strengthening of urban institutions<br>- Financial inclusion for the urban poor<br>- Shelter for the homeless
|Reaching marginalized urban poor, scaling up impact
|Expanding reach and addressing challenges
|DAY-NULM empowers urban poor and contributes to poverty reduction and social inclusion in India.
Deen Dayal Upadhyaya Antyodaya Yojana (DAY-NULM)
Deen Dayal Upadhyaya Antyodaya Yojana (DAY-NULM) is a transformative initiative launched by the Government of India to address the multi-dimensional challenges of urban poverty. Named after the eminent political philosopher Pandit Deen Dayal Upadhyaya, this scheme seeks to empower the urban poor by providing them with access to skill development, credit facilities, social security, and livelihood opportunities.
DAY-NULM is the urban component of the overarching National Rural Livelihoods Mission (NRLM), with the goal of creating self-employment and skill-based wage employment opportunities for the urban poor.
The Government of Haryana has recently introduced the ‘Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana‘ as part of its budget for the fiscal year 2023-24.
This scheme is designed to provide financial assistance to families based on verified data in the Family Information Data Repository (FIDR) in the unfortunate event of the death or permanent disability of a family member.
Eligibility for assistance is determined for individuals aged above 6 years and up to 60 years, whose annual income is less than Rs 1.80 lakh.
Under this scheme, the financial assistance provided varies depending on the age of the individual at the time of death or permanent disability:
- Rs. 1 lakh for individuals above 6 years and up to 12 years.
- Rs. 2 lakh for individuals above 12 years and up to 18 years.
- Rs. 3 lakh for individuals above 18 years and up to 25 years.
- Rs. 5 lakh for individuals above 25 years and up to 45 years.
- Rs. 3 lakh for individuals above the age of 45 and up to 60 years.
It’s worth noting that this assistance includes the amount received under Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana, which is Rs. 2 lakhs.
The primary objective of the Government of Haryana through this initiative is to integrate economically disadvantaged families into the mainstream of society. Ensuring the well-being and security of these families remains a top priority for the government.
Here’s a table summarizing the financial assistance provided under the ‘Deen Dayal Upadhyaya Antyodaya Parivar Suraksha Yojana‘ based on age:
|Age Range (Years)
|Financial Assistance (Rs)
|6 to 12
|12 to 18
|18 to 25
|25 to 45
|45 to 60
Objectives of DAY-NULM
The primary objectives of DAY-NULM are as follows:
- Poverty Reduction: DAY-NULM aims to reduce urban poverty by facilitating gainful self-employment and skilled wage employment for the urban poor, ultimately leading to an improvement in their livelihoods.
- Skill Development: The program focuses on providing skill development training to urban youth, equipping them with market-oriented skills that make them more employable.
- Social Cohesion: DAY-NULM encourages the formation of Self Help Groups (SHGs) and community-level institutions, promoting social cohesion and empowering individuals through collective action.
- Institution Building: It aims to strengthen institutions at various levels, from SHGs to urban local bodies, to ensure efficient implementation of poverty alleviation programs.
- Financial Inclusion: DAY-NULM promotes financial inclusion by facilitating access to credit and other financial services for the urban poor.
- Shelters for the Homeless: The scheme includes provisions for constructing shelters for homeless individuals in urban areas.
Components of DAY-NULM
DAY-NULM comprises several key components that work together to achieve its objectives. Let’s explore each of these components:
Social Mobilization and Formation of Self Help Groups (SHGs)
Social mobilization is a fundamental step in empowering the urban poor. It involves organizing the urban poor into SHGs, where members can collectively address their issues, access various government programs, and access credit facilities. SHGs also receive initial support to kickstart their activities.
Skill Development and Training
One of the core components of DAY-NULM is skill development and training. The program provides financial support for training urban youth in market-oriented skills. This empowers them to seek better employment opportunities and improve their income prospects.
Employment through Skill Training and Placement
DAY-NULM focuses on bridging the gap between skill development and employment. It offers placement opportunities for trained individuals, ensuring that the skills acquired are put to practical use. This component helps urban youth secure stable jobs and break the cycle of poverty.
Capacity Building and Institution Strengthening
Building the capacity of institutions, including urban local bodies and community-based organizations, is essential for the successful implementation of poverty alleviation programs. DAY-NULM invests in strengthening these institutions to ensure efficient service delivery.
Revolving Fund (RF) and Community Investment Fund (CIF)
To empower SHGs and community-based organizations financially, DAY-NULM provides them with Revolving Fund (RF) and Community Investment Fund (CIF). These funds help in the growth and sustainability of economic activities undertaken by these groups.
Interest subsidy is a crucial aspect of DAY-NULM. It supports individual and group enterprises by providing financial assistance in the form of interest subsidies. This makes credit more accessible and affordable for the urban poor.
Shelters for the Urban Homeless
DAY-NULM recognizes the plight of the homeless in urban areas. It includes provisions for constructing shelters equipped with essential services for those without homes. This initiative offers a safe and dignified living environment for the homeless.
Implementation and Success Stories
DAY-NULM has been implemented effectively across various urban areas in India. Numerous success stories showcase how the program has transformed the lives of urban poor individuals and communities. From skilled youth securing well-paying jobs to homeless individuals finding shelter and support, the impact of DAY-NULM is profound.
Impact on Urban Poverty
The impact of DAY-NULM on urban poverty cannot be overstated. It has significantly contributed to poverty reduction by providing sustainable livelihood opportunities. The program has helped thousands of urban poor families escape the clutches of poverty, enhancing their quality of life and overall well-being.
Key Benefits of DAY-NULM
The key benefits of DAY-NULM include:
- Poverty reduction
- Skill development and employment opportunities
- Social cohesion through SHGs
- Strengthening of urban institutions
- Financial inclusion
- Shelters for the homeless
Challenges and the Way Forward
While DAY-NULM has made commendable progress, it still faces challenges in terms of reaching the most marginalized urban poor and scaling up its impact. Addressing these challenges and expanding the program’s reach will be crucial for its continued success.
Deen Dayal Upadhyaya Antyodaya Yojana (DAY-NULM) is a beacon of hope for India’s urban poor. By providing them with skills, financial support, and a sense of community, the program empowers individuals to break free from the cycle of poverty.
As it continues to make strides in reducing urban poverty, DAY-NULM stands as a testament to the government’s commitment to uplifting the underprivileged and creating a more inclusive society.
What does NULM stand for?
How can I access NULM Management Information System (MIS), and what are the requirements for access?
Which web browser should I use to access NULM MIS?
What does “Your Password is blocked!! Please contact the Administrator” mean?
What do NMMU, SMMU, and ULB stand for?
What is the role of NMMU?
Who sets the targets for ULBs (Urban Local Bodies)?
Whom should I contact for technical and operational problems?
How can I learn more about NULM MIS?
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