NRLM: Empowering Rural Livelihoods

The Deendayal Antyodaya Yojana - NRLM seeks to eliminate rural poverty through Self-Help Groups (SHGs).

1. Strategy: SHG-Bank Linkage

Strategy: SHG-Bank Linkage

Cue Words	Notes
Analyze key facts and concepts related to Strategy: SHG-Bank Linkage.	Financial inclusion by linking groups of 10-20 women to "Formal credit" at low interest. Capitalization: Revolving Fund and Community Investment Fund to build their own capital. Nodal Ministry: Ministry of Rural Development; launched 2011 (as NRLM), renamed DAY-NRLM in 2016. Eligibility: Rural poor/BPL women identified via "Participatory Identification of Poor" (PIP) at the Gram Sabha level, not just SECC deprivation criteria. Funding Pattern: Centre:State 60:40 (90:10 for NE & Himalayan/hill states; 100% Centre for UTs). Confused-Pair: NRLM (livelihood promotion, SHG credit-linkage, no direct cash/food transfer) vs NFSA (food entitlement) vs MGNREGA (wage employment guarantee) — three distinct instruments often clubbed together in mains answers.

Cue Words

Notes

Analyze key facts and concepts related to Strategy: SHG-Bank Linkage.

Financial inclusion by linking groups of 10-20 women to "Formal credit" at low interest.
Capitalization: Revolving Fund and Community Investment Fund to build their own capital.
Nodal Ministry: Ministry of Rural Development; launched 2011 (as NRLM), renamed DAY-NRLM in 2016.
Eligibility: Rural poor/BPL women identified via "Participatory Identification of Poor" (PIP) at the Gram Sabha level, not just SECC deprivation criteria.
Funding Pattern: Centre:State 60:40 (90:10 for NE & Himalayan/hill states; 100% Centre for UTs).
Confused-Pair: NRLM (livelihood promotion, SHG credit-linkage, no direct cash/food transfer) vs NFSA (food entitlement) vs MGNREGA (wage employment guarantee) — three distinct instruments often clubbed together in mains answers.

SHG as Social Capital

Cue Words	Notes
Analyze key facts and concepts related to SHG as Social Capital.	Women SHGs also act as platforms for "Health/Nutrition/Sanitation awareness" (Social-Economic nexus). Lakhpati Didi: target to make 3 crore women earn at least 1 lakh annually via NRLM.

Conclusion

Cue Words	Notes
Analyze key facts and concepts related to Conclusion.	Success lies in moving from "Poverty-traps" to "Capital-Saturated & Agency-Verified Rural Saturation."