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Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM)

Applicable to:

  • Individuals/Groups at urban locations

  • Self-Help Groups (SHGs)

  • Urban street vendors/hawkers.


The Scheme supports urban individuals/groups to access easy credit from banks and to avail Interest Subsidy Loans for setting up of individual/group enterprises, to earn their livelihood.


Age: 18 years or above

Educational qualification: No minimum educational qualification required.

Eligibility criteria for SHGs to avail Loans:

  • Minimum 3 members. 70% group members should be from urban poor families

  • All members of the group enterprise should be 18 years or above

  • Maximum Loan of Rs 2 lakh per member or Rs 10 lakh per group, whichever is lower.

Interest rate: Loan at subsidised rate of 7% (with the condition of timely repayment).

Loan limit: Maximum project cost of Rs 2,00,000 per unit for individual micro-enterprises.

Repayment tenure:

  • Moratorium period: Up to 6 months

  • 5 to 7 years after the moratorium period

How to apply:

Applicant must visit Urban Local Bodies (ULBs)/local Municipality to apply for Loans under the NULM Scheme.