VisionIAS Logo
Last Updated: 16 Oct 2025

Deen Dayal Antyodaya Yojana- Urban (National Urban Livelihoods Mission): DAY-NULM

DAY-NULM aims to reduce urban poverty by promoting self-employment, skilled wage work, and social security for urban poor households through SHGs, shelters for the homeless, support to street vendors, and capacity-building initiatives.

Quick facts

  • Purpose: To reduce poverty and vulnerability of urban poor households on a sustainable basis.
  • Type: Centrally Sponsored Scheme
  • Beneficiaries: Individuals/ groups/ Self Help Groups (SHGs) of urban poor 
  • Area covered: All District Headquarter Towns and all other cities with a population of 1,00,000 or more (2011 census).

Objectives

  • Enabling urban poor to access gainful self-employment and skilled wage employment opportunities through building strong grassroots level institutions of the poor.
  • Providing shelter equipped with essential services to the urban homeless in a phased manner.

Salient features

  • Social Mobilization: ​​At least one member from each urban poor household, preferably a woman, should be brought under the Self-Help Group (SHG) network in a time-bound manner.
Infographic titled
  • SHG membership:  At least 70% of the members should be urban poor to qualify for funding support. SHGs may consist of 10-20 members. 
    • In tribal-dominated hilly areas, groups of fewer than 10 members may be formed. 
    • SHGs of at least 5 members can be created for differently-abled individuals.
  • Financial Support: Provides to group led as well as individual enterprises.
  • SHG - Bank Linkage: 
    • Interest Subsidy above 7% rate of interest is applicable to all SHGs accessing bank loan.
    • Additional 3% interest subvention to all women SHGs who repay their loan in time in all the cities.
  • Support to Urban Street Vendors: This includes skilling, micro-enterprise development, credit enablement, pro-vending urban planning, social security options for vulnerable (women, SCs/STs , etc.)
    • Permanent all-weather 24 x 7 shelters for the urban homeless is also provides
  • Promoting innovative and Special Projects: It is centrally administered and no state share provision is needed. It is aimed at: 
    • Catalyzing sustainable approaches to urban livelihoods through Public, Private, Community Partnership (P-P-C-P).
    • Demonstrating a promising methodology or making a distinct impact on the urban poverty situation through scalable initiatives.
  • Monitoring and Evaluation: State Mission Management Unit (SMMU) oversees state-level progress, while City Mission Management Unit (CMMU) monitors progress at the ULB level.

Key Initiatives

  • UNDP- DAY-NULM partnership: For empowering women for informed entrepreneurship choices. 
    • This 3-year project is extendable beyond 2025 and initially spans eight cities.
  • National Initiative for Promotion of Upskilling of Nirman workers (NIPUN): To be implemented by the National Skill Development Corporation (NSDC). 
  • PaiSA portal: It is a centralized electronic platform for processing interest subvention on bank loans to beneficiaries under DAY-NULM.
Subscribe for Premium Features

Quick Start

Use our Quick Start guide to learn about everything this platform can do for you.
Get Started