DAY-NRLM Ajeevika organises rural poor women into SHGs with Rs.15,000 revolving fund, Rs.2.5 lakh CIF, and Rs.3 lakh bank loan. 10 crore+ women in SHGs. Join through Block Mission Unit.
About this scheme
DAY-NRLM Ajeevika 2026 — Self Help Group Loan ₹3 Lakh | aajeevika.gov.in
✅ SHG Revolving Fund ₹15,000 + CIF ₹2.5 lakh + Bank loan ₹3 lakh+ at subsidised rates
Full Scheme Details →📢 Latest Update — June 2026:
DAY-NRLM Ajeevika continues to be India's largest rural livelihoods mission, with more than 10 crore women already mobilised into Self Help Groups (SHGs). Group formation and bank linkage are open year-round through your local Block Mission Management Unit — there is no fixed last date to form a new SHG. Always confirm the current revolving fund, Community Investment Fund and interest details on the official portal before applying.
⚡ Key Facts at a Glance
DAY-NRLM Ajeevika — Rs.3 Lakh SHG Loan for Rural Women
Deendayal Antyodaya Yojana — National Rural Livelihoods Mission (DAY-NRLM), branded as Ajeevika, is India's largest rural livelihoods programme. It works on a simple idea: when poor rural women come together, save regularly and lend to each other, they build the discipline and credit history that banks need to see. Today more than 10 crore women are members of Self Help Groups (SHGs) under this mission, accessing revolving funds, community investment funds and formal bank credit.
The mission does not just hand out a one-time grant. It builds a financial ladder: a small revolving fund of Rs.15,000 first, then a larger Community Investment Fund of Rs.2.5 lakh, and finally bank credit of Rs.3 lakh or more at a subsidised 7% interest rate. You can read the full programme details on the DAY-NRLM Ajeevika scheme page.
Example: Suppose 12 women in a village form an SHG, meet weekly and save a small fixed amount each. Within about 3 months the group becomes eligible for the Rs.15,000 revolving fund to start internal lending. Over the next 6–12 months, with a good repayment record, the group can access the Rs.2.5 lakh CIF and then a Rs.3 lakh bank loan — money members can use to start tailoring, dairy, kirana or other micro-enterprises.
Who is Eligible — Complete Criteria 2026
- ✅ Rural poor women who come together as a group of 10–15 members
- ✅ Members who are willing to save regularly and attend weekly group meetings
- ✅ Groups ready to register with the Village Organisation and follow group lending discipline
- ✅ SHGs that maintain proper savings and repayment records (needed for CIF and bank linkage)
- ❌ Individuals applying alone — benefits flow through the group, not to a single person directly
- ❌ Groups that do not meet regularly or fail to maintain savings and repayment discipline
How to Apply — Step-by-Step 2026
- Form your group: Bring together 10–15 rural poor women from your area who are willing to save and meet regularly.
- Contact the BMMU: Approach the nearest Block Mission Management Unit (BMMU) to inform them about your new SHG.
- Register the SHG: Get your group registered in the Village Organisation so it is recognised under the mission.
- Hold weekly meetings & save: Meet every week, collect savings and start internal lending among members.
- Unlock funds in stages: At about 3 months the group can receive the Rs.15,000 revolving fund; by around 12 months, with a good record, the Rs.2.5 lakh CIF and Rs.3 lakh bank loan become accessible.
Documents Required
| Document | Purpose |
|---|---|
| Aadhaar card of each member | Identity verification of SHG members |
| Group savings passbook / register | Proof of regular savings and internal lending |
| SHG resolution / meeting minutes | Record of group decisions and attendance |
| Bank account details of the SHG | For receiving revolving fund, CIF and loan |
| Village Organisation registration record | Proof the SHG is recognised under the mission |
Myth vs Reality
| Myth | Reality |
|---|---|
| "DAY-NRLM gives free cash to individuals." | Benefits flow through the SHG as funds and credit, not as free individual cash. The Rs.3 lakh is a bank loan to be repaid. |
| "You get all three funds immediately after forming a group." | Funds are released in stages — revolving fund first, then CIF, then bank credit — based on the group's maturity and track record. |
| "The 7% interest applies everywhere automatically." | The subsidised 7% interest is part of the scheme design; confirm the exact terms that apply to your loan with your bank and the official portal. |
| "Men can join an SHG under this mission." | DAY-NRLM SHGs under this programme are organised around rural poor women. |
Important Dates & Deadlines 2026
- ✅ Group formation: Year-round / no fixed last date — you can form a new SHG at any time through the BMMU.
- ✅ Revolving fund: Typically accessible around 3 months after group formation, subject to the group's record.
- ✅ CIF & bank credit: Typically accessible around 6–12 months after formation, subject to grading and repayment discipline.
- ✅ For any time-bound state-level drives or camps, check the official portal or your local mission unit for current dates.
Frequently Asked Questions
Q: The revolving fund or loan has not been credited yet — what should I do?
First check whether your SHG has completed the required period and grading. Funds are released in stages, so the revolving fund usually comes around 3 months and the CIF and bank loan later. If your group qualifies but money is still not credited, raise it with your Block Mission Management Unit and verify the SHG's bank account details. You can also escalate through the grievance portal at pgportal.gov.in.
Q: How do I check my SHG's status?
Status of SHG formation, fund release and bank linkage is tracked by the mission. Ask your BMMU or community resource person for an update, and check the official portal at aajeevika.gov.in for any online tracking options available in your state.
Q: Our application or loan request was rejected — what now?
Rejections are often due to weak savings records, irregular meetings or low grading. Ask the BMMU or bank for the specific reason, fix the gap (for example, build a consistent savings and repayment history), and reapply. If you believe the rejection was wrong, lodge a complaint on pgportal.gov.in.
Q: The amount we received seems wrong — how is it decided?
The scheme provides up to Rs.15,000 as revolving fund, up to Rs.2.5 lakh as CIF and Rs.3 lakh+ as bank credit, but the exact sum depends on your group's stage and grading. If you think there is an error, cross-check with your BMMU and the latest notification on the official portal.
Q: Do members need Aadhaar / eKYC?
Members are generally expected to have Aadhaar for identity verification and bank account linkage. Confirm the exact eKYC requirement for your SHG's bank account with your bank branch and the official portal.
Q: I am a new applicant — where do I start?
Start by gathering 10–15 rural poor women who are willing to save and meet weekly, then contact your nearest Block Mission Management Unit to register the group in the Village Organisation. You may also find related women-focused programmes on our blog and the full list of central government schemes.
Q: Does the scheme work the same in every state?
DAY-NRLM is a national mission, but each state runs it through its own State Rural Livelihoods Mission, so processes, branding and some support amounts can differ. Check your state mission's guidance and the official portal for state-specific details.
Q: How do I file a complaint if my issue is not resolved?
If your BMMU or bank does not resolve the issue, lodge a grievance on the central public grievance portal at pgportal.gov.in, giving your SHG details and a clear description of the problem.
Helpline Numbers & Grievance Portal
- 🌐 Official portal: aajeevika.gov.in — for scheme details and state mission links
- 🏢 Block Mission Management Unit (BMMU): your first point of contact for SHG formation, funds and bank linkage
- 📝 Grievance portal: pgportal.gov.in — to lodge and track complaints
- ☎️ Helpline: Check the official portal for the current toll-free number
📋 संक्षिप्त जानकारी (हिंदी में)
DAY-NRLM आजीविका भारत का सबसे बड़ा ग्रामीण आजीविका कार्यक्रम है, जिसमें 10 करोड़ से अधिक महिलाएं स्वयं सहायता समूहों (SHG) से जुड़ी हैं। 10–15 ग्रामीण गरीब महिलाएं मिलकर समूह बनाती हैं, हर सप्ताह बैठक और बचत करती हैं, और नज़दीकी ब्लॉक मिशन मैनेजमेंट यूनिट (BMMU) में पंजीकरण कराती हैं। लगभग 3 महीने में समूह को Rs.15,000 का रिवॉल्विंग फंड मिल सकता है, और अच्छे रिकॉर्ड पर लगभग 6–12 महीने में Rs.2.5 लाख का सामुदायिक निवेश फंड (CIF) तथा 7% की रियायती ब्याज दर पर Rs.3 लाख तक का बैंक ऋण मिल सकता है। समूह बनाने की कोई अंतिम तिथि नहीं है — यह पूरे साल खुला रहता है। अधिक जानकारी के लिए aajeevika.gov.in देखें और शिकायत के लिए pgportal.gov.in का उपयोग करें। सटीक राशि, ब्याज और दस्तावेज़ राज्य के अनुसार बदल सकते हैं, इसलिए आधिकारिक पोर्टल पर पुष्टि अवश्य करें।
🇮🇳 हिंदी में पढ़ें (Read in Hindi)
DAY-NRLM आजीविका — SHG ऋण Rs.3 लाख
10-15 ग्रामीण गरीब महिलाएं SHG बनाएं, BMMU में register करें। 3 माह में Rs.15,000, 12 माह में Rs.2.5 लाख CIF + Rs.3 लाख बैंक ऋण।
aajeevika.gov.in
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