NULM (DAY-NULM): Full Form, Scheme Details, and How to Apply in 2025
NULM, the National Urban Livelihoods Mission, is a central government scheme for the urban poor that provides skill training, self-employment support, credit access through Self-Help Groups (SHGs), and shelter for homeless urban residents. Renamed Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM) in 2016, the scheme is administered by the Ministry of Housing and Urban Affairs and implemented through State Urban Livelihoods Missions (SULMs) and Urban Local Bodies (ULBs). This page covers the full form, DAY-NULM launch date, all scheme components, eligibility, how to apply, and the interest subsidy on SHG loans.
What is NULM (DAY-NULM)?
NULM full form: National Urban Livelihoods Mission. DAY-NULM full form: Deendayal Antyodaya Yojana – National Urban Livelihoods Mission.
NULM was launched in September 2013 by the Ministry of Housing and Urban Poverty Alleviation (now Ministry of Housing and Urban Affairs) to address urban poverty and livelihoods, replacing the older Swarna Jayanti Shahari Rozgar Yojana (SJSRY). In November 2016, the scheme was renamed Deendayal Antyodaya Yojana – NULM (DAY-NULM) to align with the broader Deendayal Antyodaya Yojana framework.
DAY-NULM focuses on mobilising urban poor households into Self-Help Groups (SHGs), providing skill training for formal employment, supporting individual and group microenterprises, and addressing the needs of urban homeless and street vendors. The scheme operates in all statutory towns across all states and UTs. Funding is shared between centre and states: 75:25 for general states, 90:10 for North Eastern and special category states.
DAY-NULM, Key Components
| Component | Full Name | Purpose |
|---|---|---|
| SM&ID | Social Mobilisation and Institution Development | SHG formation, training, and bank linkage |
| SEP | Self-Employment Programme | Loans for individual and group micro-enterprises |
| EST&P | Employment through Skills Training and Placement | Skill training for formal employment |
| SUSV | Support to Urban Street Vendors | Training, credit, smart cards, and ID for street vendors |
| SUD | Shelter for Urban Homeless (SUH) | All-weather shelters for homeless urban residents |
| CBTS | Capacity Building and Training (State / City) | Training of city-level NULM staff |
Key Benefits of DAY-NULM
| Benefit Type | Amount / Description | Applicable Category |
|---|---|---|
| SHG formation and support | Revolving fund of ₹10,000 per SHG; capacity building training | Urban women SHG members |
| SHG bank loan with interest subvention | 7% interest subvention on SHG loans up to ₹3 lakh (first cycle); up to ₹10 lakh (subsequent cycles) | SHG members, 5% to beneficiary; 2% to bank |
| Individual microenterprise loan (SEP-I) | Bank loan up to ₹2 lakh with 7% interest subsidy | Urban poor individuals setting up microenterprises |
| Group enterprise loan (SEP-G) | Bank loan up to ₹10 lakh for group enterprises | SHGs or groups of urban poor |
| Skill training (EST&P) | Free skill training aligned to market demand; placement in formal jobs | Urban poor youth |
| Street vendor support (SUSV) | Credit of ₹10,000–₹50,000 via PM SVANidhi; smart card, training, and ID cards | Urban street vendors |
| Shelter for homeless | All-weather shelter facilities in cities | Urban homeless persons |
NULM Interest Subvention, How It Works
The 7% interest subvention on SHG and SEP loans reduces the effective interest rate paid by the borrower. The subsidy is split between the beneficiary (5%) and the bank (2%).
Worked Example, SHG Loan, ₹3 lakh:
| Parameter | Value |
|---|---|
| Bank lending rate | 12% p.a. (example) |
| Government interest subvention | 7% p.a. |
| Effective rate for SHG member | 5% p.a. |
| Annual interest payable by SHG on ₹3L | ₹15,000 |
| Annual interest saved via subvention | ₹21,000 |
Subvention rates and loan limits are subject to revision. Verify current rates at mohua.gov.in/NULM.
Eligibility Criteria
| Criterion | Requirement |
|---|---|
| Residence | Urban poor residing in statutory towns and cities |
| Income | BPL and near-BPL urban households, verified through ULB identification |
| SHG eligibility | Women in urban areas; men's SHGs supported in some states |
| SEP loan eligibility | Urban poor individuals and groups identified by ULB |
| Skill training | Urban youth aged 18–45 (varies by state) from poor households |
| Street vendor | Must be an urban street vendor with or without a vending certificate |
| No asset requirement | Loans under NULM are collateral-free for amounts within programme limits |
Eligibility is subject to revision. Verify with your Urban Local Body or City Livelihood Centre.
Documents Required
| Document | Purpose |
|---|---|
| Aadhaar card | Identity and DBT linkage |
| Residence proof | Confirms urban area residence, ration card / voter ID / utility bill |
| BPL / income certificate | Confirms eligibility for urban poor category |
| Bank account passbook (Aadhaar-linked) | For subsidy and loan credit |
| SHG passbook / registration certificate | For SHG-linked loan applications |
| Business plan / project report | For SEP individual or group enterprise loan |
| Street vendor certificate / vending ID | For PM SVANidhi / SUSV component |
| Photographs | 2 passport-size photographs |
How to Apply for DAY-NULM
For SHG Formation and Loans
- Contact your nearest City Livelihood Centre (CLC) or Urban Local Body (ULB) office
- Express interest in joining or forming a Self-Help Group
- The NULM field staff organises SHG formation (10–20 members), training, and bank linkage
- After 3–6 months of regular savings and meetings, the SHG is eligible for a bank loan with interest subvention
For Self-Employment Loan (SEP)
- Visit your ULB or CLC and apply for an individual or group enterprise loan
- Submit your business plan and documents
- ULB recommends the application to an empanelled bank
- Bank disburses the loan with 7% interest subvention
For Skill Training (EST&P)
- Contact your nearest City Livelihood Centre or State Urban Livelihoods Mission (SULM) office
- Register for free skill training in trades aligned to local industry demand
- Receive placement support after certification
For Street Vendor Support (PM SVANidhi)
- Apply at pmsvanidhi.mohua.gov.in for working capital loan (₹10,000 to ₹50,000 in tranches)
- Or visit your nearest ULB with your street vendor ID / TVC (Town Vending Committee) certificate
PaisaOne does not process DAY-NULM applications. Apply through your City Livelihood Centre or Urban Local Body.
How to Check DAY-NULM Application Status
- Contact your City Livelihood Centre (CLC) or ULB NULM cell directly
- For PM SVANidhi (street vendor loans), check at pmsvanidhi.mohua.gov.in → Track Your Application
- DAY-NULM National Resource Helpline: Contact via mohua.gov.in/NULM
- Grievance: pgportal.gov.in under Ministry of Housing and Urban Affairs
NULM SHG loans are capped, if your urban enterprise needs more working capital beyond the scheme limit, compare business loan and personal loan options from 30+ banks on PaisaOne. Find competitive rates without visiting multiple branches.
DAY-NULM, UPSC Key Facts
| Parameter | Detail |
|---|---|
| Full name | National Urban Livelihoods Mission |
| DAY-NULM full form | Deendayal Antyodaya Yojana – National Urban Livelihoods Mission |
| Launch date | September 2013 (as NULM); renamed DAY-NULM in November 2016 |
| Nodal ministry | Ministry of Housing and Urban Affairs |
| Replaces | Swarna Jayanti Shahari Rozgar Yojana (SJSRY), launched 1997, replaced 2013 |
| Target group | Urban poor, BPL and near-BPL households in statutory towns |
| Key focus | SHG formation, microenterprise credit, skill training, street vendor support, homeless shelter |
| Companion scheme (rural) | DAY-NRLM (Deendayal Antyodaya Yojana – National Rural Livelihoods Mission) |
| Funding ratio | 75:25 (Centre:State) for general states; 90:10 for NE/special category states |
| Interest subvention | 7% on SHG and SEP loans |
| PM SVANidhi | PM Street Vendor's AtmaNirbhar Nidhi, street vendor loan component; launched 2020 |
| Implementation unit | City Livelihood Centres (CLCs) under Urban Local Bodies |
| NSQF certification | Skill training under EST&P component certified under NSQF |
State-Wise DAY-NULM Implementation
| State | SULM / Implementing Body | State-Specific Notes |
|---|---|---|
| Uttar Pradesh | UP State Urban Livelihoods Mission (UPSULM) | Largest SHG mobilisation base; Lucknow and Kanpur CLCs most active |
| Maharashtra | Maharashtra State Livelihoods Mission (MSRLM-Urban) | Strong street vendor coverage in Mumbai, Pune; SUSV + PM SVANidhi convergence |
| Tamil Nadu | TNSULM (Tamil Nadu State Urban Livelihoods Mission) | Strong women SHG network; Chennai CLCs active in fishing community livelihood support |
| Andhra Pradesh | AP State Urban Development Authority (APUDA) | Village Secretariat system used for urban-rural transition; strong SEP linkage |
| Rajasthan | Rajasthan Urban Livelihoods Mission (RULM) | Street vendor ID card drive linked to SUSV; Jaipur pilot for smart vending zones |
| Karnataka | Karnataka State Urban Development Agency (KSUDA) | Bengaluru street vendor program; BBMP-linked CLC operations |
| Madhya Pradesh | MP State Urban Livelihoods Mission | Bhopal and Indore CLCs active; skill training in construction and hospitality |
| West Bengal | West Bengal Urban Development Agency (WBUDA) | Convergence with Banglar Bari for homeless shelter |
| Bihar | Bihar Urban Infrastructure Development Corporation (BUIDCO) | High street vendor registration; CLC network expanded post-2020 |
| Gujarat | Gujarat Urban Development Mission (GUDM) | Surat and Ahmedabad have active SHG credit linkage; diamond sector skill training |
What is NULM (DAY-NULM) and who is it for? NULM stands for National Urban Livelihoods Mission; DAY-NULM stands for Deendayal Antyodaya Yojana – National Urban Livelihoods Mission. Launched in September 2013 (renamed 2016) by the Ministry of Housing and Urban Affairs, it targets urban poor, BPL and near-BPL households in statutory towns, through Self-Help Group formation, microenterprise credit with 7% interest subvention, free skill training for formal jobs, street vendor support, and all-weather shelters for urban homeless.
What are the main benefits of DAY-NULM? DAY-NULM provides SHGs a revolving fund of ₹10,000 and bank loans up to ₹3 lakh (first cycle) with 7% interest subvention, making the effective rate 5% for the borrower. Individual microenterprise (SEP-I) loans go up to ₹2 lakh, and group enterprise (SEP-G) loans up to ₹10 lakh. Free skill training is provided for placement in formal jobs. Street vendors receive working capital loans from ₹10,000 to ₹50,000 through PM SVANidhi.
Who is eligible for DAY-NULM? Urban poor households, BPL and near-BPL families, residing in any statutory town or city are eligible. SHG membership is primarily for women, though men's SHGs are supported in some states. Youth aged 18–45 from poor urban households can access free skill training under EST&P. Street vendors with or without a formal vending certificate can access SUSV and PM SVANidhi credit. Eligibility is verified by the Urban Local Body.
How do I apply for DAY-NULM benefits? Contact your nearest City Livelihood Centre (CLC) or Urban Local Body (ULB) NULM cell. For SHG formation and loans, the CLC organises groups and bank linkage. For self-employment loans, submit a business plan at the CLC for ULB recommendation to an empanelled bank. For skill training, register at the nearest SULM training centre. Street vendors apply at pmsvanidhi.mohua.gov.in. There is no centralized online application portal for all DAY-NULM components.
