Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand
By Department of Urban Development, Government of Uttarakhand
Check your eligibility
Sign up and we'll tell you whether your startup qualifies for this grant.
Quick Answer
This scheme under DAY-NULM empowers urban poor women in Uttarakhand through Self-Help Groups by providing financial incentives, bank loans, and subsidies for income-generating activities.
- Funding amount
- Varies
- Funding type
- Debt
- Application deadline
- Rolling
- Location
- Uttarakhand
About this loan
The Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM) is a flagship initiative by the Government of India aimed at alleviating poverty in urban areas by providing opportunities for skill development and employment. This particular scheme, implemented in Uttarakhand by Nagar Nigam Dehradun under the Department of Urban Development, focuses specifically on empowering urban poor women. It seeks to uplift their socio-economic status by fostering the formation of Self-Help Groups (SHGs), thereby enabling them to undertake various income-generating and self-employment activities. The mission recognizes the critical role of collective action and financial support in driving sustainable livelihood improvements. Through this scheme, women are not only encouraged to save and invest but are also provided with essential financial incentives and access to institutional credit, coupled with government subsidies to kickstart and sustain their micro-enterprises. This comprehensive approach ensures that urban women, often marginalized, gain economic independence and contribute significantly to their families' well-being and the local economy.
Eligibility
See if you're eligible
Full eligibility criteria — entity type, stage, sector, founder profile and registration requirements — plus your fit for this program. Sign up to view.
Grant providers
Benefits & Funding
- Fund type
- Debt
- Equity
- Equity-free
- Repayment
- Repayable
What You Get
The scheme offers multi-faceted financial support to Self-Help Groups (SHGs) formed by urban poor women. Each eligible group receives a one-time incentive of ₹10,000 from the Government of India, providing initial capital for their collective activities. Beyond this upfront grant, the program facilitates access to bank loans through nationalized banks, often utilizing the Cash Credit Limit (CCL) facility, enabling groups to undertake various income-generating activities. To further reduce the financial burden and encourage self-employment, both the Government of India and the State Government provide subsidies on these loans, making enterprise development more accessible and sustainable for urban poor women in Uttarakhand. In addition to financial aid, the program offers crucial incubation support through municipal staff who guide the formation and initial activities of SHGs, alongside training and workshops to enhance their entrepreneurial skills and understanding of financial management and access to wider networking and fundraising support.
- Bootstrap friendly
- Yes
Timelines & Process
Applications
Rolling basis
Selection Process
The selection process for beneficiaries under this scheme primarily involves community outreach and facilitated group formation. Municipal employees actively identify and engage urban poor women in their respective wards. Eligibility is assessed based on residency in Uttarakhand, belonging to an urban body, possessing an Aadhaar card, and the family's annual income being less than ₹3.00 lakh. Once eligible women are identified and express interest, they are guided to form Self-Help Groups. The successful formation of a group, along with the opening of a group savings account in a nationalized bank, constitutes the initial phase of entry into the program's benefits, including eligibility for the incentive, bank loans, and subsidies.
Application Process
- 1
Ward Visits
Municipal employees visit wards to engage with women and explain the scheme.
Provider - 2
- 3
- 4
- 5
How to apply
Four steps from draft to disbursement — one action each.
- 1
Draft your application
Answer the form inside the grant tracker — AI drafts each response using your past answers, so you're not starting from a blank page.
- 2
Submit on the official portal
Use the official application link and verify all details before final submission.
- 3
Follow up
Reach out 5–7 days after submitting to confirm receipt and ask about the review timeline.
Frequently Asked Questions
Who is eligible to form a Self-Help Group under this scheme?
Urban poor women who are residents of Uttarakhand, belong to an urban body, possess an Aadhaar card and passport-size photograph, and whose family's annual income is less than ₹3.00 lakh are eligible.
What financial benefits does a Self-Help Group receive?
Each Self-Help Group receives a one-time incentive of ₹10,000 from the Government of India. Additionally, groups can access bank loans through nationalized banks for livelihood activities, which are further supported by government subsidies.
How are Self-Help Groups formed?
Municipal employees visit urban wards, hold meetings with women, and facilitate the formation of groups. They guide women through the process of organizing and establishing their SHG.
Is there an age limit or prior business experience required?
The scheme primarily targets urban poor women, focusing on their economic empowerment. There are no explicit age limits mentioned, nor is prior business experience a prerequisite, as the program aims to foster self-employment among those new to it.
What kind of activities can be undertaken with the bank loans?
The bank loans are intended for various income-generating and self-employment activities that improve women's livelihoods, with specific activities being determined by the group based on local market demands and their skills.
What kind of support is provided beyond financial aid?
Beyond financial incentives, loans, and subsidies, the scheme provides vital incubation support through municipal employees who guide the SHG formation and initial operations. It also includes training and workshops to enhance entrepreneurial capabilities and financial literacy.
