DAYNULMSHGUK

Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand

6.2/10

Empowering urban poor women in Uttarakhand, the Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM) focuses on promoting the formation of self-help groups (SHGs) to enhance livelihoods through various income-generating activities. Eligible women, who must be residents of urban local body areas in Uttarakhand and have an annual family income of less than ₹3.00 lakh, can form these groups. Each SHG receives a one-time incentive of ₹10,000 from the Government of India to kickstart their initiatives. Additionally, the groups gain access to bank loans and government subsidies, which are crucial for supporting their self-employment efforts. This initiative not only aims to improve the economic stability of women but also fosters community support and collaboration among members, ultimately leading to sustainable livelihoods and empowerment.

State Composite

States / UT: Uttarakhand

Nodal department: Urban Development

Scheme for: Individual

Scheme profile

DBT (direct benefit transfer): No

Categories: Business & Entrepreneurship, Women and Child

Target beneficiaries: Individual

Tags: Self-Employment, Loan, Urban Area, Employment, Self-Help Group

Details

The “Self-Help Group” is an initiative under the Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM), implemented by the Nagar Nigam Dehradun under the Department of Urban Development, Government of Uttarakhand. The scheme aims to empower urban poor women in Uttarakhand by promoting the formation of self-help groups, improving their livelihoods, and supporting them in income-generating and self-employment activities through financial incentives, bank loans, and government subsidies.

Benefits

  • - In urban local body areas, urban poor women are provided with benefits under the scheme
  • A one-time amount of ₹10,000/- is given to each group as an incentive by the Government of India
  • Through bank loans, various activities are carried out by the groups to improve women’s livelihoods
  • To encourage groups to adopt self-employment, subsidies are provided by both the Government of India and the State Government
  • In urban local body areas, urban poor women are provided with benefits under the scheme.
  • A one-time amount of ₹10,000/- is given to each group as an incentive by the Government of India.
  • Through bank loans, various activities are carried out by the groups to improve women’s livelihoods.
  • To encourage groups to adopt self-employment, subsidies are provided by both the Government of India and the State Government.

Eligibility

  1. The beneficiary must be a resident of Uttarakhand.
  2. The beneficiary must be a woman.
  3. To form a Self-Help Group, the beneficiary must belong to an urban body.
  4. The beneficiary must have an Aadhaar card & one passport-size photograph.
  5. The annual income of the beneficiary's family must be less than ₹3.00 lakh.

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.2
/ 10
Public Benefit Score
Accessibility 6.0/10 Moderate
Rural usefulness 6.0/10 Moderate
Application complexity 5.0/10 Moderate
Financial impact 6.0/10 Moderate
Literacy barrier 2.0/10 Good
Women inclusivity 9.0/10 Good
Awareness 4.5/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility6.0
  • Financial impact6.0
  • Rural utility6.0
  • Awareness4.5
  • Simplicity5.0
  • Inclusivity9.0

What problem does this scheme solve?

The scheme effectively empowers urban poor women in Uttarakhand through self-help groups, enhancing their livelihoods.

Key challenges addressed

  • Empowerment of urban poor women
  • Improvement of livelihoods
  • Access to financial resources

Most beneficial for

  • Women in urban areas
  • Low-income families

Likely challenges

  • Awareness of the scheme
  • Formation of self-help groups
  • Access to bank loans

Practical insights for citizens

Practical for women in urban areas but may face challenges in awareness and access.

Rural challenges

  • Limited awareness in rural areas
  • Access to urban local bodies

Digital challenges

  • Low digital literacy among beneficiaries
  • Limited online resources

Implementation bottlenecks

  • Dependence on municipal employees for group formation
  • Potential delays in accessing loans

Awareness challenges

  • Lack of information dissemination
  • Limited outreach to potential beneficiaries

Application analysis

Application mode
Offline office
Documents burden
Aadhaar card and passport-size photograph
Verification complexity
Moderate, requires group formation and bank account setup
Office dependency
High, requires interaction with municipal employees
DBT dependency
Low, as benefits are not directly transferred to bank accounts
CSC support
Not specified
Estimated citizen effort
Moderate, involves group meetings and savings contributions

Estimated beneficiary reach

  • Rural / urban reach Urban-only
  • Gender reach Female
  • Target income group Low-income families with annual income less than ₹3.00 lakh
  • Occupation reach Self-employed and informal sector workers

Benefit analysis

Benefit type
Composite
Benefit frequency
One-time incentive with ongoing access to loans and subsidies
Benefit practicality
Practical for initiating self-employment activities
Financial meaningfulness
Moderate, as the one-time incentive supports initial efforts
Long-term impact
Potentially significant if groups are successful in generating income

Plain-language guidance

This scheme helps urban poor women in Uttarakhand form self-help groups to improve their livelihoods. They can receive financial support and access loans to start their own businesses.

Who should apply
Women living in urban areas of Uttarakhand with low family income.
Who may struggle
Women who are unaware of the scheme or have difficulty forming groups.
Best application route
Apply through local municipal offices with your Aadhaar card.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Offline

To form self-help groups, municipal employees involved in the project visit wards and hold group meetings with women. After the meetings, they encourage women to form groups and a self-help group is then formed.
After formation of the group, a savings account is opened for the group in any nationalized bank, into which the women of the group deposit their monthly savings. The women in the group are encouraged to take up self-employment. Actions for self-employment are carried out at the urban local body level through banks under the CCL (Cash Credit Limit) facility.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

Who is eligible to form a self-help group?

Women must belong to urban local body areas, have an Aadhaar card, provide one passport-size photograph, and come from families with an annual income of less than ₹3.00 lakh.

What benefits do SHGs receive under the scheme?

Each SHG receives a one-time incentive of ₹10,000/- from the Government of India.

How do SHGs improve the livelihood of women?

SHGs can carry out various income-generating activities through bank loans and government-supported subsidies.

Are there subsidies available for self-employment activities?

Yes, subsidies are provided jointly by the Government of India and the State Government to encourage groups to adopt self-employment.

How are self-help groups formed?

Municipal employees visit wards, hold group meetings with women, and encourage them to form self-help groups. After agreement, the group is formally established.

How do women contribute to the SHG?

Women in the group deposit monthly savings into the group’s bank account and participate in income-generating or self-employment activities.

References

Guidelines (Page No. 222)
https://uk.gov.in/department92/library_file/file-30-01-2025-04-25-16.pdf

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Frequently asked questions

What is the purpose of Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand is a government welfare initiative designed to support Individual, Individual through benefits related to Business & Entrepreneurship, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Eligibility for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Benefits under Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand is managed by Urban Development and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Yes, eligible applicants may be able to apply online for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Applications for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand.
Is Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand available in all states?
No, Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand is primarily available for eligible residents of Uttarakhand and may be implemented through state government departments and local administrative offices.
Can residents outside Uttarakhand apply for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Eligibility for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand is generally limited to residents of Uttarakhand unless otherwise specified in the official scheme guidelines.
Is Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand only for women beneficiaries?
Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand is primarily intended to support eligible women beneficiaries through welfare assistance, financial support, skill development, healthcare, or social security initiatives.
Does Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand support self-employment or financial assistance for women?
Depending on scheme guidelines, Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand may provide loans, subsidies, training support, self-employment assistance, or financial welfare benefits for women.
Does Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand provide business loan or startup assistance?
Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand may support entrepreneurs, startups, self-employed individuals, MSMEs, or small businesses through financial assistance, subsidies, credit support, or training initiatives.
Is collateral required under Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Collateral requirements may vary depending on the loan amount, implementing agency, financial institution, and government subsidy structure.
Can CSC centres help users apply for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Can beneficiaries track application status for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand in Uttarakhand?
Users in Uttarakhand may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Deen Dayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM): Self-Help Group - Uttarakhand applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.