The Chairman/ Managing Director
All Scheduled Commercial Banks
Master Circular: Deendayal
Antyodaya Yojana- National Urban Livelihoods Mission (DAY-NULM)
Reserve Bank of India has
periodically issued instructions/directives to banks with regard to
operationalisation of the Government of India’s National Urban Livelihoods
Mission (NULM) Scheme now renamed as “Deendayal Antyodaya Yojana- National
Urban Livelihoods Mission (DAY-NULM)”. To enable banks to have current
instructions at one place, this Master
Circular is being issued which consolidates all the previous
instructions on DAY-NULM issued by RBI up to June 30, 2016, which are
listed in the Appendix. The Master
Circular has been placed on the RBI website (rbi.org.in).
Please acknowledge receipt.
Chief General Manager
Circular: Deendayal Antyodaya Yojana- National Urban Livelihoods Mission
The Government of India,
Ministry of Housing and Urban Poverty Alleviation (MoHUPA), restructured
the existing Swarna Jayanti Shahari Rozgar Yojana (SJSRY) and launched the
National Urban Livelihoods Mission (NULM) in 2013. NULM has been under
implementation w.e.f. September 24, 2013 in all district headquarters
(irrespective of population) and all the cities with population of 1 lakh
The Self Employment Program
(SEP) is one of the components (Component 4) of NULM which will focus on
providing financial assistance through a provision of interest subsidy on
loans to support establishment of individual & Group Enterprises and
self-Help Groups (SHGs) of urban poor. The erstwhile provision of capital
subsidy for USEP (Urban Self Employment Program) and UWSP (Urban Women
Self-Help Program) components of SJSRY has been replaced by interest
subsidy for loans to Individual enterprise (SEP- I), Group enterprise (SEP-
G) and Self Help Groups (SHGs). With a view to improving the livelihood
opportunities for the poor in urban areas, Ministry of Housing and Urban
Poverty Alleviation (UPA Division), Government of India vide their Office
Memorandum No.K-14011/2/2012-UPA/FTS-5196 dated February 19, 2016 has
decided to enhance the scope of National Urban Livelihoods Mission. The
Mission with enhanced scope will be renamed as “Deendayal Antyodaya Yojana -National Urban Livelihoods
EMPLOYMENT PROGRAMME (SEP) - OPERATIONAL GUIDELINES
The operational guidelines of
the Self Employment Program (SEP) component of DAY-NULM are as under:
1.1 This component focuses on
financial assistance to individuals/groups of urban poor for setting up
gainful self-employment ventures/ micro-enterprises, suited to their
skills, training, aptitude and local conditions. The component will also
support Self Help Groups (SHGs) of urban poor to access easy credit from
bank and avail interest subsidy on SHG loans. The component will further
focus on technology, marketing and other support services to the
individuals, group entrepreneurs, SHG members and Urban street vendors/
hawkers engaged in micro enterprises for their livelihoods. The component
will also facilitate issuance of credit cards for working capital
requirement of the entrepreneurs.
1.2 The underemployed and
unemployed urban poor will be encouraged to set up small enterprises
relating to manufacturing, servicing and petty business for which there is
considerable local demand. Local skills and local crafts should be
particularly encouraged. Each Urban Local Body (ULB) should develop a
compendium of such activities/projects keeping in view skills available,
marketability of products, costs, economic viability etc.
1.3 The percentage of women
beneficiaries under SEP shall not be less than 30 percent. SCs and STs must
be benefited at least to the extent of the proportion of their strength in
the city/town population of poor. A special provision of 3 percent
reservation should be made for the differently-abled under this program. In
view of the Prime Minister’s 15-Point Program for the Welfare of
Minorities, at least 15 percent of the physical and financial targets under
this component shall be earmarked for the minority communities.
2. Selection of Beneficiary:
The Community Organizers (COs)
and professionals from Urban Local Body (ULB) will identify the prospective
beneficiaries from among the urban poor. The community structures formed
under Social Mobilization & Institutional Development (SM&ID)
component of DAY- NULM viz. Self Help Groups (SHGs) and Area Level
Federations (ALFs) may also refer prospective individual and group
entrepreneurs for purpose of financial assistance under SEP to ULB. The
beneficiaries may directly approach ULB or its representatives for
assistance. Banks may also identify prospective beneficiaries at their end
and send such cases directly to ULB.
3. Educational Qualifications
and Training Requirement:
No minimum educational
qualification is required for prospective beneficiaries under this
component. However where the identified activity for micro-enterprise
development requires some special skills appropriate training must be
provided to the beneficiaries before extending financial support by linking
for training underComponent 3: Employment through
Skills Training and Placement (EST&P).
Financial assistance should be extended only after the prospective
beneficiary has acquired required skills for running the proposed
3.1 Such training may not be necessary
if the beneficiary has already undergone training from a known institution,
registered NGO/Voluntary Organization or trained under any government
scheme provided requisite certificate is produced. In case the beneficiary
has acquired requisite skills from family occupation such cases should be
certified by the ULB before extending financial assistance.
3.2 Entrepreneurship Development Program (EDP): In addition to skill training of the
beneficiaries, the ULB will also arrange to conduct Entrepreneurship
Development Program for 3-7 days for individual and group entrepreneurs.
The EDP will cover basics of entrepreneurship development such as
management of an enterprise, basic accounting, financial management,
marketing, backward and forward linkages, legal procedures, costing and
revenue etc. In addition to above topics the module should also include
group dynamics, allocation of work, profit sharing mechanism etc. for group
3.3 The EDP module may be
developed and finalized by State Urban Livelihoods Mission (SULM) supported
by State Mission Management Unit (SMMU) with assistance of an empaneled
institution/agency or consulting firm and same may be utilized for
conducting training program by the ULB. This EDP training may be arranged
through institutions such as Rural Self Employment Training Institutes
(RSETI), reputed institutions engaged in entrepreneurship development/
training, management/ educational institutes, reputed NGOs engaged in
entrepreneurship development/ training etc.
3.4 Any cost incurred on
training of beneficiaries under this component is to be met out of
EST&P component budget.
4. Pattern of Financial
The financial assistance
available to urban poor in setting up individual and group enterprises will
be in the form of Interest subsidy on the bank loans. Interest subsidy,
over and above 7% rate of interest will be available on a bank loan for
setting up of individual or group enterprises. The difference between 7%
p.a. and the prevailing rate of interest will be provided to banks under
DAY-NULM. Interest subsidy will be given only in case of timely repayment
of loan. Suitable certification from banks will be obtained in this regard.
5. Procedure for interest
5.1 All scheduled commercial
banks (SCBs), Regional Rural Banks (RRBs) and cooperative banks, which are
on the Core Banking Solution (CBS) platform would be eligible for getting
interest subvention under the scheme.
5.2 After disbursement of loan
to the beneficiaries, the concerned branch of the bank will send details of
disbursed loan cases to ULB along with details of interest subsidy amount.
5.3 The settlement of claims
made by banks would be done on quarterly basis by the ULBs, however the
submission of claims should be monthly. The ULB will check the data at
their end and will release the interest subsidy amount (difference between
7% p.a. and prevailing rate of interest) to the banks.
5.4 A prescribed format for
interest subsidy claims for loans under this component is enclosed (Annex I).
5.5 The State Level Bankers’
Committees (SLBCs) have the option of evolving any alternative procedure of
aggregating/ sanction of claims in consultation with the state government.
5.6 The pending claims should
not be more than a quarter. In case the claims of the banks are not settled
for a period of 6 months, SLBC is empowered to stop the scheme temporarily
in selected cities subject to clearance of claims by such ULBs. In such
eventualities, the claims settlement should prospectively be given to the
Lead District Bank.
6. Sub-Component 4.1 -
Individual Enterprises (SEP-I)-Loan & Subsidy
6.1 An urban poor individual
beneficiary desirous of setting up an individual micro-enterprise for
self-employment can avail benefit of subsidized loan under this component
from any bank. The norms/ specifications for individual micro-enterprise
loans are as follows:
6.2 Age: The
prospective beneficiary should have attained the age of 18 Years at the
time of applying for loan.
6.3 Project Cost (PC): The Maximum unit Project Cost for individual
micro-enterprises cases is ? 2,00,000 (? Two Lakhs).
6.4 Collateral on Bank Loan: No collateral required. As per RBI Circular RPCD.SME&NFS.BC.No.79/06.02.31/2009-10
dated May 6, 2010 banks are mandated not to accept collateral
security in the case of loans up to ? 10 lakhs extended to units in the MSE
sector. Therefore, only the assets created would be hypothecated/
mortgaged/ pledged to banks for advancing loans. The banks may approach
Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) setup
by Small Industries Development Bank (SIDBI) and Government of India for
the purpose of availing guarantee cover for SEP loans as per the
eligibility of the activity for guarantee cover.
6.5 Repayment: Repayment
schedule ranges from 5 to 7 Years after initial moratorium of 6-18 months
as per norms of the banks.
6.6 Margin Money: No
margin money should be taken for loans up to ? 50,000 and for loans ranging
from ? 50,000 - ? 10 lakhs, preferably 5% should be taken as margin money
and it should in no case be more than 10% of the Project cost.
6.7 Type of Loan Facility: Bank
may extend finance to individuals for capital expenditure in the form of
Term Loan and Working Capital loans through Cash Credit. Banks may also
extend Composite Loans consisting of Capital Expenditure and Working
Capital components, depending upon individual’s requirement.
7. Sub-Component 4.2 - Group
Enterprises (SEP-G) -Loan & Subsidy
A Self Help Group (SHG) or
members of an SHG constituted under DAY-NULM or a group of urban poor for
self-employment can avail benefit of subsidized loans under this component
from any bank. The norms/ specifications for group micro-enterprise loans
are as follows:
7.1 Eligibility Criteria: The
group should have minimum 5 members with a minimum of 70% members from
urban poor families. More than one person from the same family should not
be included in the same group.
7.2 Age: All
members of the group enterprise should have attained an age of 18 years at
the time of applying for bank loan.
7.3 Project Cost (PC): The
Maximum unit Project Cost for a group finance for enterprise is ? 10,00,000
(? Ten Lakhs).
7.4.1 Type of Loan: Loan
can be extended either as a single loan to the group functioning as one
borrowing unit or each member of the group can be provided individual loans
based on mutual trust and collateral substitute among the group. The
principles laid down in the RBI circular on “Budget (2014-15) Announcement
Financing of Joint Farming Groups of ‘Bhoomi Heen Kisan’ dated 13th
November, 2014” and subsequent revisions should be followed in case of
loans to a group.
7.4.2 Type of Loan Facility: Bank
may extend finance to groups for capital expenditure in the form of Term
Loan and for Working Capital, through Cash Credit Facility. Banks may also
extend Composite Loans for Capital Expenditure and Working Capital,
depending upon Group’s requirement.
7.4.3 Loan and Margin Money: Project
Cost less the beneficiary contribution (Margin Money) would be made
available as loan amount to the group enterprise by the bank. No margin
money should be taken for loan up to ? 50000 and for higher amount loans,
preferably 5% should be taken as margin money and it should in no case be
more than 10% of the project cost.
7.5 Collateral Guarantee on Bank Loan: No collateral/ guarantee required. Only the assets
created would be hypothecated/ mortgaged/ pledged to banks for advancing
loans. The banks may approach Credit Guarantee Fund Trust for Micro and
Small Enterprises (CGTMSE) as detailed in Para-6.4.
7.6 Repayment: Repayment
schedule ranges from 5 to 7 Years after initial moratorium of 6-18 months
as decided by banks.
8. Procedure for Sponsoring
8.1 The application for
individual and group enterprise loans will be sponsored by the Urban Local
Body (ULB) which will be the sponsoring agency for the individual and group
8.2 The ULB will create
awareness regarding SEP to the prospective beneficiaries through mass media
campaigns, IEC activities, advertisements in local newspapers, City
Livelihoods Centres (CLCs) etc. The ULB may also disseminate information
regarding this component through active involvement of Resource
Organizations and its field staff.
8.3 The beneficiaries desirous
of seeking financial assistance for setting up an enterprise can submit an
application of intent to the concerned ULB officials on a plain paper with
basic details viz: Name, Age, Contact details, Address, Aadhaar details (if
any), amount of loan required, bank account number (if available), type of
enterprise/ activity, category etc. The intent could also be sent by mail
/post to the ULB office. The ULB shall accept such intents throughout the
8.4 The community structures
formed under Social Mobilization & Institutional Development
(SM&ID) component of DAY-NULM viz: Self Help Groups (SHGs)/ Area Level
Federations (ALFs) may also refer prospective individual and group
entrepreneurs for purpose of financial assistance under SEP to ULB.
8.5 On submission/receipt of the
intent from the beneficiary the respective ULB will enter the details in a
register/or MIS if available and hence will generate a waiting list of
beneficiaries. The ULB will issue an acknowledgement to the beneficiary
with a unique registration number, which may be used as a reference number
for tracking the status of application.
8.6 Banks may also identify
beneficiaries as per the eligibility criterion and receive the intent
letter. The applications received directly by the banks will be referred to
the ULB. The applications in this case will also form a part of the waiting
8.7 ULB will call the
beneficiaries in order of the waiting list to complete requisite
documentation including filling of Loan Application Form (LAF), activity
details, identity proof, address proof, bank account details etc. The SULM
may develop a Loan Application Form (LAF) in suitable format in
consultation with State Level Bankers’ Committee (SLBC) convener bank. The
same LAF may be utilized across the State.
8.8 The applications completed
in all respect will be sent to the TASK force constituted at ULB level for
scrutiny, which will call the prospective beneficiaries for an interview
before recommending or rejecting the application or call for additional
information from the applicant if required.
8.9 The case duly recommended by
the task force will be forwarded by the ULB to the concerned banks for
further processing. Such cases recommended by task force have to be
processed by concerned banks within a time frame of 15 days. As these cases
are already recommended by the task force, such cases should be rejected by
banks only in exceptional circumstances.
8.10 The banks will send a
periodic report to the ULB on the status of the applications received. In
case of MIS being used, the banks may be allowed to update the status of
application online in addition to manual report.
9. Task Force at ULB Level
9.1 A Task Force may be
constituted at ULB level for recommending cases for individual and group
enterprises for onward transmission to the banks by the ULB. The Chief
Executive Officer (CEO)/ Municipal Commissioner of ULB will be responsible
to constitute the Task Force and will be the Chairman of the Task force.
There could be more than 1 task force at ULB level depending upon the
size/population of the ULB. The indicative composition of the Task Force is
Force at ULB level
Chief Executive Officer (CEO)
ULB/ Municipal Commissioner of ULB/ or any representative authorized by
Lead District Manager (LDM)
City Project Officer (CPO),
ULB/ or any authorized representative of ULB
Representative from District
Industries Centre (DIC)
Senior Branch Managers (Max-2)
Representatives(2) of Area
Level Federation / City Level Federation
9.2 The ULB will forward the
applications to the task force, which will be scrutinized based on
experience, skills, viability of activity, scope of the activity etc.
Thereafter the Task Force will shortlist the applications and call for
interview of the applicants.
9.3 The task force will then
recommend the applications if found suitable, reject if found unsuitable or
ask the beneficiary to submit further requisite information for
re-examination on case to case basis.
10. Linkage with Credit
Guarantee Scheme (CGS) of Ministry of Micro Small & Medium Enterprises
The banks may approach Credit
Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) setup by
Small Industries Development Bank (SIDBI) and Government of India for the
purpose of availing guarantee cover for SEP loans as per the eligibility of
the activity for guarantee cover.
11. Progress Reporting for SEP-I
11.1 The ULB will prepare a data
sheet of the applications recommended by the TASK force along with their
status details of the sanction, disbursement and rejection (along with
reasons) after validating the same with the respective banks. This data
sheet will be sent to SULM on a monthly basis.
11.2 The SULM will compile all
the reports received from respective ULBs and will communicate to M/o HUPA
on a monthly basis.
11.3 SULM must ensure that
progress under SEP is reviewed in every SLBC and District Consultative
Committee (DCC) meetings. Any other important issue with regard to SEP may
be taken up by SULM with SLBC convener bank for effective coordination and
12. Sub-Component 4.3 - Interest
Subsidy on SHG Loans (SHG-Bank Linkage)
12.1 Linking of SHGs with banks
have been emphasized in the Monetary policy of Reserve Bank of India and
Union Budget announcements from time to time and various guidelines in this
regard have been issued by the Reserve Bank of India(RBI) to banks. To
scale up the SHGs linkage program and make it sustainable, banks have been
advised to consider lending to SHGs as part of their mainstream credit
operations both at policy and implementation level.
12.2 Master Circular on SHG-Bank
Linkage Program issued by Reserve Bank of India consists of the
instructions to the banks for SHG bank Linkage. It includes Opening of
Savings Bank Account of Self Help Groups (whether registered or
unregistered), which are engaged in promoting habit of savings among their
members as a starting point. Thereafter, the SHGs may be sanctioned Savings
Linked Loans (varying from a saving to loan ratio of 1:1 to 1:4) after due
assessment or grading by banks. However, in case of matured SHGs, loans may
be given beyond the limit of four times the savings as per the discretion
of the bank. The Banks have also been instructed that the advances to SHGs
irrespective of the purposes for which the members of SHGs should be
included by the banks as part of their lending to the weaker sections.
12.3 Under Social Mobilization
& Institution Development (SM&ID) component of DAY-NULM, the ULB
will do necessary groundwork to open bank accounts for SHGs and
facilitating access to Revolving Fund (RF). The ULB may also engage
Resource Organization (RO) for the purpose or may directly facilitate SHGs
through its staff. (Concept & Formation of SHGs, ROs and Revolving Fund
has been detailed out in Social Mobilization & Institutional
Development (SM&ID) component of DAY- NULM).
12.4 With a view to provide
access to credit at affordable rate of interest to the urban poor, DAY-NULM
will provide interest subsidy for SHGs accessing bank loan. The interest
subsidy will be the difference between the prevailing rate of interest
charged by the bank and 7% per annum, on all loans to SHGs of urban poor.
This difference in interest amount on SHG loan (between the prevailing rate
of interest and 7% per annum) will be reimbursed to banks.
12.5 An additional 3 percent
interest subvention will be provided to all Women SHGs (WSHGs), who repay
their loan in time. The Interest subsidy will be subject to timely
repayment of the loan (as per the loan repayment schedule) and suitable
certification obtained from banks by the ULB. The additional 3% interest
subvention amount will be reimbursed to the eligible WSHGs. The banks
should credit the amount of 3% interest subvention to the eligible WHSGs
accounts and thereafter seek the reimbursement.
12.6 The ULB through its field
staff or Resource Organization (ROs) will facilitate filling of loan
applications for eligible SHGs to access credit from the banks. The ULB
will be responsible to forward the Loan application of the SHGs to the
concerned banks with requisite documentation. The ULB will maintain area
wise, bank-wise, ROs/ Staff wise data of SHGs loan applications forwarded
to the banks. The same will be sent to SULM on a monthly basis.
12.7 The banks will send the
details of disbursed loan cases to the ULB along with the calculation
details of the interest subsidy amount. The ULB will check the data at
their end and will release the interest subsidy amount on quarterly basis
to the banks following a similar procedure as mentioned in Para 5. The prescribed format for claiming the
additional interest subvention is enclosed at (Annex
12.8 In order to ensure
effective SHG-Bank Linkage under DAY-NULM, the SULM will monitor and review
the progress with banks on regular basis and co-ordinate with SLBC for interest
subsidy/ subvention on SHG Loans in the state. Active involvement of State
level Bankers’ Committee (SLBC) and lead banks may be ensured for
sensitization of bank and branch staff for financial inclusion of urban
12.9 It may be noted that the identification,
selection, formation and monitoring of SHGs who are to get interest
subvention would be the responsibility of State/ ULBs and banks would not
be liable for wrong identification of SHGs who get interest subvention.
12.10 RBI guidelines for prompt
repayment are as follows:
a. For Cash Credit Limit to
balance shall not have remained in excess of the sanctioned limit/drawing
power continuously for more than 30 days.
should be regular credits and debits in the account. In any case there
shall be at least one customer induced credit during the month.
induced Credits during a month shall be sufficient to cover the interest
debited during the month.
b. For Term Loan to SHGs: A term loan account where all of the interest
payments and/or instalments of principal were paid within 30 days of the
due date during the entire tenure of the loans would be considered as an
account having prompt payment.
The prompt payment guidelines
will continue to be guided by RBI guidelines on the subject in future.
13. Sub-component 4.4- Credit
Card for enterprise development
13.1 The financial assistance to
the individual entrepreneurs though subsidized loan for setting up of
enterprises under DAY-NULM could be viewed as initial impetus to facilitate
livelihood support to the urban poor. However the individual entrepreneurs
require further financial support in terms of working capital to make the
enterprise economically sustainable. This may include immediate and short
term monthly requirement of cash for meeting expenses for purchase of
goods, raw materials and other miscellaneous expenditures etc. The
micro-entrepreneur does not have a regular fixed monthly cash inflow/income
to meet expenses arising out of entrepreneurial activities. To approach a
financial institution for such immediate credit requirement, it requires
procedural documentation and consumes a lot of time. This need for working
capital credit is generally met from informal sources of credit (including
money lenders) which is typically available at high rate of interest.
13.2 In order to support the
micro-entrepreneurs to meet their working capital and miscellaneous credit
needs, DAY-NULM will facilitate access to Credit Cards through banks.
13.3 The SULM in consultation
with the State Level Bankers’ Committee (SLBC) will finalize the norms,
limits and specifications for issuance of credit card to the individual
entrepreneurs. The General Credit Card Scheme (GCC), which is being
implemented by all scheduled commercial banks or any other variant of
credit cards for enterprise development of banks in urban areas, may be
explored by SULM and SLBC for the same. The Circular on revised GCC scheme
has been issued by RBI notification vide
RPCD.MSME&NFS.BC.No.61/06.02.31/2013-14 dated December 02, 2013 available
on RBI web-site ‘rbi.org.in’.
13.4 The ULB will identify the
prospective beneficiaries and will facilitate linkages with banks for
issuance of credit cards. The focus is to initially facilitate issuance of
credit card to cover all the beneficiaries who have availed financial
assistance under SEP. Additionally, other beneficiaries who are running
their own business but have not availed assistance under SEP may also be
covered if they satisfy the norms of issuance of credit cards.
13.5 The targets for the same
may be decided at ULB level and the progress under this component is
aggregated at SULM level and communicated to M/o HUPA periodically.
4.5-Technology, Marketing and Other Support
14.1 Micro entrepreneurs often
need support in order to grow and sustain their businesses. Support needed
may be for establishment, technology, marketing, and other services. Micro
entrepreneurs who run very small businesses may need to gain a better
understanding of what the market needs, demand of the products produced by
them, prices, where to sell, etc. Support services under this component are
envisaged with a view to provide an encouraging environment for development
of micro enterprises.
14.2 The City Livelihoods
Centers (CLCs) established under DAY-NULM will offer services to the
micro-enterprises such as in establishment (licenses, certificates
registration, legal services etc.), production, procurement, technology,
processing, marketing, sales, packaging, accounting etc. for long term
sustainability. CLC will also provide support in taking up feasibility/
assessment studies on market demand and market strategy for products and
services of micro-enterprises.
14.3 All SEP individual and
groups enterprises can avail the services from CLCs as per the norms of
CLCs. The CLCs with support of ULB may also tie up with various other
government schemes which offer services and benefits for micro-enterprise
development for the benefit of prospective beneficiaries.
14.4 The SULM may arrange for
additional funds/professional assistance for the purpose of providing above
services to CLCs.
15. Funding Pattern
15.1 Funding under this
component will be shared between the Centre and the States in the ratio of
75:25. In case of special category States (Arunachal Pradesh, Assam,
Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, Tripura, Jammu &
Kashmir, Himachal Pradesh and Uttarakhand) this ratio will be 90:10 between
the Centre and States.
15.2 The Ministry will allocate
funds to the states on annual basis based on the targets assigned to the
states. The states in consultation with the respective SLBCs and ULBs will
decide the targets and corresponding funds will be allocated to ULBs so
that full reimbursement to the banks on account of Interest subvention is
settled during the financial year and no subvention amount remain overdue
or pending with the States.
16. Monitoring and Evaluation
16.1 The SMMU at the State level
and CMMU at the ULB level will closely monitor progress of activities /
targets under this component, undertake reporting and evaluation. The SULM
and the ULB/executing agencies shall report timely progress in formats
prescribed by the Mission Directorate from time-to-time, indicating the
cumulative achievement monthly and up to the end of the quarter and key
issues in implementation.
16.2 To monitor progress of the
targets vis-a-vis achievement under DAY-NULM, Banks are advised to furnish
cumulative progress reports on quarterly basis as per enclosed proforma (Annex III & IV) to the Director, UPA at email@example.com and
soft copy of QPR also to firstname.lastname@example.org as
well as to RBI on email latest by
the end of next month of the quarter to which they relate.
16.3 In addition, under
DAY-NULM, a comprehensive and robust IT-enabled DAY-NULM MIS will be
established for tracking targets and achievements. States and ULBs will be
required to submit their progress reports online and may also use this tool
to monitor progress on the ground. In the spirit of proactive disclosure of
information and ensuring transparency under DAY-NULM, key progress reports
under SEP will also be made available in the public domain in a timely
Restructuring of SJSRY as
National Urban Livelihoods Mission (NULM)
National Urban Livelihoods
Mission (NULM)-Reporting Format
Deendayal Antyodaya Yojana
(DAY)-National Urban Livelihoods Mission