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About

• The Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) has launched the Prajjwala Challenge intending to invite ideas, solutions and actions to transform the rural economy.
  • Ideas are invited from individuals, Social Enterprises, startups, the Private Sector, Civil Society, Community Based organizations, Academic institutions, startups, Incubation centres, Investors etc having the potential to transform the rural economy.
• The Prajjwala Challenge was launched under the Union Ministry of Rural Development to search for ideas and solutions around;
  • Innovative Technology Solutions
  • Inclusive Growth
  • Value Chain Interventions
  • Enhanced Women Entrepreneurship
  • Cost-effective Solutions
  • Sustainability
  • Place-based employment
  • Localised models etc.
• Shortlisted ideas will be provided mentorship support from an expert panel and incubation support to scale up.
  • The top 5 ideas will be rewarded with Rs. 2 Lakh each.

Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM)

• It was launched by the Ministry of Rural Development (MoRD), Government of India in June 2011 as a restructured version of Swarna Jayanti Gram Swarozgar Yojna (SGSY).
  • In November 2015, the program was renamed Deendayal Antayodaya Yojana (DAY-NRLM).
• DAY-NRLM aims to cover at least one woman member from each rural poor household (about 9-10 crore) under the fold of Self-Help Groups (SHGs).
• Under the DAY-NRLM interest, subvention is already being provided on loans taken by women Self Help Groups from Banks.
  • In 250 backward districts, referred to as Category-I districts, all women SHGs are eligible to get bank loans up to Rs. 3.00 lakh at an interest rate of 7% per annum. An additional Interest Subvention of 3% per annum is provided to women SHGs maintaining prompt repayment and reducing the effective rate of interest to 4%.
  • In the remaining districts of the country referred to as Category-II districts, women SHGs under DAY-NRLM availing loans up to Rs. 3.00 lakh from Banks, Interest Subvention is given to the extent of the difference between the Bank’s lending rate and 7% subject to the maximum ceiling of 5.50% per annum.
• DAY-NRLM has a provision for providing a Revolving Fund (RF) at the rate of Rs.10,000-15,000 per SHG and a Community Investment Support Fund (CISF) to the extent of Rs. 2,50,000 per SHG.
• The Government is taking regular steps to strengthen the SHGs by promoting SHG federations such as Village Organisations (VOs) and Cluster Level Federations (CLFs) which provide handholding support.
• Regular training programmes have been conducted for the SHG members on SHG management, financial literacy, livelihoods-related technologies etc.
  • The Mission so far has mobilised more than 87 Million women into the Self Help Groups and their federations.
• It has promoted financial inclusion, deepening, enhancing and expanding Livelihood intervention ensuring sustainable income.

The following major programmes are being operated by the Ministry of Rural Development for rural development:

• Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) for providing wage employment,
• National Rural Livelihoods Mission (NRLM) for self-employment and skill development.
• Housing for All: Pradhan Mantri Awaas Yojana (PMAYG) for providing housing to BPL households,
• Pradhan Mantri Gram Sadak Yojana (PMGSY) for the construction of quality roads.
• National Social Assistance Programme (NSAP) for social pension.
• Shyama Prasad Mukherjee RURBAN Mission (SPMRM) for the development of a cluster of villages that preserve and nurture the essence of rural community life with a focus on equity and inclusiveness without compromising with the facilities perceived to be essentially urban.
• Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDUGKY) to transform rural poor youth into an economically independent and globally relevant workforce.
• Mission Antyodaya to bring optimum use and management of resources allocated by several Ministries/ Departments.
• Sansad Adarsh Gram Yojana (SAGY) for holistic development of the identified Gram Panchayats, leading to sustainable improvement in Standard of Living.
• Swachchh Bharat Mission to provide access to every person to sanitation facilities including toilets, solid and liquid waste disposal systems, village cleanliness and safe and adequate drinking water supply.
• National Rural Health Mission to provide accessible, affordable and accountable quality health services even to the poorest households in the remotest rural regions.

https://www.pib.gov.in/PressReleasePage.aspx?PRID=1887618

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