National Urban Livelihoods Mission Conferred SKOCH Award

  • On 29th August, 2019, Deendayal Antyodaya Yojana-National Urban Livelihoods Mission (DAY-NULM), a flagship mission under the Ministry of Housing and Urban Affairs has been conferred the prestigious SKOCH Governance Gold Award.
  • It has been awarded for its Portal for Affordable Credit and Interest Subvention Access (PAiSA).

Portal for Affordable Credit and Interest Subvention Access (PAiSA)

  • Launched in November 2018, it is a centralized IT platform which simplifies and streamlines release of interest subvention under the Mission.
  • It offers end to end online solution for processing, payment, monitoring and tracking of interest subvention claims from banks on a monthly basis.
  • The portal has been designed and developed by Allahabad Bank.


  • Instituted in 2003, it is the highest civilian honour in the country conferred by an independent organisation.
  • It recognises people, projects and institutions that go the extra mile to make India a better nation.
  • It covers the best of efforts in the area of digital, financial and social inclusion.

Deendayal Antyodaya Yojana-National Urban Livelihoods Mission

  • National Urban Livelihoods Mission (NULM) was launched by the Ministry of Housing and Urban Poverty Alleviation (MHUPA), Government of India in September, 2013 by replacing the Swarna Jayanti Shahari Rozgar Yojana (SJSRY).

Component of Day-NULM

  • The scheme has two component:
  • The Urban component named as DeenDayal Antyodaya Yojana will be implemented by the Ministry of Housing and Urban Poverty Alleviation.
  • The Rural component named as DeenDayal Upadhyaya Grameen Kaushalya Yojana will be implemented by the Ministry of Rural Development.


  • To reduce poverty and vulnerability of the urban poor households by enabling them to access self-employment and skilled wage employment opportunities.
  • Providing shelter equipped with essential services to the urban homeless.
  • To address livelihood concerns of the urban street vendors by facilitating access to suitable spaces, institutional credit, social security and skills to the urban street vendors for accessing emerging market opportunities.
  • It aims to achieve universal financial inclusion, through opening of basic savings accounts, facilitating access to financial literacy, credit, affordable insurance, and remittance facilities to the urban poor and their institutions

Salient Features of DAY-NULM

  • Employment through Skill Training and Placement: An expenditure of Rs.15, 000 per person is allowed on training of urban poor which is Rs.18, 000 in North-East and J&K. Moreover, Training urban poor to meet the enormous demand from urban citizens by imparting market-oriented skills through City Livelihood Centers.
  • Social Mobilization and Institution Development: It will be done through formation of Self-Help Groups (SHG) for training members and hand holding, an initial support of 10, 000 is given for each group. Assistance of Rs.50, 000 is provided to Registered Area Level Federations.
  • Subsidy to Urban Poor: An interest subsidy of 5% - 7% for setting up individual micro-enterprises with a loan of up to 2 lakh and for group enterprises with a loan limit of up to Rs.10 lakhs.
  • Shelters for Urban Homeless: Cost of construction of shelters for urban homeless is fully funded under the Scheme.
  • Other Means: Development of vendor markets and also the promotion of skills for the vendors through setting up infrastructure and special projects for the rag picker and differently abled etc.


  • Ownership and productive involvement of the urban poor and their institutions in all processes
  • Transparency in programme design and implementation, including institution building and capacity strengthening
  • Accountability of government functionaries and the community
  • Partnerships with industry and other stakeholders
  • Community self-reliance, self-dependence, self-help and mutual-help

Source : Civil Services Chronicle Online, 29th August, 2019