DAY-NRLM: 92 lakh SHGs formed; financial literacy programme and credit products for women SHG members
DAY-NRLM financial inclusion push for women SHG members: financial literacy through RSETIs, dedicated bank credit products for Lakhpati Didi, and SHG market linkages
- DAY-NRLM delivers financial literacy through village-level camps run by Financial Literacy Community Resource Persons, with modules covering financial planning, savings, credit, insurance, pension, enterprise financing, and business correspondence.
- Public Sector Banks and one private sector bank designed dedicated credit products for individual women SHG members under DAY-NRLM to enable enterprise creation or expansion for the Lakhpati Didi initiative.
- DAY-NRLM reports women SHG product turnover in financial year 2025–26 separately for Saras Aajeevika Stores and e-commerce platforms.
The Ministry of Rural Development, under Deendayal Antyodaya Yojana–National Rural Livelihoods Mission (DAY-NRLM), reports nationwide formation of women Self Help Groups (SHGs) and a parallel financial inclusion package for women SHG members. DAY-NRLM couples financial literacy training delivered through Rural Self Employment Training Institutes (RSETIs) and banks with dedicated institutional credit products for individual women SHG members under the Lakhpati Didi initiative, and it tracks women-SHG product turnover through Saras Aajeevika Stores and e-commerce platforms for financial year 2025–26.
What happened
DAY-NRLM’s current reporting highlights four linked elements: (1) formation of 92 lakh women SHGs covering 10.05 crore rural women; (2) launch and delivery of a Financial Literacy Programme with partnership among RSETIs and banks; (3) village-level financial literacy camps conducted by Financial Literacy Community Resource Persons covering modules on financial planning, savings, credit, insurance, pension, enterprise financing, and business correspondence; and (4) bank-designed dedicated credit products for individual women SHG members to support enterprise creation or expansion under the Lakhpati Didi initiative. The same reporting also provides turnover figures for women SHG products marketed through Saras Aajeevika Stores and e-commerce platforms in financial year 2025–26.
DAY-NRLM combines module-based financial literacy delivered via RSETIs and banks with dedicated institutional credit products for individual women SHG members under the Lakhpati Didi initiative. DAY-NRLM also links women SHG enterprises to sales channels through Saras Aajeevika Stores and e-commerce platforms, aiming to sustain livelihoods through both capability and market access.
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