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NRLM - Providing Livelihood

NRLM is the flagship program of Govt. of India for promoting poverty reduction through building strong institutions of the poor, particularly women, and enabling these institutions to access a range of financial services and livelihoods services

Purpose

  • NRLM is a highly intensive program and focuses on intensive application of human and material resources in order to mobilize the poor into functionally effective community owned institutions to promote their financial inclusion and strengthen their livelihoods.
  • To meet the urgent requirements of members
  • To reduce the dependency on Rural money lenders
  • For undertaking manufacturing activities
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Eligibility

  • Group should be in active existence at least since the last 6 months as per the books of account of SHGs and not from the date of opening of SB account
  • The group should have byelaws
  • The group should have successfully undertaken credit operations from its own sources, preferably through a bank account.
  • The group can be registered or unregistered.
  • The group should conduct regular meetings
  • The group should have regular internal lending and recovery
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Limit & Margin

Limit

  • The loan amount will be based on the Micro Credit Plans of the SHGs and their members
  • The loan is eligible for interest subvention
  • A maximum of Rs.15 lakh can be availed under this scheme

Margin

  • Not Applicable
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Security

  • No collateral will be charged upto Rs. 10.00 lakhs limit.
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Repayment

  • A repayment period of 3-5 yearscan be availed.
  • The loan is to be repaid in EMIs.
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Interest Rates & Charges