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How to Join Self Help Group SHG NRLM 2026

SHG via DAY-NRLM - 10-20 women group. Savings + bank loans up to ₹3L. Women empowerment.

📁 Schemes ⏱️ 30-60 mins 💰 Free

About This Guide

DAY-NRLM (Deendayal Antyodaya Yojana - National Rural Livelihoods Mission) facilitates Self Help Groups (SHGs) of 10-20 women. Monthly savings + bank linkage. Cumulative loans up to ₹3 lakh per SHG. Interest 7% to lender (subvention 7% means group pays 0% effective). Pan-India 8 crore+ women in SHGs.

Eligibility Criteria

Rural woman 18-70
Below poverty line OR low-income family
Aadhaar mandatory
Bank account
Local PRI/NRLM coverage area
Group of 10-20 like-minded women

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

Aadhaar (all members)
Bank account each (or group account)
SHG bylaws
Federation membership
Photo
Address proof
Mobile number

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Find Existing SHG

Approach Anganwadi / NRLM block office. Or contact local Federation.

Or Form New SHG

10-20 women, similar income/needs.

Bylaws

Meeting frequency (monthly), savings amount (₹50-500/member), interest, internal lending rules.

Open Group Bank Account

After 3 months SHG functioning. Joint account.

Federation Membership

Village Federation registers SHG.

Monthly Meetings

Savings collection, internal lending.

Bank Linkage

After 6 months. Cumulative loans up to ₹3L.

Use Loans

Income generation, household needs.

Repayment

Members repay group, group repays bank.

Skill Training

NRLM provides EDP training.

Marketing Support

SARAS Mela, Gram Bazaar.

Insurance

PMJJBY/PMSBY auto-enrollment.

Key Benefits

Women empowerment
Bank loans up to ₹3L
7% interest subvention (effective 0%)
Monthly savings discipline
Internal lending
EDP skill training
Marketing platforms
Group insurance
Federation support
Bargaining power
Income generation

What Happens After Application?

SHG forms, group functions monthly. Bank linkage 6 months. Loans accessed for income generation.

Frequently Asked Questions

Urban SHG?

DAY-NULM (urban version). Similar but for urban poor.