उत्तर प्रदेश राज्य ग्रामीण आजीविका मिशन - स्वयं सहायता समूह बैंक लिंकेज एवं उद्यम सहायता (दीनदयाल अंत्योदय योजना - राष्ट्रीय ग्रामीण आजीविका मिशन)

लाभ

लाभ का प्रकार

Grant support to SHG/federations (Revolving Fund, Community Investment Fund, Vulnerability Reduction Fund) plus collateral-free bank credit with interest subvention; BC Sakhi income support

राशि

Revolving Fund Rs 20,000-30,000 per SHG; term loans: 1st dose min Rs 1.5 lakh, 2nd min Rs 3 lakh, 3rd min Rs 6 lakh, 4th+ above Rs 6 lakh; cash credit limit min Rs 6 lakh for 3 years; individual member loans up to Rs 10 lakh (select mature SHGs), MUDRA up to Rs 1 lakh for one woman per SHG, OD min Rs 5,000; BC Sakhi stipend Rs 4,000 per month for six months and equipment/OD fund Rs 75,000 per BC Sakhi (UP GO 111/38-6-2021-165LC/2020-TC-III dated 25 Feb 2021). Community Investment Fund per-SHG amount: not found in the documents read

सब्सिडी का हिस्सा

Interest subvention FY 2025-26: SHG loans up to Rs 3 lakh charged 7% p.a. with 4.5% p.a. subvention to banks; loans Rs 3-5 lakh charged lower of 1-yr MCLR+3% or 10%, with 5% p.a. subvention; Women Enterprise Acceleration Fund: 2% p.a. on prompt repayment for individual member loans (max Rs 1.5 lakh outstanding, 3-year tenure). No capital subsidy.

अधिकतम सीमा

Rs 5 lakh per SHG for interest subvention; Rs 10 lakh collateral-free; Rs 20 lakh with CGF cover; Rs 10 lakh individual member loan

अवधि

Term loans: 1st dose 24-36 months, 2nd 36-48, 3rd 48-60, 4th+ 60-84 months; CCL 3 years with annual drawing-power review

जमानत

None up to Rs 10 lakh (no margin, no lien on savings); Rs 10-20 lakh no collateral but 10% margin and Credit Guarantee Fund coverage

सत्यापन टिप्पणी

Women SHGs in Kannauj can obtain a Rs 20,000-30,000 revolving fund and collateral-free bank loans starting at Rs 1.5 lakh (rising to Rs 6 lakh-plus and up to Rs 10 lakh for individuals) at an effective 7% or lower interest for any livelihood activity, including attar-linked flower cultivation, distillation, packaging or retail, with no capital subsidy.

पात्रता

कौन आवेदन कर सकता है

• Women self-help groups (10-20 members; 5-20 in special cases) formed/adopted under DAY-NRLM
• SHG federations - Village Organisations and Cluster Level Federations
• Individual women SHG members of mature SHGs (individual enterprise loans, MUDRA, OD)
• BC Sakhi candidates (SHG members)

आयु

No individual age limit found in the circulars; SHG must be at least 6 months old (as per its books) for a bank loan and at least 3 months (revolving fund) / 6 months (bank loan); SHG must be 2+ years old with a timely-repaid bank loan for individual member loans of up to Rs 10 lakh

लिंग और श्रेणी

Women SHGs (rural poor households identified by Participatory Identification of Poor); no caste/category restriction; wilful defaulters excluded but non-wilful defaulters and family-member default not disqualifying

टर्नओवर या निवेश सीमा

Not investment-based; loan size is corpus-linked (1st dose 6x corpus or min Rs 1.5 lakh; 2nd dose 8x corpus or min Rs 3 lakh; 3rd dose min Rs 6 lakh; 4th+ above Rs 6 lakh per micro-credit plan). Collateral-free up to Rs 10 lakh; Rs 10-20 lakh under Credit Guarantee Fund with 10% margin

क्या इत्र व्यापार सूची में है

unclear / not applicable - DAY-NRLM has no notified trade or product list; SHG loans finance any livelihood activity in the group's micro-credit plan (farm, non-farm, services). Attar/ittar/perfumery is therefore neither listed nor excluded. Evidence: RBI Master Circular sets loan doses and repayment by SHG corpus and Micro Credit Plan appraisal, not by trade; no 'perfumery' or 'attar' wording found in the circular or on upsrlm.org.

अन्य शर्तें

Panchasutra practice required (regular meetings, savings, inter-loaning, timely repayment, up-to-date books) and NABARD grading norms; no capital subsidy under DAY-NRLM; SHG savings and loan accounts kept separate

आवेदन कैसे करें

ऑनलाइन पोर्टल

No online citizen application: SHGs are formed/adopted by UPSRLM block teams and recorded on the NRLM MIS (nrlm.gov.in / LokOS app, portal unreachable on access date); bank linkage is applied for at the SHG's bank branch with a Micro Credit Plan; UPSRLM portal https://upsrlm.org (BC Sakhi programme, GOs) ; RBI circular https://www.rbi.org.in/Scripts/BS_ViewMasterCirculars.aspx?Id=12806&Mode=0

कार्यालय जहाँ जाना है

District Mission Management Unit (UPSRLM) under CDO/DRDA Kannauj; Block Mission Management Unit at each block; SHG's Village Organisation / Cluster Level Federation; branch of the SHG's bank (lead bank / DCC Kannauj). Kannauj district office details not verified online.

दस्तावेज़

• SHG resolution and Micro Credit Plan (MCP) appraised by VO/CLF
• SHG books of accounts showing 6 months of Panchasutra practice / NABARD grading
• SHG savings bank account (simplified CDD/KYC per RBI KYC Direction 2016)
• KYC of office bearers; loan application in the bank's SHG format
• For BC Sakhi: SHG membership, police verification, IIBF certification after RSETI six-day training

सावधानी

No capital subsidy - only interest subvention; subvention applies only to loans up to Rs 5 lakh and only for prompt repayment; SHG must be at least 6 months old and graded, so new groups cannot borrow immediately; women-only SHGs (male attar workers/distillers cannot form NRLM SHGs except in special vulnerable-group cases); individual loans up to Rs 10 lakh restricted to members of 2-year-old, well-performing SHGs; wilful defaulters excluded; loan size is corpus-linked, so first-dose money (Rs 1.5 lakh) is small relative to distillation-unit capex; UP-level GO evidence online covers only the BC Sakhi component - no UP GO on SHG enterprise support for perfumery was found; FY 2026-27 subvention rates and any 2026 master circular not found, so figures may change; NRLM MIS/aajeevika portals were unreachable on the access date, so Kannauj SHG counts and DMMU contacts are unverified.

कन्नौज में एजेंसी

District Mission Management Unit (DMMU) of UPSRLM under the Chief Development Officer / DRDA Kannauj, with Block Mission Management Units and SHG federations (VO/CLF) - this is the standard NRLM structure; the Kannauj district portal (kannauj.nic.in, last updated 5 Aug 2026) carries no dedicated UPSRLM/DMMU page, so the local office details could not be verified online. Credit is delivered by commercial banks, RRBs and cooperative banks via the SHG-Bank Linkage Programme (lead bank / DCC), with BC Sakhis (one per Gram Panchayat) as doorstep banking agents. DIC Kannauj (ODOP), FFDC Kannauj (tra

क़ानूनी आधार

आदेश या अधिसूचना

RBI Master Circular RBI/2025-26/02 FIDD.GSSD.CO.BC.No.01/09.01.003/2025-26 (DAY-NRLM) and RBI/2025-26/01 FIDD.CO.FID.BC.No.4/12.01.033/2025-26 (SHG-Bank Linkage Programme); UP-level: GO No. 15/2020/184/38-6-2020-R-165/2020 dated 9 June 2020 (Principal Secretary, Rural Development, UP) on BC Sakhi selection under UPSRLM, referencing GO No. 165/38-6-2020-R-165/2020 dated 22 May 2020 (58,000 BC Sakhis); a separate UP GO specifically on SHG enterprise support/bank linkage was not found

तारीख

2025-04-01 (RBI master circulars); 2020-06-09 (UP BC Sakhi GO)

लिंक

https://www.rbi.org.in/Scripts/BS_ViewMasterCirculars.aspx?Id=12806&Mode=0 ; https://upsrlm.org/page/go

दिशानिर्देशों की वर्तमान स्थिति

In force. The 1 April 2025 RBI master circular supersedes the 16 April 2024 version. As of the access date (RBI site updated 4 Sep 2026) no April-2026 DAY-NRLM or SHG-Bank Linkage master circular appears on RBI's master-circular list, and no 2026 amendment or FY 2026-27 interest-subvention notification was found; UPSRLM's own GO page was last updated 27 Feb 2022 and lists only BC Sakhi GOs (2020-2

स्रोत

• Master Circular - Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM), RBI/2025-26/02 · Reserve Bank of India · 2025-04-01T2
• Master Circular DAY-NRLM 2025-26 - interest subvention section · Reserve Bank of India · 2025-04-01T2
• Master Circular on SHG-Bank Linkage Programme, RBI/2025-26/01 · Reserve Bank of India · 2025-04-01T2
• RBI Master Circulars index (checked for 2026 issues) · Reserve Bank of India · 2026-09-04T2