DAY-NULM Self-Help Group Scheme in Uttarakhand — ₹10,000 Incentive — Frequently Asked Questions

Every eligible group gets a one-time incentive of ₹10,000 from the Government of India. Beyond that, the group can borrow from nationalized banks for its livelihood activity, and those loans carry government subsidies. The loan size itself is not a fixed amount — it varies according to the group's activity and the bank's assessment.

No. This scheme runs on a rolling, always-open basis, so there is no application deadline to race against. Entry happens when municipal staff reach your ward and your group completes the formation process.

You must be a woman, a resident of Uttarakhand, and living within an urban local body area. You also need an Aadhaar card and one passport-size photograph, and your family's annual income must be below ₹3.00 lakh. Membership is always through a group rather than as an individual applicant.

The listed eligibility criteria for this scheme do not include DPIIT or MSME registration. What matters is being a woman resident of Uttarakhand, belonging to an urban body area, holding an Aadhaar card, submitting a passport-size photograph, and having a family income under ₹3.00 lakh.

No. Support comes in the form of a one-time group incentive, bank loans and government subsidies on those loans — there is no equity stake taken in your group or enterprise.

No explicit age limit is mentioned, and prior business experience is not a prerequisite. The programme is specifically designed to bring women who are new to self-employment into income-generating activity, with training and workshops provided to build the needed skills.

The scheme lists an Aadhaar card and one passport-size photograph as the beneficiary's documents. Your eligibility is also assessed on your Uttarakhand residency, your urban local body coverage, and proof that your family income is less than ₹3.00 lakh a year.

You do not apply through a portal. Municipal employees who are part of the project team visit wards in urban local body areas, hold meetings with women residents, and explain the scheme. Interested and eligible women are then guided by these staff to form a Self-Help Group. After the group is formally set up, a savings account is opened in any nationalized bank, members deposit their monthly savings, and the group can then access bank loans for self-employment activities.

The credit is meant for income-generating and self-employment activities that improve members' livelihoods. The specific activity is decided by the group itself, based on local market demand and the skills its members bring.

Quite a lot beyond the cash. Municipal staff provide incubation support during group formation and early operations, training and workshops strengthen entrepreneurial and financial management skills, and the programme also offers networking, fundraising and regulatory support to help groups run their enterprises properly.

DAY-NULM Self-Help Group Scheme in Uttarakhand — ₹10,000 Incentive is offered by Department of Urban Development, Government of Uttarakhand, a government body. It is provided as non-dilutive funding.