National Urban Livelihoods Mission (NULM), a centrally sponsored scheme has been launched in Kerala as a continuation to the erstwhile Swarna Jayanti Shahari Rozgar Yojana (SJSRY) to alleviate poverty and vulnerability of the urban poor.
Who is an Urban poor?
A family residing in an urban area with an annual income less than Rs 50,000 is considered an urban poor in Kerala and is eligible for all benefits under DAY-NULM.
Salient features of NULM
|•||Building strong grass root level institutions of the urban poor through social mobilization.|
|•||The programme enables the urban poor to access gainful self employment or skilled wage employment opportunities resulting in a significant improvement in their livelihood.|
|•||The mission aims at providing shelters equipped with essential amenities to the urban homeless in a phased manner.|
|•||NULM addresses the livelihoods concerns of the Urban Street Vendors by facilitating access to suitable spaces, institutional credit, social security and skills for accessing emerging market opportunities.|
Though the project commenced at national level in the year 2013, implementation in the State started in May 2015. DAY- NULM is currently being implemented in the 14 Urban Local Bodies (ULB)of the state as a first phase.
Government of India has consented to extend DAY-NULM implementation activities to the rest of the 79 ULBs.
DAY-NULM implementation in Kerala
Kudumbashree Mission is selected as the Nodal Agency for implementation of the project in the state. Executive Director of Kudumbashree is functioning as the State Mission Director of NULM. State Mission Management Unit has been set up to support the mission director in implementation of the project. Likewise City Mission Management Units have been set up in all the selected cities.
The implementation of National Urban Livelihoods Mission at the State level has to be managed by a two-tier structure – A Governing Council and an Executive Committee. As per guidelines, NULM will have a Governing Council chaired by the Chief Minister of the State and an Executive Committee chaired by the Chief Secretary of the State. The existing Governing Body and Executive Committee of Kudumbashree is entrusted to act as the Governing Council and Executive Committee of DAY-NULM. At the city level, DAY-NULM will be managed by an Executive Committee chaired by the Mayor/Chairman of the ULB and the same has been constituted in all the 14 DAY-NULM cities.
The State Level Project Sanctioning Committee (SLPSC) chaired by the Principal Secretary, LSGD has been constituted. Sanction of suitable and viable projects under Shelter for Urban Homeless component (SUH) after appraisal of each project will be done by SLPSC.
Components of DAY-NULM
1.Social Mobilisation and Institution Development(SM&ID)
This component aims at reducing poverty in an effective and sustainable manner by mobilisation of urban poor households into a three tiered structure with Self Help Groups (SHGs) at the grassroot level, Area Level Federations (ALFs) at the ward level and City level Federations (CLFs) at the city level. There federations are equivalent to the existing 3 tier structure of Kudumbashree consisting of NHGs, ADSs and CDSs respectively. These institutions of the poor would partner with local self-governments, public service providers, banks, private sector and other mainstream institutions to facilitate delivery of social and economic services to the poor.
What benefits does DAY-NULM offer under the SM&ID component?
Engagement of Resource Organisation (ROs)– The existing CDS of Kudumbashree has been designated as Resource Organisation to facilitate the various activities under this component. RO is expected to conduct training to all members of SHGs on basic concepts of functioning of SHGs.
A maximum of Rs. 10,000 can be spent per SHG for its formation, handholding support for at least 15 months, training, bank linkage, opening of bank account, formation of federation and other related activities.
Revolving fund (RF) support to SHGs - A one time Revolving Fund Support of Rs. 10,000 will be provided to urban poor SHGs. The condition for an SHG to avail this benefit is that it should have been functional for a period of 6 months with at least 70% of SHG members being an urban poor. RF support is eligible for SHGs formed under SJSRY and have not yet availed the same.
Revolving fund support to ALFs - A one time Revolving Fund Support of Rs. 50,000 would be available to registered Area Level Federations (ALFs) of SHGs. This fund may be used as seed capital for the ALFs for the smooth operation and will form part of corpus of the ALFs.
Universal Financial Inclusion – Financial literacy camps to be organised for SHG members. Awareness about the savings, credit, remittance, insurance etc., along with the modalities and operational requirements for accessing the same is ensured in these camps.
Opening of Bank Accounts – Access to formal financial system can be achieved only by holding a bank account. Opening of one bank account per family has to be ensured.
Affordable Insurance (Health, Life and Pension)
Ensure facilitation of low cost insurance products/services including micro-pension to potential beneficiaries. Ensure maximum coverage under existing/on-going insurance schemes of Government of India such as Rashtriya Swasthya Bima Yojana (RSBY) for health insurance, Janashree Bima Yojana (JBY) for Life insurance, any State specific insurance schemes and micro insurance products.
City Livelihood Centres (CLCs)
CLC aims at making available services in the informal sector in an organized and reliable manner in urban areas for middle and higher income groups.
Objectives of establishing CLCs
•CLCs would bridge the gap between demand and supply of goods and services produced by the urban poor by providing support for marketing of goods and services of the urban poor.
•Urban poor can access information and business support services. Support for opening bank accounts, information on training/employment opportunities under NULM and other schemes, information on social welfare schemes, enrolment for UID/Aadhar Card would be provided through CLCs.
2.Employment through Skill Training and placement (EST&P)
The Employment through Skills Training & Placement (EST&P) Component under NULM is designed to provide skills to the unskilled urban poor as well as to upgrade their existing skills. The program will provide for skill training of the urban poor to enable them setting up self-employment ventures and for salaried jobs in the private sector. The mission will ensure placement for 70% of the successfully trained candidates.
What benefits does DAY-NULM offer under the EST&P component?
The entire cost of training per candidate along with travel allowance would be funded under DAY-NULM.
The trained candidates would be accessed and certified by a competent certifying agency which has acceptability in the industry. It would be ensured that these certificates would be considered as valid document for application of Enterprise loans from banks.
To provide an asset to the urban poor in the form of skills for sustainable livelihood. Apart from basic skills training course modules would include soft skills, financial literacy and information on other government schemes.
To increase the income of urban poor through structured, market-oriented certified courses that can provide salaried employment and / or self-employment opportunities which will eventually lead to better living standards and alleviation of urban poverty on a sustainable basis
Ensure inclusive growth with increased contribution of skilled urban poor to the National Economy.
3.Self Employment Programme
This component focus on financial assistance to individuals/groups of urban poor for setting up gainful self-employment ventures/ micro-enterprises, suited to their skills, training, aptitude and local conditions. The component will also support Self Help Groups (SHGs) of urban poor to access easy credit from bank and avail interest subsidy on SHG loans. The component will further focus on technology, marketing and other support services to the individuals, group entrepreneurs, SHG members and Urban street vendors/ hawkers engaged in micro enterprises for their livelihoods. The component will also facilitate credit cards for working capital requirement of the entrepreneurs.
The underemployed and unemployed urban poor will be encouraged to set up small enterprises relating to manufacturing, servicing and petty business for which there is considerable local demand. Local skills and local crafts should be particularly encouraged. Each Urban Local Body (ULB) should develop a compendium of such activities/projects keeping in view skills available, marketability of products, costs, economic viability etc.
What benefits does DAY-NULM offer under the SEP component?
Appropriate training for running the microenterprise would be provided to the beneficiaries by linking them for training under EST&P component of NULM.
Entrepreneurship Development Programme (EDP)would be conducted for beneficiaries.
Financial assistance –
For all loans under this component, on timely repayment of loan, Interest subsidy, over and above 7% rate of interest will be available on a bank loan for setting up of individual or group enterprises. The difference between 7% p.a. and the prevailing rate of interest will be provided to banks under NULM. Interest subsidy will be given only in case of timely repayment of loan.
An additional 3 percent interest subvention will be provided to all Women SHGs (WSHGs) who repay their loan in time.
4.Shelter for Urban Homeless (SUH)
The National Urban Housing & Habitat Policy (NUHHP), 2007 aims at promoting sustainable development of habitat in the country with a view to ensuring equitable supply of land, shelter and services at affordable prices to all sections of the society. However, the most vulnerable of these are the urban homeless. The Urban homeless persons contribute to the economy of the cities and thus the nation as cheap labour in the informal sector; yet they live with no shelter or social security protection. The urban homeless survive with many challenges like no access to elementary public services such as health, education, food, water and sanitation. National Urban Livelihoods Mission (NULM) aims at providing permanent shelter equipped with essential services to the urban homeless in a phased manner under the Scheme of Shelter for Urban Homeless (SUH).
What benefits does DAY-NULM offer under the SUH component?
Financial assistance of a maximum Rs. 1.5 crores will be provided for new shelter construction.
Financial assistance of a maximum Rs. 5 lakhs will be provided for refurbishment of existing shelters.
Operations & Management (O&M) cost of maximum Rs. 6 lakhs will be provided to one shelter catering to 50 urban homeless.
5.Support to Urban Street Vendors
Street vendors constitute an important segment at the bottom of the pyramid of the informal economy in cities. Street vending provides a source of self-employment, and acts as a measure of urban poverty alleviation. Street vending also has a prominent place in the urban supply chain, and provides inexpensive and convenient access to goods and services to all segments of the population including the poor. Street vending is therefore an integral part of the economic growth process in urban areas.
Low levels of education and skills, limited access to formal credit and micro enterprise support constrain street vendors’ ability to access emerging market opportunities. On account of being unorganised and self-employed, street vendors and their families often lack in any linkage to social security, welfare and assistance schemes and initiatives of the Government. This makes street vendors and their families vulnerable in difficult times, or when they may require assistance for unforeseen expenses.
In this context, the National Urban Livelihoods Mission (NULM) seeks to address the concerns of urban street vendors by facilitating access to suitable spaces for vending, institutional credit, improved skills and social security linkages. The Support to Urban Street Vendors Component of NULM sets out the strategy and operational guidelines with regard to this component.
What benefits does DAY-NULM offer under the SUSV component?
Street vendor survey would be conducted and identified vendors would be issued Identity Cards. This card can act as sufficient documentation for opening of their bank accounts, getting loans from banks, accessing social security benefits, etc.
6.Capacity Building and Training
The key objectives of the Capacity Building and Training (CB&T) component are: a. To transform the role of M/o HUPA and State Agencies in charge of urban poverty alleviation into providers of high quality technical assistance in the field of livelihood promotion and urban poverty alleviation; b. To build strong institutional structures at the National, State, and City levels for efficient implementation of the NULM and; c. To build capacity of the urban poor, their institutions and the machinery involved in the implementation of NULM
7.Innovative and Special Projects
In keeping with the mission’s need to learn from, support and inculcate innovative initiatives, the National Urban Livelihoods Mission (NULM) will promote novel approaches in the form of innovative and special projects. The objective of projects under this component will be to implement a time-bound programme to demonstrate an approach that is likely to have wide implications for sustaining urban poverty alleviation efforts.
A project taken up under this component may include pioneering approaches, innovations to strategies under NULM, or catalysing efforts in geographical areas where these have not been undertaken before. These projects may also include activities not possible to address through the normal course of NULM implementation. Further, special projects to address livelihood issues of most vulnerable sections like physically-challenged, rag pickers, domestic workers, sanitation workers and other such vulnerable groups may also be taken up.
For more details on the programme visit the following links.
|•||NULM Mission Document, Guidelines of the NULM components, User Manual & FAQs
Click here for NULM Website
|•||Contact details of SMMU & CMMU Managers
Click here for contact details
Circulars & Orders
Graphical Reports - NULM Progress FY 2016-17