{"id":14182,"date":"2026-05-27T07:39:02","date_gmt":"2026-05-27T07:39:02","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/glossary\/national-urban-livelihoods-mission\/"},"modified":"2026-05-27T07:39:02","modified_gmt":"2026-05-27T07:39:02","slug":"national-urban-livelihoods-mission","status":"publish","type":"glossary","link":"https:\/\/lemonn.co.in\/blog\/glossary\/national-urban-livelihoods-mission\/","title":{"rendered":"National Urban Livelihoods Mission"},"content":{"rendered":"

The National Urban Livelihoods Mission<\/a> (NULM) is a Government of India scheme launched in 2013 to reduce poverty and vulnerability among urban poor by enabling them to access gainful self-employment and skilled wage employment opportunities. It also provides shelter for homeless people and financial assistance for street vendors and urban poor women.<\/p>\n

What Is NULM?<\/h2>\n

NULM works in cities with a population of 1 lakh or more and is implemented through Urban Local Bodies. It was restructured in 2016 and later merged under the Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM).<\/p>\n

Key Components of NULM<\/h2>\n

**Social Mobilisation and Institution Development:**
\nOrganises urban poor into Self Help Groups (SHGs) and SHG federations. Provides capacity building and financial literacy training.<\/p>\n

**Employment Through Skills Training and Placement (EST&P):**
\nProvides skill training to urban poor youth in market-relevant trades through empanelled training centres. Targets placement in formal employment after training.<\/p>\n

**Self Employment Programme (SEP):**
\nProvides financial assistance for individual or group micro-enterprises. Loans up to Rs 2 lakh for individuals and Rs 10 lakh for groups at subsidised interest rates. Interest subsidy provided to bridge the gap between actual and nominal interest.<\/p>\n

**Support to Urban Street Vendors:**
\nSurveys and certifies street vendors, issues identity cards, and facilitates access to credit and social protection.<\/p>\n

**Shelter for Urban Homeless:**
\nProvides round-the-clock shelters for homeless people in cities, with basic facilities like food, water, healthcare, and safety.<\/p>\n

Who Benefits?<\/h2>\n

Urban poor families, particularly women, are the primary beneficiaries. The scheme targets:
\n– Slum residents
\n– Urban homeless
\n– Street vendors
\n– Migrant workers
\n– Urban poor women seeking livelihood support<\/p>\n

Practical Example<\/h2>\n

Sunanda, a migrant from a village who settled in a city slum, joins an urban SHG formed under DAY-NULM. Her group receives training in embroidery and garment stitching. The SHG applies for a group loan of Rs 5 lakh at subsidised interest to buy sewing machines. The group sets up a small tailoring unit, creates employment for 10 women, and supplies garments to a local retailer.<\/p>\n

Key Takeaways<\/h2>\n

– NULM (now DAY-NULM) supports urban poor through SHG formation, skill training, and micro-enterprise loans
\n– Self-employment loans of up to Rs 2 lakh (individual) and Rs 10 lakh (group) are available at subsidised interest
\n– Street vendors receive formal certification and access to credit
\n– Urban homeless shelters provide basic safety-net infrastructure
\n– The scheme targets the most vulnerable sections of urban populations for economic inclusion<\/p>\n","protected":false},"excerpt":{"rendered":"

The National Urban Livelihoods Mission (NULM) is a Government of India scheme launched in 2013 to reduce poverty and vulnerability among urban poor by enabling them to access gainful self-employment and skilled wage employment opportunities. It also provides shelter for homeless people and financial assistance for street vendors and urban poor women. What Is NULM? […]<\/p>\n","protected":false},"author":3,"featured_media":0,"menu_order":0,"template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-14182","glossary","type-glossary","status-publish","hentry"],"blocksy_meta":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"web-stories-poster-portrait":false,"web-stories-publisher-logo":false,"web-stories-thumbnail":false},"uagb_author_info":{"display_name":"Team Lemonn","author_link":"https:\/\/lemonn.co.in\/blog\/author\/ashu\/"},"uagb_comment_info":0,"uagb_excerpt":"The National Urban Livelihoods Mission (NULM) is a Government of India scheme launched in 2013 to reduce poverty and vulnerability among urban poor by enabling them to access gainful self-employment and skilled wage employment opportunities. It also provides shelter for homeless people and financial assistance for street vendors and urban poor women. What Is NULM?…","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary\/14182","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/glossary"}],"author":[{"embeddable":true,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/users\/3"}],"version-history":[{"count":0,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary\/14182\/revisions"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=14182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}