DAY-NRLM - Revolving Fund and Community Investment Fund (CIF)
₹20,000 Revolving Fund and up to ₹2.5 Lakh Community Investment Fund grant per SHG transferred via DBT to verified beneficiary accounts.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
₹4,500 Crore annual community capitalization allocation
Official Budget Document ↗Over 80 Lakh SHGs capitalized with revolving and investment funds
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Women SHG member in rural area fulfilling minimum 3-month track record.
Required Documents Checklist
Verify readiness before applying for DAY-NRLM - Revolving Fund and Community Investment Fund (CIF). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for DAY-NRLM - Revolving Fund and Community Investment Fund (CIF)?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
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Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Form a women SHG with 10-20 members and practice Panchasutra for 3 months.
- 2
Undergo micro-credit grading by Block Mission Management Unit (BMMU).
- 3
Revolving Fund credited directly to SHG bank account; CIF released via Village Organization Micro-Investment Plan (MIP).
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Failure to maintain books of accounts or internal group disputes.
Official Government Application Portal
You will be redirected to the secure official portal: nrlm.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Do SHGs have to repay the Revolving Fund to the Government?
No, the Revolving Fund stays permanently within the SHG as common corpus for member lending.
Source: Official Scheme FAQ ↗Who is eligible to apply for DAY-NRLM - Revolving Fund and Community Investment Fund (CIF)?
Eligible applicants must satisfy official government criteria for DAY-NRLM - Revolving Fund and Community Investment Fund (CIF). Age: min 18 max 65 years. Annual family income ceiling: ₹2,00,000. Applicable gender: female. Conditions: Women SHG member in rural area fulfilling minimum 3-month track record..
Source: Official Scheme FAQ ↗What are the key benefits provided under DAY-NRLM - Revolving Fund and Community Investment Fund (CIF)?
Under official guidelines for DAY-NRLM - Revolving Fund and Community Investment Fund (CIF), beneficiaries are entitled to: Provides an upfront Revolving Fund (RF) of ₹20,000 to newly formed compliant SHGs and a Community Investment Support Fund (CIF) of up to ₹2,50,000 per SHG channeled through Village Organizations (VOs) as low-cost catalytic capital for internal lending.
Source: Official Scheme FAQ ↗How do I apply for DAY-NRLM - Revolving Fund and Community Investment Fund (CIF)? What is the official process?
To apply for DAY-NRLM - Revolving Fund and Community Investment Fund (CIF), applicants should follow the official procedure: 1. Form a women SHG with 10-20 members and practice Panchasutra for 3 months. 2. Undergo micro-credit grading by Block Mission Management Unit (BMMU). 3. Revolving Fund credited directly to SHG bank account; CIF released via Village Organization Micro-Investment Plan (MIP).
Source: Official Scheme FAQ ↗Can I track my DAY-NRLM - Revolving Fund and Community Investment Fund (CIF) application status?
Application status for DAY-NRLM - Revolving Fund and Community Investment Fund (CIF) can typically be tracked through the official portal at nrlm.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my DAY-NRLM - Revolving Fund and Community Investment Fund (CIF) payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving DAY-NRLM - Revolving Fund and Community Investment Fund (CIF) benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Failure to maintain books of accounts or internal group disputes.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | cs | Official Source ↗ |
| 2026-10-06 | short_description | ₹20,000 Revolving Fund and up to ₹2.5 Lakh Community Investment Fund grant per SHG transferred via DBT to verified beneficiary accounts. | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of DAY-NRLM - Revolving Fund and Community Investment Fund (CIF) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Continuous fund sanction upon passing SHG grading milestones
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 24d ago from .gov.in source
Requires documentation or office visit
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📅Scheme Milestone Timeline
₹20,000 Revolving Fund and up to ₹2.5 Lakh Community Investment Fund grant per S...
Official Source ↗Baseline verification of DAY-NRLM - Revolving Fund and Community Investment Fund...
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Official Helpline & Nodal Offices
Institutional Building & Capacity Division, MoRD
Krishi Bhawan, New Delhi 110001
Helpline: 011-23382236
Jurisdiction: Central (All India)Notice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-26 against official government documentation.
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