A mission aimed at reducing poverty and vulnerability of urban poor households by enabling them to access gainful self-employment and skilled wage employment opportunities. It includes skill training, micro-enterprise support, and shelter for urban homeless.
Benefits and conditions
Self-Employment Programme (SEP)
Subsidised loans for individual and group micro-enterprises with interest subsidy reducing effective rate to 7%.
Up to ₹2 lakh per individual; Up to ₹10 lakh per group (One-time per enterprise)
Employment through Skills Training & Placement (EST&P)
Skill training and placement assistance for urban poor youth.
Varies by training programme (One-time per training)
Eligibility requirements
- Minimum Age: 18
- Gender: Any
- Citizenship: Indian
- Residency: India
- Urban Rural: Urban
- Occupation: Street Vendor
- Occupation: Homeless
- Occupation: Urban Poor
- Occupation: Any
- Social Category: SC
- Social Category: ST
- Social Category: OBC
- Social Category: General
- Social Category: EWS
- Government Employee Allowed: No
- Income Tax Payer Allowed: Yes
- Property Restrictions: Must be urban poor / homeless / street vendor
- Bank Account Required: Yes
- Aadhaar Required: Yes
- Mobile Required: Yes
Exclusions
- Rural resident
- Not belonging to urban poor / homeless / street vendor category
- Age below 18 for individual enterprise loans
- Government employee
Required documents
- Aadhaar Card
- Bank Passbook
- BPL Card / Urban Poor Certificate (if applicable)
- Passport-sized Photographs
- Mobile Number
- Caste Certificate (if applicable)
- Project Report (for enterprise loans)
How to apply
- Modes: Online
- Modes: Urban Local Body (ULB) Office
- Steps — Mode: Online
- Steps — Steps: Visit https://nulm.gov.in or your state NULM portal
- Steps — Steps: Register with Aadhaar and mobile number
- Steps — Steps: Select component (SEP / EST&P / Shelter / Street Vendor)
- Steps — Steps: Fill application form and upload documents
- Steps — Steps: Submit and track status online
- Steps — Mode: Urban Local Body (ULB)
- Steps — Steps: Visit your Municipal Corporation / Municipality / Town Panchayat office
