Track Deendayal Antyodaya Yojana Loans 2025: SHG & Rural Livelihood Funding Guide

Track Deendayal Antyodaya Yojana Loans: Empowering rural India through self-sustained livelihood initiatives has been at the core of the Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM). As 2025 unfolds, Self Help Groups (SHGs), micro-entrepreneurs, and rural households are increasingly accessing credit and livelihood support under this flagship scheme. But accessing credit is only half the journey—tracking your DAY-NRLM loan accurately and on time is vital for financial transparency, timely repayments, and continued eligibility.

In this in-depth guide, we’ll walk you through exactly how to track your Deendayal Antyodaya Yojana loan in 2025, using verified platforms like the NRLM portal, JanSamarth, and the websites of leading partner banks such as ICICI Bank and Canara Bank.

Table of Contents

What Is the Deendayal Antyodaya Yojana?

The Deendayal Antyodaya Yojana is a government-led initiative designed to uplift the rural and urban poor through livelihood creation, skill development, and micro-credit. For rural communities, this is operationalized as DAY-NRLM, focused on:

Mobilizing poor households into SHGs
Facilitating financial inclusion through credit linkages
Offering capacity-building and skill training
Providing interest subvention on loans

Why Loan Tracking Matters in 2025

With the number of SHGs in India exceeding 9.1 million, and over 102 million households involved (as per NRLM.gov.in), ensuring transparency in loan disbursement and repayment is crucial. Loan tracking helps:

Prevent missed EMIs and interest hikes
Maintain SHG credit history
Enable timely subsidy disbursement
Support future funding opportunities

DAY-NRLM Loan Snapshot for 2025

Component	Details (2025)
Number of Blocks Covered	7,617
SHGs Promoted	91,75,483
Households Mobilized	10,29,20,576
Individual Loan Limit	₹2 lakh per member
Group Loan Limit	₹10 lakh per SHG
Interest Rate	Subsidized rate (~7% with interest subvention)
Loan Repayment Tenure	5–7 years with up to 6 months moratorium
Support Platforms	NRLM portal, JanSamarth, ICICI Bank, Canara Bank

How to Track Your DAY-NRLM Loan in 2025

Here’s your step-by-step guide to effectively track your Deendayal Antyodaya Yojana loan using trusted government and banking sources:

1. Check the NRLM Portal

URL: nrlm.gov.in

The NRLM eGov portal offers data-rich insights into the mission’s rollout across states and districts. You can:

View your SHG’s participation status
Check block-level achievements
Track community mobilization and credit linkages

Look for the SHG dashboard or search by your Gram Panchayat or block for group-specific updates.

2. Visit the JanSamarth Portal

URL: jansamarth.in/deendayal-antyodaya-yojana

The JanSamarth Portal is a centralized digital gateway for government-backed credit-linked schemes. It provides:

Application status tracking
Loan approval updates
Downloadable scheme documents
Customer support: customer.support@jansamarth.in

Simply log in with your application credentials or SHG details to monitor the progress of your application or disbursement.

3. Refer to Partner Banks (ICICI & Canara Bank)

Most SHG loans are routed through partnering public and private banks. Leading names like ICICI Bank and Canara Bank offer:

SHG loan eligibility info
Loan disbursal timelines
Interest rate details
EMI status and payment tracking

Visit your bank’s SHG lending page or log into your internet banking profile for real-time loan updates.

4. Use State Government Dashboards (Where Available)

Many state rural development departments provide their own DAY-NRLM dashboards. These tools offer:

State-wise achievement data
SHG credit linkage updates
Local helpline numbers

Explore your state’s rural department site or use the links available on NRLM or JanSamarth for regional portals.

5. Contact Support Teams

If you encounter delays or technical issues, contact the official helplines:

JanSamarth Support: customer.support@jansamarth.in
Bank Helpline: Refer to your branch’s direct number or official SHG cell
MoRD SHG Cell: Via the Ministry of Rural Development site rural.gov.in

Key Loan Features You Should Track

To stay on top of your loan, ensure you keep a close eye on the following components:

Loan Sanction Date
Loan Amount Disbursed
Interest Subvention Status
EMI Start Date
Repayment Schedule
Eligibility for Additional Credit

Eligibility Criteria for SHG Loans (2025)

To qualify for funding under DAY-NRLM:

SHGs must have minimum 3 members
At least 70% of members must be from urban/rural poor households
Groups should demonstrate regular internal savings and lending activity
No default record with formal banks

Loans are not sanctioned to inactive or defaulting SHGs. Make sure your group records are updated on the portal.

Interest Subvention & Repayment Benefits

Under DAY-NRLM, banks offer subsidized interest rates. Key facts:

Standard interest rate: 7% per annum
Additional subvention of 3% for prompt repayment (effectively 4% interest)
Subsidy reimbursed directly to the SHG bank account

Extra Benefits Under the Scheme

Besides credit, SHGs under DAY-NRLM also receive:

Skill Training and Digital Literacy Programs
Access to SHG product marketing platforms like Saras Aajeevika
Cluster-level federation support for bookkeeping and auditing
Women’s empowerment programs in rural areas

Real-World Impact & Milestones in 2025

According to the latest data from the Ministry of Rural Development (as of March 2025):

91.7 lakh SHGs are functional nationwide
Over ₹2,00,000 crore credit has been mobilized cumulatively
Thousands of SHG-led enterprises have gone digital or scaled beyond village markets
States like Tamil Nadu, Maharashtra, and Odisha have exceeded their annual SHG credit linkage targets

Conclusion

The Deendayal Antyodaya Yojana in 2025 is more than just a credit program—it’s a lifeline for millions of rural families striving for self-sufficiency. By learning how to track your loan status online, you ensure that your SHG remains compliant, financially stable, and ready for the next growth milestone.

Whether you’re using the NRLM portal, JanSamarth, or your bank’s dashboard, staying informed is the key to unlocking the full potential of the DAY-NRLM initiative.

📍For more real-time updates and tools to track your rural or SHG loans, visit www.trackmyloan.org — your trusted source for transparent and simplified loan tracking in India.