RURAL DEVELOPMENT AND PANCHAYAT

RAJ DEPARTMENT

Poverty Alleviation Programme and

Rural Indebtedness

POLICY NOTE
2023- 2024

DEMAND No. 42

Thiru. UDHAYANIDHI STALIN

Minister for Youth Welfare and Sports Development

Government of Tamil Nadu

2023
 TABLE OF CONTENTS

Sl. PAGE
TITLE
No. No.
1. Introduction 1
2. Tamil Nadu Corporation for 11
Development of Women
(TNCDW)
2.1 History of TNCDW 13
2.2 Organisational Structure 15
3. SHG Movement and Mahalir 19
Thittam
3.1 IFAD Project 21

3.2 Mahalir Thittam 23

4 Livelihood Missions under 27

TNCDW
4.1 Tamil Nadu State Rural Livelihoods 30
Mission (TNSRLM)
4.2 National Rural Economic 31
Transformation Project (NRETP)
4.3 Deen Dayal Upadhyaya Grameen 32
Kaushalya Yojana (DDU-GKY)
4.4 Tamil Nadu Urban Livelihoods 32
Mission (TNULM)
i
Sl. PAGE
TITLE
No. No.

5. Tamil Nadu State Rural 33

Livelihoods Mission (TNSRLM)

5.1 SHGs under TNSRLM 36

5.2 Social Mobilization and Institution 39
Building
5.3 Financial Inclusion and Access to 50
Bank Credit

5.4 Social Interventions through 57

Partnership & Convergence
5.5 Livelihood Promotion 66

5.6 Skill Training for Youth 84

5.7 Awards 87
6. National Rural Economic 91
Transformation Project
(NRETP)

6.1 Model Block Level Federations 95

(BLFs)
6.2 Digital Transaction 95

6.3 Piloting of Dual Authentication 96

ii
Sl. PAGE
TITLE
No. No.
7. Deen Dayal Upadhyaya 97
Grameen Kaushalya Yojana
(DDU-GKY)
7.1 Call Centre for Skill and Livelihood 100
7.2 Soft Skills Training with British 101
Council
8. Tamil Nadu Urban Livelihoods 103
Mission (TNULM)
8.1 Scheme Components 106
8.2 Partnership and Convergence 114
8.3 NULM components implemented by 115
Directorate of Municipal
Administration
9. Tamil Nadu Rural 117
Transformation Project @
Vazhndhu Kattuvom Project 2.0
(VKP)
9.1 Key Components 121
9.2 Support Institutions 133
9.3 Monitoring and Evaluation 134
10. Conclusion 139
iii
iv
1. INTRODUCTION

1
2
Introduction
“பணத்தை தைக்க வைண்டியைர் தைத்து,
ககொடுக்க வைண்டிய இடத்திவே ககொடுத்து,
கபற வைண்டிய வேரத்திவே கபற்று,
அதை பொதுகொக்கின்ற அதைப்பொக
ைகளிர் சுய உைவிக் குழுக்கள் உள்ளன’’.

இவை முதறயில், இவை ைதகயில், இவை

நிதேயில், இவை கட்டுப்பொடுகவளொடு, சட்ட
திட்டங்கவளொடு, விதிமுதறகவளொடு, கபண்கதள
சுய உைவிக் குழுக்களொக அதைத்து, அைர்கள்
பொடுபட்டுப் பணியொற்றி, அக்கதறவயொடு இந்ை
இயக்கத்திவே ஈடுபடுகின்ற கொரணத்ைொல்
அைர்களின் கபொருளொைொரம் உயர்ந்து, ைற்சொர்பு
கபற்றைர்களொக, ைங்கதள உயர்த்திக் ககொள்ளும்
அளவிற்கு ைளர்ச்சி கபற்று ைருகின்றனர்
என்பதை அறிந்து ேொன் இந்ைத்
ைொய்ைொர்கதளகயல்ேொம் மிக மிகப் பொரொட்ட
கடதைப்பட்டிருக்கின்வறன்.

முத்ைமிழறிஞர் கதேஞர் அைர்கள்

ைொண்புமிகு முன்னொள் ைமிழ்ேொடு முைேதைச்சர்

3
 புத்துேக ஆக்கத்திற்கு இன்றியதையொது
இருப்பது கபண்கவள. கபண்களின் சமூக –
கபொருளொைொர உரிதைகதள மீட்கவும், கபண்கள்
யொருதடய ையதையும் எதிர்பொர்க்கொைல்,
அைரைர்கள் கசொந்ைக் கொலில் நிற்க வைண்டும்
அைர்களுக்கு ைன்ைொனத்வைொடு ைொழக்கூடிய
அளவிற்குத் ைன்னம்பிக்தகதயத் ைந்ைொக
வைண்டும்… என்பதை வேொக்கைொகக் ககொண்டு
முன்னத்தி ஏரொக முத்ைமிழறிஞர் கதேஞர்
அைர்களொல் 1989ஆம் ஆண்டு
கைொடங்கப்பட்டதுைொன் ைகளிர் சுய உைவிக் குழு
என்ற உன்னை இயக்கம்.
கசொற்களொல் கபண்கதளப் வபொற்றி,
கசயல்களொல் அைர்கதள அடிதைப்படுத்திய
பழதைைொை கொேத்தை ைொற்றிய ேைது அரசு,
கபண்கள் ேேனும் உரிதையும் கொத்திட என்றும்
துதண நிற்கும்.
அடிதைத்ைனத்தை ைகர்த்கைறியும்
ைலிதைமிகு வபொர்க்குரல் கபண்கவள…

திரு. மு.க. ஸ்டொலின்

ைொண்புமிகு ைமிழ்ேொடு முைேதைச்சர்

4
 The Government of Tamil Nadu is a
model welfare state which focuses on
inclusive socio-economic development
through multifarious schemes that provide
opportunities for people at the bottom of the
pyramid to access the benefits of
programmes and projects and improve their
quality of life. Tamil Nadu’s women make up
49.9 percent of its total population. The
State is conscious of the fact that expanding
women’s economic opportunities, benefits
both women and society. The benefits include
greater investments in children, reduced
poverty and inspiration to the next
generation of girls and women to make a
lasting impact on the society and its
economy.

Empowerment is a process of
increasing the capacity of individuals or
group to make choices and to transform

5
those choices into desired actions and
outcomes. Tamil Nadu has been at the
forefront of developing farsighted policies for
empowerment of women. One such example,
is gender equality in property rights which
was enacted as early as 1989 in the state
which was based on a resolution passed in a
Self-Respect Movement Conference held in
the State, way back in 1929.

Due to many years of pioneering socio-

economic policies in the field of education,
employment, critical infrastructure, social
security schemes and welfare measures
combined with increased industrialization, the
women of Tamil Nadu are considered among
the most empowered in the country.

The Self-Help Group movement started

in 1989 by the then Chief Minister
Thiru.M.Karunanithi is another major step in
women’s empowerment. SHG movement
6
became a catalyst for inclusive women
empowerment aimed towards poverty
alleviation, social transformation, socio-
economic empowerment and financial
inclusion of women.

Not only women, the poor and

marginalised were specifically targeted
through community mobilization, self-
employment and group activities for income
generation which have graduated into micro
enterprises and clusters supporting lives and
livelihoods of more than 50 Lakh women.

Today, Tamil Nadu Corporation for

Development of Women is anchoring Rural
and Urban livelihood Missions and World
Bank assisted Vazhndu Kattuvom Project.
These programmes are strongly entrenched
in the concept of community driven
development focusing on building institutions

7
of poor, creating social capital and ensuring
sustainable livelihoods.

Ensuring last mile delivery of services

for improving the socio-economic status of
the poor, marginalized and vulnerable
women and their families is the primary focus
of these Projects. The community-based
institutions and network of community
professionals created by these projects are
acting as channels for targeting the poor for
scheme benefits and delivering Government
services.

TNCDW also plays a vital role in

strengthening the capacity of SHGs and
federating them at Panchayat, Block and
District level. The focus is on strengthening
individual and group enterprises, aggregation
of SHG products, value addition,
standardisation and branding for realization
of better commercial value by providing
8
online and offline platforms for SHG products
to reach local as well as distant markets.

In addition to the above, TNCDW is

also tasked with the responsibility of building
skills and capabilities of the youth from poor
families in rural and urban areas for
enhancing employability and provide
opportunities for wage-employment and self-
employment.

Achieving Sustainable Development

Goals (SDGs) of the United Nations relating
to poverty alleviation, creating a hunger-free
society, ensuring good health and well-being,
promoting gender equality, facilitating
economic growth, reducing inequality are all
related to the poverty alleviation, livelihood
promotion and other schemes implemented
by TNCDW in partnership and convergence
with other departments. TNCDW is taking all
efforts to not only ensure sustainable
9
incomes for the target poor and marginalised
sections of society through livelihood
programmes but also converge all
entitlements and scheme benefits to enhance
their quality of life.

The three programmes for Poverty

alleviation and livelihood promotion not only
work in close co-ordination with each other
but also with other departments in the state
through convergence of scheme components,
Human resource and funds for improving the
lives and livelihoods of rural and urban poor
and delivering on the goals of poverty-free
Tamil Nadu.

10
 2. TAMIL NADU
CORPORATION FOR
DEVELOPMENT OF
WOMEN (TNCDW)

11
12
2.1 History of TNCDW

The Government of Tamil Nadu was

one of the pioneering states to have a
separate organization for economic
development of Women and registered
under the companies act as Tamil Nadu
Corporation for Development of Women
(DeW) and incorporated on 9th December
1983.
Tamil Nadu Corporation for Development
of Women (TNCDW) was established with the
primary objective of social and economic
empowerment of women through education,
employment, economic development and
self-reliance.

TNCDW was under the administrative

control of Social Welfare Department from
inception till 2006. In July 2006, the
Corporation was brought under the
administrative control of Rural
13
Development and Panchayat Raj
Department in order to bring about greater
synergy and better co-ordination in
implementing various schemes for Self-
Help Groups and effective convergence at
the grass root level with Panchayati Raj
Institutions.
The Tamil Nadu Corporation for
Development of Women nurtured the Self-
Help Group (SHG) movement for overall
development of women by instilling a sense
of bonding, confidence and self-reliance
through Community based organisations
(CBOs) like Panchayat Level Federations
(PLFs) and Block Level Federations (BLFs).

The Tamil Nadu Corporation for

Development of Women is an umbrella
organisation anchoring various poverty
alleviation and livelihood missions working

14
for the improvement of poor, marginalised
and vulnerable in both rural and urban areas.

2.2. Organisational Structure

Tamil Nadu Corporation for

Development of Women is registered under
the Companies Act, 2013 and the Principal
Secretary to Government, Rural Development
and Panchayat Raj Department is the
Chairperson of the Board. The Managing
Director as the functional head of the
organization steers the Corporation and is
ably assisted by the Executive Director,
Additional Directors as heads of thematic
verticals and supported by Joint Directors,
Assistant Directors, Corporation staff and
other Project staff at the State Office. Subject
experts are brought on board as consultants
to provide thematic inputs for financial

15
inclusion, agriculture and enterprise
promotion.

At the District level, the District Mission

Management Unit (DMMU) is headed by the
Project Director (TNSRLM), who is a Joint
Director level officer. The Project Director is
assisted by the Assistant Project Officers for
each thematic area, who co-ordinate field
level activities in the district.

In rural areas, at the Block Level, the

Block Mission Manager heads the Block
Mission Management Unit (BMMU) who is
supported by the Block Co-ordinators for
each thematic area of Scheme
implementation. Similarly, in urban areas,
the Community Organizers (CO), one per
every 3,000 target poor households is
assigned to monitor the implementation of
the programme components.

16
 At Village Panchayat level, there are
Community Resource Persons (CRP) in all
thematic areas for implementation of field
activities such as Community SHG Trainers
(CST), Community Bank Co-ordinators
(CBC), Community Resource Persons (CRP) –
Farm & Non-Farm, Community Resource
Persons (P&C) and Community Professionals
(CP)–Jobs. Similarly, Community Resource
Persons (CRP) are available at urban local
bodies for every 600 target poor households.

17
18
3. SHG MOVEMENT
AND MAHALIR
THITTAM

19
20
3.1. IFAD Project

The rural development programmes

implemented in the early 1980’s did not include
women as a specific target group. The
Development of Women and Children in Rural
areas programme focused on financial
assistance to women groups for the first time.
But, still a holistic approach for the development
of women, extending beyond economic
upliftment was required, as it was found that
there is no automatic linkage between economic
activity and social advancement. This was the
context in which IFAD Project emerged.

DeW entered into an agreement with

International Fund for Agricultural Development
(IFAD) to establish a new approach within the
frame of government programme which will
focus on total development of women and not
just economic upliftment.

21
 With the support of IFAD, an alternate
strategy of development which creates a
democratic, egalitarian, co-operative social
structure through Self-help groups was
envisaged. Originally IFAD project was
formulated as agriculture and land -
development project, it evolved into a
movement for economic empowerment of
women, through formation and nurturing of
Self-Help Groups with the help of Non-
Governmental Organizations.

The new SHG approach was first started

in Dharmapuri district and was later extended to
the erstwhile Salem and South Arcot districts in
the year 1991-92. It was further extended to
Madurai and Ramanathapuram districts in the
year 1992-93.

Financial credit to the tune of over Rs.80

Crore was extended to 1,20,960 women in
5,207 Self Help Groups during a period of 9
22
years. The project officially ended on
31.12.1998 and had delivered beyond the
stated objectives of land development in
agrarian economy and paving the way for
women’s empowerment through the SHG
movement in Tamil Nadu.

3.2. Mahalir Thittam

With the success of the IFAD project,

the foundation was laid to reach the poorest
and most disadvantaged women below the
poverty line through the Self-Help Groups.
The State was convinced about this strategy
and the Visionary leader Kalaignar M.
Karunanidhi who was the Chief Minister in
1997 launched “Mahalir Thittam” as a fully
funded State Scheme. The project was
implemented in a phased manner and
covered all rural districts including Chennai,
being fully urbanized, became the last district

23
to be covered under the Mahalir Thittam in
2000.

Mahalir Thittam was implemented by

Tamil Nadu Corporation for Development of
Women in partnership with Non-
Governmental Organizations (NGOs) and
Banks through formation of SHGs from
among women, who voluntarily came
together and took up savings and thrift.
TNCDW took concerted efforts to create
awareness and build their capacity to
overcome economic hurdles and social
barriers to realize their potential and become
agents of change.

Based on the success of the decade-

long SHG movement in Tamil Nadu and other
states, the Union Government had launched
the Swarnajayanthi Gram Swarozgar Yojana
(SGSY), a Centrally Sponsored Scheme
across the country in 1999, to effectively
24
implement activities for rural poverty
alleviation and economic empowerment.

With continuous nurturing of the SHG

movement in the State, currently, under
TNCDW, a total of 4.48 Lakh active SHGs are
in rural and urban areas.

25
26
4. LIVELIHOOD
MISSIONS UNDER
TNCDW

27
28
4. Livelihood Missions under TNCDW

Inclusive socio-economic development

with focus on addressing poverty is a priority
for the State and Union Government. TNCDW
has been given the mandate for the socio-
economic and political empowerment of
women and implementing poverty alleviation
and livelihood promotion programmes.

The various schemes implemented by

Tamil Nadu Corporation for Development of
Women are:

1. Tamil Nadu State Rural Livelihoods

Mission (TNSRLM)
2. National Rural Economic
Transformation Project (NRETP)
3. Deen Dayal Upadhyaya Grameen
Kaushalya Yojana (DDU-GKY)
4. Tamil Nadu Urban Livelihoods
Mission (TNULM)

29
4.1 Tamil Nadu State Rural Livelihoods
Mission (TNSRLM)

The Tamil Nadu State Rural Livelihood

Mission is a poverty alleviation programme
implemented in the State to build strong and
vibrant institutional platforms of the poor in
rural areas so as to increase their household
incomes through livelihood enhancements
and access to financial and other services.
The Deendayal Antyodaya Yojana – National
Rural Livelihood Mission (DAY-NRLM)
programme of the Union Government is
implemented as TNSRLM with a fund sharing
ratio of 60:40 between the Union and State
Governments. It is implemented in all Blocks
of the State.

30
4.2. National Rural Economic
Transformation Project (NRETP)

The NRETP is supported by World Bank

which provides assistance to Government of
India to take up pilot projects for testing
proof on concept in Livelihood and enterprise
promotion activities and is implemented in 20
Blocks in
5 Districts of the State. It aims at providing
pro-poor investments along with provision of
technical assistance for strengthening
community-based higher-order
organizations. This Project is being
implemented from 2019 and is funded by
Union and State Governments in the ratio of
60:40.

31
4.3. Deen Dayal Upadhyaya Grameen
Kaushalya Yojana (DDU-GKY)
The DDU-GKY is a placement linked
skill training programme funded by the Union
and the State Government in the ratio of
60:40. The Programme ensures a minimum
of 70% placement for wage employment to
trainees on successful completion of skill
training and with NSQF certification.
4.4. Tamil Nadu Urban Livelihoods Mission
(TNULM)
Tamil Nadu Urban Livelihoods Mission
(TNULM) targets to reduce poverty and
vulnerability of the urban poor by building
strong community-based organizations,
providing skilling and access to bank credit
with interest subvention for consumption and
enterprise development purposes. TNULM is
being implemented in the fund sharing ratio
of 60:40 between the Union and the State
Governments.
32
5. TAMIL NADU STATE
RURAL
LIVELIHOODS
MISSION (TNSRLM)

33
34
5. Tamil Nadu State Rural Livelihoods
Mission (TNSRLM)

In the year 2012, as part of NRLM

Scheme of Government of India, the Tamil
Nadu State Rural Livelihood Mission is being
implemented by the Government of Tamil
Nadu. The primary objective of this Mission is
to reduce poverty by enabling poor
households to engage in gainful self-
employment and skilled wage employment
through livelihood interventions and
facilitating access to financial and other
services. For this, the key is to build strong
and vibrant institutional platforms of the poor
and organize them into active Community
Based Organizations for providing sustainable
livelihood opportunities.

35
5.1. SHGs under TNSRLM

Before the advent of TNSRLM, SHGs

were promoted under Mahalir Thittam, a
state government programme and World
Bank assisted Vazhndhu Kattuvom Project.
TNSRLM is being implemented on the core
principles and strategies adopted by the
Vazhndhu Kattuvom Project. The aim of the
Mission is to reach the target poor
households through creating institutions of
the poor in the form of SHGs, PLFs etc., with
a mandate to make livelihood interventions
through DAY-NRLM scheme components and
bank linkage for providing sustainable
income.

Through the Participatory Identification

of poor (PIP) methodology evolved during the
World Bank assisted VKP, the poor in rural
areas were identified and new SHGs were
formed with women from those households.
36
Since 2014-15, 1.65 Lakh SHGs have been
formed under TNSRLM from among the
target poor in rural areas.

Table 1

Sl.
Year No. of SHGs
No.
1. 2014-15 11,328
2. 2015-16 9,482
3. 2016-17* 42,724
4. 2017-18 9,338
5. 2018-19 8,774
6. 2019-20 13,510
7. 2020-21 24,456
8. 2021-22 16,519
9. 2022-23 29,052
Total 1,65,183

* Including VKP. (The Vazhndhu Kattuvom Project was

implemented in 70 Blocks from 2005–11 and extended
to 50 Blocks from 2011–17. SHGs formed in these
37
blocks were brought under the TNSRLM fold on the
completion of the VKP in 2017)

Apart from the SHGs formed under

TNSRLM, 1,53,392 SHGs formed earlier
under the Mahalir Thittam have been revived
and currently under TNSRLM there are 3.18
Lakh Rural SHGs with 36.25 Lakh members.
Activities under TNSRLM
The objective of TNSRLM is to increase
the household income of the poor through
livelihood enhancement and access to
financial and other services which is sought
to be achieved through the following
activities:

Social Capacity
Mobilisation & Building & Partnership &
Convergence
Institution Training
Building

Livelihood
Financial Promotion and Skill Training
Inclusion Marketing

38
5.2 Social Mobilization and Institution
Building (SM&IB)

Social Mobilization ensures that eligible

women are identified and enrolled into Self
Help Groups and that they are nurtured as
institutions of the poor by inculcating
financial discipline and democratic decision
making. They follow the
5 core principles i.e., regular meetings,
regular savings, regular internal lending,
regular internal repayment and maintenance
of books of accounts.

Formation of Self-Help Groups (SHGs)

TNSRLM adopts the Participatory

Identification of Poor (PIP) process to identify
Very Poor, Poor, Differently-abled,
Vulnerable, Tribal and other Marginalized
communities and women from left-out target

39
households into the SHG fold by inclusion
into existing SHGs or formation of new SHGs.

The Animators and Representatives of

the SHGs are trained on Key aspects of
Governance and Financial management
including collective decision making and
availing bank credit for economic activities.

During the year 2022-23, 29,052 new

SHGs were formed under TNSRLM. All SHGs
have been provided with financial assistance
such as Revolving Fund, Community
Investment Fund (CIF) and / or Bank
Linkages to enable them to take up economic
activities.

Community Based Organisations (CBOs)

The successful implementation of the

Mission components is dependent on the
Community Based Organizations like PLF,
VPRC, BLF, CPLTC (Community Professional
40
Learning cum Training Centre) which act as
pillars of strength for achieving the
objectives.
Panchayat Level Federation (PLF)
PLFs have been formed at the
Panchayat level and all the SHGs therein are
being federated under the PLF, which is
registered under the Tamil Nadu Societies
Registration Act, 1975. PLFs act as an
important link between the project and the
village community and its key function is to
facilitate low-cost loans and Government
scheme benefits.
There are 4 thematic Sub Committees
under the PLF. They are:

1. SHG formation and strengthening.

2. Credit linkage and monitoring.

3. Livelihood Promotion.

4. Social issues.

41
Village Poverty Reduction Committee
(VPRC)
VPRC is an inclusive and autonomous
body of target poor and vulnerable people.
The Committee has 11 to 19 members and
plays a critical role in identifying the target
households and provide financial assistance
to mitigate vulnerabilities. The Village
Panchayat President is the ex-officio
Chairperson of this committee.
So far, 12,734 VPRCs (including 472
tribal VPRCs) have been formed in the
project area covering all 388 blocks.

Social Audit Committee (SAC)

The SAC is constituted from the
General Body and consists of 5 members who
monitor the activities of VPRC & PLFs in all
Village Panchayats. SAC submits the report
on the activities of VPRC & PLFs to the Grama
Sabha.

42
Block Level Federations (BLFs)

The Block Level Federation is a

registered body created in all 388 Blocks with
the representatives of Panchayat Level
Federation and VPRC as its members. BLFs
perform similar functions like the PLF at the
block level apart from acting as a block level
training centre for capacity building using the
services of Community Resource Persons
(CRPs). The Capacity Building of Block Level
federations has been embarked upon during
the current year.

Capacity Building

Social capital is one of the biggest

assets for sustainability of community
development Programmes. It is achieved
through strengthening the ability and
improving capability of the SHG members
and their leaders heading the federations.

43
Tamil Nadu State Rural Livelihood Mission,
through a pool of resource persons at the
State, District and Block level imparts
training to Project staff and CBOs on various
project themes.

Table 2
S.
Themes Clientele
No.
Institution Community SHG
Building & Trainers (CSTs) / BC
Capacity (IBCB) / APO (IBCB)
1
Building
Training to SHG member, Animator &
representatives and CBOs
Financial Community Bank
Inclusion Co-ordinator (CBC) /

2 BC (FI) / APO (FI)

Training on Financial inclusion and

Enterprise Finance

44
 Livelihood Community Resource
Promotion Person (Farm / Non-
Farm) / BC(LP) / APO
3
(LP)
Farm / Non-Farm livelihood,
Enterprise Promotion, Marketing
Partnership & Community Resource
Convergence Person (P&C) / BC
(P&C) / APO (P&C/MIS)
4
Training on FNHW, Gender, SISD, PRI-
CBO Convergence, MIS- M&E, VPRP,
etc.
Skill Training Community
Professional (Jobs) / BC
5 (S&P) / APO (S&P)
Kaushal Panjee App and other modules
on skilling
During the year 2022-23, training has
been imparted to 10,000 SHGs at a cost of
Rs. 3.00 Crore.

45
Community Resource Persons
Community Resource Persons have
been developed from among the SHG
members and are engaged at the village level
or group of villages in the following activities:
i) Community SHG Trainers (CSTs)
Assist in formation and monitoring
of Self Help Groups.
ii) Community Bank Co-ordinators (CBCs)
Co-ordinate with the banks to
facilitate availing of SHG loans.
iii) Community Resource Person (Farm)
Assist in farm activities of SHG
women
iv) Community Resource Person
(Enterprise Promotion)
Assist in promotion of enterprises of
SHG women
v) Community Professionals (Job)
Identification and mobilization of
youth for skill training
46
 vi) Community Resource Person
(Partnership and Convergence)
Assist SHG members to gain access
to benefits from various Government
schemes.

Financial Support to SHGs

TNSRLM provides various financial
assistance to the SHGs like:

a. Revolving Fund (RF) to SHGs

A sum of Rs. 15,000/- is being

provided to the SHGs after 3 months of
formation and grading. It is given as a means
of encouragement and to supplement their
internal savings, augment their corpus and to
enable members to avail internal loans.

During 2022-23, Revolving Fund has

been provided to 11,228 SHGs to the tune of
Rs.16.93 Crore.

47
b. Community Investment Fund (CIF)

It is given to SHGs after 6 months, as a

loan for supporting their economic activities.
The loan amount up to a maximum of
Rs.1.50 Lakh per SHG is provided at a lower
rate of interest through the PLFs. After
utilization of the CIF for economic activity by
the SHGs, it is recuperated back to the PLF
for further lending to other SHGs in the
Village Panchayat.
During the year 2022-23, Rs.228.66
Crore has been distributed to assist 13,230
SHGs.

c. Vulnerability Reduction Fund (VRF)

It is given to Vulnerable and Differently

abled for food security, livelihood activities
and unexpected expenditure (like illness and
hospitalization). A maximum of Rs. 25,000/-
is provided as a loan at a lower rate of

48
interest. VPRC ensures utilization, repayment
and rotation of VRF.

Table 3
Details of Achievements
From 2014 -15 to 2022-23
S. Number /
Details
No. Amount
No. of SHGs 3.18 Lakhs
1
No. of SHG Members 36.25 Lakhs
Revolving Fund (RF) @ Rs.15,000/-
Per SHG
2
No. of SHGs 1,07,381
RF Amount 161.06 Crore
Community Investment Fund (CIF)
Maximum of Rs.1,50,000/-Per SHG
3
No. of SHGs 1,53,180

Amount 976.50 Crore

49
 Vulnerability Reduction Fund (VRF)
@
Rs.10,000 to Rs.25,000/-Per
4
individual
No. of Individuals 1,62,911
Amount 172.47 Crore
Community Based Organisations –
Rural
No. of Panchayat Level
5 12,524
Federation (PLFs)
No. of Block Level
388
Federations (BLFs)

5.3 Financial Inclusion and Access to

Bank Credit

TNCDW aims at promoting financial

inclusion and delivering financial services to
the poor through financial literacy, opening of
bank accounts, facilitating access to bank
credit and provision of insurance and pension
services.
50
Financial literacy

Financial Literacy is one of the

important strategies to spread awareness,
build capacity and bridge the information
asymmetry by facilitating accessibility to
various financial products & services for SHG
Women, poor and vulnerable households. The
Mission is committed to enhancing financial
literacy and ensuring greater access of target
poor to scheme grants, interest subvention
and bank credit.

The following six modules are covered

under the Financial Literacy Camps:

i. Financial Planning: Life cycle event,

needs, wants, etc.,

ii. Savings: where to save, how to save,

activating individual saving bank
account, transaction through
individual savings bank account etc.,
51
 iii. Credit: About Bank Loan, its
effective use, awareness on NPA,
etc.,

iv. Spreading Insurance literacy:

Facilitate enrollment in various Union
and State Government insurance
schemes.

v. Pension: Need for long term financial

planning, facilitating access to
various pension schemes.

vi. Digital Finance: Promoting cash-

less system and door-step delivery of
financial services delivery through
Banking Correspondent and other
channels.

So far, 2,886 Financial Literacy

Community Resource Persons (FLCRPs) have
been trained and provided with a training tool
kit in tamil containing flip charts, trainers
52
hand book, printed materials, etc., to explain
the concepts of various financial products to
SHG members. The FLCRPs have conducted
4,420 number of camps and 2.21 Lakh SHG
members have been trained.

SHG-Bank Linkage Programme

Right to credit is ensured through easy

access, adequate credit, timely disbursement
at an affordable interest rate.
Financial inclusion among rural poor
through SHG - Bank Linkage Programme
(SHG-BLP) is one of the key responsibilities
of TNCDW.
SHGs can avail Term Loan or Cash
Credit Limit (CCL) or both based on the need
of the SHGs. Term Loan is repayable in fixed
instalments and Cash Credit Limit (CCL) is an
operative limit sanctioned with a minimum of
Rs.6 Lakh for a period of 3 years with annual
Drawing Power (DP).
53
 Credit Guarantee Fund for Micro Units
(CGFMU) loan scheme is available to matured
SHGs having credit needs above Rs.10 Lakh
and up to Rs.20 Lakh.

In addition, PLFs are promoted as

financial intermediaries and provided with
Bulk Loan to prevent the SHGs from falling
prey to private money lenders.

During 2022-23, 2,493 PLFs have

received Bulk loan to the tune of
Rs. 1,149.89 Crore.

During 2021-22, as against a target of

Rs.20,000 Crore set for SHG–BLP, the State
achieved Rs.21,392.52 Crore.

During 2022-23, as against a target of

Rs.25,000 Crore set for SHG–BLP, the State
achieved Rs.25,022.19 Crore. The average
loan size per SHG is Rs.5.68 Lakh and

54
4,39,349 SHGs have received credit this
year.

Interest Subvention to SHGs

The Interest Subvention Scheme (ISS)

is limited to women SHGs in rural areas in
the following pattern.

 For loans up to Rs.3.00 Lakh -

Banks including RRBs and Co-
operative banks extend credit at
concessional rate of interest @ 7%
per annum.
 For loans above Rs.3 Lakh and up to
Rs.5 Lakh – Banks including RRBs
and Co-operative banks extend
credit at 10% per annum (or one-
year MCLR, whichever is lower).

So far, Interest Subvention has been

extended to the tune of Rs.186.84 Crore to
11,39,861 SHGs.
55
Community Based Recovery Mechanism

Community Based Recovery Mechanism

(CBRM) helps both the SHG and the Bank to
monitor timely repayment and recovery of
Non-Performing Assets (NPA). CBRM
committee is formed in all Bank branches
with Branch Manager, Officials of TNSRLM,
PLF and SHG.

During 2022-23, the committee has

facilitated the conduct of 3,414 NPA recovery
camps and has been instrumental in
recovering Rs.18.38 Crore.

Insurance and Pension Schemes

SHG Households are most vulnerable to

risks and therefore a greater need to cover
them under Insurance and Pension schemes
of the Union and State Governments.

56
 So far, 24.40 Lakh SHG members and
29.05 Lakh SHG members are covered under
PMJJBY and PMSBY respectively. The
Community Bank Co-ordinators (CBC) are
incentivised to follow up on claims in case of
death / accident for eligible members. The
women engaged in the unorganized sector
are enrolled under Atal Pension Yojana (APY).
So far, 14,688 eligible SHG members have
been covered under the APY scheme.

5.4 Social Interventions through

Partnership & Convergence

TNSRLM has an inbuilt mechanism for

enhancing convergence of services and
benefits from various Government
Departments and its schemes. The
Convergence efforts are more focussed
towards achieving the Sustainable
Development Goals (SDGs).

57
 The four components under Partnership
and Convergence activities are:

A. Social Inclusion and Social

Development

Efforts are taken to identify and

mobilize left out vulnerable and marginalized
households. Special SHGs are formed with
Elders, Differently abled, Particularly
Vulnerable Tribal Groups (PVTGs), Scheduled
Tribes (STs) and other vulnerable.

To identify the special needs of Elderly,

Differently-abled and Transgender persons,
need assessment camps are being conducted
at the block level and scheme benefits of
Government programmes are facilitated for
the marginalized and vulnerable households.

58
B. Food, Nutrition, Health & WASH
(FNHW)

The importance of health, nutrition and

sanitation for a productive and good quality
of life is emphasised in the FNHW-Food,
Nutrition, Health and WASH (Water,
Sanitation & Hygiene) component. The prime
objectives of FNHW are:

1. To sensitize on the importance of

Food and Nutrition for good health
and well-being.

2. To facilitate pregnant women,

adolescent girls and children to
access services and entitlements.

3. To bring about behavioural change

for improving Food, Nutrition, Health
and WASH practices.

The following activities are undertaken under

FNHW:
59
1. Food Festival: Food festivals have been
held to promote and revive the traditional
food habits in all 12,525 Village Panchayats.

2. Nutri-enterprises: Nutri-enterprises are

promoted through SHGs to provide affordable
healthy food to anaemic women and children
who are stunted and underweight.

3. Kitchen Nutri-Gardens: Food insecure

households in 3000 Village Panchayats were
identified and kitchen nutri-gardens were
provided to the anaemic households.

Convergence Activities undertaken in

2022-23:

1. Makkalai Thedi Maruthuvam (MTM):

The MTM programme is implemented

by the Health and Family Welfare
Department under National Health Mission to
conduct screening for Non-Communicable

60
Diseases by engaging Women from Self Help
Groups as Women Health Volunteers (WHV).
There are 8,713 and 2,256 Women Health
Volunteers attached with Health Sub-Centres
(HSC) in rural and urban areas respectively.
The Women Health Volunteers screen the
patients for NCD, provide counselling and
also deliver medicines to the chronic patients
at door step.

2. Chief Minister’s Breakfast Scheme

(CMBFS):

The CMBFS program piloted for primary

school children is being implemented by the
Social Welfare and Women Empowerment
Department in partnership with Tamil Nadu
Corporation for Development in Government
schools. SHG women are directly involved in
the implementation of the Programme in the
rural areas. Nutritious breakfast is prepared
by SHG women, identified by the Village level
61
core Committee and trained by professional
chefs for cooking breakfast. The SHG cook
who is in-charge of the centre uploads the
data on breakfast cooked and served details
daily in the mobile application. Currently, the
programme is being implemented in 963
schools of 16 Districts in rural areas.

3. Poshan Maah and Poshan Pakhwada:

In Convergence with Social Welfare and

Women Empowerment Department,
SHGs/PLFs participated in the Poshan Maah
and Poshan Pakhwada campaigns
conducted in March 2022 and September
2022 for the creation of awareness on
anaemia, stunting, wasting, and the
importance on consumption of Nutritious food
by children, pregnant women and adolescent
girls.

62
4. “Namma Ooru Superu” Campaign:
“Namma Ooru Superu” Campaign was
launched in the State from 20th August to
2nd October, 2022 to undertake various
activities for creating clean and Green
villages. The SHG/PLF women along with
Panchayat Raj Representatives created
awareness among SHG women, Children and
General Public on importance of behaviour
change for making the Villages Clean and
green. SHG women played a key role in the
campaign by taking up cleaning of
Anganwadis, schools, Village Panchayat
Service Centres (VPSC) and taking up tree
planting activities.
C. Gender interventions
Various gender interventions are
implemented in the State to prevent Child
Marriage, Domestic Violence against women,
Sexual Abuse, etc. One Gender Point Person
(GPP) has been nominated in each SHG.
63
Community Resource Persons and Block
Resource Persons are engaged at Panchayat
and Block respectively to co-ordinate and
monitor gender related activities. Apart from
this, 5,718 Social Action Committees in the
Panchayat Level Federations and 180 Block
Level Gender Forums have been formed to
address gender issues.

Campaign against Gender Based

Violence

For elimination of violence against

women and children, a month-long campaign
was organized in commemoration of
International Day for Elimination of Violence
against Women till
23rd December 2022. The Gender based
Violence Campaign was conducted across the
State through various activities such as
solidarity rallies, screening of short films &
movies, debates on women rights, special
64
campaign in schools, colleges throughout the
month.

D. PRI - CBO Convergence

Panchayat Raj Institutions at the

Village and Block level play an important role
in the selection of beneficiaries and
implementation of various Government
schemes. In order to achieve the goals of
Social Inclusion and Social Development of
target poor and vulnerable sections,
convergence of TNSRLM activities with
Panchayat Raj Institutions, is achieved
through community-based Organizations like
Panchayat Level Federations and Village
Poverty Reduction Committees.

Village Poverty Reduction Plan

In PRI-CBO Convergence initiative, all
SHGs and their federations have been
mandated to prepare Village Poverty

65
Reduction Plan (VPRP) under four
components:
1) Entitlement Plan
2) Livelihood Plan
3) Public goods and Services Plan
4) Social Development Plan
In the year 2022-23, VPRPs prepared for
all 12,524 Village Panchayats have been
incorporated into the Gram Panchayat
Development Plans (GPDPs) and approved by
the Gram Sabha.

5.5 Livelihood Promotion

The main objective of livelihood

promotion is to provide every rural SHG
household a minimum of two or more income
generation activities to ensure regular
income from a sustainable livelihood.
Further, it aims at reducing poverty and
inequality by doubling the annual income of

66
every SHG household through these
activities.

The livelihood interventions undertaken

under the Programme are broadly classified
into:

i) Farm activities
ii) Non-Farm activities
iii) Marketing activities

A. Farm Livelihood activities and

Interventions

Farm and off-farm activities places

special emphasis on crop production, primary
processing and value chain management.
The profile of the SHG women farmer has
changed from farm labourer to farmer to
agri-entrepreneur at a very fast pace as a
result of the interventions undertaken

67
through the livelihood promotion activities
under the Mission.
So far, 2,84,613 women have received
support through various farm livelihoods
interventions which has improved their
income and empowered them.
Coverage of area under Farm Livelihoods
activities
Phase wise expansion of Farm
Livelihoods under TNSRLM is given in Table
below.
Table 4
Year District Block
2016-17 7 7
2017-18 10 15
2018-19 9 29
2019-20 30 65
2020-21 25 29
2021-22 36 49
2022-23 26 47
Total 241*

68
*Out of the 388 Blocks, 241 have been taken up under
TNSRLM in various years, 120 are VKP blocks, 20
NRETP Blocks and 7 are urbanized blocks in rural
areas.

Both farm and off-farm livelihood

interventions have been taken up in these
blocks by providing training on latest
technology and practices and promotion of
group activity to increase production and
quality to get better prices. These
interventions are promoted in convergence
with Kalaignarin All Village Integrated
Agriculture Development Programme
(KAVIADP), the Flagship Programme of
Department of Agriculture and Farmers
Welfare launched to improve production and
productivity in fallow lands through cluster
approach.

69
Producer Groups

Producer Groups are formed with

farmers who grow same crops and face
similar opportunities and risks. They are
aggregated to improve their productivity and
profitability and provided a start-up fund of
Rs.2 Lakh for working capital and
infrastructure support. They are also exposed
to new farming technologies and best
practices including handholding support for
enterprise promotion. Till date, 11,597
Producer Groups have been formed in the
State and these PGs are also aggregated for
higher order functioning.

Integrated Farming Clusters

Integrated Farming Cluster is promoted

with the objective of enhancing synergy
between farm and off-farm activities by
aligning crop-based farming practices along

70
with livestock promotion thereby providing
multiple income generation opportunities and
also reducing the cost of inputs through bio-
manure produced from integrated activities.

Around 250 women farmers from 2 to 3

village panchayats are formed into clusters.
Rs.20 Lakh per cluster is provided for
establishment of Livelihood Service Centre,
procurement of livestock, practicing inter
cropping, establishment of bio input units,
setting up of Custom Hiring Centres and
training on branding and marketing.

Till now, 185 clusters have been

established (171 nos. under TNSRLM & 14
nos. under NRETP) to reap the benefits of
integrated approach.

Natural Farming Clusters

Traditional farming using Natural

products without chemicals and farming
71
practices suited to the agro-ecological
condition is sought to be revived to protect
the environment through the formation of
Natural Farming clusters. A sum of Rs.6 Lakh
will be provided to these clusters, i.e., for a
group of 50 farmers from adjoining villages
for capacity building, registration and
certification, setting up of organic input shop.
Integrated Farming System will also be
promoted to produce High Value natural
produce with less impact on environment.

So far, 212 natural farming clusters

have been formed under TNSRLM. The
Natural Farming Clusters will be fine-tuned
and facilitated to get the benefits under the
newly launched ‘Tamil Nadu Organic Farming
Policy, 2023’.

72
Convergence with KAVIADP (2022-23)

 Panchayat Level Federations are acting

as the PIA under MGNREGS and have
set up 3500 Moringa Nurseries, 1500
Horticulture Nurseries and 37 Block
Nurseries.
 Women Farmers have taken up 10 Pig-
rearing units, 14,720 Poultry units,
2,944 goat-rearing units through
Integrated Farming Cluster.
 Non-Pesticide and bio-input Shops are
set up at Block level in 47 Block
Headquarters by trained SHG
members.
 Fodder cultivation taken up in 250
acres for augmenting green fodder and
promote Livestock rearing.
 Training was given to SHG members
from 1,472 Panchayats on Ethno-
veterinary practices and assisted to

73
 start 7,360 Azolla units for providing
protein rich feed for cattle and poultry.
 More Women are engaged in farming
activities, 736 women-friendly tool
banks were set up for promoting ease
of work and reduce drudgery.
 To take up aggregation, sorting and
value addition in Moringa, the mission
has supported 50 clusters with 1,300
women farmers.
 Millet cultivation was given a fillip by
cultivation of 200 acres of dry land in
12 Millet-intensive districts by forming
100 Producer Groups with 800 women
farmers.
 Mushroom cultivation and value
addition have been taken up in 94 units
by 500 women members across 46
clusters.
 Apiculture (bee rearing) both as a
livelihood activity and to promote
74
 pollination of crops has been taken up
in 47 clusters. Training and facilitation
provided to 2,350 women.

International Year of Millets – 2023

The year 2023 is declared as the

International Year of Millets. The State is an
important player in the cultivation of both
major and minor millets. Millets are
recognized around the world as ‘nutri-
cereals’, which are power house of nutrients
especially micro nutrients. Tamil Nadu Rural
Livelihood Mission will use this opportunity to
revive the cultivation of millets with a focus
on enhancing the production and productivity
in convergence with Agriculture Department,
promoting processing and value addition of
millets, marketing millet products and
sensitizing the consumers on the health
benefits of eating millet-based foods. The

75
IYM will be celebrated with the theme of
‘Women and Millets’.

In this connection, seminars and

workshops will be conducted for all
stakeholders and SHG women at the State,
District, Block and Panchayat levels to create
awareness on the benefits of millets, to make
available millet products through exhibitions,
sale of local millet foods in public places,
sensitize school children and college students
through campaigns and College bazaars
@Kalloori Santhai, organizing live kitchens at
the prominent tourist places in the State.

B. Non-Farm Livelihood Activities

Farming activities are dependent on

rainfall and are seasonal activities and
farmers suffer crop losses due to uncertain
monsoon. To ensure regular income and
enhance their income rural poor are

76
supported to take up multiple non-farm
based enterprises for augmenting their
income.

Non-farm interventions include

activities under both manufacturing and
service sector. They are:

1. Micro Enterprise Development

2. Cluster Development – Artisan &

Sectoral Clusters

Micro Enterprise Development (MED)

Micro Enterprises are promoted by

selecting SHG entrepreneurs and necessary
backward and forward linkages ensured
through handholding support provided by
community cadres. Support is extended for
preparation of business plan, access to
market intelligence, comply with legal and
regulatory laws, obtaining licenses, etc.,

77
Cluster Development

To reduce production costs and

increase profit margins through achieving
economies of scale, the Cluster approach is
promoted to support aggregation of produce,
processing, value addition and market
access. The establishment of common facility
centres will help standardisation of
processing and packaging and the products
can be branded and sold as “MaThi”.

(a) Artisan cluster (Handloom and

Handicrafts)

A group of micro-enterprises within a

geographical area undertaking traditional
activities like handloom and handicrafts are
formed into artisan clusters to help cross-
learning from each other and adopt new
technological interventions within the cluster

78
to improve design, quality and marketing
opportunities.

(b) Sectoral Cluster (Garments, Jute,

etc.,)

A group of micro-enterprises within a

specific geographical area who are engaged
in production of similar products from the
same base material or having similar finished
product are classified as sectoral clusters.
These clusters are supported to tap into new
opportunities by expanding their knowledge
base to design new products and diversify
their product range through creation of a
supportive eco-system.
Support to SHGs under Food Processing
Enterprises

The most common non-farm livelihoods

in which SHG women are engaged in food
production and processing at household level

79
with minimal investment. To improve these
women led micro enterprises in the food
sector, the PMFME scheme supports nano,
micro and small enterprises by providing
seed capital up to Rs.40,000/-. SHGs
promoted under TNSRLM are facilitated to get
support from PMFME scheme.

During the year 2022-23, 5,359

number of SHGs beneficiaries were benefitted
under the scheme to tune of Rs. 96.13 Crore.

C. Marketing of SHG Products

Rural Women SHGs produce various
Products which have limited sale in local
market, but have a great demand in urban
areas. Several steps have been taken to
promote marketing of SHG products through
market intelligence and survey, Product
categorisation and cataloguing, improved
packaging and labelling, etc. TNCDW is
organizing exhibitions, upgrading facilities in
80
shopping complexes and setting up Kiosks for
marketing of SHG products.

Gift Hampers have been introduced

with Organic and Eco-friendly products for
sale during Pongal festival. Custom made gift
hampers are prepared for gifting options by
State Supply and Marketing Society (SSMS)
based on request from institutions and
customers.

Renovation of ‘Poomaalai Vaniga

Valagam’

To give better visibility to SHG products

in urban area, the then Hon’ble Chief Minister
Kalaignar M. Karunanidhi mooted the idea of
setting up ‘Poomaalai’ shopping complexes in
prime locations at the District Headquarters.

The Poomaalai Shopping complexes act

as a hub for selling the products from across
the districts. They act as the nodal point for
81
gaining market intelligence, selecting
products for exhibitions across the District,
State and National level.

In 2021-22 and 2022-23, all the

District Poomaalai Complexes have been
taken up for renovation with at a cost of
Rs.6.16 Crore.

Exhibitions and Melas

In order to increase access of SHG

products to markets and showcase them to
prospective buyers, exhibitions are
periodically conducted at State level and in
all Districts.

In the year 2022-23, 124 exhibitions

were organised and 3,511 SHGs participated
in them and products worth Rs.3.65 Crore
was sold.

82
MaTHi Kiosks and E-carts

The demand for SHG products is

increasing in urban areas and tourists
destinations. To promote the sale of SHG
products, kiosks at various places across the
State have been established. E-carts will be
provided to improve sales for women and
Vulnerable persons through greater mobility.

At present, there are 134 kiosks selling

SHG products and a web portal and mobile
app have been designed to digitize sales
transactions. Further, mobile kiosks are
proposed to be launched as e-carts for
promotion and sale of SHG products to reach
more people.

Encouraging E-commerce

In the era of online commerce in the

market economy, there is a need to widen
the scope of marketing beyond boundaries
83
and to reach the consumer directly, an
exclusive e-commerce portal for selling SHG
products is being developed and will be
launched soon.

5.6 Skill Training for Youth

The primary objective of skill training

programme is to enhance the employability
by equipping the youth with skills relevant to
market demand. The focus will be on
identifying the aspirations of the youth, their
capacity and aptitude and providing skill
training, based on requirement of the job
market.

Youth Skill Festivals (YSFs)

The State has a large educated youth

population looking for Jobs, but are not
aware about the skills required for the Jobs
and schemes available for enhancing their
skills. Realising this need, the Government of
84
Tamil Nadu had announced the conduct of
Youth Skill Festival in all the 388 Blocks in
the year 2022-23, to create awareness
among the poor rural youth about the various
skill training programmes implemented by
the Union and State Governments, in
coordination with Tamil Nadu Skill
Development Corporation (TNSDC). These
YSFs enable mobilisation of rural youth and
provide a platform for interaction of Youth
with skill providers and facilitate the Youth to
choose skilling courses based on their
preferences and job potential.
In the year 2022-23, 55,107 youth
have participated in the YSF and enrolled
themselves in various Government Skilling
programmes.

Job Mela

Job Melas are organized to provide

employment opportunities to skilled and
85
educated youth in the private sector by
matching the interest of unemployed youth
with the demand & opportunities in the job
market. Information about participating
institutions, vacancies, eligibility for various
jobs, date and venue of melas are
disseminated to the rural youth in advance
through various media. 36 Job melas were
conducted during the year 2022-23 across
the State and 28,417 youth got placed in
different industries.

Rural Self Employment Training

Institutes (RSETIs)

RSETIs have been established by the

Lead Banks in the districts with a mandate to
train rural youth for self-employment and
promote rural entrepreneurship. RSETIs are
functioning in 30 Districts and efforts are
being taken to establish RSETIs in 6 newly
formed districts. The Ministry of Rural
86
Development (MoRD) provides financial
assistance for building infrastructure and also
reimburses the training cost for the Below
Poverty Line candidates.

During the financial year 2022-23,

26,259 candidates have been trained through
RSETIs and 10,978 have started their own
business through Bank Linkage and self-
financing.

5.7 Awards

Best performing SHGs and CBOs

The Manimegalai Awards were initially

announced in 2006-07 to encourage the
well-functioning SHGs/PLFs and was later
discontinued. The ‘Manimegalai Awards’
were relaunched in 2021-22 because they
were instrumental in motivating the SHGs
and PLFs to strive for better performance.
Awards are given to SHGs, VPRCs, PLFs,
87
BLFs, ALFs and CLFs in order to recognize
and appreciate their contribution in socio-
economic, political and economic
empowerment of women, marginalized and
vulnerable sections of the society. The cash
awards and citations are also distributed to
the best performing CBOs at District level
and State level.
The Manimegalai awards for the year
2021-22 were distributed by Hon’ble Chief
Minister of Tamil Nadu on 29.12.2022 along
with a cash price of Rs.55 Lakh, Trophy and
Citation to 19 SHGs, 5 VPRCs, 5 PLFs, 1 BLF,
2 ALFs and 1 CLF at total cost of Rs.55 Lakh.

Awards to Best Performing Banks

Awards for best performing Banks and

Branches have been instituted by
Government to create a healthy competition
among Banks and motivate Bankers to
extend more financial assistance to SHG
88
members. The Hon’ble Chief Minister of Tamil
Nadu distributed the Best Performing Banks
& Branches awards for the year 2021-22 on
29.12.2022.

Proposed Activities for 2023-24

 ‘MaTHi Siragugal Thozhil Maiyam’ -

Various One stop Facilitation Centers for
business support that has been
established in different names (BRC,
BBRC, OSF) under various schemes
(SVEP, TNSRLM, NRETP and VKP 2.0),
will be brought under common branding
and Standard Operating Procedures
framed for service delivery.
 Village Poverty Reduction Plan (VPRP)
will be integrated with the Gram
Panchayat Development Plan (GPDP)
and implemented through convergence
of schemes with other departments.

89
 A unified Mobile App to act as a single
platform for integrating all existing
multiple standalone Applications &
Portals available in TNCDW will be
launched.

 Two Migration Support Centers will be

established in industrial hubs to provide
facilitation to Migrant youth for better
placement and retention of trained
candidates under DDU-GKY.
 A detailed State Level Skill Gap Study
will be taken up with special focus on
rural areas in order to assess and
quantify the skill demand of the
industries and identify suitable Training
partners for providing industry and
market relevant skill training.

90
6. NATIONAL RURAL
ECONOMIC
TRANSFORMATION
PROJECT (NRETP)

91
92
6. NATIONAL RURAL ECONOMIC
TRANSFORMATION PROJECT (NRETP)

NRETP focuses on implementing higher

order activities such as strengthening of
Block Level Federation, promotion of value
chain development, establishment of
individual and collective enterprises in farm
and non-farm sectors, skill development and
scaling up of alternate models for delivery of
financial services and social development
interventions. World Bank provides funding
to Government of India for NRETP and the
sharing pattern between Union and State is
60:40.

NRETP is being implemented since

2019-20 in 20 Blocks of 5 Districts –
Tiruchirappalli, Thanjavur, Erode, Salem
and Cuddalore.

93
Key initiatives:

 Creation and Strengthening of Model

Block Level Federations, which can be
utilized as immersion sites for other
blocks.
 Development of Community Managed
Training Centre (CMTCs) for capacity
building.
 Training of SHGs & PLFs on digital
transaction and access to financial
services through IMPS, UPI and Bank
PoS machine, etc.
 Women Livelihoods Service Centres have
been formed as a one stop centre for
facilitation and support services for
women, to promote new and expand
existing enterprises.

94
6.1 Model Block Level Federations
(BLFs)
TNSRLM has adopted a focused
approach to strengthen Block Level
Federations (BLF) as Secondary Federation
through the Model BLF strategy. The Project
would build the capacities of BLFs, so that
they can develop as self-reliant and
financially sustainable organisations. These
model BLFs would act as demonstration sites
for building the capacities of other BLFs.
BLFs have to take up visioning exercise for
understanding the requirements of their
members and then design and deliver
appropriate services and products to their
members.
6.2 Digital Transaction
The digital transaction platforms help
the individuals to make or receive payments
electronically. The Project aims to facilitate
training of marginalised and excluded
95
sections of the population to access financial
services through digital mode. Certified SHG
members are engaged as BC Sakhi’s to
promote digital banking services among SHG
members.
6.3 Piloting of Dual Authentication
The Bank accounts of SHGs and
Community Based Organizations (i.e. PLFs,
VPRCs, etc.,) are operated through joint
signatures of the authorized representatives.
They are disabled from withdrawing or
transferring money at the BC points due to
non-availability of a system of verifying the
signature of both the authorized signatories.
However, they could only make deposits in
SHG accounts at BC points. The Project has
piloted a system called "Dual Authentication",
where the Savings Bank accounts of SHGs
are mapped to BC points.

96
 7. DEEN DAYAL
UPADHYAYA
GRAMEEN
KAUSHALYA
YOJANA (DDU-GKY)

97
98
7. Deen Dayal Upadhyaya Grameen
Kaushalya Yojana (DDU-GKY)

DDU-GKY is a skill development

programme for rural youth from families
Below Poverty Line and is implemented by
the Union and State Government in the fund
sharing ratio of 60:40.

Rural youth in the age group of 18 to

35 years are imparted skill training in various
trades and job roles through empanelled
Project Implementation Agencies. The
scheme guarantees a minimum of 70%
placement for the trained candidates. The
scheme has compulsory social inclusion of
candidates from SC – 62%, ST – 3%,
Minorities – 16%, Persons with Disabilities
(PwD) - 3% and Women (all categories
included) – 33%. The training courses are
aligned with National Skill Qualification
Framework (NSQF). Along with domain
99
curriculum, soft skill modules on spoken
English and computer basics are mandated to
enhance employability of the candidates.

During the year 2022-23, 20,309 youth

have been enrolled for the training, of which
14,303 have completed training and 6,997
have been placed in various sectors.

7.1 Call Centre for Skill and Livelihood

Under the DDU-GKY Scheme, a

Call-centre was established to handle the
queries from youth regarding skill training
courses, skilling institutions, Placements etc.
The Call-centre has been scaled up to handle
queries related to Livelihood schemes for
SHGs under TNCDW. The Livelihood Helpline
operates under 155330 short code.

100
7.2 Soft Skills Training with British
Council

To ensure uniformity in the curriculum

of spoken English and soft skills module
across DDU-GKY Project Implementation
Agencies, TNCDW has initiated the project on
“Standardization of Curriculum for English
and soft skills”. British Council has been
engaged as Technical Support Agency which
has developed a new curriculum for English
and soft skills to make it more relevant to the
needs of today. This has enhanced the
employability skills of the candidates, thereby
increasing their placement potential.

101
102
8. TAMIL NADU
URBAN
LIVELIHOODS
MISSION
(TNULM)

103
104
8. Tamil Nadu Urban Livelihoods Mission
(TNULM)

Tamil Nadu Urban Livelihoods Mission

(TNULM) aims to reduce poverty and
vulnerability of the households by building
strong community-based organizations and
enable the urban poor to access gainful self-
employment and skilled wage employment
opportunities to improve their livelihoods. It
also targets the needs of the urban homeless
by providing shelters and addresses the
livelihood concerns of the street vending
community through access to credit and
other services.

Tamil Nadu Urban Livelihoods Mission

was initially implemented by the
Commissionerate of Municipal Administration
since its launch in 2014-15. Since TNCDW
has a very rich experience in anchoring
Poverty alleviation and livelihood
105
programmes in rural and urban areas, the
State Government decided to bring all the
livelihood Missions under TNCDW and thus,
the TNULM was transferred to the
Corporation in 2016-17.

Under TNULM, 1,16,904 SHGs have

been newly formed since 2014 and 12,817
pre-NULM groups have also been brought
within the ambit of Urban Mission. Presently,
there are 1,29,721 Urban SHGs in the State.

8.1. Scheme Components

A) Social Mobilization and Institution

Development (SM&ID)

TNULM envisages universal social

mobilization of urban poor and vulnerable
sections into Self Help Groups (SHGs) and
federations. The Mission lays special
emphasis on the mobilization of vulnerable
sections of the urban poor such as SCs, STs,
106
Minorities, Women-Headed Households,
Differently-abled, Destitute women, Migrant
Labourers and Vulnerable Occupational
Groups like Street Vendors, Rag Pickers,
Domestic Workers, Construction Workers,
etc. into SHGs.

a. Formation of Self Help Groups and

Revolving Fund to SHGs:

The SHGs formed under TNULM, which

have completed their mandatory trainings
are graded after 3 months and provided with
a Revolving Fund to enhance their corpus and
increase internal lending among its members
and gain access to Bank Linkage.

So far, 14.32 Lakh households were

mobilised into 1.30 Lakh SHGs in Urban
areas across the State and 1.26 Lakh SHGs
have been supported with Revolving Fund to
the tune of Rs.126.00 Crore.

107
 During the year 2022-23, 20,000 SHGs
have been formed and 17,615 SHGs have
been assisted with Revolving fund to the tune
of Rs. 17.61 Crore.

b. Formation of Area Level Federations

and Revolving Fund to ALFs:

A minimum of 10 SHGs come together

to get federated as an Area Level Federation
(ALF) at the Habitation/Ward level. ALFs
facilitate the SHGs to avail timely institutional
credit at an affordable rate of interest, take
up economic activities, participate Swachh
Bharat Mission activities in urban areas.

So far, 44,477 SHGs were federated

with 2,633 ALFs across the State and 2,383
ALFs have been supported with Revolving
Fund of Rs.11.92 Crore.

During the year 2022-23, 500 ALFs

have been formed and 271 ALFs have been
108
assisted with Revolving fund to the tune of
Rs. 1.36 Crore.

c. Formation of City Level Federations:

The Area Level Federations are further

federated into a City Level Federation at the
town/ city level to take care of the higher-
level requirements of ALFs and its member
SHGs.

d. City Livelihood Centres (CLCs):

They act as a “one-stop Centre” for all

citizens seeking services from the informal
sector and provide a platform for the urban
poor to promote their products and services.
It also acts as a resource centre for those
seeking information relating to employment
and skill training opportunities.

109
 So far, 80 CLCs have been established
across the state with a cost of
Rs. 8.00 Crore.

B) Employment through Skill Training

and Placement (ESTP)

ESTP provides assistance for

development and upgradation of skills of the
urban poor so as to enhance their capacity
for wage and self-employment. A minimum
of 30% of the beneficiaries under the ESTP
scheme are women. SCs and STs are
enrolled in proportion to their population in
the urban poor in the local body. Special
reservations are made under the Programme
for Differently abled, minorities and other
vulnerable groups like construction workers,
destitute widows, etc.

During the year 2022-23, 10,865 youth

have completed training and 2,135 youth are

110
presently undergoing training across the
State.

C) Capacity Building and Training (CBT)

The key objective of capacity building

and training component of TNULM is to
provide technical assistance in the fields of
urban livelihoods promotion and urban
poverty alleviation. It involves building of
strong institutional structures at the State,
District and Urban Local Body levels for
efficient implementation of TNULM.

D) Self-Employment Programme (SEP)

Under this component, financial

assistance is provided to individuals and
groups from among the poorest sections to
set up gainful self-employment ventures and
micro enterprises, based on their aptitude,
skill, training, aptitude and local conditions.

111
 So far, Bank linkage of Rs.33,467 Crore
has been provided to SHGs across the State.

During the year 2022-23, Bank linkage

of Rs. 1,717.65 Crore has been provided to
SHGs across the State.

a. Self-Employment Programme for

Individuals (SEP- I):

Under SEP-I, urban poor interested to

start enterprises are identified and provided
loans up to Rs. 2 Lakh by banks along with
interest subvention.

In the year 2022-23, 7,592 individual

enterprises have been supported with bank
loans of Rs.41.45 Crore.

b. Self-Employment Programme for

Groups (SEP-G):

The aspirant members of the SHG or a

group of urban poor are given support to set
112
up group enterprise for self-employment
through bank loan to the maximum of Rs. 10
Lakh along with interest subsidy.

In the year 2022-23, 3,330 activity

groups have been supported with bank loans
of Rs.105.99 crore.

c. Self-Employment Programme (Bank

Linkage) [SEP-BL]:

The urban SHGs are also provided

credit linkage from Bank with interest
subvention as per RBI norms of SHG-Bank
Linkage Programme. The Interest Subvention
to eligible groups are facilitated through the
PAiSA portal for providing interest subvention
on timely repayment in a transparent
manner.

In this year 2022–23, interest

subvention has been extended to the tune of
Rs.48.69 Crore.
113
8.2. Partnership and Convergence

TNULM collaborates with many

departments to achieve the overall objectives
of poverty alleviation and livelihood
promotion.

 Urban SHG members are supported

by TNULM to receive seed capital
support for micro-enterprises
engaged in food processing under
the PMFME Scheme in convergence
with MSME department.
 Makkalai Thedi Maruthuvam (MTM)
is being implemented in all 649
Urban Local Bodies through 2,256
Women Health Volunteers from
SHGs in convergence with National
Health Mission.
 SHG members play a key role in
door-to-door awareness creation on

114
 household waste management in
SBM 2.0.
8.3 NULM Components implemented by
Directorate of Municipal Administration
The following components are being
implemented by the Directorate of Municipal
Administration and TNCDW acts as the
convening and funding organisation.
 Support to Urban Street Vendors
(SUSV)
 Shelter for Urban Homeless (SUH)

115
116
 9. TAMIL NADU
RURAL
TRANSFORMATION
PROJECT (TNRTP) @
VAZHNDHU
KATTUVOM
PROJECT 2.0 (VKP)

117
118
9. TAMIL NADU RURAL
TRANSFORMATION PROJECT

World Bank assisted Tamil Nadu

Empowerment and Poverty Reduction Project
(TNEPRP) also called Vazhndhu Kattuvom
Project 1.0 (VKP) was built on the lessons
learnt from the implementation of Mahalir
Thittam. The VKP was launched in 2005-06
with the objective of strengthening and
empowering the institutions of the Poor, who
were identified by the Participatory
Identification of Poor (PIP) methodology. This
successful strategy and approach were
replicated in the TNSRLM Blocks and Districts
from 2013. The results of the project
activities and its impact were appreciable and
got rated as a successful model for poverty
alleviation and livelihood promotion. On
completion of the Project in 2017, the TNRTP
was launched in 2018 to build on the

119
initiatives and create higher order institutions
to support enterprise promotion and funding.

TNRTP called as Vazhndhu Kattuvom

Project (2.0) from the year 2021-22 assisted
by World Bank is a third-generation poverty
alleviation and economic empowerment
project with a vision to transform rural
communities by creating sustainable incomes
and prosperity in rural areas through women
led rural enterprises. The project is
implemented in 3,994 Village Panchayats
across 120 Blocks of 31 Districts (except
Chennai, Thanjavur, Ariyalur, Perambalur,
Dharmapuri, Kanyakumari and Thirupathur).

The budget outlay for the project is

Rs.910.37 Crore with a fund sharing ratio of
70:30 between the World Bank and
Government of Tamil Nadu.

120
Project Development Objectives

The Project Development Objectives

(PDO) of Vazhndhu Kattuvom Project (VKP)
is “to promote rural enterprises, access to
finance and create employment
opportunities” in selected blocks of Tamil
Nadu.

9.1 Key Components

The Project comprises of the following

four major components:

1. Rural Enterprise Ecosystem

Development
2. Enterprise Business Plan
Financing
3. Skills and Job Opportunities
4. Project Management
Also, Environment and Social
Management Framework (ESMF), Gender
Parity, Information, Communication &

121
Technology (ICT), Knowledge Management
and Communication (KMC), Partnership and
Convergence (P&C) cut across all the Project
activities.

The following are the Project implementation

strategies:

1. Technical and Financial Assistance

for Enterprise promotion

Two types of enterprises are promoted

under the Project.

1) Individual Enterprises

2) Group Enterprises

Individual Enterprises:
Individual enterprises are promoted
through the Project through Covid Assistance
Package, Matching Grant Programme and
support for complying with statutory
compliances through the Project’s One Stop
Facilitation Centres.
122
Group Enterprises:
The project promotes the following Groups
i) Enterprise Groups
ii) Producer Groups

iii) Producer Collectives

These group enterprises are supported
with technical inputs and financial assistance
in the form of start-up funds as grant, bank
credit and market access.

a) Start-up Funds to group

enterprises

Start-up Funds are given to new group

enterprises as grants to start a business. The
funds are used as initial investment for
procuring raw materials.

i. Producer Groups - Producers of a

particular commodity are organized together
for aggregation of farm produce to realise
better income due to economies of scale.

123
Producer Groups with 30-150 producers are
given start-up funds of Rs.75,000 based on
milestones.

So far, a total of 5,000 producer groups

have been assisted with start-up funds to the
tune of Rs.50.73 Crore.
In 2022-23, 1,133 producer groups
were assisted with start-up funds to the tune
of Rs.8.49 Crore.

ii. Enterprise Groups- Enterprise

Groups with 10 to 30 members having joint
ownership and control over business
activities with shared resources and profit,
come together for product development, to
reduce production costs, improve quality and
increase their income. Enterprise Groups are
sanctioned with start-up funds of Rs.75,000
based on achievement of corresponding
milestones.

124
 So far, a total of 1,000 Enterprise
groups have been assisted with start-up
funds to the tune of Rs.9.30 Crore.
In 2022-23, 152 enterprise groups
have been assisted with start-up funds to the
tune of Rs. 1.14 Crore.

iii. Producer Collective (PC)- It is

a formal higher-level integration of producer
groups for aggregation, value addition,
marketing and providing service for
economies of scale. They are sanctioned with
start-up funds of Rs.30 Lakh in four tranches
after achieving the respective milestones.
The membership usually ranges between 300
and 3,000 producers. Other Projects had
promoted 19 Producer Collectives which are
now supported under VKP and 34 Producer
Collectives have been newly formed under
the Project. All the Producer Collectives have

125
been registered under the Companies Act,
2013.

In the year 2022-23, 53 producer

collectives have been assisted with start-up
funds to the tune of Rs. 7.00 Crore.

2. Community Skilling

Skill is an important asset and

increases the capability of the poor and
vulnerable to take up income generating
activities. In order to provide skill to the rural
people within reach through experts from the
local community, the Community Skill School
(CSS) and Community Farm Schools (CFS)
are promoted.

Local practitioners / experts of

traditional and highly remunerative arts,
crafts and trades are selected and supported
with minimum required infrastructure at the

126
village / block level to run CSS to facilitate
access to skill training in rural areas.

Community Skill Schools (CSS)

Local and traditionally remunerative

trades are identified by PLF which also selects
local practitioners, experts or established
entrepreneurs with necessary infrastructure
as Master trainers for the training. These
trainers set up Community Skill Schools in
the same village/block and train interested
youth on various trades for taking up either
wage or self-employment. The Skill Schools
are established at a cost of about Rs. 70,000
to Rs.1.00 Lakh which include the cost of the
Trainer’s Honorarium, training kits, uniforms,
etc.,

Till 2022-23, 1,591 Community Skill

Schools have been set up and 33,681 rural

127
youth have been skilled at a cost of Rs.11.92
Crore.

In 2022-23, 1,090 Community Skill

Schools have been set up and 22,143 rural
youth have been skilled at a cost of Rs.7.99
Crore.

Community Farm Schools (CFS)

To improve production, productivity,

crop diversification including rearing of
livestock and Poultry, Community Farm
Schools are set up by farmers who have
gained expertise due to years of experience
and piloting new techniques and are able to
transfer technical knowledge and practices to
other farmers and producers. Experts and
Lead Farmers (@SPARKs) are identified and
trained through TNAU/KVK/TANUVAS to
transfer best practices through hands-on-
training and practical field demonstrations.

128
They provide continuous guidance and
support the trained farmers. The Community
Farm Schools are established at a cost of
about Rs. 70,000 to Rs.1.00 Lakh including
the honorarium to the Lead Farmer, training
kits, laying of demonstration plots etc.

Till 2022-23, 5392 Community Farm

Schools have been set up and 1,64,128
producers are being trained in farm and off-
farm activities at a cost of Rs.45.75 Crore.

In 2022-23, 4271 Community Farm

Schools have been set up and 1,29,439
producers are being trained in farm and
off-farm activities at a cost of Rs.38.13
Crore.

129
3. Enterprise Finance through Formal
Financial Institutions

To support enterprise run by individuals

and groups to access finance, the Project has
commenced the Matching Grant Program
(MGP) and ensured bank linkages with formal
financial institutions.

Matching Grant Program (MGP)

MGP is a financial instrument developed

to fill the demand and supply gap in lending
to rural enterprises. It targets first
generation entrepreneurs, women, enterprise
run by differently abled, enterprise groups,
producer collectives; and other nano, micro
and small enterprises who face a challenge in
securing lending from formal financial
institutions.

MGP facilitates proper documentation,

preparation of business plan and reduces the

130
turnaround time for sanction and disbursal
including utilization & repayment of loans.
Under MGP, the beneficiaries are eligible for
30% backend subsidy on prompt repayment
of 70% of the loan amount.

During 2022-23, 1,317 individual

enterprises have been supported with
matching grant to the tune of Rs.13.28 Crore
aggregating to Rs.44.26 Crore loans from
formal financial institutions.

4. Promoting Business Innovations

Through business innovation, existing

products and strategies are redesigned and
transformational ideas are taken up and new
Innovations promoted to tackle development
challenges in the enterprise ecosystem.

Under Business Innovation promotion,

the project links innovators, start-ups and

131
students with individuals and groups engaged
in micro-enterprises promoted under VKP.

In the year 2022-23, 10 innovative

business projects are implemented to the
tune of Rs.79.00 Lakh.

5. Capacity Building

Entrepreneurship Development
Programme (EDP) is provided to
entrepreneurs and Lead Farmers for
enhancing their entrepreneurial skills in
various aspects like finance, marketing,
business plan preparation, convergence with
other schemes, legal compliances, etc.,

So far 5,345 entrepreneurs and Lead

Farmers have been trained at a cost of
Rs.1.30 Crore.

Capacity Building on Governance and

technical training were given to all the Board
of Directors (BoDs) and Chief Executive
132
Officers (CEO) of all the Project assisted
Producer Collectives.

Business viability training has been

given to EDO/EFO and Financial management
training is planned to be given to all the
Project staff through reputed training
institutions this year.

9.2 Support Institutions

i. Business Facilitation:

The Project supports new and existing

entrepreneurs to gain access to market and
financial linkages by preparation of business
plans and facilitating legal and statutory
compliances through One Stop Facility
centres and Co-creation centres.

ii. Migration Support Centre (MSC):

Migration Support Centres (MSCs) act

as walk-in resource centres for migrant

133
workers, from other districts and state in
search of better employment prospects.
MSCs will offer counselling, access to
information, acclimatization support and
provide targeted services to vulnerable
displaced workers. One MSC started on a
pilot basis in Chengalpattu District is
functional with a capacity of 40 beds.
Further, steps are being taken to set up
MSCs in collaboration with skill training
institutions, community-based organisations,
industrial associations, etc.

9.3 Monitoring and Evaluation

Monitoring and Evaluation (M&E) is an

important activity to keep track of the
progress of various activities and provide
feedback to Project managers to take timely
corrective measures to make course
corrections and improve performance and
achieve the intended outcomes.
134
(a) Grievance Redressal Mechanism:

Awareness on work place safety for

women entrepreneurs from SHG households
have been created. Grievance Redressal
Portal has been created for Project
functionaries & beneficiaries to register their
complaints. Grievances registered on the
portal are addressed through respective
District Project Management Unit (DPMU).

(b) Environmental & Social Management

Framework (ESMF):

ESMF is a framework developed to

ensure environmental and social
sustainability of Project interventions. It is to
prevent and mitigate adverse environmental
and social impacts, enhance project benefits
and promote green enterprises to ensure
sustainability of value chains.

135
 Under Participatory Guarantee System
(PGS)of certification of Organic Products, 142
Acres of land owned by 133 farmers have
been registered by Regional Council (RC) for
organic farming taken up through the
Project.

(c) Management Information System:

Information, Communication and
Technology (ICT) is an inevitable part of the
Project to establish a digital platform for the
real time monitoring. The Integrated Digital
Platform (IDP) portal (www.idp.tnrtp.org)
strengthens the Management Information
System (MIS) of the Project and serves as a
ready reckoner for all the data and
information related to the VKP Project.

136
(d) Knowledge Management,
Communications & Learning
Systems:
Knowledge Repository is a platform to
facilitate the access of all information relating
to the Project in a digital form so that all the
stakeholders can have real-time access to all
the project related Guidelines, SOPs,
Information Education Communication (IEC)
materials, Photo & Video documentation,
Success Stories, etc.,. The website URL of
TNRTP is www.tnrtp.org

Activities proposed for the year 2023-24

 Start-Up grant will be provided to 53

Producer Collectives at a cost of Rs. 8.00
Crore.
 Matching Grant assistance will be given to
4000 Individual Enterprises and 100
Group enterprises at a cost of Rs. 53.00
Crore.
137
 Entrepreneurship Development
Programme will be conducted to 3,000
Nano, Micro and Small Entrepreneurs at a
cost of Rs.2.00 Crore.

138
10. CONCLUSION

139
140
10. CONCLUSION
Tamil Nadu Corporation for
Development of Women is fully committed to
holistic empowerment of women and has
been playing a pivotal role in ensuring
economic empowerment of women, poor and
marginalised through skill development
programs and livelihood schemes.

The Corporation will continue to take

efforts to enrol all left out women into the
SHG fold, build their capacities and federate
them into community based organisation.
The capability of the CBOs will be enhanced
to ensure government scheme benefits are
delivered through and for the women
members in SHGs. The Livelihood Missions
are also committed to social development
amongst the downtrodden, who are the
target beneficiaries of the missions, both in
Urban and Rural Areas.

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 Beyond economic empowerment,
TNCDW will strive to bring about gender
parity in the society by building awareness
among men and women on gender, equality,
equity and support the women to claim their
rights and access legal support systems when
in need.

The Livelihood activities promoted

through TNSRLM, TNULM and VKP in both
farm and non-farm sector will be further
strengthened through cluster development,
value addition, marketing and branding. The
synergy between the missions will be further
enhanced through sharing of resources, best
practices and models for greater value to the
society.

TNCDW will work closely with other

departments to ensure that the benefits of
government schemes reach the poorest of
the poor and the SHG network is fully utilised
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for delivery of government schemes and
services to the last mile, which will not only
improve targeted and efficient delivery of
services but also improve the lives and
livelihoods of SHGs.

TNCDW under the dynamic leadership

of the Hon’ble Chief Minister of Tamil
Nadu, Thiru M.K.Stalin renews its
commitment to carry forward the vision of
the Hon’ble Chief Minister to create a poverty
free Tamil Nadu and to create a society that
is more equal in all dimensions of
development.

UDHAYANIDHI STALIN
Minister for Youth Welfare and
Sports Development
Government of Tamil Nadu

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 State Level function for Distribution of Credit to SHGs

Hon’ble Chief Minister of Tamil Nadu participated in the State Level function for
Distribution of Credit to SHGs at Tiruchirapalli, on 29.12.2022.

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 Hon’ble Chief Minister’s Breakfast Scheme

Hon’ble Chief Minister launched the Hon’ble Minister for Youth Welfare and
breakfast scheme at Madurai on Sports Development, Visited Primary
15.09.2022. school at Sooramangalam in Salem district
on 16.02.2023 to review CMBFS.

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 Farm Livelihoods promoted under TNSRLM

Women Farmers using farm machinery hired Women Farmers engaged in

from Custom Hiring Centre Vegetable Cultivation

SHG women engaged in Goatery Apiary Micro Enterprise Unit run by SHG

3
 Non Farm Livelihoods promoted under TNSRLM

SHG engaged in Basket Weaving SHG engaged in production of food items

SHG engaged in Coconut based Crafts SHG run Garment Unit

4
 Livelihood activities under TNULM

SHG Group Enterprise – Wood Carving Unit SHG Nano Enterprise – Aari Design Unit

Electrician Training to Urban Youth under ESTP SHG Group Activity – Leasing of Tea Estate
and Processing of Tea Leaves

5
Enterprise groups & Producer groups promoted under - VKP

Enterprise Group - Pottery Matching Grant Beneficiary – Weaving unit

Producer Group – Turmeric Cultivation Community Skill School – Two Wheeler Mechanic

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 Convergence activities with other departments

Namma Ooru Superu Campaign Manjappai Campaign with Environment,

with RD&PR Dept Climate Change & Forests Department

Samathuva Pongal Campaign with RD&PR Dept

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 Makkalai Thedi Maruthuvam

Women Health Volunteer from TNSRLM Women Health Volunteers from TNULM
delivering health care in Rural Areas delivering health care in Urban Area

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RURAL DEVELOPMENT AND PANCHAYAT
RAJ DEPARTMENT

Poverty Alleviation Programme and

Rural Indebtedness

POLICY NOTE
2023- 2024

DEMAND No. 42

Thiru. UDHAYANIDHI STALIN

Minister for Youth Welfare and Sports Development

Government of Tamil Nadu

2023