Non-Farm Livelihoods
Microenterprises and locally relevant businesses that create regular income and opportunities for future growth.
Graduated Rural Income Generation Programme (GRIP)
The Need
Breaking the cycle of poverty
For ultra-poor households, the barriers to sustainable livelihoods go beyond income. Limited productive assets, financial exclusion and restricted access to formal credit often prevent families from building stable and sustainable sources of income.
GRIP addresses these challenges through a structured pathway that combines productive asset creation, capacity building, continuous handholding and mentoring, financial inclusion and credit linkages — enabling households to strengthen their livelihoods and progress towards greater financial resilience.
- Productive assets aligned with local livelihood opportunities.
- Capacity building and ongoing handholding for enterprise growth.
- Financial inclusion, savings and access to appropriate credit.
- Stronger household resilience and sustainable incomes.
Geographical Outreach
Reaching communities across regions
Since its launch on 01 August 2024, GRIP has expanded its outreach across rural communities, supporting 2,500 beneficiaries across 5 states.
Programme Initiated
01 August 2024
0
Beneficiaries
0
States
0
Districts
0
Villages
0
Blocks
0
Municipalities
The GRIP Model
A pathway to graduation
Productive assets, capacity building, financial inclusion, and continued support come together to create sustainable livelihoods, strengthened by financial discipline through the repayment of returnable grants and credit linkages that enable beneficiaries to scale up their livelihoods.
The GRIP Model
Beneficiary identification
Capacity Building
Asset Creation & Microenterprise Development
Continuous Handholding & Mentoring
Returnable Grant Repayment After Profitability
Linkage with Govt. Credit Schemes for Scaling up
Asset Creation
Building livelihoods through productive assets
GRIP supports beneficiaries with productive assets aligned with their skills, livelihood potential and local market opportunities. The asset portfolio spans farm, non-farm and mixed (Combination of both Farm & Non-farm) livelihood activities, enabling households to develop sustainable sources of income.
Farm Livelihoods
Agriculture and allied livestock activities aligned with local resources, skills and market conditions.
Mixed Livelihoods
A combination of farm and non-farm activities that helps households diversify income sources and strengthen livelihood resilience.
Strengthening Financial & Community Linkages
836 beneficiaries linked with Self-Help Groups
SHG linkages strengthen beneficiaries' access to community networks, regular savings practices and pathways to formal financial services.
Programme Gallery
Livelihoods in motion
A closer look at the people, productive assets and local livelihood journeys that bring the GRIP model to life.
Financial Inclusion
From financial exclusion to financial readiness
GRIP connects beneficiaries to the mainstream financial ecosystem — building the habits, history and confidence needed to become credit-ready individuals.
- Accessible banking services
- Regular and informed savings
- Financial literacy and credit readiness
The Financial Inclusion Journey
Banking
Savings
Financial Literacy
Govt. Credit Linkage Schemes & SHGs
Credit Readiness
Affordable Credit
A closer look at people, productive assets, and livelihood journeys that bring the GRIP model to life—with 2,216 beneficiaries' productive assets valued at over Rs 23,000 and 2,459 beneficiaries progressing towards monthly incomes above Rs6,000. Behind these numbers are stories of resilience, enterprise, and renewed hope, as families turn productive assets into sustainable sources of income. GRIP is not just creating assets; it is enabling livelihoods, strengthening confidence, and opening pathways towards greater economic independence.
Bank Access
Newly accessed bank accounts or reactivation of dormant accounts
100
%
Regular Savings
Beneficiaries reported developing a regular savings habit
78
%
Returnable Grants
Grants repaid by beneficiaries
89
%
Social Security
Convergence to various government social security schemes
94
%
*As on 31 August 2026
Beyond the First Asset
One asset. Multiple possibilities.
As income grows, households build the capacity to save, and gradually diversify their livelihoods.
Growth Cycle
Asset
Income
Savings
Asset Growth
Diversification
The Multiplier
A grant that creates another opportunity
GRIP uses a returnable grant model designed to create a cycle of opportunity. As households become more stable, the programme can support the next household with the collected returnable grant on its path towards livelihood security.
The Ecosystem
No household graduates alone
An integrated support system helps households progress from vulnerability towards sustainable economic participation.
A connected support system
Livelihood support is reinforced through capacity building,
community networks, social protection and access to formal finance
— helping families build stronger, more resilient livelihoods.
The credit linkage process is currently underway, with the programme
aiming to support at least 25% of beneficiaries to appropriate credit
opportunities to help them scale their businesses.
Impact
More than income
Sustainable Livelihoods
Creating productive assets and dependable household income.
Financial Inclusion
Building financially active and credit-ready households.
Women's Agency
Strengthening confidence, participation and decision-making.
Household Resilience
Improving savings, food security and access to essential services.
Empowering Enterprises
65% have built stronger formal businesses through Udyam Registration
Insured under Social Security Net
Enrolment of 94% beneficiaries under various social security schemes like PMSBY, PMJJY, APY and others