http://www.thejournalshouse.com/index.php/Journal-Humanities-SocialScience Journal of Advanced Research in Humanities and Social Sciences Advanced Research Publications en-US Journal of Advanced Research in Humanities and Social Sciences 2349-2872 http://www.thejournalshouse.com/index.php/Journal-Humanities-SocialScience/article/view/2057 <p>This study conducted a longitudinal descriptive analysis of livelihood transformations in Uttar Pradesh under the National Rural Livelihoods Mission (NRLM), focusing on collective finance mechanisms and livelihood indicators. Findings reveal substantial institutional expansion and financial outreach. By 2023–24, NRLM mobilised 9.24 million rural households, forming 838,053 Self-Help Groups (SHGs) and 58,026 Village Organisations.<br />Financial strengthening was pivotal: 743,441 SHGs received Revolving Funds (RF) totaling ₹122,011.7 lakhs, and 674,768 SHGs accessed Community Investment Funds (CIF) amounting to ₹787,329.3 lakhs. Earlier (2012–2021), 306,058 SHGs obtained RF and 185,050 accessed CIF, indicating progressive scaling.<br />NRLM also fostered livelihood diversification. Mahila Kisan participation in agricultural extension surged from 31,008 (2020–21) to 69,180 (2023–24), with 19,995 women benefiting from livestock interventions in 2023–24. Non-farm opportunities expanded, notably in food processing enterprises, rising from 553 (2020–21) to 5,164 (2025–26). Enterprise promotion yielded 4,279 enterprises in 2022–23, engaging 7,237 entrepreneurs and generating ₹6,590.01 lakhs in annual sales, despite later fluctuations.<br />Collective finance mechanisms under NRLM have thus enhanced financial inclusion, bolstered rural institutions, and promoted diversified, sustainable livelihoods in Uttar Pradesh.</p> Sagar Kumar Vandana Dwivedi Copyright (c) 2026 Journal of Advanced Research in Humanities and Social Sciences 2026-04-27 2026-04-27 13 2 1 9