The paperassesses the impact of DAY-NRLM with respect to the pattern of savings and expenditure of the members of self-help groups in the Nuh district of Haryana. These self-help groups are taken which are functioning under a government-sponsored scheme namely National Rural Livelihood Mission-Aajeevika. The study found that the groups have a positive impact on saving and expenditure pattern and assets were also generated but variations were experienced with in the social categories of the respondents. The study also highlights the experiences of women through case studies. The study recommends that the selection of livelihood activities may be done by assessing all relevant and important aspects. Further, proper attention to the selection of the items for expenditureshould be given along with the mobilization to do productive expenditure. The convergence model of the mission should be implemented covering all relevant aspects.

KEYWORDS: Savings, Expenditure, Self-Help Groups.