The Andaman and Nicobar Islands Rural Livelihood Mission (ANIRLM), operating under the Directorate of Rural Development, Panchayati Raj Institutions (PRIs), and Urban Local Bodies (ULBs) of the Union Territory Administration, has been implementing rural financial inclusion programmes since the 2015–16 fiscal year (Directorate of Rural Development, PRIs & ULBs, 2024). While early iterations focused strictly on the core institutional guidelines of the Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM), the geographical fragmentation of the archipelago demanded a customized regional intervention (Ministry of Rural Development, 2025). Therefore the Andaman and Nicobar Women SHG Empowerment Scheme (Directorate of Rural Development, PRIs & ULBs, 2024).