The SWARNJAYANTI GRAM SWAROZGAR YOJANA (SGSY) aims to provide income-generating assets and inputs to poor rural families through subsidies and bank loans, in order to help them cross the poverty line. Target groups include small and marginal farmers, agricultural and non-agricultural laborers, and rural artisans earning less than Rs. 13,000 annually. The program provides subsidies of up to Rs. 10,000 per individual and Rs. 1.25 lakhs for groups, as well as training to improve beneficiaries' skills.