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Lakhpati Didi Yojana

Central Scheme (All India) Women Application Mode: OFFLINE Active
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Verified Scheme Data Profile

This profile has been independently compiled from official gazette notifications and verified web domains. Source Authority Link: nrlm.gov.in Authority: Ministry of Agriculture & Farmers Welfare • State/Region: Central Scheme (All India) • Last Audited: 11 Sep 2026

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The Lakhpati Didi Yojana aims to enable women in Self-Help Groups (SHGs) to achieve an annual household income of at least Rs. 1 lakh through sustainable livelihood interventions. It focuses on skill development, financial inclusion, and market linkages to transform SHG members into successful micro-entrepreneurs.

Detailed Summary

Overview

Launched by the Ministry of Rural Development under the Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM), the Lakhpati Didi initiative targets the creation of 3 crore 'Lakhpati Didis' across rural India. The scheme provides a comprehensive ecosystem of support including livelihood planning, capacity building through Krishi Sakhis and Pashu Sakhis, access to credit via Revolving Funds and Community Investment Funds, and convergence with other government schemes for asset creation. It emphasizes diversification of income sources through agriculture, livestock, non-timber forest produce, and non-farm enterprises to ensure income resilience for SHG households.

Key Benefits & Financial Assistance

Comparison Criteria Benefits
Key Benefits
  • Targeted livelihood planning and handholding support to achieve Rs. 1 lakh+ annual income
  • Access to Revolving Fund (RF) and Community Investment Fund (CIF) for capital needs
  • Skill training and certification through Krishi Sakhis, Pashu Sakhis, and other community resource persons
  • Convergence with schemes like PM-KISAN, PMFBY, KCC, and MGNREGA for asset creation
  • Market linkage support through Saras Melas, e-commerce onboarding (GeM, ONDC), and value chain development
  • Interest subvention on SHG bank loans up to Rs. 3 lakh at 7% per annum with additional 3% subvention for prompt repayment

Eligibility Criteria Profile

Comparison Criteria Eligibility
Minimum Age Limit 18 Years or above
Physical Disability Not Restricted (Anyone can apply)
Domicile State All India (Central Scheme)

Application Process Guide

  1. Join or form a Self-Help Group (SHG) under DAY-NRLM through the Village Organization (VO) in your Gram Panchayat
  2. Participate in the Participatory Identification of Poor (PIP) exercise for household categorization
  3. Develop a household Livelihood Plan with support from Community Resource Persons (CRPs)
  4. Access Revolving Fund (RF) after 3-6 months of regular savings and meetings
  5. Avail Community Investment Fund (CIF) and bank linkage for larger livelihood investments
  6. Undergo skill training relevant to chosen livelihood activity (farm/non-farm)
  7. Establish market linkages through VO/CLF support for selling produce/services

Common FAQs regarding this Yojana

Eligible permanent residents meeting the specified domicile, income, and category criteria can submit an application along with verified credentials.

Key mandatory documents include Aadhaar Card, Residence/Domicile Certificate, Income Certificate, and active Bank Account Passbook.

Benefits are directly credited to the beneficiary's Aadhaar-seeded bank account through the Public Financial Management System (PFMS) / DBT.

Applicants can track status in real-time by logging into the official portal using their Application Reference Number.