Introduction: A Dream Woven into Reality
Imagine a rural sister in Rajasthan who once struggled to make ends meet—and now proudly earns over ₹1 lakh annually. It’s not magic; it’s the Lakhpati Didi Yojana, India’s transformative initiative under DAY‑NRLM that is rewriting the story of women’s economic power.
According to the Press Information Bureau, over 1 crore SHG women have already crossed the ₹1 lakh-a-year mark—and state targets aim for 3 crore by 2027.
What Is Lakhpati Didi Yojana?
- A Self‑Help Group (SHG) member who earns an annual household income of ₹1 lakh or more, sustained over multiple agriculture/business cycles (~₹10,000+ per month).
- Designed not only to boost earnings but also to drive financial literacy, skill-building, entrepreneurial mindset, and resource optimization .
- A multi-tiered ecosystem: training for master trainers → community resource persons → selected women; convergence of public, private, and financial sector.
Eligibility & Key Benefits
Who Qualifies?
- Member of a recognized SHG.
- Household income ≥₹1 lakh per year over 4+ agricultural/business cycles.
- Sustainability mindset—able to commit to livelihood plans via Aajeevika Digital register.
What’s Included?
- Identification of potential Didis.
- Capacitated teams: master‐trainer cascade, CRPs.
- Structured Lakhpati plan per household, leveraging bank linkages, markets, tech and skill modules.
- Access to credit: ₹20k–₹30k revolving fund, ₹2.5 lakh CIF per SHG, collateral‐free loans up to ₹20 lakh, subvention, OD facility (₹5k) and enterprise-specific funding.
GEO Spotlight: Rajasthan & Gujarat
Rajasthan
A robust rollout with strong synergies through Indira Rasoi and other rural initiatives. Women in SHGs are linking food production with micro-businesses and leveraging Lakhpati training.
Gujarat
- As of March 2025, 1.48 lakh women in Gujarat have become Lakhpati Didis, ushering in incomes above ₹1 lakh.
- A case in Tapi: a tribal women’s eatery reached ₹41 lakh turnover in 2024.
- 124 master-trainers trained 10,000+ resource persons; 7.98 lakh women registered, 7.66 lakh primarily in agri.
Odisha Tops the National Chart
- Nearly 17 lakh women in Odisha have become Lakhpati Didis; aiming for 25 lakh by 2027.
- Nayagarh district leads with a 98% success rate.
- Unique initiatives: interest‐free loans up to ₹10 lakh, elevated revolving funds (₹30k), vibrant Subhadra Shakti Melas and cafes, enabling go-to-market presence.
Read More: AICTE Free Laptop Yojana 2025
How to Apply Online
- Visit the official Lakhpati Didi portal.
- Register via your SHG ID.
- Submit livelihood & income details across cycles.
- Get verified by CRPs.
- Create your custom Lakhpati plan.
- Track progress via Digital Aajeevika Register every 6 months.
- Get certified & celebrated (e.g. PM handover in Jalgaon, Aug 2024 for 11 lakh women).
Pros & Cons
| Advantages | Challenges |
|---|---|
| Sustainable ₹1 lakh+ income | Digital access gaps in remote areas |
| Financial inclusion, reduced poverty | Training and oversight capacity constraints |
| Community leadership uplift | Enterprise sustainability risks |
Real Stories That Inspire
- Dulesshwari Devangan, Chhattisgarh: began as SHG accountant → earned ₹12–15k/month driving an e-rickshaw post ₹50k loan.
- Bindhu Debnath, Tripura: diversified into goat-rearing, winter apparel; now earns ₹25–30k/month.
FAQs: About Lakhpati Didi Yojana
What is Lakhpati Didi Yojana?
An empowerment program under DAY‑NRLM helping rural SHG women earn ₹1 lakh+/year sustainably.
How to apply online?
Apply via official portal, SHG ID, CRP verification, and create your livelihood plan.
Is this Rajasthan‑specific?
No — it’s a national mission with state‑wise targets; Rajasthan, Gujarat and Odisha lead implementations.
What financial aid comes with it?
Includes revolving funds, CIF, collateral-free bank loans, overdrafts, credit guarantees, and interest subvention.
What More Could You Do?
- Internal Links: Connect to our Rajasthan SHG success stories and Gujarat rural entrepreneurship tips.
- External Links: [Govt Lakhpati Didi portal], [NRLM strategy insights from PIB].
- Schema Suggestion: Include
FAQPagefor above FAQs and aHowTofor the online application guide. - Asset: Offer a downloadable “Lakhpati Didi Application Checklist”.
Conclusion:
Lakhpati Didi Yojana isn’t merely a financial milestone—it’s a transformational journey. It empowers women to think like future-ready entrepreneurs, lead community change, and build resilient livelihoods. Whether you’re a homemaker with dreams or an NGO navigating rural outreach, this is the blueprint to catalyze progress.
Want that checklist or prefer state-specific guides for Rajasthan/Gujarat? Drop a note below—or better yet—join our free Slack community to connect with fellow Didis and changemakers!
