The Lakhpati Didi Scheme is a flagship initiative of the Government of India aimed at making women financially independent by helping them earn ₹1 lakh or more per year through sustainable livelihood activities.
This scheme mainly focuses on women associated with Self-Help Groups (SHGs), especially in rural and semi-urban areas.
Why the Lakhpati Didi Scheme is Important
- Encourages women empowerment
- Promotes financial independence
- Strengthens rural economy
- Supports entrepreneurship at the grassroots level
This scheme is not just about income—it’s about confidence, dignity, and long-term stability for women.
What is the Lakhpati Didi Scheme?
Under the Lakhpati Didi Scheme, women are supported to:
- Start or expand income-generating activities
- Receive skill training and financial guidance
- Access loans and government support
- Build stable and long-term income sources
A woman who earns ₹1,00,000 or more annually through such activities is called a “Lakhpati Didi.”
Who Launched the Lakhpati Didi Scheme?
- Launched by the Government of India
- Implemented under the Deendayal Antyodaya Yojana – National Rural Livelihood Mission (DAY-NRLM)
- Actively supported by State Governments
Who is Eligible for the Lakhpati Didi Scheme?
You may be eligible if:
- You are a woman
- You are a member of a Self-Help Group (SHG)
- Your SHG is linked with a bank
- You are willing to engage in income-generating activities
✔️ Priority is given to women from:
- Rural areas
- Economically weaker sections
- Women-led households
What is a Self-Help Group (SHG)?
A Self-Help Group (SHG) is a small group of people—usually 10 to 20 women—who come together to:
- Save money regularly
- Support each other financially
- Start small income-generating activities
SHGs are mainly formed in rural and semi-urban areas and are supported by the Government under livelihood programs.
What Kind of Activities Are Supported?
The scheme promotes multiple livelihood options, such as:
🔹 Agriculture & Allied Activities
- Dairy farming
- Poultry
- Goat rearing
- Organic farming
- Vegetable cultivation
🔹 Small Business & Enterprises
- Tailoring units
- Beauty parlours
- Food processing (pickles, papad, snacks)
- Handicrafts & handloom work
- Small retail shops
🔹 Service-Based Work
- Catering services
- Digital services
- Local service centers
Women can also combine more than one activity to reach the income target.
What Benefits Are Provided Under the Scheme?
✅ Skill Training
- Business and technical training
- Financial literacy support
✅ Financial Assistance
- Easy access to bank loans
- Support through SHG funding
- Interest subsidy (in applicable cases)
✅ Market Support
- Help in selling products
- Branding and packaging assistance
- Linkage with local and government markets
✅ Handholding Support
- Regular guidance from government and SHG officials
- Monitoring and mentoring for income growth
How Much Income Can a Woman Earn?
The goal is to help women earn:
- Minimum ₹1,00,000 per year
- Income should be sustainable and recurring
- Income can come from multiple sources
Many women have already crossed this target through dairy, food processing, tailoring, and micro-enterprises.
How to Apply for the Lakhpati Didi Scheme?
There is no separate online application portal.
Application Process:
- Join or be part of a registered Self-Help Group (SHG)
- Approach your:
- SHG leader
- Village-level organization (VO)
- Block-level NRLM office
- Choose a suitable livelihood activity
- Complete training and documentation
- Avail financial and operational support
Documents Generally Required
- Aadhaar Card
- Bank account details
- SHG membership proof
- Passport-size photographs
- Activity-related documents (if any)
📌 Document requirements may vary by state.
What is the Lakhpati Didi Scheme?
The Lakhpati Didi Scheme is a government initiative to help women earn ₹1 lakh or more per year by supporting them in starting or expanding income-generating activities.
Who is called a “Lakhpati Didi”?
A woman who earns at least ₹1,00,000 annually through business, farming, or self-employment with government support is called a Lakhpati Didi.
What does SHG mean?
SHG stands for Self-Help Group.
It is a small group (usually 10–20 women) who save money together and help each other get loans and start small businesses.
Is joining an SHG compulsory for the Lakhpati Didi Scheme?
Yes. Membership in a Self-Help Group (SHG) is essential, as the scheme is implemented through SHGs under the National Rural Livelihood Mission (NRLM).
What type of work is supported under this scheme?
The scheme supports activities such as:
1.Dairy, poultry, goat rearing
2.Tailoring and handicrafts
3.Food processing (papad, pickles, snacks)
4.Small shops and service activities
Women can also choose more than one activity to reach the income target.
How much financial assistance is given?
There is no fixed amount. Support may include:
1.SHG loans
2.Bank loans
3.Interest subsidy (in some cases)
4.Training and market support
The assistance depends on the chosen activity and state policy.
Are there any fees to join the scheme?
No. There is no government fee to apply for the Lakhpati Didi Scheme.
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