Lakhpati Didi Yojana is one of the flagship initiatives by the Government of India, aimed at empowering rural women by helping them become financially independent. This scheme is focused on turning women into entrepreneurs, encouraging self-employment, and ensuring that they earn at least ₹1 lakh per year.
The initiative was announced by Prime Minister Narendra Modi with a vision to uplift the economic condition of women in rural areas. Let’s explore all the details: what it is, who can apply, how to apply, benefits, and more.
✅ What is Lakhpati Didi Yojana?
Lakhpati Didi Yojana is a central government scheme launched under the National Rural Livelihood Mission (NRLM). Its goal is to enable women from Self Help Groups (SHGs) in rural areas to earn ₹1 lakh or more annually by engaging in micro-businesses and skilled work.
The government aims to create 3 crore (30 million) “Lakhpati Didis” by 2025.
These women are trained in various skills, provided financial support, and helped to start or scale up their small businesses.
👩🌾 Who are the Beneficiaries?
Women who fulfill the following criteria can benefit from the scheme:
- Must belong to a rural area
- Should be a member of a Self Help Group (SHG)
- From economically weaker sections
- Interested in starting a small business or self-employment
📌 If a woman is not yet part of an SHG, she can first join one and then become eligible.
🧵 What Type of Businesses are Supported?
The scheme supports a wide range of small and local businesses, including:
- Tailoring and embroidery
- Dairy and cattle farming
- Poultry farming
- Making incense sticks and handmade goods
- Grocery shops
- Beautician or parlour services
- Organic farming and gardening
- Packaged food businesses
- Handicrafts and weaving
Women are provided training, raw materials, machines, and marketing support.
💸 How Much Financial Assistance is Given?
- Financial assistance between ₹10,000 and ₹1,00,000 is provided.
- In many cases, the loan is given at low or zero interest rates.
- Some state governments also provide subsidies on top of the central benefits.
🎯 The target is for every beneficiary woman to earn ₹1 lakh per year.
📝 How to Apply for Lakhpati Didi Yojana?
The application process is simple and accessible:
Step-by-Step Process:
- Join a Self Help Group (SHG) if not already a member.
- Visit the nearest Panchayat office or Block Development Office.
- Collect the application form and fill it carefully.
- Submit the required documents along with the form.
- Attend the skill training provided by the government.
- After training, the loan or startup support will be issued.
Required Documents:
- Aadhaar Card
- Passport-size Photo
- SHG Membership Certificate
- Income Certificate (if applicable)
- Bank Account Passbook
🌍 Where is the Scheme Being Implemented?
The scheme is being rolled out nationwide, especially in states like:
- Uttar Pradesh
- Bihar
- Jharkhand
- Chhattisgarh
- Madhya Pradesh
- Odisha
- Rajasthan
- Maharashtra
It is implemented under NRLM (National Rural Livelihoods Mission) by State Rural Livelihood Missions (SRLMs).
🌟 Benefits of Lakhpati Didi Yojana
- Promotes financial independence of rural women
- Encourages self-employment and micro-entrepreneurship
- Women gain valuable skills
- Improved household income
- Boosts social confidence and leadership among women
📣 What Did PM Modi Say?
Prime Minister Narendra Modi stated:
“Our aim is to have at least one Lakhpati Didi in every village, a woman who becomes a symbol of self-reliance and inspiration for others.”
This vision is now becoming a reality with thousands of success stories already emerging from rural India.
📞 Contact & Support
- Official Website: https://nrlm.gov.in
- Visit your nearest Gram Panchayat Office or District Livelihood Office for help
- You can also ask your local SHG leader for guidance
🙋♀️ Final Words: A Step Toward Women Empowerment
Lakhpati Didi Yojana is not just another government scheme—it’s a movement to empower rural women, improve their quality of life, and make them financially secure.
If you or someone in your family is a woman from a rural area looking for financial freedom, this scheme is a golden opportunity.
👉 Spread awareness about this scheme in your village, help women join SHGs, and support them to become “Lakhpati Didis”!
🚀 Join today and step toward a self-reliant future!
🙋♀️ Lakhpati Didi Yojana – FAQ (Frequently Asked Questions)
❓ Q1. What is the Lakhpati Didi Yojana?
Answer:
Lakhpati Didi Yojana is a government scheme launched under the National Rural Livelihood Mission (NRLM) that aims to make rural women financially self-reliant by supporting them in earning ₹1 lakh or more annually through self-employment and entrepreneurship.
❓ Q2. Who is eligible to apply for the scheme?
Answer:
- Women from rural areas
- Must be a member of a Self Help Group (SHG)
- Should belong to economically weaker sections
- Must be interested in starting or expanding a small business
❓ Q3. What is the main benefit of this scheme?
Answer:
The scheme provides training, financial assistance (₹10,000 to ₹1,00,000), tools, and support to start or grow a business, with the goal of helping women earn ₹1 lakh or more per year.
❓ Q4. How can a woman apply for Lakhpati Didi Yojana?
Answer:
- Join a Self Help Group (SHG)
- Visit the nearest Panchayat or Block Development Office
- Fill and submit the application form with required documents
- Attend training provided by the government
- Receive support to begin the business
❓ Q5. Is there any fee to apply?
Answer:
No. There is no application fee. It’s a free-of-cost initiative by the Government of India.
❓ Q6. What type of businesses are supported?
Answer:
Businesses like tailoring, dairy farming, handicrafts, organic farming, grocery shops, food processing, beauty parlors, incense stick making, etc., are supported under the scheme.
❓ Q7. Do I need any special education to apply?
Answer:
No specific education is required. The main requirement is willingness to work, join an SHG, and complete the basic training provided.
❓ Q8. What documents are needed to apply?
Answer:
- Aadhaar Card
- Passport-size Photo
- SHG Membership Certificate
- Bank Passbook
- Address Proof
- Income Certificate (if needed)
❓ Q9. Is the scheme available in every state?
Answer:
Yes, the scheme is being implemented across India, especially in rural areas under the supervision of State Rural Livelihood Missions (SRLMs).
❓ Q10. How much money will a beneficiary get?
Answer:
Eligible women can get ₹10,000 to ₹1,00,000 either as loan or financial support depending on the state and business plan.
❓ Q11. Will I have to return the money?
Answer:
In most cases, it’s a low-interest loan. In some states, subsidies or grants may be given, but repayment depends on local policies.
❓ Q12. Can a woman from an urban area apply?
Answer:
No. This scheme is specifically designed for rural women who are part of SHGs under NRLM.
❓ Q13. How many women will benefit from this scheme?
Answer:
The government has set a target to make 3 crore women “Lakhpati Didis” by 2025.
❓ Q14. Where can I get more help or information?
Answer:
- Visit your nearest Gram Panchayat, SHG office, or Block Office
- Visit the official NRLM website: https://nrlm.gov.in
- Contact your SHG leader for assistance