Lakhpati Didi Scheme 2025: Government Benefits, Loans & Eligibility Explained Simply

Lakhpati Didi Scheme 2025: Eligibility, Benefits, Loans, and Application Process Explained

The Lakhpati Didi Scheme is one of the Government of India’s key missions to improve rural women’s financial independence. The initiative aims to help women in Self-Help Groups (SHGs) earn at least ₹1 lakh per year through sustainable livelihood opportunities.

The scheme was launched in August 2023 and expanded during the Union Budget 2024 by Finance Minister Nirmala Sitharaman. Official Budget information can be seen here:
https://www.indiabudget.gov.in.

It works under the national rural livelihood framework of DAY-NRLM (Deendayal Antyodaya Yojana – National Rural Livelihoods Mission). Official scheme page:
https://nrlm.gov.in.

What Is the Lakhpati Didi Scheme?

The scheme aims to help rural SHG women become micro-entrepreneurs and earn ₹1 lakh or more annually through skills, credit access, and training. It is implemented by the Ministry of Rural Development (MoRD). Ministry website:
https://rural.nic.in.

The Government provides support such as:

• Skill development
• Technology and digital training
• Market linkages
• Access to subsidised credit
• Business promotion and expansion

The scheme is also connected with the Namo Drone Didi initiative under the Ministry of Rural Development. Official announcement:

PIB Drone Didi Press Release
.

⭐ Key Highlights of Lakhpati Didi Yojana 2025

• Target: 3 crore SHG women to become Lakhpati
• Implemented under: DAY-NRLM
• Annual income goal: ₹1,00,000+
• Collateral-free loans up to ₹20 lakh
• Interest subvention on loans up to ₹3 lakh at 7%
• Training in agriculture, drones, handicrafts, food processing, tailoring, etc.
• Strong focus on micro-enterprise expansion & village-level jobs

Eligibility Criteria

To qualify, a woman must:

• Be an Indian citizen
• Be a permanent resident of the applying state
• Be an active SHG member for 2+ years
• Be part of 2 or more livelihood activities
• Preferably belong to a household supported under DAY-NRLM

Documents Required

• Aadhaar Card – verify here: https://uidai.gov.in
• PAN Card – verify here: https://www.incometax.gov.in
• Bank Passbook
• Passport-size Photo
• Registered Mobile Number
• Domicile Certificate
• Ration Card – check here: https://nfsa.gov.in

Financial Support Under Lakhpati Didi Scheme

1️⃣ Internal Funding Given to SHGs

2️⃣ Bank Loans & External Funding

• Collateral-free SHG loans up to ₹20 lakh
• Interest subvention at 7% for loans up to ₹3 lakh
• ₹5,000 overdraft under Jan Dhan Yojana – official link:
  https://pmjdy.gov.in
• Support from commercial banks, cooperative banks & regional rural banks

2025 Update: Integration with Namo Drone Didi

Women receive training under the Drone Didi Initiative. Official PIB link:
Drone Didi PIB Update.

Training includes:

• Drone operation & repair
• Drone-based crop spraying
• Soil monitoring
• Agriculture inspection services

Top Benefits of Lakhpati Didi Scheme

✔️ Skill & Training Support

• Agriculture & agri-tech
• Food processing
• Livestock management
• Tailoring & handicrafts
• Drone handling
• Digital payments & marketing

✔️ Easy Access to Loans

• Collateral-free loans
• Interest subsidy for lower EMIs
• Working capital & enterprise expansion support

✔️ Income Growth & Employment Generation

• Sustainable livelihood creation
• Higher household income
• Micro-entrepreneurship

✔️ Community Empowerment

• Better financial literacy
• Peer support
• Village-level development

How to Apply? (Step-by-Step Guide)

There is no central online portal. The program is implemented through NRLM State Rural Livelihood Missions. Official directory:
NRLM State Missions.

1. Join a Local SHG

An active SHG membership of 2+ years is required.

2. Visit Local Centres

• Anganwadi Centre
• Panchayat Office
• Block-level DAY-NRLM office
• District Rural Development Agency (DRDA)

3. Fill Out the Application Form

Submit details on your SHG, income level, and livelihood activities.

4. Submit Documents

Provide Aadhaar, PAN, bank passbook, and other required documents.

5. Attend Mandatory Training

Training is required before loan sanction.

6. Access Funds

Funds are provided after verification through SHGs and linked banks.

Conclusion

The Lakhpati Didi Yojana is transforming rural India by empowering women with financial independence, entrepreneurship skills, and access to technology like drones. With structured training and credit support, SHG women can achieve the ₹1 lakh annual income milestone.

FAQs