Here is the whole scheme in one place: what you get, who qualifies, how to apply, and what to check.
| Scheme | Lakhpati Didi |
|---|---|
| Ministry | Ministry of Rural Development, Govt of India |
| Benefit | Training, skills and support to earn at least Rs 1 lakh a year per household |
| Who can apply | Women members of Self Help Groups (SHGs) in rural areas |
| How it is given | Through SHGs, banks, Aajeevika mission support and training |
| Apply at | Your local SHG, your block or district rural livelihood office, or lakhpatididi.gov.in |
| Cost to join | Free |
Key points
- The target is to help 3 crore women become Lakhpati Didis.
- You must be a woman member of a Self Help Group.
- The aim is income of at least Rs 1 lakh a year per household.
- Joining is free, and your SHG is the main route.
So what does a Lakhpati Didi actually get?
The scheme does not hand out a fixed cash amount to every woman. Its aim is income support and skills.
Lakhpati Didi means a woman in an SHG whose household earns at least Rs 1 lakh a year in a sustainable way.
Support comes through training, business skills, bank linkages, and help with livelihood activities.
Amounts and support details can change, so please confirm the current benefits on the official website.
Who can take part, and who cannot?
The main condition is that you are a woman and a member of a Self Help Group.
The scheme is aimed at rural women, so SHG membership in a village or rural area is the key link.
Your household should be working toward a sustainable income through an enterprise or livelihood activity.
Women outside SHGs can ask their local group or livelihood office how to join.
How does the scheme started, and why was the target raised?
The idea was announced by Prime Minister Narendra Modi on Independence Day in 2023.
The first goal was 2 crore Lakhpati Didis. In the Budget 2024 speech, the target was raised to 3 crore.
The Ministry of Rural Development runs the scheme, along with the Aajeevika mission and SHG network.
Around 10 crore rural women are part of SHGs, so the scheme builds on that large base.
Which documents should you keep ready?
Keep your Aadhaar card and a mobile number ready.
Keep your bank account details, linked with Aadhaar if possible.
Your SHG membership record or group details will also help you join.
Check with your SHG or block office for any other papers they need.
How do you join, step by step?
Start by meeting the SHG in your village or nearby area.
If there is no SHG, ask your block or district rural livelihood office how to form one.
Once you are a member, your group guides you to training and bank loans.
You can also check the official website, lakhpatididi.gov.in, for updates and resources.
- 1Meet your SHGStart by meeting the SHG in your village or nearby area.
- 2Form a group if none existsIf there is no SHG, ask your block or district rural livelihood office how to form one.
- 3Get training and bank loansOnce you are a member, your group guides you to training and bank loans.
- 4Check updates onlineCheck lakhpatididi.gov.in for updates and resources.
Graphic: News Anek, from the facts in this report
How can you check progress, and what if something is stuck?
Ask your SHG leader or the Community Resource Person about your group's progress.
If a bank loan or training is delayed, speak to your SHG first, then the block office.
Check the official website for the latest dashboard and contact details.
Never pay any agent or person who promises a Lakhpati Didi place for money.
Any last tips before you start?
Lakhpati Didi is a group-based path, so regular SHG meetings and savings matter a lot.
Do not trust anyone who asks for an upfront fee to register you.
Always check details on the official site before you act on any message or call.
Frequently asked questions
Is Lakhpati Didi a cash scheme?
It is mainly a support scheme for income and skills through SHGs. Check the official website for current benefits.
Can a woman join if she is not in an SHG?
The scheme works through SHGs, so joining or forming one is the usual route. Your block office can guide you.
Is there a fee to join?
No, joining through your SHG is free.
Who runs the scheme?
The Ministry of Rural Development runs it, along with the Aajeevika mission.
What is the target?
The target was raised from 2 crore to 3 crore Lakhpati Didis, announced in the Budget 2024 speech.
Official links
This guide is based on official scheme rules. Rules and amounts can change, so always confirm on the official website before you apply. News Anek is not a government website.
