Lakhpati Didi Yojana

Lakhpati Didi is not a stand alone benefit. It is a convergence initiative under DAY-NRLM that bundles existing instruments, SHG bank loans, community investment support, skill development under DDU-GKY, sectoral support from animal husbandry or agriculture departments, and market linkages through Cluster Level Federations, around a clear household income target.

The target is that the woman's household crosses Rs one lakh in annual income on a sustainable basis. The income is computed on the basis of an Income and Expenditure assessment carried out by the Cluster Level Federation, and is verified on a quarterly basis through the SHG's bookkeeping and the bank account.

Five activity portfolios account for the bulk of successful Lakhpati Didi cases. Dairy with at least three crossbred cows, poultry with at least 500 birds, mushroom cultivation with two cycles per year, value added food processing under PMFME, and retail enterprises linked to OneDistrictOneProduct.

Two newer portfolios are being scaled. The Drone Didi component trains and equips SHGs to operate agricultural drones for rental to farmers. The Solar Didi component trains members to install and maintain rooftop solar and to operate solar based micro enterprises such as solar dryers and solar cold rooms.

Qualification begins inside the SHG. The SHG must be in good standing, and the member must propose a Micro Enterprise Plan that the Village Organisation and Cluster Level Federation can certify as credible. The plan goes through the federation's appraisal process, which checks both the technical feasibility and the convergence requirements.

Once approved, the member is enrolled in the Lakhpati Didi tracker. From that point, convergence support is requested from the relevant line department, the bank linkage is arranged, and the federation monitors progress against the income target. Members who fall behind receive additional hand holding rather than being dropped.

• 01Member of a Self Help Group promoted under the National Rural Livelihoods Mission for at least one year
• 02SHG is in good standing on the Panchasutra audit, with regular meetings, savings and repayment
• 03Member is willing to take up or expand a livelihood activity from the approved portfolio
• 04Household current income, as assessed by the Cluster Level Federation, is below Rs one lakh per year
• 05Member has not received similar enterprise support from another central scheme in the last three years for the same activity

• §Aadhaar of the SHG member
• §SHG membership and savings record
• §Bank account of the SHG and individual member with Aadhaar seeding
• §Micro Enterprise Plan prepared with support of the Community Resource Person
• §Approval from the Village Organisation and Cluster Level Federation
• §Activity specific clearances such as veterinary clearance for dairy or FSSAI registration for food processing

• SHG audit reveals irregular savings or non repayment, disqualifying the SHG from being a base for Lakhpati Didi support
• Enterprise Plan does not show a credible pathway to Rs one lakh annual income, leading the federation to defer approval
• Convergence with the relevant line department, such as animal husbandry for dairy, is not secured
• Bank account of the member not Aadhaar seeded, blocking interest subvention and capital DBT
• Same activity already supported under PMEGP or DAY-NULM for the household, breaking the one scheme per activity rule

• Lakhpati Didi Initiative Framework, Ministry of Rural Developmentlink ↗
• Drone Didi Component Guidelines, Ministry of Rural Development
• DAY-NRLM Framework for Implementation, Ministry of Rural Development