Lakhpati Didi Yojana 2026: What It Is, Who Can Join, How
📌Quick Facts & Summary
Key Benefit
Skills training and business support.
Who Can Apply
Women members of SHGs under DAY-NRLM in rural areas.
Status / Deadline
Changed: target of 3 crore met in Feb 2026; new target 6 crore by Mar 2029. Lakhpati Didi is an initiative under DAY-NRLM, not a cash scheme. Viral claims of 'Rs 5 lakh interest-free loan for every woman' are NOT a central rule.
Official Portal
Helpline
Contact block NRLM office
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
What is the Scheme?
Helps rural women in self-help groups (SHGs) earn at least Rs 1 lakh a year, steadily, through training, credit and market links.
Also known as: Lakhpati Didi Yojana
Who is it for?
Women members of SHGs under DAY-NRLM in rural areas.
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | Skills training and business support. | Primary Benefit (DBT/Subsidy) |
| 2 | SHG revolving fund (Rs 20,000 to Rs 30,000 per SHG) and Community Investment Fund via federations. | Direct Support |
| 3 | Bank loans to SHGs with interest subvention as per DAY-NRLM rules. | Direct Support |
| 4 | More than 3.46 crore women counted as Lakhpati Didis by 31 Mar 2026. | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- Member of a DAY-NRLM SHG.
- Rural household.
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Aadhaar
- ✓ SHG membership details
- ✓ Bank account
How to Apply Online (Step-by-Step)
- No individual online form. Information on lakhpatididi.gov.in.
How to Apply Offline
- Join or form an SHG through your village organisation or block NRLM (State Rural Livelihood Mission) office.
- Prepare a livelihood plan with the community resource person.
How to Check Application / Payment Status
- Ask your SHG / block mission office.
Official Website and Helpline Numbers
| Official Portal | https://lakhpatididi.gov.in / https://aajeevika.gov.in ↗ |
|---|---|
| Helpline / Contact | Contact block NRLM office |
| Nodal Ministry | Ministry of Rural Development |
Important Dates & Milestones
3 crore reached Feb 2026; new target 6 crore by Mar 2029. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ Is there a Lakhpati Didi online form?
No central individual form. Work through your SHG.
❓ Do I get Rs 1 lakh from the government?
No. The aim is that you earn Rs 1 lakh a year yourself.
❓ Is there a Rs 5 lakh interest-free loan?
That is not a central rule. Some States run their own loan schemes.
❓ Can urban women join?
DAY-NRLM is for rural areas. Urban women can see DAY-NULM-type State schemes.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
- PIB: 3 crore Lakhpati Didis crossed (Feb 2026): https://www.pib.gov.in/PressReleasePage.aspx?PRID=2227542 [resolves (HTTP 200)] ↗
- Lok Sabha reply 28 Jul 2026: https://sansad.in/getFile/lsapps/loksabhaquestions/annex/188/AS123_3PK8V5.pdf [resolves (HTTP 206)] ↗
- RBI Master Circular on DAY-NRLM: https://rbi.org.in/Scripts/BS_ViewMasCirculardetails.aspx?id=12665 [resolves (HTTP 206)] ↗
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
Related Central Government Schemes
Other central government schemes in the same sector and target audience:
Notice: govtschemes.net is not a government website. We are an independent information site. Always confirm eligibility and apply only on official government portals.