The Lakhpati Didi Yojana is a transformative initiative by the Government of India aimed at uplifting rural and semi-urban women by fostering entrepreneurship and financial independence. Launched under the Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM), the scheme targets women associated with Self-Help Groups (SHGs) to help them achieve a sustainable annual household income of ₹1 lakh or more . Below is a detailed guide on its objectives, eligibility, benefits, and application process.
Key Objectives of Lakhpati Didi Yojana
- Economic Empowerment: Enable women to start or expand income-generating activities like tailoring, dairy farming, food stalls, and drone-assisted agriculture .
- Skill Development: Provide training in technical fields such as plumbing, LED bulb manufacturing, and drone operation .
- Financial Inclusion: Offer collateral-free loans and interest subsidies to reduce dependency on informal credit sources .
- Sustainable Livelihoods: Ensure income stability through diversified activities validated over four agricultural/business cycles .
Eligibility Criteria– Lakhpati Didi Yojana odisha
To qualify for the scheme, applicants must meet the following conditions:
- Age: 18–50 years .
- SHG Membership: Must be an active member of a registered Self-Help Group for at least two years .
- Income Threshold: Family annual income below ₹1 lakh; no family member should hold a government job or be a taxpayer .
- Residency: Permanent resident of India .
Note: Some state-specific variations exist. For instance, Rajasthan’s version requires family income under ₹3 lakh .
Benefits of the Scheme – Lakhpati Didi Yojana odisha
- Financial Assistance:
- Collateral-free loans up to ₹5 lakh for business ventures .
- Interest subsidy on loans up to ₹3 lakh, reducing effective rates to 7% .
- Overdraft facility of ₹5,000 for SHG-linked Jan Dhan accounts .
- Skill Development:
- Training in modern technologies like drone operation, plumbing, and agro-processing .
- Access to Namo Drone Didi Scheme, offering 80% subsidy (up to ₹8 lakh) for purchasing drones for agricultural services .
- Social Impact:
- Enhanced financial literacy and market access .
- Improved bargaining power and community leadership roles for women .
How to Apply – Lakhpati Didi Yojana odisha
Online Process (Pending Official Portal Launch)
- Visit the official website (to be announced) .
- Click “Apply Now” and fill in personal/SHG details.
- Upload documents: Aadhaar, PAN, income proof, bank passbook, and photograph .
Offline Process – Lakhpati Didi Yojana odisha
- Step 1: Join a local SHG if not already a member .
- Step 2: Prepare a business plan and collect required documents.
- Step 3: Submit the application form at the nearest SHG office, Anganwadi center, or Women and Child Development Department .
- Step 4: Attend verification and training sessions .
Required Documents – Lakhpati Didi Yojana odisha
- Aadhaar Card (identity/address proof)
- PAN Card (financial verification)
- Income Certificate (family income below ₹1 lakh)
- Bank Passbook (for loan disbursal)
- SHG Membership Proof .
Impact and Challenges – Lakhpati Didi Yojana odisha
- Success Stories: Over 1 crore women have become “Lakhpati Didis,” with SHGs contributing to rural job creation and poverty reduction .
- Challenges:
- Socio-cultural barriers like patriarchy and low digital literacy .
- Regional disparities in SHG participation (68% in South India) .
Conclusion – Lakhpati Didi Yojana odisha
The Lakhpati Didi Yojana is more than a financial scheme—it’s a movement to redefine women’s roles in rural economies. By combining loans, training, and technology, it empowers women to break cycles of poverty and emerge as community leaders. Eligible women are encouraged to join SHGs and apply through the designated channels to unlock this life-changing opportunity.
For updates, visit the official portal (https://lakhpatididi.gov.in/) or contact the helpline at 011-23461708 .
(Thank you!)
