Lakhpati Didi is the government’s mission to help 3 crore women in Self-Help Groups earn at least ₹1 lakh per year in sustainable income. It is not a single cash-benefit scheme — it bundles skill training, interest-subsidised credit, livelihood assets and market linkages, delivered through the DAY-NRLM SHG network.
Key facts
| Goal | 3 crore SHG women earning ₹1 lakh+ per year |
| Who | Women who are members of DAY-NRLM Self-Help Groups |
| Support | Skills training, bank credit up to ₹5 lakh (interest-subvented), livelihood assets, marketing help |
| Famous add-on | Drone Didi — drones to SHG clusters for agri-services income |
| Delivery | Through SHGs, village organisations and cluster federations |
What support a Didi actually gets
- Livelihood planning: the SHG federation helps pick viable activities — dairy, goatery, tailoring, food processing, retail, services
- Training: free skill programmes matched to the chosen livelihood (often via RSETIs and Krishi Sakhi/Pashu Sakhi models)
- Credit: SHG bank linkage loans at subsidised interest; community investment funds for seed capital
- Marketing: SARAS fairs, e-commerce onboarding, and local haat linkages
- Convergence: priority in schemes like Mudra, PM Vishwakarma, PMFME food-processing subsidies
How to become a Lakhpati Didi
- Join an SHG under DAY-NRLM — contact your village SHG, anganwadi worker or block mission office if you are not a member
- Stay active — regular savings and meeting attendance build your credit record
- Work with the community resource person to prepare your livelihood plan
- Access training + SHG loan for your activity
- Scale with repeat credit cycles and market linkages until income crosses ₹1 lakh/year
Contact your block mission management unit to join or upgrade an SHG.
Frequently asked questions
Is there a direct ₹1 lakh payment?
No — beware of videos claiming a “Lakhpati Didi payment”. The ₹1 lakh is the income target the mission helps you reach through livelihoods, not a transfer.
Can urban women join?
The mission runs through rural SHGs (DAY-NRLM). Urban SHG members are covered by the urban livelihoods mission (DAY-NULM) with similar support.
What is Drone Didi?
A sub-initiative giving drones to selected SHG clusters — trained women operators earn by providing spraying and survey services to farmers.
Related schemes
Disclaimer: PMYojanaUpdates.com is an independent information portal, not affiliated with any government department. Always verify details on the official site aajeevika.gov.in before applying.