Lakhpati Didi Yojana: What It Is and Who Qualifies

Lakhpati Didi Yojana kya hai?

According to a PIB backgrounder of 29 August 2024, a Lakhpati Didi is an SHG member whose household earns Rs 1,00,000 or more a year. The income is measured over at least four agricultural seasons and/or business cycles, with average monthly income above Rs 10,000.

So the name describes a goal for the woman's household income, not a payment from the government. The aim is to help rural women raise their earnings through farming, livestock, small businesses and other livelihoods, with training and credit through their SHG.

Is it a Rs 1 lakh cash scheme? No

This is the most common confusion. PIB is clear that there is no fixed amount paid to women under Lakhpati Didi. Unlike cash transfer schemes such as Ladki Bahin Yojana in Maharashtra or Ladli Behna Yojana in Madhya Pradesh, nothing is credited monthly to your account just for being enrolled.

If someone promises you Rs 1 lakh under Lakhpati Didi in return for a fee or your bank details, it is not how the scheme works. Do not pay, and do not share your Aadhaar, OTP or bank details. This site never asks for them either.

What support SHG women can get

According to PIB (29 August 2024), support comes through the SHG system. All amounts below are from that backgrounder:

Note that the funds and loans go to and through the SHG, not as a personal grant. Loans have to be repaid.

How to become a Lakhpati Didi: steps

There is no individual cash-benefit application form. Based on the PIB description, this is how women take part:

1. Join or form a Self Help Group in your village under your State Rural Livelihood Mission (often called Aajeevika). Ask your gram panchayat or the block office for the local mission staff.
2. Take part in SHG meetings, savings and training regularly.
3. SHG members are identified as potential Lakhpati Didis through a consultative process, and their progress is tracked in the Digital Aajeevika Register.
4. Make a livelihood plan with your CRP: for example, farming, livestock or a small enterprise.
5. Use SHG funds and bank linkage for credit, and grow income until your household crosses Rs 1 lakh a year.

The official site has a page called How do I become a Lakhpati Didi, linked from PIB. We could not open it during research, so if its steps look different, follow the official page.

Lakhpati Didi Yojana online apply: why to be careful

Many websites show a "Lakhpati Didi Yojana online apply" form. Since the scheme works through SHG membership and identification, and pays no fixed cash benefit, such pages are misleading. Do not fill forms on blogs, pay "registration fees" or send documents on WhatsApp. Join through your local SHG and State Rural Livelihood Mission staff instead.

For general information, use the official Lakhpati Didi site or the National Portal spotlight.

Targets and progress

• Original target: 3 crore Lakhpati Didis; over 1 crore achieved by August 2024 (PIB, 29 August 2024).
• 18 February 2026: Union Minister Shivraj Singh Chouhan directed officials to work toward 6 crore Lakhpati Didis (All India Radio News).
• 17 July 2026: the government said it had crossed 3 crore Lakhpati Didis, with the target now 6 crore, and over 10 crore rural women mobilised into SHGs (PIB).

We could not find an official current count after July 2026.

Lakhpati Didi in Maharashtra, MP and Rajasthan

People search for "Lakhpati Didi Yojana Maharashtra", "MP" or "Rajasthan". It is a national DAY-NRLM initiative carried out through each state's Rural Livelihood Mission, so the joining route is the same everywhere: through your village SHG. We do not have verified state-wise figures, so ask your block office for local details.

Women may also qualify for other schemes. Pregnant women can check PMMVY, families with a daughter can look at Sukanya Samriddhi Yojana, and artisans can read about PM Vishwakarma.