Lakhpati Didi 2026: Eligibility, Benefits & How to Apply
Lakhpati Didi (under DAY-NRLM) (लखपति दीदी (DAY-NRLM के अंतर्गत)) — SHG support to earn ₹1 lakh+ a year · Women in DAY-NRLM self-help groups
SHG support to earn ₹1 lakh+ a year — Women in DAY-NRLM self-help groups
Source: lakhpatididi.gov.in · checked 21 Oct 2026
Lakhpati Didi quick answers
Benefit
- Revolving Fund of ₹20,000 to ₹30,000 per eligible SHG to start internal lending and meet members' immediate credit needs.
- Community Investment Fund (CIF) of up to ₹2.50 lakh per SHG, given to SHGs and their federations for members' livelihood loans.
- Collateral-free bank loans of up to ₹20 lakh for SHGs.
- Interest subvention covering the difference between the bank's lending rate and 7%, on loans to women SHGs up to ₹3,00,000 per SHG.
- Overdraft limit of ₹5,000 for every SHG woman member with a Jan-Dhan account.
- Women Enterprise Acceleration Fund: credit guarantee for loans up to ₹5 lakh (max 5 years) and 2% interest subvention on prompt repayment for loans up to ₹1.5 lakh (max 3 years).
- ₹2 lakh per Producer Group (working capital and infrastructure) for collective sale of produce.
- Training, exposure visits, a household livelihood plan and handholding by Community Resource Persons.
Source: lakhpatididi.gov.in ↗ · 21 Oct 2026
Lakhpati Didi official links
Latest official updates
- 'National Campaign on Entrepreneurship-II' launched (21 Aug – 21 Nov 2026) towards 6 crore Lakhpati Didis, along with the monthly 'Sankalp Shakti' enterprise bulletin.pib.gov.in ↗
- 92 lakh SHGs covering 10.05 crore rural women formed under DAY-NRLM; 3.81 crore SHG members received financial literacy training in FY 2025-26.pib.gov.in ↗
- Rural Development Secretary congratulated States on achieving the milestone of 3 crore Lakhpati Didis; the next target is 6 crore.pib.gov.in ↗
- 700 SHE-MARTs, 1,000 District Fulfilment Centres and Centres of Excellence proposed to give SHG products market access.pib.gov.in ↗
Am I eligible for Lakhpati Didi?
Source: lakhpatididi.gov.in ↗ · 21 Oct 2026
How to apply
Steps
- Be an active member of a women's Self Help Group (SHG) promoted under DAY-NRLM / your State Rural Livelihoods Mission.
- Get identified as a potential Lakhpati Didi through your SHG and its federation, as per the criteria.
- Prepare your household Lakhpati livelihood plan with a Community Resource Person using the digital tool.
- Attend training, capacity building and exposure visits on livelihood models.
- Use CIF, bank credit and linked government schemes to start or expand your livelihood activities.
- Report your livelihood activities and income every six months in the Digital Aajeevika Register.
Source: lakhpatididi.gov.in ↗ · 21 Oct 2026
Lakhpati Didi: questions people ask
Who is a Lakhpati Didi?
A Self-Help Group member whose annual household income is more than Rupees One Lakh (Rs. 1,00,000), with an average monthly income of Rs. 10,000 or more sustained for at least 4 agricultural seasons and/or four business cycles.
What are the criteria for identifying potential Lakhpati Didis?
An SHG member who has completed a minimum of two years and has availed of the Community Investment Fund (CIF), and a beneficiary of livelihood intervention through the mission practising at least two livelihood activities. These criteria are suggestive; States/UTs may devise their own.
What steps have been taken to enable SHG members to become Lakhpati Didis?
Identification of potential Lakhpati Didis, training of Master Trainers and Community Resource Persons, training and exposure visits on livelihood models, a Lakhpati Plan prepared with a digital tool, CRP handholding, and six-monthly income reporting in the Aajeevika Register.
What financial support is available to Self Help Groups and their members?
Revolving Fund of Rs. 20,000–30,000 per SHG, Community Investment Fund up to Rs. 2.50 lakh per SHG, collateral-free bank loans up to Rs. 20 lakh, interest subvention to 7%, a Rs. 5,000 overdraft for Jan-Dhan account holders, and credit guarantee support for women entrepreneurs.
What are Producer Groups and how are they useful for a Lakhpati Didi?
Small groups that aggregate produce at village level and sell it collectively for better prices. The Mission provides Rs. 2 Lakh per Producer Group for working capital and infrastructure; a Lakhpati Didi can join one for collective sale of her produce.
Source: lakhpatididi.gov.in ↗
What changed on this page
· 'National Campaign on Entrepreneurship-II' launched (21 Aug – 21 Nov 2026) towards 6 crore Lakhpati Didis, along with the monthly 'Sankalp Shakti' enterprise bulletin.
· 92 lakh SHGs covering 10.05 crore rural women formed under DAY-NRLM; 3.81 crore SHG members received financial literacy training in FY 2025-26.
· Facts checked against the official sources on 21 Oct 2026.
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