If you are a woman and a permanent resident of India and have an SHG (Self-Help Group), you have a great opportunity to change your life. The government of India launched a scheme named Lakhpati Didi Yojana. The name of the scheme is self-explanatory, as you see, lakhpati means who earns one lakh, and didi means sister. The government wants to help the women of every household who are a part of the SHG (Self-Help Group) by empowering them.
This is not a scheme where you receive money directly in your bank account. The government gives you proper training to help you to produce or make products on your own.
Like you start a business on a small scale, produce or make something, and sell it to the market. The government gives you affordable loans; you have to utilise them, and when you make enough, then you will be called Lakhpati didi.
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Table of Contents
| Details | Information |
| Minisrty | Ministry of Rural Development |
| Beneficiary | The rural women who are associates of an SHG (Self-Help Group). |
| Central or State Scheme | It is a Central Government Scheme, implemented by the State government. |
| Income Goal | Rs 1 Lakh or More for every Household per year. |
| National Target | 3 crore Lakhpati Didi across India. |
| Application Mode | Offline only through SHGs(Self-Help Groups) |
| Official Website | aajeevika.gov.in & nrlm.gov.in |
What is Lakhpati Didi Yojana 2026?
The Lakhpati Didi Yojana is a women’s economic empowerment programme run by the central government. It works through the DAY-NRLM network, which is the government’s biggest rural poverty reduction programme.
As everyone knows, in the village, the poor women are connected through self-help groups, the government tergets that women, and helps them to grow business and starts generate income. Once the income reaches 1 lakh per year, the government calls that woman Lakhpati didi.
Example: A woman lived in a village in West Bengal, and she received free training from the DAY-NRLM on how to make Papad(Indian Snacks). Her Group gets a small loan from the bank, she starts making papad and sells it to the local market, and generates income. When the income touches Rs. 1 lakh per year, the woman is called LakhPati Didi.
Who Is Eligible For Lakhpati Didi Yojana 2026?
- You must be a woman from a rural household in India
- You must be a member of a Self-Help Group(SHG)
- Your self-help group must be active, like you conduct regular meetings and maintain a track record of your savings account.
- Your SHG must be willing to receive training and livelihood activities.
- Your SHG must be linked to an active bank account.
- Women from below the poverty line and the economically weaker can get priority.
- There is no age limit, but you have to be capable of working.
Who Is Not Eligible For Lakhpati Didi Yojana 2026?
- A woman who lives in an urban area is not eligible.
- Women who are not members of the SHG.
- The scheme does not give benefits if you just apply through the online portal; you must be a member of the SHG.
Step-by-Step Guide on How to Apply for Lakhpati Didi Yojana 2026
1. Join SHG if you are not a member
If you are not a member of any SHG, contact your Gram Panchayat office or the nearest woman who is already a member of an active SHG. Or you can also approach your BDO office and ask to be connected to DAY-NRLM staff. They will guide you on how to connect with a nearby SHG or help you form a new one with 10 to 20 women.
2 . Make sure your SHG is affiliated with DAY-NRLM
Your SHG needs to be officially registered and affiliated under the State Rural Livelihood Mission. The Block Mission Management Unit (BMMU) staff or a Bank Mitra will help your group complete this process. Without this affiliation, you cannot access scheme benefits.
3. Make sure you or your team conduct meetings and save consistently
Active SHGs maintain weekly or monthly meetings, collect savings from all members, and do internal leadership. If you and your group maintain a good track record and your team member is a good paymaster, the chance of approval for the scheme is higher.
4. Express your livelihood interest
Tell your group leader and the SRLM coordinator that you want to pursue a livelihood. Do you want training in dairy farming? Tailoring? Handicrafts? Drone operation? Being in a specific category can help the coordinator enrol you in the right training batch.
5. Attend a free skill training programme
Once your SHG is selected for a training batch, please attend all sessions seriously. The training is totally free, keep it in mind, and the skills you gain there are the foundation of your income
6. Apply for bank linkage and micro-credit
When your group has a solid record of savings and repayments, apply through the SHG to the linked bank for a loan to fund your livelihood activity. The SRLM coordinator and bank branch manager will guide the process.
7. Start your livelihood, grow and earn
Use the loan and the training to run your livelihood activity. Sell it on the local market. As your income grows and crosses ₹1 lakh per year, you will be recognised and certified as a Lakhpati Didi.
How to Download the Application Form?
Remember it there is no online process to apply for Lakhpati Didi Yojana.
However, if your block office or SRLM coordinator asks you to fill a form for training enrolment or SHG registration, they will provide that form at the Block Mission Management Unit office or at the Gram Panchayat. No need to download anything from the internet.
If anyone shows any form online, just ignore it; do not trust that person. That is a scam. The process is completely offline.
How to Check Application Status for Lakhpati Didi Yojana?
- As you know, there is no individual online application, and there is no status tracking URL either. To check your status, follow these steps.
- Ask your SHG group leader if your group has been selected for skill training under the Lakhpati Didi initiative.
- Contact the Community Resource Person (CRP) in your village. The CRPs are trained facilitators. who knows which SHGs are being taken up for training and bank linkage
- Visit the Block Mission Management Unit (BMMU) office in your block or area and ask the staff about the status of your group’s training enrolment and bank linkage.
- If you believe your group is being ignored or not getting the support it should, raise a formal grievance at https://pgportal.gov.in/ under the Ministry of Rural Development, DAY-NRLM section.
| Event | Details |
| Application Window | Open year-round. No fixed deadline |
| Skill Training Batches | Rolling batches throughout the year via SRLM |
| Bank Linkage Access | After 3 to 6 months of regular SHG meetings and savings |
Common Reasons for Rejection for Lakhpati Didi Yojana
- Irregular SHG attendance
- Incomplete bank linkage
- Waiting for an online form
- Not expressing livelihood interest
- Group disputes
Frequently Asked Questions (FAQ)
1. Who can apply for Lakhpati Didi Yojana 2026?
Any woman who is from a rural household and is an active member of a Self-Help Group affiliated with the State Rural Livelihood Mission under DAY-NRLM can avail the benefit from this scheme. Priority is given to women from economically weaker families.
2. Is there any application fee for this scheme?
No. The scheme is completely free. If anyone asks you for money to register or apply, they are running a scam. Report them immediately to the authority.
3. How long does it take to become a Lakhpati Didi?
There is no fixed timeline. It depends on how active your SHG is, how quickly you access training and bank linkage, and how well your livelihood activity grows. Some women reach the one-lakh-income goal within two to three years of serious effort.
4. How to check my Lakhpati Didi status?
Ask your SHG leader, Community Resource Person, or BMMU block staff. There is no online status portal for individual applicants.
5. What livelihoods does this scheme support?
The scheme supports a wide range of livelihoods, including dairy farming, livestock management, tailoring, handicrafts, food processing, LED bulb making, and mushroom farming.
6. What is Namo Drone Didi, and is it part of this scheme?
Yes. Namo Drone Didi is a part of the Lakhpati Didi initiative. Under this scheme, SHG women are trained to operate agricultural drones to provide crop-spraying services to local farmers. It is one of the highest-income opportunities under the scheme.
7. Is the loan given under this scheme interest-free? The loan is given through the SHG bank linkage model. Interest rates are significantly lower than what moneylenders charge. Some states also offer interest rate subvention on SHG loans. Ask your SRLM coordinator about the specific rate in your state.
Conclusion
The Lakhpati Didi Yojana 2026 is one of the best schemes for rural women in India. Unlike the other schemes that simply deposit money and end there, the Lakhpati Didi Yojana builds skills, savings habits, credit access, and a steady income through your own hard work.
You can check the most recent article, like Annapurna Yojana, or you can read the article on the Yuva Shakti application.
Nice and informative content