Lakhpati Didi Yojana 2026: Women Earn Rs 1 Lakh Per Year + Rs 5 Lakh Loan All India, Apply Online

Lakhpati Didi Yojana 2026: Women Earn Rs 1 Lakh Per Year + Rs 5 Lakh Loan - All India Complete Guide Introduction: The Most Viral Women Earning Yojana in India in 2026 - Become Lakhpati from SHG If you are a woman who is a member of Self Help Group (SHG) or wants to join SHG and wants to earn Rs 1 Lakh or more per year (Rs 8000-10000 per month) via agriculture, tailoring, dairy, food processing, drone, etc., with Rs 5 Lakh loan at low interest and free skill training, then Lakhpati Didi Yojana 2026 is for you. Lakhpati Didi Yojana is currently the most viral, most searched, and most beneficial women income yojana in India in 2026. Launched by Prime Minister Narendra Modi on 15th August 2023 (announced in Independence Day speech), this scheme aims to make 3 crore women in rural India Lakhpati Didis - Women who earn Rs 1 Lakh or more per year through SHGs. As of May 2026, more than 1 crore women have already become Lakhpati Didis, and target is 3 crore by 2027-28. This is part of DAY-NRLM (Deendayal Antyodaya Yojana - National Rural Livelihoods Mission) under Ministry of Rural Development. The best part: This is an All India yojana - Applicable in all states and UTs - West Bengal, Bihar, UP, Maharashtra, Tamil Nadu, Karnataka, Rajasthan, Gujarat, Delhi, Assam, MP, Kerala, Punjab, Haryana, etc. Any woman who is part of SHG or joins SHG can become Lakhpati Didi. If you want to become self-reliant, earn Rs 1 Lakh per year, and get Rs 5 Lakh loan, this yojana can change your life. In this 2500-word detailed article, we will explain everything about Lakhpati Didi Yojana 2026. What is Lakhpati Didi Yojana? Full Details and Objective Full Name: Lakhpati Didi Yojana / Lakhpati Didi Scheme (Part of DAY-NRLM - Deendayal Antyodaya Yojana - National Rural Livelihoods Mission) Launched: 15th August 2023 by PM Narendra Modi (announced on Independence Day) Ministry: Ministry of Rural Development, Government of India - Implemented via DAY-NRLM and State Rural Livelihoods Missions (SRLMs) - In West Bengal: Anandadhara (West Bengal State Rural Livelihoods Mission), In UP: UP SRLM, In Bihar: Jeevika, etc. Budget: For 3 crore Lakhpati Didis - Huge budget via NRLM Target: 3 Crore women to become Lakhpati Didi (earn Rs 1 Lakh+ per year) by 2027-28 - Already 1 crore achieved as of May 2026 Official Website: lakhpatididi.gov.in (Main portal) + nrlm.gov.in + respective state SRLM websites What is Lakhpati Didi? Definition: A Lakhpati Didi is a Self Help Group (SHG) member who earns Rs 1 Lakh (Rs 100000) or more per year from at least 4 agriculture and livelihood activities like agriculture, animal husbandry, tailoring, food processing, etc., and whose income is sustainable (not one-time). Objective: - To make 3 crore rural women earn Rs 1 Lakh+ per year and become self-reliant - To empower women via SHGs, skill training, and credit linkage - To reduce poverty and increase family income in rural areas - To promote women entrepreneurship - To make women active participants in economic development Benefits: What Will You Get? Why is it Most Viral? 1. Earn Rs 1 Lakh+ Per Year (Rs 8000-10000+ per month) - Sustainable Income: - You will be trained and supported to do at least 4 income-generating activities like agriculture, dairy, tailoring, food processing, etc., so that your annual income is Rs 1 Lakh or more - Income is not one-time, but sustainable every year - Average Lakhpati Didi earns Rs 1.2-1.5 Lakh per year 2. Loan Up to Rs 5 Lakh at Low Interest (Revolving Fund + Community Investment Fund + Bank Linkage): - Under DAY-NRLM, SHG women get: - Revolving Fund (RF): Rs 15000-20000 per SHG - Community Investment Fund (CIF): Rs 1.1 Lakh per SHG - Bank Linkage Loan: Up to Rs 5 Lakh per SHG at 7% interest (or less after interest subvention - Effective interest 4-5%) - So you can get loan up to Rs 5 Lakh to start business - Dairy, tailoring shop, food processing unit, etc. 3. Free Skill Training: - Free training in various livelihood activities: - Agriculture: Organic farming, vegetable cultivation, etc. - Animal Husbandry: Dairy, poultry, goat rearing, etc. - Tailoring: Stitching blouse, salwar, etc. - Food Processing: Pickle making, papad making, etc. - Drone Didi: New - Women trained as drone pilots to spray pesticides in fields - Earn Rs 1000 per day as drone pilot - Most viral - Solar Didi, Pashu Sakhi, Krishi Sakhi, Bank Sakhi, Bima Sakhi, etc. - Various Sakhi roles with training and stipend 4. Support for Marketing: - Government helps you sell your products via Saras Mela, e-commerce, etc. - Your products get market linkage via NRLM 5. Insurance and Social Security: - SHG women get insurance under PM Jeevan Jyoti Bima Yojana, PM Suraksha Bima Yojana, etc. 6. Recognition and Certificate: - Once you become Lakhpati Didi (earn Rs 1 Lakh+), you get certificate from government, recognition at Block, District, State level, and invitation to meet PM, etc. 7. Drone Didi - Most Viral Sub-Scheme: - Under Lakhpati Didi, Drone Didi scheme - 15000 women to be trained as drone pilots - Women get drone worth Rs 8-10 Lakh (80% subsidy) + training as drone pilot + Earn Rs 1000 per day by renting drone to farmers for spraying pesticides - 15 minutes spraying per acre, charge Rs 300-500 per acre - Earn Rs 5000-10000 per day during season Who is Eligible? Full Eligibility Criteria All India 2026 1. Gender: Must be a woman - Only women can become Lakhpati Didi (SHG is women-only) 2. SHG Membership: Must be a member of Self Help Group (SHG) under DAY-NRLM / State Rural Livelihoods Mission - If you are not in SHG, you can join SHG via your Gram Panchayat / Block office - SHG is group of 10-12 women from same village who save money and do activities together 3. Age: 18 years and above - No upper limit - Usually 18-60 years 4. Residence: Must be resident of rural area (for NRLM) - But urban SHGs under DAY-NULM also covered in some states - So both rural and urban women eligible - All states and UTs eligible 5. Income: No income limit - But priority to poor families, BPL families, SC/ST/OBC families - Any woman in SHG can become Lakhpati Didi if she earns Rs 1 Lakh+ 6. Livelihood Activities: Must be willing to do at least 4 livelihood activities (as per NRLM) - Example: 1) Agriculture, 2) Dairy, 3) Tailoring, 4) Food processing - Or any 4 activities from list of 10-15 activities - You will be trained 7. One Per Family: Usually one Lakhpati Didi per family, but multiple women from same family can become Lakhpati Didi if they are in different SHGs and have separate income Documents Required 1. Aadhaar Card (mandatory) 2. Bank Passbook - First page with account number, IFSC, in SHG member's name, Aadhaar linked (for loan and benefits) (mandatory) 3. SHG ID Card / SHG Membership Proof (from Block office / VO / CLF) 4. Ration Card (optional) 5. Passport Size Photo (recent) 6. Mobile Number (Aadhaar linked) 7. Residence Certificate (optional) 8. Caste Certificate (if SC/ST/OBC) - For priority 9. Income Certificate (optional) 10. SHG Bank Account Details - SHG has its own bank account How to Apply / How to Become Lakhpati Didi? Step-by-Step All India 2026 Lakhpati Didi is not a direct application scheme like you apply and get money - You become Lakhpati Didi by joining SHG and increasing your income via SHG support - Process: Step 1: Join Self Help Group (SHG) - If Not Already Member - If you are already a member of SHG (under DAY-NRLM / Anandadhara in WB / Jeevika in Bihar / UP SRLM in UP, etc.), you are already eligible - Go to Step 2 - If you are not a member, join SHG: - Visit your Gram Panchayat office or Block office (Block Rural Development Office) - Ask for SHG formation - Tell them you want to join SHG or form new SHG with 10-12 women from your village - SHG formation is done by Village Organization (VO) and Cluster Level Federation (CLF) under NRLM - You need 10-12 women from same village, willing to save Rs 50-100 per month and do activities together - Fill SHG membership form - Name, Aadhaar, bank account, etc. - Submit at Block office - SHG will be registered and you get SHG ID - Process takes 15-30 days Step 2: Attend SHG Meetings and Save Money - Attend weekly SHG meetings - Save Rs 50-100 per week or per month in SHG common fund - SHG has its own bank account where savings deposited Step 3: Get Revolving Fund (RF) and Community Investment Fund (CIF) - After 3-6 months of regular savings and meetings, your SHG gets Revolving Fund Rs 15000-20000 from NRLM via Block office - After some more time and grading, your SHG gets Community Investment Fund (CIF) Rs 1.1 Lakh - This fund is given to SHG to give small loans to members for livelihood activities Step 4: Get Skill Training from NRLM - NRLM via Block office organizes free skill training for SHG women in various activities: - Krishi Sakhi Training: Training in agriculture, organic farming, etc. - Become Krishi Sakhi and earn Rs 3000-5000 per month by helping farmers - Pashu Sakhi Training: Training in animal husbandry, dairy, etc. - Become Pashu Sakhi and earn by providing veterinary services - Drone Didi Training: Training as drone pilot - 15 days training at ITI or drone school - Get drone pilot license - Most viral - Earn Rs 1000 per day - Bank Sakhi, Bima Sakhi, etc. - Various Sakhi roles - Tailoring, food processing, etc. - General livelihood training - Attend training - Free, plus stipend Rs 500 per day during training in some cases Step 5: Get Bank Linkage Loan Up to Rs 5 Lakh - After training and planning your livelihood activities (you need to plan at least 4 activities to earn Rs 1 Lakh+), your SHG can apply for bank linkage loan up to Rs 5 Lakh at low interest (7% or less) - Loan process: - SHG prepares Micro Credit Plan (MCP) - Plan of what activities members will do and how much loan needed - Submit MCP to Block office and Bank (via VO/CLF) - Bank verifies and sanctions loan up to Rs 5 Lakh to SHG - SHG distributes loan to members as per need - You get loan Rs 50000-100000 for your activities - Example: Rs 50000 for buying 2 cows for dairy, Rs 20000 for sewing machine, etc. Step 6: Start Livelihood Activities and Earn - Start your 4+ livelihood activities: - Example of 4 activities to earn Rs 1 Lakh+ per year: 1) Agriculture: Grow vegetables on 0.5 acre - Earn Rs 30000 per year 2) Dairy: 2 cows - Milk 10 liters per day - Earn Rs 50000 per year (after expenses) 3) Tailoring: Stitch blouses - Earn Rs 20000 per year 4) Food Processing: Make pickle, papad - Earn Rs 20000 per year Total: Rs 120000 per year = You become Lakhpati Didi - Or Drone Didi: Earn Rs 1000 per day x 100 days in a year = Rs 100000 per year from drone alone + other activities = Lakhpati - Maintain records of income - NRLM has system to track income via mobile app - Your income is recorded in Lakhpati Didi portal lakhpatididi.gov.in Step 7: Become Lakhpati Didi - Get Certificate - Once your annual income crosses Rs 1 Lakh from sustainable livelihood activities, your Block office and NRLM verifies your income (via field visit, bank statement, etc.) - If verified, you are declared as Lakhpati Didi on lakhpatididi.gov.in portal - You get certificate, recognition, and your name appears on portal - You are invited for functions at Block, District, State level - You become role model for other women Step 8: Continue and Increase Income - Continue activities and increase income to Rs 1.5-2 Lakh per year - Help other SHG women become Lakhpati Didi Important Dates 2026: - Scheme Launched: 15th Aug 2023 - Target: 3 Crore Lakhpati Didis by 2027-28 - As of May 2026, 1 crore+ Lakhpati Didis already achieved - Registration: Continuous - You can join SHG anytime in 2026 and start process - No last date - Scheme ongoing till 2028 Cost and Subsidy Details - Membership: Free to join SHG - No fee - Savings: Rs 50-100 per week/month in SHG fund (your own savings, refundable) - Revolving Fund: Rs 15000-20000 per SHG - Free grant from NRLM, not loan - Community Investment Fund: Rs 1.1 Lakh per SHG - Free grant - Bank Loan: Up to Rs 5 Lakh at 7% interest (effective 4-5% after interest subvention) - Repayable in 3-5 years - Drone: For Drone Didi, drone worth Rs 8-10 Lakh with 80% subsidy - You pay Rs 2 Lakh (can be via loan) + training free - Overall, you get free grants + low interest loan + free training Common Problems and Solutions - Problem: I am not in SHG, how to join? - Solution: Visit Gram Panchayat or Block office - Ask for SHG Jagrukta or SHG formation - They will help you form or join SHG with 10-12 women - Problem: My SHG not getting RF/CIF/Loan - Solution: Ensure regular meetings, regular savings, proper bookkeeping - Contact VO, CLF, Block Mission Manager for help - Problem: I want to become Drone Didi - How? - Solution: Contact Block office - Tell them you want to become Drone Didi - They will select women based on education