Executive Summary:
This document presents the status of the Lakhpati Didi scheme under the Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM), a centrally sponsored scheme implemented by the Ministry of Rural Development in partnership with States and UTs (excluding Chandigarh and Delhi). It provides details on the number of beneficiaries and Self-Help Groups (SHGs) involved, along with financial assistance provided. The document includes state-wise data and the NRLM budget for FY 2025-26.
Key Points / Main Content:
* **Lakhpati Didi Initiative:**
* Aims to enable SHG women to earn a minimum income of Rupees one lakh per annum sustainably, with an average monthly income of at least Rs. 10,000 sustained for at least 4 agricultural seasons and/or business cycles.
* 1,48,32,258 SHG households women have become Lakhpati Didis.
* **DAY-NRLM Overview:**
* 10.05 crore rural households organized into 90.90 lakh SHGs.
* Implemented by the Ministry in partnership with States and UTs (except Chandigarh and Delhi).
* **Implementation and Budget:**
* Focuses on individual SHG women, supported by SHGs, Village Organizations (VOs), and Cluster Level Federations (CLFs).
* Emphasizes financial literacy, skill development, and convergence across government departments.
* No separate budget is allocated for the Lakhpati Didi initiative; activities are funded under the DAY-NRLM scheme.
* Additional financial support is facilitated through bank linkage and bank loans.
* **State/UT-wise Data (Annexure I):**
* Provides the number of self-reported Lakhpati Didis for each State/UT.
* **NRLM Budget (Annexure II):**
* Details the State/UT-wise budget of NRLM for the current financial year (FY 2025-26 up to 30.06.2025).
Impact Analysis:
* **SHG Women:**
* Impact: Opportunity to enhance livelihoods and achieve a minimum annual income of one lakh rupees.
* Action Required: Engage in training, skill development, and entrepreneurial activities to increase income.
* **State and UT Governments:**
* Impact: Responsible for implementing and monitoring the Lakhpati Didi initiative within their jurisdictions.
* Action Required: Utilize NRLM funds effectively, facilitate bank linkages, and promote convergence with other government programs.
* **Ministry of Rural Development:**
* Impact: Oversees the DAY-NRLM scheme and the Lakhpati Didi initiative.
* Action Required: Provide guidance, allocate funds, and monitor the progress of the initiative across States and UTs.
* **Self-Help Groups (SHGs), Village Organizations (VOs), and Cluster Level Federations (CLFs):**
* Impact: Central to planning, implementation, and monitoring of the Lakhpati Didi initiative.
* Action Required: Spearhead engagements, support SHG women in achieving income goals through financial literacy, skill development, and entrepreneurial capacity building.
Key Entities Referenced
Lakhpati Didi Scheme: A scheme focused on empowering Self Help Group (SHG) women to earn a minimum annual income of Rupees one lakh.
Ministry of Rural Development: The Indian government ministry responsible for implementing the Lakhpati Didi Scheme and the Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM).
DeendayalAntyodayaYojanaNational Rural Livelihoods Mission DAYNRLM: A centrally sponsored scheme implemented by the Ministry of Rural Development to improve the livelihoods of poor rural households and organize them into Self-Help Groups (SHGs).
SelfHelp Groups SHGs: Groups of rural households organized for social and financial inclusion under the DAY-NRLM.
Chandigarh: Union Territory of India, excluded from the partnership of States and UTs in the implementation of DAYNRLM.
Delhi: A Union Territory of India, excluded from the partnership of States and UTs in the implementation of DAYNRLM
Andhra Pradesh: A state in India with significant involvement in the Lakhpati Didi Scheme and NRLM.
Bihar: A state in India with significant involvement in the Lakhpati Didi Scheme and NRLM.
O.I.H.
GOVERNMENT OF INDIA
MINISTRY OF RURAL DEVELOPMENT
DEPARTMENT OF RURAL DEVELOPMENT
LOK SABHA
UNSTARRED QUESTION NO. 374
ANSWERED ON 22/07/2025
LAKHPATI DIDI SCHEME
374. SHRI GIRIDHARI YADAV:
SHRI DINESH CHANDRA YADAV:
SMT. LOVELY ANAND:
Will the Minister of RURAL DEVELOPMENT be pleased to state:
(a) the details of current status of LakhpatiDidi scheme;
(b) the number of beneficiaries covered under the said scheme,
State-wise; and
(c) the number of Self-help Groups included under the said scheme
and the quantum of financial assistance provided by the
Government to them so far, State-wise?
ANSWER
MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT
(DR. CHANDRA SEKHAR PEMMASANI)
(a) & (b): LakhpatiDidi initiative is an outcome of
DeendayalAntyodayaYojana-National Rural Livelihoods Mission
(DAY-NRLM), a Centrally Sponsored Scheme being implemented by
Ministry in partnership of States and UTs (except Chandigarh and
Delhi), with the objective to improve the livelihoods of poor rural
households in country, and organise rural households into Self-Help
Groups (SHGs) for their social and financial inclusion. So far, 10.05
crore rural households have been organised into 90.90 lakh SHGs in
country under DAY-NRLM. LakhpatiDidi initiative is to empower and
enable Self-Help Groups (SHG) Women, earn a minimum income of
Rupees one lakh per annum on a sustainable basis, with an average
monthly income of at least Rs. 10,000 (Rupees Ten Thousand)
sustained for at least 4 agricultural seasons and/or business
cycles. So far 1,48,32,258 SHG households women have become
LakhpatiDidis. The State/UT- wise details are at Annexure-I.
Page 1 of 4(c): The LakhpatiDidi initiative focusses on the individual SHG
women and not on the Self-Help Group (SHG). However, in the entire
process of planning, implementation and monitoring, the community
institution structures i.e. SHGs, Village Organizations (VOs) and
Cluster Level Federations (CLFs) spearhead the engagements. A
structured approach has been adopted to make the SHG women
LakhpatiDidi. The initiative also aims on enhancing financial
literacy, skill development and convergence across government
departments as well as building entrepreneurial capacity among
SHG women, for social and financial inclusion.
There is no separate budget allocated for the LakhpatiDidi
initiative. All activities of LakhpatiDidi initiative for e.g. training and
capacity building, financial assistance including seed funding, are
funded under the DAY-NRLM Scheme. For additional financial
requirements, support to SHG Members is facilitated through bank
linkage and bank loan. The State/UT- wise budget of NRLM for the
current financial year is at Annexure-II.
*****
Page 2 of 4ANNEXURE I
ANNEXURE REFERRED TO IN REPLY OF PART (a) and (b) OF LOK
SABHA UNSTARRED QUESTION NO. 374 TO BE ANSWERED ON
22.07.2025 REGARDING “LAKHPATI DIDI SCHEME”.
Sl. No State/UT No. of Self-reported LakhpatiDidi
1 ANDAMAN AND NICOBAR 411
2 ANDHRA PRADESH 17,41,362
3 ARUNACHAL PRADESH 7,680
4 ASSAM 5,58,829
5 BIHAR 14,47,750
6 CHHATTISGARH 4,32,303
7 DNH AND DAMAN DIU 1,872
8 GOA 1,556
9 GUJARAT 6,06,805
10 HARYANA 58,577
11 HIMACHAL PRADESH 82,176
12 JAMMU AND KASHMIR 52,203
13 JHARKHAND 4,81,940
14 KARNATAKA 2,54,698
15 KERALA 4,12,441
16 LADAKH 51,736
17 LAKSHADWEEP -
18 MADHYA PRADESH 12,84,957
19 MAHARASHTRA 22,69,981
20 MANIPUR 13,302
21 MEGHALAYA 44,324
22 MIZORAM 17,161
23 NAGALAND 11,000
24 ODISHA 7,80,996
25 PUDUCHERRY 7,238
26 PUNJAB 31,191
27 RAJASTHAN 4,27,865
28 SIKKIM 7,847
29 TAMIL NADU 5,63,242
30 TELANGANA 8,00,407
31 TRIPURA 61,478
32 UTTAR PRADESH 11,15,982
33 UTTARAKHAND 43,266
34 WEST BENGAL 11,59,682
Total 1,48,32,258
Page 3 of 4ANNEXURE II
ANNEXURE REFERRED TO IN REPLY OF PART (c) OF LOK SABHA
UNSTARRED QUESTION NO. 374 TO BE ANSWERED ON 22.07.2025
REGARDING “LAKHPATI DIDI SCHEME”.
NRLM (FY 2025-26) (Up to 30.6.2025)
(Rs. in Lakhs)
SL State/UT Central Central Releases
No Allocation
1 Andhra Pradesh 41406.07
2 Bihar 168858.74 42214.69
3 Chhattisgarh 37504.59 9376.15
4 Goa 1200.00 300.00
5 Gujarat 26718.87
6 Haryana 15719.20 3929.54
7 Himachal Pradesh 6619.94 1654.99
8 Jammu & Kashmir 8180.53 2045.13
9 Jharkhand 63669.70 15917.43
10 Karnataka 53601.35
11 Kerala 24050.76
12 Madhya Pradesh 80345.40
13 Maharashtra 105956.75 26489.19
14 Odisha 81188.62 20297.16
15 Punjab 7639.36 1909.84
16 Rajasthan 40701.29
17 Tamil Nadu
62763.55 15690.89
18 Telangana 29575.76
19 Uttar Pradesh 243100.19
20 Uttarakhand 12799.38 3199.85
21 West Bengal 90224.95 22556.24
22 A&N Islands 950.00
23 Daman & Diu and D&N
700.00
Haveli
24 Lakshadweep 400.00
25 Ladakh 1000.00
26 Pondicherry 2400.00 600.00
27 Arunachal Pradesh 10076.47 2519.12
28 Assam 51535.06
29 Manipur 17552.57
30 Meghalaya 19665.38 4916.35
31 Mizoram 4550.69 1137.68
32 Nagaland 13489.47 3372.37
33 Sikkim 5038.24 1259.57
34 Tripura 31692.12
Total 1360875.00 179386.19
*****
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