Lok Sabha Question No. 330 (STARRED), answered on 2025-08-12
Subject: Lakhpati Didi Yojana
Ministry: RURAL DEVELOPMENT
Asked by: Smt. Roopkumari Choudhary, Shri Dineshbhai Makwana

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA STARRED QUESTION NO. 330 ANSWERED ON 12/08/2025

## LAKHPATI DIDI YOJANA

- *330. Shri Dineshbhai Makwana: Smt. Roopkumari Choudhary:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the total number of women benefited from the 'Lakhpati Didi' Yojana since its launch in the country particularly in Himachal Pradesh, State and district-wise;
- (b) whether the Government proposes to expand the scope of the scheme  to  include  aspects  such  as  digital  literacy,  market
- linkages and financial inclusion;
- (c) if  so, the detailed roadmap for this expansion and the targets set for States like Maharashtra and districts under Jalgaon Lok Sabha Constituency;
- (d) whether  the  Government  is  taking  initiatives  to  ensure  easy access to credit, microfinance and skill training  for Self-Help Groups (SHGs) women under this scheme; and
- (e) if  so,  the  mechanisms  in  place  to  monitor  the  progress  and overall socio-economic impact, especially in rural and aspirational districts?

ANSWER MINISTER OF RURAL DEVELOPMENT (SHRI SHIVRAJ SINGH CHOUHAN)

- (a) to (e):       A statement is laid on the Table of the House.

STATEMENT REFERRED TO IN REPLY TO PARTS (a) to (e) OF LOK SABHA  STARRED  QUESTION  NO.  *330  TO  BE  ANSWERED  ON 12.08.2025 REGARDING 'LAKHPATI DIDI YOJANA'

- (a): Lakhpati  Didi  is  an  initiative  and  an  outcome  of  Deendayal Antyodaya YojanaNational Rural Livelihoods Mission (DAYNRLM).  So  far,  1,48,32,258  SHG  women  have  been  enabled  as Lakhpati Didis. In the State of Himachal Pradesh, 82,176 Lakhpati Didis  have  been  enabled.  District-wise  data  are  not  maintained  at Ministry  level.  The  State/UT-  wise  details  in  this  regard  are  at Annexure I.
- (b) & (c): The objective of Lakhpati Didi 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, for at least 4 agricultural seasons and/ or business cycles.  The initiative focusses on the individual SHG women and not on the SHG Group. 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  members  Lakhpati.    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.

DAY-NRLM  has  promoted  about  5  lakhs  e-bookkeepers  and trained to digitize SHG books of records. Multiple rounds of trainings have been provided physically and a Learning Management System established  for  self-leaning  on  updates  made  available  for  the  eBookkeepers. "Vidyut Sakhi" 'Digi-Pay Sakhi' and "Drone Didi" are also promoted from SHG Didi to provide services to the community. These initiatives are supporting for accessing digital services at the village level.

The Ministry has undertaken tie-ups with eCommerce Players for promotion of SHG products. Also, Memorandum of Understandings (MoUs) have been entered between the Ministry and Flipkart Internet Pvt.  Ltd.,  Amazon,  Fashnear  Technologies  Pvt.  Ltd.  (Meesho)  and Jiomart respectively to allow the Self Help Groups (SHGs) producers including  the  artisans,  weavers  and  craftsmen  to  access  national markets  through  the  Flipkart  Samarth  programme,  Amazon  Saheli initiative, Meesho and Jiomart for marketing of SHGs products. An eCommerce  platform  (www.esaras.in)  is    operational  for  online

marketing of SHG products. e-SARAS is also live as a Seller Network Participant on ONDC. Curated products of women SHGs are available on the Apps of ONDC network.

DAY-NRLM also facilitates universal access to the affordable cost-effective reliable financial services to the poor and it works on both  demand  and  supply  sides  of  financial  inclusion  by  promoting financial literacy among the poor and providing catalytic capital to the SHGs and their federations. The promotion of digital finance is done through deployment of SHG Women as Banking Correspondent Sakhi (BC Sakhi),  with the  support of  banks  and  Common  Service Centers. Presently, more than 1.44 lakh women members of SHGs have been identified, trained, and deployed as BC Sakhi.

For  the  Lakhpati  Didi  initiative,  All  States/  UTs  have  been provided targets and the State Rural Livelihood Missions have made and monitoring. Maharashtra State has been given a target of 17.42 lakh lakhpati  Didis,  against  which,  37.13  lakh  Potential  Lakhpati  Didis

State specific strategy for its planning, implementation have been identified. Constituency-wise data is not maintained.

(d) & (e): The Department has taken steps for easy accessibility of bank credit to women SHG members.  All Public Sector Banks and one Private Bank i.e. IDBI Bank Ltd  have designed specific products for financing to women SHG members and MoU has also been signed with these banks.

The Ministry has developed the following monitoring mechanisms to track and evaluate the overall implementation of  DAY-NRLM activities:

- Monitoring through MIS data: DAY-NRLM has a centralized MIS in which data entry is enabled right from the block level. The MIS data is used for monitoring progress at various levels of
-  program implementation.
-  Reviews with the SRLMs: All states' performance is reviewed on a quarterly basis at the senior level of administration. This gives an opportunity to bring out pending issues or areas that are lagging behind and act upon them.
-  Performance  Review  Committee:  The  performance  of  the programme is also reviewed with Secretary (Rural Development) of States/UTs on annual basis during the Performance Review Committee Meetings of the Ministry.
- 
- National Level Monitors, Common Review Missions and Officers of  the  Ministry  visit  States/UTs  at  regular  interval  to  review

implementation  of  the  programme.  After  the  field  visits,  the findings/shortcomings  and  recommendations  are  shared  with the States/UTs for appropriate action.

Under DAY-NRLM, the Ministry of Rural Development implements Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY) and Rural Self Employment Training Institutes (RSETI) programmes, for skill  development  of rural poor youth  through their employment to eradicate poverty in the country.

DDU-GKY is a placement-linked skill development programme for rural poor youth in the age group of 15-35 years. It empowers the rural poor youth with employable skills and facilitates their participation in regular labour markets.

RSETI is a Ministry of Rural Development funded training institute established  by  the  sponsoring  Banks  in  their  Districts,  to  provide training  for  skill  and  entrepreneurship  development.  The  Ministry extends financial support for the construction of RSETI building and also bears the cost of training the 'rural poor' candidates. There is also a provision for training at RSETI to any unemployed youth in the age  group  of  18-50  year  having  an  aptitude  to  take  up  selfemployment or wage employment.

In  the  country,  under  DDU-GKY  a  total  of  17,50,784  candidates have been trained, and a total of 11,48,247 candidates have been placed, and under RSETI, a total of 56,69,265 candidates have been trained, and a total of 40,99,578 candidates have been settled since inception till June 2025.

*****

ANNEXURE I ANNEXURE REFERRED TO IN REPLY OF PART (a) OF LOK SABHA STARRED QUESTION NO. 330 REGARDING 'LAKHPATI DIDI YOJANA' TO BE ANSWERED ON 12.08.2025

## State/UT-wise number of SHG women self-declared as Lakhpati Didis

-

| Sl. NoState/UT   | Sl. NoState/UT      |             |
|------------------|---------------------|-------------|
| 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 |

*****