Lok Sabha Question No. 3503 (UNSTARRED), answered on 2024-12-17
Subject: Lakhpati Didi under DAY-NRLM
Ministry: RURAL DEVELOPMENT
Asked by: Dr. Shrikant Eknath Shinde, Shri Ravindra Dattaram Waikar, Smt. Shambhavi, Shri Naresh Ganpat Mhaske

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT DEPARTMENT OF RURAL DEVELOPMENT

## LOK  SABHA

## UNSTARRED QUESTION NO. 3503

## ANSWERED ON 17/12/2024

## LAKHPATI DIDI UNDER DAY-NRLM

3503. SMT. SHAMBHAVI:

SHRI RAVINDRA DATTARAM WAIKAR:

SHRI NARESH GANPAT MHASKE:

DR. SHRIKANT EKNATH SHINDE:

Will the Minister of RURAL DEVELOPMENTbe pleased to state:

- (a) the  manner  in  which  the  "LakhpatiDidi"  initiative  under  the DeendayalAntyodayaYojana  National  Rural  Livelihoods  Mission (DAY-NRLM) has impacted the  economic  empowerment  of  rural women  and  the  steps  taken  to  ensure  its  continued  success particularly in Bihar and Maharashtra;
- (b) the  key  strategies  implemented  to  increase  the  number  of "LakhpatiDidis" and ensure that Self-Help Group (SHG) members sustainably achieve an annual income of more than Rs. 1 lakh;
- (c) the  manner  in  which  the  increased  budgetary  allocation  of  Rs. 15,047 crores for Financial  Year  2024-25  under  DAY-NRLM strengthens the  livelihoods  of  SHG  members  and  the  new interventions that will be introduced to further  women-led development; and
- (d) the  role  of  convergence  with  other  Ministries,  such  as  the Ministry  of  Agriculture  and  Farmers  Welfare  and  the  Ministry  of Micro,  Small  &  Medium  Enterprises  is  enhancing  the  livelihood opportunities for SHG members?

## ANSWER

MINISTER OF STATE IN THE MINISTRY OF RURAL DEVELOPMENT (DR. CHANDRA SEKHAR PEMMASANI)

(a) & (b): DeendayalAntyodayaYojana  -  National  Rural  Livelihoods Mission  (DAY-  NRLM)  launched  in  June,  2011  is  being  implemented across the country (except Delhi & Chandigarh) with the objective of organizing  the  rural  poor  women  into  Self  Help  Groups  (SHGs)  and continuously nurturing and supporting them till they attain appreciable increase in income over a period of time and improve their quality of life and come out of abject poverty.

The Mission is being implemented in 7138 blocks in 742 districts across  28  States  and  6  UTs.  Cumulatively,  10.05  crore  women  have been  mobilized  into  90.87  lakh  SHGs.  DAY-NRLM  provides  funds  to create  a  resource  in  perpetuity  for  the  community  institutions  to strengthen their institutional and financial management capacity and build  their  track  record  to  attract  mainstream  Bank  finance.  These include  Revolving  Fund  of  Rs.  20,000  to  Rs.  30,000  per  SHG  and Community Investment Fund up-to Rs. 2.50 lakh per SHG. In order to reduce the effective cost of Bank credit to women SHGs, DAY-NRLM provides interest subvention to SHGs on loans from Banks. The total amount  of  Capitalisation  Support  (Revolving  Funds  and  Community Investment  Funds)  provided  is  Rs.  48,290  crores.  Further,  the  total Bank  loans  disbursed  are  Rs.  9.71  lakh  crore,  under  DAY-NRLM  till November, 2024.

Further,  the  Government  has  taken  a  number  of  steps  to  financially support Self-Help Groups (SHGs) and women entrepreneurs under the Entrepreneurship  Programme (AGEY), Enterprise

DAY-NRLM  through Start-up Village (SVEP), AajeevikaGrameen Express Yojana MahilaKisanSashaktikaranPariyojana (MKSP), Women Acceleration Fund (WEAF).

LakhpatiDidi initiative is an outcome of DAY-NRLM. A LakhpatiDidi  is  a  Self-Help  Group  Member,  whose  annual  household income  is  at  least  Rs.  1,00,000  (Rupees  One  Lakh)  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. DAY-NRLM  conducts  regular  awareness  generation  and  capacitybuilding  programs  for  SHG  members  to  become  LakhpatiDidi.  So  far 1.15 crores SHG  women  are LakhpatiDidis in country including 13,47,649LakhpatiDidis in Bihar and 10,04,338 LakhpatiDidis in Maharashtra.

- (c): The increased budgetary allocation of Rs. 15,047 crores for the Financial Year 2024-25 for the DeendayalAntyodayaYojana - National Rural Livelihoods Mission (DAY-NRLM) aims to strengthen the livelihoods of Self-Help Group (SHG) members. The increased provision of Rs.15047.00 is inter-alia to meet requirement of Revolving Fund and Community Investment Fund for the SHGs. Further, the comprehensive interventions under DAY-NRLM with the increased budget will enhance financial  inclusion  and  income  generation  among  SHG  women  for economic  empowerment,  skill  development,  social  inclusion,  and overall community growth. This increased allocation will also enable making of SHG members as 'lakhpatididis'.

(d): The Ministry has signed Memorandum of Understandings (MoUs) with various key Ministries, including the Ministry of Agriculture and Farmer's  Welfare,  Ministry  of  Tribal  Affairs,  Ministry  of  Micro,  Small and  Medium  Enterprises  (MSME)  and  Ministry  of  Food  Processing Industries etc.

This convergence with various Central Ministries' Schemes, e.g., Namo  Drone  Didi  scheme,  ParamparagatKrishiVikasYojana,  Pradhan Mantri  Formalization  of  Micro  Enterprises  etc.  is  not  only  ensuring reach of these programs to remote corners of India but also helping in strengthening livelihoods of SHG members. This initiative follows the concept  of  "Whole  of  Government"  approach.  The  collaborations ensure  that  women  SHG  members  benefit  from  a  wide  range  of resources and opportunities, leading to their economic empowerment, skill development, and improved livelihoods across the country.

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