Lok Sabha Question No. 1529 (UNSTARRED), answered on 2025-12-09
Subject: Lakhpati Didi Yojana in Karnataka
Ministry: RURAL DEVELOPMENT
Asked by: Shri B Y Raghavendra

## GOVERNMENT OF INDIA MINISTRY OF RURAL DEVELOPMENT

## DEPARTMENT OF RURAL DEVELOPMENT

## LOK SABHA

## UNSTARRED QUESTION NO. 1529 ANSWERED ON 09/12/2025

## LAKHPATI DIDI YOJANA IN KARNATAKA

## 1529. Shri B Y Raghavendra:

Will the Minister of RURAL DEVELOPMENT be pleased to state:

- (a) the number of women who have benefited under the LakhpatiDidiYojana in Karnataka, district-wise;
- (b)
- the criteria used for selecting beneficiaries under the scheme;
- (c) the number of Self-Help Groups (SHGs) in Karnataka that have achieved  the  LakhpatiDidi  milestone,  along  with  the  targets set and achieved, district-wise; and
- (d) the steps taken by the Government to ensure timely access to credit,  microfinance  and  skill  training  for  SHG  women  under the scheme in Karnataka?

## ANSWER

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

(a) to (c): LakhpatiDidi is an initiative of DeendayalAntyodayaYojanaNational Rural Livelihoods Mission (DAY¬NRLM) with the objective to empower  and  enable  Self-Help  Groups  (SHG)  Women  to  earn  a minimum income of Rupees one lakh  per  annum  on  a  sustainable basis, for at least 4 agricultural seasons and/ or business cycles. This  initiative  is  implemented  across  the  States/UTs  including Karnataka.

A  structured  approach  has  been  adopted  to  make  the  SHG members LakhpatiDidis. This initiative focuses on the individual SHG women and 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. 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.

As on date, there are about 10.05 crore Women households have been mobilized into 90.90 lakh Self Help Groups (SHGs). With the existing support structure of livelihoods intervention (both Farm & Non-Farm) and Financial Inclusion, the collective efforts are made to support the  SHG  members to become  LakhpatiDidis. The selection  of  PLD  is  done  in  consultation  with  the  community collectives  (SHG,  VO,  CLF).  For  the  LakhpatiDidi  initiative,  all States/  UTs  have  been  provided  targets  and  the  State  Rural Livelihood Missions have  made  State  specific strategy for its planning, implementation and monitoring.

- (d): DAY-NRLM  is  providing  access  to  credit  and  microfinance facilities  to  empower  women  through  various  steps  which  are  as follows:
- i. Funds are provided to SHGs in the form of Revolving Fund (RF) and  Community  Investment  Fund  (CIF)  to  help  them  in creating  a  corpus,  from  which  the  SHG  members  can  avail loans for various purposes.
- ii. The SHGs are also facilitated for  Bank  linkage  for  accessing credit at subsidized rates of interest. Since 2013-14, the SHGs have  been  assisted  to  access  Bank  credit  of  Rs.  11  lakh crores,  so  far.  The  master  circular  for  providing  credit  to women SHGs are issued by the Reserve Bank of India/National Bank for Agriculture and Rural Development (NABARD). iii) SHG members  are  also  imparted  financial  literacy  skills  through trainings  on  accounting,  record-keeping,  budgeting,  and loan management etc.
- iii. DAY-NRLM  also  facilitates universal access  to the costeffective  and  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.

Further  for  Skill  Training,  Under  DAY-NRLM,  the  Ministry  of Rural Development implements DeenDayalUpadhyayaGrameenKaushalyaYojana (DDU-GKY) and Rural Self Employment Training Institutes (RSETI) programmes, for skill development of rural poor youth and supporting them in getting the  employment.  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.

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