The Lakhpati Didi Yojana 2025 is a government initiative launched by the Government of India to financially empower rural women, especially those who are part of Self Help Groups (SHGs). The idea is simple — help women start or grow small businesses by giving them easy access to loans with low interest rates.
The ultimate aim is to make every woman earn ₹1 lakh or more per year, turning them into “Lakhpati Didis” — confident, self-reliant entrepreneurs.
What is Lakhpati Didi Yojana?
The Lakhpati Didi Scheme is a transformative initiative launched by the Government of India aimed at empowering rural women economically. The scheme’s primary goal is to enable women, especially those associated with Self-Help Groups (SHGs), to earn an annual income of at least ₹1,00,000, thereby promoting financial independence and entrepreneurship among women in rural areas.
Objective of the Scheme
The main goal of the Lakhpati Didi Yojana is to:
- Encourage women entrepreneurship
- Help women become financially independent
- Provide loan assistance up to ₹5 lakh
- Offer interest subsidies on loans up to ₹3 lakh to reduce the financial burden
Loan Details at a Glance
| Feature | Details |
|---|---|
| Maximum Loan Amount | ₹5,00,000 |
| Interest Subsidy | On loans up to ₹3,00,000 |
| Effective Interest Rate | Around 7%, after subsidy |
| Overdraft Facility | Up to ₹5,000 for SHG women |
| Target Group | SHG Women (Rural & Semi-Urban) |
Key Benefits of Lakhpati Didi Yojana
- Loan up to ₹5 Lakh: Women can avail business loans to start or expand small enterprises like tailoring, dairy farming, beauty parlors, food stalls, and more.
- Interest Subsidy: Loans up to ₹3 lakh get a government subsidy, making them affordable with a reduced interest rate.
- Overdraft Facility: Women in SHGs also get a ₹5,000 overdraft from banks without collateral.
- Digital Empowerment: The scheme encourages the use of UPI, mobile banking, and e-wallets, helping women become comfortable with digital finance.
Eligibility Criteria – Who Can Apply?
You are eligible for this scheme if all of these apply to you:
- You are a woman aged between 18 to 50 years
- You are a member of a Self Help Group (SHG)
- Your family’s annual income is less than ₹1 lakh
- No one in your family has a government job
- No family member is a taxpayer
Required Documents
To apply, you will need the following documents:
- Aadhaar Card (for ID and address proof)
- PAN Card (for financial verification)
- Bank Account Passbook (for loan disbursal)
- Educational Certificates (if applicable)
- Passport-size Photo
- Active Mobile Number
How to Apply for Lakhpati Didi Yojana 2025 (Online)
Follow these steps to apply online:
- Visit the official website of the scheme (to be announced soon).
- Click on “Lakhpati Didi Yojana – Apply Now”.
- Fill in your personal and SHG-related details.
- Upload scanned copies of required documents.
- Submit the form and note down the acknowledgment number for tracking.
Offline Application Process
If you prefer to apply offline, here’s how:
- Visit your local Self Help Group (SHG) office or community center.
- Ask for the Lakhpati Didi Yojana application form.
- Fill in the form manually and attach the required documents.
- Submit the form to the SHG representative.
- Collect your acknowledgment receipt for future updates.
Important Notes
- All loans are given through banks linked to SHGs.
- The interest subsidy is deposited directly into your account.
- If you repay on time, your credit score improves, and you become eligible for bigger loans in the future.
- Skill training programs may also be offered under the scheme.
The scheme is transforming rural India, especially for women who’ve never had access to loans or business support. From selling pickles and snacks to running eco-friendly enterprises, thousands of women are becoming “Lakhpatis” — earning ₹1 lakh+ a year with dignity and confidence.
Lakhpati Didi Yojana 2025 is more than just a financial scheme — it’s a life-changing opportunity for women who dream of standing on their own feet. Whether you’re a home-maker with a passion for food, an artisan, or someone who wants to open a shop — this scheme gives you the wings to fly.
So if you meet the eligibility criteria, don’t wait. Apply today and take the first step towards entrepreneurship and financial freedom.
FAQs
Q1. Can a woman who is not in a Self self-help group apply?
No, only SHG members are eligible.
Q2. Is there any age limit for applying?
Yes, applicants must be between 18 and 50 years.
Q3. Is any collateral or guarantor needed for the loan?
No, it is a collateral-free loan, given through SHGs.
Q4. Can the loan be used for any business?
Yes, as long as it’s a legitimate income-generating activity.
Q5. How long will it take to receive the loan?
It depends on your SHG’s processing time and bank approvals, which typically take a few weeks.
