The Government of India has announced an ambitious push under the Lakhpati Didi Scheme to transform one crore women into financially independent earners within a year. The scheme focuses on rural women linked with Self-Help Groups (SHGs), helping them cross an annual income of ₹1 lakh through skill development, entrepreneurship, and access to credit. By promoting sustainable livelihoods such as agriculture-based enterprises, handicrafts, dairy, and local services, the initiative aims to reduce poverty while strengthening women’s confidence and decision-making power. This mission reflects a strong commitment to inclusive growth and grassroots-level economic empowerment.
Highlight Points Table
| Key Aspect | Details |
|---|---|
| Scheme Name | Lakhpati Didi Scheme |
| Target | 1 crore women in one year |
| Income Goal | ₹1 lakh or more annually |
| Beneficiaries | Rural women in SHGs |
| Support Provided | Training, loans, market access |
| Focus Areas | Farming, dairy, crafts, services |
| Financial Help | Easy credit, revolving funds |
| Long-Term Aim | Women-led rural economy |
Skill Development And Training
The backbone of the Lakhpati Didi Scheme is structured skill development. Women are trained in income-generating activities based on local demand and available resources. These include tailoring, food processing, livestock management, digital services, and agri-allied work. Training is practical, short-term, and designed to quickly convert skills into earnings. By upgrading existing abilities and introducing new techniques, women are better prepared to run profitable micro-enterprises and increase productivity without migrating from their villages.
Financial Support And Easy Credit Access
Another critical pillar is financial inclusion. Women associated with SHGs receive access to low-interest or collateral-free loans, revolving funds, and government-backed credit support. This removes the biggest barrier to entrepreneurship—lack of capital. With proper guidance on savings, reinvestment, and basic financial literacy, beneficiaries learn to manage income responsibly. Timely credit helps them scale small businesses, stabilize cash flow, and achieve the ₹1 lakh annual income target sustainably.
Step-by-Step Process
First, eligible women must be members of registered Self-Help Groups. Second, their income potential is assessed at the local level. Third, they receive targeted skill training aligned with viable livelihood options. Fourth, financial assistance or loans are arranged through banks and government programs. Fifth, women start or expand their businesses with ongoing mentoring. Finally, income progress is tracked to ensure they reach and maintain Lakhpati status, creating long-term financial stability and confidence.
Conclusion
The Lakhpati Didi Scheme is a powerful step toward women-led development in India. By combining skills, financial support, and community participation, the government aims to create one crore financially independent women, strengthening rural economies and ensuring lasting social and economic empowerment.