Lakhpati Didi Yojana 2025: Empowering Women Through Interest‑Free Loans Launched by Prime Minister Narendra Modi on 15 August 2023, the Lakhpati Didi Yojana aims to economically empower over 3 crore women across India. Under this initiative, women members of Self-Help Groups (SHGs) receive interest-free loans up to ₹5 lakh to launch or expand small businesses.
🚀 Key Features & Benefits
- Interest-Free Loans: Eligible women can borrow up to ₹5 lakh without any interest.
- Comprehensive Training: Includes support in business management, agriculture, livestock care, drone repair, LED bulb making, plumbing, and other vocational skills .
- Market Linkages: Helps women SHGs access broader markets, including international channels .
- SHG Financial Support: Thousands of women benefit via SHG-linked financial backing.
- Cross-Ministry Support: Integrated with 20+ government ministries and institutions to provide well-rounded assistance.
✅ Lakhpati Didi Yojana 2025: Empowering Women Through Interest‑Free Loans Who’s Eligible?
- Must be a female Indian citizen, aged 18–50, and an active member of a registered Self-Help Group (SHG).
- Household income should not exceed ₹3 lakh per annum.
- No immediate family members should hold a government position.
📝 How to Apply
Online:
- Visit lakhpatididi.gov.in
- Click Sign Up, complete registration, and verify via OTP
- Fill in details, upload required documents (Aadhaar, domicile, income certificate, bank details)
- Submit the form to complete your application
Offline:
- Collect a form from your local Child Development or SHG office
- Fill it out and attach supporting documents
- Submit and retain the acknowledgement receipt
📈 Success Story: Odisha Leads the Way
At the 2025 National Lakhpati Didi Conference in Bhubaneswar, Odisha emerged as a standout performer:
- Nayagarh district achieved a 98% success rate, helping 98% of SHG women exceed ₹1 lakh in annual income.
- The state supports interest-free loans up to ₹10 lakh, with significant SHG boosts like increased revolving funds and “Subhadra Shakti” support programs driving market access.
🧭 Why This Matters
- Boosts Financial Independence: By offering capital and training, women can build self-sustaining livelihoods.
- Enhances Rural Development: As more women SHGs thrive, entire communities benefit through employment, innovation, and entrepreneurship.
- Promotes Skill Diversity: Training in technical trades and agri-business equips women for modern economic demands.
🔗 Important Links
Conclusion
The Lakhpati Didi Yojana 2025: Empowering Women Through Interest‑Free Loans is a transformative initiative, providing interest-free loans, vocational training, and institutional support to rural women. With states like Odisha already leading the charge, this scheme is paving the way toward economic independence and self-reliance for lakhs of women nationwide.
