Assam Lakhpati Didi Scheme: The Lakhpati Didi Scheme is a flagship initiative launched by the Government of India to empower rural women through Self-Help Groups (SHGs) by enabling them to earn a minimum of Rs. 1 lakh annually through sustainable economic activities. This scheme supports entrepreneurial ventures and provides women with the resources they need to succeed.
The scheme aims to transform the socio-economic landscape of rural India, empowering women to contribute significantly to their families and communities. This guide provides all the detailed information about this scheme.
Assam Lakhpati Didi Scheme: Overview
| Scheme Name | Lakhpati Didi Scheme |
| Launched By | Assam State Government |
| Purpose | To help women start their own businesses |
| Beneficiaries | Women of Assam |
| Eligibility | Female Indian citizens residing in Assam |
| Benefits | Interest-free loans (₹1–5 lakh), skill training, financial literacy, microcredit, low-cost insurance |
| Application Mode | Online & Offline |
| Official Website | nrlm.gov.in. |
What is the Assam Lakhpati Didi Scheme?
The Assam Lakhpati Didi Scheme is a women’s empowerment initiative launched by the Assam state government. Its goal is to help at least 40 lakh women from SHG groups earn a minimum of Rs. 1 lakh per year by providing employment opportunities, training, and financial support.
When was the Assam Lakhpati Didi Scheme Launched?
The scheme was launched in 2023 to transform rural India by empowering women through economic self-reliance. As of 2025, it is being scaled up to cover 3 crore rural women, up from the original target of 2 crore.
Goal of Assam Lakhpati Didi Scheme
The main goal of the Assam Lakhpati Didi scheme is to improve women’s financial well-being by equipping them with the necessary skills and creating relevant opportunities. It aims to generate employment for those with limited skills, encouraging them to become entrepreneurs. The government’s objective is to advance gender equality and financial independence for all women in Assam.
Objectives of the Assam Lakhpati Didi Scheme
The scheme has been launched with a set of clear and ambitious objectives:
Ensure gender quality and women’s empowerment. To promote self-employment and entrepreneurship. Create job opportunities for unskilled and semi-skilled women. Strengthen the social and economic status of women, particularly in rural areas, by fostering self-reliance and community participation. To encourage women to start and expand their businesses by offering financial assistance and guidance.
Features of the scheme
The main objective of launching the scheme is to make sure the female citizens of Assam state earn INR 1 lakh per year. The Assam State Government has also collaborated with various banks to facilitate bank loans at very low interest rates.
Impact of the scheme
The Lakhpati Didi Scheme has already transformed the lives of approximately 1 crore women, enabling them to achieve financial independence and inspire others in their communities. The scheme’s focus on skill development, financial literacy, and entrepreneurship aligns with the broader vision of a Viksit Bharat.
Challenges of the Scheme
Need more avenues for fair-price selling. Need better storage, transport, and digital connectivity. Ongoing training is required to meet market demands. Many eligible women remain unaware of the scheme.
Eligibility Criteria for Assam Lakhpati Didi Scheme
To qualify for the scheme, applicants must meet the following criteria:
Applicants must be female residents of Assam. Applicants must be between 18 and 50 years old. Only women who are active members of self-help groups under DAY-NRLM are eligible. Priority to women from economically weaker sections or SHGs. The annual household income should generally be less than Rs. 3 lakh, although specific state guidelines may vary. No member of the applicant’s family should hold a government job.
Documents Required
Applicants need to submit the following documents:
Aadhaar Card. Pan Card. Residence Certificate. Educational Qualification Certificates. Bank Account Passbook. Passport-size photograph. Active Mobile Number.
How to Apply Online
Visit the official website – nrlm.gov.in. Click on the Application Section and download the application form. Fill out the form with SHG ID and personal details. Upload scanned documents carefully. Submit the application form and take a printout for future reference.
How to Apply Offline
Visit the nearest Gram Panchayat or Block Development Office. Collect and fill out the application form annually. Attach all necessary documents. Submit the application to the designated officer. Obtain an acknowledgement receipt for future reference.
Also Read: What is Ayushman Bharat Yojana? Free ₹5 Lakh Health Insurance Scheme
Benefits of the scheme
This scheme aims to improve the social and economic status of women in Assam. This scheme provides financial assistance of Rs. 1 lakh per year to help women. Encourages entrepreneurship and self-employment. Women receive guidance on business planning, marketing strategies, and market access to ensure the sustainability of their ventures. Empowers women to contribute to rural economic growth. This scheme will also create job opportunities for women with different skill sets.
What you get in this scheme
i) Benefits for over 30 lakh women in SHGs.
ii) To help women earn Rs. 1 lakh annually.
iii) The government provides Rs. 10,000/- as initial capital.
How to Check the Assam Lakhpati Didi Monitoring Report?
Go to the official website – nrlm.gov.in. Click on the “Check Report” option. Enter your details – state, district, block, village, and gram panchayat. Click on submit to view your report.
Final Word
The Assam Lakhpati Didi Scheme is not just a financial programme – it’s a social revolution. By transforming rural women into micro-entrepreneurs, it is rewriting the narrative of rural India. With a strong backing of community engagement, financial access, and skill development, the scheme is well on track to make rural women financially independent.
FAQs
Who can apply for the Assam Lakhpati Didi Scheme?
Any woman residing in Assam who meets the eligibility criteria can apply for this scheme.
How does the scheme help improve the overall livelihood of women?
By providing financial assistance, skill development, and entrepreneurial opportunities, the scheme aims to enhance the overall quality of life and livelihood of women in Assam.
What is the purpose of this scheme?
The scheme aims to ensure every woman earns Rs. 1 lakh per year and becomes financially stable.
Is there any loan benefit under the scheme?
Yes, SHGs receive low-interest loans and revolving funds from the government and banks.
What is the role of NRLM?
DAY-NRLM is the implementing mission, ensuring training, financial support, and convergence with various government schemes.
