Lakhpati Didi : You too can become Lakhpati Didi, your income will be more than 1 lakh rupees, what to do

How do I become a Lakhpati Didi : In his third term, PM Narendra Modi seems to be focusing on the ambitious scheme of the central government ‘Lakhpati Didi’. He has repeatedly mentioned this scheme since the formation of the new government. Seeing the success of this scheme, there is talk of increasing the number of Lakhpati Didi from 2 crore to 3 crore. After all, what is this special scheme of the Modi government, which helps women to become earning members by giving them special training, so that they can become self-reliant and increase their annual income to at least Rs 1 lakh and run their household on their own.

Finance Minister Nirmala Sitharaman is also likely to make a big announcement about ‘Lakhpati Didi’ in the upcoming full budget 2024. In the interim budget 2024, she had made a big announcement about this scheme and talked about expanding its scope.

Guaranteed income of Rs 6 lakh every year, deposit the funds in these 2 government accounts after retirement

What is Lakhpati Didi Yojana?

Lakhpati Didi Yojana is a very ambitious scheme of Prime Minister Narendra Modi, which was announced from the Red Fort on 15 August 2023. With the implementation of the scheme, crores of women associated with self-help groups are expected to benefit. These self-help groups include economically backward women such as Bank Wali Didi, Anganwadi Didi etc. This scheme is a skill development training program for them, which will enable them to earn money by giving skill training and will help in improving their financial condition. Ways to start a business will be told through training. The Prime Minister wants to make women self-reliant in the field of science and technology.

Target of Lakhpati Didi Scheme

Lakhpati Didi Yojana was launched as a mission to eradicate poverty and economic empowerment. Under this, a target of earning more than Rs 1 lakh per year has been set for trained women. Under this scheme, 3 crore women will be trained.

Gold: You can earn 33 lakhs in 17 years by investing only 5000 rupees per month, this gold scheme is amazing

Financial support (to self-help groups and its members)

Capitalization Support

Revolving Fund – Internal lending of Rs 20,000 to Rs 30,000 per eligible Self Help Group

Community Investment Fund (CIF) – This financial assistance is provided only to SHGs and their federations. The maximum amount is Rs 2.50 lakh per SHG.

Bank Loan

Collateral Free Loan – Collateral free bank loan for SHG up to Rs. 20 lakh

Interest Subsidy: Interest subvention up to a maximum of Rs. 3,00,000 on all loans taken by women self help groups from banks and financial institutions.

Overdraft Facility: Every Self Help Group woman member having a Jan Dhan account is eligible for an overdraft (OD) of Rs 5,000.

Women Enterprise Acceleration Fund

1. For individual enterprises

Credit Guarantee Support: Credit guarantee support to individual women entrepreneurs for loans up to INR 5 lakh for a maximum period of 5 years.

Interest rebate on prompt repayment: 2% interest rebate on loans up to Rs 1.5 lakh taken for a maximum tenure of 3 years.

2. Collateral Support for Enterprise Collective / FPO

This fund will be used to provide collateral to lending institutions for up to 50% of the total loan amount (or up to Rs 2 crore, whichever is lower).

NPS: This pension scheme gives 5 big benefits to investors even before retirement, do you know

Who will be eligible for this scheme

This scheme is for women. Women from any state of India can take advantage of this scheme. For this you will need to join a ‘self help group’ in your state. There is no age limit for this scheme.

Documents required for the scheme

Aadhar card
PAN card
Address proof
Income Certificate
Registered mobile number
Bank account details
Passport size photo
email id

If you want 10 crores at the age of 60, how much monthly SIP will you have to do, calculate according to your age

Benefits of the scheme

-Financial Literacy Workshops

-Savings Incentives

-Microcredit facilities

-Skill development and vocational training

-Entrepreneurship Support

-Insurance coverage

-Digital Financial Inclusion

-Empowerment and confidence building

(Source: lakhpatididi.gov.in)