Ministry of Rural Development, Government of India (DAY-NRLM)
Lakhpati Didi Yojana 2026: DAY-NRLM Target, Rs. 5 Lakh Loan
Objective
Empower 3 crore women Self Help Group (SHG) members across rural India to earn a sustainable annual income of ₹1 lakh or more through skill training, micro-enterprise support, and market linkages.
Eligibility Criteria
- Women who are active members of a Self Help Group (SHG) registered under DAY-NRLM (Deendayal Antyodaya Yojana. National Rural Livelihoods Mission)
- Age: 18 to 60 years
- Must be a rural resident
- Must be part of an active, functioning SHG with regular savings and meetings
- Priority given to women from BPL families and economically weaker sections
Benefits & Features
- 1Free skill training in high-demand vocations including LED bulb making, plumbing, drone operation, solar panel installation, and repair & maintenance
- 2Access to micro-credit and loans through SHG bank linkage for starting small enterprises
- 3Market linkages. Help to sell products to government departments, corporates, and retail markets
- 4Business mentorship and entrepreneurship development
- 5Goal: achieve ₹1 lakh annual income within 4 agricultural seasons or business cycles
- 6Connection to Namo Drone Didi scheme (selected SHGs get drones for agricultural services)
Required Documents
- SHG membership certificate or SHG passbook
- Aadhaar card
- Bank account linked to SHG
- Residence proof (ration card, voter ID, or any government-issued address proof)
How to Apply
Frequently Asked Questions
| What is Lakhpati Didi Yojana in one sentence? | Lakhpati Didi is a mission target under the Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) that aims to certify 6 crore SHG women as earning a sustainable annual household income of Rs. 1 lakh or more through skilling, credit, enterprise, and market linkage convergence, with a new March 2029 target announced in Union Budget 2026-27. |
| Do I get Rs. 1 lakh cash under Lakhpati Didi Yojana? | No. Lakhpati Didi is not a cash-transfer scheme. Rs. 1 lakh is the certification threshold for annual household income earned through your own livelihood activities (dairy, tailoring, goatery, kirana, food processing, etc.). The government does not send Rs. 1 lakh to your bank account. |
| How do I apply for Lakhpati Didi Yojana online? | There is no online application form. You become a Lakhpati Didi by joining a DAY-NRLM registered Self Help Group through your Village Organisation or Cluster-Level Federation, engaging in livelihood activities, and being certified by a Community Resource Person on the LokOS app once your annual income crosses Rs. 1 lakh for four sustainable seasons. |
| Is the Rs. 5 lakh loan under Lakhpati Didi 2.0 interest-free? | Yes. The Rs. 5 lakh enterprise loan announced in Union Budget 2026-27 (PIB PRID 2227484) is interest-free, delivered via the LokOS app to certified Lakhpati Didis moving to the Self-Help Entrepreneur (SHE) tier. It is a loan (not a grant) with typical tenure of 5 to 7 years. |
| Who is eligible to become a Lakhpati Didi? | Any rural Indian woman aged 18 to 60 who is an active member of a DAY-NRLM registered Self Help Group with regular monthly savings and attendance, and who is willing to engage in one or more livelihood activities the State Rural Livelihoods Mission can verify. No specific caste, income, or education limit at entry. |
| How many Lakhpati Didis have been certified so far? | Approximately 3 crore Lakhpati Didis had been certified by early 2026, a year ahead of the original March 2027 target of 3 crore (revised upward from 2 crore in Union Budget 2024-25). The mid-2025 count was 1.48 crore, per Ministry of Rural Development state-wise data (dord.gov.in, July 2025). |
| Which state has the most Lakhpati Didis? | Maharashtra leads with 22.69 lakh certified Lakhpati Didis as of July 2025, followed by Andhra Pradesh (17.41 lakh), Bihar (14.47 lakh), Madhya Pradesh (12.84 lakh), West Bengal (11.59 lakh), and Uttar Pradesh (11.15 lakh), per Ministry of Rural Development data (dord.gov.in). |
| How is Lakhpati Didi status verified? | By a Community Resource Person (CRP) at your Cluster-Level Federation, using the LokOS app run by the Ministry of Rural Development. The CRP conducts a household income survey, verifies livelihood activities against SHG passbook records, and enters the certification. Certification requires four sustainable seasons or business cycles of Rs. 1 lakh plus annual income. |
| What is the new target for Lakhpati Didi under Budget 2026-27? | 6 crore Lakhpati Didis by March 2029, up from the 3 crore already achieved in early 2026. Announced in Union Budget 2026-27 alongside the Lakhpati Didi 2.0 upgrades (Rs. 5 lakh interest-free loan, SHE tier, SHE-Marts, She Mark badge). |
| What is the SHE (Self-Help Entrepreneur) tier? | SHE is a new tier above Lakhpati Didi status introduced in Union Budget 2026-27 for women who scale their enterprise to Rs. 3 lakh plus annual income. SHE members get access to mentorship, market linkages via SHE-Marts, the Rs. 5 lakh interest-free enterprise loan via LokOS, and the She Mark badge for their products. |
| Can I stack Lakhpati Didi with PM Mudra, PMEGP, or PM Vishwakarma? | Yes. Convergence is designed into the Lakhpati Didi pathway. A woman can stack multiple central schemes such as PM Mudra (up to Rs. 20 lakh Tarun Plus), PMEGP (grant on greenfield micro-enterprise), Namo Drone Didi (agricultural drone), PM Vishwakarma (for 18 traditional trades), and PMFME (food processing) across her enterprise scaling journey. |
| What is the risk of over-indebtedness under Lakhpati Didi? | Independent reporting (BehanBox, May 2024) has flagged that some SHG members in Madhya Pradesh and Bihar were pushed into multiple parallel credit lines (SHG CIF + Mudra + private MFI) without adequate income growth to service EMIs, causing distress. Roughly 15 to 20% of certified Lakhpati Didis in Andhra Pradesh field studies (2025) could not sustain Rs. 1 lakh income for a second year. MoRD is considering a two-year re-certification cycle to address this. |
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Lakhpati Didi is not a cash-transfer scheme
Lakhpati Didi is a mission target inside the Deendayal Antyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM), not a scheme that sends Rs. 1 lakh to your bank account. No woman gets a lump-sum government transfer under this initiative. The phrase "Lakhpati Didi" refers to a Self Help Group (SHG) woman certified by her State Rural Livelihoods Mission (SRLM) as earning a sustainable annual household income of Rs. 1 lakh or more, achieved through skilling, credit, enterprise, and market linkage across multiple ministries.
Most search results, YouTube videos, and even ChatGPT and Perplexity answers currently misframe Lakhpati Didi as a direct cash handout or an "online form to fill". Both are wrong. There is no direct application. You become a Lakhpati Didi by first joining an SHG under DAY-NRLM through your village-level Federation, then progressing through a five-step certification pathway that the SRLM tracks on the LokOS app run by the Ministry of Rural Development.
Per Lok Sabha reply cited by ThePrint (July 2025), Lakhpati Didi has "no separate budget for scheme" because it is an outcome of DAY-NRLM's convergence with allied central and state schemes. The DAY-NRLM parent programme received approximately Rs. 17,280 crore in Union Budget 2026-27, a 20% jump over the Rs. 15,047 crore of FY 2025-26 (per downtoearth.org.in analysis of Budget documents; final PRS India verification pending).
Where confusion often creeps in is with the newly-announced Rs. 5 lakh interest-free enterprise loan under "Lakhpati Didi 2.0", delivered via the LokOS app. This is a loan for select certified Lakhpati Didis to scale their enterprise, not a grant, and it flows through a bank or Cluster-Level Federation, not directly from the central government to individual women.
What Lakhpati Didi actually means: the Rs. 1 lakh income threshold
The certification threshold for "Lakhpati Didi" status is a sustainable annual household income of Rs. 1 lakh or more, generated through livelihood activities under DAY-NRLM. The Ministry of Rural Development uses a four-season or four-business-cycle sustainability test to certify, so a one-time windfall does not count. The woman's SHG has to demonstrate that the income stream is repeatable across at least four agricultural or business cycles.
Certification is done by the State Rural Livelihoods Mission through Community Resource Persons (CRPs) trained at Cluster-Level Federations. CRPs conduct household-level income surveys, verify livelihood activities (dairy, tailoring, kirana, poultry, food processing, agri-services, and others), reconcile with SHG passbook records, and enter the certification on the LokOS app which then feeds the MoRD dashboard at lakhpatididi.gov.in.
Practically, a woman needs to be:
- An active member of a DAY-NRLM registered SHG with regular monthly savings and attendance
- Engaged in one or more livelihood activities the SRLM can verify
- Generating Rs. 8,000 to Rs. 10,000 per month across those activities on average
- Willing to be certified through the LokOS-based process (which is done by the CRP, not by the woman filling a form)
Once certified, the Lakhpati Didi becomes eligible for a set of upgraded interventions: the Rs. 5 lakh Lakhpati Didi 2.0 loan (announced Union Budget 2026-27), priority in Namo Drone Didi selection, mentorship under the SHE (Self-Help Entrepreneur) initiative, and access to SHE-Mart community-owned retail outlets.
Timeline: from PM's 2023 speech to 3 crore in 2026
Lakhpati Didi has evolved rapidly since first announced. The timeline table below anchors each milestone to a primary source.
| Date | Milestone | Source |
|---|---|---|
| 15 Aug 2023 | PM Modi's Independence Day speech announces the target of 2 crore Lakhpati Didis | pmindia.gov.in Independence Day address |
| Aug 2023 | Union Minister Giriraj Singh chairs National Conclave on Enabling 2 Crore Lakhpati Didis | PIB PRID 1955239 |
| 1 Feb 2024 | Interim Budget 2024-25 raises target from 2 crore to 3 crore | PIB PRID 2001109 |
| 30 Jun 2024 | 1 crore SHG women crossed Rs. 1 lakh annual income; 10.05 crore women in 90.86 lakh SHGs | PIB PRID 2040878 |
| 25 Aug 2024 | PM felicitates 11 lakh new Lakhpati Didis at Jalgaon Sammelan | PIB PRID 2048754 |
| July 2025 | MoRD one-pager shows 1,48,32,258 women certified; state-wise data published | dord.gov.in state-wise PDF, Jul 2025 |
| Early 2026 | 3 crore target achieved, one year ahead of March 2027 milestone | Vision IAS monthly analysis, Apr 2026 |
| 1 Feb 2026 | Union Budget 2026-27 announces new 6 crore target by March 2029, plus Lakhpati Didi 2.0 upgrade | PIB PRID 2227484 |
The trajectory shows the programme scaled from 1 crore certified (June 2024) to about 1.48 crore (July 2025) to 3 crore (early 2026), well ahead of the original March 2027 deadline. The Union Budget 2026-27 doubled down with a fresh 6 crore by March 2029 target and a series of upgrades collectively branded Lakhpati Didi 2.0.
State leaderboard: which states have certified the most Lakhpati Didis
Not all states have scaled Lakhpati Didi certification at the same pace. The Ministry of Rural Development's July 2025 one-pager (dord.gov.in) gives the state-wise picture:
| State | Certified Lakhpati Didis (Jul 2025) | Share of national total | Note |
|---|---|---|---|
| Maharashtra | 22.69 lakh | ~15% | Umed (MSRLM) leader; agri-diversification driver |
| Andhra Pradesh | 17.41 lakh | ~12% | SERP legacy scale, dairy and horticulture |
| Bihar | 14.47 lakh | ~10% | JEEViKA credit-linkage strong |
| Madhya Pradesh | 12.84 lakh | ~9% | Ajeevika Bharat + poultry / tailoring dominant |
| West Bengal | 11.59 lakh | ~8% | Anandadhara + fisheries + zari |
| Uttar Pradesh | 11.15 lakh | ~7% | Highest FY26 DAY-NRLM central allocation (roughly Rs. 2,431 crore) |
| Rest of India | ~58 lakh | ~39% | Kerala Kudumbashree, Telangana, Odisha MSRLM, others |
| National total | ~1.48 crore (Jul 2025) | 100% | dord.gov.in |
By early 2026, the national total had grown to 3 crore (2x the July 2025 figure), with state-wise splits not yet re-published. Historically, Maharashtra, Andhra Pradesh, Bihar, and Madhya Pradesh have held the top four positions on absolute count. Uttar Pradesh gets the largest FY 2026-27 central allocation from DAY-NRLM because of its SHG member base scale.
The five-step process: how a woman actually becomes a Lakhpati Didi
The certification pathway from SHG entry to Lakhpati Didi status runs across five stages, all managed through the SRLM and CRP network, not through any individual online form.
Stage 1: SHG membership. The woman joins a DAY-NRLM registered SHG in her village through the Village Organisation (VO). Most SHGs have 10 to 20 women. She commits to regular monthly savings (typically Rs. 100 to Rs. 500) and weekly meetings.
Stage 2: Community Investment Fund (CIF) access. After 6 months of consistent SHG functioning, the SHG becomes eligible for a Revolving Fund (Rs. 15,000 to 20,000) and then a Community Investment Fund of up to Rs. 2.5 lakh at concessional rates. Individual members can borrow from the CIF for productive activities.
Stage 3: Livelihood planning. The Cluster-Level Federation and the Block Mission Management Unit (BMMU) conduct a livelihood diagnostic, identify one or more activities the woman can undertake (dairy, tailoring, food processing, goatery, kirana, agri-services), and connect her to a skilling provider. Skilling can happen through RSETI, DDU-GKY, or a state-level partner.
Stage 4: Credit and enterprise setup. The woman accesses a bank linkage loan (typically Rs. 1 lakh to Rs. 3 lakh under interest-subvented terms), sets up the enterprise, and begins operations. Common enterprises: 4 to 8 goats, dairy of 2 to 4 cows, tailoring unit, mushroom cultivation, small food-processing unit, kirana shop.
Stage 5: Certification via LokOS. After 4 seasons or business cycles of demonstrating Rs. 1 lakh plus annual income, a Community Resource Person conducts a household income survey and certifies the woman as a Lakhpati Didi on the LokOS app. Certification is what unlocks the Rs. 5 lakh Lakhpati Didi 2.0 loan and other upgraded interventions.
The full pathway typically takes 3 to 5 years from initial SHG joining to Lakhpati Didi certification, though experienced SHGs with prior livelihood assets can reach certification faster.
Worked income example: how Meena from Barabanki reaches Rs. 1.15 lakh a year
Meena is a 32-year-old SHG member from a village in Barabanki district, Uttar Pradesh. She joined an SHG through her Village Organisation in 2022 and became a Lakhpati Didi in FY 2025-26. Here is her three-activity income stack:
| Activity | Annual income (Rs.) | Setup | Source of funds |
|---|---|---|---|
| Goatery (4 goats + 4 kids per year) | 32,000 | 4 breeding-age goats bought via SHG CIF | Rs. 40,000 CIF loan at 3.5% p.a. |
| Tailoring (2 orders per day, alteration + stitching) | 45,000 | Sewing machine from RSETI skilling stipend | Rs. 8,000 from own SHG savings |
| Kirana shop (small stock, home-front stall) | 38,000 | Initial stock of Rs. 25,000 | Rs. 25,000 CIF revolving fund |
| Total annual household income from livelihood | 1,15,000 | Total borrowing outstanding: Rs. 73,000 |
Meena's monthly income across the three streams averages Rs. 9,583, comfortably above the Rs. 8,000 per month threshold implied by the Rs. 1 lakh annual certification bar. The CRP in her Cluster-Level Federation certified her in December 2025 after verifying the four-season sustainability of each stream against her SHG passbook and goatery vaccination records.
Post-certification, Meena is eligible to apply for the Rs. 5 lakh Lakhpati Didi 2.0 interest-free loan via LokOS. She's planning to use it to expand tailoring into a small production unit (5 machines, 3 hired workers) and to add cold-chain storage for her kirana shop's dairy products. If the expansion works, her projected FY 2027-28 income could cross Rs. 3 lakh per annum, moving her into the higher SHE (Self-Help Entrepreneur) tier.
The example is fictional but the numbers are drawn from typical UP SHG-cluster field data reported by DAY-NRLM and BMMU field reports.
Budget 2026-27 upgrade: Lakhpati Didi 2.0 and what changed
The Union Budget 2026-27 (Finance Minister Nirmala Sitharaman's speech on 1 February 2026, per PIB PRID 2227484) introduced a set of upgrades collectively called Lakhpati Didi 2.0. The four headline changes:
Rs. 5 lakh interest-free enterprise loan via LokOS App. For certified Lakhpati Didis wanting to scale to Self-Help Entrepreneur (SHE) tier. Delivered as a loan (not a grant) through a bank or Cluster-Level Federation partner, with zero interest and typical tenure of 5 to 7 years. The LokOS app is the delivery rail. This is separate from and additional to the existing bank linkage loans available under DAY-NRLM.
SHE (Self-Help Entrepreneur) initiative. A new tier above Lakhpati Didi status for women who scale their enterprise to Rs. 3 lakh plus annual income. SHE members get access to mentorship, market linkages, and the new Rs. 5 lakh loan.
SHE-Marts (community-owned retail outlets). Inside Cluster-Level Federations, SHE-Marts function as aggregated retail spaces where SHG-produced goods (pickles, papad, masala, handicrafts, tailoring, dairy) reach urban consumers without middleman margins. This differs from a standard co-op because the SHE-Mart is owned by the CLF and revenue is redistributed to member SHGs.
She Mark badge. A certification mark for products from SHE-tier women, designed to command a premium on retail shelves. Similar in intent to Fair Trade or Made-in-India badges but SHG-specific.
New target announced alongside: 6 crore Lakhpati Didis by March 2029 (up from 3 crore already achieved). DAY-NRLM allocation of approximately Rs. 17,280 crore in FY 2026-27, a 20% increase over Rs. 15,047 crore in FY 2025-26 (per downtoearth.org.in Budget analysis; PRS India confirmation pending).
Convergence with other central schemes
Lakhpati Didi certification is powered by convergence across multiple central schemes that a woman can stack. The comparison table below shows what each converged scheme adds.
| Scheme | What it adds to Lakhpati Didi pathway | Ticket size for SHG member | Eligibility overlap |
|---|---|---|---|
| Namo Drone Didi | Agricultural drone package + Rs. 15,000 per month rental income | 80% subsidy up to Rs. 8 lakh per SHG (drone owned by SHG) | Only SHG in agri belt; pilot must be 10th pass, aged 18 to 50 |
| PM Mudra Yojana | Small business loan under Tarun / Tarun Plus categories | Up to Rs. 20 lakh (Tarun Plus) | Any existing business, no SHG requirement |
| Stand-Up India | Bank loan for greenfield enterprise (women or SC/ST) | Rs. 10 lakh to Rs. 1 crore | Loans of this scale, first-time entrepreneurs |
| PMEGP | Margin money grant on greenfield micro-enterprise | Up to Rs. 25 lakh manufacturing / Rs. 10 lakh service; 15% to 35% subsidy | Age 18 plus, education class VIII plus above Rs. 10 lakh |
| PM Vishwakarma | Skill training + Rs. 15,000 toolkit + Rs. 3 lakh collateral-free loan at 5% | Rs. 3 lakh total | Only 18 traditional artisan trades |
| PMFME | Micro Food Processing Enterprise formalisation credit-linked subsidy | 35% subsidy up to Rs. 10 lakh | Micro food processing units, cluster approach |
| SVEP (Start-up Village Entrepreneurship) | Enterprise support for rural start-ups under DAY-NRLM | Rs. 1 lakh seed + mentorship | Rural areas only, priority to SHG women |
A woman certified as Lakhpati Didi often stacks two or three of these convergence schemes across her enterprise scaling journey. For example, an SHG woman with a small tailoring unit may access Mudra Kishor for the initial machine purchase, then a PMEGP grant to open a small tailoring shop, then Lakhpati Didi 2.0's Rs. 5 lakh loan to add production capacity, then PM Vishwakarma for the tailor trade certification and toolkit.
Eligibility, documents, and where to actually apply
Eligibility for the Lakhpati Didi certification pathway:
- Woman aged 18 to 60
- Rural resident of India
- Active member of a DAY-NRLM registered Self Help Group with regular monthly savings and attendance
- Willing to engage in one or more livelihood activities the SRLM can verify
Documents required (kept with the SHG, not submitted anywhere individually):
- SHG membership certificate or SHG passbook
- Aadhaar card
- Bank account linked to the SHG (Jan Dhan or regular savings)
- Residence proof (ration card, voter ID, or any government-issued address proof)
Where to actually apply. There is no individual online form. The correct entry point:
- Locate your nearest Village Organisation (VO) or Cluster-Level Federation (CLF) through your Gram Panchayat. Every panchayat has at least one CLF under DAY-NRLM.
- Ask to join an existing SHG or request formation of a new SHG (10 to 20 members).
- Complete 6 months of regular savings and attendance to become CIF-eligible.
- Speak with the Block Mission Management Unit (BMMU) for livelihood planning.
- The Community Resource Person (CRP) at your CLF will guide you through certification once your income crosses Rs. 1 lakh sustainably for four seasons.
For information and helpline: lakhpatididi.gov.in (national portal), aajeevika.gov.in (DAY-NRLM main portal), and your State Rural Livelihoods Mission website. National helpline: 1800-180-5999.
Any website claiming to have an "online Lakhpati Didi application form" that costs a registration fee is fraudulent. Do not pay.
Common income activities that push women past Rs. 1 lakh
Certified Lakhpati Didis typically build income across two to four activities. The most common income-generating activities reported in DAY-NRLM field data:
- Livestock: goatery (4 to 8 goats), poultry (100 to 200 backyard birds), dairy (2 to 4 cows or buffaloes)
- Food processing: pickles and papad, masala grinding and packaging, dairy products (paneer, ghee)
- Handicrafts: zari and embroidery, terracotta, cane and bamboo, block printing
- Tailoring and garments: custom stitching, alteration, school uniforms in bulk, boutique work
- Agri-services: custom hire of agri implements, seed treatment, drone spraying (via Namo Drone Didi convergence)
- Retail: kirana shop, LPG connection under PMUY resale, mobile recharge and DTH agent
- Services: beauty parlour, tuition classes, mobile repair
Income patterns vary sharply by region. Livestock and dairy dominate in Bihar, MP, and Rajasthan. Handicrafts lead in Odisha, Manipur, and Gujarat. Food processing is strongest in Andhra Pradesh, Karnataka, and Kerala. Agri-services are gaining ground in Punjab, Haryana, and MP with the rollout of Namo Drone Didi.
Honest challenges: what field research has flagged
Not everything is working perfectly. Independent reporting has flagged real challenges, and it is honest to include them.
BehanBox published an investigative piece on 31 May 2024 titled "No Income, Unpayable Debts: The Truth Behind PM Modi's Lakhpati Didis" that documented over-indebtedness in some SHG clusters in Madhya Pradesh and Bihar. The core finding: some SHG members were pushed into multiple parallel credit lines (SHG CIF + Mudra + private MFI) without adequate income growth to service the combined EMIs, leading to distress migration and defaults. The reporting flagged pressure from field-level SRLM staff to hit certification quotas as a driver of premature loan disbursement.
Second concern: state-vs-central data reporting gaps. The MoRD one-pager of July 2025 was the last centralised state-wise dataset with clean numbers, and the 3-crore-achieved announcement in early 2026 did not come with a fresh state-wise disaggregation. Independent analysts including Vision IAS and downtoearth.org.in flagged this as a data-quality concern for the March 2029 6-crore target.
Third concern: sustainability of the Rs. 1 lakh threshold. Field studies from Krishna University (Andhra Pradesh) and IIT Madras (2025) found that roughly 15 to 20% of certified Lakhpati Didis were unable to sustain Rs. 1 lakh income for a second consecutive year, primarily due to livestock disease, market price volatility, and monsoon disruption to agri-linked activities. MoRD is considering a re-certification cycle every two years to address this.
Reading these honest concerns alongside the 3 crore certified milestone: the scale-up has genuinely improved rural women's income, but the transition from "certified once" to "certified sustainably" is still a work in progress. Lakhpati Didi 2.0 (the Rs. 5 lakh loan and SHE tier) is partly a response to this sustainability question.
Frequently asked questions
Structured FAQ data with FAQPage JSON-LD is rendered in the FAQ block below the article. A few highlights:
Do I get Rs. 1 lakh cash under Lakhpati Didi Yojana? No. Lakhpati Didi is a mission target under DAY-NRLM, not a cash-transfer scheme. Rs. 1 lakh is the certification threshold for annual household income earned through livelihood activities.
How do I apply for Lakhpati Didi online? There is no online form. You join a DAY-NRLM registered SHG through your Village Organisation or Cluster-Level Federation. Certification is done by a Community Resource Person on the LokOS app after you cross Rs. 1 lakh income for four sustainable seasons or business cycles.
Is the Rs. 5 lakh loan under Lakhpati Didi 2.0 interest-free? Yes. The Rs. 5 lakh enterprise loan announced in Union Budget 2026-27 is interest-free, delivered via the LokOS app to certified Lakhpati Didis moving to the Self-Help Entrepreneur (SHE) tier.