Lakhpati Didi Yojana 2025: Skill Training & Interest-Free Loans Up to ₹5 Lakh for Women

Lakhpati Didi Yojana 2025: The Central and State Governments of India continue to introduce impactful welfare schemes aimed at uplifting economically and socially weaker sections of society. Among these initiatives, Lakhpati Didi Yojana, launched in 2023, has emerged as one of the most successful and empowering schemes for women across rural India. The primary goal of this initiative is to strengthen women financially and guide them toward self-employment and entrepreneurship.

Over the past two years, the scheme has gained immense popularity. Prime Minister Narendra Modi has highlighted its success on multiple occasions, acknowledging how thousands of women have increased their income and transformed their lives through this program.

What Is Lakhpati Didi Yojana?

Lakhpati Didi Yojana aims to help women acquire new skills, gain financial independence, and start small businesses. Under this scheme:

• Women receive skill development training in various trades.

• They are encouraged to start their own ventures.

• The government offers interest-free loans of up to ₹5 lakh to help them set up or expand their businesses.

This combination of training and financial support is enabling women to become successful entrepreneurs within their communities.

Skill Training + Business Loan: The Winning Formula

The scheme focuses heavily on skill training, which includes areas like tailoring, food processing, handicrafts, beauty services, dairy management, and more. After completing the training, women are guided to prepare their own business plans, outlining:

• The type of business

• Estimated cost

• Market demand

• Expected income

Once their business plan is ready, eligible women can apply for a loan of up to ₹5 lakh, which comes with zero interest, making it easier for them to start or expand their business without any financial burden.

Who Can Benefit From Lakhpati Didi Yojana?

To take advantage of the scheme, a woman must:

• Join a Self-Help Group (SHG)

• Participate in the SHG’s training and development sessions

• Be willing to start or expand her own business

By being part of an SHG, women receive collective support, community guidance, and financial management training — all of which increase the chances of successful entrepreneurship.

How to Apply for Lakhpati Didi Yojana

Women can apply for this scheme through online as well as offline modes.

Online Application

• Visit the Ministry of Rural Development official portal

• Fill out the application form

• Upload required documents and business details

Offline Application

Applicants can also apply by visiting:

• Local SHG office

• Rural Development Department office

• Nearby bank branch

They must submit the filled form along with necessary documents such as ID proof, bank passbook, and business-related details. After verification, the loan amount is transferred directly to the applicant’s bank account.

A Path Toward Financial Freedom

Lakhpati Didi Yojana is not just a loan scheme — it is a powerful opportunity for women to become financially independent, build sustainable livelihoods, and contribute to their families and society. With the help of skill development and interest-free financial support, thousands of women are becoming “Lakhpati Didis,” proudly earning ₹1 lakh or more annually.

This initiative is reshaping rural economies and empowering women to dream bigger, achieve more, and secure a better future.