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Under DAY-NRLM, 10.08 crore rural households have been mobilised into ~92 lakh Self Help Groups (SHGs); more than 3.46 crore SHG members have become 'Lakhpati Didis', earning at least ₹1 lakh/year sustainably for 4+ seasons/cycles.
SHGs have accessed ₹13.41 lakh crore in bank credit since 2013-14; the Start-up Village Entrepreneurship Programme (SVEP) has supported 4.32 lakh enterprises (as of June 2026).
10.05 crore households and 92 lakh SHGs are mapped on the DAY-NRLM digital platform, with total credit disbursement of ₹13,41,852.66 crore recorded via the SHG Bank Linkage Portal.
Market access is supported via registered brands (Saras, Saras Aajeevika, Aajeevika), 25 State-level brands, Saras Melas, the Saras Aajeevika Gallery in Delhi, and the eSaras e-commerce platform partnered with GeM, ONDC, Amazon, Flipkart, Meesho and JioMart.
Organise rural poor households into SHGs for social/financial inclusion and sustainable livelihoods
Key: Launched June 2011; 10.08 crore households in ~92 lakh SHGs; implemented in partnership with States/UTs (except Chandigarh and Delhi)
Enable SHG women to earn ₹1 lakh or more per year sustainably
Key: 3.46 crore+ SHG members enabled as Lakhpati Didis so far; sustainability defined as 4 or more agricultural seasons/business cycles
Support SHG members/families to set up non-farm enterprises
Key: 4.32 lakh enterprises supported (June 2026); funded via the Community Enterprise Fund (CEF), mentored by Community Resource Persons (CRP-EP)
Deploy SHG women as banking correspondents for digital financial inclusion
Key: Works with banks and Common Service Centres to expand rural digital finance access
Implements DAY-NRLM in partnership with States/UTs
SHG Bank Linkage is the mechanism through which formally-organised women's Self-Help Groups access institutional credit directly from banks at subsidised interest rates, using peer group guarantee rather than traditional collateral. The ₹13.41 lakh crore cumulative figure represents total credit accessed this way since 2013-14, tracked via the SHG Bank Linkage Portal
Simple Analogy: It works like a group loan where the SHG's collective trust and joint responsibility substitute for the collateral an individual borrower would otherwise need to pledge
GS Paper 2 > Governance > Rural Livelihoods; GS Paper 3 > Financial Inclusion
Recurring — DAY-NRLM and Lakhpati Didi figures updated most Parliament sessions
An SHG woman sustainably earning at least ₹1 lakh/year for 4+ seasons/cycles under DAY-NRLM