Introduction :
Hello peeps! Today we are going to discuss about the most anticipated government scheme which is “lakhpati didi yojana“. We will break down all the details including eligibility details, how to apply, what are the interest subvention available under the scheme and all the other details regarding the lakhpati didi yojana.The BJP government launched the Lakhpati Didi Scheme in Rajasthan on 23 December 2023.
Eligibility:
Individual members of the self help group that is registered under Deendayal antyoday yojana (DAY) – NRLM- National rural livelihoods mission who is having the monthly individual family income of above 1 lakhs are elgible.
It is eligible for Agriculture, Fishery, Allied agri and many other activities.
How to apply?
Visit your nearest Public sector bank where you are maintaining the SB account. Carry along the SHG details, pan card, aadhard card, bank passbook and other KYC details. Under this scheme, the bank can offer from 0.75 lakhs to 5 lakhs based on the requirement and the activities associated.
Submit the KYC details along with the quotation and explain the requirements as such. The bank takes your application and starts processing. You also need to visit the nearest aajivika office to inform the same as they need to generate the unique code for each member of the SHG since the banks need it to process the loan.
The loan is covered under CGTMSE/CGFMU credit guarantee coverage. If in case of any default by the borrower is paid back to the banks by the central government. Apart from these, there is interest subvention of 2% for the prompt repayment from the central government which will be released to the individual banks on quarterly basis to the individual banks.
Conclusion:
This is the best way to increase the income of the household who is having the credit crunch to establish/ extend their activities genuinely. Feel free to comment down any of your doubts and our team will revert as soon as possible.
Also check our other government scheme articles