Home | Odisha Livelihoods Mission

Shri Mohan Charan Majhi Hon'ble Chief Minister

Lakhpati Didi Initiative - Empowering Rural Women in Odisha

A Lakhpati Didi is a Self-Help Group member who earns an annual household income of Rupees One Lakh (Rs. 1,00,000) or more. This income is calculated for at least four agricultural seasons and/or business cycles, with an average monthly income exceeding Rupees Ten Thousand (Rs. 10,000), so that it is sustainable.

The concept of Lakhpati Didi was first announced by Hon’ble Prime Minister of India during his Independence Speech on 15th August, 2023.

From the F/Y-2024-25 Lakhpati Didi Initiatives has been implemented under DAY-NRLM across the Nation.

Target:

Ministry of Rural Development (MoRD), GoI has given a target of 16.19 Lakh Lakhpati Didis creation in Odisha during the FY 2024-25. 16.42 lakh (101%) Lakhpati Didi created during 2024-25. State government planned to create 25 Lakh Lakhpati Didi by 2027.

In order to achieve the target, the following steps have been taken by OLM:

Identification of Potential Lakhpati Didis (PLDs):

HHs having more than one Livelihoods activities and of which at least one activity is related to either farm or non-farm activities.
HH annual income is more than Rs 60,000/-.
Preference is given to the HHs that have availed/benefited under DAY-NRLM’s farm and non-farm schemes.

Equal opportunity given to all categories of SHG members and HHs to be selected from all geographies.

Master Trainers created on Lakhpati Didi Initiatives to train the Aajeevika CRPs, who will train and provide handhold supports to the PLDs.

Potential Lakhpati Didis (PLDs) being trained on Lakhpati Initiatives, including preparation of Business Development Plan by Aajeevika CRPs and OLM staff.

The income details (Quarterly basis) of the PLDs are being captured in the Digital Aajeevika Register (DAR) of LokOS Mobile App by the CRPs and approved by concerned Block Program Managers for reflecting their income status in MoRD LokOS Portal.

For facilitating the activities a State and District Level Steering committee on Lakhpati Didi have been formed with the chairpersonship of concerned Secretary and Collector respectively. OLM has formed the committee at both levels.

The objectives of the committees are as follows:

Review the existing initiatives under DAY-NRLM for livelihoods enhancement and advice on strategy and roadmap for Lakhpati Didi initiative.
Coordinate and ensure collaboration within the schemes of department of Mission Shakti and other relevant line departments for convergent effort.
Recommend measures to effectively operationalise the Lakhpati Didi initiative.
Review and guide in developing necessary knowledge and resource materials for capacitating the functionaries and stakeholders.
Deliberate and give recommendations on matters relevant to the topic.
Periodically monitor the progress of Lakhpati Didi initiative and take steps for accelerating the progress.
Guide the Mission units in creating a robust monitoring framework and necessary MIS to track progress of the convergence and livelihoods initiatives.
Review the monitoring reports, success stories and scalable models/solutions and recommend for scaling such efforts.
Recommend for constituting various Specialist Groups/Sub-groups/task forces etc. as considered necessary and co-opt other members to the Steering Committee for specific inputs.

Role of State level Steering Committee:

Policy Framework and System Alignment: To develop policies and align systems across the state to support the Lakhpati Didi initiative's objectives, the State Level Steering Committee has been constituted and the first meeting has been organized.
Resource Mobilization for System Development:Secure resources for the development and maintenance of systems that support district and block level teams.
Statewide System Coordination: Ensure consistency and coherence in systems across different districts to facilitate uniform support for CRPs.
Monitoring and Evaluation Systems: Implement state-level monitoring and evaluation systems to assess the impact of these support systems on the program's success.
Innovation and Best Practices: Encourage innovation in system development and share best practices across districts to continually enhance support to CRPs.

Role of District level Steering Committee:

District Level Monitoring and Implementation: For better implementation of policies framed by the State Level Steering Committee and proper monitoring, the District Level Steering Committee has been constituted in all 30 districts.
Information and Resource Flow Management:Establish efficient information and resource distribution channels to ensure Block level teams and CRPs are well-equipped.
Developing Supportive Systems: Create and implement systems at the district level that facilitate the work of Block level teams and CRPs.
Review of Livelihood Plans: Review the Livelihood plan prepared at CLF level and provide suggestions on the same.
Feedback and Improvement Systems: Set up systems for collecting and analyzing feedback from Block level teams and CRPs to continually improve support mechanisms.
Collaboration and Partnership Development: Foster partnerships with local NGOs, government bodies, and other stakeholders to strengthen support systems for CRPs.
Technology Integration:Utilize technology to streamline processes and improve communication between district, block, and CRP levels.

For more details : click here

LakhpatiDidi Booklet : click here

Institution Building

It is a homogeneous group,It is constituted of 10-20 members having the same socio economic back ground who belong to the same hamlet/village.
In case of special SHGs i.e. groups in the difficult areas, groups with disabled persons, and groups formed in remote tribal areas, this number may be a minimum of 5 persons.
Only for groups to be formed with Persons with disabilities, and other special categories like elder, transgender, DAY-NRLM will have both men and women in the Self-Help Groups.
Two members from the SHGs are selected as Officer Bearers, who are President and Secretary
SHG mostly involved in saving and credit functions.
SHG can access collateral free loan from Bank on meeting certain eligibility criteria.

A Cluster Level Forum (CLF) is formed at Revenue village level.
All SHGs of the Revenue village are member in the CLF.
Two members from each SHGs from the Executive Committee of CLF.
Five members from EC are selected as Office Bearers.
CLF facilitates inclusion of women members into SHG, monitors the performance of member SHG and appraise SHGs to get community Finance.

A GPLF is formed at GP Level.
All CLFs of the Gram Panchayat are the members in the GPLF.
There are 11 EC members, out of which 5 acts as office bearers.
The GPLF focuses on financial intermediation, formation & nurturing of SHGs.

Community Support Staff (CSS) :

For strengthening of these institutions, Community Support Staff are engaged at the CLF and GPLF level. Following are the primary community support staff working under the Mission -

CRP CM

Community Resource Person-Community Mobilization (CRP-CM) responsible for supporting 5 to 15 SHGs at one cluster (one / two villages). Will be primarily accountable and report to one Cluster Level Forum (CLF). CRP-CM will provide different services like Capacity Building, handholding , book keeping, etc to the SHGs as well as CLF.

MBK ( Master Book Keeper)

MBK Will be responsible and accountable to one GPLF will write and update the books of accounts of GPLF on regular basis.

Bank Mitra

She will work for one or more GPLFs coming under the service area branch.

Krushi Mitra

There will be one Krushi Mitra for 150 HHs and accordingly will work for one or more villages as assigned by the GPLF.

Prani Mitra

Prani Mitra will work for one or more villages as assigned by the GPLF, maximum two Prani Mitras per GP.

For providing different services, these community support staff are provided with activity-linked assured remuneration and performance-based incentives based upon the deliverables.

The start-up fund is provided for operation and maintenance of Gram Panchayat Level Federations and Cluster Level Forum Offices.

The GPLF received IB fund to meet the expenses towards capacity building of members.

Regular meeting
Regular savings
Regular internal lending
Regular repayment of loan and
Regular book keeping
Health & Nutrition

Education
Coordination with PRIs
Access to Entitlements under Government Scheme
Sustainable livelihoods

Images of CBO :

Capacity building programme of OLM is designed to strengthen the skill, knowledge, and leadership abilities of staff , community cadres and rural communities, especially women engaged in self-help groups and livelihood initiatives. Need based training programmes are designed and provided to the project staff , CSS and CBOs.

Its key objectives include :

Enhancing institutional capacities of SHGs, CLFs, and GPLFs.
Training community support staff for effective grassroots implementation.
Promoting financial literacy, enterprise development, and digital inclusion.
Building awareness on social issues like gender equity, health, and nutrition.
Facilitating convergence with government schemes and entitlements.

The programme uses a mix of residential trainings, on-site mentoring and exposure visits, ensuring continuous learning and practical application.

Capacity Building of CBOs Training

Capacity Building of CSS

Capacity Building of Staff

Community Finance

Under Community Finance, Self-Help Groups (SHGs) and their federations are provided different types of funds, aimed at enhancing socio-economic conditions and productive capacity. This system is strengthened through three key instruments: Revolving Fund (RF), the Vulnerability Reduction Fund (VRF), and the Community Investment Fund (CIF).

Revolving Fund

Revolving Fund is provided to SHGs to meet their initial consumption and production needs. It is a grant to SHG and loan to members. The fund size under RF has been enhanced from Rs.15000/- to Rs. 30,000/-.

Vulnerability Reduction Fund (VRF)

The Vulnerability Reduction Fund (VRF) is a grant provided to the Cluster Level Forum (CLF) to address specific vulnerabilities; such as food insecurity, health risks, natural calamities, and other emergencies. Each CLF receives Rs.1.5 lakh under this fund.

Community Investment Fund (CIF)

The Community Investment Fund (CIF) is provided as a grant to the Gram Panchayat Level Federation (GPLF), which in turn disbursed to Self-Help Groups (SHGs) as loans, based on the Micro Investment Plan (MIP) prepared by each SHG.The amount of CIF to GPLF has been enhanced to Rs.60 Lakh from Rs.35 lakhs .

Model GPLF

The Model GPLF showcases social, financial, and economic inclusion through convergence with government schemes, aiming to make it a self-sustaining, community-owned and managed institution. The following interventions are taken up under M- GPLF.

Visioning exercise

AAP and BDP exercise

Viability Gap Fund (VGF)

Establishment of CMTC

Immersion Site in Model CLF