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Ind Lakhpati Didi Scheme

Need-based term finance of ₹75,000–₹5 lakh for women members establishing -eligible agriculture and allied enterprises.

Interest rateOne-year MCLR plus applicable spread.Maximum amountNeed-based ₹75,000 to ₹5 lakh.TenureMaximum 60 months including moratorium.
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Quick eligibility check

Ind Lakhpati Didi Scheme

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: a mature DAY-NRLM SHG, regular repayment record and CIC score meeting bank guidelines are required?

Published source: Minimum income

2Do you meet this requirement: Individual woman entrepreneur from a well-functioning DAY-NRLM-sponsored mature SHG active at least two years, with credit-linked SHG regular repayment, DAY-NRLM reference code, NRLM/SRLM forwarding letter and CIC score per bank guidelines?

Published source: Eligibility

3Do you meet this requirement: purpose is MUDRA-eligible agri/allied enterprise?

Published source: Eligibility

4Do you meet this requirement: no broader checklist is published?

Published source: Required documents

5Do you meet this requirement: Individual woman entrepreneur must come from a well-functioning mature SHG sponsored by DAY-NRLM and functioning for at least two years?

6Document checkDo you have this required document or proof: DAY-NRLM SHG/reference-code evidence?

Published source: Required documents

7Document checkDo you have this required document or proof: Regular repayment record?

Published source: Required documents

8Document checkDo you have this required document or proof: NRLM/SRLM forwarding letter?

Published source: Required documents

9Document checkDo you have this required document or proof: Identity and KYC documents?

Published source: Required documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byIndian Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeTerm loan.View source
The official table lists term loan.
Source
Ind Lakhpati Didi Scheme
Page / section
Type of Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Interest rateOne-year MCLR plus applicable spread.View source
The official table states 1 Year + Applicable spread.
Source
Ind Lakhpati Didi rate
Page / section
Interest rate
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
BenchmarkMCLR (one-year) plus applicable spread.View source
The official rate row publishes the benchmark.
Source
Ind Lakhpati Didi benchmark
Page / section
Interest rate
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNo separate APR percentage is published.View source
No appears.
Source
Ind Lakhpati Didi review
Page / section
Complete product table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; a mature DAY-NRLM SHG, regular repayment record and CIC score meeting bank guidelines are required.View source
The official table uses history and credit conditions rather than salary.
Source
Ind Lakhpati Didi eligibility review
Page / section
Target Group; Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Maximum amountNeed-based ₹75,000 to ₹5 lakh.View source
The official table publishes ₹0.75 lakh to ₹5.00 lakh.
Source
Ind Lakhpati Didi quantum
Page / section
Quantum of Loan
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 60 months including moratorium.View source
The official table publishes 60 months including moratorium.
Source
Ind Lakhpati Didi repayment
Page / section
Repayment
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeNo product-specific processing fee is published.View source
The official table has no fee row.
Source
Ind Lakhpati Didi fee review
Page / section
Complete product table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo separate charge is published.View source
The official table has no foreclosure row.
Source
Ind Lakhpati Didi prepayment review
Page / section
Complete product table
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityIndividual woman entrepreneur from a well-functioning DAY-NRLM-sponsored mature SHG active at least two years, with credit-linked SHG regular repayment, DAY-NRLM reference code, NRLM/SRLM forwarding letter and CIC score per bank guidelines; purpose is MUDRA-eligible agri/allied enterprise.View source
The official table sets the , forwarding, credit and purpose conditions.
Source
Ind Lakhpati Didi eligibility
Page / section
Target Group; Purpose; Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Required documentsDAY-NRLM reference-code evidence, SHG repayment record, NRLM/SRLM forwarding letter and identity/KYC documents; no broader checklist is published.View source
The official eligibility row names the reference code, forwarding letter and repayment record; no additional checklist appears.
Source
Ind Lakhpati Didi documentation
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹75,000 to ₹5 lakh need-based loan
  • Term loan for -eligible agri/allied activities
  • One-year plus applicable spread
  • Repayment up to 60 months including moratorium
  • DAY-NRLM/SRLM-linked support

Eligibility

  • Individual woman entrepreneur must come from a well-functioning mature sponsored by DAY-NRLM and functioning for at least two years.
  • Credit-linked with regular repayment records, DAY-NRLM unique reference code, NRLM/SRLM forwarding letter and consumer score meeting bank guidelines are required.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • DAY-NRLM /reference-code evidence
  • Regular repayment record
  • NRLM/SRLM forwarding letter
  • Identity and documents

Related official documents

Ind Lakhpati Didi Scheme — Indian Bankofficial-product-page · current · accessed 31 Aug 2026
↗

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Target group · Published detailIndividual woman entrepreneur from mature DAY-NRLM-sponsored functioning at least two years.

This value is copied from Ind Lakhpati Didi — published terms. Check the table notes before relying on it.

Source: Ind Lakhpati Didi Scheme · Complete product table Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 2 columnsInd Lakhpati Didi — published termsCurrent Indian Bank women-SHG entrepreneur loan terms.View tableHide table

Scroll sideways to view every column

Ind Lakhpati Didi — published terms
ParameterPublished detail
Target groupIndividual woman entrepreneur from mature DAY-NRLM-sponsored functioning at least two years.
Purpose-eligible agriculture and allied enterprise.
EligibilityCredit-linked with regular repayment, DAY-NRLM reference code, NRLM/SRLM forwarding letter and score per bank guidelines.
QuantumNeed-based ₹75,000–₹5 lakh.
RateOne-year + applicable spread.
RepaymentMaximum 60 months including moratorium.
Fee/documentsNo fee row; reference code, repayment record, forwarding letter and are named.
Ind Lakhpati Didi Scheme · Complete product table · accessed 31 Aug 2026Open official source ↗

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