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APSC CCE Mains PYQ Solved | APSC CCE 2023 Model Answer

Preparing for the APSC CCE Mains Examination requires much more than just reading books and making notes. One of the most effective ways to understand the actual demand of the examination is by practicing and analyzing Previous Year Questions (PYQs).

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APSC Mains GS Paper 2: 2023: Discuss how ‘Lakhpati Didi’ scheme aligns with the broader mission of poverty alleviation and socio-economic empowerment of women. (10 marks, 150 Words)

Model Answer:

As highlighted in the Union Budget 2026, the Lakhpati Didi initiative under DAY-NRLM seeks to empower 6 crore women to earn over ₹1 lakh annually, directly advancing SDG 1 (No Poverty) and SDG 5 (Gender Equality).

Lakhpati Didi Scheme: A Catalyst for Poverty Alleviation

Targeted Income Generation: It shifts rural households from subsistence living to sustainable micro-enterprises by ensuring a stable average monthly income of at least ₹10,000 across multiple business cycles.
Institutional Financial Support: Provides collateral-free loans, interest subventions, and critical capital through the Community Investment Fund (CIF) and Revolving Fund (RF).
- (Example: Improved credit access has reduced SHG loan NPAs to around 1.76%, showcasing enhanced financial discipline).
Innovative Market Linkages: The recent introduction of SHE-Marts (Budget 2026) establishes community-owned retail outlets at the district level, expanding market access and revenue for SHG products.

Socio-Economic Empowerment of Women

Breaking Occupational Stereotypes: Women are upskilled in modern, high-yield sectors such as drone operation, LED bulb manufacturing, and digital financial services (BC Sakhis).
Enhanced Household Agency: Economic independence elevates women’s status and bargaining power in domestic decision-making, leading to improved family health and educational outcomes as correlated by NFHS-5 data.
Grassroots Leadership: By mobilizing over 10 crore women into 90+ lakh SHGs, the scheme establishes one of the world’s largest networks of women-led community institutions, fostering collective bargaining and resilience.

Assam & North-East Perspective

Synergy with State Missions: The initiative perfectly complements the Assam State Rural Livelihoods Mission (ASRLM), helping women in the Brahmaputra Valley scale up traditional handloom, piggery, and organic farming micro-businesses.
Convergence for Holistic Empowerment: When integrated with the Assam government’s direct benefit schemes like Orunodoi, it creates a robust safety net, accelerating the transition of rural Assamese women into successful, self-reliant entrepreneurs.

Elevating rural women from credit-linked beneficiaries to confident enterprise owners embodies the spirit of Sabka Saath, Sabka Vikas. This women-led development model will serve as the foundational bedrock for achieving inclusive growth and a Viksit Bharat by 2047.

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