PM Narendra Modi Unveils ‘Lucky Grahak Yojana and Digi Dhan Vyapaar Yojana Schemes

To boost the cashless economy and given improving digital transactions, Prime Minister Narendra Modi launched two schemes named Luck Grahak Yojana and Digi Dhan Vyapaar Yojana for consumers and retailers alike to endorse mobile banking and electronic payments. Constructing his last monthly address this year in his Mann Ki Baat Program, he said there is a lot of curiosity in the country to know what is cashless, how cashless business can take place and how can you make the purchase without using cash.

To boost the digital transactions, reinforce mobile banking and inculcate the habit of making e-payments, the Government has introduced two new schemes for both consumers and traders today. To encourage customers, Lucky Grahak Yojana scheme has been launched, and for retailers, the scheme is Digi Dhan Vyapaar Yojana.

Speaking about the new projects, Modi said, “The new plans for traders and consumers launched as a Christmas gift and through a draw system, 15,000 people will get rewards, whereby each of the 15,000 winners will have Rs 1,000 in their accounts.

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Narendra Modi said, “Starting today, and this scheme will continue for next 100 days. Every day 15,000 people are going to receive rewards of Rs. 1,000 each. In the next 100 days, lakhs of families are going to receive crores of rupees as a gift, but you will be allowed to this gift only if you make use of mobile banking, e-banking, Rupay Card, UPI, USSD, etc.”

The draw will be done based on the use of such digital payment methods. Apart from this, he said, there will be a grand draw once every week for such customers in which the prize money will be in lakhs of rupees. On April 14, on behalf of the Dr. Baba Saheb Ambedkar Birthday, there will be a mega bumper draw where rewards will be in crores.

On the flipside, Digi Dhan Vyapaar Yojana is mainly for merchants and businessman. Modi said sellers should accept this scheme themselves and inspire their customers too to make the business cashless. Such people will also be rewarded separately, and there would be thousands of these rewards. Through these schemes, the buyers will run their business activities smoothly and will also have an opportunity to win rewards.

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The Digi Dhan Vyapaar Yojana and Lucky Grahak Yojana schemes have been designed keeping the public in mind especially poor and middle-class segments. However, only those will get benefits that make a purchase worth more than Rs 50 but less than Rs 3000. Candidates who make purchases of more than Rs 3,000 won’t be allowed under this scheme, Modi said.


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