NITI Aayog Launches Lucky Grahak Yojana & Digi-Dhan Vyapar Yojana


NITI Lucky Grahak Yojana: After implementing the order of Currency Ban, the general public is facing the problem of cash, so the government is encouraging the people for cashless transactions and digital payment.

In order to achieve this target of Digital Payment, the NITI Aayog has decided to launch two new scheme NITI Lucky Grahak Yojana and the Digi-Dhan Vyapar Yojana to give cash awards to consumers and merchants who are using the digital payment modes.

The scheme is specially launched to bring the poor the poor, lower middle class and small businesses into the digital payment system. The National Payment Corporation of India (NPCI) shall be the implementing agency for this scheme.

In an actual manner, the main aim of the scheme is to encourage the people to adopt the digital transactions and electronic payments especially for the poor and the middle-class families.

In this scheme, the poorest of poor will be eligible for rewards by using USSD and rural areas people can participate in this scheme through the AEPS.

The scheme will become operational with the first draw on 25th December, 2016 (as a Christmas gift to the nation) leading up to a Mega Draw on Babasaheb Ambedkar Jayanti on 14th April 2017. It will comprise of two major components, one for the Consumers and the other for the Merchants.


Lucky Grahak Yojana (Consumers)

  • Daily reward of Rs 1000 to be given to 15,000 lucky Consumers for a period of 100 days
  • Weekly prizes worth Rs 1 lakh, Rs 10,000 and Rs. 5000 for Consumers who use the alternate modes of digital Payments

This will include all forms of transactions viz. UPI, USSD, AEPS and RuPay Cards but will, for the time being, exclude transactions through Private Credit Cards and Digital Wallets.


Digi-Dhan Vyapar Yojana (Merchants)

  • Prizes for Merchants for all digital transactions conducted at Merchant establishments
  • Weekly prizes worth Rs. 50,000, Rs 5,000 and Rs. 2,500

The winners will be identified through a random draw of the eligible Transaction IDs.

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  1. Dear Sir,

    I have downloaded PNB UPI app on my mobile and have
    registered it with my bank account.

    But I am not able to get the option to pay my utility bills
    through this app.

    POS is not freely available everywhere.
    I am unable to do cashless transactions.

    Please guide me accordingly.

    Thanking you in anticipation.

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