In News:

The LokOS platform has significantly expanded its reach across India, enabling large-scale digital transformation of Self-Help Groups (SHGs) and other Community-Based Organizations (CBOs) under the Deendayal Antyodaya Yojana–National Rural Livelihoods Mission (DAY-NRLM).

About LokOS Platform

LokOS (Lok = People, OS = Operating System) is a web- and mobile-based digital platform developed under DAY-NRLM to facilitate end-to-end digital management of Self-Help Groups (SHGs) and Community-Based Organizations (CBOs).

It serves as a unified digital operating system for creating, managing, monitoring, and strengthening community institutions while promoting transparency, financial inclusion, and efficient implementation of rural livelihood programmes.

Objectives

• Digitally manage community institutions under DAY-NRLM.
• Improve governance, transparency, and accountability.
• Strengthen women-led rural enterprises and financial inclusion.
• Enable real-time monitoring and data-driven policymaking.
• Support implementation of the Lakhpati Didi initiative through digital beneficiary tracking.

Key Features

• The web application enables administrators, e-bookkeepers, and transaction approvers to create and manage Self-Help Groups (SHGs), Village Organizations (VOs), Cluster Level Federations (CLFs) and their members.
• The mobile application facilitates field-level recording and management of community activities, allowing real-time data collection and updates.
• LokOS provides end-to-end digital management by registering community institutions, maintaining member databases, and generating Aadhaar- and bank-linked digital identities for organizations and beneficiaries.
• The platform records savings, internal lending, loan repayments, and other financial transactions, thereby improving financial transparency and record keeping.
• It also captures livelihood profiling of members, enabling convergence with government welfare schemes and better livelihood planning.
• Role-based access ensures secure user management, approvals, monitoring, and reporting at village, block, district, state, and national levels. In addition, real-time dashboards and one-click analytical reports support evidence-based decision-making.

Coverage

The platform has been rolled out across 34 States and Union Territories, enabling nationwide digital integration of:

• Self-Help Groups (SHGs)
• Village Organizations (VOs)
• Cluster Level Federations (CLFs)
• SHG members