Governance Samyak IAS 04 Jul, 2026 2 min read

LokOS: A Digital Backbone for Rural Livelihoods-PIB

LokOS (Lok = People, OS = Operating System) is a web and mobile platform under the Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM) for end-to-end digitization of Self-Help Groups and their federations.

DAY-NRLM is a flagship poverty alleviation programme promoting self-employment, skilled jobs, and sustainable livelihoods for poor rural households.

LokOS offers a comprehensive digital solution for managing Self-Help Groups (SHGs) and Community-Based Organizations (CBOs) by digitizing member records, profiles, savings, lending, repayments, financial transactions, livelihoods, and convergence initiatives.

The platform further strengthens governance and financial management by:

reducing manual record-keeping through digital records,
enabling real-time transaction tracking for SHGs,
improving transparency, accountability, and operational efficiency, and
capturing financial transactions amounting to ₹2 lakh crore per year within the SHG network.

LokOS comprises both web and mobile applications, each designed to serve distinct user groups and functionalities. The web application supports administrators, E-bookkeepers, and transaction approvers in creating and approving SHGs, Village Organizations (VOs), Cluster Level Federations (CLFs), and their members.

LokOS Supporting Lakhpati Didis

LokOS supports the Lakhpati Didi initiative through digital outreach, beneficiary tracking, and real-time monitoring.
It enables implementation through a strong community network of:
- 6,611 Master Trainers
- 4.09 lakh Community Resource Persons
- 3.87 crore Potential Lakhpati Didis
The platform maintains 18.50 crore Digital Aajeevika Registers, which help in livelihood planning, monitoring, and implementation.
LokOS ensures end-to-end digitization of Community-Based Organizations under DAY-NRLM.
It improves:Transparency , Governance , Operational efficiency and Digital financial management
It promotes women’s economic empowerment by supporting livelihood-based income generation.
LokOS also strengthens financial inclusion among rural women.
Overall, it contributes to building self-reliant and digitally empowered rural communities.