LokOS (Lok Operating System) is a comprehensive web and mobile digital platform under the Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM), designed for end-to-end digitization of Self-Help Groups (SHGs) and their federations. The platform serves as a digital backbone for rural livelihoods, digitizing member records, profiles, savings, lending, repayments, financial transactions, and convergence initiatives while capturing financial transactions amounting to ₹2 lakh crore annually within the SHG network.
The platform comprises both web and mobile applications with distinct 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, while the mobile application enables efficient recording and management of Community-Based Organization activities in the field. Key features include end-to-end digital management of SHG institutions, generation of Aadhaar- and bank-linked digital identities, digital financial records maintenance, livelihood profiling, role-based administration, and real-time analytics with dashboards and one-click reports.
LokOS has achieved significant nationwide penetration, currently covering 34 States/UTs, 762 districts, 7,241 blocks, 2.57 lakh Gram Panchayats, and 5.92 lakh villages. The platform has digitally integrated 34,314 Cluster Level Federations (CLFs), 5.62 lakh Village Organizations (VOs), 94.16 lakh Self-Help Groups, and 10.03 crore SHG members. Financially, the platform tracks substantial fund mobilization including ₹9,718.41 crore in Revolving Fund (RF), ₹64,607.66 crore in Community Investment Fund (CIF), and ₹38.34 crore in Community Enterprise Fund (CEF).
The platform specifically supports the Lakhpati Didi initiative through large-scale outreach, beneficiary tracking, and digital monitoring, utilizing a network of 6,611 Master Trainers, 4.09 lakh Community Resource Persons (CRPs), and tracking 3.87 crore Potential Lakhpati Didis (PLDs). Additionally, the platform maintains 18.50 crore Digital Aajeevika Registers (DARs) for livelihood planning and monitoring.
Recently, on 29th June 2026, the SHE-LEAPS (Self-Help Entrepreneur-Livelihoods and Enterprise Application for Prosperity and Sustainability) platform was launched under the LokOS framework. This digital platform empowers women associated with SHGs across rural India by providing a unified platform for enterprise creation, performance tracking, and business management, supporting both farm and non-farm enterprises to strengthen the rural economy.