Lucky Grahak Yojana: Reward Scheme For Promotion of Digital Payments

Lucky Grahak Yojana ( for consumers) and Digi Dhan Vyapar Yojana (for merchants) are two schemes announced by Government of India. The objective of the schemes is encouraging people to migrate to cashless digital payment mode. Government has announced exciting cash prizes on the basis of lucky draw. It plans to spend around Rs. 340 crores for these projects. The schemes are announced subsequent to the demonetisation and to give thrust on Digital India concept.

What is Lucky Grahak Yojana?

Lucky Grahak Yojana intends to encourage consumers to settle their purchases through digital mode of payment.   All bank account holders can take part in this Lucky Grahak Yojana. To participate in the scheme, the customer shall do a digital payment through any of the following modes.

Unified Payment Interface (UPI)
USSD *99# Banking
Adhaar Enabled Payment System (AEPS)
Rupay Card

The scheme is made effective from back date. The Digital payments made from November 8,2016 is applicable for the draw. The effective period of the campaign is from 8th  November 2016 to 13th  April 2017. The scheme runs for 100 days.

The lucky draw started on 25 December 2016.

Amount stipulation for participation

The purposes of the scheme are  1. encourage fresh users to shift to digital mode and 2. Prompt digital methods for more payments. To ensure maximum participation, minimum limit of Rs. 50 and maximum of Rs.3000 are stipulated. All transactions between these limits are eligible for lucky draw. As the number of digital transactions carried out increases, chances for prizes also increase.  Transactions where amount exceeds Rs. 3000 are not eligible for the draw.

Prize Structure

Daily Prize To Lucky Consumer

Daily 15,000 people would get the prize.
Every winner would get Rs 1000 each.
The Prize would be given for 100 days.

Number of winners

The lucky winner of this scheme is selected from each category of the transactions. Fixed number of prizes is ensured for each category, every day.

Mode of Transactions     Daily Winners
RuPay Card     11,900
UPI PSP App     1,500
AEPS ( Aadhar Enabled Payment System)     1,500
USSD *99#     1,00

Weekly Prize 
Weekly prizes for customers are worth Rs 1 lakh, Rs 10,000 and Rs. 5000.

Mega Prize 

The Mega draw would be held on 14th  April 2017, with the following mega prizes.

First prize – Rs 1 Crore
Second prize -Rs 50 lacs
Third prize – Rs 25 lacs

What are the prescribed payment modes to be eligible for Lucky Grahak Yojana?

Prizes would be given to those consumers who settle their bill for a service or product through payment using any of the four cashless/digital payment methods.

1.    Unified Payment Interface (UPI) – UPI is a mobile app based payment system. Most of the banks has launched separate UPI based mobile application or integrated UPI with existing mobile applications. SBI Pay, Lotza, Axis Pay, Pockets and PNB UPI are some of the standalone UPI applications launched by  banks. Transactions made through UPI based applications are eligible for the Lucky Draw.

However, transactions made through wallets which are not UPI based, Master/Visa/Maestro cards or net banking are not eligible for participation in the draw.

2.    USSD *99# Banking – Customers who have no internet or smart phone can also carry out digital payments. USSD system of payment is meant for customers who use feature phone. To use this payment mode  the customers have to dial *99# from the phone, and select the required service from the list.

3.     Adhaar Enabled Payment System (AEPS) – AEPS system allows to carry out digital financial transaction even without mobile phone, internet or signature. AEPS enables transaction through POS (MicroATM) being carried by the Business correspondent of any bank. Authentication is done through Aadhar and finger print.   The merchant uses Aadhaar payment app to get money.
4. Rupay Card – RuPay card is the debit card (ATM card) launched by NPCI for domestic transactions through ATMs or POS machines. All JanDhan Account holders have been issued with RuPay debit cards.

How  does the Lucky Grahak Yojana Work?

The scheme is only for those transactions which go through the NPCI platform.  NPCI manages transactions through RuPay card, UPI, USSD, IMPS and AEPS. However, for the Lucky Grahak Yojana, the payment through IMPS is not included.

1. For every transaction, an ID is generated automatically on completion of the transaction. NPCI collects all these transaction IDs of a given period. The  first draw on 25 December,  contained 8 crore transaction during 9 november to 24 december.
2. These IDs are further categorised on the basis of mode of payment i. e. Rupay, UPI, USSD and AEPS.
3. A lucky draw is conducted for each category.  NPCI uses specially developed software for the draw.
4. The selected transaction IDs are communicated to the bank through which the transactions were initiated. From their records, banks identify the customer of that transaction. It happens within 24 hours.
5. The bank gives the details of the winner the NPCI.
6. The NPCI credits the Rs 1000, in each of the account using the Niti Aayog funds.

How to ascertain your prize status under Lucky Grahak Yojana?

1.    Go to the https://digidhanlucky.mygov.in/ website
Click Consumer button (for Lucky Grahak Yojana participants)
2.    In the box that appears, enter  the mobile phone number registered with your UPI/ USSD/ RuPay/ AEPS account
3.    You will receive an OTP in your mobile phone.  Enter the  OTP in the box  that appears in the middle of the screen
4.    Click the Try Your Luck button
5.    The message that appears  shows  if you have won under the Lucky Grahak Yojana and Digi Dhan Vyapar Yojana
If you have made a payment via the approved methods but get  “No Information Available message”, you can search with more details, like  card number of RuPay, Aadhaar number for AEPS,  VPA for UPI transactions, and mobile number (once again) for USSD payments