The primary aim of these schemes is to incentivize digital transactions so that electronic
payments are adopted by all sections of the society, especially the poor and the middle
The scheme will become operational with the first draw on 25 th December, 2016 (as a
Christmas gift to the nation) leading up to a Mega Draw on Babasaheb Ambedkar Jayanti on
14 th April 2017. It will comprise of two major components, one for the Consumers and the
other for the Merchants:
The Lucky Grahak Yojana offered cash awards to consumers and merchants who utilized
digital payment instruments for personal consumption expenditures. The scheme specially
focused on bringing the poor, lower middle class and small businesses into the digital
payment fold. The National Payment Corporation of India (NPCI) implemented the scheme.
Duration of the scheme
The scheme was operational during the period 25 th December, 2016 to 14 th April 2017.
Components of the scheme
The scheme comprised of two major components, one for the Consumers and the other for
Lucky Grahak Yojana (Consumers)
All Consumer to Merchants, Consumer to Government and all AEPS transactions done from
November 8, 2017 were eligible. Person to Person and Business to Business transfers were
Customers and merchants using RuPay Card, BHIM, UPI (Bharat Interface for Money/Unified
Payment Interface), USSD based *99# service and Aadhaar enabled Payment Service (AePS)
were eligible for participating in the daily and weekly lucky draws. Transactions through
Credit cards/ e wallets were not eligible.
Transactions between Rs 50 - Rs 3,000.
Plot No. 334,Visalakshinagar, Visakhapatnam - 530043. Andhra Pradesh, India.