LokOS (Lok = People, OS = Operating System) is a Profile Management and Financial Operational System for rural Community-Based Organizations (CBOs), such as Self-Help Groups (SHGs) and their federations, in India.
It is a national digital platform under the National Rural Livelihoods Mission (DAY-NRLM) of the Ministry of Rural Development.
Its primary purpose is to:
Digitize Records: Move the traditional, paper-based bookkeeping of CBOs (like member savings, loans, and repayments) onto a secure, centralized digital system.
Empower Rural Women: Streamline financial transactions, provide real-time data, and offer a platform for members (mostly women) to access financial assistance, track their livelihoods, and connect with various government schemes.
Enhance Transparency and Efficiency: Reduce the workload on bookkeepers and provide a transparent, data-driven approach for managing and monitoring the vast SHG network across the country.
