Government schemes for women in the Andaman and Nicobar Islands, ₹2,500 pensions and a new home stay scheme
In the Andaman and Nicobar Islands, widows and destitute women get ₹2,500 a month from the Administration if they have lived there 10 years and earn under ₹48,000 a year. To earn, women can join the free one-year trade training (the next intake is 2027), borrow from ANIIDCO, or register spare rooms under the home stay rules notified on 14 October 2026.
Start here
- You are a widow with very little income
Apply to the Welfare Officer (Women) through your CDPO office for ₹2,500 a month. A decision is due within 45 days. A&N Islands Widow Allowance / Pension
- You have no one to support you
Ask the same CDPO office about the destitute women allowance, also ₹2,500 a month, and what proof they need from you. A&N Islands Allowance to Destitute Women
- You have spare rooms near a tourist spot
Register them as a home stay on the National Single Window portal under the October 2026 rules, for 1 to 8 rooms. Andaman and Nicobar Bed and Breakfast / Home Stay Establishment Scheme
- You passed class 10 and want a trade
Watch for the Directorate of Industries notice around May 2027 for free year-long training, tailoring included. One Year Conventional Training Programme, Directorate of Industries
- You have a business plan
Ask ANIIDCO in Sri Vijaya Puram for a loan of up to 75% of the project cost. Call 03192 237251 first. ANIIDCO Credit and Finance (term loans for small businesses)
All schemes at a glance
| Scheme | What you get | Status | For |
|---|---|---|---|
| A&N Islands Widow Allowance / Pension | ₹2,500 a month, paid into her bank account | Open | A widow: her husband has died, or has been declared dead by a court, or nobody knows where he is for more than 7 years |
| A&N Islands Allowance to Destitute Women | ₹2,500 a month, paid into her bank account | Open | A destitute woman with no one to support her |
| SARATHINI: Free LMV Driving Training Scheme for Women | Free training to drive a car (light motor vehicle) | Paused | Women only |
| One Year Conventional Training Programme, Directorate of Industries | Free one-year training in a trade such as tailoring and garment making, with a monthly stipend announced with each intake | Open | Passed Class 10 |
| ANIIDCO Credit and Finance (term loans for small businesses) | Loan for 75% of the project cost up to ₹10 lakh, and 66% of the cost above ₹10 lakh, repaid over up to 10 years | Open | Someone setting up an eligible unit in the islands: manufacturing or processing, transport, hotel or restaurant, repair or packing with machines, technical or medical services, construction equipment, shopping complex, computer institute franchise, or tourism facilities |
| Andaman and Nicobar Bed and Breakfast / Home Stay Establishment Scheme | Official Silver or Gold home stay registration for 1 to 8 guest rooms, a listing in the Tourism directory, and property and water tax at household rates | Open | Owner of a house in the A&N Islands with at least 1 and at most 8 rooms (16 beds) to let; the owner may or may not live there |
Also open to women here, explained once on the schemes page: Pradhan Mantri MUDRA Yojana (PMMY), Prime Minister's Employment Generation Programme (PMEGP), Lakhpati Didi under Deendayal Antyodaya Yojana: National Rural Livelihoods Mission (DAY-NRLM), Prime Minister Internship Scheme (PMIS), National Career Service (NCS) Portal, e-Shram card (National Database of Unorganised Workers).
Find the schemes you can get
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The ₹2,500 pensions: what is true now
- ₹2,500 a month for widows and for destitute women, the rate since April 2018. It goes into your bank account.
- Who can apply: a woman who has lived in the islands for at least 10 years and whose own income is below ₹48,000 a year.
- Keep it coming: give a life certificate every year through your Anganwadi worker, and tell the Directorate within 15 days if your income goes up.
- No raise yet. In 2025 leaders asked for ₹5,000 a month; no order had come by October 2026.
Websites that say the islands pay widows ₹1,500 are wrong. Apply only through your CDPO office; the form is free.
Work: training, loans and home stays
- Trade training: the Directorate of Industries trains you free for a year at Sri Vijaya Puram, Diglipur, Hut Bay or Car Nicobar. The 2026 to 27 forms closed on 15 July 2026. It also runs short courses, such as 3 months of tailoring for women.
- ANIIDCO loans: 75% of a project up to ₹10 lakh and 66% above that, repaid over up to 10 years. It is a loan, not a grant, and above ₹2 lakh you need collateral.
- Home stays: the October 2026 rules give a Silver or Gold approval for 3 years, a place in the Tourism directory and household rates for property and water tax.
- SARATHINI free car driving training for women has had no batch since September 2025. The form is still on the Transport Department site.
We found no unemployment allowance and no women's quota for Administration jobs in the islands.
Official helplines
| For | Number |
|---|---|
| ANIIDCO loans (Credit and Finance) | 03192 237251 |
| Police Control Room, Sri Vijaya Puram | 03192 232100 |
| Women's helpline | 181 |
| Emergency | 112 |
| Lost money to a fake link | 1930 or cybercrime.gov.in |
Each scheme in detail
Money every month
A&N Islands Widow Allowance / Pension
OpenAlso called Widow Pension Andaman, Andaman and Nicobar Islands Widow Pension Scheme, ANIWPS, Vidhwa Pension Andaman, Widow allowance A&N
₹2,500 a month, paid into her bank account
A monthly allowance of ₹2,500 from the A&N Administration for poor widows of the islands, paid straight into her bank account. It is for a widow with very low income who has lived in the islands for more than 10 years.
- Status
- Paid every month in 2026 at ₹2,500, the rate set from April 2018; the Directorate of Social Welfare still lists it as a UT scheme and takes new applications through the CDPO offices (checked 25 October 2026).
- Who can apply
- A widow: her husband has died, or has been declared dead by a court, or nobody knows where he is for more than 7 years
- Permanent resident of the A&N Islands, or living in the islands continuously for more than 10 years
- Her income is below ₹48,000 a year (₹4,000 a month), certified by the Revenue Authority
- The allowance stops if she remarries or moves out of the islands for good
- Documents
- Residence, domicile or local certificate, or Islander Identity card
- Bank passbook, attested
- Monthly income certificate from the Revenue Authorities
- Husband's death certificate, or a court certificate if his whereabouts are not known for more than 7 years
- Filled application form
- How to apply
- Get the free application form from the Directorate of Social Welfare, Goalghar, Sri Vijaya Puram, or your CDPO office
- Attach the documents and hand the form in at the CDPO office for your area (Urban at Dollygunj, Ferrargunj, Rangat, Diglipur or Car Nicobar)
- The Mukhya Sevika checks your case; the Directorate decides within about 45 days
- Once paid, give a life certificate every year through your Anganwadi worker, or the payment stops
In person: CDPO office (Urban Dollygunj, Ferrargunj, Rangat, Diglipur, Car Nicobar) or Welfare Officer (Women), Directorate of Social Welfare, Goalghar, Sri Vijaya Puram
- Run by
- Directorate of Social Welfare, Andaman and Nicobar Administration
The income limit is on her own income, not the family's. If she already gets another pension from a government body, the allowance can be cut, so tell the CDPO. Leaders asked in 2025 for ₹5,000 a month, but no increase had been ordered by October 2026.
Checked 25 October 2026 against Kalyan Darpan, Quarterly Newsletter (1st Edition), April 2025: Social Security Pensions, Citizen Charter (Social Welfare section): Widow Pension, MP Bishnu Pada Ray Urges Doubling of Social Security Allowances in A&N Islands (news, status only) · Official page to apply
A&N Islands Allowance to Destitute Women
OpenAlso called Destitute Allowance Andaman, Destitute Women Pension Andaman, Destitute Pension, ANIADWS, Andaman and Nicobar Islands Allowance to Destitute Women Scheme
₹2,500 a month, paid into her bank account
A monthly allowance of ₹2,500 for destitute women of the A&N Islands who have no means to support themselves. It is for women with very low income who have lived in the islands for at least 10 years.
- Status
- Paid every month in 2026 at ₹2,500, the rate set from 1 April 2018; still listed as a UT scheme by the Directorate of Social Welfare, with applications through the CDPO offices (checked 25 October 2026).
- Who can apply
- A destitute woman with no one to support her
- Living in the A&N Islands continuously for at least 10 years (local certificate or resident identity card)
- Her income is below ₹48,000 a year; the allowance stops if her income goes above ₹4,000 a month or she stops being a resident
- Documents
- Residence, domicile or local certificate, or Islander Identity card
- Bank passbook, attested
- Monthly income certificate from the Revenue Authorities
- Affidavit stating why you are eligible
- Filled application form
- How to apply
- Get the application form from the Directorate of Social Welfare, Goalghar, Sri Vijaya Puram, or your CDPO office
- Make an affidavit stating why you are eligible and attach the other documents
- Hand the form in at the CDPO office for your area; the Directorate decides within about 45 days
- Give a life certificate every year through your Anganwadi worker so the payment continues
In person: CDPO office (Urban Dollygunj, Ferrargunj, Rangat, Diglipur, Car Nicobar) or Welfare Officer (Women), Directorate of Social Welfare, Goalghar, Sri Vijaya Puram
- Run by
- Directorate of Social Welfare, Andaman and Nicobar Administration
The official pages that could be read do not spell out who counts as destitute, so ask the CDPO or the Welfare Officer (Women) before you collect papers. If your income rises above ₹4,000 a month you must tell the Directorate within 15 days, or the money can be recovered from you.
Checked 25 October 2026 against Kalyan Darpan, Quarterly Newsletter (1st Edition), April 2025: Destitute Pension, Citizen Charter (Social Welfare section): Destitute Allowances · Official page to apply
Skills and training
SARATHINI: Free LMV Driving Training Scheme for Women
PausedAlso called Sarathini, Sarthini, Sarthini scheme Andaman, Free driving training for women Andaman
Free training to drive a car (light motor vehicle)
Free car driving training for women, so they can work as drivers or start a driving business. Women from Scheduled Tribe, BPL, Self Help Group and MGNREGA families get first preference.
- Status
- Batches ran in Swaraj Dweep and North and Middle Andaman from August to September 2025; the form is still on the Transport Department site, but no 2026 batch had been announced when checked on 25 October 2026.
- Who can apply
- Women only
- Preference for Scheduled Tribe women, BPL families, Self Help Group members, and families with 35 or more days of MGNREGA work
- Training places: Sri Vijaya Puram, Swaraj Dweep, Little Andaman, North and Middle Andaman, and Nicobar District
- Documents
- Aadhaar
- Proof of ST, BPL, SHG or MGNREGA status, if you have it
- One passport size photo
- Learner's licence, if you have one
- MGNREGA job card, if you have one
- How to apply
- Watch for a new batch notice from the Transport Department
- Fill the SARATHINI form and pick your nearest training place
- Hand it in with self-attested copies at the Directorate of Transport, Sri Vijaya Puram
In person: Directorate of Transport, Sri Vijaya Puram, or SBI RSETI, Sri Vijaya Puram
- Run by
- Transport Department, Andaman and Nicobar Administration, with SBI RSETI
No place to stay is given, so you must travel to the training centre yourself. The last news of a batch is from September 2025; call the Transport Department before you travel.
Checked 25 October 2026 against Application form for SARATHINI, Free LMV Driving Training Scheme for Women, Transport Department home page (notice dated 20 August 2025), A&N Administration Launches SARTHINI Scheme (news, status only), SARTHINI Scheme for Women's LMV Driving Training Flagged Off at Mayabunder (news, status only)
One Year Conventional Training Programme, Directorate of Industries
OpenAlso called Industries Department training Andaman, Tailoring and garment making training Andaman, Conventional training programme A&N, Vocational training Directorate of Industries
Free one-year training in a trade such as tailoring and garment making, with a monthly stipend announced with each intake
Free year-long trade training run by the Directorate of Industries at its own centres. Women can learn tailoring and garment making at Sri Vijaya Puram, Diglipur and Car Nicobar, or other trades like cane and bamboo or coir.
- Status
- Runs every year with one intake: forms for 2026 to 27 were given out from 11 May to 15 July 2026, so the next chance is the 2027 intake; checked 25 October 2026.
- Who can apply
- Passed Class 10
- Holds a Local Certificate of the A&N Islands
- Centres: Sri Vijaya Puram, Diglipur, Hut Bay (Little Andaman) and Car Nicobar
- Documents
- Class 10 certificate
- Local Certificate of the A&N Islands
- Fitness certificate from a government doctor
- How to apply
- Watch for the yearly notice, usually in May
- Collect the form from the Training Cell of the Directorate of Industries or its extension office at Diglipur, Hut Bay or Car Nicobar
- Hand it in before the last date with your documents
In person: Training Cell, Directorate of Industries, Sri Vijaya Puram, or the Industries Promotion Officer at Diglipur, Hut Bay or Car Nicobar
- Run by
- Directorate of Industries, Andaman and Nicobar Administration
The age limit and stipend amount for 2026 to 27 were seen only in news reports, so check the notice. The Directorate also runs shorter free courses, such as a 3-month tailoring course for women in 2026 and short coir and handicraft trainings for SHG women.
Checked 25 October 2026 against Industries Department Newsletter (February to April 2025): conventional training at five centres, Industries Department 4th Edition Newsletter, January 2026, The Daily Telegrams, 18 March 2026: Free 3 Months Vocational Training Programmes (status only), Applications Invited for One-Year Conventional Training Programmes for 2026 to 27 (news, status only), Industries Department Extends Application Deadline Till July 15 (news, status only) · Official page to apply
Loans and grants for a business
ANIIDCO Credit and Finance (term loans for small businesses)
OpenAlso called ANIIDCO loan, Andaman and Nicobar Islands Integrated Development Corporation loan, ANIIDCO financing
Loan for 75% of the project cost up to ₹10 lakh, and 66% of the cost above ₹10 lakh, repaid over up to 10 years
A business loan from the islands' own development corporation for setting up a unit such as a small factory, workshop, restaurant, tourism service or shop complex. It is open to any island entrepreneur, including women.
- Status
- The loan scheme is still listed on the ANIIDCO website in October 2026; no recent news of sanctions was found (checked 25 October 2026).
- Who can apply
- Someone setting up an eligible unit in the islands: manufacturing or processing, transport, hotel or restaurant, repair or packing with machines, technical or medical services, construction equipment, shopping complex, computer institute franchise, or tourism facilities
- Can put in her own share: at least 25% of the project cost up to ₹10 lakh, and 34% above ₹10 lakh
- Documents
- Prescribed application form (₹50 at the Corporation)
- Project details and the documents listed on the form
- A government employee who stands as surety for loans up to ₹2 lakh, or collateral (land, building or a bank's backing) above ₹2 lakh
- How to apply
- Buy the application form at ANIIDCO, Vikas Bhawan, for ₹50
- Fill it in with your project details and attach the documents
- Pay the processing fee of 0.25% of the loan (up to ₹1,000)
In person: Sr. Manager (Credit and Finance), ANIIDCO, Vikas Bhawan, Sri Vijaya Puram; phone 03192 237251
- Run by
- Andaman and Nicobar Islands Integrated Development Corporation Ltd (ANIIDCO), a UT government company
This is a normal loan, not a grant, and it is not only for women. The interest rates on the page (9.95% to 11.95% a year, with 1% off for paying on time) follow SIDBI rates and look old, so ask for the current rate. Loans above ₹2 lakh need collateral such as land, a building or a bank's backing.
Checked 25 October 2026 against ANIIDCO: Credit and Financing, Citizen Charter: ANIIDCO, sanction of loan · Official page to apply
Andaman and Nicobar Bed and Breakfast / Home Stay Establishment Scheme
OpenAlso called A&N Bed and Breakfast Scheme 2026, Andaman homestay registration, Home stay scheme Andaman
Official Silver or Gold home stay registration for 1 to 8 guest rooms, a listing in the Tourism directory, and property and water tax at household rates
Lets a family register spare rooms in its home as an approved home stay, so she can earn from tourists. Approved homes are listed and promoted by the Tourism Department and keep paying household rates for property and water tax.
- Status
- New guidelines were notified in the A&N Gazette on 14 October 2026, and registration is open on the National Single Window System portal (checked 25 October 2026).
- Who can apply
- Owner of a house in the A&N Islands with at least 1 and at most 8 rooms (16 beds) to let; the owner may or may not live there
- Rooms of at least 120 sq ft in towns and 100 sq ft in villages (Silver), each with an attached bathroom
- Must pass an inspection by the Classification Committee
- Documents
- Sale deed, lease deed, revenue papers or house tax receipt
- Affidavit if the house is shared, or NOC from the housing society for a flat
- Police verification or NOC
- Affidavit accepting the scheme conditions
- Photos of the house, rooms and bathrooms, and the filled checklist
- How to apply
- Read the gazette guidelines and checklist
- Apply online on the National Single Window System portal with your documents
- Keep the house ready for inspection; a decision is due within 30 days
In person: Directorate of Tourism, Sri Vijaya Puram
- Run by
- Directorate of Tourism, Andaman and Nicobar Administration
This gives approval and publicity, not money. The gazette asks for a classification fee of ₹1,000 (Silver) or ₹2,000 (Gold) by demand draft but in another place says no application fee, so confirm with the Directorate of Tourism.
Checked 25 October 2026 against A&N Extraordinary Gazette No. 277, 14 October 2026: Guidelines for A&N Bed and Breakfast / Home Stay Establishment Scheme, National Single Window System: Andaman and Nicobar Islands · Official page to apply
Fake schemes going around
These were checked and found false. A real scheme never asks you to pay to register, and never comes only as a WhatsApp link. If you lost money, call 1930 or report it at cybercrime.gov.in.
- Fake"The A&N widow pension is ₹1,500 a month, for income up to ₹1 lakh"
Wrong on both counts. It is ₹2,500 a month, and her income must be below ₹48,000 a year. Andaman and Nicobar Administration
- FakeA "Women SHG Empowerment Scheme 2026" gives a ₹10,000 seed fund and interest-free loans up to ₹1 lakh
No such UT scheme exists. Self-help groups in the islands are supported through the rural livelihood mission (ANIRLM). Andaman and Nicobar Administration
- Fake"Women ride government buses free in the islands"
There is no concession for women. Free or half fare passes are for people aged 60 or more, people with disabilities and freedom fighters. Directorate of Transport, A&N Islands
More fake schemes, checked for all of India, are on the schemes page.
Questions
How much is the widow pension in Andaman and Nicobar?
₹2,500 a month, for widows who have lived in the islands for 10 years and earn less than ₹48,000 a year.
Where do I apply for the widow or destitute women allowance?
At your CDPO office, which sends it to the Welfare Officer (Women). The decision is due within 45 days.
Is the pension going up to ₹5,000?
Not yet. It was asked for in 2025, but no order had been issued by October 2026.
Can I run a home stay in the Andaman Islands?
Yes. Rules notified on 14 October 2026 let homes with 1 to 8 rooms register on the National Single Window portal for 3 years.
Is there free training for women?
The Directorate of Industries runs free year-long trade training each year; the next intake opens in 2027. Short tailoring courses for women also run.
Do women travel free on buses in the islands?
No. Bus concessions are only for older people, people with disabilities and freedom fighters.
Is there an unemployment allowance in the islands?
We found none on an official page.
Sources
- Directorate of Social Welfare newsletter (pensions) Andaman and Nicobar Administration
- Citizen charter (Social Welfare) Andaman and Nicobar Administration
- Directorate of Industries newsletter (trade training) Andaman and Nicobar Administration
- ANIIDCO financing A&N Islands Integrated Development Corporation
- Bed and Breakfast home stay guidelines 2026 Directorate of Tourism, A&N Islands
- Helplines Andaman and Nicobar Administration
- MP Bishnu Pada Ray Urges Doubling of Social Security Allowances in A&N Islands (news, status only) Nicobar Times
- Application form for SARATHINI, Free LMV Driving Training Scheme for Women Transport Department, Andaman and Nicobar Administration
- Transport Department home page (notice dated 20 August 2025) Transport Department, Andaman and Nicobar Administration
- A&N Administration Launches SARTHINI Scheme (news, status only) Nicobar Times
- SARTHINI Scheme for Women's LMV Driving Training Flagged Off at Mayabunder (news, status only) Nicobar Times
- Industries Department 4th Edition Newsletter, January 2026 Directorate of Industries, Andaman and Nicobar Administration
- The Daily Telegrams, 18 March 2026: Free 3 Months Vocational Training Programmes (status only) Andaman and Nicobar Administration
- Applications Invited for One-Year Conventional Training Programmes for 2026 to 27 (news, status only) Nicobar Times
- Industries Department Extends Application Deadline Till July 15 (news, status only) Nicobar Times
- National Single Window System: Andaman and Nicobar Islands Government of India
What changed
- First written, after the home stay rules notified on 14 October 2026.