Government schemes for women in Bihar, from ₹10,000 to ₹10 lakh

Also called Laxmi Bai pension, Lakshmibai widow pension, vidhwa pension Bihar, widow pension Bihar, LBSSP

₹1,100 a month

A monthly pension for widows aged 18 or older from low-income families in Bihar. It covers young widows that the central widow pension (age 40 and above) leaves out.

Status

Paying ₹1,100 a month since July 2025 after the June 2025 rise from ₹400; total pension spending is up 5% in the 2026-27 budget. Checked 3 October 2026.

Who can apply

• Widow aged 18 years or more
• Yearly family income below ₹60,000

How to apply

1. Apply at the RTPS counter in your block office, or online through the state e-Suvidha portal linked from SSPMIS
2. Bring proof of age, your husband's death, income and residence, and your bank account details
3. Track your pension on sspmis.bihar.gov.in

In person: Block office RTPS counter (Block Development Officer)

Run by

Directorate of Social Security, Social Welfare Department, Government of Bihar

The ₹60,000 income line is from the official SSPMIS description; ask the block office if it has changed.

Checked 3 October 2026 against SSPMIS, Department of Social Welfare (Laxmi Bai pension description, helpline), Bihar govt hikes Social Security Pensions by ₹700 (21 Jun 2025), Bihar Budget Analysis 2026-27 · Official page to apply

Also called Swayam Sahayata Bhatta, Berojgari Bhatta Bihar, MNSSBY, Self-Help Allowance, 1000 rupaye bhatta, Bihar unemployment allowance

₹1,000 a month for up to 2 years while she looks for work

A monthly allowance for young women and men aged 20 to 25 who have passed Class 12 or graduated, have no job and are not studying further. She must also finish the Kushal Yuva computer and soft-skills course.

Status

Taking applications in 2026 on the 7 Nishchay portal; since September 2025 it also covers unemployed graduates aged 20 to 25. Checked 3 October 2026.

Who can apply

• Permanent resident of Bihar
• Age 20 to 25 years
• Passed Class 12 and not enrolled in higher studies, or (from September 2025) a graduate in Arts, Science or Commerce not studying further
• Unemployed: not self-employed and not in a government, private or NGO job
• Must complete Kushal Yuva Program training

Documents

• Class 12 or graduation pass certificate
• Bank account linked (seeded) with Aadhaar

How to apply

1. Apply online on the 7 Nishchay portal
2. Within 60 days, visit your District Registration and Counselling Centre (DRCC) on a working day, 10 am to 5 pm, with original documents
3. Make sure your bank account is linked to Aadhaar
4. Join and finish the Kushal Yuva Program course

In person: District Registration and Counselling Centre (DRCC)

Run by

Government of Bihar, 7 Nishchay (Aarthik Hal Yuvaon ko Bal), with District Registration and Counselling Centres

Checked 3 October 2026 against 7 Nishchay Yuva Upmission portal: MNSSBY, Bihar CM expands Nishchay Self-Help Allowance Scheme to graduate youths (18 Sep 2025) · Official page to apply

Also called Rojgar karyalay, Niyojanalay registration, employment exchange Bihar, NCS registration Bihar, Rojgar Mela Bihar, Niyojan Mela

Free registration as a job seeker, job fair (niyojan mela) invites and career counselling

Register once to hear about private and government job openings and district job fairs. It is free and done online with Aadhaar.

Status

Open all year; Bihar's district employment offices register job seekers on the NCS portal and run job fairs. Checked 3 October 2026.

Who can apply

• Any job seeker

Documents

• Aadhaar (for online verification)

How to apply

1. Register free on the NCS portal with Aadhaar
2. Fill in your education and skills
3. Watch for job fairs announced by your district employment office

In person: District Employment Office (Niyojanalay) in your district

Run by

District Employment Offices, Government of Bihar

Checked 3 October 2026 against Employment Exchange Registration · Official page to apply

Also called PM Internship Yojana, PMIS 9000 stipend, pminternship

₹9,000 a month (minimum, subject to attendance) plus a one-time joining grant of ₹6,000

A paid internship in a large company for young people aged 18 to 25 who are not in a full-time job. Since April 2026 final-year undergraduate and postgraduate students can also apply with a college NOC.

Status

Round 3 of the pilot is running in 2026 with companies posting internships on an ongoing basis (PIB, 22 Apr and 21 May 2026). Checked 1 Oct 2026.

Who can apply

• Indian youth aged 18 to 25 years
• Not in full-time employment
• Final-year UG and PG students may apply with a No Objection Certificate from their institution
• Applicants must meet the other existing eligibility criteria of the scheme

Documents

• Aadhaar
• Aadhaar-linked bank account
• College NOC (final-year students only)

How to apply

1. Register on the PMIS portal or app with Aadhaar
2. Fill your profile and pick internships
3. Accept an offer if selected

In person: Helpline 1800 11 6090

Run by

Ministry of Corporate Affairs

Still a pilot. The 2024 pilot rules excluded anyone whose family member earned over ₹8 lakh a year, had a government job, or who held degrees such as CA, MBA, MBBS or from IITs and IIMs; check the current rules on the portal.

Checked 1 October 2026 against MCA expands eligibility of PMIS to final-year students (22 Apr 2026), PMIS: MY Bharat awareness campaign, ₹9,000 plus ₹6,000 joining grant (21 May 2026), A Pathway to Professional Growth: PM's Internship Scheme (pilot rules, Oct 2024) · Official page to apply

Also called NCS job portal, Jobs for Women, employment exchange online, ncs.gov.in

Free job search, job fairs, career counselling and a 'Jobs for Women' section

The government's free job portal for private and government jobs, job fairs and career guidance. It has a 'Jobs for Women' link on the home page and connects to e-Shram and Skill India.

Status

Running in 2026; over 6.02 crore jobseekers and 8.17 crore vacancies as of 20 Nov 2025 (PIB, 4 Dec 2025). Checked 1 Oct 2026.

Who can apply

• Any jobseeker in India

How to apply

1. Open ncs.gov.in and sign up as a Jobseeker
2. Complete your profile and open 'Jobs for Women' or search jobs
3. e-Shram card holders can register using their UAN

In person: District Employment Exchange / Model Career Centre

Run by

Ministry of Labour and Employment (Directorate General of Employment)

NCS never charges a fee at any stage. Anyone asking for money in NCS's name is a fraud. Many listings are low-paid, so check the employer.

Checked 1 October 2026 against National Career Service home page ('Jobs for Women', 'NCS services are free of cost'), Over 6 crore jobseekers registered on NCS (4 Dec 2025) · Official page to apply

Also called eShram, e Shram card, shramik card, UAN card

Free e-Shram card with a Universal Account Number (UAN) that links you to 14 central welfare schemes, NCS jobs, Skill India and the PM-SYM pension (₹3,000 a month from age 60 if you join between 18 and 40)

A free ID card for informal workers such as domestic workers, home-based workers, farm labourers and vendors. It does not pay money by itself, but makes it easier to reach insurance, pension, housing and job schemes.

Status

Registration open and free; over 31.48 crore workers registered by 26 Jan 2026 (PIB, 2 Feb 2026). Checked 1 Oct 2026.

Who can apply

• Unorganised workers aged 16 to 59: home-based, self-employed or wage workers in the unorganised sector
• Not a member of EPFO or ESIC

Documents

• Aadhaar number
• Aadhaar-linked mobile number (or biometric at a CSC)

How to apply

1. Self-register on eshram.gov.in or the e-Shram app with Aadhaar and OTP
2. Or go to a Common Service Centre (it must not charge you)
3. Download the card and use the One-Stop-Solution page to see linked schemes

In person: Common Service Centre (CSC) or State Sewa Kendra

Run by

Ministry of Labour and Employment

The card has no cash benefit of its own; messages promising money 'on your e-Shram card' are not from the government. Registration is totally free.

Checked 1 October 2026 against e-SHRAM cards for unorganised workers (2 Feb 2026), e-Shram FAQs (age 16 to 59, free registration), Benefits under e-Shram card (PM-SYM pension) · Official page to apply

Also called KYP, Kushal Yuva, Bihar Skill Development Mission training, BSDM KYP, computer course Bihar sarkar

Training in basic computer use, communication skills and soft skills at a KYP centre near you

A short course in computers, Hindi and English communication and soft skills for young people who left formal studies after Class 10 or 12. It is required for anyone who wants the Swayam Sahayata Bhatta.

Status

Running in 2026 with applications on the 7 Nishchay portal and DRCC verification. Checked 3 October 2026.

Who can apply

• Youth aged 15 to 25 years
• At least Class 10 pass, and not continuing formal education after Class 10 or Class 12
• Completing KYP is compulsory for 20 to 25 year olds who want the Self-Help Allowance

How to apply

1. Apply online for KYP on the 7 Nishchay portal
2. Visit your DRCC within 60 days with documents for verification
3. Pick a KYP centre and attend the course

In person: District Registration and Counselling Centre (DRCC)

Run by

Bihar Skill Development Mission (BSDM), Government of Bihar

Checked 3 October 2026 against 7 Nishchay Yuva Upmission portal: Kushal Yuva Program, Kushal Yuva Program · Official page to apply

Also called Mahila Rojgar Yojana, Mahila Rozgar Yojana, MMRY, 10000 wali yojana, Jeevika Didi 10000, Mahila Rojgar Yojana dusri kist, Mahila Rojgar Yojana 2 lakh

₹10,000 first grant to start work of her choice, then more help of up to ₹2 lakh in later stages if her work is going well

Money for one woman in every family in Bihar to start her own small work, like a shop, cattle, poultry, tailoring or handicrafts. She gets ₹10,000 first, and after a check of how she used it, further help that can add up to ₹2 lakh.

Status

Paying in 2026: on 27 August 2026 the Chief Minister sent first instalments to about 4 lakh more women and ₹20,000 second instalments to about 1 lakh women (news report); about 1.56 crore women had the first ₹10,000 by the February 2026 budget. New women join through a JEEViKA self-help group; no fixed online window is confirmed. Checked 3 October 2026.

Who can apply

• One woman from each family in the state
• She uses the money to start an occupation of her choice
• Further help of up to ₹2 lakh is given after an assessment about six months after her work starts

Documents

• Bank account in her own name (money is sent by DBT)

How to apply

1. In a village: join or ask your JEEViKA self-help group (SHG) or village organisation; they fill the form for free
2. In a town: apply on the official MMRY portal mmry.brlps.in or ask the city JEEViKA office
3. Use the first ₹10,000 for your work and keep receipts and a cash book
4. For the second instalment, the SHG and loan committee check your use of the money and your business plan before it is sent

In person: JEEViKA block office (Block Project Implementation Unit) or your village organisation (VO)

Run by

Rural Development Department, Government of Bihar, through JEEViKA (Bihar Rural Livelihoods Promotion Society); Urban Development and Housing Department supports in towns

It is free. Nobody may charge money to join an SHG or fill the form; JEEViKA itself warns about this. The full ₹2 lakh is not automatic: each later stage depends on checks of how you used the earlier money. The mmry.brlps.in portal was not loading when we checked.

Checked 3 October 2026 against Bihar cabinet approves Mukhyamantri Mahila Rojgar Yojana (29 Aug 2025), PM to launch Bihar's Mukhyamantri Mahila Rojgar Yojana on September 26, PM launches Bihar's Mukhyamantri Mahila Rojgar Yojana, Bihar Budget Analysis 2026-27, JEEViKA official site (MMRY portal link), CM Samrat Choudhary to transfer ₹600 crore to 5 lakh Jeevika Didis (27 Aug 2026) · Official page to apply

Also called Mahila Udyami Yojana, MMUY Mahila, Mukhyamantri Udyami Yojana, Udyami Yojana 10 lakh, Bihar Udyami Yojana

Up to ₹10 lakh for a new unit: 50% as a grant (up to ₹5 lakh) and 50% as an interest-free loan (up to ₹5 lakh)

Help to set up a small factory, workshop or service unit from a fixed list of projects. Half the money is a grant you keep, half is a loan with no interest; women of every caste and category can apply under the women's part of the scheme.

Status

Runs in yearly windows: the 2025-26 round took applications from 25 February to 23 March 2026 and the lottery was held on 20 May 2026. The 2026-27 window had not been announced on udyami.bihar.gov.in on 3 October 2026.

Who can apply

• Permanent resident of Bihar
• Passed at least 10+2 (Intermediate), ITI, polytechnic diploma or equivalent
• Age 18 to 50 years
• Under the Mahila Udyami part, women of all categories can apply
• The unit must be set up in her own home district

Documents

• Matric (10th) certificate showing date of birth
• Intermediate or equivalent pass certificate
• Caste certificate
• Permanent residence certificate
• Disability certificate (only if needed)
• Live photo and signature
• Later: a current bank account in the unit's name

How to apply

1. Watch udyami.bihar.gov.in for the yearly application window
2. Register and fill the form online, choosing a project carefully (it cannot be changed later)
3. Selection is by computer lottery against district targets, then document scrutiny
4. Selected women attend two 6-day trainings; money comes in instalments to the unit's current account, with use certificates uploaded in between

In person: District Industries Centre (DIC) in your district

Run by

Department of Industries, Government of Bihar (run through Bihar Start-up Fund Trust)

Selection is by lottery, so many eligible women are not picked in a given year. Missing both chances at training cancels your selection.

Checked 3 October 2026 against Udyami portal home and notices, About MMUY, Mukhyamantri Udyami Yojana FAQ (PDF) · Official page to apply

Also called Jeevika, Jeevika Didi, BRLPS, Jeevika samuh, SHG Bihar, Jeevika Nidhi, Lakhpati Didi Bihar

Membership of a women's savings group that gives small loans, bank credit, training and help with farming, livestock and small business; it is also the door to the Mahila Rojgar Yojana

Rural women form small groups of neighbours who save together and borrow from the group and from banks. JEEViKA trains them and links them to livelihood work and government schemes.

Status

Active in 2026: JEEViKA issued new livelihood orders from July to September 2026 (fish ponds, poultry, and Jeevika Sudha milk kiosks in all 8,053 panchayats under the Mahila Rojgar Yojana). Checked 3 October 2026.

Who can apply

• Rural women from poor households, joining a self-help group in their village

How to apply

1. Ask the JEEViKA community worker or a Jeevika Didi in your village about the nearest group
2. Join a group and start regular small savings
3. The group can then get funds and bank loans and help you apply for the Mahila Rojgar Yojana

In person: JEEViKA block office (Block Project Implementation Unit)

Run by

Bihar Rural Livelihoods Promotion Society (BRLPS), Rural Development Department, Government of Bihar

Joining is free. Anyone asking for money to add you to a group is acting wrongly; complain to the block JEEViKA office.

Checked 3 October 2026 against JEEViKA official site and office orders, PM launches Bihar's Mukhyamantri Mahila Rojgar Yojana (nearly 11 lakh SHGs in Bihar) · Official page to apply

Also called Mudra loan, PM Mudra, Shishu Kishor Tarun loan, Tarun Plus

Business loan without collateral up to ₹20 lakh: Shishu up to ₹50,000, Kishor ₹50,000 to ₹5 lakh, Tarun ₹5 lakh to ₹10 lakh, Tarun Plus ₹10 lakh to ₹20 lakh

A loan from a bank or other lender to start or grow a small non-farm business, with no property needed as security. It is open to men and women; about 60% of Mudra loan accounts in 2024-25 belonged to women.

Status

Running in 2026: PIB reported loans disbursed to 27 March 2026 and the scheme completed 11 years on 8 April 2026. Checked 1 Oct 2026.

Who can apply

• Non-corporate, non-farm micro and small enterprises in manufacturing, trading, services and activities allied to agriculture
• Shishu loans are open to new entrepreneurs with no credit history or collateral
• Tarun Plus (₹10 lakh to ₹20 lakh) is only for borrowers who took and fully repaid a Tarun loan

How to apply

1. Go to any bank branch, small finance bank, NBFC or microfinance lender, or apply online on the JanSamarth portal
2. Ask for a loan under PMMY and choose the category that fits the amount
3. Never pay an agent or a 'processing fee' to anyone outside the lender: MUDRA Ltd does not give loans directly

In person: Any bank branch or registered NBFC / microfinance lender

Run by

Department of Financial Services, Ministry of Finance (through banks, NBFCs and MFIs; MUDRA Ltd refinances)

MUDRA Ltd itself never lends to individuals. PIB Fact Check has flagged fake 'Mudra loan approval letters' asking for fees almost every month from 2024 to September 2026. The loan must be repaid with the bank's normal interest; there is no subsidy.

Checked 1 October 2026 against 11 Years of Pradhan Mantri MUDRA Yojana (8 Apr 2026), PMMY loan limit raised to ₹20 lakh (Tarun Plus), PIB Fact Check: fake website onlinemudraindia.co.in (19 Mar 2026), Mudra FAQ · Official page to apply

Also called PMEGP loan, KVIC loan subsidy, margin money subsidy

Subsidy of 25% to 35% of the project cost on a bank loan for a new unit (women: 35% in villages, 25% in towns); project cost up to ₹50 lakh (manufacturing) or ₹20 lakh (service)

Helps a person start a new small factory or service unit outside farming. The bank gives the loan and the government pays part of the project cost as a one-time subsidy. Women count as a special category, so they get the higher subsidy and put in only 5% of their own money.

Status

Portal open and scheme active in 2026 (PIB, 12 Mar 2026). Its last Cabinet approval ran to 2025-26; a formal 2026-27 extension notice was not found. Checked 1 Oct 2026.

Who can apply

• Any individual above 18 years of age
• No income ceiling
• At least VIII standard pass for projects above ₹10 lakh in manufacturing or above ₹5 lakh in business/service
• Only one person per family (self, spouse, unmarried children)
• Existing units, and units that already took a government subsidy under another scheme, are not eligible
• Projects without capital expenditure are not eligible

Documents

• Aadhaar

How to apply

1. Apply online on the PMEGP portal (New Application)
2. Pick KVIC, KVIB or DIC as the agency and choose a bank
3. Complete the short EDP training (not needed for projects up to ₹2 lakh)
4. The bank sanctions the loan and the subsidy is routed through the bank

In person: District Industries Centre (DIC) or KVIC / KVIB office

Run by

Ministry of MSME (KVIC, State KVIBs and District Industries Centres)

It is a subsidy on a bank loan, not a grant: you must get a bank loan and put in 5% (special category) or 10% (general) yourself.

Checked 1 October 2026 against PMEGP FAQ (eligibility), Prime Minister's Employment Generation Programme (subsidy rates, women as special category), Initiatives to strengthen rural and semi-urban MSMEs (12 Mar 2026), Continuation of PMEGP 2021-22 to 2025-26 · Official page to apply

Also called Lakhpati Didi Yojana, Aajeevika, NRLM SHG loan, self help group

Through your self-help group: a Revolving Fund of about ₹20,000 to ₹30,000 per group, up to ₹2.5 lakh per group from the Community Investment Fund, bank loans with interest subvention (loans up to ₹3 lakh at 7%), a ₹5,000 Jan-Dhan overdraft, and free livelihood and enterprise training

Rural women join a self-help group (SHG) of neighbours, save together and get group funds, cheap bank loans and training to build a business or farm income. A 'Lakhpati Didi' is an SHG member whose household earns over ₹1 lakh a year.

Status

Active in 2026: over 3 crore Lakhpati Didis reached; target doubled to 6 crore by March 2029 (PIB, 13 Feb 2026). Checked 1 Oct 2026.

Who can apply

• Rural women who join a DAY-NRLM self-help group
• To be picked as a potential Lakhpati Didi: SHG member for at least two years, has used the Community Investment Fund, and runs at least two livelihood activities

How to apply

1. Ask the village SHG, Village Organisation or Community Resource Person to join a group
2. Save regularly in the group and keep records
3. Ask the block mission office about training and loans for your activity

In person: Block office of the State Rural Livelihoods Mission, or the Gram Panchayat

Run by

Ministry of Rural Development

There is no direct cash payment to become a Lakhpati Didi. Money comes as group funds and loans that must be repaid. Interest subvention rates vary by district.

Checked 1 October 2026 against How do I become a Lakhpati Didi, Financial Assistance, Doubling of target of Lakhpati Didis to 6 crore (13 Feb 2026), National Campaign on Entrepreneurship: EDP training for 50 lakh SHG members (14 Jan 2026) · Official page to apply