Government schemes for women in Chhattisgarh, from Mahtari Vandan to 3% loans

Also called Mahatari Vandan, Mahtari Vandana Yojana, Mahtari Vandan 1000, Mahtari Vandan 12000, महतारी वंदन योजना, Mahtari Vandan instalment, Mahtari Vandan new registration

₹1,000 a month (₹12,000 a year) straight into her bank account. A woman who already gets a pension of less than ₹1,000 a month gets the difference added.

Chhattisgarh pays ₹1,000 every month to married women aged 21 or more. Widows, divorced women and women deserted by their husbands can also get it. About 67 lakh women are paid each month.

Status

Paying every month in 2026: the 32nd instalment (₹632.40 crore to 67,38,217 women) was released on 8 October 2026 at Durg. The portal is closed to new applicants: the minister told the Assembly in July 2025 there was no new registration, and in August 2026 she said the Chief Minister had approved reopening (Bastar division first) but no date was announced. Checked 9 October 2026.

Who can apply

• A married woman who lives in Chhattisgarh (a widow, a divorced woman or a deserted woman also counts)
• She must be 21 years old or more on 1 January of the year she applies. The official rules set no upper age limit
• No one in her family pays income tax. The rules define family as husband, wife and their dependent children
• No one in her family is a Class 1, Class 2 or Class 3 officer or employee (permanent, temporary or on contract) of a central or state government department, undertaking, board or local body
• No one in her family is a current or former MP or MLA
• No one in her family is a current or former chairman or vice-chairman of a central or state government board, corporation or mandal
• The money goes to a bank account in her own name that is linked to her own Aadhaar and enabled for DBT; a joint account does not work
• The official rules set no family income limit and no ration card condition

Documents

• Self-attested passport size photo
• Proof of local residence (residence certificate, ration card or voter ID)
• Her own Aadhaar card and her husband's Aadhaar card
• PAN card of herself and her husband, if they have one
• Marriage certificate, or a certificate from the gram panchayat or local body
• Husband's death certificate, if she is a widow
• Certificate from the society, ward or gram panchayat, if she is deserted
• Any one of: birth certificate, class 10 or 12 marksheet, transfer certificate, PAN card, voter ID or driving licence
• Bank account details with a copy of the passbook
• Self-declaration or affidavit (attached to the form)

How to apply

1. Do not apply yet: new applications are closed. Wait for an official announcement from the Women and Child Development Department
2. When it reopens, the official rules say the form is free of cost. It can be filled by herself on the portal or app (OTP based), or at her anganwadi centre, gram panchayat, ward office or the child development project office
3. If you already applied, check your application and payment status on the portal under 'application and payment status'
4. If a payment is stuck, check that your Aadhaar is linked to your own bank account and that e-KYC is done

In person: Anganwadi centre, gram panchayat or ward office, child development project office (for status help and, when it reopens, applications)

Run by

Women and Child Development Department, Government of Chhattisgarh

Most websites you will find still say 'apply now'. They are wrong: the official portal has not taken new registrations since early 2024, apart from a one-time drive in 2025. The widely quoted age range of 23 to 60 and a ₹2.5 lakh income limit do not appear in the official rules: the rule is 21 or more, with no upper age and no income limit. Unmarried women are not covered. Families of Class 4 staff are not excluded by the rules, but families with any Class 1, 2 or 3 employee are. Beneficiaries who did not finish e-KYC or whose Aadhaar and bank do not match have had instalments held back (about 9,000 women in Mahasamund district missed the July 2026 instalment).

Checked 9 October 2026 against Mahtari Vandan Yojana portal (application and payment status, complaints, helpline), Mahtari Vandan Yojana guidelines, 2 February 2024 (Parishisht 1: sections 2, 5, 6, 7, 8), Mahtari Vandan Yojana scheme page (eligibility and pension top-up), 32nd instalment released on 8 October 2026 at Durg (press release), Budget 2026-27 key highlights (₹8,200 crore for Mahtari Vandan), No new registration under Mahtari Vandan Yojana, government informs Assembly (24 Jul 2025), Portal not reopened, minister says Chief Minister approved expansion, Bastar first (2 Aug 2026)

Also called Sukhad Sahara pension, Pleasant Support Scheme, Chhattisgarh widow pension, vidhwa pension Chhattisgarh, parityakta pension, सुखद सहारा योजना

₹350 a month

A small state pension for poor widows aged 18 to 39 and for deserted women aged 18 or more, if the family is below the poverty line. Widows aged 40 or more are covered by a different, central pension scheme.

Status

Listed as a running state scheme in 2026: the 2026-27 budget sets aside ₹135 crore for Sukhad Sahara Yojana, and Raipur reported it paid up to 30 April 2026. Applications go through your gram panchayat or urban body. Checked 9 October 2026.

Who can apply

• A widow aged 18 to 39, or a deserted woman aged 18 or more
• From a family below the poverty line (BPL)
• Applications are sent with a recommendation by the urban body or village panchayat to the urban body or janpad panchayat, which accepts or rejects them

Documents

• The district page does not list documents. Ask your gram panchayat or urban body office for the current list

How to apply

1. Go to your gram panchayat (village) or urban body office (town) and ask for the Sukhad Sahara pension form
2. Give the form and papers there; they send it with their recommendation to the janpad panchayat or urban body for approval
3. Ask for the receipt and check later whether it was accepted

In person: Gram panchayat, urban body (municipal corporation, municipality or nagar panchayat) or janpad panchayat

Run by

Social Welfare Department, Government of Chhattisgarh

₹350 a month is small. Several websites say ₹500 or ₹600; that is the central widow pension, not this scheme. In Raipur in June 2026 the central-scheme widow pension was 5 to 6 months late (state share), while state schemes such as Sukhad Sahara were reported paid up to April 2026. Women aged 40 to 79 who are BPL widows should also ask about the central Indira Gandhi National Widow Pension Scheme. The Social Welfare Department site (sw.cg.gov.in) refused connections from our checks, so the amount comes from an official district government page; confirm at your local office.

Checked 9 October 2026 against Pleasant Support Scheme (Sukhad Sahara): eligibility and Rs. 350 per month, Budget 2026-27 key highlights (₹135 crore for Sukhad Sahara Yojana, ₹450 crore for Mukhyamantri Pension Scheme), Raipur pensioners wait for central funds; state schemes paid up to 30 April 2026 (3 Jun 2026) · Official page to apply

Also called Chhattisgarh unemployment allowance, berojgari bhatta 2500, CG berojgari bhatta 2026, बेरोजगारी भत्ता योजना

₹2,500 a month, as set in 2023 (not being paid now)

A 2023 scheme to pay ₹2,500 a month to educated unemployed youth aged 18 to 35. It is not open for new applicants now and is not paying, so do not pay anyone who offers to enrol you.

Status

No allowance has been paid since November 2023 (the scheme paid only from April to November 2023). The application portal has been reported closed since the change of government, and the 2026-27 budget highlights list no allowance. The government has not formally announced it is scrapped. Checked 9 October 2026.

Who can apply

• Lives in Chhattisgarh, aged 18 to 35 on 1 April of the year of application
• Passed class 12 from a recognised board
• Registered with a district employment centre in Chhattisgarh, with the registration at least 2 years old on 1 April of that year
• No personal income and family income not more than ₹2,50,000 a year
• Only one person per family; not for families where someone is in a government or local body post above Group D, or pays income tax, or gets a pension of ₹10,000 or more a month, or is a registered professional such as a doctor, engineer, lawyer, CA or architect, or is a minister, MP, MLA, mayor or district panchayat chairperson
• A person who refuses a job or self-employment offer loses the allowance

Documents

• The official page does not list documents; the scheme asked for online application only

How to apply

1. Do not apply now: the application portal is reported closed and no payments are being made
2. Keep your employment registration (e-Rojgar) renewed, since it is a condition if the scheme restarts
3. Watch erojgar.cg.gov.in for any notice

In person: District employment and self-employment guidance centre

Run by

Department of Employment and Training (Labour), Government of Chhattisgarh

Many websites titled '2026' say ₹2,500 is being paid. That is not true: the official page itself describes only April to November 2023 payments (peak 1,35,440 young people in September 2023). In the Assembly the Deputy Chief Minister reported 778 beneficiaries in 2023-24 and none in 2024-25, and a BJP MLA said a policy was being framed. In the winter session of 2025 the opposition walked out over the issue, and the government pointed to job fairs instead.

Checked 9 October 2026 against Berojgari Bhatta Yojana (amount, eligibility, 2023 payment data), Budget 2026-27 key highlights (no unemployment allowance listed), Unemployment allowance portal closed after change of government (20 Mar 2025)

Also called Chhattisgarh Rojgar Karyalay, employment exchange registration Chhattisgarh, erojgar.cg.gov.in, e-Rozgar, rojgar panjiyan Chhattisgarh, ई-रोजगार

Free job seeker registration, renewal and job fair entry; no fee

A free state portal where a job seeker registers once, prints a registration card, renews it, and sees job fairs and vacancies. The registration card is also needed for other schemes that ask for employment exchange registration.

Status

Open all year with Aadhaar-based online registration and renewal; the portal shows 13,25,155 job seekers registered and job fairs running in October 2026, checked 9 October 2026.

Who can apply

• Any job seeker in Chhattisgarh can register
• If you were registered before on the old system, do not register again: enter your old registration number and fetch your details
• Your Aadhaar must be linked to your mobile number, or the OTP will not come

Documents

• Aadhaar number linked to your mobile number
• Mobile number
• Education certificates (for filling qualification details)

How to apply

1. Open erojgar.cg.gov.in and choose job seeker registration (Aadhaar based)
2. Enter your details and verify with the OTP on your Aadhaar-linked mobile
3. Print your registration card from your dashboard; no officer signature is needed
4. Renew the registration on the renewal page when it falls due

In person: District employment and self-employment guidance centre (for corrections to name or date of birth)

Run by

Directorate of Employment and Training, Government of Chhattisgarh

Registering gives you a card and access to job fairs; it does not give you a job or an allowance. Corrections to name or date of birth must be made at the district employment office. The portal shows 224 job fairs, 23,028 attendees and 9,240 selected candidates for the October month of 2026-27.

Checked 9 October 2026 against e-Rojgar portal (registration, renewal, job fairs, helpline 1800-233-2203), Chhattisgarh: registration in employment exchange (fully online, no fee) · 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 CSSDA, Mukhyamantri Kaushal Vikas Yojana, MKVY Chhattisgarh, Chief Minister Skill Development Scheme, CG skill training free, मुख्यमंत्री कौशल विकास योजना

Skill training in job-linked courses (NSQF courses) through approved training providers, with a certificate

The state skill authority runs short job-linked courses through approved training centres, often in schools and colleges after class hours. Youth, women and disadvantaged groups are named as priority groups.

Status

The CSSDA site shows 230 courses with 392 training providers, 8,10,262 registered and 4,96,607 trained, with a 2026 notice dated 11 May 2026; trainee registration is open on the portal. Checked 9 October 2026.

Who can apply

• The CSSDA site names youth, women and disadvantaged groups of Chhattisgarh as its priority
• The CSSDA page does not state an age limit, fee or stipend; ask the training provider before you join
• A district page describes the Chief Minister Skill Development Plan as open to every youth living in Chhattisgarh

Documents

• Aadhaar (usually asked by training providers); the CSSDA page does not publish a document list

How to apply

1. Open the CSSDA site and use the trainee registration page (हितग्राही पंजीयन)
2. Pick a course and a training provider near you
3. Ask the provider in writing about fees, duration, certificate and placement before you join

In person: District skill development authority office, or CSSDA Raipur (phone 0771-4264020)

Run by

Chhattisgarh State Skill Development Authority (CSSDA), Government of Chhattisgarh

We could not find a readable current guideline for the Mukhyamantri Kaushal Vikas Yojana (the district copy is a scanned 2019 file), so we cannot state a fee, stipend or age limit. The CSSDA site has no helpline number, only the office phone. Be careful of any centre that asks you for money in the name of this authority without a receipt.

Checked 9 October 2026 against Chhattisgarh State Skill Development Authority home page (courses, trainee registration, figures, contacts), Chief Minister Skill Development Plan, Budget 2026-27 key highlights (₹75 crore for skill development, ₹50 crore for ITI upgrades) · Official page to apply

Also called Saksham Yojana Chhattisgarh, Mahila Kosh loan, Chhattisgarh Mahila Kosh, widow loan Chhattisgarh, सक्षम योजना महिला कोष

Loan up to ₹2 lakh at 3% simple interest a year, repaid in 60 instalments starting 6 months after the loan

A low-interest loan for a woman to start or grow her own work. The first priority is BPL widows, divorced and deserted women, and unmarried women aged 35 to 45; if none are available, any needy woman aged 18 to 45 with family income below ₹2 lakh can get it.

Status

Still listed as a running scheme on the department site on 9 October 2026; there is no yearly window and no closure notice, but loans are cleared case by case through the district office and Collector.

Who can apply

• Priority: widows below the poverty line, legally divorced women, women deserted by their husbands (a certificate from the gram panchayat or a registered social organisation is accepted) and unmarried women aged 35 to 45
• If such women are not available, any needy woman aged 18 to 45 with yearly family income below ₹2 lakh
• HIV positive women, sexual assault survivors and transgender persons are also eligible
• A widow who remarried is not eligible
• Penalty interest of 2% a year is charged on a missed instalment

Documents

• The department guideline PDF lists the exact papers; ask your anganwadi worker (the guideline file is at https://cgwcd.gov.in/assets/pdf/sakhi/F-10%20Saksham%20yojna.pdf)

How to apply

1. Go to your anganwadi worker; she prepares your loan case
2. The supervisor checks it and recommends it to the project officer, who recommends it again
3. The district programme officer (who is the district manager of Mahila Kosh) sends it to the Collector for approval
4. After approval the loan amount is paid into your bank account

In person: Anganwadi centre, then District Women and Child Development office

Run by

Chhattisgarh Mahila Kosh, Women and Child Development Department

The loan must be repaid; it is not a grant. The pages show no annual quota or recent number of loans, so waiting times are unknown. There is no fee for the application.

Checked 9 October 2026 against Chhattisgarh Mahila Kosh: Saksham Yojana (eligibility, loan limit, interest, process), Chhattisgarh Mahila Kosh (about the Kosh, schemes) · Official page to apply

Also called Mahila Kosh SHG loan, SHG loan Chhattisgarh 3 percent, Mahila Kosh rin yojana, छ.ग. महिला कोष की ऋण योजना

First loan of ₹1 lakh to ₹2 lakh at 3% simple interest a year; a second loan of ₹2 lakh to ₹6 lakh after the first is repaid

A low-interest loan for a women's self-help group that has run well for at least a year. The group can take a bigger second loan after it repays the first.

Status

Listed as a running scheme on the department site on 9 October 2026 (rules amended 28 September 2021); no yearly window, cleared case by case by the district office and Collector.

Who can apply

• A women's self-help group graded 'A' by the Kosh
• The group has worked actively for at least 1 year and has 10 to 20 women members
• A live savings bank account in a nationalised bank, run by at least 2 members
• Members have a habit of repaying within the group
• The group can ask for a new loan one month after fully repaying the first one

Documents

• The group's bank account details and group records; ask your anganwadi worker for the case file list. The department guideline file is at https://cgwcd.gov.in/assets/pdf/sakhi/F-09%20Rine%20yojna.pdf

How to apply

1. The anganwadi worker prepares the group's loan case
2. The supervisor checks it and recommends it to the project officer
3. The project officer recommends it to the district programme officer (district manager of Mahila Kosh)
4. After the Collector approves, the loan goes to the group's bank account

In person: Anganwadi centre, then District Women and Child Development office

Run by

Chhattisgarh Mahila Kosh, Women and Child Development Department

Two department pages give slightly different tenures for repayment (24 equal instalments for the first loan up to ₹1 lakh on one page; instalments from 24 up to 60 on the other, longer for larger loans). Ask the district office for the sanction letter terms before signing. It is a loan and must be repaid.

Checked 9 October 2026 against Women self-help group formation and Mahila Kosh loan to SHGs (eligibility, limit, interest, recovery, process), Chhattisgarh Mahila Kosh loan scheme (loan limits, 3% interest, amendment of 28.09.2021) · Official page to apply

Also called Bihan SHG, Chhattisgarh SRLM, Lakhpati Didi Chhattisgarh, NRLM Chhattisgarh, revolving fund SHG Chhattisgarh, बिहान

For a self-help group: a revolving fund of ₹20,000 to ₹30,000 and a Community Investment Fund of up to ₹2,50,000 (national mission rates), plus bank loans and training

Rural women join a self-help group formed under Bihan. The group gets start-up money, bank loans and training, and the mission pushes members to reach a family income of ₹1 lakh a year, called a Lakhpati Didi.

Status

Running in 2026 as the state arm of the national rural livelihood mission: in January 2026 the state said 4,94,425 women had become Lakhpati Didis in two years, aiming for 10 lakh. Women join through a self-help group, not by applying alone. Checked 9 October 2026.

Who can apply

• A poor rural woman who joins or forms a self-help group under the mission
• Funds go to the group (and its federation), not to a woman as an individual
• 'Lakhpati Didi' means an SHG member whose household income is at least ₹1 lakh a year; it is a result of the mission, not a separate scheme

Documents

• Each group needs a group savings bank account; the Bihan site does not publish a document list

How to apply

1. Ask your gram panchayat or the Bihan block office about a self-help group in your village, or how to form one
2. Join the group and begin regular savings and meetings
3. The group asks the mission and the bank about the revolving fund, Community Investment Fund and bank loan once it qualifies

In person: Bihan block office or gram panchayat; State Mission office phone 0771-2512395

Run by

Chhattisgarh State Rural Livelihoods Mission (Bihan), Panchayat and Rural Development Department

The ₹20,000 to ₹30,000 and ₹2,50,000 figures are the national mission's rates from a Lok Sabha reply; the Bihan site does not publish Chhattisgarh's own amounts, so ask the block office what your group can receive. Figures for Lakhpati Didis conflict: the Deputy Chief Minister said 4,94,425 in January 2026, while a news agency report in September 2026 said 13.85 lakh women had entered the Lakhpati Didi category. We do not know why the two differ. Bihan is the state arm of a central mission, so it is shown here as a state mission, not as a new state scheme.

Checked 9 October 2026 against Chhattisgarh State Rural Livelihoods Mission (Bihan) home page, Self-Help Groups under NRLM (22 Jul 2025): Chhattisgarh 2.79 lakh SHGs, 29.78 lakh women; revolving fund and CIF rates, State aims to turn 10 lakh women into Lakhpati Didis (30 Jan 2026) · Official page to apply

Also called Chhattisgarh Startup Policy women, Chhattisgarh margin money subsidy women, Chhattisgarh Industrial Policy women entrepreneur, Startup Chhattisgarh, औद्योगिक विकास नीति 2024-30

Margin money subsidy of up to 25% of project cost (up to ₹100 lakh) for new micro and small enterprises of women entrepreneurs, plus 10% extra subsidy and a one-year longer exemption for women-led startups

For a woman who starts a new factory, service business or startup in Chhattisgarh. It is for real businesses with a project cost, not for small household income support.

Status

In force from 1 November 2024 to 31 March 2030 (the state has amended it, so check the latest text); startups apply on the state startup portal and to the state-level startup committee. Checked 9 October 2026.

Who can apply

• A woman who is a domicile of Chhattisgarh and has set up or proposed the enterprise
• For a partnership firm, company, cooperative or society, at least 51% of partners, shares or members must be women of the state
• At least 50% of the managerial, skilled and unskilled staff must be women (the woman owner herself is not counted in these groups)
• The margin money subsidy covers new micro and small enterprises, for a project cost up to ₹10 crore for goods, and up to ₹1 crore for the service-sector line
• Startups of women entrepreneurs get 10% additional subsidies and a one-year extension on exemptions

Documents

• Domicile proof
• Enterprise registration and project report
• For startups: registration on the state startup portal; the policy PDF lists the full papers

How to apply

1. Read the English policy PDF for the exact subsidy line that fits your business
2. Register your enterprise and file the incentive application with the District Trade and Industries Centre, or for startups through the startup portal
3. Startup cases are approved by the State Level Startup Promotion Committee; for help call 0771-3101500 or write to startup.cg@gov.in

In person: District Trade and Industries Centre (DIC); Directorate of Industries, Udyog Bhavan, Telibandha, Raipur

Run by

Department of Commerce and Industries, Government of Chhattisgarh

These are business incentives, mostly paid after you invest, so you need your own money or a bank loan first. Two summaries on the web give different numbers for the margin money limit and fixed capital subsidy; the figures here come from the English policy notified on 28 February 2025. The policy was amended in 2025 and January 2026, so check the latest text. The state also runs a ₹50 crore startup fund with a ₹5 lakh seed fund, ₹3 lakh operations fund and ₹3 lakh continuous operations fund (not women-only).

Checked 9 October 2026 against Industrial Development Policy 2024-30, English version (definition of women entrepreneur, margin money subsidy, startup package 4.14), Chhattisgarh state startup policy 2024-2030 and incentives (seed fund, operations fund, contact) · 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