Government schemes for women in Goa, from Griha Aadhar to free ITI seats

Also called Griha Adhar, Gruha Aadhar, Goa homemaker support

₹1,500 a month paid into her bank account

A monthly payment to married women, including widows and divorced women, from low and middle income families in Goa who have lived in the state for 15 years.

Status

Paying in 2026 and sanction letters went to newly registered beneficiaries on 10 March 2026; the Chief Minister has announced an increase but no new amount is notified as of 12 October 2026.

Who can apply

• Married woman above 18 years; the scheme says 'married woman' includes a widow and a divorcee
• Resident of Goa for the last 15 years
• Gross income of husband and wife together not above ₹3,00,000 a year (for a widow or divorcee, her own income not above ₹3,00,000)
• Neither she nor her husband is in a regular job with the Government of Goa, the Government of India, another state government, their corporations or autonomous bodies, or a scheduled bank (contract and daily wage jobs do not count)
• Neither she nor her husband gets Dayanand Social Security Scheme benefit; exception: a widow with a minor child who gets it can get both until the child turns 18

Documents

• Aadhaar card
• Marriage certificate (if not available, the child's birth certificate naming her as mother may be considered)
• Proof of present address, for example voter ID
• 15 years residence certificate from the Mamlatdar, and her birth certificate (portal list)
• Income certificate from the Village Panchayat Secretary or Municipal Chief Officer, plus a self-declaration on income and job
• Savings bank passbook copy, preferably Aadhaar linked
• Verification report signed by a Gazetted Officer, MLA or MP (portal list)
• Widows who get Dayanand Social Security Scheme: child's birth certificate and life certificate

How to apply

1. Register on goaonline.gov.in with mobile number and email and verify with the OTP
2. Log in and go to Services, All Services, Directorate of Women and Child Development, Griha Aadhar Scheme
3. Answer the eligibility questions, fill the form and upload the documents
4. Pay the fee on the portal and note the acknowledgement number sent by SMS and email

In person: Directorate of Women and Child Development, Panaji, or the Social Welfare Officer of the Women and Child Development department; portal helpline +91-8882988000 (Monday to Friday, office hours)

Run by

Directorate of Women and Child Development, Government of Goa

The ₹1,500 rate dates from September 2016. Every year she must send a life certificate and income certificate (the March 2026 release says between 1 April and 30 May). Payments have been late before: in 2025 about 21,000 women had payment suspended because their bank account was not linked to Aadhaar, and on 10 March 2026 the Chief Minister promised credit by the 10th of every month. The Chief Minister has said the amount will go up, but no new figure is official yet, so do not trust posts that quote one.

Checked 12 October 2026 against Griha Aadhar Scheme (amended), Official Gazette Series I No. 30, 22 October 2020, Griha Aadhar and DSS assistance to be credited on 10th of every month: CM, 10 March 2026, Griha Aadhar Scheme service page, Goa CM announces increase in Griha Aadhar, DSSS assistance, 23 September 2026 (status only), More than 21,000 women miss Griha Aadhaar linking deadline, 2025 (status only) · Official page to apply

Also called DSSS, Dayanand Samajik Suraksha Yojana, Goa widow pension

₹2,500 a month for single women and widows below 60

A monthly payment for widows and other single women below 60, and also for senior citizens and people with disabilities, who have lived in Goa for 15 years and have a very low family income.

Status

Paying in 2026 (₹45.26 crore went to over 2.24 lakh Griha Aadhar and DSSS beneficiaries on 10 March 2026); the Chief Minister has announced an increase but no new rate is notified as of 12 October 2026.

Who can apply

• Single woman above 18: widow, divorcee, deserted or judicially separated woman, or unmarried woman above 50
• Bona fide resident of Goa by birth or by 15 years of domicile
• Income limit as stated on the Directorate's page: ₹24,000 a year
• Not getting help from another source, except state schemes merged into this one

Documents

• Birth certificate or other government age proof
• 15 years residence certificate
• Income certificate, or a self-declaration on ₹50 stamp paper in the prescribed format
• Verification
• Aadhaar card copy
• Death certificate of spouse (widows)
• Marriage certificate
• Self-declaration on ₹50 stamp paper (unmarried single women)

How to apply

1. Fill the prescribed form from the Directorate of Social Welfare page
2. Attach the documents
3. Submit it in person at the Directorate in Panaji or the Deputy Director's office in Margao (the page says applications are offline)

In person: Directorate of Social Welfare, Panaji, or Deputy Director's office, Margao; queries: Assistant Director Rashmi Rawool, 9322066078

Run by

Directorate of Social Welfare, Government of Goa

The ₹24,000 income limit is what the official page shows; it comes from a 2002 notification and is far below the Griha Aadhar limit, so ask the Directorate before assuming you are out. A widow with a minor child who gets this can also get Griha Aadhar under the Griha Aadhar rules. Beneficiaries must send a life certificate and income certificate between 1 April and 30 May each year. Payments have been delayed before.

Checked 12 October 2026 against Dayanand Social Security Scheme (DSSS), Griha Aadhar and DSS assistance to be credited on 10th of every month: CM, 10 March 2026, Griha Aadhar Scheme (amended), Official Gazette 22 October 2020 (rule on widows with a minor child) · Official page to apply

Also called Goa employment exchange, Model Career Centre Goa, Goa jobseeker registration

Free registration; the exchange sends your name for notified vacancies and runs job fairs and career counselling

A free job-seeker registration with the Goa employment exchange, done online through Goa Online. It pays nothing and does not promise a job.

Status

Online registration is listed as a current service on the department website, last updated 28 September 2026.

Who can apply

• Job seekers and career aspirants; the official pages do not state an age, sex or income limit

Documents

• Passport size photograph
• 15 years residence certificate from the Mamlatdar
• Educational and experience certificates where they apply

How to apply

1. Register on goaonline.gov.in with mobile number and email
2. Log in and open the Labour and Employment department services
3. Fill the form, upload documents, pay the fee if asked and note the acknowledgement number

In person: Regional Employment Exchange, Panaji or Margao; Commissioner's office, Sharma Shakti Bhavan, Patto Plaza, Panaji, 0832-2437081

Run by

Office of the Commissioner, Labour and Employment, Government of Goa

The exchange says it does not provide jobs; it sponsors registered candidates against vacancies notified to it. The Goa Online page is titled Labour and Employment Card, so confirm at the exchange that it is the job-seeker card. The residence certificate requirement comes from a guide I saw only as a search result, so confirm it before paying for a certificate.

Checked 12 October 2026 against About Employment Exchange: services, free of charge, Labour and Employment Card service page · 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 Goa ITI fee waiver for girls, Sukanya Kaushal Yojana

Full waiver of the ₹2,500 tuition fee at Government ITIs

Every woman or girl admitted to a Government Industrial Training Institute (ITI) in Goa pays no tuition fee, whatever her caste or family income.

Status

Launched 3 July 2026 for admissions from academic year 2026-27; no separate application, the waiver comes with ITI admission.

Who can apply

• Female candidates enrolling in Government ITIs in Goa from academic year 2026-27
• No caste or family income condition

Documents

• Documents asked for at ITI admission

How to apply

1. Apply for admission at your nearest Government ITI
2. The tuition fee waiver is linked to the admission, so there is no separate form

In person: Any Government ITI in Goa; Directorate of Skill Development and Entrepreneurship

Run by

Directorate of Skill Development and Entrepreneurship, Government of Goa

Only the tuition fee is waived. The online application processing fee and the refundable caution money deposit are still payable at admission. The release gives no admission deadline.

Checked 12 October 2026 against Mukhyamantri Sukanya Kaushal Vikas Protsahan Yojana-2026, press release 3 July 2026 · Official page to apply

Also called GSRLM, Goa NRLM, DRDA Goa SHG, Lakhpati Didi Goa

Help to form a self help group, training, group funds and bank loans once the group saves regularly (amounts not stated in the Goa documents I could open)

Rural women organise into self help groups, save together, and can then get group funds and bank loans for small businesses and self-employment.

Status

Running in 2026 as Goa's version of the national rural livelihood mission; there are no cut-off dates, groups are formed and funded through the DRDA offices.

Who can apply

• Rural poor families organised into self help groups
• A group that has saved regularly for about three to six months can apply for the revolving fund and community investment fund

Documents

• Group savings and meeting records
• Members' Aadhaar and bank details (ask the DRDA office for the exact list)

How to apply

1. Contact the DRDA office in your district or your village panchayat
2. Form or join a self help group and start regular savings
3. Apply for group funds and bank linkage through the DRDA

In person: DRDA North Goa or DRDA South Goa; village panchayat

Run by

District Rural Development Agency (North and South Goa), Department of Rural Development

Money goes to the group, not to one woman. I could not verify the revolving fund or community investment fund amounts for Goa from an official Goa source, so no amount is shown.

Checked 12 October 2026 against Schemes of Department of Rural Development: NRLM launched in Goa as GSRLM on 19 December 2015, GSRLM is a society under DRDA North Goa implementing NRLM · Official page to apply

Also called CMRY, EDC Goa self employment loan, Mukhyamantri Rojgar Yojana

Self-employment loan of up to ₹25 lakh, with a 75% interest rebate (6% a year of the 8% interest)

A loan for Goans to start or expand a small business. Women get a larger loan share and put in less of their own money.

Status

EDC still lists CMRY-2023 on its website; I could not find a 2026 notification, so check with EDC that these terms still apply.

Who can apply

• Age 18 to 50 (5 years extra for a widow, disabled person, SC, ST or OBC)
• Eighth class pass, relaxable in deserving cases
• No family income limit
• Resident of the area for at least 15 years; a woman married to a Goan who has lived in Goa 15 years can qualify after one year in Goa
• Not a defaulter to a bank or financial institution

Documents

• Application form (₹100) with project details
• Residence certificate or school leaving certificate
• Project report and quotations

How to apply

1. Take the application form from EDC Limited and fill it with your project details
2. Submit it with the processing fee (₹500 plus GST for loans up to ₹5 lakh)
3. Attend the compulsory entrepreneurship training of up to 3 days after sanction

In person: EDC Limited, Panaji

Run by

Economic Development Corporation (EDC) Limited with the Directorate of Industries, Trade and Commerce, Government of Goa

Women, OBC and disabled applicants: 5% own money, 45% EDC loan and 50% share capital from the Directorate of Industries, Trade and Commerce; men: 10% own money and 40% loan. Interest is 8% a year before the rebate. Guarantors are needed for loans above ₹2 lakh. It is a loan, not a grant, and the rebate is paid only if EMIs are regular and the unit is running. The ₹25 lakh limit is for ITI, degree or diploma holders; others get up to ₹20 lakh.

Checked 12 October 2026 against Chief Minister's Rojgar Yojana (CMRY-2023) scheme document · Official page to apply

Also called Goa startup stipend for women, Women Entrepreneur Vitality

Stipend of ₹20,000 a month for up to 12 months

A monthly stipend for the founder of a very young women-led technology startup in Goa, while she builds her product at a recognised Goa incubator.

Status

The government scheme page lists it with an offline form and the 2026-27 budget calls it new, but no application window is published (checked 12 October 2026).

Who can apply

• Women-led startup where the woman founder holds the majority stake
• Founder aged 30 or younger
• Company less than 12 months old on the date of application
• No income other than from the company and no similar government grant
• Incubated in a recognised Goa incubator through the support period
• Emerging technology sectors such as AI, IoT, drones, robotics, AR/VR, AVGC and 3D printing

Documents

• Aadhaar copies
• Declaration of no other income
• Project report or pitch deck
• Proof of women's majority ownership
• Incubator letter confirming current incubation

How to apply

1. Download the form from the scheme page
2. Fill it and attach the documents
3. Submit it offline to the department

In person: Department of Information Technology, Electronics and Communications, 2nd Floor IT Hub, Altinho, Panaji; dir-dit.goa@nic.in

Run by

Department of Information Technology, Electronics and Communications, Government of Goa

Very narrow: 50 beneficiaries a year, technology startups only, founder 30 or younger, inside a recognised incubator. It is not for a shop or home business.

Checked 12 October 2026 against Women Entrepreneur Vitality Scheme, Goa Budget Analysis 2026-27: four new schemes under the Goa Startup Policy 2025

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