Government schemes for women in Haryana, from Lado Lakshmi to the ₹3,200 pension

Also called Lado Lakshmi Yojana, DDLLY, Lado Lakshmi scheme Haryana, Haryana 2100 rupees scheme

₹2,100 a month into her own bank account

A monthly cash payment to women aged 23 or more from low-income families who have lived in Haryana for 15 years. A woman may choose to take a smaller amount if she wishes.

Status

Paying since 1 November 2025; a second phase was reported launched on 17 September 2026, so check the Lado Lakshmi App for whether your family now qualifies (checked 10 October 2026).

Who can apply

• A woman aged 23 years or above.
• Her family's verified yearly income, as recorded in the Family Information Database Repository (the Parivar Pehchan Patra data), is not more than ₹1 lakh in the 2025 gazette notification. Media reports say the limit was raised to ₹1.80 lakh in September 2026; this was not yet on the department page on 10 October 2026.
• She, or her husband if she married into Haryana from another state, has lived in Haryana for the last 15 years or more when she applies.
• She has an active bank account in her own name.
• No limit on how many women in one family can get it.
• Not eligible if she already gets Old Age Samman Allowance, widow and destitute women pension, Divyang pension, Ladli Social Security Allowance or similar state social security pensions, or any other government financial assistance or annuity.
• Not eligible if she is an income tax payee, or if she works for the government (regular or contract) and her family income is above the limit.

Documents

• Aadhaar of herself and family members
• Residence certificate
• Income details
• Haryana Kaushal Rozgar Nigam (HKRN) ID
• Electricity connection details
• Vehicle ownership details
• Bank account details in her own name

How to apply

1. Download the Lado Lakshmi App (made by HARTRON) on Android or iPhone.
2. Fill in your personal and family details and submit; you get a Registration Id.
3. The state data department (CRID) checks your details, normally within 15 days, and sends an SMS about eligibility.
4. Choose the amount you want on the app. After the first payment, complete a face check (liveness) on the app every month so payments continue.

In person: District Social Welfare Officer (DSWO) in your district; the Additional Deputy Commissioner and Deputy Commissioner hear complaints that are not solved in 7 days

Run by

Social Justice, Empowerment, Welfare of Scheduled Castes and Backward Classes and Antyodaya (SEWA) Department, Haryana

Applications are taken only through the official mobile app, and the department warns against fake links and forms. A woman marked ineligible must send a fresh application with corrected details. Payment is put on hold if it fails two months in a row, for example because of a wrong bank account.

Checked 10 October 2026 against Regarding Notification of Deen Dayal Lado Lakshmi Yojana, 2025 (Haryana Gazette Extraordinary, 15 September 2025), Deen Dayal Lado Lakshmi Yojana (DDLLY) scheme page, Department home page: applications only through the official mobile app, Haryana Budget Analysis 2026-27, Deendayal Lado Lakshmi Yojana launched for women empowerment · Official page to apply

Also called Vidhwa pension Haryana, Widow pension Haryana, Financial Assistance to Widows and Destitute Women

₹3,200 a month

A monthly pension for widows and for destitute women (women with no husband, parents or sons to support them) who live in Haryana and have a yearly income below ₹3 lakh.

Status

Paying ₹3,200 a month from 1 November 2025 (department page updated 30 July 2026, checked 10 October 2026).

Who can apply

• A woman aged 18 years or above.
• A Haryana domicile who has lived in the state for at least one year when she applies.
• A widow, or a destitute woman: without husband, parents and son(s), or deserted by her husband (if married) or parents (if unmarried), or whose husband or parents are physically or mentally unable to support her.
• Her own income from all sources is below ₹3,00,000 a year.
• Not eligible if she works for the government or a government-funded body, or already gets a pension or family pension from one.

Documents

• Aadhaar
• Parivar Pehchan Patra (Family ID)
• Proof of Haryana residence
• Husband's death certificate for widows
• Bank account details

How to apply

1. Apply on the Haryana Antyodaya Saral portal or at a Saral / CSC centre; the district social welfare office checks the case.
2. The pension comes by direct bank transfer into your Aadhaar-linked account.

In person: District Social Welfare Officer (DSWO), or a Saral / CSC centre

Run by

Social Justice, Empowerment, Welfare of Scheduled Castes and Backward Classes and Antyodaya (SEWA) Department, Haryana

The department page does not list the documents or the steps, so the document list here is the usual set and should be checked at the DSWO office. A woman who gets this pension cannot also get Lado Lakshmi; she should compare the two (₹3,200 here against ₹2,100 there) before choosing, and the notification says Lado Lakshmi beneficiaries move to the right pension automatically when they qualify.

Checked 10 October 2026 against Pension To Widows And Destitute Women, Haryana raises social security pension by Rs 200 · Official page to apply

Also called Rakhi free bus Haryana, Haryana Roadways free travel women

Free travel on Haryana Roadways ordinary buses for about a day and a half around Raksha Bandhan; children up to 15 travelling with a woman also go free

Women travel free on ordinary Haryana Roadways buses during the Raksha Bandhan window, to any place including Delhi and Chandigarh. There is no free travel for women on other days.

Status

Not year-round: free travel ran from noon on 27 August 2026 to midnight the next day for Raksha Bandhan; it is announced each year (checked 10 October 2026).

Who can apply

• Women on Haryana Roadways ordinary buses during the announced festival window; children up to 15 years with them.

How to apply

1. Board an ordinary Haryana Roadways bus during the announced window; no application.

In person: Any Haryana Roadways bus stand

Run by

Transport Department, Haryana (Haryana Roadways)

Haryana does not give women free bus travel all year. The window is announced each year, so check the dates in August.

Checked 10 October 2026 against Haryana govt to provide free bus travel for women on Rakshabandhan (27 August 2026), Free travel for women in Haryana Roadways buses on Raksha Bandhan · Official page to apply

Also called HREX, Haryana Rozgar portal, Department of Employment Haryana, rozgar vibhag registration

Registration as a job seeker with the state employment exchange network, with a login and updates on job vacancies

A woman registers online with her personal and education details. Registration is the starting point for state job vacancies.

Status

The online registration portal was live on 10 October 2026.

Who can apply

• Job seekers who live in Haryana; the portal summary shows no age or gender rules.

Documents

• Personal details
• Educational qualification
• Address and district

How to apply

1. Open hrex.gov.in and choose the registration page for Haryana residents.
2. Fill in name, date of birth, address, district and qualification, then log in.

In person: District employment exchange office

Run by

Directorate of Employment, Haryana

This record covers registration only. The portal does not show a cash allowance for women, and the unemployment allowance rates quoted in news could not be confirmed on an official page (see the notes).

Checked 10 October 2026 against Haryana Employment Exchange portal (HREX) · 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 HKRN, HKRNL, Haryana Kaushal Rozgar Nigam Limited

Registration on the state job portal, job adverts, and short skilling courses (a 75-hour Job Ready course, an introductory AI course, foreign language training and an Entrepreneurship Development Program)

The state's job and skills portal. A woman registers, then picks from recommended courses and job adverts. The Lado Lakshmi application also asks for the HKRN ID.

Status

The portal was live with job adverts and short courses on 10 October 2026.

Who can apply

• Job seekers in Haryana; the page lists no age, income or gender rules.

Documents

• Personal details for registration

How to apply

1. Open the portal and choose Candidate Registration and Login.
2. Fill in your personal details to complete registration.
3. After login, open the courses recommended by your institute and enrol in one.

In person: General contact on the portal: 01725001144

Run by

Haryana Kaushal Rozgar Nigam, Government of Haryana (Skill Development and Industrial Training)

The portal page does not say which courses are free or whether any course pays a stipend, and it has no women-only offer. Check the fee on the course page before enrolling.

Checked 10 October 2026 against Haryana Kaushal Rozgar Nigam · Official page to apply

Also called Kalyan Kendra sewing training, free sewing machine Haryana, silai training Haryana

A stipend of ₹600 a month plus ₹300 a month for raw material during a one-year course, and a new sewing machine free of cost at the end

A one-year sewing course for Scheduled Caste and Backward Class widows, destitute women and girls, so they can earn at home.

Status

Still listed on the department site (page last updated 2 February 2023); confirm a seat at your nearest Kalyan Kendra (checked 10 October 2026).

Who can apply

• Scheduled Caste or Backward Class widow, destitute woman or girl.
• Age 14 to 45 years.
• Yearly family income limit of ₹2.50 lakh for admission.

How to apply

1. Go to the nearest Kalyan Kendra run by the department and ask about the next batch.

In person: Nearest Kalyan Kendra of the SEWA Department

Run by

Social Justice, Empowerment, Welfare of Scheduled Castes and Backward Classes and Antyodaya (SEWA) Department, Haryana

The page is dated 2023 and does not list documents or an application form, so ask the Kalyan Kendra before travelling.

Checked 10 October 2026 against Tailoring Training to SC/BC Widow/Destitute Women/Girls · Official page to apply

Also called HSRLM, DAY-NRLM Haryana, Haryana SHG scheme, Lakhpati Didi Haryana

Support for rural women's self help groups: a Revolving Fund and a Community Investment Fund, plus federations (the page gives group totals, not a per-group amount)

Rural women join or form a self help group under the mission. Groups can receive a Revolving Fund and a Community Investment Fund. The mission also runs DDU-GKY skills training and RSETI training.

Status

Running; the mission site reports 60,554 self help groups formed (checked 10 October 2026).

Who can apply

• Rural women who join a self help group; the mission page gives no age or income rules.

How to apply

1. Ask at your village or block office of the mission about joining or forming a self help group.
2. Use the Lakhpati Didi section of the mission site for the livelihood programme.

In person: Block office of the Haryana State Rural Livelihoods Mission; website contact 0172-2587590

Run by

Haryana State Rural Livelihoods Mission, Government of Haryana

The mission page lists only totals (56,678 groups got a Revolving Fund worth 7,938 lakh and 37,893 groups got a Community Investment Fund worth 46,864 lakh). It does not state the amount per group, the interest rate or any loan limit, so those are left out here.

Checked 10 October 2026 against Haryana State Rural Livelihoods Mission · 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