Government schemes for women in Jharkhand, from Maiyan Samman to free training

Also called Maiya Samman Yojana, Maiyan Samman, Mainiya Samman, MMMSY, JMMSY, Maiya Samman 2500, Maiya Samman satyapan

₹2,500 a month, paid into your Aadhaar-linked bank account

Jharkhand pays ₹2,500 every month straight into the bank account of women aged 18 to under 50 who live in the state and whose family holds a ration card. The money stops for women who did not finish the 2026 verification.

Status

Paying in 2026 at ₹2,500 a month; the September 2026 amount reached women in Ranchi on 7 October 2026 (news), but only women who finished the 2026 physical verification are paid; the official portal shows no current sign-up window, checked 9 October 2026.

Who can apply

• A woman who lives in Jharkhand
• Aged 18 years or more and under 50 years at the time of application
• Has an Aadhaar card and one Aadhaar-linked bank account (payment goes only to this account)
• Her family holds one of these ration cards: Antyodaya (yellow), Gruhastha or Purvavikta (pink), K-Oil (white), or the separate green card
• Not eligible if she, her husband or (for an unmarried woman) her father is a government, public-sector, local body or urban body employee, including contract or honorarium staff in aided institutions
• Not eligible if she or her husband is a pensioner or family pensioner, an income tax payer or an EPF holder, or if the family has a current or former MP or MLA
• Not eligible if she already gets another social security pension from the same department

Documents

• Aadhaar card
• Bank account linked to Aadhaar
• Ration card of one of the allowed colours (yellow, pink, white or green)

How to apply

1. Ask your Anganwadi centre, panchayat or Block office whether a new camp or window is open; the portal page does not list dates
2. If you are already enrolled, finish the physical verification (satyapan) and e-KYC at your Anganwadi centre if you have not done so
3. Check that your bank account is linked to Aadhaar and can receive direct transfers
4. Never pay anyone to apply or to check your name; call the toll free helpline 1800-890-0215

In person: Anganwadi centre, panchayat bhawan, Block Development Office (rural) or Zonal Officer office (urban)

Run by

Department of Women, Child Development and Social Security, Government of Jharkhand

Payments do not reach every enrolled woman. News reports say women who did not finish verification by 31 May 2026 had their payments stopped, and some districts were still paying April and May late in July. No official count of removed names was found; do not trust a website that gives an exact number. Only the amount, age, ration card and exclusion rules above come from the official portal.

Checked 9 October 2026 against Jharkhand Mukhyamantri Maiyan Samman Yojana (official portal), Jharkhand Budget Analysis 2026-27, Notice on FAQs of Maiya Samman Yojana, September 2026 amount credited to 3.94 lakh women in Ranchi (news, status only), Verification drive and removals (news, status only) · Official page to apply

Also called Sarvajan Pension, Sarv Jan Pension Yojana, Universal Pension Scheme Jharkhand, Jharkhand pension 1000

₹1,000 a month

A monthly pension for people not covered by the central pension schemes: older people, destitute women aged 18 or more, people with disability and people living with HIV/AIDS. Widows, deserted women and single women also have their own state pension, listed separately.

Status

Running in 2026 with ₹3,517 crore in the 2026-27 budget; applications go to the Block office, checked 9 October 2026.

Who can apply

• Lives in Jharkhand
• Destitute women aged 18 years or more, older people aged 60 or more, people with disability aged 5 or more, and people with HIV/AIDS (groups listed by the Seraikela district office)
• The applicant or her husband is not a permanent government employee or a retired person drawing a pension
• The family does not pay income tax
• Meant for people who are not eligible under the central NSAP schemes

Documents

• Aadhaar card
• Bank passbook
• Proof of age or residence
• Husband's death certificate, if applying as a widow

How to apply

1. Go to the Block Development Office (village areas) or the Circle Officer office (town areas)
2. Fill the pension form and attach the documents
3. Ask for a receipt with a number
4. Pension is paid into your bank account once approved

In person: Block Development Officer (rural) or Circle Officer (urban)

Run by

Department of Women, Child Development and Social Security, Government of Jharkhand

District offices do not agree on documents and exact lines, and the Seraikela page shows an application window that ended 31 December 2025. Ask your Block office for the current form. The ₹1,000 figure is on the East Singhbhum district page (updated 9 May 2026); the document list above is the usual set and is not written on the official pages we opened.

Checked 9 October 2026 against Social Security Cell (pension schemes of Jharkhand), Sarv Jan Pension Yojna, Jharkhand Budget Analysis 2026-27 · Official page to apply

Also called Widow pension Jharkhand, Vidhwa pension Jharkhand, Single women pension Jharkhand, Ekal mahila pension, Parityakta mahila pension, Nirashrit Mahila Pension

₹1,000 a month

A monthly state pension for widows aged 18 or more, deserted women aged 18 or more, and single women aged 45 or more.

Status

Listed as a running state pension on the East Singhbhum district page updated 9 May 2026; apply at the Block office, checked 9 October 2026.

Who can apply

• A woman living in Jharkhand
• Widow aged 18 years or more
• Deserted woman aged 18 years or more
• Single woman aged 45 years or more

Documents

• Aadhaar card
• Bank passbook
• Husband's death certificate, for widows

How to apply

1. Go to the Block Development Office (village) or Circle Officer office (town)
2. Ask for the Mukhyamantri Rajya Nirashrit Mahila Samman pension form
3. Attach the documents and keep the receipt
4. Pension comes to your bank account once approved

In person: Block Development Officer (rural) or Circle Officer (urban)

Run by

Department of Women, Child Development and Social Security, Government of Jharkhand

The East Singhbhum page lists the groups and ages but gives no income limit or document list, so documents here are only the usual ones. Older district pages (Chaibasa, Bokaro) still show a ₹600 state widow pension; the 2026 East Singhbhum page says ₹1,000 for all schemes. Ask the Block office what is being paid.

Checked 9 October 2026 against Social Security Cell (pension schemes of Jharkhand), Jharkhand Seva Portal (pension services) · Official page to apply

Also called Jharkhand unemployment allowance, Berojgari bhatta Jharkhand, Rozgar Protsahan Bhatta 1500 girls

₹1,500 a month for girls (₹1,000 for boys), for up to one year

If you finish a JSDMS training course and do not get a job within three months, girls get ₹1,500 a month in the bank account for up to one year. This is not a general unemployment allowance for every unemployed person.

Status

Part of Mukhyamantri Sarthi Yojana and shown on the official JSDMS page in 2026; only for people who finished the training, checked 9 October 2026.

Who can apply

• Completed training under Mukhyamantri Sarthi Yojana
• Did not get employment within three months after the training
• Girls, disabled people and transgender people get ₹1,500 a month; boys get ₹1,000 a month
• Paid for a maximum of one year through direct bank transfer

Documents

• Training completion certificate
• Aadhaar-linked bank account

How to apply

1. Finish a course at a JSDMS training centre
2. Ask the centre how to claim the allowance if no job comes within three months
3. Call the toll free number 1800-123-3444 if the centre cannot help

In person: The JSDMS training centre where you studied

Run by

Jharkhand Skill Development Mission Society (JSDMS)

Many websites say Jharkhand pays a general unemployment allowance of ₹5,000 a month to graduates. We found no official Jharkhand page for that, so it is not listed. The only official allowance for jobless people we found is this one, tied to JSDMS training. The page does not say how to claim it, so ask the centre.

Checked 9 October 2026 against Mukhymantri Sarthi Yojna (MSY) · Official page to apply

Also called Jharkhand Rozgar portal, Rojgar Karyalaya, employment exchange Jharkhand, jharkhandrojgar, Directorate of Employment and Training Jharkhand

Registration as a job seeker and notice of vacancies; no payment

Job seekers can register at the district employment exchange, which works under the Employment Exchanges (Compulsory Notification of Vacancies) Act, 1959. The state labour department says exchanges are being turned into career and counselling centres and plans a Rozgar Mela every quarter in each district.

Status

District employment exchanges are running; the old online portal address did not load when checked on 9 October 2026, so register at the district office.

Who can apply

• A job seeker who lives in Jharkhand
• Registration is at the district employment exchange office

Documents

• Aadhaar
• Education certificates
• Proof that you live in Jharkhand

How to apply

1. Visit your district employment exchange with your certificates
2. Ask them to register you as a job seeker
3. Ask when the next Rozgar Mela in your district is

In person: District Employment Exchange (Palamu office: behind Government ITI, Ranchi Road, Redma, Medininagar)

Run by

Directorate of Employment and Training, Labour, Employment, Training and Skill Development Department

The official pages we could open give no documents, fees or steps, and the old portal jharkhandrojgar.nic.in (named on the Palamu district page, last updated 31 May 2018) did not load. Registration is free at an exchange; do not pay agents. Confirm documents with your district office.

Checked 9 October 2026 against Labour, Employment, Training and Skill Development Department, 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 Mukhymantri Sarthi Yojna, MSY, JSDMS training, SJKVY, Saksham Jharkhand Kaushal Vikas Yojana, DDU-KK, Jharkhand free skill training

Free job training, plus ₹1,000 a month travel allowance if you travel from home

Free training in job skills for young people of Jharkhand aged 18 to 35, with a monthly travel allowance for those who come from home and help to find a job after the course.

Status

Running in 2026 in all 24 districts; courses and intake are listed on the JSDMS portal, checked 9 October 2026.

Who can apply

• Lives in Jharkhand (domicile)
• Aged 18 to 35 years
• Class 5 pass for SJKVY and DDU-KK; class 12 pass or in college for EXCEL
• Training is free of cost

Documents

• Aadhaar
• Proof that you live in Jharkhand
• Education certificate (class 5 or class 12 as the course needs)
• Bank account for the allowance

How to apply

1. Open the JSDMS portal and choose Candidates Registration
2. Create your profile and pick a course near you
3. Visit the training centre with your documents
4. For help call the toll free number 1800-123-3444

In person: Any JSDMS training centre or block level skill centre

Run by

Jharkhand Skill Development Mission Society (JSDMS), Labour, Employment, Training and Skill Development Department

Women get the same training as men; the pages we opened show no women-only seats. The portal says at least 75 percent of those who finish are meant to be placed in a job, but this is a target. A related allowance for trainees who stay without a job is in the separate record rojgar-protsahan-bhatta.

Checked 9 October 2026 against Mukhymantri Sarthi Yojna (MSY), FAQs for Candidates · Official page to apply

Also called BIRSA Jharkhand, Block level skill centre, Birsa training, free sewing course Jharkhand, free beautician course Jharkhand

Free block level training in sewing, tailoring, beautician and other trades, with ₹1,000 a month travel allowance

Free training centres in blocks of Jharkhand for rural youth. For women the age limit goes up from 35 to 50 years, so older women can also join.

Status

Courses are marked Active on the JSDMS portal in 2026, with centres planned in all 264 blocks; checked 9 October 2026.

Who can apply

• Lives in Jharkhand
• Aged 18 to 35 years; for ST, SC, OBC and women the limit is raised to 50 years
• Training is not residential: you travel from home and get ₹1,000 a month travel allowance by bank transfer

Documents

• Aadhaar
• Proof that you live in Jharkhand
• Education certificate if the course asks for it
• Bank account

How to apply

1. Open the BIRSA page and look at the course list for your trade
2. Register as a candidate on the JSDMS portal
3. Go to the BIRSA centre in your block with your documents
4. For help call the toll free number 1800-123-3444

In person: BIRSA centre in your block, or the JSDMS office

Run by

Jharkhand Skill Development Mission Society (JSDMS)

The BIRSA page shows 108,092 enrolled, 80,638 trained and 30,923 offered a job, so about 4 in 10 of those trained got an offer. A job is not promised by the course.

Checked 9 October 2026 against Block Level Institute for Rural Skill Acquisition (BIRSA) · Official page to apply

Also called JSLPS, Palash brand, Palash Mart, Sakhi Mandal Jharkhand, SHG Jharkhand, Jharkhand Aajeevika, Jharkhand State Livelihood Promotion Society

Group savings, bank loans through the group, livelihood help and training

Rural women join a Sakhi Mandal (self-help group). JSLPS helps the group save, take repeat bank loans and start livelihoods such as farming or small business.

Status

Running in 2026 under the State Rural Livelihood Mission; you join through a village group, not an online form, checked 9 October 2026.

Who can apply

• A woman from a poor rural household in Jharkhand
• The aim is at least one member, preferably a woman, from every identified poor rural household
• Join an existing Sakhi Mandal or help form a new one

Documents

• Aadhaar
• Bank account

How to apply

1. Ask your Anganwadi worker, Sakhi didi or Block office for the nearest Sakhi Mandal
2. Attend the group meeting and start the weekly savings
3. Ask the group about bank loans and livelihood training

In person: Block office or JSLPS block team

Run by

Jharkhand State Livelihood Promotion Society (JSLPS), Rural Development Department

The official JSLPS pages we opened give no loan amount, interest rate or number of groups, so none is given here. Do not pay anyone to get into a group; joining is free. The Palash brand appears only in news and an ADB paper, not on the JSLPS pages we opened, so it is not listed as a benefit.

Checked 9 October 2026 against JSLPS home page (State Rural Livelihood Mission), Financial Inclusion, NRLM MKSP (rural women as workforce) · 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