Government schemes for women in Karnataka, checked for 2026

Also called Gruhalakshmi, Gruha Laxmi, Griha Lakshmi, Gruhalakshmi Yojane, 2000 rupees scheme

₹2,000 a month into her bank account

₹2,000 every month for the woman named as head of the family on the household ration card. Any ration card counts: Antyodaya (poorest), BPL (below poverty line) or APL (above poverty line).

Status

Paying in 2026 with a ₹28,608 crore budget for 2026-27, but instalments arrive late and the February and March 2025 instalments were admitted unpaid; checked 1 October 2026.

Who can apply

• Woman recorded as head of the family (yajamani) on an Antyodaya, BPL or APL ration card issued by the Food and Civil Supplies Department
• Only one woman per family
• Not eligible if she or her husband pays income tax
• Not eligible if she or her husband files GST returns
• Her bank account must be linked to her Aadhaar

Documents

• Ration card naming her as head of the family
• Aadhaar card
• Bank account linked to Aadhaar

How to apply

1. Apply on the Seva Sindhu guarantee schemes site, or on paper
2. Approval is based on your self-declaration; details are checked later
3. Track payments on the Gruha Lakshmi DBT tracker on Seva Sindhu
4. For help, SMS your 12-digit ration card number to 8147500500 or 8277000555, or call 1902

In person: Grama One, Karnataka One, Bangalore One or Bapuji Seva Kendra

Run by

Department of Women and Child Development, Government of Karnataka

Payments are often late. The Women and Child Development Minister admitted in the Assembly in December 2025 that February and March 2025 were not paid, and in May 2026 the High Court issued notice to the state on a petition over pending instalments. Giving false details means the money can be recovered from you.

Checked 1 October 2026 against Gruha Lakshmi scheme terms (Kannada), Govt Order WCD 70 MMA 2023 dated 6 June 2023, Guarantee schemes portal (helpline, SMS numbers, schedule), Budget Speech 2026-27, para 167, Karnataka govt admits Gruha Laxmi dues lapse; minister apologises (18 Dec 2025), Karnataka High Court issues notice to state over pending Gruhalakshmi payments (22 May 2026) · Official page to apply

Also called Shakti Yojane, Shakthi, free bus for women Karnataka, Shakti smart card, zero ticket

Free travel on ordinary, city and express government buses inside Karnataka

Women and girls who live in Karnataka, and gender minorities, ride free on non-luxury buses of the four state bus corporations within the state. She gets a zero-fare ticket from the conductor.

Status

Running in 2026 with ₹5,300 crore set aside for 2026-27 and 684 crore trips made so far; checked 1 October 2026.

Who can apply

• Women residents of Karnataka, including girls aged 6 and above, and gender minorities
• Valid on city, ordinary and express buses of KSRTC, BMTC, NWKRTC and KKRTC
• Not valid on luxury and AC services (such as Rajahamsa, Airavata), on daily or monthly passes, contract services or package tours
• Travel within Karnataka only

Documents

• Shakti Smart Card, or Aadhaar, voter ID, driving licence, passport or other government photo ID with Karnataka address

How to apply

1. No application needed to start: show a government photo ID with a Karnataka address to the conductor
2. Take the zero-fare ticket
3. Optionally apply for a Shakti Smart Card through Seva Sindhu

In person: Any KSRTC, BMTC, NWKRTC or KKRTC bus; Grama One or Karnataka One for the smart card

Run by

Transport Department (KSRTC, BMTC, NWKRTC, KKRTC)

Checked 1 October 2026 against Shakti scheme, Budget Speech 2026-27, para 478, Guarantee schemes portal · Official page to apply

Also called Yuvanidhi, Yuva Nidhi Yojane, unemployment allowance Karnataka, 3000 rupees for graduates

₹3,000 a month for graduates, ₹1,500 a month for diploma holders, for up to 2 years

A monthly allowance for young people of Karnataka who finished a degree or diploma and have not found work for 6 months. It stops when she gets a job or after 2 years.

Status

Running in 2026; ₹913 crore paid to 3,08,267 people by the 2026-27 budget, but some districts reported months of delay in mid 2026; checked 1 October 2026.

Who can apply

• Karnataka resident who studied at least 6 years in Karnataka (shown through SSLC, PUC and degree or diploma marks cards)
• Passed a degree (UG or PG) or diploma in 2023, 2024, 2025 or 2026
• Unemployed for at least 180 days after the result
• Not eligible if employed in government, aided or private jobs, if self-employed, or if continuing higher studies
• Must declare every month (by the 25th) through Aadhaar OTP that she is still unemployed

Documents

• Aadhaar card linked to mobile number
• Aadhaar-linked bank account
• SSLC marks card
• PUC marks card (for degree holders)
• Degree or diploma certificate (checked through National Academic Depository)

How to apply

1. Wait 180 days after your degree or diploma result
2. Apply on Seva Sindhu (Yuva Nidhi service)
3. Make sure your certificate is on National Academic Depository (NAD) / DigiLocker
4. Every month, declare by the 25th that you are still unemployed, using Aadhaar OTP
5. Tell the department as soon as you get a job

In person: Bapuji Seva Kendra, Karnataka One, Grama One, or the District Employment Exchange

Run by

Skill Development, Entrepreneurship and Livelihood Department (Department of Industrial Training and Employment)

If you miss the monthly self-declaration, that month is not paid. Hiding a job is penalised and money can be recovered. Payments were reported 4 months late in Tumakuru in June 2026.

Checked 1 October 2026 against Yuvanidhi Scheme, Yuvanidhi Guidelines (Kannada), Guarantee schemes portal, Budget Speech 2026-27, para 254, Tumakuru: Yuva Nidhi payments delayed for four months (5 June 2026) · Official page to apply

Also called employment exchange Karnataka, udyoga vinimaya kendra, Skill Connect, job seeker registration

Free registration number for job notices, job fairs, career guidance and some government recruitments

Register as a job seeker so the district employment exchange can tell you about jobs and job fairs. It is free and must be renewed every 3 years.

Status

Registration open in 2026 online and at district employment exchanges; checked 1 October 2026.

Who can apply

• Unemployed job seekers (district pages list ages 18 to 35)
• Re-registration and renewal every 3 years

Documents

• Marks cards and certificates of education
• Caste certificate if from a reserved category
• Aadhaar card
• Passport size photo

How to apply

1. Open the Kaushalkar / Skill Connect portal and create an account with mobile number and email (OTP)
2. Fill in education and job preferences
3. Note your registration number
4. Renew every 3 years, online or at the District Employment Exchange

In person: District Employment Exchange (address on itiemp.karnataka.gov.in Employment Wing page)

Run by

Department of Industrial Training and Employment, Skill Development, Entrepreneurship and Livelihood Department

Registering does not mean you will be offered a job. Most state government jobs are filled through KPSC, KEA and department exams, which need a separate application.

Checked 1 October 2026 against District Employment Exchange, Ballari, Employment Exchange Registration, Employment Exchange Registration, Employment Wing · 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 KSWDC training, mahila tarabeti

Free skill training in trades such as tailoring, data entry, retail, dairy, DTP, office assistant and computer hardware

Skill training for poor, destitute and financially weak women so they can earn, run under the Kaushalya Karnataka guidelines.

Status

Listed as running in 2026; batches and dates are set by district offices; checked 1 October 2026.

Who can apply

• Economically backward, destitute or helpless women

How to apply

1. Contact the Deputy Director, Women and Child Development, or the KSWDC Development Inspector in your district

In person: District Women and Child Development office

Run by

Karnataka State Women's Development Corporation (KSWDC)

Checked 1 October 2026 against Women Training Programme, Details of schemes implemented by KSWDC (2026) · Official page to apply

Also called Kaushalya Karnataka, CMKKY, Kaushalkar, free skill training Karnataka

Free skill training with certificate and placement help

Free short courses in job roles like apparel, retail, healthcare, IT, banking and beauty for young people, with women named as a target group.

Status

CMKKY 2.0 launched and named in the 2026-27 budget; registration open on Kaushalkar; checked 1 October 2026.

Who can apply

• Age 18 to 35
• Karnataka resident (checked through Aadhaar)
• Must register on the Kaushalkar portal

Documents

• Aadhaar card

How to apply

1. Register as a candidate on Kaushalkar
2. Choose a course and training centre
3. Finish training and the assessment to get the certificate

In person: District Skill Development Office or an accredited CMKKY training centre

Run by

Skill Development, Entrepreneurship and Livelihood Department / Karnataka Skill Development Corporation

Checked 1 October 2026 against Chief Minister Kaushalya Karnataka Yojana, District Skill Development Office, Budget Speech 2026-27, para 255 · Official page to apply

Also called ITI free for girls Karnataka, women ITI fee waiver

₹1,200 a year tuition fee waived for women in ITIs

Women who join an ITI course will not pay the yearly tuition fee of ₹1,200, to get more women into technical trades.

Status

Announced in the 2026-27 budget speech (March 2026); no order or rollout notice found yet; checked 1 October 2026.

Who can apply

• Women trainees in ITIs

How to apply

1. Apply for ITI admission in the usual way
2. Ask the ITI about the fee waiver

In person: Government ITI

Run by

Department of Industrial Training and Employment

Checked 1 October 2026 against Budget Speech 2026-27, para 260

Also called Udyogini loan, KSWDC Udyogini, women business loan Karnataka, 3 lakh loan for women

Bank loan of ₹1 lakh to ₹3 lakh for a business, with a subsidy of 30% (up to ₹90,000) or 50% for SC/ST women (up to ₹1.5 lakh), plus EDP training

A bank loan with a government subsidy for a woman starting a small shop, service or other income activity. The corporation pays the subsidy and short business training to the bank.

Status

Listed as running on KSWDC's 2026 scheme document; applications are taken only during the window KSWDC announces each year, and no 2026-27 window date was found; checked 1 October 2026.

Who can apply

• Permanent resident of Karnataka
• Age 18 to 55
• General and special category women: yearly family income below ₹1.5 lakh; subsidy 30% or up to ₹90,000
• SC and ST women: yearly family income up to ₹2 lakh; subsidy 50% or up to ₹1.5 lakh
• Project cost ₹1 lakh to ₹3 lakh
• Selected by a committee headed by the local MLA, then the bank sanctions the loan

Documents

• Aadhaar card
• Residence certificate, voter ID or ration card
• Project report for the business
• Income and caste certificate from the Tahsildar
• Bank account linked to Aadhaar

How to apply

1. Watch for the application window announced by KSWDC
2. Prepare a simple project report for your business
3. Apply at a Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One centre
4. Attend selection by the constituency committee
5. After the bank sanctions the loan, KSWDC sends the subsidy to the bank

In person: Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One; KSWDC district Development Inspector

Run by

Karnataka State Women's Development Corporation (KSWDC), Department of Women and Child Development

The income limit for general category women is low (₹1.5 lakh a year). Applications are only accepted during the window KSWDC opens, and the bank still has to agree to lend.

Checked 1 October 2026 against Udyogini, Details of schemes implemented by KSWDC (2026) · Official page to apply

Also called Chethana, KSWDC Chetana

₹30,000 grant to start an income activity (Budget 2026-27 announced a rise to ₹45,000)

A one-time grant for women in sex work who want to leave it and earn through their own small business.

Status

Listed as running in 2026; the 2026-27 budget said the grant will rise from ₹30,000 to ₹45,000; checked 1 October 2026.

Who can apply

• Age 18 and above
• Permanent resident of Karnataka
• Must have a certificate or identity card from a government-registered NGO working on rehabilitation of sex workers in the district
• Selected by a district committee headed by the Deputy Commissioner

Documents

• Aadhaar card
• Residence certificate, voter ID or ration card
• Project report for the income activity
• NGO certificate or identity card
• Bank account linked to Aadhaar

How to apply

1. Get a certificate from a registered NGO in your district
2. Apply during the KSWDC application window
3. Attend district committee selection

In person: Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One; KSWDC district office

Run by

Karnataka State Women's Development Corporation (KSWDC)

Checked 1 October 2026 against Chethana, Details of schemes implemented by KSWDC (2026), Budget Speech 2026-27, para 171 · Official page to apply

Also called Dhanashri, KSWDC Dhanashree, HIV women grant

₹30,000 grant to start an income activity (Budget 2026-27 announced a rise to ₹45,000)

A one-time grant for women living with or affected by HIV to start a small business.

Status

Listed as running in 2026; the 2026-27 budget said the grant will rise from ₹30,000 to ₹45,000; checked 1 October 2026.

Who can apply

• Women aged 18 to 60
• HIV infected or affected
• Permanent resident of Karnataka
• Selected by a district committee headed by the Deputy Commissioner

Documents

• Aadhaar card
• Residence certificate, voter ID or ration card
• Project report for the income activity
• Medical certificate from ICTC or ART centre, or ART card
• Bank account linked to Aadhaar

How to apply

1. Apply during the KSWDC application window
2. Attend district committee selection

In person: Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One; KSWDC district office

Run by

Karnataka State Women's Development Corporation (KSWDC)

Checked 1 October 2026 against Dhanashree, Details of schemes implemented by KSWDC (2026), Budget Speech 2026-27, para 171 · Official page to apply

Also called Devadasi rehabilitation, Devadasi punarvasati

₹30,000 grant for an income activity (Budget 2026-27 announced a rise to ₹45,000)

A one-time grant for former Devadasi women above 45 to start earning. Only in 15 northern and central districts.

Status

Listed as running in 2026 in 15 districts; the 2026-27 budget said the grant will rise from ₹30,000 to ₹45,000; checked 1 October 2026.

Who can apply

• Former Devadasi women above 45 years of age
• Only in Belagavi, Bagalkote, Vijayapura, Haveri, Dharwad, Gadag, Chitradurga, Shivamogga, Davanagere, Koppal, Raichur, Ballari, Vijayanagara, Kalaburagi and Yadagiri
• Selected by a district committee headed by the Deputy Commissioner

Documents

• Aadhaar card
• Bank account linked to Aadhaar

How to apply

1. Apply during the KSWDC application window
2. Attend district committee selection

In person: Bapuji Seva Kendra, Grama One, Bangalore One or Karnataka One; Deputy Director, Women and Child Development, in your district

Run by

Karnataka State Women's Development Corporation (KSWDC)

The separate ₹2,000 monthly pension for former Devadasis moved to the Department of Social Security and Pensions from 2022-23.

Checked 1 October 2026 against Details of schemes implemented by KSWDC (2026), Budget Speech 2026-27, para 171 · Official page to apply

Also called Gelathi, acid attack victim loan Karnataka

Up to ₹5 lakh: ₹2.5 lakh interest-free loan plus ₹2.5 lakh subsidy, and housing help

Interest-free loan and subsidy for acid attack survivors to start their own work, with housing through Rajiv Gandhi Housing Corporation.

Status

Listed as running on the KSWDC website in 2026; checked 1 October 2026.

Who can apply

• Acid attack survivor
• Age 18 and above
• Permanent resident of Karnataka

Documents

• Aadhaar card
• UDID card, FIR, pension certificate or medical certificate showing the acid attack
• Voter ID, ration card or residence certificate
• Project report
• Loan agreement on stamp paper
• Training certificates if any
• Bank account linked to Aadhaar

How to apply

1. Contact the KSWDC district office
2. Submit the project report and documents

In person: KSWDC district Development Inspector or Deputy Director, Women and Child Development

Run by

Karnataka State Women's Development Corporation (KSWDC)

Checked 1 October 2026 against Gelathi Scheme · Official page to apply

Also called KSFC women loan, KSWDC interest subsidy

Interest subsidy of 10% for 5 years on KSFC loans of ₹5 lakh to ₹5 crore

For women setting up medium or large industries with a KSFC loan; part of the interest is paid by the state for 5 years.

Status

Listed on the KSWDC website in 2026; checked 1 October 2026.

Who can apply

• Women taking up medium and large scale industries with a KSFC loan of ₹5 lakh to ₹5 crore

How to apply

1. Apply for the loan at a KSFC branch office
2. Ask about the KSWDC interest subsidy

In person: KSFC branch office

Run by

Karnataka State Women's Development Corporation with Karnataka State Financial Corporation (KSFC)

Checked 1 October 2026 against Interest Subsidy (through K.S.F.C) · Official page to apply

Also called Gruhalakshmi online store, women products online Karnataka

Free online shop listing to sell her products inside and outside Karnataka

A government online marketplace where women entrepreneurs can list and sell what they make. It is a selling platform, not cash.

Status

Registration open on the government portal in 2026; checked 1 October 2026.

Who can apply

• Women entrepreneurs with products to sell

How to apply

1. Register on the portal
2. List your products

In person: District Deputy Director, Women and Child Development, or KSWDC Development Inspector

Run by

Karnataka State Women's Development Corporation (KSWDC)

Checked 1 October 2026 against Details of schemes implemented by KSWDC (2026) · Official page to apply

Also called Sanjeevini, KSRLPS, NRLM Karnataka, self help group loan, stree shakti sangha

Group savings, revolving fund, bank loans for women's self-help groups with interest subvention, and livelihood training

Rural women join a self-help group of about 10 women, save together, and then get group funds and bank loans at reduced interest to run small businesses.

Status

Running in 2026; the 2026-27 budget adds care-work entrepreneurship training for women SHGs; checked 1 October 2026.

Who can apply

• Rural women from poor households who join a self-help group under Sanjeevini
• For bank loans the group usually needs to be active for at least 6 months and follow its saving and repayment rules

Documents

• Aadhaar card
• Bank account

How to apply

1. Ask the Gram Panchayat or taluk Sanjeevini office about SHGs in your village
2. Join or form a group
3. Save regularly and keep records
4. The group applies for revolving fund and bank loans

In person: Gram Panchayat or Taluk Panchayat Sanjeevini (NRLM) office

Run by

Karnataka State Rural Livelihood Promotion Society (KSRLPS), Skill Development, Entrepreneurship and Livelihood Department

Money comes to the group, not to one woman directly. Exact revolving fund and loan amounts follow national DAY-NRLM rules that have changed over time.

Checked 1 October 2026 against KSRLPS (Sanjeevini), Skill Development, Entrepreneurship and Livelihood Department schemes, Budget Speech 2026-27, para 266, DAY-NRLM master circular · Official page to apply

Also called micro credit SHG Karnataka, Samruddhi micro credit

A second round of loan and subsidy for women SHGs that repaid their first micro credit loan fully and on time

Women's self-help groups from SC, ST, backward class and minority communities that repaid on time can get another loan with subsidy.

Status

Announced in the 2026-27 budget speech (March 2026); no rollout order found; checked 1 October 2026.

Who can apply

• Women SHGs that fully and promptly repaid an earlier Micro Credit loan from these corporations

How to apply

1. Ask the district office of the corporation that gave your first loan

In person: District office of the relevant development corporation

Run by

Corporations under Social Welfare, Scheduled Tribes, Backward Classes and Minorities Welfare departments

Checked 1 October 2026 against Budget Speech 2026-27, para 192 (also para 228 on Minority Women Co-operative Societies)

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