Government schemes for women in Maharashtra, after the Ladki Bahin checks

Also called Ladki Bahin, Ladaki Bahin, Mazi Ladki Bahin, Majhi Ladki Bahin Yojana, Mukhyamantri Mazi Ladki Bahin Yojana, लाडकी बहीण

₹1,500 a month, paid straight into her Aadhaar-linked bank account

A monthly payment of ₹1,500 for women aged 21 to 65 in Maharashtra whose family earns up to ₹2.5 lakh a year. Only women already on the list who completed Aadhaar e-KYC keep getting paid.

Status

Checked 2 October 2026: paying ₹1,500 a month to verified women (the August 2026 instalment began reaching accounts in late September 2026), but new applications are not open; the state information office (DGIPR) called 'new applications reopened' posts false in September 2026.

Who can apply

• The applicant should be a female resident of Maharashtra.
• Age between 21 and 65 years.
• Bank account linked with Aadhaar.
• Annual family income should not exceed ₹2,50,000.
• Married, widowed, divorced, abandoned or destitute women, and one unmarried woman in the family.
• Outsourced, voluntary and contract workers with income up to ₹2,50,000 are eligible.
• Not eligible if: family income above ₹2,50,000; a family member pays income tax; a family member is a regular or permanent government, board, undertaking or local body employee or draws a government pension; she already gets ₹1,500 a month from another government scheme; a family member is a present or former MP or MLA; a family member is chairman, vice chairman, director or member of a government board or corporation; a four-wheeler (tractor excluded) is registered in a family member's name.

Documents

• Aadhaar
• Domicile certificate
• Ration card
• Aadhaar-linked bank account details

How to apply

1. New applications are not open as of October 2026; do not trust links on WhatsApp or Instagram that say they are.
2. If you are already a beneficiary, log in on the official portal to check your application and e-KYC status.
3. If your money stopped after e-KYC, call the 181 women helpline or ask your Anganwadi worker or ward office.

In person: Anganwadi worker, gram panchayat or ward office, or the district Women and Child Development office

Run by

Women and Child Development Department, Government of Maharashtra

About 80 to 92 lakh names were removed in 2025 to 2026, mostly for not finishing e-KYC, plus family income above ₹2.5 lakh or a government employee in the family. Payments come in batches, not on a fixed date, and sometimes two months together. The ₹2,100 a month promise is not in force: the 2026 to 2027 budget kept ₹1,500.

Checked 2 October 2026 against Mukhyamantri Mazi Ladki Bahin Yojana, Mukhyamantri - Majhi Ladki Bahin Yojana (eligibility and exclusions), Maharashtra Budget Analysis 2026-27, 81 lakh women dropped from Ladki Bahin scheme post e-KYC (14 July 2026), DGIPR calls 'new applications open' post fake (September 2026)

Also called Mahila Samman Yojana, ST bus half ticket for women, MSRTC women concession, महिला सन्मान योजना, ST 50 takke savlat

Half price (50% off) on MSRTC (ST) bus tickets

Women and girls pay half the ticket price on Maharashtra state transport (ST) buses. It does not cover city buses run by municipal transport.

Status

Checked 2 October 2026: running since 17 March 2023 and confirmed by the state information office in June 2025; news reports say an NCMC card is needed for the concession from 1 September 2026 (not confirmed on an official page).

Who can apply

• Women passengers travelling on MSRTC (ST) buses.

Documents

• Identity proof if the conductor asks

How to apply

1. No application. Ask for the women's concession ticket when you buy the ticket.
2. From September 2026, carry an MSRTC NCMC card if your depot asks for it.

In person: Any MSRTC bus depot or conductor

Run by

Maharashtra State Road Transport Corporation (MSRTC), Transport Department, Government of Maharashtra

It is a 50% discount, not free travel. It does not apply to city bus services such as BEST or PMPML.

Checked 2 October 2026 against Ashadhi yatra special buses; Mahila Sanman Yojana 50% fare concession continues (12 June 2025), Maharashtra State Road Transport Corporation, Mahila Samman Yojana effective from today, 50% discount on ST travel · Official page to apply

Also called Sanjay Gandhi Niradhar Grant Scheme, Sanjay Gandhi Yojana, Niradhar pension, widow pension Maharashtra, संजय गांधी निराधार अनुदान योजना

₹1,500 a month

A monthly pension for very poor people who have no support, including destitute widows, divorced women without alimony, unmarried women above 35, wives of prisoners and devadasis. The family must be on the BPL list or earn up to ₹21,000 a year.

Status

Checked 2 October 2026: open all year at the Tahsildar office or online; the department page lists ₹1,500 a month.

Who can apply

• Domicile or permanent resident of Maharashtra.
• Name on the Below Poverty Line (BPL) list, or annual family income up to ₹21,000.
• Destitute men and women aged 18 to 65.
• Destitute widows (including widows of farmers who died by suicide).
• Women in the divorce process, or divorced without alimony.
• Women rescued from prostitution or who faced torture; devadasis; transgender persons.
• Unmarried women above 35 years.
• Wives of prisoners serving sentences.
• Also orphans, persons with disability and people with serious illness (TB, cancer, AIDS, leprosy, sickle cell).

Documents

• Aadhaar
• Domicile or residence proof
• BPL card or income certificate
• Age proof
• Husband's death certificate (widows) or divorce papers, as relevant
• Bank account details

How to apply

1. Get the form at the Tahsildar (Sanjay Gandhi Yojana branch), Collector or Talathi office, or apply online.
2. Attach income or BPL proof and the document that shows your situation (for example husband's death certificate).
3. Submit and keep the receipt; the taluka committee approves it.

In person: Tahsildar office (Sanjay Gandhi Yojana branch), Collector office or Talathi office

Run by

Social Justice and Special Assistance Department, Government of Maharashtra (through Collector and Tahsildar Sanjay Gandhi Yojana branch)

The income limit of ₹21,000 a year is very low, so most working families do not qualify. Ladki Bahin rules exclude women who already get ₹1,500 a month from another government scheme, so you cannot take full amounts from both.

Checked 2 October 2026 against Sanjay Gandhi Niradhar Anudan Yojana, Sanjay Gandhi Niradhar Grant Scheme · Official page to apply

Also called Mahaswayam, Rojgar Mahaswayam, employment exchange registration Maharashtra, Rojgar Melava, Rojgar Mahakumbh

Free registration that lists you for job vacancies, job fairs (rojgar melava) and the CM youth training scheme

Any job seeker in Maharashtra can register free on the state employment portal to see vacancies, join district job fairs and apply for the CMYKPY paid training.

Status

Checked 2 October 2026: registration is open all year; the portal was promoting the Rojgar Mahakumbh job fair of 29 September 2026.

Who can apply

• Job seekers in Maharashtra.

Documents

• Aadhaar
• Mobile number
• Education certificates

How to apply

1. Open rojgar.mahaswayam.gov.in and choose Job Seeker registration.
2. Fill in personal, education and contact details and upload certificates.
3. Watch the portal for vacancies and district job fairs.

In person: District Skill Development, Employment and Entrepreneurship Guidance Centre

Run by

Commissionerate of Skill Development, Employment and Entrepreneurship, Government of Maharashtra

Maharashtra does not pay an unemployment allowance; registration only connects you to jobs and training.

Checked 2 October 2026 against Mahaswayam Rojgar portal · 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 CMYKPY, MYKPY, CM Youth Work Training Scheme, Yuva Karya Prashikshan, मुख्यमंत्री युवा कार्य प्रशिक्षण योजना

On-the-job training with a monthly stipend: ₹6,000 (12th pass), ₹8,000 (ITI or diploma), ₹10,000 (graduate or postgraduate)

Young people aged 18 to 35 who have passed 12th, ITI, diploma or a degree can train inside a company or government office and get a monthly stipend from the state. It is for men and women.

Status

Checked 2 October 2026: the state job portal still links CMYKPY registration and vacancy booking; training was extended from 6 to 11 months by a March 2025 cabinet decision (news); placements depend on vacancies employers post.

Who can apply

• Resident (domicile) of Maharashtra.
• Age 18 to 35 years.
• Minimum 12th pass, ITI, diploma, graduate or postgraduate.
• Aadhaar registration and an Aadhaar-linked bank account.
• Registered on rojgar.mahaswayam.gov.in.

Documents

• Aadhaar
• Domicile certificate
• Education certificates
• Aadhaar-linked bank account
• Photo

How to apply

1. Register as a job seeker on rojgar.mahaswayam.gov.in.
2. Open the CMYKPY link on the portal, log in with your Aadhaar number, and complete your profile and bank details.
3. Apply for a training vacancy posted by an employer; the stipend comes by DBT.

In person: District Skill Development, Employment and Entrepreneurship Guidance Centre

Run by

Skills, Employment, Entrepreneurship and Innovation Department, Government of Maharashtra (Commissionerate of Skill Development)

This is training, not a permanent job. Trainees protested in 2025 asking for permanent posts and higher stipends. The stipend depends on getting placed in a vacancy.

Checked 2 October 2026 against Mahaswayam Rojgar portal (CMYKPY registration link, helpline), Brief note on Mukhyamantri Yuva Karya Prashikshan Yojana (GR dated 09.07.2024), Mukhyamantri Yuva Karya Prashikshan Yojana, Training duration extends from 6 to 11 months · Official page to apply

Also called Punyashlok Ahilyadevi Holkar Women Startup Scheme, Mahila Startup Yojana Maharashtra, MSInS women startup grant, पुण्यश्लोक अहिल्यादेवी होळकर महिला स्टार्टअप योजना

Grant of ₹1 lakh to ₹25 lakh for a women-led startup

A one-time grant for registered startups that women own and run, which have been working at least a year and earn ₹10 lakh to ₹1 crore a year. It is not for a new idea or a tiny home business.

Status

Checked 2 October 2026: applications are taken in rounds on msins.in; announced 2 August 2024; I could not confirm whether a round is open right now.

Who can apply

• DPIIT-recognised startup registered in Maharashtra.
• Women hold at least 51% stake.
• Operational for at least one year (MCA registration before 31 August 2023 for the first round).
• Yearly turnover between ₹10 lakh and ₹1 crore.
• Has not taken any other financial grant from the Government of Maharashtra.

Documents

• DPIIT recognition certificate
• Company registration (MCA)
• Shareholding proof showing women's stake
• Turnover proof (audited accounts)

How to apply

1. Check msins.in for an open call under the women startup scheme.
2. Apply online free of cost with company and turnover documents.
3. Shortlisted startups pitch to a selection committee.

In person: Maharashtra State Innovation Society, Mumbai

Run by

Maharashtra State Innovation Society (MSInS), Skills, Employment, Entrepreneurship and Innovation Department

Checked 2 October 2026 against MSInS Key Initiatives flyer, Punyashlok Ahilya Devi Holkar Mahila Startup Yojana · Official page to apply

Also called MAVIM, Mahila Arthik Vikas Mahamandal, Tejaswini, Nav Tejaswini, Maharashtra women development corporation, माविम, बचत गट

Join a women's savings group (bachat gat), get bank loans through the group, training and help to start or grow a small business

MAVIM is the state's women's development corporation. Through its self-help groups women save together, get bank-linked loans, and under Nav Tejaswini get support for dairy, goat, poultry, food processing, tailoring and other small businesses.

Status

Checked 2 October 2026: MAVIM runs SHGs through 248 community resource centres; Nav Tejaswini (IFAD-supported) is active with a goal of one million women entrepreneurs.

Who can apply

• Women, mainly in rural and poor households, who join or form a MAVIM self-help group.

Documents

• Aadhaar
• Bank account
• Group membership (after joining)

How to apply

1. Contact the MAVIM district office or the nearest Community Managed Resource Centre (CMRC).
2. Join or form a self-help group of women and start regular saving.
3. After the group is graded, apply through it for a bank loan and enterprise support.

In person: MAVIM district office or Community Managed Resource Centre (CMRC)

Run by

Mahila Arthik Vikas Mahamandal (MAVIM), Women and Child Development Department

Loans come from banks through the group, not as free cash. Group saving and repayment discipline matter.

Checked 2 October 2026 against Nav Tejaswini: Enabling One Million Women to Rise Through Enterprise, Mahila Arthik Vikas Mahamandal · Official page to apply

Also called UMED, MSRLM, Umed abhiyan, Lakhpati Didi Maharashtra, bachat gat loan, उमेद, लखपती दीदी

Self-help group membership with mission funds, bank loans through the group, livelihood and skill training (RSETI), and help to reach ₹1 lakh a year income (Lakhpati Didi)

Rural women from poor households can join an UMED self-help group in their village to save, borrow through bank linkage, get trained and sell products at fairs and UMED Mart.

Status

Checked 2 October 2026: active; umed.in lists SHG bank loan proposals, BC Sakhi applications, RSETI skill training registration and Lakhpati Didi work.

Who can apply

• Women from poor rural households in Maharashtra who join a self-help group under UMED.

Documents

• Aadhaar
• Bank account
• Ration card

How to apply

1. Ask the UMED community resource person (CRP) or the block office (Panchayat Samiti) in your taluka.
2. Join or form a self-help group of 10 or more women in your village.
3. Through the group and village organisation, apply for bank loans, training and Lakhpati Didi support.

In person: Panchayat Samiti (block) UMED office or gram panchayat

Run by

Rural Development and Panchayat Raj Department, Government of Maharashtra (UMED, MSRLM)

Lakhpati Didi is a national target, not a cash payment; it means helping you earn at least ₹1 lakh a year. UMED is the state arm of the national rural livelihood mission.

Checked 2 October 2026 against Maharashtra State Rural Livelihood Mission (UMED) · Official page to apply

Also called Annasaheb Patil Mahamandal, APAMVM, Annasaheb Patil loan interest refund, vyaj partava, अण्णासाहेब पाटील आर्थिक मागास विकास महामंडळ, व्याज परतावा

The corporation pays back the interest (up to 12%, for up to 7 years, maximum ₹4.5 lakh) on a business loan of up to ₹15 lakh

For Maratha community members (and groups that have no separate corporation) who take a bank loan up to ₹15 lakh for a business: the corporation refunds the interest into her Aadhaar-linked account when EMIs are paid on time. Women's self-help groups can use the group scheme (IR-II) with no age limit.

Status

Checked 2 October 2026: open online at udyog.mahaswayam.gov.in (site updated 2 October 2026); the portal notes temporary maintenance issues.

Who can apply

• Resident of Maharashtra.
• Mainly for the Maratha category, and for categories that do not have a separate corporation.
• Age up to 60 years (no age limit for women's SHGs under IR-II).
• Family annual income up to ₹8 lakh.
• Loan approved for a business purpose by a nationalised, scheduled or cooperative bank in Maharashtra.

Documents

• Aadhaar (linked to mobile)
• Residence proof
• Income certificate or ITR (both spouses if married)
• Caste certificate or school leaving certificate
• One-page project report
• 7/12 and 8A extract or landless declaration
• Bank loan sanction letter and EMI schedule (later, for claims)

How to apply

1. Register on udyog.mahaswayam.gov.in and apply online to get an eligibility certificate (LOI).
2. Take the LOI and project report to any bank and apply for the business loan.
3. After the loan is sanctioned, upload loan details; after paying each EMI on time, file an online claim for the interest refund.

In person: Annasaheb Patil Mahamandal district coordinator office

Run by

Annasaheb Patil Arthik Magas Vikas Mahamandal Maryadit, Government of Maharashtra

You must first pay the EMI including interest yourself; the refund comes later and only if EMIs are paid on time. The bank, not the corporation, decides on the loan.

Checked 2 October 2026 against Individual Interest Reimbursement (IR-I), Frequently Asked Questions · Official page to apply

Also called Mahila Samruddhi Yojana Maharashtra, LIDCOM women loan, Sant Rohidas Charmodyog mahamandal, महिला समृद्धी योजना

Loan of ₹25,000 to ₹50,000 at 4% interest a year for a small business

Low-interest small business loans for women from the Charmakar community (Chambhar, Dhor, Holar, Mochi and similar). Widows and divorced women get priority.

Status

Checked 2 October 2026: listed as a current state scheme on myScheme; applications at the LIDCOM district office; I found no 2026 notice on intake targets.

Who can apply

• Female applicant from the Charmakar community.
• Age 18 to 50 years.
• Permanent resident of Maharashtra.
• Should know the business for which she wants the loan.
• Family income below ₹98,000 (rural) or ₹1,20,000 (urban) for the NSFDC loan.
• Widows and divorcees get priority.

Documents

• Aadhaar
• Caste certificate
• Income certificate
• Domicile certificate
• Photo
• Business plan or quotation

How to apply

1. Visit the LIDCOM district office and collect the application form.
2. Fill it, attach self-attested documents and a photo.
3. Submit and take a dated receipt.

In person: LIDCOM district office

Run by

Sant Rohidas Leather Industries and Charmakar Development Corporation (LIDCOM), Social Justice and Special Assistance Department, with NSFDC funds

Checked 2 October 2026 against Mahila Samridhi Yojana (Maharashtra) · 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