Government schemes for women in Odisha, from Subhadra to SHG loans

Also called Subhadra scheme, Subhadra Yojana Odisha, Subhadra instalment, Subhadra 10000, Subhadra 50000

₹10,000 a year, paid as ₹5,000 on Rakhi Purnima and ₹5,000 on Women's Day (8 March), up to ₹50,000 over 5 years

Odisha pays ₹10,000 a year straight into the bank account of women aged 21 to 59 from families that do not pay income tax and earn ₹2.5 lakh a year or less. Married and unmarried women can both get it, and families with or without a food ration card (NFSA or SFSS card) can apply.

Status

Paying in 2026: the 5th instalment of ₹5,000 reached over 1.03 crore women on 28 August 2026; new applications are taken in announced windows (the 2026 window ran 1 to 30 April 2026), checked 7 October 2026.

Who can apply

• A woman who lives in Odisha
• For 2026-27: 21 years or older and under 60 on 1 April 2026, by the date of birth on Aadhaar
• Family income is not more than ₹2.5 lakh a year
• She and her family members do not pay income tax
• She and her family members are not employed in a government office, PSU or board, and do not receive a government pension
• She and her family members are not a current or former MP or MLA, and not an elected member of a panchayat or municipality
• Her family does not own a four-wheeler, or more than 5 acres of irrigated land or 10 acres of non-irrigated land
• She does not already get ₹1,500 a month (₹18,000 a year) or more from any government scheme, such as a pension or scholarship
• Married and unmarried women are both eligible; a family with an NFSA or SFSS ration card can apply, and a family without one is checked by a field enquiry team

Documents

• Aadhaar number
• Mobile number linked to Aadhaar
• Bank account in her name only, linked to Aadhaar and enabled for DBT
• e-KYC (face authentication on the SUBHADRA app, or fingerprint at an Ama Seba Kendra or Common Service Centre)

How to apply

1. Wait for an announced application window (the 2026 window was 1 to 30 April 2026)
2. Take the free printed form from an Anganwadi centre or CDPO office, or apply on the SUBHADRA portal
3. Submit the form free of cost at the nearest Ama Seba Kendra or Common Service Centre
4. Make sure your bank account is in your name only, Aadhaar-linked and DBT-enabled, and finish e-KYC
5. Check your application and payment status on the SUBHADRA portal or call 14678

In person: Anganwadi centre or CDPO office (form), Ama Seba Kendra or Common Service Centre (submission)

Run by

Department of Women and Child Development and Mission Shakti, Government of Odisha

The form and registration are free; nobody may charge you. Women who already applied do not need to apply again. If you were eligible earlier but did not apply, you get only the instalments of the year you apply in, not old ones. Odisha re-checked beneficiaries in 2025 to remove ineligible names, so make sure your details are true.

Checked 7 October 2026 against SUBHADRA portal, eligibility declarations and FAQs (questions 6, 13, 17, 46, 66, 73 to 75), Launch of the Fifth Instalment of Subhadra on Raksha Purnima (28 Aug 2026), Budget Speech 2026-27, women section, Subhadra Yojana registration for new applicants from April 1 (28 Mar 2026) · Official page to apply

Also called MBPY, Madhubabu pension, widow pension Odisha, bidhaba bhatta, destitute women pension Odisha

₹1,000 a month; ₹3,500 a month once she is 80 or older

A monthly state pension for widows of any age, and for unmarried, divorced, deserted or destitute women aged 30 or more, from poor families in Odisha. It is paid every month into her account.

Status

Paying monthly in 2026; applications are taken all year online and at the block or municipality office, checked 7 October 2026.

Who can apply

• A widow (any age), or an unmarried, destitute, divorced or deserted woman aged 30 or more
• BPL family, or yearly family income not more than ₹60,000 as certified by the Tahasildar or Revenue Inspector
• Living in Odisha (the rules ask for 20 years of residence)
• Not already getting another pension from the central or state government
• Women aged 60 to 79 get ₹1,000 a month; 80 or older get ₹3,500 a month

Documents

• Aadhaar
• Income certificate or BPL proof
• Husband's death certificate (for widows)
• Bank passbook copy
• Proof of age and residence

How to apply

1. Apply online on the SSEPD social welfare portal, or take the free form from the Block office or municipality
2. Attach the income certificate, bank passbook copy and other proofs
3. Submit to the Block Development Officer (village) or the Executive Officer of the municipality (town) and keep the receipt
4. After a field check the Sub-Collector sanctions the pension

In person: Block Development Officer's office (rural) or municipality / NAC office (urban); District Social Security Office

Run by

Social Security and Empowerment of Persons with Disabilities Department (SSEPD), Government of Odisha

Older official rules say family income up to ₹24,000 a year, while a current district page (Gajapati, updated October 2026) says ₹60,000; ask at the block office which limit they use. The ₹3,500 rate is only for people aged 80 or more. Sanction depends on free slots in your panchayat, so there can be a wait.

Checked 7 October 2026 against District Social Security Office: MBPY amounts and income limit, SSEPD schemes and MBPY page, Madhu Babu Pension Yojana eligibility (widow irrespective of age), Odisha enhances old-age pension to Rs 3,500 per month (May 2025) · Official page to apply

Also called Odisha employment exchange, e-Nijukti, empmission Odisha, job fair Odisha, niyojan karyalaya

Free job-seeker registration, career guidance, your name sent for notified vacancies, and yearly job fairs with private companies

Any job seeker in Odisha can register free with the employment exchange. The exchange gives career guidance, sends names of suitable candidates to employers for notified vacancies, and runs job fairs where private companies pick candidates.

Status

Registration is open all year online and at district employment exchanges, checked 7 October 2026.

Who can apply

• Unemployed job seekers of any qualification
• Register at your district employment exchange or online

Documents

• Aadhaar
• Educational certificates
• Proof of address
• Caste or disability certificate, if any

How to apply

1. Open the Directorate of Employment portal and register as a job seeker
2. Fill in your education and skills and upload certificates
3. Note your registration number and renew it when asked
4. Watch the district employment exchange for job fair dates

In person: District Employment Exchange in your district headquarters

Run by

Directorate of Employment, Skill Development and Technical Education Department, Government of Odisha

Registering does not mean you will be offered a job, and Odisha pays no unemployment allowance. Job fairs are the most useful part; ask your district exchange for dates.

Checked 7 October 2026 against Directorate of Employment, Govt of Odisha portal, 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 Skilled in Odisha, OSDA, DSDE Odisha, skill training Odisha, Kaushal Odisha

Job-linked training in about 170 courses across 21 sectors, including healthcare, retail, IT, apparel, tourism and home care

The Odisha government trains young people for jobs through ITIs, polytechnics and skill development centres. Courses cover nursing aide, retail, IT, sewing and garments, hospitality and more.

Status

Courses run in 2026 through Government ITIs, polytechnics and skill development centres, checked 7 October 2026.

Who can apply

• Young people in Odisha looking for job training
• Each course has its own age and education rules

Documents

• Aadhaar
• Educational certificates
• Passport photo
• Bank account details

How to apply

1. Open the Skilled in Odisha site and click I Want to Learn
2. Pick a sector and a course near you
3. Register and follow the centre's admission steps

In person: Nearest Government ITI, polytechnic or skill development centre; District Employment Exchange

Run by

Directorate of Skill Development cum Employment and Odisha Skill Development Authority, Skill Development and Technical Education Department

Fees, stipends and placement differ by course; ask the centre in writing before you join.

Checked 7 October 2026 against Youth Skills Training, Odisha Skill Development Authority · Official page to apply

Also called Mission Shakti interest free loan, State Interest Subvention Scheme, SHG loan Odisha 10 lakh, Mission Shakti rin

Bank loan up to ₹10 lakh for a women's self-help group at 0% interest, when the group repays on time

A women's self-help group (SHG) in Odisha can take a bank loan of up to ₹10 lakh and the state pays the interest, as long as the group repays on time. It is for SHGs in villages and towns.

Status

Running in 2026: on 24 June 2026 the state released ₹147.76 crore of interest refunds to 2.88 lakh SHGs, checked 7 October 2026.

Who can apply

• Women self-help groups in rural and urban Odisha, whoever promoted the group
• The group repays its bank loan promptly and regularly
• Loan from a scheduled commercial bank, regional rural bank or cooperative bank on core banking

Documents

• SHG savings account with a bank
• SHG records and members' details as the bank asks

How to apply

1. Join or form a women's SHG through the Mission Shakti or Odisha Livelihoods Mission worker in your block
2. Open an SHG bank account and keep regular savings and records
3. Ask your bank branch for an SHG bank linkage loan
4. Repay every instalment on time; the state then pays back the interest

In person: Block Mission Shakti office or your bank branch; Mission Shakti call centre 155276

Run by

Department of Mission Shakti, Government of Odisha

The loan is to the group, not to one woman. If repayments are late, the group loses the interest-free benefit. The department's own scheme page still shows the old ₹3 lakh limit; the ₹10 lakh limit is in its 2024-25 activity report.

Checked 7 October 2026 against Annual Activity Report 2024-25 (State Interest Subvention, interest-free loans up to Rs 10 lakh), Mission Shakti Loan, State Interest Subvention, Gazette 1127: Guidelines for Mission Shakti Loan (2019), Press note: Rs 147.76 crore interest subvention released to 2.88 lakh SHGs (24 Jun 2026) · Official page to apply

Also called Startup Odisha monthly allowance, women startup Odisha 22000, Odisha Startup Policy

₹22,000 a month for one year (₹2,000 more than others), plus product development and marketing help up to ₹16 lakh

If a woman founder or co-founder holds at least half of a startup recognised by Startup Odisha, the startup can get a monthly allowance of ₹22,000 for a year and up to ₹16 lakh for product and marketing.

Status

Incentives are listed on the Startup Odisha portal in 2026 and applications are taken online, checked 7 October 2026.

Who can apply

• A startup recognised by Startup Odisha
• Women founders or co-founders hold at least 50% of the equity
• The startup meets one of the portal's conditions for the allowance, such as early funding or a set monthly revenue

Documents

• Startup Odisha recognition certificate
• Company or LLP registration
• Founders' Aadhaar and PAN
• Shareholding proof

How to apply

1. Register your startup on the Startup Odisha portal
2. Apply for recognition
3. After recognition, apply for the monthly allowance or product support

In person: Startup Odisha, Bhubaneswar

Run by

Startup Odisha, MSME Department, Government of Odisha

This is for registered companies with a new product or service, not for small shops or home businesses. For those, the Mission Shakti SHG route fits better.

Checked 7 October 2026 against Startup Incentives, additional benefits to women-led startups · 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