Government schemes for women in Rajasthan, checked against the 2026 budget

Also called Ekal Nari Pension, Vidhwa Pension Rajasthan, widow pension Rajasthan, Parityakta pension, Talakshuda pension, Ekalnari Samman Pension, RajSSP pension

₹1,350 a month (₹1,500 a month from age 75)

A monthly pension for widowed, divorced or abandoned women of Rajasthan aged 18 or more who have little or no income of their own. It is paid into her bank or post office account.

Status

Paying in 2026: the RajSSP pension portal shows ₹1,350 a month (₹1,500 at age 75 and above); applications are taken all year. Checked 4 October 2026.

Who can apply

• Widow, divorced or abandoned woman aged 18 or more
• Native of Rajasthan and living in Rajasthan
• Has no regular income of her own to live on, or her total yearly income from all sources is below ₹48,000
• The income condition does not apply to women from BPL, Antyodaya or Astha card families, Sahariya, Kathodi or Khairwa communities, or women living with HIV registered with the Rajasthan State AIDS Control Society

Documents

• Aadhaar and Jan Aadhaar
• Proof of age (birth certificate)
• Ration card
• Domicile (residence) certificate
• Bank account details
• Passport-size photo
• Income declaration form
• Widow: husband's death certificate; divorced: court certificate; abandoned: certificate from the SDO or Block Development Officer

How to apply

1. Apply online through an e-Mitra kiosk or your SSO ID on the RajSSP pension portal, using your Jan Aadhaar
2. Since 2 October 2021 many applications are approved automatically using Jan Aadhaar data
3. Otherwise the BDO (villages) or SDO (towns) checks and sanctions the pension
4. Complete the yearly verification so the pension keeps coming

In person: e-Mitra kiosk, Block Development Office (rural) or Sub Divisional Office (urban)

Run by

Social Justice and Empowerment Department, Government of Rajasthan

The income limit is about the woman's own yearly income (₹48,000), not the family's. News reports say the amount rises each year under the Rajasthan Minimum Guaranteed Income Act, with ₹1,450 proposed from January 2027, but that is not yet on the official portal.

Checked 4 October 2026 against RajSSP eligibility criteria (state pension schemes table), Chief Minister Ekal Nari Samman Pension Yojana (scheme record 112), Chief Minister Ekal Nari Samman Pension Yojana (documents list), Pension rises to ₹1,350 from July 2026, ₹1,450 proposed from January 2027 (news) · Official page to apply

Also called Rajasthan roadways mahila kiraya chhoot, roadways half ticket women, RSRTC women 50 percent, Rajasthan bus women discount

50% off the bus fare on Rajasthan Roadways buses for journeys inside Rajasthan

Women and girls pay half fare on Rajasthan Roadways (RSRTC) buses for travel within the state. The discount is given at the ticket counter, in the bus or on online booking.

Status

In force in 2026: the RSRTC booking site says women get 50% off in all services within Rajasthan. Checked 4 October 2026.

Who can apply

• Female passengers travelling within Rajasthan state limits

Documents

• None usually; carry an ID in case the conductor asks

How to apply

1. Tell the conductor or booking window you are a woman passenger, or pick the female option when booking online
2. The discount applies only up to the Rajasthan border

In person: Any RSRTC bus or booking counter

Run by

Rajasthan State Road Transport Corporation (RSRTC), Transport Department

Older government listings say 30%; the RSRTC site now says 50%. It does not cover private buses or the part of a trip outside Rajasthan.

Checked 4 October 2026 against RSRTC online booking home page (concession note), Fare concession for women and girls (scheme record 316) · Official page to apply

Also called Yuva Sambal Yojana, Berojgari Bhatta Rajasthan, Rajasthan unemployment allowance, berojgari bhatta mahila 4500, MYSY 2021, Yuva Sambal 4500

₹4,500 a month for women (₹4,000 for men) for up to 2 years, while she does the required internship and skill training

A monthly unemployment allowance for jobless graduates of Rajasthan. Women get ₹4,500 a month for up to two years or until they find work, but must do the internship and skill training linked to the scheme.

Status

Listed as active on the state Jan Kalyan scheme portal and on myScheme in 2026; applications open once a year from 1 April to 30 June and selection happens on 1 July. No 2026 government press release on payments was found; checked 4 October 2026.

Who can apply

• Native (domicile) of Rajasthan
• Holds a graduate degree; a woman who graduated in another state is eligible if she is married to a Rajasthan native
• Not working in a government or private job and not self-employed
• No minimum age; maximum age 35 for women, SC, ST, transgender and specially-abled applicants (30 for general category men)
• Registered at one local employment office before applying, and stays registered while getting the allowance
• Not getting any other allowance, scholarship or financial help from government funds
• Never dismissed from a government post
• At most two people per family (as per Jan Aadhaar) can get the allowance
• Up to 2 lakh youth are selected each year; if more apply, older applicants get preference

Documents

• Domicile certificate (for a woman who graduated outside Rajasthan: husband's domicile certificate and marriage certificate)
• Class 10 marksheet or certificate (date of birth proof)
• Graduation marksheet or degree
• Passbook of a single savings account in a scheduled bank
• Family income declaration: Annexure I attested by a Tehsildar or notary, and Annexure K signed by two responsible persons
• Caste certificate (SC or ST only) and disability certificate (if applicable)
• Skill or vocational training certificate (if any)
• Self-declaration in Hindi
• Aadhaar and Jan Aadhaar

How to apply

1. First register as a job seeker at your local employment office through SSO Rajasthan (sso.rajasthan.gov.in) or an e-Mitra kiosk
2. Between 1 April and 30 June, log in with your SSO ID and choose 'Apply for Unemployment Allowance', or go to any e-Mitra
3. Fill the form and upload the e-signed documents
4. Eligible applicants are selected automatically on 1 July; then do the internship and skill training, or the allowance stops
5. Tell your employment office in the same month if you get a job

In person: District employment office or any e-Mitra kiosk

Run by

Directorate of Employment, Department of Skills, Employment and Entrepreneurship, Government of Rajasthan

It is only for graduates, and only up to 2 lakh people are selected each year. The allowance stops if you skip the internship. Giving false information leads to a police FIR by the District Employment Officer. Websites selling a 'PM Berojgari Bhatta' form are fake.

Checked 4 October 2026 against Mukhyamantri Yuva Sambal Yojana 2021 guidelines (scheme record 171), Mukhyamantri Yuva Sambal Yojana, Employment portal (job seeker registration, unemployment allowance) · Official page to apply

Also called rojgar karyalaya registration Rajasthan, employment exchange Rajasthan, EEMS Rajasthan, rozgar panjiyan, job seeker registration Rajasthan

Free job-seeker registration card, job fair alerts and government vacancy notices; needed before applying for the Yuva Sambal allowance

Free registration with your local employment office so you hear about job fairs and vacancies. Graduates must be registered here before they can apply for the unemployment allowance.

Status

Registration is open all year through SSO Rajasthan; the employment portal was updated in March 2026. Checked 4 October 2026.

Who can apply

• Job seeker living in Rajasthan; register at only one employment office

Documents

• SSO ID
• Educational certificates
• Aadhaar and Jan Aadhaar

How to apply

1. Log in to sso.rajasthan.gov.in and open the Employment app
2. Choose New Registration and fill your education and skills
3. Print your registration card from the portal and keep it renewed

In person: District employment office or e-Mitra kiosk

Run by

Directorate of Employment, Department of Skills, Employment and Entrepreneurship, Government of Rajasthan

Registration alone gives no money. Registering at more than one employment office disqualifies you from the allowance.

Checked 4 October 2026 against Rajasthan Employment portal (job seekers menu), Mukhyamantri Yuva Sambal Yojana 2021 guidelines (registration rule) · 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 free RS-CIT for women, RS-CIT mahila free, RS-CFA free, RS-CSEP spoken English free, Kaushal Samarthya, Indira Mahila Shakti Prashikshan, free computer course women Rajasthan

Free courses: basic computers (RS-CIT), Tally accounting with GST (RS-CFA), spoken English and personality (RS-CSEP, 130 hours), and other free skill training (Kaushal Samarthya)

Free computer, accounting, spoken English and job-skill courses for women and girls of Rajasthan at RKCL IT centres and training institutes. Widowed, abandoned, single, SC, ST, poor and SHG women get priority.

Status

The RKCL application site for free RS-CIT, RS-CFA and RS-CSEP is live and the scheme record was updated in November 2025; seats open in batches. Checked 4 October 2026.

Who can apply

• Woman or girl who is a native of Rajasthan
• RS-CIT: class 10 pass, age 16 to 40
• RS-CFA: class 12 pass, age 16 to 40
• RS-CSEP: class 12 pass, age 16 to 45
• Kaushal Samarthya: any woman or girl who wants skill training; priority to widowed, abandoned, single, SC, ST, economically weak and SHG women
• SC and ST seats: 18% and 14% of allotted seats
• At least 65% biometric attendance needed to sit the exam and get the certificate

Documents

• Jan Aadhaar number
• Class 10 or 12 marksheet
• Mobile number for OTP

How to apply

1. Open the RKCL women's training site and enter your Jan Aadhaar number
2. Choose the course (RS-CIT, RS-CFA or RS-CSEP), district, tehsil and two centre choices, and upload documents
3. If selected you get an SMS with your IT Gyan Kendra; report there and register your biometric attendance
4. For other trades (Kaushal Samarthya), ask the district Women Empowerment office

In person: District office of Women Empowerment, or the nearest RKCL IT Gyan Kendra

Run by

Directorate of Women Empowerment, Government of Rajasthan, with Rajasthan Knowledge Corporation Limited (RKCL)

Seats are limited and open in rounds, so watch the RKCL site. The course is free; do not pay a centre for the fee.

Checked 4 October 2026 against Mukhyamantri Nari Shakti Prashikshan va Kaushal Samvardhan Yojana (scheme record 715), RKCL application site for women's free courses, RS-CIT for women (eligibility, seat shares) · Official page to apply

Also called RSLDC, ELSTP, RSTP, Rajasthan Skill and Livelihoods Development Corporation, free skill training Rajasthan, kaushal prashikshan Rajasthan

Free short-term job training at RSLDC skill centres, with placement help under ELSTP

Short, free job-skill courses for young women and men at RSLDC training centres across all districts, with help to get a job after the employment-linked courses.

Status

Listed as active on the state scheme portal; the 2026-27 budget adds a skill institute in each district and a placement-linked Skill Impact Bond. Batches run through private training partners; no fixed window. Checked 4 October 2026.

Who can apply

• Youth of Rajasthan of all categories (SC, ST, OBC, General, EWS, minority), in all districts

Documents

• Aadhaar card
• Address proof

How to apply

1. Find a skill development centre in your district on the RSLDC site or at the district skill office
2. Enrol in a batch with Aadhaar and address proof

In person: District skill, employment and entrepreneurship office or an RSLDC skill development centre

Run by

Rajasthan Skill and Livelihoods Development Corporation (RSLDC), Department of Skills, Employment and Entrepreneurship

Course list, stipend and placement differ by centre and batch; ask the centre what job role and placement are promised before you join.

Checked 4 October 2026 against Employment Linked Skill Training Programme (scheme record 651), Budget Speech 2026-27 (Hindi), para 56 · Official page to apply

Also called MNSUPY, Nari Shakti Udyam Yojana, Nari Shakti loan Rajasthan, Indira Mahila Shakti Udyam Protsahan Yojana, IMSUPY, mahila udyam loan Rajasthan

Bank loan up to ₹50 lakh for a woman or SHG (₹1 crore for an SHG cluster or federation), with 25% of the loan as a subsidy (30% for SC, ST, widowed, abandoned, violence-affected or disabled women), subsidy capped at ₹15 lakh

A bank loan with a big subsidy for a woman or a women's self-help group to start, grow or modernise a business in manufacturing, services, trade, dairy or farm-based work. A quarter of the loan (30% for priority groups) is later written off if the business runs for 3 years.

Status

The online portal is live and the scheme is marked active (record updated December 2025); the 2026-27 budget announced raising the loan limit for a woman or SHG from ₹50 lakh to ₹1 crore, but the portal still shows ₹50 lakh. Checked 4 October 2026.

Who can apply

• Woman aged 18 or more; no upper age limit and no education requirement
• Permanent resident of Rajasthan
• Or a women's self-help group registered with any state department; clusters or federations must be registered under the Cooperative Act
• Not eligible if a family member (husband, wife, minor children) got benefit from another central or state self-employment grant scheme in the last 5 years
• Not eligible if a family member is a bank or financial institution defaulter
• Trade (buying and selling) loans are capped at ₹10 lakh; meat, liquor, explosives, banned plastics and vehicles over ₹10 lakh are not allowed

Documents

• Domicile certificate
• Applicant photo
• Project report
• Education certificate (if any)
• SSO ID with Aadhaar-linked mobile

How to apply

1. Make an SSO Rajasthan ID (with Jan Aadhaar or Google) at sso.rajasthan.gov.in
2. Open the Nari Shakti Udyam app and fill the 7-step form: project, workplace, bank, documents
3. You put in 5% of the project cost (10% if the project is above ₹10 lakh)
4. Women Empowerment recommends the case; the bank gives final approval
5. The subsidy is kept as a deposit for 3 years (no interest on that part) and then cut from your loan if you repay on time

In person: District office of Women Empowerment (monthly help camps), or call 0141-2716421

Run by

Directorate of Women Empowerment, Women and Child Development Department, Government of Rajasthan

The subsidy is not cash in hand: it is adjusted against the loan after 3 years of running the business and regular repayment, with an inspection. The bank decides the loan. Loans up to ₹10 lakh need no collateral. A news report said the scheme lapsed on 31 March 2025 pending fresh approval; the 2026-27 budget continued it.

Checked 4 October 2026 against Mukhyamantri Nari Shakti Udyam Protsahan Yojana: introduction and FAQ, Mukhyamantri Naari Shakti Udhyam Protsahan Yojana (scheme record 1201), Budget Speech 2026-27 (Hindi), paras 95 to 98, Budget 2026-27 press note (English), Fifth Pillar, Scheme lapsed on 31 March 2025, re-approval sought (news, 26 April 2025) · Official page to apply

Also called Lakhpati Didi Rajasthan, Lakhpati Didi loan, Lakhpati Didi Yojana Rajasthan 1.5 lakh, Rajeevika loan, Rajasthan Mahila Nidhi loan

Loan up to ₹1.5 lakh at 1.5% yearly interest for SHG women in the Lakhpati Didi category

A cheap loan for women in Rajeevika self-help groups who are working to earn ₹1 lakh or more a year (Lakhpati Didi). The state pays most of the interest so she pays only 1.5% a year.

Status

Running in 2026: the 2026-27 budget raised the low-interest loan limit from ₹1 lakh to ₹1.5 lakh, and the Chief Minister said in May 2026 that the higher limit and 1.5% interest were in force. Checked 4 October 2026.

Who can apply

• Member of a Rajeevika women's self-help group
• In the Lakhpati Didi category (household earning, or working towards, ₹1 lakh a year)

Documents

• Self-help group membership and bank account (ask your SHG or village organisation for the current list)

How to apply

1. Join or stay active in a Rajeevika self-help group in your village
2. Ask your SHG, village organisation or cluster federation (CLF) about the Lakhpati Didi loan
3. The loan is given through Rajasthan Mahila Nidhi using your group's records

In person: Rajeevika block office, or your village organisation and cluster federation

Run by

Rajeevika (Rajasthan Grameen Aajeevika Vikas Parishad), Rural Development Department, with Rajasthan Mahila Nidhi Credit Cooperative

This is a loan, not a grant, and only for SHG members. The 2025-26 budget set a target of 20 lakh Lakhpati Didis; the Chief Minister said in October 2026 that 20 lakh had been reached. The Rajeevika website was not loading when checked.

Checked 4 October 2026 against Budget Speech 2026-27 (Hindi), paras 95 to 98, Budget 2026-27 press note (English), Fifth Pillar, Budget Speech 2025-26 (Hindi), para 76, Lakhpati Didi loan limit raised, interest cut to 1.5% (news, 22 May 2026), 26 lakh women trained, 20 lakh become Lakhpati Didis: Rajasthan CM (news, 3 October 2026) · Official page to apply

Also called VYUPY, Vishwakarma Yuva Udyami Yojana, Vishwakarma loan Rajasthan 2 crore, Yuva Udyami Protsahan

Bank loan up to ₹2 crore with 8% interest subsidy (7% on ₹1 to 2 crore, plus 1% extra for women) and margin money help of 25% of the loan, up to ₹5 lakh

Low-cost loans for young people aged 18 to 45 to start or grow a micro or small business. The state pays 8% of the interest on loans up to ₹1 crore, and women get 1% extra on bigger loans.

Status

Marked active on the state Jan Kalyan scheme portal (record updated September 2025); online applications. Checked 4 October 2026.

Who can apply

• Age 18 to 45
• Micro or small enterprise in manufacturing or services, as defined by the Government of India
• Firms, LLPs, companies and societies must be registered and at least 51% owned by people aged 18 to 45
• Women, SC, ST, persons with benchmark disabilities, rural units and card-holding weavers and artisans get 1% extra interest subsidy on loans above ₹1 crore up to ₹2 crore
• Interest subsidy is paid only if the loan is repaid on time

How to apply

1. Apply online with your SSO Rajasthan ID
2. The bank sanctions the loan; margin money is kept as a deposit and adjusted after 3 years if the business keeps running and you are not a defaulter

In person: District Industries and Commerce Centre (DIC)

Run by

Industries and Commerce Department, Government of Rajasthan

For loans up to ₹1 crore, women get the same 8% as men; the extra 1% for women applies only to loans above ₹1 crore. If the business closes within 3 years, the margin money goes back to the department.

Checked 4 October 2026 against Vishwakarma Yuva Udyami Protsahan Yojana (scheme record 1234) · Official page to apply

Also called MYSY Rajasthan, Yuva Swarojgar Yojana, interest free loan 10 lakh Rajasthan, byaj mukt loan yojana

Loan up to ₹10 lakh with full interest subsidy and margin money help

Interest-free loans for young people of Rajasthan who want to start their own work. The state pays all the interest and gives margin money support.

Status

Started in 2026; the 2026-27 budget speech says loans up to ₹10 lakh with full interest subsidy for 1 lakh youth, with ₹1,000 crore set aside. Exact rules were not on an official page we could open. Checked 4 October 2026.

Who can apply

• Youth of Rajasthan starting self-employment (detailed rules not verified on an official page)

How to apply

1. Ask the District Industries and Commerce Centre for the current form and loan categories
2. Apply online with your SSO Rajasthan ID

In person: District Industries and Commerce Centre (DIC)

Run by

Industries and Commerce Department, Government of Rajasthan

News reports give age 18 to 45 and loan tiers by education (₹3.5 to 7.5 lakh for class 8 to 12 pass, ₹5 to 10 lakh for graduates and ITI), but we could not open the official guidelines. Check at the DIC before paying anyone for a project report.

Checked 4 October 2026 against Budget Speech 2026-27 (Hindi), para 49, Budget 2026-27 press note (English), Fifth Pillar · 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