Government schemes for women in Uttar Pradesh, without the rumours

Also called Vidhwa pension UP, UP widow pension, Nirashrit mahila pension, Vidhwa pension kitni hai, SSPY UP widow pension, Pati ki mrityu uprant nirashrit mahila pension

₹1,000 a month, paid by DBT into her bank account

A monthly pension for women in Uttar Pradesh whose husband has died, aged 18 or more, whose family earns ₹2 lakh a year or less from all sources. She cannot already be getting another state or central pension.

Status

Checked 3 Oct 2026: paying ₹1,000 a month and applications are open all year on sspy-up.gov.in; the 2026-27 budget set aside ₹3,500 crore for about 38.59 lakh women. In September 2026 the CM said pensions will be raised, but no official order for ₹1,500 was found.

Who can apply

• Permanent resident of Uttar Pradesh
• Her husband has died
• Age 18 years or more
• Yearly income of the applicant and her family from all sources not above ₹2 lakh
• Not getting a pension from any other state or central government scheme

Documents

• Husband's death certificate
• Passport size photo
• Bank passbook copy (Aadhaar-linked account)
• Income proof (income certificate)
• Aadhaar
• Mobile number

How to apply

1. Open sspy-up.gov.in and choose Nirashrit Mahila Pension, then fill the online form
2. Upload photo, husband's death certificate, bank passbook and income proof, then print the form
3. The form is checked (up to 45 days), approved by the BDO (villages) or SDM (towns), then by the district committee
4. Old applicants: register your mobile number on the portal and verify Aadhaar online so payment does not stop

In person: Block office (BDO) in villages, SDM or tehsil office in towns, or the District Probation Officer; a Jan Seva Kendra (CSC) can fill the form

Run by

Women Welfare Department (Mahila Kalyan Vibhag), Government of Uttar Pradesh; applications on the Integrated Social Pension Portal (SSPY)

₹1,000 is the amount in force. Talk of ₹1,500 is only an announcement so far, with no government order seen. The SSPY eligibility pop-up still shows an old ₹500 figure: ignore it. The Women Welfare page says ₹1,000. Social Welfare toll free line: 18004190001 (office hours).

Checked 3 October 2026 against Programs and Schemes run by Women Welfare: Widow Pension Scheme, Nirashrit Mahila Pension: eligibility, documents and online form, Budget Speech 2026-27 (₹3,500 crore for Nirashrit Mahila Pension; 38,58,922 beneficiaries), Yogi government's beneficiary model: ₹1,500 pension promise and 38.58 lakh destitute women, 18 Sep 2026 · Official page to apply

Also called Ahilyabai Matru Shakti Yojana, UP free bus travel for women, Roadways free bus women 60 plus, Mahila free bus UP, UPSRTC free travel senior women

Free travel in UPSRTC ordinary (non-AC) buses

Women in Uttar Pradesh aged over 60 can ride UPSRTC ordinary buses free. UPSRTC will give them a special smart card for this.

Status

Checked 3 Oct 2026: approved by the state cabinet on 25 Aug 2026 and launched by the CM on 26 Aug 2026; running now. It is only for women over 60. There is no everyday free bus travel for younger women in UP.

Who can apply

• Woman aged over 60 years
• Travel in Uttar Pradesh State Road Transport Corporation ordinary (sadharan) buses

Documents

• Proof of age such as Aadhaar or Voter ID
• UPSRTC smart card for women over 60, when issued

How to apply

1. Board a UPSRTC ordinary bus and show proof of age to the conductor
2. Ask at your bus depot or bus station for the special smart card for women over 60
3. Complaints: UPSRTC 24x7 helpline 1800-180-2877

In person: UPSRTC bus depot or bus station

Run by

Transport Department, Uttar Pradesh State Road Transport Corporation (UPSRTC), Government of Uttar Pradesh

Only ordinary UPSRTC buses are covered in the cabinet decision, not AC or private buses. For all other women, free bus rides happen only around Raksha Bandhan (27 to 29 Aug in 2026), not every day.

Checked 3 October 2026 against Cabinet decisions, 25 Aug 2026 (item 3: free travel for women over 60 in UPSRTC ordinary buses, smart cards, ₹22.55 crore a month), UP govt launches free bus travel scheme for elderly women, 26 Aug 2026, UPSRTC official website and helpline · Official page to apply

Also called BC Sakhi Yojana, Banking Correspondent Sakhi, BC Sakhi kaise bane, Bank Sakhi UP, Mission One GP One BC Sakhi

₹4,000 a month for the first 6 months, then commission of about 0.20% to 0.32% on every transaction

A woman member of a village self-help group is trained and certified to run a small bank point in her gram panchayat. She gets ₹4,000 a month for six months to settle in, then earns commission on deposits, withdrawals and other banking work.

Status

Checked 3 Oct 2026: running; the portal shows 39,890 BC Sakhis working out of a goal of 58,000 gram panchayats, so new selection happens only where a panchayat has no working BC Sakhi.

Who can apply

• Woman member of a self-help group under UPSRLM
• Lives in the rural gram panchayat she will serve
• Completes the 6-day BC training at an RSETI and passes the Indian Institute of Banking and Finance (IIBF) certification
• One BC Sakhi per gram panchayat

Documents

• Aadhaar
• SHG membership details
• Bank account

How to apply

1. Join a self-help group if you are not already in one
2. Ask the block mission manager (UPSRLM) whether your gram panchayat has a BC Sakhi vacancy
3. If selected, attend the free 6-day training at the district RSETI and pass the IIBF exam
4. A partner bank onboards you; you get ₹4,000 a month for six months, then commission
5. Help: BC Sakhi helpline 9070804060

In person: Block (development block) UPSRLM office or the district RSETI

Run by

Uttar Pradesh State Rural Livelihood Mission (UPSRLM), Department of Rural Development, Government of Uttar Pradesh

After six months your income depends fully on how many transactions you do. The mission's own review says the basic working capital supports only about ₹3,000 a month in commission; the top BC Sakhis earn far more by serving many DBT beneficiaries.

Checked 3 October 2026 against Banking Correspondent (BC) Sakhi programme, UPSRLM BC Sakhi portal (live counts, ₹4,000 a month for six months), BC Sakhi methodology and limitations, Budget Speech 2026-27 (39,880 BC Sakhis, ₹39,000 crore of transactions, ₹107 crore earned in 2025-26) · Official page to apply

Also called Sewayojan UP, Rojgar Sangam registration, UP Rojgar Mela, Employment exchange UP, Berojgari registration UP, Navdisha women

Free job-seeker registration, Rozgar Mela (job fair) invites, campus placement, apprenticeship links and career counselling; no cash

Any job seeker in Uttar Pradesh can register free on Rojgaar Sangam to find private jobs, government outsourcing jobs and district job fairs. Some recruitment notices still ask for a Sewayojan registration number, which you get here.

Status

Checked 3 Oct 2026: free job-seeker registration open all year on rojgaarsangam.up.gov.in, with district Rozgar Melas; the portal also runs Navdisha, a digital and financial literacy initiative for women. UP pays no unemployment allowance.

Who can apply

• Job seeker from Uttar Pradesh

Documents

• Aadhaar
• Mobile number
• Marksheets and certificates
• Photo

How to apply

1. Open rojgaarsangam.up.gov.in and choose Job Seeker Registration
2. Fill in your details and qualifications and verify your mobile
3. Check Active Rojgaar Mela for fairs in your district and apply to listed jobs
4. Help: 155330

In person: District Employment Office (Sewayojan karyalaya)

Run by

Directorate of Training and Employment, Labour and Employment Department, Government of Uttar Pradesh

Registration is free; anyone who asks for money for a Rozgar Mela seat or a job is a fraud. Registration alone rarely brings a job, so go to the fairs.

Checked 3 October 2026 against Rojgaar Sangam: Official Employment Portal of Government of Uttar Pradesh, Budget Speech 2026-27 (₹200 crore for the Uttar Pradesh Rozgar Mission) · 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 ODOP toolkit yojana, ODOP prashikshan toolkit, Free toolkit UP artisans

10 days of free training with ₹200 a day, plus a free modern toolkit

Artisans and workers aged 18 or more linked to their district's ODOP product get free skill training (10 days for new workers), ₹200 a day while training and a free toolkit. Skilled artisans get certified through Recognition of Prior Learning.

Status

Checked 3 Oct 2026: listed as an active ODOP scheme on odopup.in; batches run through the district DIC.

Who can apply

• Age 18 years or more
• Resident of Uttar Pradesh
• No education needed
• Has not received a toolkit from any central or state scheme in the last 2 years
• Only one person per family (husband and wife count as one family)

Documents

• Aadhaar
• Bank account details
• Affidavit that you meet the conditions

How to apply

1. Apply online on the MSME portal for ODOP Training and Toolkit
2. Attend the training batch called by the DIC (10 days for new workers)
3. Get the toolkit and certificate at the end of training

In person: District Industries and Enterprise Promotion Centre (DIC)

Run by

ODOP Cell, MSME and Export Promotion Department, Government of Uttar Pradesh

The certificate from this training also counts as the skill certificate needed for a CM-YUVA loan.

Checked 3 October 2026 against ODOP Training and Toolkit Scheme, ODOP training and toolkit scheme guidelines (PDF) · Official page to apply

Also called VSSY UP, Vishwakarma Shram Samman, UP Vishwakarma toolkit, Darzi toolkit UP

6 days of free training, a modern toolkit after certification, and help to get a cheaper loan of ₹10,000 to ₹10 lakh

Traditional and modern artisans in Uttar Pradesh, such as tailors, basket weavers, barbers, potters, goldsmiths, carpenters and halwais, get free training, a toolkit and help with a concessional loan.

Status

Checked 3 Oct 2026: shown as version 2.0 on msme.up.gov.in with online applications; 25 trades covered.

Who can apply

• Native of Uttar Pradesh
• Age 18 years or more
• Works in one of the 25 notified trades (for example tailor, carpenter, basket weaver, barber, goldsmith, blacksmith, potter, halwai, cobbler, mason, handicraft)
• One member per family
• Has not taken this scheme's benefit before within the set period

Documents

• Aadhaar
• Bank account
• Residence proof
• Proof of trade or occupation

How to apply

1. Register and apply on the MSME portal with your documents
2. DIC checks and selects eligible applicants
3. Attend 6-day free training and pass the assessment to get a certificate
4. Only after the certificate: receive the toolkit and apply for a loan through UP Khadi and Village Industries Board (UPKVIB)

In person: District Industries and Enterprise Promotion Centre (DIC)

Run by

MSME and Export Promotion Department (Directorate of Industries), Government of Uttar Pradesh

The official page itself marks the toolkit value (up to ₹15,000) as 'verify', so the amount is not fixed here. The bank decides whether to give the loan.

Checked 3 October 2026 against Vishwakarma Shram Samman Yojana, UP 2.0: objective, eligibility, process and benefits, Departmental schemes brochure (Vishwakarma Shram Samman: 6-day training and toolkit) · Official page to apply

Also called UPSDM, Kaushal Vikas Mission UP, UP free skill course, Kaushal Disha portal

Free short-term job skill courses (NSQF), certificate and placement help; 30% of training targets are set aside for women

Young people aged 14 to 35 in Uttar Pradesh can join free short skill courses in trades of their choice through training partners, and get help with placement. Women have 30% of the seats in the targets.

Status

Checked 3 Oct 2026: candidate registration open on upsdm.gov.in; the 2026-27 budget gives ₹1,000 crore for training and promises separate skill centres for women.

Who can apply

• Youth aged 14 to 35 years
• Lives in Uttar Pradesh

Documents

• Aadhaar
• Bank account
• Educational certificates
• Photo
• Mobile number

How to apply

1. Open upsdm.gov.in and click Candidate Registration
2. Choose a sector and a training centre near you
3. Attend at least 70% of classes, pass the assessment and get the certificate
4. Help: 0522-4944200

In person: District Skill Development Mission office or a UPSDM training centre

Run by

Uttar Pradesh Skill Development Mission, Vocational Education and Skill Development Department, Government of Uttar Pradesh

Placement is helped, not promised. The budget says 9.25 lakh youth were trained in five years and 4.22 lakh placed. The UPSDM certificate also counts as the skill certificate for a CM-YUVA loan.

Checked 3 October 2026 against U.P. Skill Development Mission (aims, 14 to 35 age group, 30% women target, helpline), Budget Speech 2026-27 (₹1,000 crore training; separate centres for women; 9.25 lakh trained) · Official page to apply

Also called CM Yuva loan, CM YUVA Yojana, MYUVA, Yuva Udyami Yojana UP, 5 lakh interest free loan UP, CM Yuva loan for women

Bank loan up to ₹5 lakh with no interest and no collateral for 4 years, plus a 10% margin money grant

Young people aged 21 to 40 in Uttar Pradesh who have passed class 8 and have a skill certificate can get an interest-free, collateral-free bank loan for a project up to ₹5 lakh to start a small factory, shop or service. Women can apply like anyone else and are named as a priority group.

Status

Checked 3 Oct 2026: open all year; the 2026-27 budget gives ₹1,000 crore with a target of 1 lakh new micro units a year. Women are a priority group but there is no separate women's quota or amount.

Who can apply

• Resident of Uttar Pradesh
• Age 21 to 40 years
• Class 8 pass or equivalent (intermediate pass gets preference)
• Has a skill certificate, diploma or degree from a recognised institution, or training under Vishwakarma Shram Samman, ODOP Training and Toolkit, SC/ST/OBC training or UP Skill Development Mission
• Has not taken interest or capital subsidy under any other state or central scheme before, except PM SVANidhi
• Own contribution of the project cost: 15% general, 12.5% OBC, 10% SC/ST/disabled, and 10% for everyone in Bundelkhand, Purvanchal and aspirational districts
• Land and building cannot be part of the project; tobacco, alcohol, firecrackers and thin plastic bags are not allowed

Documents

• Skill or training certificate (or ITI/computer training certificate)
• Project report
• PAN card
• Address proof (electricity bill or Aadhaar)
• Bank passbook first page
• Educational certificate and age proof
• Domicile (resident) certificate
• Photo and signature
• Self-declaration and vendor quotation

How to apply

1. Register on the UP MSME (Directorate of Industries) portal and choose CM-YUVA
2. Upload documents and project report; the District Industries and Enterprise Promotion Centre (DIC) checks the file
3. The file goes to a bank; the loan is covered by CGTMSE, with the credit cover fee paid by the state for 4 years
4. Repay in 4 years; if you repay on time you can apply for a second-phase loan to expand

In person: District Industries and Enterprise Promotion Centre (DIC) in your district

Run by

MSME and Export Promotion Department (Directorate of Industries and Enterprise Promotion), Government of Uttar Pradesh

The bank still decides the loan. The 10% margin money grant is paid at the back end, so you must first put in your own share (10% to 15%). If your project costs more than ₹5 lakh, only the first ₹5 lakh is interest-free. UP MSME helpline: 155343.

Checked 3 October 2026 against Mukhyamantri Yuva Udyami Vikas Abhiyan Yojana (CM-YUVA): eligibility and how to apply, Budget Speech 2026-27 (₹1,000 crore for CM-YUVA; 1 lakh units a year), Mukhyamantri Yuva Udyami Vikas Yojana (CM-YUVA): margin, project cost, CGTMSE · Official page to apply

Also called CM Yuva Swarojgar Yojana UP, MYSY UP, Yuva swarozgar loan, UP self employment loan 25 lakh

Bank loan for a project up to ₹25 lakh (industry) or ₹10 lakh (service), with 25% margin money from the state (up to ₹6.25 lakh or ₹2.5 lakh)

Educated young people aged 18 to 40 in Uttar Pradesh can get a bank loan for a small industry or service unit, and the state pays 25% of the project cost as margin money. Women put in only 5% of the project cost themselves instead of 10%.

Status

Checked 3 Oct 2026: listed as a running scheme on msme.up.gov.in, and the 2026-27 budget gives it ₹225 crore.

Who can apply

• Native (mool niwasi) of Uttar Pradesh
• Age 18 to 40 years
• High school (class 10) pass or equivalent
• Not a defaulter of any bank or financial institution
• Has not taken benefit under PMRY, PMEGP, Mukhyamantri Rozgar Yojana or any other self-employment scheme
• Own contribution: 10% of project cost for general category; 5% for SC/ST/OBC, minority, women and disabled applicants
• Margin money becomes a grant after the unit runs successfully for 2 years

Documents

• Domicile (resident) certificate
• High school marksheet
• Aadhaar and PAN
• Project report
• Category certificate if claiming 5% contribution (women, SC/ST/OBC, minority, disabled)
• Bank passbook and photo

How to apply

1. Register on msme.up.gov.in and apply online for Mukhyamantri Yuva Swarozgar Yojana
2. The district committee scrutinises the form and sends selected files to the bank
3. The bank sanctions a composite loan after you deposit your own share

In person: District Industries and Enterprise Promotion Centre (DIC)

Run by

MSME and Export Promotion Department (Directorate of Industries and Enterprise Promotion), Government of Uttar Pradesh

This is an older and bigger loan scheme than CM-YUVA but it has interest, and it needs class 10 pass. You cannot take both. Applications are online only.

Checked 3 October 2026 against Departmental schemes: Mukhyamantri Yuva Swarozgar Yojana, Mukhyamantri Yuva Swarozgar Yojana guidelines (PDF), Budget Speech 2026-27 (₹225 crore for Mukhyamantri Yuva Swarozgar Yojana) · Official page to apply

Also called ODOP vitt poshan sahayata yojana, Ek Jila Ek Utpad loan, ODOP loan subsidy UP, ODOP margin money

Margin money grant of 25% of project cost (up to ₹6.25 lakh) for projects up to ₹25 lakh, with a bank loan for the rest; bigger projects get 10% to 20%

Anyone aged 18 or more who makes or sells the ODOP product chosen for her district (for example chikankari in Lucknow) can get a bank loan with a government margin money grant. Women put in only 5% of the project cost themselves.

Status

Checked 3 Oct 2026: listed as an active ODOP scheme on odopup.in with online applications through the MSME portal.

Who can apply

• Age 18 years or more
• No education needed
• The unit must be for the ODOP product named for that district (industry, service or trade)
• Not a defaulter of any bank, financial or government institution
• Has not taken benefit under any other central or state self-employment scheme before
• Only once per applicant or family
• Own contribution: 10% for general category; 5% for SC/ST/OBC, minority, women and disabled applicants

Documents

• Aadhaar and address proof
• Project report
• Bank documents
• Category certificate if claiming special category (including women)
• Affidavit that you meet the conditions

How to apply

1. Check your district's ODOP product on odopup.in
2. Apply online on the MSME portal for ODOP financing assistance (margin money)
3. The DIC checks the file and sends it to a bank; the grant is released with the bank loan

In person: District Industries and Enterprise Promotion Centre (DIC)

Run by

ODOP Cell, MSME and Export Promotion Department, Government of Uttar Pradesh

Only for your district's ODOP product, and only once per family. A newer twin scheme, ODOC (One District One Cuisine) margin money, covers district food items.

Checked 3 October 2026 against ODOP Margin Money Scheme, ODOP financing assistance scheme guidelines (PDF), Departmental schemes brochure (own contribution 5% for women) · Official page to apply

Also called UPSRLM SHG, Swayam Sahayata Samuh UP, NRLM UP, Lakhpati Didi UP, Ajeevika Mission UP, Mahila samuh loan UP

Join a village women's self-help group to save together, get group funds and bank loans, training, and work as BC Sakhi or in milk and other producer companies

Rural women in Uttar Pradesh can join a self-help group under the State Rural Livelihood Mission. Groups that save and keep books get mission funds and bank loans, and members get training and links to markets and jobs such as BC Sakhi.

Status

Checked 3 Oct 2026: active; the mission reports over 10.5 lakh SHGs, about 1.25 crore rural families and 28.16 lakh Lakhpati Didis. A new interest-free credit line for SHG women was announced in Sept 2026 but is not yet notified.

Who can apply

• Woman from a rural household in Uttar Pradesh
• Joins or forms a self-help group under UPSRLM in her village

Documents

• Aadhaar
• Bank account
• Photo

How to apply

1. Contact the UPSRLM block mission office or the community resource person in your gram panchayat
2. Join or form a group of 10 or more women, save every month and keep group records
3. After the group is graded, it can get mission funds and a bank loan; ask about BC Sakhi and other livelihood roles

In person: Block development office (UPSRLM block mission management unit)

Run by

Uttar Pradesh State Rural Livelihood Mission (UPSRLM), Department of Rural Development, Government of Uttar Pradesh

Money goes to the group first, not straight to one woman, and only after the group has run well for some months. Exact fund amounts per group were not found on a UP official page.

Checked 3 October 2026 against Uttar Pradesh State Rural Livelihood Mission, Budget Speech 2026-27 (BC Sakhi results; Mahila Samarthya milk producer companies in Gorakhpur, Bareilly, Rae Bareli), 28.16 lakh women became Lakhpati Didi in UP villages (Mission Director quoted) · 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