What Is Gruha Lakshmi Scheme And Where Is It Implemented? All You Need To Know

The Karnataka government’s Gruha Lakshmi Scheme provides financial assistance to women to improve their living standards. The scheme offers monthly assistance of Rs 2,000 to the senior woman of the house and is expected to benefit around 1.28 crore women in Karnataka. Also Read: The 4% Rule In A 10% Inflation Economy! The Gruha Lakshmi Scheme was one of the Congress party's major electoral planks in the 2023 assembly elections, which unseated the Bharatiya Janata Party (BJP) from power. However, significant delays in payment disbursement are raising concerns about its implementation and potential discontinuation. Pushpa Amarnath, vice-president of the implementation committee, has assured the beneficiaries of phased disbursements in all the districts.   The scheme targets homemakers, landless women, and agricultural women workers for financial aid via the Direct Benefit Transfer (DBT) mode. The beneficiaries have received the financial assistance since August 2023, and it has been directly transferred to their bank accounts.

Benefits and Eligibility

The Karnataka government provides Rs 2,000 monthly to eligible women from Below the Poverty Line (BPL) and Above the Poverty Line (APL) families in the state. The first disbursals were made on August 30, 2023. The scheme allows the eldest woman of the family to change their status in the ration cards to a head of the family status to avail of the cash. However, only one woman in a family can benefit from the scheme. Women government employees, women taxpayers, and those whose husbands pay income tax or file GST returns are not eligible. The scheme also does not apply to women married to government employees or taxpayers.  

Online Registration

Eligible women can register online by visiting the Seva Sindhu Guarantee Schemes Portal. Then, they must click the 'Gruha Lakshmi Yojana' option, fill in the required information, upload documents, and click the submit button. They should save the application number for future reference. Also Read: Now, You Can Clear Your Cheque Within Hours Instead Of Days, As RBI MPC Proposes Continuous Clearance

Offline Registration

One can apply for the scheme offline at Seva Kendras and Nada Kacheris. They must fill out the application form, submit the required documents, and wait for state officials to register. The list of beneficiaries will be displayed on the Seva Sindhu Guarantee Scheme Portal.  

Documents

The Gruha Lakshmi Scheme requires documents such as an Aadhaar card, ration card, husband's Aadhaar card, mobile number, and bank account details.