Gruhalakshmi Scheme: Check Eligibility, Documents Required, Application Process

01^st Dec 2025...

Published By : Team 811

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On November 11, 2025, a new cooperative association will give low-interest loans to people who are part of Karnataka's Gruha Lakshmi scheme. The society will give loans of up to Rs 3 lakh. Women and Child Development Minister Laxmi Hebbalkar said this will make women even stronger financially.

Key takeaways

The Gruhalakshmi Scheme pays qualifying women heads of households ₹2,000 a month through direct bank transfer. This money helps with household costs.
To be eligible, the applicant must be a permanent resident of Karnataka, be the head of a BPL/APL/Antyodaya ration-card family, and not pay income tax or GST.
The plan helps women become more financially independent and raises living conditions by giving steady help, especially to homemakers, farmers, and families with less money.

Money in the hands of women translates directly to welfare of the entire family & more consumption expenditure which is good for reviving the economy.

The money saved on bus rides & GruhaLakshmi in Scheme, Karnataka, means more nutritious food, more milk & tuitions for kids.

@geetv79

https://x.com/geetv79/status/1696842512156213336?s=20

What is the Gruhalakshmi Scheme?

The "Griha Lakshmi" program from the Karnataka Government's Department of Women and Child Development attempts to give women more authority by giving money to women who are the leaders of their families. The plan gives eligible women ₹2,000 a month to help them pay for things around the house and make their lives better. Women who are named as the head of the family on the ration card can apply for the program. Families with Below Poverty Line (BPL) or Above Poverty Line (APL) ration cards can also apply.

H2: Who Benefits from the Gruhalakshmi Scheme?

So, who actually benefits from the Gruhalakshmi scheme?

Women who are primarily the head of the family
Widows

These 2 groups are the primary beneficiaries of the Gruhalakhami Scheme.

Gruhalakshmi Scheme Key Features & Benefits

Let’s now take a look at the Benefits of the Grihalakshmi Scheme by the Government of Karnataka.

Help with money of ₹2,000/- a month.
The money goes straight to the beneficiary's bank account that is linked to Aadhaar (DBT) or through RTGS for accounts that aren't linked to Aadhaar.

At Kotak, we always give priority to the development of women, which is why we have an 811 Zero Balance Account that can be opened from anywhere. This is helpful for the women who don’t have time balancing work and house, while also not having to worry about maintaining a minimum balance.

Eligibility Criteria

Are you eligible for the scheme or not? Let’s take a look at that

The person applying should be a woman.
The person who is applying should be the head of the family according to the ration card (BPL or APL).
The applicant's family must live in Karnataka.
Women from households with low incomes are given first choice.
If the head of the family dies, the next eligible woman can be enrolled.

Exclusions

The following people are excluded from this scheme

The families where the man is the head of the family.
The families where the woman heads are paying taxes on their income or GST.

Required Documents

The following documents are needed to apply for the Gruhalakshmi Scheme

Copy of the Ration Card where the woman is listed as the head of the family
Copy of the Aadhaar Card of the beneficiary
Passbook of the bank account linked with Aadhaar or RTGS details for non-Aadhaar-linked accounts
Any document proving residence in Karnataka
Income Certificate (if applicable)
Self-Declaration Form (confirming head of household status)
Death Certificate of husband (for widows, if applicable)

How to Apply for Gruhalakshmi Scheme (Step-by-Step)

You can apply for the scheme both online and offline, and below are the steps for both

Online Application	Offline Application
Start by visiting the Seva Sindhu Guarantee Schemes Portal.	Drop by your nearest Grama One, Bangalore One, Karnataka One, or BBMP Ward Office, or wait for an official who may visit your home.
Create an account using your Aadhaar number and mobile number.	Request the printed version of the application form.
Sign in with your new login details and open the scheme’s application page.	Fill in all the required details and attach the necessary documents (self-attest if asked).
Enter your information carefully, upload your documents, and review everything before you proceed.	Hand over the completed form and documents to the staff at the counter.
Submit the form online after accepting the terms, and note down the reference number for future tracking.

Note: The offline process is free, and you can apply anytime as there’s no deadline.

How to check the application status

Once you have applied and noted the reference number, go to the official website and enter the number, where you will be able to see the application status.

Benefit Disbursal

Once you’re approved, the benefit amount is directly credited to your registered bank account.

Conclusion

The Gruhalakshmi scheme is a game-changer for the women of Karnataka, who are the primary beneficiaries of this scheme. The scheme aims to send 2000 directly to their bank accounts every month. With Kotak811, you can wisely use the money without the pressure of maintaining a minimum bank balance, a win-win for everyone.

FAQs

1. Who is eligible to apply for the Gruhalakshmi Scheme?

Women in Karnataka who are in charge of BPL/APL/Antyodaya ration-card families and don't pay income tax or GST.

2. How much financial assistance is provided under the scheme, and how is it paid?

₹2,000 a month, sent straight to the beneficiary's bank account that is connected to their Aadhaar number.

3. What documents are required to apply for the Gruhalakshmi Scheme?

The documents you need for the scheme are:

Aadhaar Card
Ration Card
Bank Passbook or RTGS Details
Proof of Residence
Income Certificate (if required)
Self-Declaration Form
Husband’s Death Certificate if you’re a widow

4. Can women from urban households or only rural areas apply?

Yes, women from both cities and the countryside who fit the requirements can apply.

5. Is there a deadline to apply for the scheme?

No, you can apply at any moment.

6. How can applicants check the status of their Gruhalakshmi Scheme application?

You can track your application online using the official portal and your reference number.

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This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.