Delhi Laxmi Yojana: ₹2,500 Per Month for Women

Laxmi Yojana, earlier announced as Mahila Samriddhi Yojana, is a flagship financial assistance scheme of the Government of the National Capital Territory (NCT) of Delhi. Under the scheme, eligible women receive ₹2,500 per month through the Direct Benefit Transfer (DBT) system after successful verification of their applications. The scheme is being implemented by the Department of Women and Child Development, which has also launched the official online application portal for beneficiary registration and application submission.

Introduction of Delhi Laxmi Yojana: A Brief Insight

The Delhi Laxmi Yojana, earlier introduced as Mahila Samriddhi Yojana, is one of the flagship women-centric welfare schemes of the Government of the National Capital Territory (NCT) of Delhi. The scheme has been designed to provide regular financial assistance to eligible women from economically weaker families so that they can better manage household expenses and improve their financial security. Under the scheme, every approved beneficiary receives ₹2,500 per month through the Direct Benefit Transfer (DBT) system directly into her Aadhaar-linked bank account.

For the financial year 2026-27, the Delhi Government has made a budgetary provision of ₹5,100 crore for implementing the scheme. The Department of Women and Child Development has also operationalised the official Lakshmi Yojana online portal, enabling eligible applicants to complete Aadhaar authentication, register themselves, submit the application form, upload supporting documents, and track their application status through a single online platform.

To receive the monthly financial assistance, applicants must satisfy all the eligibility conditions notified by the Government. These include age, annual family income, Delhi residence, voter registration, electricity consumption, family status, and other prescribed verification requirements. The Department verifies every application before approving the benefit, ensuring that assistance reaches only eligible beneficiaries.

The application process has been kept completely digital for the convenience of applicants. Women can register through the Official Portal of Laxmi Yojana of the Delhi Government, complete the online application, upload the prescribed documents, submit the signed MP/MLA endorsement letter, and download the acknowledgement receipt after successful submission. The same portal also allows applicants to check the status of their applications without visiting any government office.

Women looking for other welfare initiatives of the Delhi Government may also explore the Lakhpati Bitiya Yojana, which supports the education and future of girl children, and the Saheli Pink Smart Card Scheme, which provides eligible women with free travel on Delhi’s public buses. Readers interested in similar welfare programmes can also visit our dedicated page on Delhi Government Welfare Schemes, where we regularly publish verified information on the latest schemes, benefits, eligibility conditions, and application processes announced by the Government of NCT of Delhi.

Delhi Laxmi Yojana Updates

• 01 August 2026: The Delhi Government launched the official Laxmi Yojana online application portal. Eligible women can now complete Aadhaar authentication, register, submit the online application, upload supporting documents, and track their application status through the official portal.
• 30 July 2026: The Government of NCT of Delhi released the official eligibility conditions, application workflow, document checklist, and beneficiary verification guidelines for the Laxmi Yojana.
• 14 July 2026: The Government of NCT of Delhi finalised the eligibility criteria, including a minimum 10-year Delhi residence, annual family income of up to ₹2.50 lakh, eligibility of only the eldest woman in the family, restriction on four-wheeler ownership, and other prescribed conditions.
• 13 July 2026: Chief Minister Rekha Gupta officially renamed the scheme from Mahila Samriddhi Yojana to Laxmi Yojana during a high-level review meeting held at the Delhi Secretariat.
• 08 March 2026: The Government of NCT of Delhi approved the scheme on the occasion of International Women’s Day and announced a budget allocation of ₹5,100 crore for its implementation.

Benefits Provided to Eligible Beneficiaries

Under the Laxmi Yojana, the Government of the NCT of Delhi has announced the following financial assistance for eligible women:

• Financial assistance of Rs. 2,500 per month.
• Total annual assistance of Rs. 30,000.
• Amount to be transferred directly to the beneficiary’s Aadhaar-linked bank account through Direct Benefit Transfer (DBT).
• A budget of Rs. 5,110 crore has been allocated for the scheme in FY 2026-27.
• Around 17 lakh women are expected to benefit after the scheme becomes operational.

Eligibility Conditions Required to be Fulfilled

As per the eligibility criteria officially finalised by the Government of NCT of Delhi on 14 July 2026, applicants must fulfil the following conditions to receive the financial assistance under Laxmi Yojana:

• Must be a resident of Delhi or whose family has been residing in Delhi for at least 10 years
• Age should be between 21 and 60 years
• Must belong to a BPL or EWS family
• Annual family income should not exceed Rs. 2.5 lakh
• Must possess a valid Aadhaar Card  and Voter ID Card with a Delhi address
• Only one woman per family is eligible; the eldest eligible woman in the family will receive the benefit
• No member of the family should be a government employee or an income tax payer
• Neither the applicant nor any member of her family should have a criminal record

Who Is Not Eligible for Laxmi Yojana

• Women below 21 years or above 60 years of age
• Applicants whose annual family income exceeds Rs. 2.5 lakh
• Families that own a four-wheeler
• Women already receiving a government pension or any other regular financial assistance
• Women or families with a criminal record
• Families having a government employee or an income tax payer
• Applicants without a Delhi-based Aadhaar number
• Women who have more than 3 living children
• Families whose annual electricity consumption is more than 2400 Units

Note: Women receiving benefits under PDS (ration card) or Ayushman Bharat are eligible and will not be excluded as per the Government’s official clarification.

Documents Required to be Attached

The Government of NCT of Delhi has not yet released the final document checklist for Laxmi Yojana. However, applicants should keep the following documents ready, as these are expected to be required when the registration portal becomes operational.

• For Residential Proof:-
  • Voter Identity Card of Delhi.
  • Ration Card.
  • Driving License.
  • Electricity or Gas Connection Bill.
• For Age Proof:-
  • Birth Certificate.
  • School Leaving Certificate.
  • Class 10th Certificate.
  • Driving License.
  • PAN Card.
  • Aadhaar Card.
  • Voter Identity Card.
• Mandatory Documents:-
  • Aadhaar Card.
  • Voter Identity Card or any other valid proof of residence in Delhi.
  • BPL Ration Card, wherever applicable.
  • Bank passbook of an Aadhaar-linked bank account.
  • Recent passport-size photograph.
  • Recommendation from MP/ MLA of the Constituency.

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

The Laxmi Yojana application process is now available through the official online portal developed by the Women and Child Development Department, Government of NCT of Delhi. Applicants need to complete Aadhaar authentication, register on the portal, fill out the online application form, upload the required documents, and submit the application for verification. The complete process is explained below.

Step 1: Visit the official Laxmi Yojana Portal. On the homepage, click the “Apply” or “Click to Apply for Scheme” option to open the Citizen Login page.

Step 2: If you are a new applicant, select the “Register Now” option. Enter your Aadhaar Number, Name, Date of Birth, and the security captcha exactly as recorded in your Aadhaar. The portal will verify these details before allowing registration.

Step 3: After successful Aadhaar authentication, complete the registration process and sign in to the portal using your newly created account. Existing users can directly log in through the Citizen Login page.

Step 4: Begin the online application by answering all eligibility questions. The portal checks whether you satisfy the prescribed conditions before allowing you to continue with the remaining application.

Step 5: Fill in your personal information carefully, including Aadhaar details and other basic information. Then provide the details of all required family members exactly as asked in the application form.

Step 6: Enter your Aadhaar-linked bank account details carefully, as the monthly financial assistance under the Laxmi Yojana is transferred directly through the Direct Benefit Transfer (DBT) system.

Step 7: Upload all mandatory documents in the prescribed format, including identity proof, residence proof, age proof, photograph, signature, and other supporting documents required by the Department.

Step 8: Review every detail entered in the application form. If all information is correct, submit the application online for departmental verification.

Step 9: After submitting the application, upload the signed MP/ MLA Endorsement Letter, which is a mandatory requirement under the online application process.

Step 10: Once the application is submitted successfully, download and save the acknowledgement receipt. Keep this receipt safely, as it may be required while checking the application status or during further verification.

Eligible Banks for Receiving Delhi Laxmi Yojana Benefits

Women selected under the Delhi Government’s Laxmi Yojana (DLY) must maintain an active bank account with a bank that is integrated with the Government-approved Central Bank Digital Currency (CBDC) framework. Financial assistance under the scheme will be transferred only through eligible banking institutions notified by the Government.

• The beneficiary’s bank account should be active and held in any one of the following approved banks :-
  • HDFC Bank
  • Punjab National Bank (PNB)
  • Bank of Maharashtra
  • ICICI Bank
  • Union Bank of India
  • Canara Bank
  • Kotak Mahindra Bank
  • Indian Bank
  • Axis Bank
  • Bank of Baroda
  • IDBI Bank
  • Federal Bank
  • State Bank of India (SBI)
  • IndusInd Bank
  • Bank of India
  • YES BANK
  • Karnataka Bank
  • IDFC FIRST Bank
  • UCO Bank

Note: If an applicant does not have an account in any of the above-listed banks, she may need to open a new account before the benefit disbursement process begins. The account should remain operational and linked to the beneficiary’s scheme records to ensure smooth transfer of financial assistance.

How Will the ₹2,500 Payment Be Released Under Delhi Laxmi Yojana?

Many women believe that the ₹2,500 monthly assistance under the Delhi Laxmi Yojana will be deposited directly into their bank accounts every month. However, the payment options currently available on the official application portal work differently. While filling out the online application, every applicant has to choose one of the available payment options.

The portal currently provides the following payment options:

• Option 1: The entire ₹2,500 per month is deposited into a Recurring Deposit (RD) or Fixed Deposit (FD) account. The deposit remains locked for a fixed period of three years. After the lock-in period ends, the accumulated amount is credited to the beneficiary’s CBDC Wallet.
• What does this mean? If you choose this option, you will not receive any monthly spending amount. Instead, the full ₹2,500 is saved every month in your RD/FD account, allowing a larger amount to accumulate over three years before it becomes available.
• Option 2: Out of the monthly assistance, ₹1,500 is deposited into an RD/FD account with a three-year lock-in period, while the remaining ₹1,000 is credited every month to your CBDC Wallet.
• What does this mean? Under this option, a part of the assistance continues to build long-term savings, while you also receive ₹1,000 every month in your CBDC Wallet, which can be used according to the Digital Rupee services available through the wallet.

In simple words, the first option focuses completely on long-term savings, whereas the second option divides the monthly assistance between savings and monthly digital spending. Applicants should read both options carefully before making their selection on the portal.

During registration, applicants will also notice a question asking whether they have a smartphone for using a CBDC Wallet. This is because both payment options involve the use of a CBDC Wallet at some stage.

Important: The above payment mechanism is based on the current Delhi Laxmi Yojana application form. If the Delhi Government revises the payment process or introduces additional guidelines in the future, this page will be updated with the latest information.

What is a CBDC Wallet and Why Is It Required Under Delhi Laxmi Yojana?

After launching the online application portal, one question has confused many applicants: “What is a CBDC Wallet?” This is because the Delhi Laxmi Yojana application form asks applicants to choose a payment option that includes a CBDC Wallet, and also asks whether they have a smartphone to use it.

CBDC stands for Central Bank Digital Currency. In India, it refers to the Digital Rupee (e₹) issued by the Reserve Bank of India (RBI). A CBDC Wallet is a digital wallet that stores Digital Rupee electronically, allowing users to receive and use money digitally in a secure manner.

Under the current Delhi Laxmi Yojana payment options, beneficiaries may receive a part of their monthly financial assistance or the maturity amount of their three-year RD/FD deposit through a CBDC Wallet instead of receiving the entire amount directly into a bank account. This is the reason the application form asks applicants whether they have a smartphone capable of using a CBDC Wallet.

Many applicants are also searching for “How to create a CBDC Wallet for Delhi Laxmi Yojana”. At present, the Delhi Government has not issued any separate official guidelines explaining the registration process, the supported mobile application, or the participating bank through which beneficiaries should create their CBDC Wallet. Therefore, applicants do not need to create the wallet separately unless further instructions are issued by the Government.

Important: As soon as the Delhi Government releases the official CBDC Wallet registration process or specifies the authorised bank or mobile application, this page will be updated with a complete step-by-step guide for beneficiaries.

How to Create a CBDC Wallet for Delhi Laxmi Yojana?

Many applicants are searching for “How to create a CBDC Wallet?” after noticing that the Delhi Laxmi Yojana application form includes payment options linked to a CBDC Wallet. Although the Delhi Government has not yet issued separate instructions for beneficiaries, creating a CBDC Wallet is generally a simple process through participating banks.

The exact process may vary slightly from one bank to another, but it usually involves the following steps:

Step 1: Open the official mobile banking application of your bank or log in to your Internet Banking account. If your bank supports the Digital Rupee (e₹), look for the CBDC, Digital Rupee, or e₹ Wallet option.

Step 2: Complete the registration process by verifying your mobile number and other details as required by your bank.

Step 3: Follow the on-screen instructions to activate your CBDC Wallet. Some banks may require Aadhaar or PAN verification before activating the wallet.

Step 4: Once the wallet is activated successfully, you can receive and use the Digital Rupee (e₹) through the wallet as per the services offered by your bank.

Important: The Delhi Government has not yet announced which banks or mobile applications beneficiaries should use specifically for the Delhi Laxmi Yojana. Applicants should therefore wait for the official guidelines. Once the Government releases bank-wise instructions or a dedicated registration process, this page will be updated with the latest information.

How to Track Delhi Laxmi Yojana Application Status?

Applicants who have already submitted their application can check the latest status online without visiting any government office.

Step 1: Open the official Laxmi Yojana Portal and click on the “Track Application” option available on the homepage.

Step 2: Enter your Registered Mobile Number, Date of Birth, and the security captcha displayed on the screen.

Step 3: Click on the “Track Application” button to view the current status of your application.

Step 4: The portal will display the latest status of your application along with any pending verification or further action, if required.

Note: Applicants should always use the official Delhi Laxmi Yojana Portal for registration, application submission, and application tracking. Avoid sharing Aadhaar details or personal information on any unofficial website or mobile application.

Important Links Available

The following official links will help applicants register for the Laxmi Yojana, track their applications, verify the latest eligibility conditions, and access authentic information released by the Government of NCT of Delhi.

• Delhi Laxmi Yojana Official Application Portal
• Delhi Laxmi Yojana Online Apply/Registration
• Official Eligibility Conditions and Document Guidelines (PDF)
• Women and Child Development Department, Government of NCT of Delhi
• Government of NCT of Delhi Official Portal
• Delhi e-District Portal

Note: The official Delhi Laxmi Yojana online portal is now operational. Eligible women can complete Aadhaar-based registration, submit the online application, upload the required documents, and track their application status through the official portal. Applicants should rely only on Government websites and avoid unofficial portals or third-party mobile applications.

Contact Details in Case of Help Needed

Applicants facing any difficulty while registering, submitting the online application, uploading documents, or tracking the status of their Laxmi Yojana application may contact the Department of Women and Child Development through the following official channels.

• Department: Women and Child Development Department, Government of NCT of Delhi
• Office Address: Maharana Pratap ISBT Building, Kashmere Gate, Delhi – 110006
• Telephone: 011-23070378, 011-23380513
• Email: wcd@nic.in
• Official Application Portal: dly.delhi.gov.in
• Department Website: wcd.delhi.gov.in

Important: The Department has not announced a separate scheme-specific helpline for the Laxmi Yojana. Until such a facility is introduced, applicants should use the above official contact details for registration, eligibility, document verification, and other scheme-related enquiries.

Frequently Asked Questions (FAQs)

Q. What is Delhi Laxmi Yojana?

Ans. Delhi Laxmi Yojana, earlier announced as Mahila Samriddhi Yojana, is a financial assistance scheme of the Government of NCT of Delhi. Under the scheme, eligible women receive ₹2,500 per month through the Direct Benefit Transfer (DBT) system after their applications are successfully verified.

Q. Is Delhi Laxmi Yojana and Mahila Samriddhi Yojana the same scheme?

Ans. Yes. The scheme was initially announced as Mahila Samriddhi Yojana and is now officially being implemented as the Laxmi Yojana.

Q. Who is eligible to apply for Delhi Laxmi Yojana?

Ans. Women aged 21 to 60 years who fulfil all the notified eligibility conditions, including Delhi residence, annual family income limit, voter registration, electricity consumption, and other prescribed criteria, can apply for the scheme.

Q. Can more than one woman from the same family receive the benefit?

Ans. No. Only one eligible woman from a family can receive the benefit. As per the official eligibility conditions, preference is given to the eldest eligible woman in the family.

Q. Are women receiving benefits under PDS or Ayushman Bharat eligible?

Ans. Yes. Receiving benefits under the Public Distribution System (PDS) or Ayushman Bharat does not automatically make an applicant ineligible, provided all other eligibility conditions of the scheme are fulfilled.

Q. How can I apply for Delhi Laxmi Yojana?

Ans. Eligible applicants can apply through the official Laxmi Yojana Portal by completing Aadhaar authentication, registering online, filling out the application form, uploading the required documents, and submitting the signed MP/MLA endorsement letter.

Q. How can I check my Laxmi Yojana application status?

Ans. Applicants can track their application online through the official portal using their registered mobile number and date of birth. The portal displays the latest status of the application after submission.

Q. Is there any application fee for Delhi Laxmi Yojana?

Ans. No. The Government has not prescribed any application fee for submitting an application under the Laxmi Yojana.

Q. What is the budget allocated for Laxmi Yojana?

Ans. The Government of NCT of Delhi has earmarked ₹5,100 crore in the 2026-27 Budget for implementing the Laxmi Yojana.

Tabassum

Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.