To strengthen the financial security of women from economically weaker families, the Government of the National Capital Territory (NCT) of Delhi has launched the Lakshmi Yojana. Under this scheme, eligible women receive ₹2,500 per month through the Direct Benefit Transfer (DBT) system, with the amount credited directly into their Aadhaar-linked bank accounts after successful verification of their applications.
For the financial year 2026-27, the Delhi Government has allocated ₹5,100 crore for implementing the scheme. The Department of Women and Child Development has also launched the official online application portal, where eligible applicants can complete Aadhaar authentication, register, submit the online application form, upload the prescribed documents, and track their application status. The scheme is implemented entirely through the official online platform to ensure a transparent and paperless application process.
Delhi Lakshmi Yojana Highlights | |
|---|---|
| Scheme Name | Delhi Lakshmi Yojana |
| Earlier Name | Mahila Samriddhi Yojana |
| Implementing Department | Women and Child Development Department, Government of NCT of Delhi |
| Financial Assistance | ₹2,500 per month |
| Mode of Benefit Transfer | Direct Benefit Transfer (DBT) |
| Budget Allocation | ₹5,100 crore (FY 2026-27) |
| Eligible Age | 21 to 60 years |
| Annual Family Income Limit | Up to ₹2.50 lakh |
| Minimum Residence Requirement | At least 10 years in Delhi |
| Registration Status | Online Applications Open |
| Application Mode | Online |
| Official Portal | dly.delhi.gov.in |
| Department Website | wcd.delhi.gov.in |
Introduction of Delhi Lakshmi Yojana: A Brief Insight
The Delhi Lakshmi Yojana is a flagship financial assistance scheme launched by the Government of the National Capital Territory (NCT) of Delhi to provide monthly financial support to eligible women from economically weaker families. Initially announced as Mahila Samriddhi Yojana, the scheme is now being implemented under its official name, Lakshmi Yojana, through the Department of Women and Child Development. The Government has also launched the official online application portal, allowing eligible women to register, submit applications, upload documents, and track their application status online.
Under the scheme, every approved beneficiary receives ₹2,500 per month through the Direct Benefit Transfer (DBT) system. The financial assistance is credited directly to the beneficiary’s Aadhaar-linked bank account after successful verification of the application and supporting documents. To ensure smooth implementation of the scheme, the Delhi Government has earmarked ₹5,100 crore in the 2026-27 Budget.
To receive the benefit, applicants must satisfy all the eligibility conditions prescribed by the Government. These include age, annual family income, Delhi residence, voter registration, electricity consumption, family status, and other verification requirements notified by the Department. The application is approved only after successful verification of the information and documents submitted by the applicant.
The entire application process is now available online through the official Delhi Lakshmi Yojana Portal. Applicants first need to complete Aadhaar authentication, register on the portal, fill in their personal, family, and bank account details, upload the prescribed documents, submit the signed MP/MLA endorsement letter, and finally download the acknowledgement receipt. They can also track the status of their application online using their registered mobile number and date of birth.
Besides the Delhi Lakshmi Yojana, the Delhi Government runs several welfare initiatives for women, children, students, senior citizens, and economically weaker sections. Readers may also explore the Lakhpati Bitiya Yojana for girl children, the Saheli Pink Smart Card Scheme for free bus travel, and our dedicated page on Delhi Government Welfare Schemes to learn about other welfare programmes currently available in Delhi.
Benefits Provided to Eligible Beneficiaries
The Lakshmi Yojana has been introduced to provide monthly financial assistance to eligible women from economically weaker families in Delhi. Instead of offering a one-time grant, the scheme proposes continuous financial support through Direct Benefit Transfer (DBT), enabling beneficiaries to use the amount according to their household requirements.
- Every approved beneficiary will receive Rs. 2,500 each month under the scheme.
- The monthly assistance adds up to Rs. 30,000 in a financial year.
- The Government will deposit the sanctioned amount directly into the beneficiary’s Aadhaar-seeded bank account through the DBT mechanism.
- The Delhi Government has set aside Rs. 5,110 crore in the 2026-27 Budget for implementing the scheme.
- The financial support can help eligible women manage routine household expenses and improve their financial independence.
- Only applications approved after document verification and eligibility scrutiny will receive the monthly financial assistance.
Eligibility Conditions Required to be Fulfilled
The Government of the National Capital Territory (NCT) of Delhi has prescribed specific conditions for women seeking financial assistance under the Lakshmi Yojana. Applicants must satisfy every mandatory requirement during the verification process. Meeting only some of the conditions will not make an applicant eligible for the scheme.
- The applicant must belong to a BPL or EWS household.
- The combined annual income of the family should remain below Rs. 2.5 lakh.
- Only a woman who is 21 years or above but has not completed 60 years of age can apply.
- The family should have been residing in Delhi for at least 10 years before submitting the application.
- The applicant must possess a valid Aadhaar Card along with a Voter ID Card reflecting her Delhi address.
- The benefit will be sanctioned to only one eligible woman from a family. If multiple women qualify, preference will be given to the eldest eligible member.
- No person in the applicant’s family should be serving as a Government employee or paying Income Tax.
- The applicant’s family must fulfil all other verification requirements notified by the Women and Child Development Department.
Applications Liable to Be Rejected
The department may reject an application if the applicant falls under any of the following categories during document verification.
- The applicant is below 21 years or has already attained the age of 60 years.
- The family’s yearly income is more than Rs. 2.5 lakh.
- The household owns a private four-wheeler.
- The family includes a Government employee or an Income Tax payer.
- The applicant receives a Government pension or any other recurring financial assistance that is not permitted under the scheme.
- The prescribed 10-year residence condition in Delhi is not fulfilled.
- The applicant has more than three living children.
- The household consumes more than 2,400 units of electricity in a year.
- The applicant fails to produce the required documents or does not satisfy the verification process prescribed by the competent authority.
Important: Receiving benefits under the Public Distribution System (PDS) or Ayushman Bharat does not automatically disqualify an applicant. Such women can also apply, provided they satisfy all other eligibility conditions notified by the Government.
Documents Required to be Attached
The Women and Child Development Department has notified the documents that applicants may need while applying for the Delhi Lakshmi Yojana. During the registration and verification process, applicants should ensure that all supporting documents are valid, updated, and match the information provided in the application form.
- Identity Proof
- Proof of Residence in Delhi
(Any One)- Voter ID Card showing a Delhi address.
- Delhi Ration Card, wherever applicable.
- Driving Licence.
- Electricity Bill or Domestic Gas Connection Bill.
- Age Verification Documents
(Any One)- Birth Certificate.
- Class 10 Marksheet or Certificate.
- School Leaving Certificate.
- Driving Licence.
- PAN Card.
- Financial and Other Supporting Documents
- Bank Passbook of an Aadhaar-linked savings account.
- Recent passport-size photograph.
- BPL or EWS-related documents, wherever applicable.
- Recommendation issued by the local MP or MLA of the concerned constituency.
Note: The competent authority may ask applicants to submit additional documents during scrutiny if required. Therefore, applicants should keep the original documents ready until the verification process is completed.
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
The Delhi Government has started the online registration process for the Delhi Lakshmi Yojana through the official portal of the Department of Women and Child Development. Eligible women can complete the entire application process online by registering themselves, logging into the portal, filling out the application form, uploading the required documents, and submitting the application for verification.
Step 1: Visit the official Delhi Lakshmi Yojana Portal. On the homepage, click the “Apply” or “Click to Apply for Scheme” button to open the Citizen Login page.
Step 2: If you are applying for the first time, click on the “Register Now” option available on the Citizen Login page.
Step 3: Enter your Aadhaar Number, Name, Date of Birth, and the security captcha exactly as they appear on your Aadhaar Card. After entering the details, submit the registration request.
Step 4: The portal will verify your Aadhaar details. Only applicants whose Aadhaar records are successfully authenticated can complete the registration process. After successful verification, create your account and proceed to the login page.
Step 5: Log in to the Delhi Lakshmi Yojana portal using your registered credentials to start filling out the online application form.
Step 6: First, answer all the eligibility questions displayed on the portal. The system will verify whether you fulfil the prescribed eligibility conditions before allowing you to continue with the application.
Step 7: Fill in your personal details carefully, including your Aadhaar information and other basic details exactly as required in the application form.
Step 8: Enter the details of all required family members and provide your Aadhaar-linked bank account details, as the monthly financial assistance will be transferred through the Direct Benefit Transfer (DBT) system.
Step 9: Upload all the prescribed documents in the required format, including identity proof, residence proof, age proof, photograph, signature, and other supporting documents specified by the Department.
Step 10: Preview the complete application carefully and verify that every detail entered is correct. If everything is accurate, submit the application online.
Step 11: After submitting the application, upload the signed MP/MLA Endorsement Letter as required by the portal to complete the application process.
Step 12: Finally, download and save the acknowledgement receipt generated by the portal. Keep it safely, as it may be required while tracking your application or during the verification process.
How to Track Delhi Lakshmi Yojana Application Status?
Applicants who have already submitted their application can easily check its status through the official Delhi Lakshmi Yojana portal by following the steps below.
Step 1: Visit the official Delhi Lakshmi 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 latest status of your application.
Step 4: The portal will display your current application status along with any pending action or verification, if applicable.
Important: Keep your registered mobile number active, as it is required for tracking your application and may also be used by the Department for future communication regarding verification or approval.
How Will Beneficiaries Receive the ₹2,500 Monthly Assistance Under Delhi Lakshmi Yojana?
One of the most common questions applicants are asking is whether the ₹2,500 monthly financial assistance will be deposited directly into their bank account every month. According to the payment options currently available on the official Delhi Lakshmi Yojana application portal, beneficiaries need to choose one of the available payment methods while submitting their application.
At present, the portal offers the following payment options:
- Payment Option 1: The entire ₹2,500 per month is credited into a Recurring Deposit (RD) or Fixed Deposit (FD) account opened for the beneficiary. The deposited amount remains locked for a fixed period of three years. After the completion of the lock-in period, the accumulated amount is transferred to the beneficiary’s CBDC Wallet.
- How does this option work? Under this option, the monthly assistance is treated entirely as a long-term savings amount. Since the money remains in the RD/FD account for three years, beneficiaries do not receive any monthly amount for immediate use. Instead, they receive the accumulated savings after the maturity period.
- Payment Option 2: Out of the total monthly assistance, ₹1,500 is deposited into the RD/FD account, while the remaining ₹1,000 is credited every month to the beneficiary’s CBDC Wallet.
- How does this option work? This option divides the monthly assistance into two parts. One portion continues to build long-term savings in the RD/FD account, whereas the remaining ₹1,000 becomes available every month through the CBDC Wallet, allowing beneficiaries to use part of the financial assistance without waiting for the maturity period.
In simple terms, the first payment option is designed for beneficiaries who prefer to accumulate the entire assistance as savings, whereas the second option provides a combination of long-term savings and monthly digital access to a part of the benefit. Applicants should carefully understand both options before making their selection on the application portal.
The application form also asks whether the applicant has a smartphone capable of using a CBDC Wallet. This question is included because the payment mechanism currently available on the portal uses a CBDC Wallet under both payment options.
Important: The payment mechanism explained above is based on the options currently displayed on the official Delhi Lakshmi Yojana application portal. If the Delhi Government revises the payment process or introduces additional payment options in the future, this article will be updated with the latest official information.
What is a CBDC Wallet and Why Is It Important for Delhi Lakshmi Yojana?
After the launch of the Delhi Lakshmi Yojana portal, another question that many applicants are asking is, “What is a CBDC Wallet?” This is because the application form allows beneficiaries to choose payment options that involve a CBDC Wallet and also asks whether they have a smartphone for using 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). Unlike money stored in a regular bank account, a CBDC Wallet stores Digital Rupee electronically and allows users to make digital transactions using the amount available in the wallet.
The current Delhi Lakshmi Yojana application portal includes payment options under which either a part of the monthly financial assistance or the maturity amount of the beneficiary’s RD/FD deposit is transferred through a CBDC Wallet. Therefore, applicants should understand that the wallet forms an important part of the payment process under the scheme.
To support this payment mechanism, the application form also asks whether the applicant has access to a smartphone. A smartphone is generally required because the Digital Rupee Wallet is designed to operate through authorised banking applications or other approved digital platforms.
Many applicants are also searching for information about whether they need to create a CBDC Wallet before submitting the application. At present, the Delhi Government has not issued any separate notification specifying the authorised bank, mobile application, or registration procedure that Lakshmi Yojana beneficiaries should follow. Applicants should therefore continue with the application process as per the official portal and wait for further instructions regarding wallet activation, if required.
Important: Once the Delhi Government releases detailed guidelines explaining how beneficiaries should activate or use their CBDC Wallet for receiving payments under the scheme, this article will be updated with the official step-by-step process.
How to Create a CBDC Wallet for Delhi Lakshmi Yojana?
After seeing the payment options available on the Delhi Lakshmi Yojana application portal, many applicants are searching for “How to create a CBDC Wallet?” Although the Delhi Government has not yet issued a dedicated registration process for Lakshmi Yojana beneficiaries, CBDC Wallets are generally offered by banks that support the Digital Rupee (e₹) initiative of the Reserve Bank of India.
While the exact procedure may differ from one bank to another, the registration process usually follows these steps:
Step 1: Install your bank’s official Mobile Banking App on your smartphone or sign in to your Internet Banking account. If your bank provides Digital Rupee services, look for options such as CBDC, Digital Rupee, or e₹ Wallet.
Step 2: Complete the registration process by verifying your mobile number and any other details requested by the bank. Depending on the bank’s policy, additional identity verification may also be required.
Step 3: Follow the instructions displayed on the screen to activate your CBDC Wallet. Once the activation process is completed successfully, your wallet will be ready to receive and store Digital Rupee (e₹).
Step 4: After activation, you can use the Digital Rupee available in your CBDC Wallet according to the facilities provided by your bank, including receiving payments wherever applicable.
Important: The Delhi Government has not yet announced which participating banks or mobile applications Lakshmi Yojana beneficiaries should use for creating a CBDC Wallet. Therefore, applicants should wait for the official instructions before opening a wallet specifically for the scheme. As soon as the Government releases the authorised registration process, this article will be updated with complete step-by-step guidance.
Important Links Available
- Delhi Lakshmi Yojana Official Application Portal
- Delhi Lakshmi Yojana Online Registration/ Apply
- Official Eligibility Criteria & Document Guidelines (PDF)
- Women and Child Development Department, Government of NCT of Delhi
- Official Portal of the Government of NCT of Delhi
Note: The Delhi Government has activated the official Delhi Lakshmi Yojana application portal. Eligible women can register, submit their online application, upload the required documents, track their application status, and check official updates through the portal and the Women and Child Development Department’s website.
Contact Details in Case of Help Needed
Applicants seeking information related to the Delhi Lakshmi Yojana may contact the Women and Child Development Department, Government of NCT of Delhi 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 (Near Kashmere Gate Metro Station Gate No. 7)
- Telephone: 011-23070378, 011-23380513
- Email: wcd@nic.in
- Grievance Portal: Delhi CM Jansunwai Portal
Important: The Delhi Government has not announced a separate helpline for the Delhi Lakshmi Yojana. Applicants may contact the Women and Child Development Department or submit grievances through the official Delhi CM Jansunwai Portal for assistance related to the scheme.
Frequently Asked Questions (FAQs)
Q. What is the Delhi Government’s Lakshmi Yojana?
Ans. Delhi Lakshmi Yojana is a financial assistance scheme launched by the Government of NCT of Delhi. Under the scheme, eligible women receive ₹2,500 per month through the Direct Benefit Transfer (DBT) system after successful verification and approval of their applications.
Q. Is Delhi Lakshmi Yojana a new scheme?
Ans. Yes. The scheme was initially announced as Mahila Samriddhi Yojana. The Delhi Government has now officially launched it under the name Delhi Lakshmi Yojana.
Q. Who can become a beneficiary under Lakshmi Yojana?
Ans. Women aged between 21 and 60 years who fulfil all the eligibility conditions prescribed by the Government, including income, residence, voter registration, and other verification requirements, can apply for the scheme.
Q. Has the Delhi Government started accepting applications?
Ans. Yes. The Delhi Government has launched the official online application portal. Eligible women can register, complete the application form, upload the required documents, and submit their applications through the official portal of the Department of Women and Child Development.
Q. How will beneficiaries receive the financial assistance?
Ans. After successful verification and approval, the monthly financial assistance will be transferred directly to the beneficiary’s Aadhaar-linked bank account through the DBT system.
Q. Can more than one woman from the same family receive the benefit?
Ans. No. Only one eligible woman from a family can receive benefits under the scheme. Preference is given to the eldest eligible female member of the family.
Q. Will women receiving benefits under PDS or Ayushman Bharat be disqualified?
Ans. No. Receiving benefits under the Public Distribution System (PDS) or Ayushman Bharat does not automatically make an applicant ineligible, provided all other eligibility conditions prescribed under the scheme are fulfilled.
Q. How can applicants track the status of their application?
Ans. Applicants can track their application status through the official Delhi Lakshmi Yojana portal by entering their registered mobile number, date of birth, and the security captcha.
Q. Is Aadhaar mandatory for registration?
Ans. Yes. Registration requires Aadhaar authentication. Applicants must provide their Aadhaar number, Aadhaar-linked personal details, and complete the verification process before proceeding with the online application.
Q. Is there any application fee for Lakshmi Yojana?
Ans. No. The Delhi Government has not prescribed any application fee for registration or submission of applications under the Delhi Lakshmi Yojana.
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.