Gruha Lakshmi Scheme Karnataka — ₹2,000/Month for Women, Apply Online

What is Gruha Lakshmi Scheme? (ಗೃಹ ಲಕ್ಷ್ಮಿ ಯೋಜನೆ)

Gruha Lakshmi is a flagship welfare scheme by the Government of Karnataka that provides ₹2,000 per month to the woman head of every household in the state. It is one of the five guarantee schemes introduced by the Karnataka government to support women financially and promote their empowerment.

The amount is transferred directly to the beneficiary's bank account (DBT) every month.

Who is Eligible?

To receive benefits under the Gruha Lakshmi scheme, you must meet all of the following criteria:

• Woman head of household — the applicant must be a woman recognized as the head of the family
• Karnataka domicile — must be a permanent resident of Karnataka
• Valid ration card — the applicant's name must appear on a BPL (Below Poverty Line) or APL (Above Poverty Line) ration card. You will need a ration card to apply
• One beneficiary per household — only one woman per ration card/household can avail the benefit
• Age — applicant must be 18 years or above
• Not a government employee — women employed in government or semi-government organizations are generally excluded
• Not an income tax payee — households where any member is an income tax assessee may not be eligible

Documents Required

Keep the following documents ready before applying:

• Ration Card (BPL or APL) — mandatory
• Aadhaar Card of the applicant
• Bank Account Details — passbook or cancelled cheque (account must be in the woman's name)
• Mobile Number linked to Aadhaar (for OTP verification)
• Passport-size Photograph
• Caste/Category Certificate (if applicable)
• Voter ID / Domicile Proof (to prove Karnataka residency)

How to Apply Online (Seva Sindhu Portal)

Follow these steps to apply through the official Seva Sindhu portal:

1. Visit the portal — Go to sevasindhu.karnataka.gov.in or gruhalakshmi.karnataka.gov.in
2. Register / Login — Create an account using your mobile number and Aadhaar, or log in if you already have an account
3. Select Gruha Lakshmi Scheme — Navigate to the scheme section and select "Gruha Lakshmi Yojane"
4. Enter Ration Card Number — Provide your ration card number for auto-verification
5. Fill Application Form — Enter personal details, bank account information, and Aadhaar number
6. Upload Documents — Upload scanned copies of required documents (ration card, Aadhaar, bank passbook, photo)
7. Verify via OTP — An OTP will be sent to your registered mobile number for verification
8. Submit Application — Review all details and submit the application
9. Note Application Number — Save the application/reference number for future tracking

How to Apply Offline

If you are unable to apply online, you can apply through offline mode:

1. Visit your nearest Grama One / Bangalore One / Nadakacheri centre or the Taluk office
2. Collect the Gruha Lakshmi application form
3. Fill the form with accurate details
4. Attach photocopies of all required documents
5. Submit the completed form to the centre staff
6. Collect the acknowledgement receipt with your application number

Tip: Many gram panchayat offices and women's self-help groups also assist with filling out applications.

How to Check Application Status

1. Visit sevasindhu.karnataka.gov.in
2. Click on "Track Application" or "Check Status"
3. Enter your application/reference number or ration card number
4. View the current status of your application (pending, approved, rejected)

You can also check status by calling the Karnataka helpline: 080-44554455.

Payment Details

• Amount: ₹2,000 per month
• Mode: Direct Benefit Transfer (DBT) to bank account
• Frequency: Monthly (credited around the first week of each month)
• Annual Total: ₹24,000 per year per eligible household

Ensure your bank account is linked to Aadhaar and active. Inactive or dormant accounts may cause payment delays.

Important Tips

• ✅ Make sure only one application is submitted per household/ration card
• ✅ Keep your Aadhaar linked to your bank account for smooth DBT transfers
• ✅ Ensure your mobile number is updated in Aadhaar for OTP verification
• ✅ If your ration card is in a family member's name, get it updated to include your name as head of household
• ✅ Check your bank account regularly — payment dates may vary slightly each month
• ⚠️ Beware of fraudulent websites — apply only through official government portals
• ⚠️ There is no application fee — do not pay any middlemen or agents

Frequently Asked Questions (FAQs)

Can both BPL and APL ration card holders apply?

Yes. The Gruha Lakshmi scheme is available for both BPL and APL ration card holders. The woman head of household from any category can apply.

What if I don't have a ration card?

A ration card is mandatory for this scheme. You must first apply for a ration card and then apply for Gruha Lakshmi.

Can more than one woman in the same household receive the benefit?

No. Only one woman per household (per ration card) is eligible. The benefit is linked to the ration card, not individual applicants.

When will I start receiving payments after applying?

After your application is verified and approved, payments typically begin within 1–2 months. You will receive an SMS notification once the first payment is credited.

What if my application is rejected?

Check the reason for rejection on the Seva Sindhu portal. Common reasons include mismatched Aadhaar details, invalid ration card, or duplicate applications. Correct the errors and reapply.

Is the scheme available for women in urban areas?

Yes. The Gruha Lakshmi scheme covers both rural and urban households across Karnataka.