UP BC Sakhi Yojana — ₹4,000/Month Banking Stipend

What is UP BC Sakhi Yojana?

Uttar Pradesh Banking Correspondent Sakhi Yojana (BC Sakhi) is the UP government's scheme to appoint rural women as Banking Correspondents (BCs) — essentially mobile bank branches that bring financial services to the doorstep of rural households in UP villages.

Each "BC Sakhi" carries a smartphone with banking app, biometric device, and processes banking transactions (deposits, withdrawals, balance enquiries, PMJDY transactions, NREGA wages, DBT payments) directly in the village — eliminating the need for villagers to travel to the nearest bank branch.

Key benefits for the BC Sakhi:

• ₹4,000/month stipend for first 6 months (to cover setup period)
• Commission income on every transaction processed — sustainable long-term income
• Free smartphone and equipment
• ₹50,000 digital device support from BIPAHS (UP government)
• Formal employment with social recognition

Who is Eligible to be a BC Sakhi?

• Must be a woman from the village
• Aged 18 to 50 years
• Must be a member of a Gram Panchayat in UP
• Should have passed Class 10 (Matric)
• Must be literate with basic smartphone/digital skills (or willing to learn)
• Preference given to: Women already in Self Help Groups (SHGs), women trained in digital literacy, women from NRLM

Income for BC Sakhi

Commission structure (on transactions):

• Withdrawal: ₹1–2 per ₹1,000
• Deposit: ₹1–2 per ₹1,000
• NREGA payment, DBT disbursement: higher commissions
• Typical earning: ₹5,000–₹10,000/month after 6 months (depends on transaction volume)

How to Apply

Step 1: Contact Your Gram Panchayat or SRLM

1. Visit your Gram Panchayat office or Block SRLM (State Rural Livelihood Mission) office
2. Ask about BC Sakhi vacancies in your Gram Panchayat
3. Each Gram Panchayat is allotted 1 BC Sakhi post

Step 2: Online Application via UP SRLM

1. Go to upsrlm.org
2. Look for "BC Sakhi" under schemes or empowerment programmes
3. Register with your details
4. Selection is done at the Block level through a local interview/assessment

Step 3: Training

Selected BC Sakhis undergo:

• Digital banking training (2–3 weeks)
• Bank Mitra certification process
• Hands-on training with banking app, biometric, and transaction processes

After training:

• BC Sakhi is linked to a partner bank (Bank of Baroda, SBI, or other)
• Receives smartphone, biometric device, and banking kit
• Starts operating from her village

Documents Required for Application

1. Aadhaar card
2. Class 10 certificate (education proof)
3. SHG membership certificate (if applicable)
4. Bank account in own name
5. Voter ID / Residence proof from the same Gram Panchayat
6. Passport-size photograph

BC Sakhi Services Provided

A BC Sakhi can provide all of the following to villagers:

• Cash withdrawal and deposit
• Balance enquiry
• Mini statement
• PMJDY account transactions
• NREGA wages disbursement
• PMKISAN, PM maternity benefit payment
• Aadhaar-based payment (AEPS)
• FD/RD account opening (referral)

Frequently Asked Questions

I am already in an SHG. Does that give me preference?

Yes — SHG members are given preference as they have existing community connections and often have some financial literacy training.

Is the ₹4,000 stipend guaranteed for 6 months even if transactions are low?

Yes — the stipend is a fixed government support for the first 6 months regardless of transaction volume, to help the BC Sakhi establish herself and build a customer base.

Can a man apply for BC Sakhi?

No — BC Sakhi is specifically for women. The "Sakhi" (friend) model is designed to build trust with rural women beneficiaries for financial services.

What if my Gram Panchayat already has a BC Sakhi?

Check for vacancies — if the existing BC Sakhi has left or the panchayat has expanded, new vacancies may open. Also, block-level SRLM may have openings for neighbouring villages.

Is this scheme only in rural UP?

Yes — BC Sakhi is specifically for rural Gram Panchayats in Uttar Pradesh. Urban wards are not covered under this scheme.

Official Links

• Apply: upsrlm.org
• UP CMO scheme info: upcmo.up.nic.in
• Contact: Block SRLM office or District Rural Development Agency (DRDA)
• Helpline: 0522-2235296