Big relief for women heads of households in Karnataka! The Gruha Lakshmi Scheme (also called Griha Lakshmi Yojana) continues to provide ₹2,000 monthly financial assistance in 2026, directly credited to eligible women’s Aadhaar-linked bank accounts. Launched in August 2023 by the Karnataka Government under Chief Minister Siddaramaiah as one of the five guarantee schemes, it has benefited over 1.28 crore women so far, empowering them to manage household expenses, education, healthcare, and daily needs amid rising costs.
No change in the monthly amount or core structure reported in January 2026 – payments remain regular for verified beneficiaries, with recent updates allowing bank account changes for inactive/closed accounts. The scheme stays strong despite political debates ahead of future elections.
Know Complete Details of Gruha Lakshmi Scheme in 2026
The Gruha Lakshmi Scheme aims to promote economic independence and improve quality of life for women:
- Monthly Financial Aid: Fixed ₹2,000 per month to the female head of the household.
- Disbursement: Through Direct Benefit Transfer (DBT) to Aadhaar-linked bank accounts (or RTGS if not linked).
- Implementation: Department of Women and Child Development, Government of Karnataka.
- Latest Status (January 2026): Ongoing payments; recent update allows changing bank accounts if old one is closed, inactive, or wrong details entered (no money credited). No delays or cuts reported; instalments continue smoothly.
- Related Developments: Karnataka launched Gruha Lakshmi Digital Marketing Portal in January 2026 to promote products by women entrepreneurs – complements the scheme’s empowerment goal.
- Total Reach: Over 1.28 crore beneficiaries; transparent DBT system ensures direct delivery.
Who Gets ₹2,000 Monthly? Eligibility Criteria
The scheme targets women from economically weaker sections:
- Residency: Permanent resident of Karnataka.
- Gender & Role: Must be a woman listed as the head of the family on the ration card.
- Ration Card: Holder of Antyodaya, Below Poverty Line (BPL), or Above Poverty Line (APL) ration card issued by Karnataka Food and Civil Supplies Department.
- Age: Generally adult women (no strict minimum, but head of family implies maturity).
- Income & Assets: Focus on economically vulnerable groups; no high income or major asset ownership (exact cut-offs based on ration card category).
- Other: One woman per family; Aadhaar and bank account must match records; gender minorities/transgenders eligible if head.
Exclusions: High-income families, government employees (with conditions), or those not listed as head.
Benefits – How Much You Get & Real Impact
- Direct Cash: ₹2,000 every month → ₹24,000 per year to manage essentials.
- Household Support: Covers groceries, medicines, children’s education, and emergencies.
- Women Empowerment: Financial independence, better decision-making, reduced dependence.
- Overall Savings: Many families report improved nutrition, school attendance, and reduced borrowing.
- Example: A low-income family in Bengaluru, Mysuru, or rural Karnataka can cover basic monthly needs with this aid.
How to Check Status, Update Bank Account & Apply in 2026
- Status Check:
- Visit Seva Sindhu Portal (sevasindhuservices.karnataka.gov.in) or official DWCD site (dwcd.karnataka.gov.in).
- Go to “Track Your Application” or “Gruha Lakshmi Status”.
- Enter Application/Reference Number, Aadhaar, Mobile, or Ration Card details.
- View status: Pending, Approved, Payment History, Instalment Released/Rejected.
- Bank Account Change (New Update 2026): Allowed if account closed/inactive/wrong details. Apply via portal or local office; ensure Aadhaar seeding.
- Application: Ongoing via Seva Sindhu, Karnataka One, Bangalore One, Grama One centres, or offline camps. Phase expansions continue for eligible women.
- Documents Needed: Aadhaar, ration card, bank passbook, residence proof.
Tip: Ensure Aadhaar-bank linkage; report delays via helpline or local tahsildar.
Edge Cases: If payment missed – check seeding status on DBT app; rural women use Grama One; new inclusions via verification.
This scheme empowers Karnataka women – check your status now!
Are you receiving ₹2,000 under Gruha Lakshmi Scheme? How has it helped your family? Comment below and share your views!
Stay updated with us for all latest Karnataka government schemes, women welfare updates and financial assistance news in 2026.