PM Modi Credits ₹10,000 to 75 Lakh Women: A New Milestone in Women Empowerment and Self-Reliance

Sep 26, 2025

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In a landmark initiative, Prime Minister Narendra Modi has announced a direct benefit transfer of ₹10,000 each to 75 lakh women beneficiaries across Bihar under the Mukhyamantri Mahila Rojgar Yojana. This scheme is designed to provide seed capital for self-employment, micro-businesses, and livelihood activities, while also promoting financial inclusion for women across the state.

With a total initial disbursement of ₹7,500 crore, this move highlights the government’s focus on empowering women not only as homemakers but as contributors to the economy and drivers of rural growth.

Scheme Overview at a Glance

The following table summarizes the major highlights of the scheme:

Feature	Details
Scheme Name	Mukhyamantri Mahila Rojgar Yojana
Beneficiaries	75 lakh women in Bihar
Initial Assistance	₹10,000 credited directly to bank accounts
Total Disbursement (Phase 1)	₹7,500 crore
Further Assistance	Up to ₹2,00,000 (subject to performance and business needs)
Purpose	Encourage women’s self-employment, small business, and entrepreneurship
Execution Model	Self-Help Groups (SHGs), training, and local resource persons
Launch Date	September 26, 2025

Why This Scheme is Revolutionary

Direct Benefit Transfer (DBT) Approach
Funds are being deposited directly into women’s bank accounts, ensuring zero leakage, transparency, and immediate benefit delivery.
Financial Independence for Women
For millions of women in rural Bihar, this may be the first independent income they control, boosting confidence and decision-making power within families.
Micro-Enterprise Development
Whether it is tailoring, livestock farming, handicrafts, or small retail, the ₹10,000 grant acts as seed money to start ventures that can generate sustainable income.
Scalable Support
Unlike one-time grants, the scheme provides additional financial backing of up to ₹2 lakh, ensuring successful enterprises can expand.
Employment & Rural Economy Boost
By encouraging local women entrepreneurs, the scheme is expected to revitalize rural markets, create jobs, and stimulate community-level economic activity.

Potential Uses of the Assistance

Women beneficiaries can channel the ₹10,000 seed capital into various productive avenues.

Possible Enterprise	Example Activities
Agriculture & Allied	Vegetable farming, poultry, dairy, goat rearing
Handicrafts	Embroidery, weaving, handloom, bamboo products
Retail	Small kirana stores, vegetable stalls, tailoring shops
Services	Beauty parlors, tiffin services, tuition centers
Livelihood Support	Buying sewing machines, tools, livestock feed

Such diversified opportunities not only ensure income generation but also create value chains that sustain local economies.

Wider Social and Economic Impact

1. Strengthening Self-Help Groups (SHGs)

The scheme is being executed through Bihar’s well-established SHG networks, ensuring beneficiaries receive community guidance, financial literacy, and group accountability.

2. Boosting Women’s Social Status

Direct financial control enhances women’s role in household decision-making, leading to greater gender equality.

3. Rural Economic Growth

Lakhs of women starting micro-enterprises can collectively create a multiplier effect, benefiting farmers, artisans, traders, and local service providers.

4. Political Significance

Launched ahead of elections, this scheme carries both welfare and political weight. However, its impact on livelihoods will be the true measure of success.

Challenges That Need Attention

While the scheme is ambitious, its success depends on careful execution.

Effective Training: Women need guidance on how to best use the funds for sustainable ventures.
Market Access: Without linkages to local and digital markets, micro-businesses may struggle.
Monitoring & Fraud Control: Ensuring only genuine beneficiaries receive funds will be crucial.
Long-Term Sustainability: ₹10,000 provides a starting point, but continuous support and mentoring are vital for scaling businesses.

Comparing with Other Welfare Programs

Here’s how this scheme compares with previous women-focused welfare efforts:

Program	Focus Area	Distinction
Jan Dhan Yojana	Financial inclusion via bank accounts	Foundation for DBT transfers
Ujjwala Yojana	Free LPG connections for women	Household welfare, not income
Mahila Samman Saving Scheme	Savings promotion	Encourages financial security, not entrepreneurship
Mukhyamantri Mahila Rojgar Yojana	Self-employment & income generation	Direct cash + enterprise support

This shows that the new scheme is unique as it combines financial aid with entrepreneurship goals.

Final Thoughts

The transfer of ₹10,000 each to 75 lakh women is more than just a welfare measure—it’s a transformational opportunity for women to become economic participants, local entrepreneurs, and community leaders.

If properly monitored and supported with training, market access, and scalability, the scheme could reshape rural Bihar’s economy and set a template for similar programs across India.

For millions of women, this isn’t just about receiving money; it’s about receiving trust, recognition, and a chance to build a better future.

Disclaimer

This article is intended for informational purposes only. Scheme details, figures, and benefits are based on government announcements as of September 2025. Implementation specifics may vary, and readers are encouraged to verify updates from official channels before relying on this information.

About the author

I’m Himanshu Dhar, a dedicated MIS trainer proudly associated with I Turn Institute. My journey in the realm of data management and automation spans over 14 enriching years. My passion for this field extends to freelancing projects, where I bring real-world practicality into my teaching. My impact in education is marked by the success of over 25,000 students I’ve had the privilege of mentoring, hailing from diverse backgrounds. Beyond the classroom, I’ve had the honor of conducting corporate training sessions and seminars, catering to the unique needs of businesses. Let’s unlock your potential together in the realm of data analysis and automation.