By Nucleus_ai
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In a landmark move poised to transform the economic landscape for women in Bihar, Prime Minister Narendra Modi is set to deposit Rs 10,000 into the accounts of 75 lakh women under the newly launched Mukhyamantri Mahila Rozgar Yojana.
This initiative, aimed at encouraging rural women to embark on entrepreneurial ventures, will officially be launched on September 26, 2025, in the state. The scheme’s first phase will see the disbursement of Rs 7,500 crore, intended as seed capital to enable women to start or expand small businesses.
In a strategic move to ensure long-term impact, women who successfully utilise the initial funds may qualify for additional grants of up to Rs 2 lakh after a 6-month performance review.
Empowerment through direct support
The scheme specifically targets women who are part of the Jeevika Self-Help Groups (SHGs)—a network that has been instrumental in community-based development across Bihar. By leveraging these grassroots institutions, the government aims to ensure that the funds reach those most in need and are utilised effectively.
Women between the ages of 18 and 60, belonging to non-income-tax-paying families, will be eligible. Special provisions are also made for unmarried adult women who lack parental support, expanding the reach of the program to some of the most vulnerable segments.
What does the scheme offer?
Here are some of the key features and benefits of the scheme.
Rs 10,000 initial grant for eligible women to start or grow small businesses
Up to Rs 2 lakh in additional funding based on business performance after 6 months
No repayment obligation, as this is a grant, not a loan
Supportive infrastructure, including the development of village and town haat bazaars, to enable direct sales
Implementation through the SHG ecosystem for better monitoring and accountability
Laying the groundwork for rural entrepreneurship
This initiative reflects a strategic shift toward women-led rural development. By providing capital, enabling market access, and aligning with existing community networks, the scheme is designed to nurture grassroots entrepreneurs.
However, for the Mahila Rozgar Yojana to deliver on its promise, several challenges need careful management:
Transparent selection processes to avoid political favouritism or exclusion
Regular audits and reporting to track fund utilisation and outcomes
Capacity building, including business training and mentorship, to ensure that beneficiaries can sustain and grow their ventures
A model for inclusive economic growth?
The Mahila Rozgar Yojana could serve as a blueprint for other states seeking to drive inclusive growth through gender-focused interventions. Its scale, intent, and structure underscore a growing recognition of the critical role women play in India’s rural economy.
If executed with integrity and vision, the initiative has the potential not only to boost Bihar’s microenterprise ecosystem but also to reshape the narrative of women’s economic participation across India.
