The Delhi government has launched one of its most significant women-centric welfare initiatives — the Delhi Lakshmi Yojana (also referred to as Laxmi Yojana). On August 1, 2026, Chief Minister Rekha Gupta inaugurated the official online registration portal, fulfilling a key electoral promise made by the BJP ahead of the 2025 Delhi Assembly elections.
Under this scheme, eligible women receive ₹2,500 every month. The government has allocated ₹5,110 crore in the 2026-27 Budget and expects to benefit more than 17 lakh women across the national capital. The first instalment is targeted for release around Raksha Bandhan on August 28, 2026, after verification of applications.
This article provides a complete, updated overview of the Delhi Lakshmi Yojana 2026 — including objectives, eligibility, exclusions, documents, payment options, how to apply, and answers to the most frequently asked questions.
What is Delhi Lakshmi Yojana?
Delhi Lakshmi Yojana is a monthly financial assistance scheme designed to empower economically weaker women in Delhi. Earlier known as Mahila Samriddhi Yojana, it was renamed Delhi Lakshmi Yojana (or Laxmi Yojana). The scheme aims to enhance women’s dignity, financial security, and self-reliance while encouraging long-term savings and responsible spending.
Key highlights of Delhi Lakshmi Yojana 2026:
- Monthly benefit: ₹2,500 per eligible woman
- Expected beneficiaries: Over 17 lakh women
- Budget allocation: ₹5,110 crore for 2026-27
- Duration: Initially for three years, subject to review and possible extension
- Application mode: Fully online through the dedicated portal
- Official portal: https://dly.delhi.gov.in
The scheme stands out because beneficiaries do not receive the full amount as unrestricted cash. Instead, they choose between structured savings and limited digital spending options.
Objectives of the Scheme
The Delhi government launched Lakshmi Yojana with multiple goals:
- Provide direct financial support to women from low-income families
- Promote a culture of savings through mandatory or optional deposits
- Encourage digital payments via Central Bank Digital Currency (CBDC)
- Support education, healthcare, nutrition, and skill development
- Strengthen women’s decision-making power within households
- Link benefits with positive social behaviours such as school enrolment, vaccination, and participation in government campaigns
By combining immediate assistance with asset-building features, the scheme seeks to create lasting financial resilience rather than temporary relief.
Eligibility Criteria for Delhi Lakshmi Yojana 2026
To qualify, an applicant must meet all the following conditions (as per official guidelines):
- The applicant must be a woman aged between 21 and 60 years as on the date of application.
- She must be the eldest eligible woman member of the family. Only one woman per household can receive the benefit.
- The applicant, or her husband, or either of her parents must have been a resident of Delhi for a minimum of 10 years.
- She must be a registered voter of Delhi.
- The annual family income must not exceed ₹2,50,000.
Who is Not Eligible? (Exclusion Criteria)
The scheme has clear exclusions to target genuine needy beneficiaries:
- Women already receiving any pension or regular financial assistance from the Central or State Government
- Income tax payers or GST return filers
- Current or former government servants / public office holders
- Women with more than three living children
- Families with annual electricity consumption exceeding 2,400 units
- Women (or their family members) employed as regular or contractual staff in Central/State Government, PSUs, Boards, Local Bodies, or any government organisation
- Families owning a four-wheeler motor vehicle
- Women with any criminal record or antecedents
- Families where any member is receiving widow pension, disability pension, or similar government benefits
These filters ensure the benefit reaches the intended section of society.
Required Documents for Application
Applicants must upload the following documents on the portal:
Mandatory Documents
- Aadhaar Card
- Delhi Voter ID Card
- Photograph and signature of the applicant
- Recommendation letter from the Hon’ble MP or MLA of the constituency
Proof of 10-Year Residence in Delhi (Any One)
- Delhi Voter ID Card
- Ration Card
- Driving Licence
- Electricity Meter Bill / Gas Connection Bill or Receipt
Age Proof (Any One)
- Birth Certificate
- School Leaving Certificate
- Matriculation / 10th Certificate
- Driving Licence
- PAN Card
- Aadhaar Card
- Voter ID Card
A self-declaration confirming 10-year residency and no criminal record is also required. Keep digital copies ready in the prescribed format before starting the application.
Payment Options Under Delhi Lakshmi Yojana
Beneficiaries choose one of two options:
Option 1 (Preferred by Government for Balanced Support)
- ₹1,500 deposited every month into a Recurring Deposit (RD) or Fixed Deposit (FD) account
- ₹1,000 credited to a Central Bank Digital Currency (CBDC) Digital Rupee wallet
The CBDC wallet can be used only for government-approved essential goods and services. A negative list blocks spending on liquor, tobacco products, gutka, cigarettes, online gaming, gambling, and other restricted items.
Option 2
- Entire ₹2,500 deposited every month into an RD or FD account
This option maximises long-term savings and interest earnings. The RD typically has a lock-in period aligned with the scheme’s initial three-year duration. After maturity, the principal plus interest is credited to the beneficiary’s bank account.
These structured options distinguish Delhi Lakshmi Yojana from pure cash-transfer schemes in other states.
How to Apply Online for Delhi Lakshmi Yojana 2026
Registration opened on August 1, 2026. Follow these steps:
- Visit the official portal: https://dly.delhi.gov.in
- Click on the registration / apply now option
- Enter mobile number linked to Aadhaar and complete OTP verification
- Fill in personal, family, income, and residential details carefully
- Upload all required documents in the specified size and format
- Select preferred payment option (RD/FD + CBDC or full RD/FD)
- Review the application and submit
- Note down the application/reference number for future tracking
Applications undergo district-level scrutiny. The government aims for time-bound verification so that eligible women receive the first instalment by Raksha Bandhan (August 28, 2026). Keep checking the portal for status updates.
Benefits and Impact of the Scheme
- Annual support of ₹30,000 per beneficiary
- Encourages savings culture and financial literacy
- Supports household expenses on essentials through the CBDC component
- Helps women contribute to children’s education, healthcare, and nutrition
- Links beneficiaries with other positive initiatives (APAAR ID, ABHA ID, vaccination, self-help groups, skill programmes)
- Strengthens women’s economic agency within the family
With over 17 lakh potential beneficiaries, the scheme is expected to inject significant purchasing power into lower-income households across Delhi while building individual savings corpuses.
Important Points to Remember
- Only one woman per family is eligible (eldest qualifying woman)
- The scheme is initially for three years
- False information or forged documents can lead to rejection and possible legal action
- Recommendation from the local MLA/MP is mandatory
- Electricity consumption and vehicle ownership are verified through available databases
- The portal is the only official channel for applications — avoid middlemen
10 Frequently Asked Questions (FAQs) about Delhi Lakshmi Yojana 2026
1. What is the monthly amount under Delhi Lakshmi Yojana? Eligible women receive ₹2,500 per month.
2. When did registration for Delhi Lakshmi Yojana start? Online registration began on August 1, 2026, through https://dly.delhi.gov.in.
3. Who can apply for the scheme? Women aged 21–60 years, permanent residents of Delhi for at least 10 years, with family income up to ₹2.5 lakh, subject to other eligibility and exclusion criteria.
4. Can more than one woman from the same family apply? No. Only one woman (the eldest eligible) per household can receive the benefit.
5. Is a recommendation letter from MLA/MP compulsory? Yes, a recommendation from the Hon’ble MP or MLA of the constituency is a mandatory document.
6. How will the money be paid? Beneficiaries choose either ₹1,500 in RD/FD + ₹1,000 in CBDC wallet, or the full ₹2,500 in RD/FD.
7. Can the CBDC amount be withdrawn as cash? No. It can be spent only on approved essential goods and services. Restricted items such as alcohol, tobacco, and gambling are blocked.
8. What is the income limit for Delhi Lakshmi Yojana? Annual family income must not exceed ₹2,50,000.
9. Are women with more than three children eligible? No. Women with more than three living children are excluded.
10. When will the first payment be released? The government aims to release the first instalment around Raksha Bandhan on August 28, 2026, after verification.
Conclusion
Delhi Lakshmi Yojana 2026 marks a major step toward women’s economic empowerment in the national capital. By offering structured monthly support of ₹2,500, promoting savings, and introducing controlled digital spending, the scheme balances immediate relief with long-term financial security. Eligible women should apply promptly through the official portal https://dly.delhi.gov.in, ensure all documents are ready, and complete the process carefully.
For the most accurate and latest information, always refer to the official Delhi government portal and announcements from the Chief Minister’s Office. This initiative has the potential to positively impact the lives of over 17 lakh women and their families across Delhi.