Money in her name: Haryana's lado Laxmi transfers and the new cash confidence

In early December, Haryana transferred around Rs 148 crore directly into the bank accounts of 7,01,965 women under the Deen Dayal Lado Laxmi Yojana - the second installment since the scheme launched in late September. By November-end, more than 9 lakh women had applied via a dedicated mobile app, with over 7 lakh found eligible.

- TDG NETWORK

Representative image.

The basic design is simple. Any woman aged 23 or above with a family income below Rs 1 lakh a year can apply through the Lado Laxmi app. Every eligible woman in a family can receive the benefit - not just one “head of household”.

The money is released every three months, with the quarter’s entitlement bundled into a single Direct Benefit Transfer.

On the ground, this digital pipeline arrives with a series of hoops: downloading the app, uploading a live photograph, Aadhaar-based e-KYC, income verification and bank account seeding.