Bima Sakhi Yojana 2025: ₹2.16 Lakh Scheme for All Women – Registration Now Open Nationwide

Bima Sakhi Yojana 2025 – In a major boost to women empowerment and financial security, the Indian government has launched the Bima Sakhi Yojana 2025, offering insurance coverage of up to ₹2.16 lakh exclusively for women. The scheme is aimed at rural and underprivileged women, providing them with financial assistance in times of emergency and encouraging financial literacy across villages. With registrations now open nationwide, this initiative is expected to benefit millions of women by the end of 2025. This ambitious scheme not only provides insurance coverage but also creates employment opportunities for women as “Bima Sakhis,” who will assist others in understanding and availing the benefits of various government-backed financial schemes. Let’s explore all the key details of this transformative program.

What is Bima Sakhi Yojana 2025?

The Bima Sakhi Yojana is a central government initiative launched in collaboration with Life Insurance Corporation (LIC) and other insurance partners. Its primary objective is to promote women-led financial awareness and provide social security through affordable insurance.

  • Launched under the Ministry of Rural Development
  • Exclusively for women above 18 years of age
  • Offers life and accident insurance coverage up to ₹2.16 lakh
  • Training and stipend for appointed Bima Sakhis
  • Nationwide implementation through Self Help Groups (SHGs)

Key Benefits of Bima Sakhi Yojana

This scheme is designed to offer dual benefits: protection through insurance and livelihood for rural women as Bima Sakhis.

  • Life insurance cover up to ₹1.26 lakh
  • Accidental insurance cover of ₹90,000
  • Appointment of one Bima Sakhi per Self Help Group
  • Monthly stipend and incentives for Bima Sakhis
  • Insurance premium fully covered by the government
  • Women to receive training in digital banking and claim processes
  • Boost in financial inclusion and empowerment of rural women

Eligibility Criteria and Documents Required

To ensure that the scheme reaches the deserving population, the government has set specific eligibility criteria.

Eligibility Requirements:

  • Applicant must be a woman aged between 18 to 50 years
  • Should belong to an active SHG registered under NRLM
  • Must not be a taxpayer or income tax assessee
  • Should not be covered under any similar insurance scheme

Required Documents:

  • Aadhaar Card
  • Bank Passbook with linked account
  • SHG Membership Proof
  • Passport-size Photograph
  • Mobile Number
  • Income and Residential Certificate (if required)

Step-by-Step Registration Process

Women can now apply through both online and offline modes. Here’s how the registration process works:

Offline Application (via SHG Centers):

  • Visit your nearest SHG or Block Development Office
  • Fill out the Bima Sakhi Yojana form
  • Attach required documents
  • Submit to the designated nodal officer
  • Receive confirmation slip after verification

Online Application Process (where applicable):

  • Visit the official NRLM/State Rural Livelihood Mission portal
  • Click on “Bima Sakhi Yojana 2025” registration link
  • Fill in all mandatory details
  • Upload scanned copies of documents
  • Submit and save acknowledgment receipt

Payment Structure and Insurance Coverage Details

The scheme provides structured financial benefits and incentives. Here’s a breakdown in tabular format:

Insurance Coverage Breakdown

Coverage Type Amount (₹) Duration Covered Under
Life Insurance 1,26,000 5 Years LIC Group Plan
Accidental Death Cover 90,000 5 Years PM Suraksha Bima Yojana
Monthly Stipend for Bima Sakhis 3,000 Ongoing State Rural Livelihood Mission
Premium Cost 0 Fully Subsidized Govt of India
Total Benefit Value 2,16,000 5 Years Direct to Beneficiary
Claim Settlement Time 15–30 Days Post Submission LIC/Nodal Agencies

Role and Duties of Bima Sakhis

Bima Sakhis are the grassroots agents of this mission. They are trained and compensated to raise awareness and help beneficiaries.

Duties and Responsibilities of Bima Sakhis

Responsibility Description
Community Awareness Conduct sessions on insurance and financial schemes
Claim Assistance Help beneficiaries with claim process
Application Assistance Assist women in filling forms and document upload
Record Maintenance Keep digital records of scheme applications
Monthly Reporting Report activities to Block-level officials
Digital Inclusion Teach mobile banking and Aadhaar linking
Incentive Earning Earn bonuses for each successful registration

Government’s Vision and Future Expansion Plans

The government aims to appoint over 5 lakh Bima Sakhis by the end of 2025, ensuring one for every SHG cluster across the country. This will create a sustainable ecosystem for insurance coverage and financial independence among women.

Projected Targets and Timeline

Milestone Target Count Deadline Status
Total Women to be Covered 1.2 crore Dec 2025 Ongoing
Total Bima Sakhis to be Trained 5 lakh Dec 2025 In Progress
SHG Awareness Campaigns 50,000+ Oct 2025 Scheduled
States Fully Covered 28 States July 2025 Partial
Total Budget Allocated ₹4,500 crore 2025-2026 FY Approved

How to Track Your Application and Benefits

Beneficiaries can track their registration status and insurance claims easily through both online and offline methods.

  • SMS Alerts: Receive confirmation and claim updates on registered mobile numbers
  • Official Portal: Enter Aadhaar or SHG ID to track status online
  • Helpline Numbers: Toll-free helplines available in every state
  • Village Level Bima Sakhis: Direct support for real-time updates

The Bima Sakhi Yojana 2025 is more than just an insurance scheme—it is a movement towards women-led development. With financial protection of ₹2.16 lakh and opportunities for rural employment, it lays a strong foundation for inclusive growth. Women across India are encouraged to register and make the most of this powerful initiative.

Frequently Asked Questions (FAQs)

Q1. What is the total insurance benefit offered under Bima Sakhi Yojana 2025?
The total insurance benefit is ₹2.16 lakh, including ₹1.26 lakh for life insurance and ₹90,000 for accidental death.

Q2. Who is eligible to become a Bima Sakhi?
Any woman who is part of an SHG and meets the age and income criteria can apply to become a Bima Sakhi.

Q3. Is there any fee to apply for this scheme?
No, the government fully covers the premium and registration is completely free.

Q4. Can urban women apply for this scheme?
The scheme is currently focused on rural and semi-urban areas covered under NRLM. Urban rollout is not yet announced.

Q5. How long will it take for my claim to be settled?
Claim settlements generally take 15 to 30 working days after all documents are submitted.

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