Bima Sakhi Yojana 2025 – The Government of India has rolled out a revolutionary scheme in 2025 called the Bima Sakhi Yojana, designed to empower women, simplify the insurance process, and provide a massive financial cover of up to ₹2.16 lakh. The best part? There’s no paperwork, no office visit, and the entire process is 100% online. Women across rural and urban India can now secure themselves and their families with just a few digital steps. With the push for Digital India, the Bima Sakhi Yojana aims to integrate financial security with technology, eliminating long queues, middlemen, and confusion around insurance processes. This initiative is especially focused on helping housewives, daily wage workers, and women from low-income backgrounds gain access to government-backed insurance coverage without hassle.
What Is Bima Sakhi Yojana 2025?
Bima Sakhi Yojana 2025 is a new initiative under the Ministry of Women and Child Development in collaboration with the Life Insurance Corporation of India (LIC). It offers a direct insurance payout of up to ₹2.16 lakh to eligible women in case of accidental death or disability – without needing to visit any physical office.
Key Highlights:
- Scheme launched in: 2025
- Authority: Ministry of Women & Child Development + LIC
- Total Coverage: ₹2.16 Lakh
- Application mode: Fully online
- Eligibility: Indian women aged 18–55
- Paperwork: None – only Aadhaar & bank details required
- Fee: Free of cost
Who Is Eligible for Bima Sakhi Yojana?
To ensure that the scheme reaches the right people, specific eligibility criteria have been laid out. Here’s what you need:
Eligibility Criteria Table:
| Criteria | Description |
|---|---|
| Gender | Female only |
| Age Limit | 18 to 55 years |
| Resident Status | Must be an Indian citizen |
| Income Limit | Annual income less than ₹2.5 lakh |
| Aadhaar Card | Mandatory |
| Bank Account with DBT Enabled | Required |
| Existing Government Job Holder | Not eligible |
| Digital Application Access | Smartphone or internet required |
How to Apply for Bima Sakhi Yojana Online?
The Bima Sakhi Yojana has a simplified, paperless process. Follow these steps to complete your application from home.
Step-by-Step Application Process:
- Visit the official portal: bimasakhi.gov.in (or access via UMANG app)
- Click on “Apply for Bima Sakhi 2025”
- Enter your Aadhaar number and verify via OTP
- Fill in your personal and bank account details
- Upload a photo/selfie for verification
- Submit and wait for confirmation via SMS or email
Required Documents (Only Soft Copies Needed):
| Document Name | Purpose |
|---|---|
| Aadhaar Card | Identity verification |
| Bank Passbook/Statement | DBT (Direct Benefit Transfer) |
| Mobile Number | OTP and updates |
| Passport-size photo | Digital KYC |
What Are the Benefits of Bima Sakhi Yojana?
The scheme is not just insurance – it’s a holistic financial protection tool for underprivileged women and their families.
Benefits Table:
| Benefit Type | Amount/Support Provided |
|---|---|
| Accidental Death Coverage | ₹2,00,000 |
| Permanent Disability | ₹2,00,000 |
| Partial Disability | ₹1,00,000 |
| Funeral/Last Rites Support | ₹16,000 |
| Direct Bank Transfer | Within 15 days of claim approval |
| Zero Premium | Fully government-sponsored |
| Digital Claim Filing | Available on the same portal |
| Helpline Support | 24/7 multilingual assistance |
Important Dates & Deadlines to Remember
If you’re planning to apply, keep track of these key dates to avoid missing out.
Bima Sakhi Yojana 2025 Timeline:
| Activity | Date/Deadline |
|---|---|
| Scheme Launch Date | March 1, 2025 |
| Online Applications Open | March 5, 2025 |
| Last Date to Apply | December 31, 2025 |
| Insurance Coverage Begins | 7 days after approval |
| Payout Window | 15 working days post-claim |
| Grievance Portal Launch | June 15, 2025 |
How Will the ₹2.16 Lakh Be Transferred?
Once a claim is approved, the payout is made directly to the woman’s linked bank account. No middleman or agent is involved.
Direct Transfer System:
- Amount: Up to ₹2.16 lakh
- Timeframe: 7–15 days from approval
- Mode: DBT (Direct Benefit Transfer)
- Bank Required: Any nationalized or DBT-enabled bank
- Claim Filing: Online via portal or UMANG app
Example Scenario – How Payout Works:
Let’s say a beneficiary meets with an unfortunate accident leading to permanent disability. Here’s how the payout unfolds:
| Event | Amount Paid | Time Taken |
|---|---|---|
| Claim Approval | Within 5 days | |
| Disability Support | ₹2,00,000 | 10 days |
| Funeral Support | ₹16,000 | With main claim |
| Total Payout | ₹2,16,000 |
Additional Support & Women Empowerment Goals
Apart from the direct payout, the government has tied Bima Sakhi Yojana with financial literacy, women leadership programs, and digital empowerment campaigns.
Other Linked Benefits:
- Access to free insurance literacy training
- Participation in Skill Sakhi digital job programs
- Priority access to Mudra loans and Sukanya Samriddhi Yojana
- Digital certification post enrollment
- Monthly SMS-based safety and savings tips
The Bima Sakhi Yojana 2025 is a landmark move toward building a safer, more financially secure future for India’s women. By cutting down bureaucracy and offering a 100% online platform, this scheme ensures that insurance is no longer a luxury, but a basic right. If you’re eligible, apply immediately and secure your future with a guaranteed ₹2.16 lakh cover – without setting foot outside your home.
FAQs
1. Is there any age limit to apply for Bima Sakhi Yojana?
Yes, women aged between 18 and 55 years are eligible.
2. Is this scheme applicable for working women too?
Yes, as long as they are not employed in a permanent government job and meet the income criteria.
3. Can I apply using someone else’s Aadhaar?
No, your personal Aadhaar and bank details must be used for verification and DBT.
4. How much time does the claim process take?
Once approved, the claim is processed within 7–15 working days.
5. Is there any registration fee involved?
No, the scheme is completely free. Do not pay any agents or websites.