Haryana’s government unveiled the Lado Lakshmi Yojana on June 21, 2025, offering loans up to ₹5 lakh to empower women entrepreneurs. Targeting economic self-reliance, the scheme provides low-interest loans and subsidies for women aged 18–60 with annual incomes below ₹1.8 lakh. Aimed at fostering micro-enterprises, it includes training and market linkage support to boost women-led businesses across rural and urban areas.
Haryana’s New Scheme Empowers Women with ₹5 Lakh Loans
On June 21, 2025, the Haryana government launched the Lado Lakshmi Yojana, a transformative initiative to bolster women’s entrepreneurship across the state. Announced as part of the 2025-26 budget by Chief Minister Nayab Singh Saini, the scheme aims to provide financial assistance to women, enabling them to start or scale micro-enterprises and achieve economic independence.
The scheme offers loans of up to ₹5 lakh to eligible women entrepreneurs through banks, facilitated by the Haryana Women Development Corporation. Women aged 18 to 60 with an annual family income of less than ₹1.8 lakh and who are permanent residents of Haryana qualify for the program. Notably, applicants must not be defaulters on prior loans to ensure responsible lending.
A key feature of the Lado Lakshmi Yojana is its focus on accessibility. The loans come with low-interest rates and, for eligible categories such as Scheduled Castes (SC), Scheduled Tribes (ST), and Below Poverty Line (BPL) applicants, subsidies are provided to reduce repayment burdens. The scheme also integrates training programs in financial literacy, business management, and entrepreneurship, delivered through partnerships with NGOs and government agencies. These programs aim to equip women with the skills needed to sustain and grow their businesses.
The initiative aligns with Haryana’s broader vision to position itself as a hub for innovation and entrepreneurship. With over 45% of startups in the state already led by women, as noted by Commissioner and Secretary of Industries and Commerce Amit Agrawal, the scheme seeks to further this momentum. It also complements existing programs like the Haryana State Startup Policy 2022, which supports incubators and digital-first entrepreneurship.
To facilitate access, applications are processed online via the Saral Haryana Portal, ensuring transparency and ease of use. The scheme also promotes market linkages, helping women entrepreneurs connect with buyers and supply chains to enhance their business viability. This is particularly significant for rural women, who often face barriers in accessing formal markets.
The Lado Lakshmi Yojana is part of a ₹5,000 crore budget allocation aimed at empowering women through economic and social upliftment. It follows other women-centric schemes like the Haryana Women Personal Loan Scheme, which offers smaller loans of up to ₹1 lakh. By providing larger financial support and comprehensive resources, the new scheme is poised to make a significant impact on women-led businesses in both urban and rural Haryana.
The launch has been met with optimism from stakeholders. Local women’s groups and industry experts have praised the scheme for addressing credit access challenges, a major hurdle for women entrepreneurs. With its focus on skill-building and financial inclusion, the Lado Lakshmi Yojana is expected to drive sustainable growth and empower thousands of women to become self-reliant entrepreneurs.
Disclaimer: This article is based on information from credible sources, including government announcements, news reports, and official portals like saralharyana.gov.in. While efforts have been made to ensure accuracy, readers are advised to verify details through official channels for the latest updates on eligibility and application processes.