With reference to the Gruha Lakshmi scheme in Karnataka, consider the following statements: 1. The scheme disbursed ₹584.23 crore in the financial year 2024-25. 2. The scheme disbursed ₹841.14 crore in the financial year 2025-26. 3. The State Guarantee Schemes Implementation Authority oversees the scheme's implementation. Which of the statements given above is/are correct?

Gruha Lakshmi scheme disbursed ₹841.14 crore in 2025-26 to help beneficiaries start businesses

GS2Polity · Governance · IR· Poverty, hunger & nutrition· Prelims· 27 October 2026

DBT and women's economic empowerment: a relevant GS2 case study on social safety nets.

Why in news

The State Guarantee Schemes Implementation Authority reviewed the Gruha Lakshmi scheme in Karnataka, which has seen increasing disbursements to empower beneficiaries to start businesses.

Background

The Gruha Lakshmi scheme disbursed ₹584.23 crore in 2023-24, ₹768.31 crore in 2024-25, and ₹841.14 crore in 2025-26. The State Guarantee Schemes Implementation Authority oversees the scheme's implementation in Karnataka.

Facts for Prelims

FactGruha Lakshmi scheme disbursement in 2025-26: ₹841.14 crore
FactGruha Lakshmi scheme disbursement in 2024-25: ₹768.31 crore
FactGruha Lakshmi scheme disbursement in 2023-24: ₹584.23 crore
BodyState Guarantee Schemes Implementation Authority: Body overseeing Karnataka's state guarantee schemes
FactShakti scheme: Recorded 8.69 crore trips

Prelims practice question

With reference to the Gruha Lakshmi scheme in Karnataka, consider the following statements:

The scheme disbursed ₹584.23 crore in the financial year 2024-25.
The scheme disbursed ₹841.14 crore in the financial year 2025-26.
The State Guarantee Schemes Implementation Authority oversees the scheme's implementation.

Which of the statements given above is/are correct?

(a)3 only
(b)1 and 2 only
(c)1 and 3 only
(d)2 and 3 only

Show answer

Answer: (d) 2 and 3 only — Statements 2 and 3 are correct. Statement 1 is incorrect: The note states ₹768.31 crore was disbursed in 2024-25.

For Mains

Q. Examine how direct benefit transfer schemes like Gruha Lakshmi contribute to women's economic empowerment and poverty alleviation in rural India.

Dimensions to cover in your answer

Livelihood transition: Shifting from welfare dependency to self-employment through seed capital
Administrative oversight: Role of dedicated implementation authorities in ensuring last-mile delivery
Gendered economic inclusion: Addressing credit gaps for women entrepreneurs in rural markets

Keywords: Direct Benefit Transfer · Women Empowerment · Livelihood Generation · Social Safety Nets · Economic Inclusion

Read the full news →Report a mistake in this note How notes are made Source: The Hindu ↗Also: GS2 · Government policies & schemes Also: GS1 · Women & gender issues

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