About Bhamashah Yojana


With the objectives of financial inclusion and to empower the women of the State, Bhamashah Scheme was launched in 2008, wherein, around 50 lakh ladies were enrolled and 29 lakh accounts were opened.

Bhamashah Scheme, an end-to-end service delivery platform to transfer cash and non-cash benefits to the targeted beneficiaries in a transparent manner, was relaunched in the year 2014 with broader objectives. The Scheme is a family-based programme of financial inclusion, where each family is issued a ‘Bhamashah Card’. The Card is linked to a bank account that is in the name of lady of the house who is the head of the family. The card leverages bio-metric identification and core banking. Multiple cash benefits would be accessed through the Bhamashah Card and will be directly transferred to bank accounts of the beneficiaries. Non-cash benefits would be given directly to entitled beneficiaries.


It is one of its kind scheme where all benefits—cash and non-cash, e.g. services of Public Distribution System (PDS), Education Scholarships, payments under MNREGA and Social Security Pensions, benefit of other Schemes like Distribution of Scooties to Students, Indira Awas Yojana, CM BPL House, Janani Surakha Yojana, Unemployment Allowance, Skill Training, other individual beneficiary schemes and many other services will be routed through Bhamashah Scheme. Under the Scheme, the family is being mapped correctly and single unique data set for the residents of the State is being made. Thus, duplication is checked. All demographics and socio-economic parameters have been included to work out entitlement under various government schemes. Therefore, the Scheme will eventually cover beneficiaries at all levels across the State. Bhamashah Scheme leverages bank accounts opened under Pradhan Mantri Jan Dhan Yojana for achieving Financial Inclusion.


The Bhamashah platform does not limit the financial inclusion to mere opening of bank accounts, but simultaneously ensures door step delivery of banking services through Business Correspondents (BCs) of the banks and Micro ATMs, being established at all the panchayats. Further, various mobile payment gateways have been integrated with the Bhamashah platform, thereby making service delivery through JAM (Jan Dhan; Aadhaar; Mobile) trinity a reality in the State.


Benefits of the Scheme

Ensuring empowerment of women

Financial inclusion for all sections of the society

End-to-end service delivery platform for cash and non-cash benefits with complete transparency and real-time delivery

Closer-to-home banking services to citizens

A unified platform for a large number of schemes

Includes both family and individual beneficiary