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+{{htmlmetatags>metatag-keywords=(women schemes India, beti bachao beti padhao, sukanya samriddhi yojana, PM matru vandana yojana, women welfare schemes 2026, mahila yojana, single woman scheme)
+metatag-description=(Women & social welfare schemes India 2026 — Beti Bachao Beti Padhao, Sukanya Samriddhi 8.2%, PMMVY ₹6,000–12,000 maternity, ujjwala, women safety.)}}
+====== Women & Social Welfare Schemes in India 2026 ======
+{{page>snippets:dpdp-banner}}
+**Central + state schemes specifically for women add up to over **₹50,000 crore annually**. Most go to: girl-child savings (Sukanya), maternal benefits (PMMVY), free LPG (Ujjwala), and education (BBBP). This is the simple, single guide for women + caregivers.**
+===== Quick Answer =====
+  * **Girl child < 10 → 8.2% tax-free savings** → [[:sukanya-samriddhi-yojana|Sukanya Samriddhi]]
+  * **Pregnant / lactating mother → ₹6k–12k cash** → [[:pm-matru-vandana-yojana|PMMVY]]
+  * **Education + scholarship for girl child** → [[:beti-bachao-beti-padhao|BBBP]]
+  * **Free LPG connection** → [[:ujjwala-yojana|Ujjwala 2.0]]
+  * **House subsidy (in woman's name)** → [[:pmay-2026-complete-guide|PMAY 2.0]]
+  * **Worker accident cover ₹2 lakh** → [[:e-shram-card|e-Shram]]
+  * **Women safety helpline** → **181**
+  * **Stuck or denied?** [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|🪄 RTI in 60 sec]].
+===== Who should read this page =====
+  * **Pregnant women / new mothers** → PMMVY + JSY
+  * **Parents of girl children** → Sukanya, BBBP, scholarship portal
+  * **Single mothers / widows / separated women** → priority in PMAY, ration, LPG
+  * **Working women (informal)** → e-Shram + ESI
+  * **Survivors of domestic violence** → 181 helpline + One-Stop Centre
+  * **Senior women** → priority in Ayushman, pension
+===== List of schemes =====
+==== Girl child savings + education ====
+  * **[[:sukanya-samriddhi-yojana|Sukanya Samriddhi Yojana (SSY)]]** — **8.2% interest tax-free**, account in girl's name, opens any bank/post office before age 10, mature at age 21 (or marriage post-18). Min ₹250 / year, max ₹1.5 lakh / year. Section 80C deduction.
+  * **[[:beti-bachao-beti-padhao|Beti Bachao Beti Padhao (BBBP)]]** — central campaign + scholarship support + sex-ratio improvement. State-level financial benefits vary (Ladli Lakshmi, Bhagya Lakshmi, Cradle Babies, etc.).
+==== Maternal benefits ====
+  * **[[:pm-matru-vandana-yojana|PM Matru Vandana Yojana (PMMVY)]]** — **₹5,000** for first child + **₹6,000** if second child is a girl. Direct cash (DBT) to mother. Aadhaar + bank required.
+  * **Janani Suraksha Yojana (JSY)** — institutional delivery cash assistance — ₹1,400 (rural BPL) / ₹1,000 (urban BPL).
+  * **Janani Shishu Suraksha Karyakram (JSSK)** — free institutional delivery + 30-day newborn care + free transport.
+==== Welfare ====
+  * **[[:ujjwala-yojana|Ujjwala 2.0]]** — free LPG connection + 12 cylinders/year subsidised. Woman is the connection holder.
+  * **[[:pmay-2026-complete-guide|PMAY 2.0]]** — house subsidy. Mandate: **house in woman's name** (or jointly with husband) for EWS/LIG.
+  * **[[:e-shram-card|e-Shram]]** — for unorganised women workers (domestic, farm, gig). ₹2 lakh accident cover.
+==== Safety + redressal ====
+  * **One-Stop Centre (OSC) — Sakhi** — integrated support for violence-affected women (medical, legal, police, shelter). Toll-free **181**.
+  * **Mahila Helpline 181** — 24x7.
+  * **Mahila Police Volunteers** — village/ward-level police aides.
+  * **Working Women Hostels** — affordable housing for migrant working women.
+==== Income generation ====
+  * **National Rural Livelihoods Mission (NRLM) — Aajeevika** — SHG-based income generation for rural women.
+  * **Mahila E-Haat** — online platform for women entrepreneurs.
+  * **DAY-NULM** — urban livelihoods for women.
+==== Pension ====
+  * **Indira Gandhi National Widow Pension Scheme (IGNWPS)** — ₹300/month (central) + state top-up.
+  * **Atal Pension Yojana (APY)** — ₹1k–5k/month after 60.
+===== How to apply (PMMVY example, most common request) =====
+  - **Visit Anganwadi Centre** in your area OR online at https://wcd.nic.in.
+  - Carry: **Aadhaar (mother + husband)**, **bank passbook (mother's name)**, **MCP card (Mother & Child Protection)** issued at first ANC visit.
+  - **Form 1A** — registration during pregnancy.
+  - **Form 1B** — after delivery (with delivery certificate).
+  - **Form 1C** — child completed first immunisation.
+  - **Money transferred via DBT** to mother's bank account in 3 instalments.
+  - **First child**: ₹3,000 + ₹2,000 = ₹5,000 total.
+  - **Second child if girl**: additional ₹6,000 = ₹11,000 total.
+  - If stuck > 60 days, **file RTI** to ICDS Director.
+===== Common mistakes =====
+  * **Aadhaar–bank not seeded** — DBT silently fails. Branch visit before applying.
+  * **MCP card not maintained** — must show ANC visits. ASHA worker maintains; check it.
+  * **Multiple Aadhaar / duplicate registration** — flagged by system. Re-apply with single canonical Aadhaar.
+  * **Trusting agents** for sanction "fix" — all schemes are 100% free.
+  * **Not knowing which scheme stacks** — PMMVY + JSY are stackable; PMMVY + state schemes (Mamta in Punjab, JSY etc) often stack too.
+===== FAQ =====
+==== I had a girl child as my first. Do I get extra under PMMVY? ====
+**No** — first child gets ₹5,000 (regardless of gender). **Second child** gets ₹6,000 **only if the second child is a girl**.
+==== Sukanya Samriddhi or PPF — which is better? ====
+**SSY** for a girl child < 10: **8.2% tax-free** + Section 80C. **PPF** is more flexible (any holder, withdrawal earlier) but lower interest (~7.1%). For a daughter, SSY beats PPF.
+==== Can a single mother get PMAY? ====
+**Yes** — house can be solely in her name. Submit **death/divorce/separation certificate** as marital status proof.
+==== I'm a domestic worker. What schemes apply? ====
+**[[:e-shram-card|e-Shram]]** (universal worker registration), **PMSYM** (pension after 60 with ₹55–200/month contribution), Ayushman Bharat (if SECC-listed or 70+).
+==== What is Beti Bachao Beti Padhao actually? ====
+**Awareness campaign + state-specific cash** for girl child. Central provides ₹0 directly to families — but states use BBBP to fund their **local cash schemes** (Ladli, Bhagya Lakshmi, etc.). State portal is where you apply.
+==== I'm a migrant domestic worker — where do I file complaint? ====
+**Mahila Helpline 181** (24x7) → routes to nearest **One-Stop Centre (Sakhi)** → integrated medical + legal + shelter.
+==== Can I open SSY for my granddaughter? ====
+**No** — only **biological/legal parent or guardian**. Grandparents can fund it but the account-opening parent must be the guardian.
+==== What if my Ujjwala connection has been inactive for 3 years? ====
+Distributor will ask for **KYC update** + may charge nominal reactivation fee. Ujjwala connection itself stays unless formally surrendered.
+===== All RTI Wiki tools =====
+  * 🪄 **[[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]]**
+  * 🎤 **[[https://righttoinformation.wiki/tools/awaaz-rti.html|AwaazRTI — voice RTI]]**
+  * 🌐 **[[https://righttoinformation.wiki/intelligence/citizen-360.html|Citizen 360]]** — local Anganwadi + Sakhi + women police
+===== Related =====
+  * [[:government-schemes-india-2026|🏛 Top schemes — pillar]]
+  * [[:health-insurance-schemes-india|🏥 Health & Insurance]]
+  * [[:financial-support-schemes-india|💰 Financial Support]]
+  * [[:education-skill-schemes-india|🎓 Education & Skill]]
+  * [[:digital-arrest-scam-india|⚠ Beware of women-targeted scams]]
+  * [[:cyber-crime-complaint-india|Cyber crime complaint]]
+===== Sources =====
+  * [[https://wcd.nic.in|Ministry of Women & Child Development]]
+  * [[https://www.indiapost.gov.in/Financial/Pages/Content/SukanyaSamriddhi.aspx|India Post — Sukanya Samriddhi]]
+  * [[https://pmuy.gov.in|Ujjwala 2.0]]
+  * [[https://wcd.nic.in/schemes/pradhan-mantri-matru-vandana-yojana|PMMVY official]]
+  * Helplines: **181** (women) · **1098** (children) · **1800-11-6446** (PMAY-G)
+{REVIEWED}
+//Last reviewed: 3 May 2026.//
+{{tag>women-schemes social-welfare sukanya pmmvy bbbp 2026}}