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What is Bima Sakhi Yojana?
Bima Sakhi Yojana is a Life Insurance Corporation (LIC) scheme launched by PM Modi in December 2024 to empower rural and semi-urban women as LIC insurance agents. Enrolled women receive a monthly stipend of ₹7,000 (Year 1), ₹6,000 (Year 2), and ₹5,000 (Year 3) in addition to commission income from policies sold. After the 3-year period, they continue as full LIC agents earning commissions. The scheme targets 2 lakh women over 3 years and provides IRDAI agent licensing and free training.
Bima Sakhi Yojana — Quick Overview
| Scheme Name | Bima Sakhi Yojana 2026 — LIC Women Agent ₹7,000/Month Stipend | bima sakhi lic |
| Launched By | Government of India |
| Launch Year | 2024 |
| Benefit | ₹7,000/month stipend (Year 1) + commission on policies — declining to ₹5,000/month over 3 years |
| Category | Employment |
| Last Verified | 15 May 2026 |
| Official Portal | https://licindia.in/lic-s-bima-sakhi |
Benefits of Bima Sakhi Yojana
₹7,000/month stipend (Year 1) + commission on policies — declining to ₹5,000/month over 3 years
Who is Eligible for Bima Sakhi Yojana?
- ✓Women aged 18 to 70 years
- ✓Minimum education: Class 10 (Matriculation) pass
- ✓Permanent resident of India
- ✓Must pass IRDAI (Insurance Regulatory and Development Authority) licensing exam
- ✓Not a current or former LIC employee or LIC agent
- ✓Not related to existing LIC agents/employees (spouse, children, parents, siblings, in-laws)
- ✓Not employed in government or public sector
Documents Required for Bima Sakhi Yojana
0/6 documents ready
How to Apply for Bima Sakhi Yojana Online?
- 1Apply online at licindia.in/lic-s-bima-sakhi for the Bima Sakhi Yojana.
- 2Submit Aadhaar Card, PAN Card, and Class 10 pass certificate to prove eligibility.
- 3Provide a passport-size photograph and address proof such as an electricity or water bill.
- 4Add bank account details for stipend and commission credit.
- 5Clear the mandatory IRDAI agent licensing exam after enrollment.
- 6Complete LIC's free training programme provided to enrolled women.
- 7Earn the ₹7,000/month stipend (declining to ₹5,000 over 3 years) plus commission on policies sold as an LIC agent.
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Official Government Portal
Use licindia.in directly — there is no application fee, and no third party can speed up your approval.
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Frequently Asked Questions — Bima Sakhi Yojana
Stipend is ₹7,000/month in Year 1, ₹6,000/month in Year 2 (if 65% of Year 1 policies are active), and ₹5,000/month in Year 3 (if 65% of Year 2 policies are active). Commission on policies sold is additional income on top of stipend.