What is Ladakh Women SHG Revolving Fund?
Ladakh's brutal winters compress the earning season into a few months, which is why this SHG scheme leans on activities women can build income around locally — pashmina wool crafts, handicrafts, homestay tourism, dried fruit processing, and livestock rearing. Registered women's Self-Help Groups across the UT can draw a ₹15,000 seed revolving fund under the State Rural Livelihoods Mission (SRLM), and once established, borrow up to ₹3 lakh at zero interest. LAHDC runs the programme jointly with the Ladakh Social Welfare Department, coordinating both the seed funding and larger loan disbursals for winter-resilient trades like pashmina and dried-fruit processing.
Ladakh Women SHG Revolving Fund — Quick Overview
| Scheme Name | Ladakh Women SHG Revolving Fund & Loan Scheme 2026 — ₹15,000 Seed Fund + 0% Interest Loan |
| State | Ladakh (लद्दाख) |
| Launched By | Government of Ladakh |
| Launch Year | 2021 |
| Benefit | ₹15,000 seed revolving fund + up to ₹3 lakh 0% interest loan for women SHGs in Ladakh UT |
| Category | Women |
| Beneficiaries | 2,000+ women SHGs in Ladakh |
| Last Verified | 27 May 2026 |
| Official Portal | https://lahdc.nic.in |
लद्दाख महिला SHG योजना (SRLM) — ₹15,000 revolving fund + ₹3 लाख तक 0% ब्याज ऋण — पश्मीना शिल्प, handicrafts, homestay, सूखे फल प्रसंस्करण, पशुपालन में लगी SHGs के लिए — LAHDC और Social Welfare Dept द्वारा।
₹15,000 revolving fund + ₹3 लाख तक 0% ब्याज ऋण — महिला SHG — लद्दाख
लद्दाख SRLM के तहत पंजीकृत महिला SHGs को ₹15,000 seed revolving fund और ₹3 लाख तक 0% ब्याज ऋण दिया जाता है। लद्दाख की विशेष परिस्थितियों के अनुकूल पश्मीना शिल्प, हस्तशिल्प, homestay पर्यटन, सूखे फल प्रसंस्करण और पशुपालन में लगी SHGs को प्राथमिकता दी जाती है।
📌 फायदा: ₹15,000 revolving fund + ₹3 लाख तक 0% ब्याज ऋण — पंजीकृत महिला SHG — लद्दाख UT
पात्रता:
लद्दाख UT में पंजीकृत महिला SHG — 6 माह की नियमित बचत — group bank account — पिछले ऋण चुकाए हों।
अर्ज कसा करावा:
Social Welfare Department या LAHDC office (Leh/Kargil) में SHG पंजीकरण करें → 6 माह की बचत रिकॉर्ड बनाएं → revolving fund और bank linkage loan के लिए apply करें।
Benefits of Ladakh Women SHG Revolving Fund
✅ ₹15,000 seed revolving fund + up to ₹3 lakh 0% interest loan for women SHGs in Ladakh UT
₹15,000 revolving fund + ₹3 लाख तक 0% ब्याज ऋण — महिला SHG — लद्दाख
Who is Eligible for Ladakh Women SHG Revolving Fund?
- ✓ The SHG must be registered and based in either Leh or Kargil district of Ladakh UT.
- ✓ It needs at least six months of regular group savings on record before applying.
- ✓ All members of the group must be women who are permanent residents of Ladakh UT.
- ✓ Groups working in handicrafts, pashmina, homestay tourism, dried fruit, or livestock rearing get preference.
- ✓ Any earlier loan taken by the group must be fully repaid before a new one is considered.
Documents Required for Ladakh Women SHG Revolving Fund
How to Apply for Ladakh Women SHG Revolving Fund Online?
- 1Go to the scheme's official portal, lahdc.nic.in
- 2Start a new registration with your mobile number and confirm the OTP
- 3Work through each section of the form, matching entries to your documents
- 4Attach the requested paperwork (SHG registration certificate from Social Welfare Dept / LAHDC, SHG savings passbook (minimum 6 months), List of SHG members with Aadhaar details)
- 5Verify the preview screen, submit, and write down the acknowledgement ID
- 6Return to the portal later to follow the verification stages
Official Government Portal — Ladakh
lahdc.nic.in is the only authorised application channel, and the Ladakh government charges nothing there — never pay anyone to apply on your behalf.
🔗 Contact Social Welfare Dept / LAHDC, Ladakh