About this scheme for women
Under Deendayal Antyodaya Yojana — National Rural Livelihoods Mission (DAY-NRLM), Sikkim women's Self Help Groups (SHGs) receive micro-loans of ₹50,000 to ₹2 lakh at subsidized interest rates. Sikkim's key SHG livelihood activities include cardamom and ginger processing, handloom weaving (Lepcha and Bhutia traditional textiles), handicraft production, and eco-tourism. The state has over 4,000 active SHGs with 40,000+ women members. Interest subvention of 7% is available for timely repayment. Sikkim State Rural Livelihoods Mission (SSRLM) implements the scheme.
Support at a glance
| Scheme Name | सिक्किम DAY-NRLM SHG Micro-Loan 2026 — महिला स्वयं सहायता समूहों को ₹50,000–₹2 लाख | Sikkim SHG |
| State | Sikkim (सिक्किम) |
| Launched By | Government of Sikkim |
| Launch Year | 2011 |
| Benefit | ₹50,000–₹2 lakh micro-loan for women SHGs — cardamom/ginger processing, weaving, enterprise — 7% interest subvention |
| Category | Women |
| Last Verified | 6 September 2026 |
| Official Portal | https://sikkim.gov.in/departments/rural-management |
DAY-NRLM अन्तर्गत सिक्किमका ग्रामीण महिला स्वयं सहायता समूह (SHG) हरूले ₹५०,०००–₹२ लाख micro-loan कम ब्याजमा पाउँछन्। सिक्किममा SHG को मुख्य उद्यम: इलायची-अदुवा प्रशोधन, हातेकपडा बुनाई (Lepcha/Bhutia textile), हस्तकला र eco-tourism। समयमै ऋण तिरे ७% ब्याज छुट।
📌 फायदा: ₹५०,०००–₹२ लाख micro-loan महिला SHG — इलायची/अदुवा, बुनाई उद्यम — ७% ब्याज सबवेन्सन
पात्रता:
सिक्किम ग्रामीण SHG मा दर्ता महिला सदस्य (SSC/CoI धारक), SHG कम्तीमा ६ महिना सक्रिय, नियमित बचत, NRLM grading, Aadhaar-linked SHG बैंक खाता।
अर्ज कसा करावा:
नजिकको BDO कार्यालय / SSRLM District Office → SHG दर्ता → ६ महिना बचत → NRLM grading → micro-loan application → enterprise plan जम्मा → ₹५०,०००–₹२ लाख SHG खातामा।
What women beneficiaries receive
✅ ₹50,000–₹2 lakh micro-loan for women SHGs — cardamom/ginger processing, weaving, enterprise — 7% interest subvention
Which women qualify
- ✓ Woman member of a registered SHG in rural Sikkim (SSC / CoI holder)
- ✓ SHG must have been active for at least 6 months with regular savings
- ✓ Grading of SHG as per NRLM norms (Grade I or II)
- ✓ SHG members from BPL / economically weaker sections preferred
- ✓ Aadhaar-linked bank account for the SHG
- ✓ Viable livelihood / enterprise plan submitted
Documents to keep ready
How to enrol
- 1Visit sikkim.gov.in — the application is filed online there
- 2Register yourself; an OTP is sent to the mobile linked with your Aadhaar
- 3Enter the personal, income and bank information the form asks for
- 4Provide clear copies of Aadhaar Card (individual member), Sikkim Subject Certificate / Certificate of Identification, SHG registration certificate
- 5Do a final review, submit, and keep the reference number safe
- 6Check progress on the same portal while officials verify your file
Official Government Portal — Sikkim
Applications go through sikkim.gov.in only. Applying is free of charge — no agent, middleman or "consultant" is ever required.
🔗 Apply at sikkim.gov.in/departments/rural-management