← 10 October 2026's Current Affairs · Karnataka KPSC Prelims ★★★★★ Mains ★★☆☆☆
Gruha Lakshmi: government bars banks from adjusting the Rs 2,000 against old dues
খবরে কেন?
Banks can't touch the Rs 2,000: the Gruha Lakshmi DBT safeguard every Karnataka welfare-scheme answer needs
An order protects Gruha Lakshmi payments from being set off against old dues.
Why it matters: asked in KPSC 2023; factual, Prelims-type; Karnataka-specific
What you need to know
2 মিনিট
The Karnataka government has issued an order directing banks not to adjust the Rs 2,000 monthly assistance under the Gruha Lakshmi scheme against old loan instalments, interest or other dues.
Gruha Lakshmi pays the amount to the woman head of an eligible family.
সূত্র: Topper IAS editorial (PIB / The Hindu / Indian Express)
মূল তথ্য
Remember these
- Gruha Lakshmi is one of Karnataka's five guarantee schemes.
- It pays Rs 2,000 a month to the woman head of an eligible family.
- Payment is made through Direct Benefit Transfer (DBT) into a bank account.
- The government has ordered banks not to adjust the assistance against old loan instalments, interest or other dues.
- Syllabus link: Karnataka state welfare schemes (guarantees).
প্রিলিমস · মেইনস
How the exam will ask it
প্রিলিমস
- Gruha Lakshmi provides Rs 2,000 a month to the woman head of an eligible family in Karnataka.
- The assistance is transferred to beneficiaries through Direct Benefit Transfer (DBT).
- Under the new order, banks cannot set off the monthly assistance against a beneficiary's old loan instalments, interest or other dues.
মেইনস
GS-II: welfare delivery and women's empowerment. Issue: DBT payments credited to indebted beneficiaries' accounts were being adjusted by banks against old dues. Policy: a state order bars such set-off so the Rs 2,000 reaches the woman head of the family. Implication: it protects the scheme's purpose and household consumption; way forward is stronger bank coordination, grievance redressal and monitoring of DBT leakages.
PYQ connection
A question UPSC has already asked on this
Name the scheme of Government of Karnataka under which women heads of households will be given a monthly allowance of ₹ 2,000.
- Karnataka Gruha Jyothi Scheme
- Karnataka Santhwana Scheme
- Karnataka Gruha Lakshmi Scheme
- Karnataka Shakti Scheme (Yojana)
উত্তর দেখুন
উত্তর: C
Why this matters: today's issue is directly connected to a concept UPSC has already tested. Read the story with this question in mind.
Practise this PYQ →Quick recall
Answer before you reveal
Under Karnataka's Gruha Lakshmi scheme, the monthly assistance of ₹2,000 is paid to:
- Every woman above 18 years of age
- The woman head of an eligible family
- Girl students in government colleges
- Women entrepreneurs registered as MSMEs
উত্তর দেখুন
উত্তর: B — Correct: The woman head of an eligible family — Gruha Lakshmi pays ₹2,000 a month to the woman head of each eligible family. • Every woman above 18 years of age — wrong: The scheme is not paid to every adult woman; it targets one woman per eligible family. • Girl students in government colleges — wrong: Girl students are not the target group; scholarships serve them separately. • Women entrepreneurs registered as MSMEs — wrong: MSME-registered women entrepreneurs are covered by industry schemes, not Gruha Lakshmi.
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