Sabse pehle ek zaroori baat — ye hamare 18 September wale Lado Laxmi update ka part-2 hai, repeat nahi. Us article me income limit (Rs.1.80 lakh) aur phase 2 launch ki khabar thi. Uske baad Haryana cabinet ne 10 October 2026 ko naye niyam approve kar diye, jo 1 November 2026 se lagu honge: payment ka poora structure badal gaya, face verification ka niyam badal gaya, aur kuch maaon ke liye income limit bhi badh gayi. Labharthi hain ya apply karna chahti hain — ye 5 minute aapke liye sabse kaam ke hain.
📋 Cabinet decision ek nazar me
Decision: 10 October 2026, cabinet meeting (Chandigarh) — CM Nayab Singh Saini ki adhyakshata me. Lagu: 1 November 2026 se.
3 bade badlav: (1) Har labharthi ko fixed Rs.2,100 mahina — kam rashi ka option khatm; (2) Doosre mahine se Rs.1,100 bank account me + Rs.1,000 sarkari RD/FD me; (3) Face verification ab 3 mahine me ek baar.
Bonus: Teen khaas categories ki maaon ke liye income limit Rs.1.80 lakh se Rs.3 lakh.
Pehle Aur Ab — Purane Niyam vs Naye Niyam
Confusion se bachne ke liye seedha table:
| Niyam | Pehle (October 2026 se pehle) | Ab (1 Nov 2026 se) |
|---|---|---|
| Monthly rashi | Rs.2,100 ya isse kam lene ka option tha | Sabko fixed Rs.2,100 — kam lene ka option khatm |
| Payment ka tareeka | Poori rashi bank account me DBT se | Pehle mahine poori rashi; doosre mahine se Rs.1,100 account me + Rs.1,000 RD/FD me |
| Face verification | Har mahine Lado Lakshmi App par | Sirf 3 mahine me ek baar (quarterly) |
| Income limit | Rs.1.80 lakh saalana (Sept 2026 se) | Rs.1.80 lakh; teen khaas categories ke liye Rs.3 lakh |
Rs.2,100 Ka Naya Hisab — Haath Me Kitna, Jama Kitna?
Ye sabse bada badlav hai. Pehle mahine approval ke baad poore Rs.2,100 aapke savings account me aayenge. Doosre mahine se rashi do hisson me bategi:
💰 Rs.1,100 — seedha aapke bank account me: Ye hissa har mahine DBT se aapke account me aayega. Ghar ka kharcha, bachon ki padhai, dawai — is par aapka poora haq hai, jab chaaho nikaal sakti ho.
🏦 Rs.1,000 — sarkari RD/FD account me: Ye hissa sarkar dwara chalaye jaane wale recurring deposit ya fixed deposit account me jayega. RD adhiktam 5 saal tak chalegi, aur maturity par poori rashi byaj samet aapko milegi.
Seedhi ganit lagate hain. RD 5 saal (60 mahine) chale to sirf mool rashi Rs.60,000 jama hogi — byaj alag, jo maturity par ek saath milega. Matlab yojana ab do kaam ki hai: har mahine ghar ka sahara + 5 saal baad ek badi rashi. Bahut si mahilayein khud bachat nahi kar paati — ye "zabardasti ki bachat" unke liye suraksha kavach ban sakti hai.
Ek aur zaroori baat: pehle Rs.2,100 se kam lene ka option tha — ab khatm. 1 November 2026 se har patra labharthi ko fixed Rs.2,100 hi milega. Kisi ko kam paise me "settle" nahi hona padega.
Monthly Ya Quarterly? Sabse Bada Confusion Khatm
Internet par is yojana ko lekar do tarah ki khabrein ghum rahi hain aur log confuse ho rahe hain. Ek taraf purani khabrein hain — "Rs.6,300 har 3 mahine me ek saath". Doosri taraf naye niyam. Asli sthiti ye hai:
💳 Payment — HAR MAHINE: October 2026 ke cabinet amendments ke anusaar Rs.2,100 mahine-dar-mahine hi aayegi (Rs.1,100 account + Rs.1,000 RD).
📸 Verification — 3 MAHINE ME EK BAAR: "Quarterly" hui hai face verification — Lado Lakshmi App par live photo wala liveness check ab har mahine nahi, sirf har 3 mahine me ek baar. Paisa mahine me, verification tine me — alag-alag yaad rakhiye.
Ye badlav gaon ki un mahilaon ke liye khaas rahat hai jinhe har mahine app kholkar photo upload karne me dikkat hoti thi. Ab ye jhanjhat saal me sirf 4 baar hoga.
Face Verification Kaise Karein — Step by Step
Liveness check pehli payment ke baad shuru hota hai. Ab ye 3 mahine me ek baar karna hai, tareeka wahi hai:
1Lado Lakshmi App kholein aur registered mobile number se login karein.
2Face authentication / liveness certificate wale option par tap karein.
3Saaf roshni me chehra camera ke saamne rakhein — app ke nirdesh par live photo dein, Aadhaar database se e-KYC milan hoga.
4Confirmation ka intezaar karein — verification poori hote hi agle payment cycle ke liye eligible bani rahengi.
⚠️ Dhyaan rahe: Verification bhoolne ya photo match na hone par payment ruk sakti hai. App me due date se pehle ye kaam nipta lein. Verification ke naam par koi aapse paise ya OTP maange to samajh jaiye wo dhokha hai — sarkari verification me kabhi paise nahi lagte.
Aksar Puche Jaane Wale Sawal (FAQ)
Q1. Kya ab mujhe Rs.2,100 se kam milega kyunki Rs.1,000 RD me jayega?
Nahi. Aapko poore Rs.2,100 ka labh mil raha hai — Rs.1,100 turant kharch ke liye, Rs.1,000 aapke naam par bachat me jama. Ye paisa aapka hi hai, 5 saal baad byaj samet milega. Koi katauti nahi hai.
Q2. RD ka paisa beech me nikaal sakti hun kya?
Niyamon ke anusaar RD adhiktam 5 saal tak chalegi aur maturity par poori rashi byaj samet milegi. Beech me nikaalne ke niyam official notification me dekhein.
Q3. Meri umar 62 saal hai, kya mujhe ye yojana milegi?
Is yojana me 23 saal ya usse upar ki mahilayein patra hain, lekin baad me budhapa ya vidhwa pension ke liye patra hone par aapka naam automatic us yojana me shift ho sakta hai. Dono ka labh ek saath nahi milta.
Q4. Mere parivar me 3 mahilayein patra hain — kya teeno ko milega?
Haan. Ek parivar se patra mahilaon ki sankhya par koi seema nahi hai. Jo bhi shartein poori karti hai, wo alag-alag apply kar sakti hai — sabko apna-apna Rs.2,100 milega.
Q5. Labharthi ki mrityu ho jaye to RD ka paisa kiska?
Aise me mrityu wale mahine ki poori pension di jati hai, aur RD me jama rashi byaj samet nominee ko milti hai. Isliye apply karte waqt nominee ka naam zaroor darj karwayein.
Teen Khaas Categories — Jinke Liye Income Limit Rs.3 Lakh
Cabinet ne ek aur bada faisla kiya hai jo ab tak zyada charcha me nahi aaya. Teen khaas categories ki maaon ke liye family income limit Rs.1.80 lakh se badhkar Rs.3 lakh kar di gayi hai:
📚 Bachon ke board results, 📖 NIPUN Bharat learning aur 🩺 kuposhan se ubharne se judi teen categories ki maayein — jo bachon ki padhai aur sehat par dhyaan de rahi hain, unhe sarkar protsahit karna chahti hai.
In teen categories ki sahi paribhasha aur dastavezon ki list official notification me dekhein — apply karne se pehle confirm kar lein ki aap inme aati hain ya nahi, taaki form reject na ho.
Kinhe NAHI Milega — Apply Karne Se Pehle Ye Padh Lo
Har yojana ki tarah isme bhi shartein hain. Neeche wali list me aati hain to apply karne se pehle soch lijiye — galat jankari par nikala gaya paisa 12% saalana byaj samet vasool kiya ja sakta hai:
✗ Sarkari naukri wali mahilayein (regular/contractual) — jahan parivar ki aay seema se upar ho.
✗ Income tax dene wale parivar ki mahilayein.
✗ Pehle se koi aur pension (budhapa/vidhwa) lene wali — inhe sambandhit yojana me shift kiya jayega.
✗ Haryana me 15 saal se kam rehne wali (doosre rajya se byah kar aayi mahila ke liye pati ki 15 saal ki residency dekhi jati hai).
✓ Patrata ki mukhya shartein:
✓ Umar: 23 saal ya usse zyada
✓ Aay: Parivar ki saalana aay Rs.1.80 lakh se zyada nahi (Family ID / FIDR me verified); khaas categories ke liye Rs.3 lakh tak
✓ Niwas: Haryana ki 15 saal se sthayi niwasi
✓ Bank account: Apne naam par sakriya bank account, Aadhaar se linked (DBT ke liye zaroori)
✓ Gram Sabha/Area Sabha dwara gareeb parivaron ki shreni me pehchan — gaon me Gram Sabha, shehar me Area Sabha/Ward Committee se endorsement
5 Galtiyan Jinse Payment Ruk Jata Hai
Har mahine kai mahilaon ki payment chhoti galtiyon se ruk jati hai. Ye 5 galtiyan kabhi mat kariye:
1Bank account update na karna: Account band, IFSC badla ya Aadhaar link toota to payment fail hogi. Lagatar 2 mahine fail hui to labh rok diya jata hai — sahi details verify hone tak paisa nahi aayega.
2Face verification bhool jana: Ab 3 mahine me ek baar hai, lekin bhoolne par payment ruk sakti hai. App me due date note karke rakhein.
3Duplicate application: Ek se zyada baar apply karne par form reject ho sakta hai. Pehle app me status check karein.
4Galat ya adhuri jankari: Aay, umar ya niwas ki galat jankari par application reject hogi, aur liya gaya paisa 12% saalana byaj samet vasool kiya ja sakta hai.
5Nominee ka naam na dena: RD me hazaaron rupaye jama honge — nominee darj na hone par parivar ko baad me dikkat hogi.
Naya Aavedan Kaise Karein — Lado Lakshmi App Se
Application sirf Lado Lakshmi App ke zariye hoti hai (HARTRON ka official app) — registration, verification, shikayat aur status check sab isi me:
1Official portal se Lado Lakshmi App download karke mobile number se register karein.
2"Patrata jaanchein" option se pehle confirm karein ki aap shartein poori karti hain.
3"Yojana ke liye aavedan karein" par tap karke parivar ka vivran bharein — sadasyon ka Aadhaar, niwas praman, aay praman, bank account details.
4Zaroori dastavej upload karein: Aadhaar card (khud ka aur parivar ka), Parivar Pehchan Patra, Haryana residence certificate, aay praman, bank account details, Aadhaar se juda mobile number.
5Form digital submit karein. CRID verification ke baad SMS aayega, Aadhaar e-KYC aur live photo par pension ID jaari hogi aur DBT se payment shuru hogi.
Phase 2: 17 September Se Naye Aavedan, Paisa November Se
Yaad rahe, 17 September 2026 ko Mahendragarh me doosre phase ka shubharambh hua tha — usi din naye aavedakon ke liye registration khula. Phase 2 me 2.5 lakh se zyada mahilayein register kar chuki hain; inhe November 2026 se payment milna shuru hoga — naye niyamon ke saath.
Isi dauran 10 October 2026 ko 12vi kisht bhi jaari hui. Sarkari aankdon ke anusaar pichhle 18 mahino me Rs.2,042 crore se zyada 10 lakh mahilaon tak pahuncha hai, aur scheme ka budget Rs.5,000 crore se badhkar Rs.6,500 crore ho gaya hai. Apni kisht ka status check karne ke liye October 2026 ki DBT payment ki poori jankari aur status check ka tareeka yahan padhein.
Important Links
| Link | Details |
|---|---|
| socialjusticehry.gov.in | Social Justice & Empowerment Department, Haryana — yojana ka official portal (notification aur details ke liye) |
| Join Now | WhatsApp Channel — Haryana yojanaon ke taaza updates ke liye |
| 1800-180-2231 / 0172-4880500 | Lado Lakshmi Yojana helpline — application ya payment me dikkat ho to sampark karein |
Ant me ek baat phir: 1 November 2026 se niyam badal rahe hain, maksad wahi hai — mahilaon ko arthik sahara aur suraksha. Patra hain to deri mat kijiye, Lado Lakshmi App se aavedan karke apna haq pakka kar lijiye. Aur is article ko un mahilaon tak zaroor pahunchaiye jinke liye ye Rs.2,100 mahine ka sahara ban sakta hai.
0 Comments