The BC Sakhi scheme is for women who use smartphones; they receive 4,000 rupees every month..

The 'Banking Correspondent Sakhi' (BC Sakhi) scheme, launched by the Government of Uttar Pradesh, is an excellent initiative aimed at making women in rural India self-reliant and digitally empowered. Through this scheme, educated women in villages are being provided with employment opportunities. It serves as a golden opportunity for women who are proficient in using smartphones and wish to earn an income while living in rural areas. Under this scheme, women receive a monthly honorarium of ₹4,000.

What is the BC Sakhi scheme and what are its benefits?
The primary objective of this scheme is to extend banking services to villages through digital channels. Selected eligible women receive a monthly stipend of ₹4,000 for the first six months. Additionally, the government provides financial assistance of ₹50,000 for the purchase of banking hardware devices. After the initial six-month period, these 'Sakhis' earn an income through commissions generated from banking transactions, such as cash deposits, withdrawals, and facilitating loans.

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BC Sakhis travel across villages to provide services related to bank accounts. Using micro-ATMs and other modern digital tools, they enable villagers to deposit or withdraw cash right at their doorsteps. This spares villagers the trouble of traveling to a bank, while simultaneously providing women with stable, local employment.

What are the eligibility requirements for application?
To apply for the BC Sakhi scheme, a woman must have completed at least the 10th grade. Furthermore, the applicant must be a member of a local Self-Help Group (SHG). She should possess basic knowledge of how to use a smartphone and operate digital devices. Additionally, the applicant must be a resident of the same Gram Panchayat for which she is applying.

How to apply?
To begin, download the 'BC Sakhi' mobile app from the Google Play Store on your smartphone. After installing the app, enter your mobile number and log in using an OTP.
Next, carefully read the instructions provided in the app and click on 'Basic Profile'.
Fill in all the required information, such as your name, address, educational qualifications, and details regarding your Self-Help Group (SHG).
Upload the necessary documents and your photograph to the app.
Then, submit the form.
You will be able to track the status of your application directly within the app.

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