Friday , 26 April 2019


Bhamashah Yojna: Building new Rajasthan

Bhamashah Yojana is one of the popular and solicitous scheme of Rajasthan Government. The main aim of this scheme is “Empowering Women (especially rural area
) financially. The scheme’s objective is to provide Bhamashah card in the name of the lady of the house that empowers her to be the decision-maker for the family for effective use of cash and non-cash benefits.

This scheme was launched by Chief Minister Smt. Vasundhara Raje on 15th August, 2014 at Udaipur city of Mewar area. This project acts as a financial freedom to the women of Rajasthan as it frees the women from depending on the family for financial matters.

Benefits of Bhamashah Yojana

  1. Under the Bhamashah Yojana, a bank account will be opened in which all government schemes will be in the same account.
  2. Under this scheme, the woman will be considered as the head of the house which will further lead to empowering women financially
  3. The scheme will surely benefit the poor women of the state directly and make them aware about banking
  4. All plans in the state will be added through this scheme
  5. With this scheme, the government will raise the cost of Rs.30,000 for a free insurance and Rs.3lakh for serious illness.
  6. Using a biometric system, Bhamashah cardholders can get rations from the PDS shops.

Bhamashah Card

Bhamashah Card is disseminated by Gram Sevak, Urban ward supervisor, and local E-Mitra centers. It is just like a normal ATM card and to get various subsidies that would be provided by the state government, the family must link their card with the bank account.


Eligibility for Bhamashah Yojana

Bhamashah card is valid only in Rajasthan as only residents of Rajasthan can apply for it and BPL cardholders are also eligible for this scheme. There are few documents that needs to be submitted by the applicant for enrolling under Bhamashah Yojana.

  1. Voter Identity Card
  2. Aadhar Card
  3. Ration Card
  4. Pan Card
  5. Water Bill, electricity bill, telephone bill
  6. Passport size photo of the applicant
  7. Bank account details
  8. Bhamashah Yojana Application

Enrolling for Bhamashah Yojana

To enrol on Bhamashah the Rajasthan government provides an Aadhar-based method where it auto-populates the field based on the data that is already available with the state. This probably relies on Rajasthan’s State Resident Data Hub provided to it by the UIDAI.

Applicants can apply through both online and offline mode. For offline enrolment, camps were organized in each Gram Panchayat in the rural area and in each region in the urban area.

For online mode:

  1. Visit the official website of Bhamashah Yojana portal
  2. Click on Bhamashah enrolment
  3. Go to civil registration and fill out all the details
  4. Upload the required documents and submit the form
  5. Once registered successfully, the applicant needs to visit the nearest bank for opening a bank account with Bhamashah card.


Bhamashah Kendra

There are many enrolment centres in Rajasthan and are divided on the basis of districts. These centres help you to get registered under the scheme and provide relevant information. You can visit the site for detailed information about your nearest centre/Kendra:

Bhamashah Wallet

Bhamashah Wallet was launched by the Rajasthan Government under its Bhamashah program to make transactions easier for the people. This has been launched in partnership with Yes Bank. Each family under the Bhamashah program is issued a “Bhamashah card” which is linked to a resident’s bank account via their Aadhar card number. The scheme is designed to manage everything from public distribution system ration to direct benefit transfer payments from the government to citizen’s bank accounts.

The announcement of the Bhamashah card was made during the launch of India’s biggest start-up incubator centre, the Bhamashah Techno Hub, Jaipur. The incubation centre is spread over a whopping 100k sq. ft. and has the capacity to seat 700.

Key features of Bhamashah Wallet

  • The transactions are done over secure bank networks and all communications are done through encrypted channels
  • Bhamashah Wallet offers instant banking services as it uses a single identity such as name, QR code, or the mobile number of the user
  • People can use the wallet for paying bills and it also facilitates wallet-to-wallet and wallet-to-bank transactions and send money to others.

In order to use the Bhamashah Wallet, the user must have a Bhamashah Id (linked with the single sign or SSOID) and a bank account to avail the services provided by the wallet.

To enhance the security of the Bhamashah Wallet, the user needs to enter the pin code or passcode (MPIN) whenever he /she opens the wallet to see any notification or make any transaction.

With Bhamashah Wallet, one can pay for merchant transactions and e-mitra services such as mobile, electricity, and water bills. A user can also perform the following activities:

  1. Wallet-to-wallet transactions
  2. Wallet-to-bank transactions
  3. Check the wallet balance
  1. Send money to friends or family members using their mobile number or scanning the QR code.

Not only this, the Bhamashah  Wallet is linked with the state’s direct benefit transfer (DBT) engine. The app is available in a bilingual interface for ease of use and is a part of a free digikit.

The digikit includes a tablet, a biometric verification machine, thermal printer and a pin pad along with necessary software.

Bill Payments and wallet-to-bank

The Bhamashah wallet allows users to transfer money between bank accounts and their wallets as well which make it more convenient. Most commercially popular wallet apps already allow this. The app also supports QR payments, but only to the recipients who have the wallet installed.

With the Bhamashah Yojana, it seems possible to build a better society, empowering women as empowerment of the woman is the empowerment of the society and thus the state.



About Rashmi Sharma

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