When my cousin finished her 12th and started looking for work in our small town, every option seemed to need either a degree, big-city relocation, or capital she didn’t have. Then a neighbour mentioned something I’d never heard of — a government-backed scheme where women get paid a monthly stipend just to train as insurance agents. I was sceptical. It sounded too good. So I dug into the official LIC notifications myself, and what I found genuinely surprised me.
✅ This guide is based on official LIC notifications and government press releases. Last verified: October 15, 2026. Scheme details, eligibility criteria, and stipend amounts are revised by LIC from time to time — always cross-check the latest information on the official portal (licindia.in) before applying.
The scheme is called the LIC Bima Sakhi Yojana — also known as the Mahila Career Agent (MCA) scheme — and it was launched by Prime Minister Narendra Modi on December 9, 2024, in Panipat, Haryana. In plain terms: LIC trains women to become insurance agents, pays them a monthly stipend for three years while they learn, and then lets them continue as full LIC agents earning commission for life. The target is ambitious — 2 lakh women over three years.
In this guide, I’ll walk you through everything: the exact stipend amounts, who can apply, the documents you need, the step-by-step online application process, the performance conditions most articles skip over, and what happens after the three-year training period ends. Let’s get into it.
What Is the LIC Bima Sakhi Yojana?
The LIC Bima Sakhi Yojana is a stipendiary scheme exclusively for women, run by the Life Insurance Corporation of India. The idea is simple but powerful: instead of just selling insurance policies, LIC wants women — especially from rural and semi-urban areas — to become the face of insurance in their own communities.
Here’s how I think about it. In most villages and small towns, families trust people they know. A woman from the same neighbourhood explaining a policy carries far more weight than a stranger from a city office. LIC understood this, and the Bima Sakhi scheme turns that trust into a career.
The scheme sits inside LIC’s Mahila Career Agent (MCA) framework and connects directly with the government’s bigger vision of “Insurance for All by 2047” — the target of giving every Indian household insurance coverage by the hundredth year of independence. Bima Sakhis are meant to be the last-mile link between formal insurance and communities that have stayed outside the financial mainstream.
At the launch event in Panipat, the PM also distributed appointment certificates to the first batch of prospective Bima Sakhis. Since then, applications have been accepted on a rolling basis through LIC’s official portal.
LIC Bima Sakhi Yojana: Key Highlights at a Glance
Before we go deeper, here’s the complete picture in one table — the way I wish someone had shown me when I first started researching this:
| Detail | Information |
|---|---|
| Scheme name | LIC Bima Sakhi Yojana (Mahila Career Agent Scheme) |
| Launched by | Prime Minister Narendra Modi |
| Launch date | December 9, 2024, Panipat (Haryana) |
| Run by | Life Insurance Corporation of India (LIC) |
| Who can apply | Women aged 18–70, minimum 10th pass |
| Stipend | ₹7,000/month (Year 1), ₹6,000/month (Year 2), ₹5,000/month (Year 3) |
| Extra incentive | ₹2,100/month performance incentive + commission on policies sold |
| Target | 2 lakh women over 3 years |
| Training period | 3 years (stipendiary) |
| After 3 years | Continue as regular LIC agent; graduates can aim for Development Officer roles |
| How to apply | Online via licindia.in |
| Official helpline | +91-22-68276827 |
Bima Sakhi Yojana Salary: Monthly Stipend Breakdown
The question I see everywhere — “bima sakhi yojana salary kitni hai?” — deserves a straight answer. This is not a government salary in the traditional sense. You’re not an LIC employee. You’re a trainee agent who gets a fixed monthly stipend for three years, plus commission on every policy you sell. Think of the stipend as training support and the commission as your real earning engine.
Here’s the exact stipend structure:
| Year | Monthly Stipend | Yearly Total (Stipend) | Condition |
|---|---|---|---|
| Year 1 | ₹7,000 | ₹84,000 | Meet monthly business targets |
| Year 2 | ₹6,000 | ₹72,000 | At least 65% of Year 1 policies still in force |
| Year 3 | ₹5,000 | ₹60,000 | At least 65% of Year 2 policies still in force |
| 3-year total | — | ₹2,16,000 | — |
On top of the stipend, there’s a ₹2,100 per month incentive linked to performance, and — this is the part most summaries underplay — regular LIC commission on every policy sold. In the first year alone, the expected first-year commission (excluding bonus) is around ₹48,000 if you hit the standard targets. So a Bima Sakhi who works her territory well can earn meaningfully more than the stipend figure suggests.
Let me put it in practical terms. In Year 1, a Bima Sakhi meeting her targets could receive roughly ₹7,000 (stipend) + ₹2,100 (incentive) + her share of commission each month. That’s a genuine income for a woman in a small town — and it comes with training, not just money.
LIC Bima Sakhi Yojana Benefits (Beyond the Money)
The stipend gets the headlines, but when I looked closer, the non-cash benefits are what make this scheme genuinely different from a typical “apply and get money” yojana:
- Free professional training — LIC trains you in insurance products, financial literacy tools, and customer guidance. You learn a real, marketable skill.
- Flexible working hours — you work as an independent agent, not a 9-to-5 employee. Many Bima Sakhis manage this alongside household responsibilities.
- A lifelong career path — after the 3-year stipendiary period, you continue as a regular LIC agent earning commission under standard LIC agency rules. The income doesn’t stop; only the training stipend ends.
- Development Officer track — graduate Bima Sakhis who complete the required agency years can be considered for LIC’s Apprentice Development Officer roles. That’s a genuine promotion ladder inside India’s largest insurer.
- Renewal income — insurance commission isn’t one-time. When your customers renew or pay premiums year after year, you keep earning. Bima Sakhis also help families enrol in government insurance schemes like the Pradhan Mantri Jeevan Jyoti Bima Yojana, which builds long-term community relationships.
- Social standing — and this matters more than people admit — a Bima Sakhi becomes the person her village turns to for financial advice. That’s respect you can’t put a price on.
Eligibility: Who Can Become a Bima Sakhi?
The eligibility bar is deliberately low — that’s the whole point. Here’s exactly what LIC requires:
- Gender: Only women can apply. This is a women-exclusive scheme.
- Age: Between 18 and 70 years on the date of application. Yes, 70 — this is one of the widest age windows of any government scheme I’ve covered.
- Education: Minimum 10th standard pass. No degree needed, no 12th required.
- Citizenship: Must be an Indian citizen. The scheme is open to women from any state.
That 18–70 range is worth pausing on. A 22-year-old who just finished school and a 55-year-old homemaker whose children are grown are both eligible. I’ve rarely seen a scheme cast the net this wide.
Who Cannot Apply (Important Exclusions)
This is the section most articles skip, and it’s the one that saves you a wasted application. You are not eligible if:
- You are a relative of an existing LIC agent or LIC employee (LIC wants genuinely new outreach, not family networks double-dipping).
- You are a retired LIC employee.
- You are an ex-agent seeking reappointment — the scheme is for fresh entrants.
- You are already an existing LIC agent.
If any of these apply to you, don’t waste time applying — the application will be rejected at verification.
Documents Required for Bima Sakhi Yojana
Keep these ready before you start the online form. From my experience with government portals, having scanned copies prepared in advance turns a 40-minute frustrating session into a 10-minute smooth one:
- Age proof — Aadhaar card, birth certificate, or any valid government age proof
- Address proof — Aadhaar card, voter ID, utility bill, or ration card
- Educational certificate — 10th standard marksheet or passing certificate
- PAN card — required for commission payouts later
- Bank account details — for stipend and commission transfers (if you don’t have one yet, read my guide on the PM Jan Dhan Yojana to open a zero-balance account first)
- Recent passport-size photograph — self-attested, as per the application instructions
LIC Bima Sakhi Yojana Apply Online: Step-by-Step Process
Applications are accepted online only through LIC’s official portal. Here’s the exact process, step by step:
Step 1: Go to the official LIC website at licindia.in.
Step 2: Look for the ‘Bima Sakhi Yojana’ banner or link on the homepage and click it.
Step 3: Select the ‘Click Here for Bima Sakhi’ option to open the registration page.
Step 4: Fill in the application form with your full name, parentage details, permanent address, contact details, and educational qualifications.
Step 5: Upload your recent passport-size photograph and the required documents (age proof, address proof, 10th certificate, PAN).
Step 6: Review everything carefully and submit the application form.
After submission, LIC verifies your documents and eligibility. Selected candidates go through LIC’s training programme before starting fieldwork as Bima Sakhis. If you run into issues, the official helpline is +91-22-68276827, and there’s a WhatsApp contact at +91-8976862090.
A practical tip from my side: apply from a proper browser on a laptop or desktop rather than a phone if you can. Government portals and document uploads are consistently smoother on larger screens, and you’ll want to double-check every field before submitting.
Performance Targets: The Fine Print You Must Know
Here’s where I want to be completely honest with you, because this is the part that determines whether the stipend keeps coming. The monthly stipend is not automatic — it’s linked to business targets.
To receive the stipend in the first year, a Bima Sakhi must meet minimum monthly business norms. The standard first-year pattern works like this:
| Period (Year 1) | Lives Insured Per Month | First-Year Commission Per Month |
|---|---|---|
| First 4 months | 1 | ₹2,000 |
| Next 4 months | 2 | ₹4,000 |
| Last 4 months | 3 | ₹6,000 |
| Year 1 total | 24 lives | ₹48,000 |
In plain language: you need to insure 24 lives across the first year (roughly 2 policies a month on average), generating about ₹48,000 in first-year commission excluding bonuses. The targets ramp up gradually — LIC gives you 4 months to find your feet with just 1 policy a month.
For Year 2 and Year 3, the key condition is persistency: at least 65% of the policies you sold in the previous year must still be in force (premiums being paid). This is LIC’s way of rewarding genuine selling rather than one-time policy dumping. Sell to people who actually keep paying, and your stipend continues.
What Happens After 3 Years?
This is the question that separates serious applicants from casual ones, so let me answer it fully.
After the three-year stipendiary period ends, you don’t lose your career — you simply transition from “stipendiary trainee” to regular LIC agent. From that point, you earn commission exactly like any other LIC agent, under LIC’s standard agency rules. Given that you’ll have three years of client relationships and renewal income built up, many Bima Sakhis are actually earning more at this stage than during the stipend period.
And there’s a genuine growth ladder: graduate Bima Sakhis who complete the required agency years can be considered for LIC’s Apprentice Development Officer positions. A Development Officer recruits and manages a team of agents — it’s a proper managerial role inside India’s largest life insurer, with significantly higher earning potential.
So the honest framing is this: the 3-year stipend is LIC paying you to learn a profession. The profession itself is yours to keep.
Bima Sakhi vs Regular LIC Agent: What’s the Difference?
People often ask me how this differs from just becoming an LIC agent directly. Fair question — here’s the comparison:
| Aspect | Bima Sakhi (MCA Scheme) | Regular LIC Agent |
|---|---|---|
| Who can join | Women 18–70, 10th pass only | Anyone meeting LIC agency norms |
| Monthly stipend | ₹7,000 → ₹6,000 → ₹5,000 over 3 years | None — commission only from day one |
| Training | Structured 3-year training programme | Standard agent training |
| Performance incentive | ₹2,100/month linked to targets | As per standard commission rules |
| After 3 years | Becomes regular LIC agent | Continues as LIC agent |
| Development Officer path | Graduate Sakhis can be considered | Same eligibility after qualifying years |
The bottom line: Bima Sakhi is essentially “LIC agent with training wheels and a stipend.” If you’re a woman who wants to enter insurance but needs income support while learning, it’s strictly better than the regular route.
Bima Sakhi Yojana Last Date: Application Window Status
One of the most searched queries is “bima sakhi yojana last date” — and here’s the honest answer: LIC has not announced a fixed closing date. Applications are being accepted on a rolling basis through licindia.in, tied to the overall target of enrolling 2 lakh women over three years from the December 2024 launch.
What does that mean for you practically? Don’t wait for a “last date” announcement to take action. Rolling intakes can pause in a region once local targets fill up. If you’re eligible and interested, applying sooner is simply smarter than applying later. And always check licindia.in itself for the latest status — third-party sites (including this one) can lag behind official updates.
Who Should Apply? My Honest Take
After researching this scheme end to end, here’s my genuine read on who it’s actually good for:
- Homemakers re-entering work — the flexible hours and community-based selling fit around household responsibilities better than almost any other earning option I know.
- Young women in small towns — if a private-sector job would mean migrating to a city, this lets you build a career where you already live.
- SHG (self-help group) members — the scheme was partly designed with SHG women in mind; if you’re already a trusted face in your group, you have a head start.
- Anyone comfortable talking to people — insurance is a relationship business. If neighbours already come to you for advice, you have the core skill.
And who should think twice? If the idea of approaching people to discuss financial products makes you deeply uncomfortable, be honest with yourself — the stipend requires hitting sales targets, and targets require conversations. The training helps, but it can’t replace willingness.
Frequently Asked Questions
What is the LIC Bima Sakhi Yojana?
It is a women-exclusive stipendiary scheme by the Life Insurance Corporation of India, launched on December 9, 2024, by PM Narendra Modi. Women aged 18–70 who have passed 10th standard are trained as LIC insurance agents (Bima Sakhis) and receive a monthly stipend for three years plus commission on policies sold.
What is the Bima Sakhi Yojana salary per month?
Bima Sakhis receive a monthly stipend of ₹7,000 in the first year, ₹6,000 in the second y
One final tip about LIC Bima Sakhi Yojana: treat the LIC Bima Sakhi Yojana stipend years as paid training. Hit your LIC Bima Sakhi Yojana monthly targets, keep your LIC Bima Sakhi Yojana persistency above 65 percent, and the LIC Bima Sakhi Yojana career path opens up to Development Officer roles.
Ready to apply for LIC Bima Sakhi Yojana? Visit the official LIC Bima Sakhi Yojana page on the LIC website at licindia.in and look for the LIC Bima Sakhi Yojana banner. The LIC Bima Sakhi Yojana online application takes about fifteen minutes, and most LIC Bima Sakhi Yojana applicants are contacted by their nearest LIC branch within a few working days.
Still confused about LIC Bima Sakhi Yojana? Call the LIC Bima Sakhi Yojana helpline at +91-22-68276827 for guidance on your LIC Bima Sakhi Yojana application, LIC Bima Sakhi Yojana eligibility, or LIC Bima Sakhi Yojana documents. Remember, the LIC Bima Sakhi Yojana application is free — never pay anyone for LIC Bima Sakhi Yojana enrolment.
Quick LIC Bima Sakhi Yojana recap: LIC Bima Sakhi Yojana pays Rs 7,000 per month in year one, Rs 6,000 in year two, and Rs 5,000 in year three, plus commission and a Rs 2,100 monthly incentive. For women seeking flexible work, LIC Bima Sakhi Yojana is a genuine career launchpad — share this LIC Bima Sakhi Yojana guide with women in your community so more of them can join LIC Bima Sakhi Yojana.
If you found this LIC Bima Sakhi Yojana guide useful, bookmark it and revisit the LIC Bima Sakhi Yojana eligibility checklist before applying. LIC Bima Sakhi Yojana rewards consistent effort — start your LIC Bima Sakhi Yojana journey today.
ear, and ₹5,000 in the third year, subject to meeting performance targets. On top of this, they earn a ₹2,100 monthly performance incentive and regular LIC commission on every policy sold — around ₹48,000 in first-year commission if targets are met.
What is the eligibility for LIC Bima Sakhi Yojana?
Any Indian woman aged 18 to 70 years who has passed at least the 10th standard can apply. Relatives of existing LIC agents or employees, retired LIC employees, ex-agents seeking reappointment, and existing agents are not eligible.
How can I apply online for Bima Sakhi Yojana?
Visit licindia.in, click the ‘Bima Sakhi Yojana’ banner on the homepage, select ‘Click Here for Bima Sakhi’, fill in the application form with your personal and educational details, upload your photograph and documents, and submit. Applications are online-only.
What is the last date to apply for Bima Sakhi Yojana?
LIC has not announced a fixed last date. Applications are accepted on a rolling basis toward the target of 2 lakh women over three years. Check licindia.in for the latest application status in your region, and apply early rather than waiting.
What happens after the 3-year Bima Sakhi training period?
You continue as a regular LIC agent earning commission under standard LIC agency rules — the career doesn’t end, only the stipend does. Graduate Bima Sakhis who complete the required agency years can also be considered for LIC’s Apprentice Development Officer roles.
Final Thoughts
I’ll be straight with you: most “government scheme” articles I read are just rewritten press releases. This one felt different to research, because the Bima Sakhi Yojana isn’t a one-time benefit — it’s a career being offered to women who’ve historically been locked out of formal earning. ₹7,000 a month in Year 1 won’t make anyone rich, but combined with training, commission, renewal income, and a path to Development Officer roles, it’s one of the most thoughtfully designed women-empowerment schemes I’ve seen in a long time.
If you’re eligible, don’t overthink it. Gather your documents, head to licindia.in, and apply. And if this guide helped you, share it with a woman in your life who could use it — that share might be worth more than you think.
Related reads: If you’re exploring government-backed financial security, also check my guides on the PM Jeevan Jyoti Bima Yojana (₹2 lakh life cover at ₹436/year), the PM Suraksha Bima Yojana (accident cover at ₹20/year), and the PM Mudra Loan Yojana if you’re thinking of starting something of your own.
