Assessing The Benefits and Effectiveness of Gruha Lakshmi With Particular Reference To Opinions of Beneficiaries in Central Bangalore

International Journal for Multidisciplinary Research (IJFMR)
E-ISSN: 2582-2160 ● Website: www.ijfmr.com ● Email: [email protected]
Assessing the Benefits and Effectiveness of

Gruha Lakshmi with Particular Reference to
Opinions of Beneficiaries in Central Bangalore
Dr. Umakanth.S1, Nishanth Kumar2, Prakriti Yadav3, Sk Kaif4,
Brijesh D5, Vibhas Jain6
1
Professor & HOD, JAIN (Deemed to be University) – CMS – Bangalore
2,3,4,5,6
Student, JAIN (Deemed to be University) – CMS – Bangalore
Abstract
The Gruha Lakshmi program launched by the Government of Karnataka empowers women heads of
families by promoting gender equality. This study evaluates its impact through quantitative analysis of
Google Forms data, focusing on implementation procedures, beneficiaries and socio-economic impact.
The effectiveness of the program is evaluated through a system of integrated direct benefit transfer
mechanism, recognizing the pivotal role of women in management and well-being, the initiative aims to
address entrenched gender inequalities and promote socio-economic progress by providing insights into
policy-making and future research on women's empowerment.
Keywords: Gruha Lakshmi Scheme, Socioeconomic empowerment, Women’s empowerment, Financial

assistance, Social development
Introduction
Governments around the world recognize the importance of women's empowerment and gender equality
for socio-economic development. The Gruha Lakshmi Yojana, launched after the cabinet meeting in
Karnataka on May 20, 2023, empowers women by recognizing them as heads of families. This initiative
aims to address gender inequality and recognize the important role women play in families and
communities. By offering financial independence through various grants, the system supports women's
active participation in the country's growth. Beneficiaries include women from all socio-economic
backgrounds, excluding government employees, taxpayers or those whose husbands file income tax or
GST returns.
Review of Literature
Shamala B, T.Rajendra Prasad (2020) Economic changes in rural areas, including uneven rainfall
and fragmented land tenure, are forcing young people to move to cities for better opportunities. Many
end up in the informal construction sector, largely unregistered and unaware of welfare schemes. This
book aims to raise awareness. among migrant workers of existing welfare programs and examines the
underutilized fund. The study studied 107 workers at construction sites in Bangalore.
S. J. Sandhya (2015) Education empowers women to challenge traditional roles, reduce inequality and
IJFMR240215769 Volume 6, Issue 2, March-April 2024 1

improve their family status. In India, women's education is crucial for the development of the country.
However, the growth of rural women's education remains slow, leaving a significant number of illiterate
and vulnerable. The study examines the role of education in the empowerment of women and the status
of rural women's education in India.
Girish. D.H. (2020) This article looks at microfinance as a tool for economic development, especially
to help poor women. India's microfinance industry requires significant capital to sustain growth. The
target is 25-30% annual growth over three years. The sector grew by 36% in the year ending September
12, 2019. The largest target group is mainly rural women in Karnataka, which includes 99 percent of
microcredits, which contributes to increasing the financial inclusion of rural families.
Kallur, M S. (2001) In tribal societies, women play a central role but face inequalities in education,
employment, health and economic status. Data analysis and field observations reveal barriers such as
lack of education, poor health, limited opportunities for paid work, and the ability to organize. To
address these challenges, the government and NGOs must develop targeted plans and programs to
increase the economic empowerment of tribal women.
Dr. Ujjwal Kumar Halder (2018) Since 2013, West Bengal's KanyaShree Prakalpa program has
gained attention for its focus on unmarried girls aged 13-18 years in classes VIII-XII. It aims to empower
girls by addressing barriers beyond economic incentives, promoting social empowerment and respect.
This article examines the system's goals and efforts to respond to multifaceted challenges.
Dr. Mrinal Mukherjee (2017) Educating women is crucial because they are the backbone of society
that drives positive change. In West Bengal, as in other parts of India, patriarchal norms hindered the
education of girls. The Right to Education Act of 2009 sought to address this by ensuring equal access
to education for girls up to primary school.
Ahashanul Karim, Koyel Palit and Debjani Guha (2021) Empowering girls through education is
essential, but the COVID-19 pandemic has disrupted access to schooling nationwide. This study
examines the impact of the KanyaShree Prakalpa (KSP) program in West Bengal on girls' education
amidst these challenges. It highlights obstacles like poverty, the digital divide, household duties, and
nutrition issues. Despite these challenges, girls in the KSP program have demonstrated resilience in
pursuing education and empowerment.
Statement of the Problem:

The Gruha Laxmi initiative, aimed at empowering women and enhancing household financial stability,
has gained traction as a potential solution to address gender disparities and economic vulnerabilities.
However, there remains a gap in understanding the actual effectiveness and impact of Gruha Laxmi
programs. In the present study an effort is made to understand about how Graha lakshmi. The research has
made the effort to understand the challenges faced by beneficiary of Garah Lakshmi scheme which help
policy makers to modify the scheme and to reach the beneficiary
Research Objective
1. To analyze how this scheme is empowering women economically and socially by giving them 2000
thousand rupee per month
2. To understand the changes in the living conditions of women in urban and rural areas.
3. To find who housewives' can contribute to their families and offer them financial assistance, which
can help them feel more confident and self-aware.

4. To analyze how this scheme will change the living standards of a beneficiary's families.
Research Methodology
The paper used a quantitative approach to evaluate the Gruha Lakshmi Yojana in Karnataka, focusing on
beneficiaries such as housewives, landless women and agricultural workers. Data was collected through a
Google Forms survey, which ensured diverse representation. Privacy was maintained, and quantitative
and qualitative methods were used in the analysis.
Significance
Policymakers, practitioners, and development organizations must comprehend the efficacy of Gruha
Laxmi programs in order to maximize program design and implementation tactics. This research intends
to contribute to evidence-based suggestions that support gender equality and socioeconomic
empowerment at the household level by filling in the gaps that have been discovered.
Scope of study
The purpose of this research article is to examine the efficiency and consequences of the Karnataka Gruha
Lakshmi Scheme, which offers monthly financial assistance of Rs. 2000 to almost 1.28 crore women,
including housewives, landless women, and agricultural laborers. The study will investigate a number of
topics, including the socioeconomic results, beneficiary experiences, and the implementation process. It
will also evaluate the effectiveness of the Direct Benefit Transfer system employed in the program.
Data Analysis and Interpretation

Table 1 Showing age of the respondents
Sl.No Age of respondents No of respondents Percentage
1 Below 18 4 4.4%
2 18-30 74 81.3%
3 30-60 11 12.1%
4 Above 60 2 2.2%
Sources - Primary Data
Graph 1 Showing age of the respondents

Analysis and Interpretation

The research found that the majority of our respondents represents the age group of respondents with most
falling between 18-30 years of age with 81.3% of responses, followed by the 30-60 years age group of
12%, those below 18 years and those above the age of 60 years.
Table 2 Showing gender of the respondents

Sl.No Gender of respondents No of respondents Percentage
1 Female 41 45.1%
2 Male 49 53.8%
3 Others 1 1.1%
Source - Primary data
Graph 2 Showing gender of the respondents

The research found that the respondents represent the classification based on gender with over 45% being
females and 53% males; adding to the clarification of awareness of the scheme in the society, with 1%
being other genders.
Table 3 Showing occupation of the respondents

Sl.No Occupation of respondents No. of respondents Percentage
1 Student 57 62.6%
2 Self-employed 17 18.75
3 Employed 11 12.1%

Graph 3 Showing gender of the respondents

The research shows that over 62% of respondents are students which acknowledges the purpose of this
research paper to assess their views on the Gruha Laxmi scheme. They are followed by 18% Self-
Employed, 12% Employees and others.
Table 4 Showing opinions of the respondents on target population of scheme

Sl.No Opinions of respondents No of respondents Percentage
1 Economically disadvantaged families 38 45.8%
2 General population regardless of income 24 26.4%
3 Women only 1 23.1%
4 Specific age group 8 8.8%

Graph 4 Showing opinions of the respondents on target population of scheme

The research shows that over 40% of respondents believe that the Gruha Laxmi scheme is targeted towards
Economically disadvantaged families which shows that the scheme can potentially impact entire families
in the lower classes.

Table 5 Showing opinions of the respondents on funding of scheme

1 Combination of A, B, and C 39 42.9%
2 User fees and charges 18 19.8%
3 Private donations and contributions 17 18.7%
4 Government grants and subsidies 17 18.7%

Graph 5 Showing opinions of the respondents on funding of scheme

This research shows that the majority of the respondent population believes that the funding for the Gruha
Laxmi scheme is a joint effort by the government, private organizations, and other user fees and charges.
All three options have been chosen individually at a fairly equal rate.
Table 6 Showing answers of the respondents to if they know anyone eligible for this scheme
Sl.No Answers of respondents No of respondents Percentage
1 Yes 27 29.7%
2 No 36 39.6%
Graph 6 Showing answers of the respondents to if they know anyone eligible for this scheme


The research represents that about 30% of the respondents know or have known persons eligible for the
Gruha Laxmi Scheme while about 40% believe they do not know anyone who can take advantage of this
scheme.
Table 7 Showing opinions of the respondents on eligibility criteria for scheme

1 1 - strongly disagree 0 0%
2 2 - disagree 8 8.7%
3 3 - neutral 33 36.2%
4 4 - agree 38 41.7%
5 5 - strongly agree 12 13.1%

Graph 7 Showing opinions of the respondents on eligibility criteria for scheme

The research study represents that the majority of the respondents believe that the Gruha Laxmi scheme’s
eligibility criteria is well-justified with over 30% given 4/5 points to scale.
Table 8 Showing opinions of the respondents on financial needs being satisfied from scheme
1 1 - strongly disagree 7 7.6%
2 2 - disagree 11 12.08%
3 3 - neutral 36 39.5%
4 4 - agree 28 30.7%


Graph 8 Showing opinions of the respondents on financial needs being satisfied from scheme

Fig. 8 represents that over 30% of respondents feel that the scheme might be able to address the financial
needs of women in their localities, while about 20% of respondents agree that financial needs are met
through the Gruha Laxmi Scheme.
Table 9 Showing opinions of the respondents on if scheme is easy to avail

2 2 - disagree 9 9.8%
3 3 - neutral 35 38.4%
4 4 - agree 33 36,2%

Graph 9 Showing opinions of the respondents on if scheme is easy to avail

Fig. 9 shows that the majority of the respondents of about 55% believe that the Gruha Laxmi scheme is
easily accessible to all, while over 17% respondents believe that the scheme is not so accessible to the
women of their localities and hence, utilization of such a yojana might be hindered.
Table 10 Showing opinions of the respondents for enhancement of scheme

2 2 - disagree 14 15.3%
3 3 - neutral 29 31.8%
4 4 - agree 32 35.1%

Graph 10 Showing opinions of the respondents for enhancement of scheme

Fig. 10 shows that over 50% of the respondents think that there are still many complementary benefits and
services that could be incorporated into the scheme to enhance its overall impact.
Table 11 Showing opinions of the respondents on if scheme is can improve housing needs
2 2 - disagree 9 9.8%
3 3 - neutral 32 35.1%
4 4 - agree 27 29.6%


Graph 11 Showing opinions of the respondents on if scheme can improve housing needs

Fig. 11 represents that over 45% respondents believe that the scheme significantly improves the living
conditions of the beneficiaries, followed by 15% believing the scheme would satisfy housing needs
greatly.
Table 12 Showing opinions of the respondents on if scheme can be recommended

2 2 - disagree 7 7.69%
3 3 - neutral 29 38.4%
4 4 - agree 28 30.7%

Graph 12 Showing opinions of the respondents on if scheme can be recommended

Fig. 12 shows that about 70% respondents are likely to recommend the Gruha Laxmi scheme to eligible
people in their vicinity. This shows that the appeal of the scheme is sufficient to enable a word-by-word

awareness.
Table 13 Showing opinions of the respondents on if scheme can help with children’s education
2 2 - disagree 13 14.2%
3 3 - neutral 26 28.5%
4 4 - agree 31 34.06%

Graph 13 Showing opinions of the respondents on if scheme can help with children’s education

Fig. 13 represents that over 80% respondents believe that the benefits of the Gruha Laxmi scheme allow
for eligible women to provide for their children's education, whereas about 20% of the respondents believe
that the scheme on its own would not be able to tackle the needs of education of the beneficiaries
Table 14 Showing opinions of the respondents on if scheme is empowering

2 2 - disagree 10 10.9%
3 3 - neutral 28 30.4%
4 4 - agree 27 29.6%


Graph 14 Showing opinions of the respondents on if scheme is empowering

Fig. 14 represents that the majority of the respondents believe that the Gruha Laxmi Scheme significantly
empowers women through the benefits it offers. This shows that the scheme is well received by the society
at large and it's objectives are rightly placed to attain the goals of women empowerment and sustainance
of their families.
Table 15 Showing opinions of the respondents on if scheme will solve budget problems
2 2 - disagree 11 12.08%
3 3 - neutral 31 34.06%
4 4 - agree 28 30.07%

Graph 15 Showing opinions of the respondents on if scheme will solve budget problems


Fig. 15 represents that 80% of the respondents believe that the scheme helps in solving the economic
problems faced by the eligible women. Such a view helps in ascertaining the impact of the scheme and
the limit of its benefits as represented by the other 20% who feel that there are shortcomings of the scheme.
Table 16 Showing opinions of the respondents on if scheme has technical problems

2 2 - disagree 14 15.3%
3 3 - neutral 22 24.1%
4 4 - agree 31 34.06%

Graph 16 Showing opinions of the respondents on if scheme has technical problems

Fig. 16 represents 60% of the respondents feel that the dispatch process of the scheme’s monteray benefits
are very good. Whereas about 30% of the respondents believe that the dispatch process has certain
limitations and hindrances are present.
Table 17 Showing opinions of the respondents on if scheme officers require training

2 2 - disagree 13 10.4%
3 3 - neutral 32 35.1%

4 4 - agree 29 31.8%

Graph 17 Showing opinions of the respondents on if scheme officers require training

Fig. 17 represents that a majority of respondents - about 80% feel that the officials at the women and child
department need to be trained in order to prevent any technical delays and glitches. This shows that the
training currently provided by the department are insufficient and necessary changes need to be
implemented for wide acceptance of the scheme.
Table 18 Showing opinions of the respondents on if scheme has technical barriers

2 2 - disagree 10 11.3%
3 3 - neutral 29 31.8%
4 4 - agree 30 32.9%

Graph 18 Showing opinions of the respondents on if scheme has technical barriers


Fig. 18 represents that an outstanding majority of the respondents believe that the scheme requires correct
data in order to function properly without any bottlenecks in the system for processing and analysis for
the data and segregating the benefits eligible for each beneficiary.
Table 19 Showing opinions of the respondents on if the scheme has a technical barrier
2 2 - disagree 10 11.2%
3 3 - neutral 31 35.6%
4 4 - agree 31 35.6%

Graph 19 Showing opinions of the respondents on if the scheme has a technical barrier

Fig. 19 shows that over 80% of respondents believe that languages and grammatical differences contribute
to the technical glitches during the process of assigning names and benefits to the beneficiaries of the
scheme.
Table 20 Showing opinions of the respondents on if the scheme addresses housing problems in the
city
2 2 - disagree 13 14.2%
3 3 - neutral 32 34.1%

4 4 - agree 27 29.8%

Graph 20 Showing opinions of the respondents on if the scheme addresses housing problems

Fig. 20 represents that only 20% of the respondents believe that the scheme does not satisfy the housing
needs of the beneficiaries, whereas 80% majority of the respondents believe that the scheme fairly satisfies
the housing needs and solves related problems in the city for the benefit of the beneficiaries.
Table 21 Showing opinions of the respondents on clarity of objectives of the scheme

2 2 - disagree 17 19.4%
3 3 - neutral 22 25.9%
4 4 - agree 32 35.1%

Graph 21 Showing opinions of the respondents on clarity of objectives of the scheme


Fig. 21 represents that about 70% of respondents feel that they have adequately understood the objectives
and aims of the Gruha Laxmi scheme in Bangalore. This calls for more viable and effective awareness,
education programs in the urban areas.
Table 22 Showing opinions of the respondents on if they know eligible families for the scheme
2 2 - disagree 6 6.5%
3 3 - neutral 24 26.3%
4 4 - agree 26 28.5%

Graph 22 Showing opinions of the respondents on if they know eligible families for the scheme

Fig. 22 represents that about 20% of respondents are not eligible for the scheme, whereas about 60% or
the respondents are eligible for the scheme or their families are eligible for registration as beneficiaries
under the scheme.
Table 23 Summary of all questions and their responses

Sl. Statement 1 2 3 4 5
no (strongly (disagree) (neutral) (agree) (strongly
disagree) agree)
1. Does the eligibility 0 8 23 29 12

criteria seem justified for
this scheme?

2. Does the Gruha Laxmi 7 10 29 17 9

Yojana seem to address
the financial needs of
women in your locality?
3. The scheme of Gruha 8 8 24 26 6

Laxmi Yojana is easy to
avail and utilize?
4. Are there any 3 14 19 25 11

complementary support
services or initiatives that
you believe could
enhance the Gruha Laxmi
Yojana's effectiveness?
5. Do you think the Gruha 7 9 25 17 14

Laxmi scheme would
contribute to satisfying
housing needs and
improving living
conditions of the
beneficiaries?
6. Would you recommend 4 6 22 22 18

the Gruha Laxmi scheme
to others who may be
eligible?
7. Would this scheme help 4 13 19 20 16

the women gather money
for their children's
education?
8. Is the Gruha Laxmi 5 9 21 19 18

scheme considered
empowering for women?
9. Would the Gruha Laxmi 4 11 22 20 15

scheme be sufficient to
solve the economic
problems of those that are
eligible for it?
10. Do you think there is a 3 12 15 24 18

technical problem with

the process of dispatching
money into the
beneficiaries accounts?
11. Do you think officers 4 12 23 21 12

from the woman and
child department require
training to prevent
delays?
12. Would frozen bank 5 10 20 23 14

accounts, mismatch in
names and faulty aadhar
cards make it difficult for
this scheme to
successfully run?
13. Does language seem to be 5 10 22 23 12

a technical barrier to this
scheme? (for example:
some names written in
kannada have an
additional 'a' in bank
accounts which is not the
same in their Aadhaar)
14. Does this scheme address 6 12 24 18 12

the issues of housing in
the city?
15. Is your understanding of 6 16 15 25 11

the objectives of the
Gruha Laxmi scheme
clear?
16. Is your family eligible for 16 4 22 24 8

this scheme?
(source: primary data)

Table 23 represents the accumulated summary of the questions from the questionnaire and the number of
responses collected.

Findings of the study:

The survey asked respondents about their knowledge on the effectiveness and benefits of Gruha Lakshmi
Yojana, the summary of the findings are as below.
1. 4.4 % of the respondents were below 18 years, 81.3 % of the respondents were aged between 18-30
years, 12.1% were aged between 30-60 years and 2.2% were above 60 years.
2. 45.8% of the respondents chose economically disadvantaged families, 26.4% chose the general
population, 23.1% chose women only, 8.8% chose the specific age group.
3. 41.7% of the respondents agree that the eligibility criteria for the scheme is justified, this will help the
government empower the women that belong to BPL families rightfully.
4. 38.4% respondents have opted for “neutral” for if the scheme is easy to avail, respondents believe that
it is not an easy process to avail the scheme. The government may work on the process of application
and make the process more smooth.
5. Around 35.1% of the respondents have opted “neutral” as their option for whether the scheme can help
with housing needs. They believe that providing rupees 2000 per month may not be sufficient and that
the government can work on adding more benefits regarding housing or increase the amount of money
given.
6. 38.4% of the respondents believe that this scheme is recommendable and can uplift the lives of women
that are the heads of their homes or those that fall under BPL category.
7. 35.6% respondents have chosen both “neutral” and “agree” when it comes to technical barriers being
present while registering for the scheme s majority cannot apply for it due to differences in name
spellings on aadhar and records. The government will have to look for alternative identification to
make the process easier and faster.
8. Respondents strongly agree that this scheme can help with the beneficiary’s children's education.
About 18.6% of the respondents have strongly agreed with this statement.
Suggestions:
1. Awareness campaigns: Launching large-scale campaigns for eligible women, especially in rural areas,
through various channels such as community radio, mobile phones and digital platforms using local
languages to ensure maximum reach.
2. Accessible application process: Simplification of the application. process through online services,
mobile centers and support points in rural areas and clear guidance and support services.
3. Financial Literacy Programs: We introduce programs in partnership with financial institutions and
NGOs to train women to manage their monthly stipend, including budgeting and saving.
4. Women Skills Development: Provides tailored skills development programs that focus on
entrepreneurship and vocational training to promote financial independence.
5. Monitoring and evaluation: Establish strong mechanisms to track progress and measure results through
regular evaluations, ensuring transparency and accountability.
Conclusion:
Our study of the Gruha Laxmi scheme in central Bangalore highlights its positive impact in improving
living conditions, meeting housing needs and providing educational support to women. This significantly
contributes to the empowerment of women and their socio-economic status, as well as the promotion of
entrepreneurship and gender equality. However, challenges such as outreach, bureaucratic complexity and

oversights hamper its effectiveness. We recommend targeted information campaigns, simplified

administrative procedures and effective monitoring to maximize the impact of the scheme and ensure
equal access. Our results highlight the importance of continued efforts to address implementation
challenges and promote political engagement. Overall, our research supports a continued commitment to
harnessing the full potential of the system to empower women and promote socio-economic development.
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International Journal for Multidisciplinary Research (IJFMR)

E-ISSN: 2582-2160 ● Website: www.ijfmr.com ● Email: [email protected]

Assessing the Benefits and Effectiveness of

Keywords: Gruha Lakshmi Scheme, Socioeconomic empowerment, Women’s empowerment, Financial

IJFMR240215769 Volume 6, Issue 2, March-April 2024 1

Statement of the Problem:

IJFMR240215769 Volume 6, Issue 2, March-April 2024 2

Data Analysis and Interpretation

Graph 1 Showing age of the respondents

IJFMR240215769 Volume 6, Issue 2, March-April 2024 3

Analysis and Interpretation

Table 2 Showing gender of the respondents

Graph 2 Showing gender of the respondents

Analysis and Interpretation

Table 3 Showing occupation of the respondents

IJFMR240215769 Volume 6, Issue 2, March-April 2024 4

Graph 3 Showing gender of the respondents

Analysis and Interpretation

Table 4 Showing opinions of the respondents on target population of scheme

1 Economically disadvantaged families 38 45.8%

2 General population regardless of income 24 26.4%

3 Women only 1 23.1%

4 Specific age group 8 8.8%

Graph 4 Showing opinions of the respondents on target population of scheme

Analysis and Interpretation

IJFMR240215769 Volume 6, Issue 2, March-April 2024 5

Table 5 Showing opinions of the respondents on funding of scheme

1 Combination of A, B, and C 39 42.9%

2 User fees and charges 18 19.8%

3 Private donations and contributions 17 18.7%

4 Government grants and subsidies 17 18.7%

Graph 5 Showing opinions of the respondents on funding of scheme

Analysis and Interpretation

IJFMR240215769 Volume 6, Issue 2, March-April 2024 6

Analysis and Interpretation

Table 7 Showing opinions of the respondents on eligibility criteria for scheme

5 5 - strongly agree 12 13.1%

Graph 7 Showing opinions of the respondents on eligibility criteria for scheme

Analysis and Interpretation

1 1 - strongly disagree 7 7.6%

IJFMR240215769 Volume 6, Issue 2, March-April 2024 7

5 5 - strongly agree 9 9.8%

Analysis and Interpretation

Table 9 Showing opinions of the respondents on if scheme is easy to avail

1 1 - strongly disagree 8 8.7%

5 5 - strongly agree 6 6.5%

Graph 9 Showing opinions of the respondents on if scheme is easy to avail

Analysis and Interpretation

IJFMR240215769 Volume 6, Issue 2, March-April 2024 8

Table 10 Showing opinions of the respondents for enhancement of scheme

1 1 - strongly disagree 3 3.2%

5 5 - strongly agree 13 14.2%

Graph 10 Showing opinions of the respondents for enhancement of scheme

Analysis and Interpretation

1 1 - strongly disagree 7 7.69%

5 5 - strongly agree 16 17.5%

IJFMR240215769 Volume 6, Issue 2, March-April 2024 9

Analysis and Interpretation

Table 12 Showing opinions of the respondents on if scheme can be recommended