**Policy Summary: Bihar Rajya Jeevika Nidhi Saakh Sahkari Sangh Limited Launch**
On September 2, 2025, Prime Minister Narendra Modi will launch the Bihar Rajya Jeevika Nidhi Saakh Sahkari Sangh Limited via video conference. A transfer of ₹105 crore will be made to the institution's bank account on the occasion. The Jeevika Nidhi aims to provide affordable access to funds for rural women entrepreneurs associated with Jeevika self-help groups, reducing their reliance on microfinance institutions with high interest rates (18-24%). All registered cluster-level federations of Jeevika will become members of the Society. Funding will be provided by both the Government of Bihar and the Central Government. The Jeevika Nidhi will operate on a fully digital platform to ensure direct and transparent fund transfers to beneficiaries, known as "Jeevika Didis." To facilitate the digital operation, 12,000 community cadres will be equipped with tablets. The initiative anticipates strengthening entrepreneurship development among rural women and accelerating the growth of community-led enterprises. Approximately 2 million women from across Bihar are expected to participate in the event. This initiative is being overseen by the Prime Minister's Office and was announced by PIB Delhi on September 1, 2025, at 3:28 PM. The MJPSSR Release ID is 2162651.
Key Entities Referenced
Prime Minister Narendra Modi: The Prime Minister of India who will launch the Jeevika Nidhi.
Bihar Rajya Jeevika Nidhi Saakh Sahkari Sangh Limited: A cooperative society being launched to provide affordable access to funds for rural women entrepreneurs in Bihar.
Jeevika: Refers to self-help groups in Bihar, also associated with community members and cluster level federations.
Government of Bihar: The state government of Bihar, which will contribute funds to the Jeevika Nidhi.
Rs. 105 crore: The amount of money to be transferred into the institution's bank account by the Prime Minister.
Microfinance Institutions (MFIs): Financial institutions that the Jeevika Nidhi aims to reduce dependence on due to their high interest rates.
Bihar: State in India where the Jeevika Nidhi will operate.
Jeevika Didis: Refers to women associated with Jeevika self-help groups in Bihar, who will receive funds directly into their bank accounts.
Prime Minister's Office
PM to Launch Bihar Rajya Jeevika Nidhi Saakh
Sahkari Sangh Limited on 2nd September
Jeevika Nidhi to Provide Affordable Access to Funds
for Rural Women Entrepreneurs
Jeevika Nidhi to operate entirely on Digital Platform
Ensuring Direct and Transparent Fund Transfers
Posted On: 01 SEP 2025 3:28PM by PIB Delhi
Prime Minister Narendra Modi will launch Bihar Rajya Jeevika Nidhi Saakh Sahkari Sangh Limited on 2nd
September at 12:30 PM via video conferencing. On the occasion, Prime Minister will also transfer Rs. 105
crore into the institution’s bank account.
The objective of establishing the Jeevika Nidhi is to provide easy access to funds at affordable
interest rates to community members associated with Jeevika. All registered cluster-level
federations of Jeevika will become the members of the Society. For the operation of this institution,
the Government of Bihar as well as the Central government will contribute funds.
Entrepreneurship has flourished among women associated with Jeevika’s self-help groups over the
years, leading to the establishment of numerous small enterprises and producer companies in rural
areas. However, women entrepreneurs have often been compelled to depend on microfinance
institutions charging high interest rates of 18%–24%. The Jeevika Nidhi has been conceived as an
alternative financial system to reduce dependence on MFIs and ensure the timely availability of
larger loan amounts at lower interest rates.
The system will operate entirely on a digital platform, ensuring faster and more transparent fund
transfers directly into the bank accounts of Jeevika Didis. To facilitate this, 12,000 community
cadres are being equipped with tablets.
This initiative is expected to strengthen entrepreneurship development among rural women and
accelerate the growth of community-led enterprises. Around 20 lakh women from across the state of
Bihar will witness this event.
***
MJPS/SR
(Release ID: 2162651)