19 Jun 2020

The Amma Two-Wheeler Scheme was launched by Prime Minister Narendra Modi in February 2018 to commemorate the 70th birth anniversary of former Tamil Nadu chief minister Jayalalithaa, who was affectionately referred to as Amma. The scheme promises a subsidy of 50% of up to Rs 25,000/- for working women who seek to purchase a two wheeler. The rest of the cost has to be borne by the applicant through a bank/ institutional loan or through her own funds. The Amma Two Wheeler Scheme covers only gearless or auto gear two wheelers and is meant to benefit 100,000 women each year.

Benefits of the Amma two wheeler scheme

As more and more young women in India seek higher education and enter the workforce, policymakers are trying to make communication to educational institutes and workplaces safer and easier for women. Giving away free bicycles to school going girls and subsidizing means of transport in cities are some of the measures that various state governments have taken in recent times towards making it easier for women to commute. The Amma two-wheeler scheme is another effort in that direction.

Eligibility for Amma two-wheeler scheme

  1. The eligibility criterion of age was 18 years to 40 years initially. The upper age limit was revised to 45 years last year so that more women can avail the scheme

  2. To benefit from scheme one has to be a native of Tamil Nadu and be residing in the state

  3. The candidate should be employed for a wage or some livelihood activity either individually or in a group

  4. The candidate should know how to ride a two wheeler. They have to show a valid two-Wheeler driving licence or a learner’s licence

  5. The annual income of an applicant should not be more than Rs 2,50,000/-

  6. The applicant should have appeared for class 8th exams. Both those who passed and those who failed are eligible

Eligible beneficiaries under the Amma two-wheeler scheme

The Tamil Nadu government also gave a list of beneficiaries from the scheme besides the minimum eligibility criteria. Following are some of the factors that can help one get preference to avail the Amma two wheeler scheme:

  1. Widows, women in remote areas, those above 35 years and not married, transgenders, women from scheduled castes and scheduled tribes will be given priority.

  2. Applicants who have to commute a long distance.

  3. Women working in community-based organisations such as panchayat level federations, village poverty reduction committees, those registered as workers in the organized and unorganised sectors.

  4. Women with any disabilities will be given preference.

  5. Applicants who are Accredited Social Health Activist (ASHA) workers.

  6. Women whose income is the primary source of income in a household.

  7. Those working in government-aided organizations, shops, establishments and government projects.

Reservation quota for the Amma two-wheeler scheme

  1. 21% of the allocation will be reserved for scheduled castes (SC).

  2. 1% of the allocation will be reserved for scheduled tribes (ST).

  3. 4% of the allocation will be reserved for differently abled applicants across all categories.

Specifications of the Amma two wheeler

  1. Any gearless or auto-geared motorised two wheeler can be chosen as by the applicant.

  2. The vehicle has to be brand new which means it can't be a second hand two wheeler.

  3. The two wheeler should have a maximum engine capacity of 125cc .

  4. The scooter should have been manufactured on or after the date of 1st January 2018.

**The state transport department will not allow change in ownership of the vehicle as a result of sale or other reasons without approval from competent government authorities for three years after the scheme is availed.

How to apply for the Amma two wheeler scheme?

  1. Go the Amma Two Wheeler Scheme page of Tamil Nadu Corporation For Development of Women (http://www.tamilnadumahalir.org/tnatws.html)

  2. Download the application form — Rural or Urban as applicable in your case

Documents required for Amma Two Wheeler Scheme Application

  • Aadhar card

  • Driving License / LLR (Learner License Registration)

  • Community certificate (in case of SC/ST)

  • Proof of education (8th pass/fail)

  • Proof of employment

  • Salary certificate from organisation/employer's certificate/self declaration for self employed

  • Bank passbook first page with account no. & IFSC code

  • ID card from organisation, if available

  • Proof for claim under priority category

  • Invoice / Quotation for the vehicle to be purchased

Loan facilities

The beneficiary of the Amma two-wheeler scheme can purchase a scooter of her choice from her own funds or by availing loans from banks/non-banking finance companies (NBFCs) governed by Reserve Bank of India (RBI) rules. Reimbursement of subsidy to the beneficiary will be allowed in case the Amma two wheeler is purchased from her own funds, subject to the fulfillment of the other conditions specified for eligibility.

Be safe and secure

Riding a scooter on Indian roads has its own risks. As such it is important to insure your Amma two-wheeler with an underwriter who promises seamless service and comprehensive coverage for your vehicle. You can purchase a two wheeler insurance cover which is available on Finserv MARKETS. A comprehensive insurance plan is extended to both the rider and the scooter besides the liability of any damage done to a third party insurance. You can buy a Two Wheeler Insurance cover starting at Rs 482/- per year on Finserv MARKETS.


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