Bengaluru: Ninety-nine per cent of women benefitting from Gruha Lakshmi have full control of the money they get under the scheme, but many of them faced delays in payouts, leading to high financial stress, a study has shown.

The study -- From Guarantees to Rights: Assessing Karnataka's Experiment with Basic Income and Basic Services led by Prabha Kotiswaran from King's College London -- covered 2,045 women, which included 1,234 Gruha Lakshmi beneficiaries.

Gruha Lakshmi is the largest of the five 'guarantee' schemes covering 1.24 crore women.

\"99% of the beneficiaries reported having full control over their money. The Rs. 2,000 monthly payment...represented 13% of the household income for those in the treatment group (1,234 respondents),\" the study said.

However, 78% of beneficiaries

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