PMMVY Himachal Pradesh covers women across HP’s 12 districts, from densely populated Kangra and Mandi to the remote high-altitude tribal districts of Kinnaur and Lahaul-Spiti. Registration uses the national portal at pmmvy.wcd.gov.in. Himachal Pradesh has above-average PMMVY payment efficiency due to strong banking infrastructure in lower districts, but remote tribal districts face unique challenges that …