Sarkari Yojana
Ladli Beti Scheme
About Ladli Beti Scheme
The Government of the Union Territory of Jammu and Kashmir implements the “Ladli Beti” scheme through Jammu and Kashmir Bank to give eligible girl children financial support over the long term. The girl’s natural or legal guardian opens a recurring deposit account, into which the Government puts ₹1,000/- per month for 14 years, provided the beneficiary is eligible and the Social Welfare Department approves. On maturity, the recurring deposit turns into a cumulative term deposit account, and the maturity amount is released once the beneficiary reaches the prescribed age and fulfils the scheme’s conditions. The scheme works as a hybrid deposit plan in two phases:
- Phase I: A 14-year recurring deposit, completing one month after the final installment is received in the account.
- Phase II: A 7-year Cumulative Term Deposit (CCR).
Once Phase I (recurring deposit account) matures, the account moves into Phase II (Cumulative Term Deposit account). The J&K Govt. makes the monthly contribution of ₹1000/- during Phase-I. Parents’ annual income from all sources must be below ₹75,000. The Application Form, KYC Norms of the Parent/ Guardian, and a sanction letter from the CDPO (Child Development Project Officer) are needed.
Scheme Overview
State Government
Individual
Scheme Details
Eligibility Requirements
To qualify for Ladli Beti Scheme, applicants must satisfy the following conditions:
Only girls born on or after 01/04/2015 are…
Only girls born on or after 01/04/2015 are covered.
Her parents must earn less than ₹75,000 a…
Her parents must earn less than ₹75,000 a year from all sources combined.
Both the girl child and her family need…
Both the girl child and her family need to reside in Jammu & Kashmir.
Benefits Provided
Ladli Beti Scheme provides the following benefits to eligible applicants:
Benefits & Features:
The girl child's natural or legal guardian opens…
The girl child's natural or legal guardian opens the recurring deposit account under this scheme.
Starting from the girl's birth/account opening date, the…
Starting from the girl's birth/account opening date, the J&K Government deposits Rs. 1000/- per month for the next 14 years. (The UT's total contribution is Rs. 168000/- only.)
During Phase I (RD Account), the only credit…
During Phase I (RD Account), the only credit permitted is the J&K Government's monthly Rs. 1000/- contribution.
When Phase I (recurring deposit account) matures, the…
When Phase I (recurring deposit account) matures, the account graduates to Phase II (Cumulative Term Deposit account).
Partial drawls or Foreclosure are not permitted in…
Partial drawls or Foreclosure are not permitted in any phase under any circumstances.
The maturity amount is credited to the girl…
The maturity amount is credited to the girl child's savings bank account when she completes 21 years of age, or 21 years after the first installment, or 85 months after the last installment, whichever is later. She is free to reinvest the money in any of the bank's deposit plans at card rates.
The scheme offers no nomination facility
The scheme offers no nomination facility. Should the girl child unfortunately die, the account is closed at once and the balance with accrued interest returns to the Union Territories of J&K and Ladakh;
If the beneficiary dies before turning 21 years…
If the beneficiary dies before turning 21 years of age, the Recurring Deposit account / Term Deposit account is closed before maturity with no pre-payment charges.
An account opened at one branch cannot be…
An account opened at one branch cannot be shifted to another branch, even when the girl child moves away from the city or locality where the account is held.
Every three years, and again at maturity, the…
Every three years, and again at maturity, the beneficiary/parent or guardian must present to the bank branch a 'life certificate of the beneficiary (girl child)' certified by a gazetted officer or by the principal of the school/ college where she studies.
Since the scheme targets households earning less than…
Since the scheme targets households earning less than 75000/- a year, no TDS is deducted so long as the guardian/beneficiary submits form 15G/15H annually and holds a valid PAN
Documents Required
Applicants should keep the following documents ready before starting the application:
Application Form, completely filled and signed
Application Form, completely filled and signed
CDPO (Child Development Project Officer) Sanction Letter
CDPO (Child Development Project Officer) Sanction Letter
Parents'/Legal Guardians' Identity Proof (Aadhaar Card, Passport, Voter…
Parents'/Legal Guardians' Identity Proof (Aadhaar Card, Passport, Voter Id Card, Driving License, etc.)
Parents'/Legal Guardian's Address Proof (Aadhaar Card, Voter Card,…
Parents'/Legal Guardian's Address Proof (Aadhaar Card, Voter Card, Utility Bills, PAN Card, etc.)
Parent's/Guardian's Domicile Certificate
Parent's/Guardian's Domicile Certificate.
The girl child's Birth Certificate
The girl child's Birth Certificate
Girl child's Aadhaar Number
Girl child's Aadhaar Number
Parent's/Guardian's Aadhaar Number
Parent's/Guardian's Aadhaar Number.
Recent Passport Size Photographs of the girl
Recent Passport Size Photographs of the girl
Bank Account Details, i.e
Bank Account Details, i.e. a copy of the passbook's first page
Parent's/Guardian's Income Certificate showing income of ₹ 75000/-…
Parent's/Guardian's Income Certificate showing income of ₹ 75000/- per annum or less.
How to Apply
Online Application
Applicants can apply for Ladli Beti Scheme through the online application process outlined below.
Application Portal: Open Application Portal ↗
First create login details by registering on the…
First create login details by registering on the Service Plus Portal, then sign in via the JanSugam Portal or e-UNNAT.
Choose "Apply for Services" from the left side…
Choose "Apply for Services" from the left side of the screen and look up "Application for obtaining financial assistance under Ladli Beti Scheme".
Attach the mandatory documents and press 'SUBMIT' to…
Attach the mandatory documents and press 'SUBMIT' to send in the application.
Save the Acknowledgement for your records
Save the Acknowledgement for your records. Application status can be followed at different levels, and feedback can be given through the Rapid Assessment System (RAS).
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.