Policies for Girl Child Government Schemes for Girl Child

Policies for Girl Child/Government Schemes for Girl Child

Schemes by the Central Government:

Beti Bachao, Beti Padhao:

Launched with initial funding of ₹100 crore the scheme aims to address the issue of the declining child sex ratio image (CSR) and is a national initiative run jointly by the Ministry of Women and Child Development, the Ministry of Health and Family Welfare and the Ministry of Human Resource Development.

Beti Bachao Beti Padhao is a central government scheme for girl child schemes which is applicable throughout the country. The key objective of this scheme is to save the girl child from social ills such as gender-biased abortions and advance the education of girl children all over the country.

This scheme was initially targeted at districts that were recognized to have low sex ratio i.e. fewer women children as compared to male children but was later expanded to include other parts of the country as well. This is primarily an education-based initiative to help change social attitudes and does not involve direct cash transfer.

Key objectives of this social welfare scheme for girl child include:
Preventing gender-biased selective abortions
Ensuring survival and protection of girl child in infancy
Ensuring education and participation of the girl child.
  • It’s focused on multi-sector action in 100 districts across the country with a low CSR.
  • Aims at generating awareness about the importance of girl children and improving the efficiency of welfare services intended for girls in India.
  • Working towards preventing female infanticide.
  • Under the BBBP scheme, even district-level education officials must ensure that the benefit of free elementary education reaches all the girls in their area.
To know more about the scheme, Click here
Sukanya Samriddhi Yojna

Part of the ‘Beti Bachao, Beti Padhao’ campaign, this Government of India backed saving scheme is targeted at the parents of girl children. The programme encourages them to build a fund for future education and marriage expenses for their female child. This account can be opened before the girl child is 10 years old and contributions need to be made for 15 years after opening the account.
Parents can start saving early as the minimum amount of investment required is small, and the account is active for 14 years from the date of opening the account.

Flexible deposit option with an initial deposit as low as Rs. 1000 up to Rs. 1.5 lakh annually.
A high fixed rate of return currently 8.5% as of Q4 FY 2018-19.
Tax deduction benefit under section 80C of the IT Act 1961.
Completely tax-exempt investments as the principal invested, maturity amount and interest earned are all exempt.
Partial withdrawal option is available for the higher education of girl child.
Can be availed across India at any PSU bank, India Post Office and at select private sector banks.
Long term investment as investments can be made for 15 years after opening the account.

  • It has tax benefits and an interest rate of 9.1%.
  • It is meant for girls under the age of 10 years.
  • You can start the account with just Rs 1,000.
  • The maximum deposit is Rs 1,50,000 per year.
Balika Samridhi Yojna:

This scheme was launched by the Government of India on 15th August 1997 and covered all girls born on or after 15 August 1997 who are below the poverty line. Aimed at offering financial aid to girl children born on or after 15 August 1997, the schemes key objectives include improving the enrolment and retention of the girl child in schools and helping raise daughters until their legal age of marriage. If successful, young girls will get an education that will help them with jobs to generate a steady income.

  • Gift deposit of Rs 500 at birth and second fixed amount deposited every year of school she progresses until class 10.
  • Up to Class 3rd - Rs 300 per year
  • For Class 4 - Rs 500 per year
  • For Class 5 - Rs 600 per year
  • For Class 6 & 7- Rs 700 per year
  • For Class 8 - Rs 800 per year
  • For Class 9 & 10 - Rs 1000
  • Only one girl child per family can use this scheme.
CBSE Udaan Scheme/ Scholarship Scheme/Policy for Girl Education:

This central government scheme is available at Government CBSE schools only. It is applicable for one girl child per family across India and aims to supplement the school tuition fee.The focus of this scheme is to increase the enrollment of girls in prestigious engineering and technical colleges across India.

The scheme includes efforts that are made in order to enrich the learning experience with special focus of girl students who are from the economically backward sections of society.

The following are the key features of the CBSE Udaan Scheme:

The free course material/online resources such as video study material for girl students in 11th and 12th standard
Virtual contact classes on weekends for girl students in 11th and 12th
Peer learning and mentoring opportunities for meritorious girl students.
Study helpline services to clarify the doubts of students.
Constant monitoring and tracking of students’ progress.
Eligibility for CBSE Udaan Scheme
The following are key eligibility criteria for enrolment in the Udaan Scheme:

Girl students who are Indian citizens residing in India.
Girl student must be enrolled in Physics, Chemistry or Mathematics stream in class 11th and 12th studying in CBSE affiliated schools.
Annual family income of student must not exceed Rs. 6 lakh annually.
Merit-based selection subject to specific criteria.
Applicants of this scheme can do so through their respective CBSE-affiliated schools. To know more you can visit the Official CBSE Udaan Scheme page.

  • Relaxation of Rs 500 per month in school tuition fee.
  • The girl should have scored at least 60% or 6.2 CGPA in her 10th board exams.
  • The girl child should be the single girl child of her parents.
  • Her school fees should not be more than Rs 1500 a month.
To know more details click here 

National Scheme of Incentive to Girls for Secondary Education:
The National Scheme of Incentive to girls for secondary education scheme is a pan India scheme managed by the Department of School Education & Literacy, Ministry of Human Resource Development, Government of India. It is primarily for the benefit of girls belonging to the backward classes of India.

Eligibility National Scheme of Incentive to Girls for Secondary Education:
  • All SC/ST girls who have passed class 8 examination, girl students from other social classes are also eligible if they have passed class 8 exam from Kasturba Gandhi Balika Vidyalayas.
  • Girls eligible for the scheme also need to be aged less than 16 years.
  • Girl students who are married or are enrolled in various central government schemes such as CBS, NVS, and KVS are not eligible for this scheme.
How does the National Scheme of Incentive to Girls for Secondary Education work?
Once an eligible girl student has been selected, Rs. 3000 is deposited as a fixed deposit on her behalf. This amount can be withdrawn with interest after the girl student passes the class 10th exam and completes the age of 18 years.

Dhanalakshmi Scheme:
The Dhanalakshmi Scheme was launched as a pilot project launched by the central government in March 2008 for providing conditional cash incentives to low income families with girl children. However, as a result of more attractive schemes introduced by the government over the years, Dhanalakshmi scheme is now done away with.

The following were the key states where the Dhanalakshmi Scheme pilot project was implemented:
  • Andhra Pradesh
  • Bihar
  • Chhattisgarh
  • Jharkhand
  • Orissa
  • Punjab
  • Uttar Pradesh
The pilot project of this girl child welfare scheme was run in specific blocks of the above states which were selected on the basis of their lower than average girl child sex ratio (as compared to rest of India). The primary goal of providing cash incentives under this scheme was to promote education and improve the well-being of the girl child especially those belonging to economically and educationally backward classes.

Cash Incentives offered under the Dhanalakshmi Scheme:
The Dhanalakshmi girl child welfare scheme provided staggered direct cash benefits to girl child from the time of birth till completion of secondary education in Class 8. The following is a scheme of the cash incentives that were offered under the Dhanalakshmi yojana:

Girl Child Life Event Cash Transfer for each Girl Child
Birth and Birth Registration Rs. 5000
Immunization after 6 weeks Rs. 200
Immunization after 14 weeks Rs. 200
Immunization after 9 months Rs. 200
Immunization after 16 months Rs. 200
Immunization after 24 months Rs. 200
After completion of immunization Rs. 250
On enrolment in Primary School Rs. 1000
On passing Class 1 with at least 85% attendance Rs. 500
On passing Class 2 with at least 85% attendance Rs. 500
On passing Class 3 with at least 85% attendance Rs. 500
On passing Class 4 with at least 85% attendance Rs. 500
On passing Class 5 with at least 85% attendance Rs. 500
After enrolment in Secondary School Rs. 1500
On passing Class 6 with at least 85% attendance Rs. 750
On passing Class 7 with at least 85% attendance Rs. 750
On passing Class 8 with at least 85% attendance Rs. 750
The scheme was discontinued in April 2013 as various state-specific girl child welfare schemes had already come into effect by that time.

State Government Sponsored Schemes for Girl Child in India

Apart from the central government, the Indian State governments also actively offer several schemes that benefit girl children. Some of these include:

• Rajshri Yojna - Rajasthan
• Girl child protection scheme - Andhra Pradesh & Telangana.
• Sivagami Ammaiyar Memorial girl child protection scheme - Tamil Nadu.
• Ladli Laxmi Yojana - Madhya Pradesh.
• Ladli - Delhi & Haryana
• Mukhyamantri Laadli Yojna – Uttar Pradesh
• Mukhyamantri Kanya Suraksha Yojna - Bihar
• Ladli scheme - Haryana
• Kishori Shakti Yojana - Odisha
• MAMTA scheme for girl child - Goa
• Saraswati Bicycle Scheme - Chhattisgarh.
• West Bengal Kanyashree Prakalpa - West Bengal
• Bhagyalaxmi scheme - Karnataka
Andhra Pradesh & Telangana – Girl Child Protection Scheme
The scheme promotes a girl child’s education to minimum up to Intermediate level, while preventing early marriages and empowering girls from an early age.
  • The scheme also provides financial benefits to girl children in need.
  • Families with no more than two children comprising two or at least one daughter are eligible.
Tamil Nadu – Sivagami Ammaiyar Memorial girl child protection scheme
The TN government scheme targets the eradication of female infanticide while endorsing gender-neutral family planning measures and supporting the welfare of girl children from less privileged families.

No of girl children in family  Fixed Deposit Amount offered
Only one girl child no other children Rs.22,200/-
Two girl children  Rs.15,200/- for each girl child

Madhya Pradesh -Ladli Laxmi Yojana:

The Madhya Pradesh Ladli Laxmi Yojana is a government of Maharashtra-sponsored girl child scheme that seeks to improve the status of girl children and women in the state. The plan was introduced in 2006 and aims to prevent social ills such as child marriage and female foeticide. Subsequent to approval of beneficiary, Rs. 6000 worth of National Saving Certificates will be purchased every year for the first 5 years in the name of the beneficiary.

Out of this investment, Rs. 2000 will be invested after the girl child is admitted in 6th class and subsequently Rs. 4000 will be invested in the admission of a girl in 9th class.

Eligibility for Ladli Laxmi Yojana:
  • The family must be resident of Madhya Pradesh and must not have taxable income.
  • After the birth of a second child, the family needs to adopt family planning and first girl child must be born after 1st April 2008.
  • The beneficiary must attend the Aganwadi regularly.
How to Apply for the Ladli Laxmi Yojana in Madhya Pradesh:
The form to sign up for the Ladli Laxmi Yojana can be obtained from the local Anganwadi Centre of their village/locality in which the household is located. The form needs to be filled out and submitted to the Anganwadi Centre of their village/locality within 1 year of birth of the girl child along with copies of applicable documents. Download the Ladli Laxmi Yojana Form.

To eradicate the malpractices of child marriage and female foeticide, the Madhya Pradesh government provides financial benefits to families with one or more girl child(ren), who are mandated to attend Anganwadi schools.

Following approval, Rs 6,000 worth of National Saving Certificates (NSC) will be purchased annually for 5 years in the girl child’s name.

Amount to be awarded to beneficiary when
Rs.2,000/- Upon admission to class VI
Rs.4,000/-  Upon admission to class IX

Haryana – Ladli Scheme:
Ladli Scheme of Haryana is sponsored by the Haryana government to enhance the status of the girl child in society. The scheme is additionally focused on ensuring that mindset of society and attitude towards the girl child is changed such that social ills including female foeticide are eliminated. The scheme was introduced by the Haryana State Government on 20th August 2015.

How the Ladli Scheme Works?
This is a cash incentive scheme that provides a payout of Rs. 5000 annually for a period of 5 years to families with a second girl child born on the after 20th August 2015. This money is deposited in a Kisan Vikas Patra jointly in the name of the 2nd girl child and the mother/father/legal guardian. These deposits along with interest will be released after the 2nd girl child is 18 years old.

How to Get Ladli Scheme Application Form?
Forms to apply for the Ladli Scheme of Haryana can be availed from the nearby Aganwadi Centres. The form has to be filled out and submitted with the Aganwadi worker or Health Staff of the local area along with birth certificates of both the 1st and 2nd girl children. You can also download the Ladli Scheme Application Form from the official government website click here.

In the state infamous for its lopsided CSR, the state government now offers Rs. 5,000/- per year for upto five years to families with a second girl child, which will be released once the beneficiary attains adulthood.

To Apply Ladli Scheme Download form here.

Odisha – Kishori Shakti Yojana:
The Odisha government’s scheme aims to provide nutritional, educational and financial support to adolescent girls in the state – between 11 to 18 years of age.
More details are provided here click here: Kishori Shakti Yojana

Rajasthan – Rajshree Yojna:
This amazing scheme provides a total financial assistance of up to Rs 50,000 to a girl child’s family for her educational, health and other expenses up to class XII. 

The detailed break-up is shown:
Amount            When 
Rs 2,500       At birth 
Rs 2,500 After first-year vaccination 
Rs 4,000 Upon admission to Class I
Rs 5,000 Upon  admission to Class VI
Rs11,000 Upon admission to Class X
Rs 25,000 After passing Class XII

Maharashtra – Majhi Kanya Bhagyashree:
The Mazi Kanya Bhagyashree Scheme is a Government of Maharashtra promoted scheme that is designed to help improve the condition of girl child among the BPL and other weaker sections of society.

Benefits offered under the Mazi Kanya Bhagyashree Scheme:
The girl child’s mother receives Rs. 5000 every year for the first 5 years after the birth of the girl child. Subsequently, financial aid of Rs. 2500 per year is provided till the girl child is enrolled in 5th class.

After this, the financial aid is increased to Rs. 3000 per year till the girl child is enrolled in class 12. Once she attains the age of 18 years, she will receive Rs. 1 lakh annually for her education. Further payouts may be available to the girl child for further studies.

Mazi Kanya Bhagyashree Scheme Application Form:
The application form for the Mazi Kanya Bhagyashree Scheme can be obtained from the local Anganwadi and submitted with the local Anganwadi worker along with all the applicable documents such as the birth certificate of the girl child. You can also get further details about this girl child scheme and download the Mazi Kanya Bhagyashree Scheme Application Form from the Maharashtra government official website Download here.

Any family Below Poverty Line (BPL) with one or more girl children in Maharashtra is eligible for this scheme. 

The beneficiary can avail the financial benefits as detailed below: 
Amount per year  Duration 
Rs 5,000 From birth till 5 years 
Rs 2,500 From 5 years till admission in Class V
Rs 3,000 From Class V till admission in Class XII
Rs 1 Lakh Post 18 years of age 

West Bengal – Kanyashree Prakalpa:
The Kanyashree Prakalpa of West Bengal is a state initiative for girl child schemes designed to improve the status as well as the well-being of girls especially those from weaker socio-economic classes. This scheme is implemented by the Department of Women Development and Social Welfare, Government of West Bengal in the form of conditional cash transfers.

The Kanyashree scholarship is Rs. 750 annually for girls between the age of 13 and 18 years along with a one-time grant of Rs. 25,000 for girls between the ages of 18 and 19 years.

Eligibility Criteria for the Kanyashree Prakalpa:
  • A girl student is eligible for benefits under the Kanyashree Prakalpa subject to the following criteria:
  • The beneficiary must be resident of West Bengal and have a bank account in her name
  • The girl child must be enrolled in an educational institution and unmarried
  • The maximum annual income of the girl’s family must be Rs. 1.2 lakh annually
Kanyashree Prakalpa Application:
A girl child can apply for the annual scholarship under this scheme as soon as they are 13 years old provided they are enrolled in class 8 or higher. The one-time grant application under Kanyashree Prakalpa can be made between the ages of 18 and 19 years.

The Kanyashree scheme application form can be availed from the institution where the girl child is studying. This needs to be filled out and submitted along with documents such as birth certificate, a declaration that the applicant is unmarried along with an annual income statement confirming that family income is Rs. 1.2 lakh annually or less.

The Kanyashree Prakalpa K1 Application Form Download here and the Kanyashree Prakalpa K2 Application Form can both be downloaded here or from various online sources too.

This hugely successful scheme rolled out by the West Bengal government has bagged the first prize at the United Nations among 552 international projects in the Public Service category.
The scheme offers an annual scholarship of Rs 750 to girls between the ages of 13 and 18 years and a one-time grant of Rs 25,000 for girls between the ages of 18 and 19 years.
Click here to know more details about this scheme: Majhi Kanya Bhagyashree

Karnataka – Bhagyalaxmi scheme: 
The main goal of this scheme is to hail the birth of girl child in BPL families and enhance the social, educational and overall status of the girl child in general.
The beneficiary is eligible for a health insurance cover of up to Rs 25,000 per year, alongside educational scholarship of Rs 300 to Rs 1,000 up to Class X.
Class/Standard Amount of Annual Scholarship 
Class I-III           Rs 300
Class IV             Rs 500
Class V              Rs 600
Class VI- VIII     Rs 700
Class 8              Rs 800
Class IX-X         Rs 1,000

Eligibility for the Bhagyashree Scheme:
Girl children of the BPL family are eligible to take this benefit provided they were born after 31st March 2006.
Enrolment is allowed up to 1 year after the birth of the child and a maximum of two children can be covered under this scheme.
Additional financial benefits are also available to the beneficiary provided certain criteria are met.

While many of these programs tackle the issue of savings and education, some like the Kishori Shakti Yojana also aim to educate adolescent girls about the importance of health care. Adolescent girls get access to current and updated healthcare initiatives and learn about good hygiene. As future mothers to be, knowing about 13 life-saving vaccines that the government provides free of cost and the importance of MMR, Polio and similar vaccination is integral to their health and reducing child mortality through vaccine-preventable diseases in the future.
Related links:
Mahila E-haat Scheme Features Benefits and Eligibility
One Stop Centre Scheme Guidelines Sakhi Centres
Scheme Sukanya Samriddhi Yojana Scheme Eligibility Benefits

Mahila Shakti Kendra Scheme Features Eligibilitykeywords:
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