With the aim of changing the social attitude towards the girl children in India and uplifting their standing in society, a range of girl child schemes have been initiated across India. Such schemes may be broadly classified into two categories – Central Government Schemes and State Government Schemes.
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Central Government Sponsored Girl Child Schemes
Central Government sponsored girl child schemes are administered by the central government and can be availed by the girl child and their parents irrespective of which part of India they reside in. The following are key features of the most important central government girl child schemes in India:
Beti Bachao Beti Padhao
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 female 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
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Sukanya Samriddhi Yojana (SSY)
Sukanya Samriddhi Yojana (SSY) is a special government-backed savings scheme that features a girl child as the primary account holder while the parent/legal guardian is a joint holder of the account. SSY 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.
The following are some of the key features and benefits of investments made into a Sukanya Samriddhi Yojana 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 7.6% as of Q1 (April-June) FY 2022-23.
- 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 SSY account.
Balika Samriddhi Yojana
The Balika Samriddhi Yojana is a scholarship scheme designed to provide financial support to young girls and their mothers who are below the poverty line. The key objective of the scheme is to improve their status in society, increase the marriageable age of girls and improve the enrollment as well as retention of girls in schools.
Features and Benefits of the Balika Samriddhi Yojana
- This girl child benefit scheme is available in both urban as well as rural areas.
- Cash benefit of Rs. 500 provided to mother of girl child after the birth of a newborn.
- When attending school, a girl child can get an annual scholarship from Rs. 300 to Rs. 1000 till 10th
- Withdrawal facility of balance amount available after the girl child turns 18 years old and is still unmarried.
Applicants can download the Balika Samriddhi Yojana Forms for free from the Women & Child Development Department website.
CBSE Udaan Scheme
The CBSE Udaan scheme for girls is administered by the Central Board of Secondary Education through the Ministry of Human Resource Development, Government of India. 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.
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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
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.
The Dhanalakshmi Scheme was launched as a pilot project 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
- 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 children 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.
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State Government Girl Child Schemes
In addition to central government schemes, every state in India also has its own scheme for girl child welfare. The following are some of the most well-known state-wise girl child schemes in India:
Ladli Scheme of Haryana
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 the 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
Ladli Laxmi Yojana of Madhya Pradesh
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.
Know more about the Ladli Laxmi Yojana
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.
Karnataka Bhagyashree Scheme
Bhagyashree Scheme is a Karnataka government scheme designed to promote the birth of girl child among families below the poverty line. The financial assistance to the girl child is provided some key criteria have been met.
The girl child receives health insurance cover up to a maximum of Rs. 25,000 annually. The girl child receives an annual scholarship of Rs. 300 to Rs. 1000 up to class 10th.
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.
Read More about Karnataka Bhagyashree Scheme
Mazi Kanya Bhagyashree Scheme from Government of Maharashtra
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.
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.
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