Karnataka Bhagyalaxmi Scheme 2024: In India, economically disadvantaged families often face considerable apprehensions when it comes to raising a girl child, given the associated living costs and societal challenges. The initiative aims to address these concerns and promote gender equality by encouraging the birth of female children and supporting their overall well-being. To combat that, the Government launched various initiatives so that a girl child gets an equal opportunity in society and the families do not think of themselves as a burden in the family. One such initiative is taken by the Karnataka government called the “Bhagyalakshmi Scheme”.
The Bhagyalakshmi scheme implemented in Karnataka is designed to foster a consistent increase in the population of female children within the state. The primary objective of this program is to offer financial assistance to families with girl children through their parents. To know more about the scheme, keep reading till the end of the article.
What is the Karnataka Bhagyalaxmi Scheme 2024?
Karnataka Bhagyalaxmi Scheme is a welfare scheme launched by the Department of Women and Child Development in 2006-07. It serves as a proactive approach to augment the number of girl children in the state, particularly within below-poverty line (BPL) households. The primary objective of the Karnataka government’s initiative is to encourage the birth of female children within families classified as below the poverty line (BPL) and to enhance the status of the girl child, both within the family and society at large. Financial aid is extended to the girl child through her mother, father, or natural guardian, contingent upon meeting specific conditions.
Upon enrollment and subsequent verification by the Department, a sum of Rs. 19,300 is deposited in the name of the first girl beneficiary and Rs. 18,350 in the name of the second girl beneficiary of the same family with the financial institution (LIC). Upon reaching 18 years of age, the first girl beneficiary, as per the Government of Karnataka order number, receives a maturity amount of Rs. 1,00,097, while the second girl beneficiary, upon fulfilling all conditions of the scheme, receives Rs. 1,00,052. Let’s talk about the scheme in detail.
| Karnataka Bhagyalaxmi Scheme 2024 Key Highlights | |
| Karnataka Bhagyalaxmi Scheme Launch Date | October 17, 2006, |
| Karnataka Bhagyalaxmi Scheme 2024 Official Website | Bhagyalaxmi Scheme Karnataka Official Website |
| Karnataka Bhagyalakshmi Scheme 2024 Objective | Encourage the education of female children. Eliminate societal issues like child labor and child marriages. Mitigate the occurrence of female feticide. |
| Karnataka Bhagyalaxmi Scheme 2024 Beneficiaries | Girl Child of Karnataka born on or after April, 2006 |
| Karnataka Bhagyalaxmi Scheme 2024 Department | Department of Women and Child Development |
| Karnataka Bhagyalakshmi Scheme 2024 Insurance Partner | Life Insurance Corporation of India |
| Karnataka Bhagyalaxmi Scheme 2024 Maturity Amount (Born After August 01, 2006) | 1st child – Rs 1,00,097 2nd child- Rs 1,00,052 |
| Karnataka Bhagyalaxmi Scheme 2024 Scholarship Amount | 1200 per year for pursuing 11th and 12th. |
| Karnataka Bhagyalaxmi Scheme 2024 Mode of Application | Online/Offline |
| Karnataka Bhagyalaxmi Scheme 2024 Helpline Number | 080-22355984 Phone:9480501610 |
Karnataka Bhagyalaxmi Scheme 2024 Objective
The primary goals of this initiative are aimed at alleviating apprehensions through the following means:
- Offering financial support to families below the poverty line, enabling them to provide a secure and comfortable life for their female children.
- Fostering a positive environment for families within the below-poverty line category, encouraging them to embrace the upbringing of girl children and concurrently enhancing their social and economic circumstances.
- Elevating the societal standing of economically disadvantaged families through the enhancement of their social status.
- Mandatory recording of the birth of a female child.
- Enhance the standing of the girl child, both within the family and society at large.
- Encourage the education of female children.
- Eliminate societal issues like child labor and child marriages.
- Mitigate the occurrence of female feticide.
Karnataka Bhagyalaxmi Scheme Benefits
- Health insurance coverage for the child, with a maximum limit of Rs. 25,000 per year (only for girls born between April 01, 2006 and July 31, 2008). No health insurance was provided to the girls born on or after August 01, 2008.
- Provision of an annual scholarship ranging from Rs. 300 to Rs. 1,000, applicable up to the tenth standard for the girl child (only for girls born between April 01, 2006 and July 31, 2008).
- The scheme aims to encourage the birth of female children in economically disadvantaged families, elevating their status within both the family and society.
- Financial assistance is provided to the girl child through her mother, father, or natural guardian, contingent upon meeting specific conditions.
- In addition to the aforementioned benefits, parents receive Rs. 1 lakh in case of an accident and Rs. 42,500 in the event of the natural death of the beneficiary. (only for girls born between April 01, 2006 and July 31, 2008).
- Upon reaching 18 years of age, the beneficiary is entitled to a payment of Rs. 34,751.
- Certain interim payments, such as annual scholarships and insurance benefits, are made available to the beneficiary as long as the eligibility criteria continue to be met.
For female children born between April 01, 2006 – July 31, 2008,
Within the framework of the “Bhagyalakshmi” scheme, a sum of Rs. 10,000 is deposited in the Life Insurance Corporation of India under the name of each beneficiary, namely the girl child, in the form of a fixed deposit. Upon reaching the age of 18, the fixed deposit matures, and the beneficiary is entitled to receive the maturity value, set at Rs. 34,751. If a second child from the same family is enrolled in the scheme, the maturity amount increases to Rs. 40,918.
For female children born After August 01, 2008,
Upon enrollment and subsequent verification by the Department, a sum of Rs. 19,300 is deposited in the name of the first girl beneficiary and Rs. 18,350 in the name of the second girl beneficiary of the same family with the financial institution (LIC). Upon reaching 18 years of age, the first girl beneficiary, as per the Government of Karnataka order number, receives a maturity amount of Rs. 1,00,097, while the second girl beneficiary, upon fulfilling all conditions of the scheme, receives Rs. 1,00,052.
| Insurance Type | Children born from April 01, 2006, to July 31, 2008 | Children born after August 01, 2008 |
| Approximate maturity amount. | 1st child- Rs.34,751 2nd child – Rs 40,619 | 1st child – Rs 1,00,097 2nd child- Rs 1,00,052 |
| Scholarship. | 1st std to 3rd- Rs.300 annum 4th- Rs.500 annum 5th- Rs.600 annum 6th to 7th-Rs.700 annum 8th- Rs.800 annum 9th to 10th – Rs 1000 | No Scholarship facility from August 01, 2008 onwards. |
| Health Insurance Facility to the Beneficairy | Rs 25,000 | No health insurance Facility |
| Disability of the insured parent due to accident (loss of eyes/2legs/1eye, 1leg). | Rs. 75,000 | Rs. 75,000 |
| Partial disability of insured parent in an accident (loss of 1 eye or 1 leg). | Rs.37,000 | Rs.37,000 |
| Death of the insured parent in Accident. | Rs. 1,00,000 | Rs75,000 |
| Natural death of each parent | Rs. 42,500 | Rs 30,000 |
Please Note:
- To qualify for the maturity amount, the recipient must complete education up to the 8th standard and refrain from marrying before reaching the age of 18.
- If the beneficiary continues education through the 11th and 12th standards, she becomes eligible for an annual scholarship of Rs. 1200 per class passed under the “Shiksha Sahayoga Yojana” offered by LIC.
- In the unfortunate event of the beneficiary’s demise within 18 years, the bond amount under the “Bhagyalakshmi” scheme is forfeited.
- Parents of the beneficiaries from landless rural families are entitled to receive benefits under the Janashree Insurance Scheme.
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Karnataka Bhagyalaxmi Scheme Eligibility Criteria
To be eligible for the benefits under the Bhagyalakshmi Scheme, individuals must satisfy the following criteria:
- The scheme applies to girl children born into families categorized as below the poverty line (BPL) after March 31, 2006.
- Registration of the girl child with the scheme should occur within one year from her date of birth.
- The Bhagyalakshmi scheme extends its benefits to a maximum of two female siblings within a single BPL family. Therefore, if a family has more than two girls, only two of them can avail of the scheme’s benefits.
- The child must not be engaged in child labor.
- It is a requirement for the girl child to receive vaccinations or immunizations through the program facilitated by the Indian health department.
- The limitation of having no more than two children applies to those born on or after April 1, 2015. In the event of the birth of twins or triplets during the initial delivery, all female children are entitled to receive the benefits.
- The child should complete education up to at least the 8th grade and should not be married before attaining 18 years of age.
Karnataka Bhagyalaxmi Scheme Documentation Required
Below is the list of required documents for the Bhagya Laxmi Scheme application:
- Bhagya Laxmi Scheme application form.
- Officially certified copy of the girl child’s birth certificate.
- Parents’ income details.
- Proof of address for the parents of the girl child.
- Below Poverty Line (BPL) card.
- Bank details related to the girl child’s card.
- Photograph of the child with her parents.
- When registering a second child under the scheme, submission of a Family Planning certificate is mandatory, in addition to all the aforementioned documents.
- Copy of the marriage certificate or a self-declaration certificate from the parents.
Karnataka Bhagyalaxmi Scheme Application Process
To apply for the Karnataka Bhagyalaxmi Scheme, you need to visit the official website of the scheme. You can also apply for the scheme offline if you are not comfortable applying online. It must be noted that all the documents required for the application form should be formally attested. Also, keep a check on the eligibility before you think of applying for the scheme. Here is the complete step-by-step process that you need to follow while applying online.
- Begin by visiting the official website of Bhagya Laxmi Yojana Karnataka.
- Once on the homepage, locate and select the link for the Bhagya Laxmi Yojana Application form.
- The application form in PDF format will then appear on the screen.
- Complete the form by entering all the necessary information.
- Finally, submit the filled form to the relevant authority for processing.
You can also apply offline by visiting the following centers.
- Aanganwadi Center
- Grampanchayat Office
- NGOs
- Authorized Banks
- Municipal Corporations
Ask them for the application form. Fill it with utmost carefulness and then attest all the required documents. Also, make sure that all the information given by you is true and correct as any incorrect information can lead to rejection of your application.
You can also read the complete information about Bhagya Laxmi Scheme in Kannada. Yes! You heard that right. If you wish to read the scheme details in Kannada, you just need to download this information brochure below.
Download Bhagya Laxmi Scheme in Kannada PDF
Karnataka Bhagyalaxmi Scheme Check Application Status
To verify the status of your Bhagyalakshmi scheme online, adhere to the following steps:
- Visit the official website of Bhagyalaxmi Scheme Karnataka.
- Go to the ‘Query Search’ drop-down menu and select ‘Multi Search.’
- Input the necessary details of the applicant, district, Project, and Circle name including name, date of birth, and application or Child ID.
- The screen will then display the current status of your Bhagyalakshmi scheme application.
Karnataka Bhagyalaxmi Scheme FAQs
What is the Karnataka Bhagyalaxmi Scheme?
Kaanratka Bhagyalaxmi Scheme is a welfare scheme launched by the Department of Women and Child Development, Karnataka. Under this scheme, various financial benefits have been given. For example, for the first girl child, a total maturity amount of around 1 lakh will be provided. It will also provide various insurance to the parents as well as beneficiaries.
Who can apply for the Bhagya Laxmi scheme?
Parents (mother/father) or natural guardians of the girl child are eligible to apply for the Bhagya Laxmi scheme.
Does the girl child also receive health insurance under the scheme?
Yes, the Bhagya Laxmi scheme provides health insurance coverage of up to Rs. 25,000 per year.
If I have 3 girl children, can I avail the benefits of this scheme?
In such a scenario, the first two girl children from families below the poverty line will be eligible for the scheme’s benefits, while the third one will not.
How many girl children are eligible for this scheme?
The Bhagyalakshmi scheme is available to Below Poverty Line (BPL) families with up to 2 female children.
Is there any minimum educational qualification to take the maturity amount under this scheme?
Yes, the girl must pass the 8th standard to take the maturity amount under the Bhagyalaxmi Scheme.
Who is the insurance partner for this scheme?
Life Insurance Corporation of India is the insurance partner under this scheme. The deposit as well as insurance will be covered by the LIC only.
If I continue my education beyond the 10th standard, will I get any scholarship under this scheme?
Yes, If the beneficiary continues education through the 11th and 12th standards, she becomes eligible for an annual scholarship of Rs. 1200 per class passed under the “Shiksha Sahayoga Yojane” offered by LIC.
