The Ladli Beti Scheme stands out as one of the most renowned and effective initiatives aimed at empowering girls in the Union Territory. This scheme has been launched for the Union Territories of Jammu and Kashmir and Ladakh for the birth of a girl child. It will positively impact millions of families, breaking down social and economic barriers that hinder girls from reaching their maximum potential. The program provides tangible benefits and has fostered awareness and cultivated positive attitudes toward girls within society. The Ladli Beti Scheme serves as a stellar illustration of the government’s ability to foster and promote the development of girls in India. In this article, we are going to talk about the scheme in detail. 

What is the Ladli Beti Scheme 2024?

The Ladli Beti Scheme is a social assistance program for newborn girls in the Union Territories of J&K and Ladakh. This scheme has been launched to curb the declining female sex ratio. Under this scheme, eligibility for coverage extends to girls born on or after April 1, 2015, with parents or guardians having an annual income not exceeding Rs 75,000. Upon reaching 21 years of age, the female child is entitled to an approximate sum of Rs 6.50 lakhs. Beneficiaries will receive Rs 1000 per month, deposited into their bank accounts through Direct Benefit Transfer (DBT). 

As mentioned above, the primary goal of this initiative is to counteract the declining female sex ratio and to ensure that the girl child does not become a financial burden on her parents or guardians during marriage. 

The program operates as a hybrid deposit plan, comprising two phases:

• Phase 1 involves a recurring deposit for 14 years, with completion scheduled one month after the receipt of the last installment. During this phase, the J&K Government contributes a monthly amount of ₹1000. 
• After the maturity of Phase 1 (recurring deposit account), the account transitions to Phase 2, which involves a Cumulative Term Deposit (CCR) for 7 years. Upon reaching 21 years of age, the female child is entitled to an approximate sum of Rs 6.50 lakhs. This unique approach seeks to foster financial security and independence for the girl child in the long term.

Ladli Beti Scheme 2024 Key Highlights
Ladli Beti Scheme 2024 Launch Date	April 01, 2015
Ladli Beti Scheme Official Website	J and K Ladli Beti Scheme Official Website
Ladli Beti Scheme Objective	To counteract the declining female sex ratio and to ensure that the girl child does not become a financial burden on her parents or guardians during marriage.
Ladli Beti Scheme Age Limit	Girls Born on or After April 1, 2015
Ladli Beti Scheme Income Limit	Less than ₹75,000 Per Annum
Ladli Beti Scheme Total Amount	₹1000 Per Month for 14 years  After that Cumulative Term Deposit for 7 Years  Total Amount – 6.5 Lakh
Ladli Beti Scheme Department	Social and Welfare Department
Ladli Beti Scheme  Mode of Application	Online
Ladli Beti Scheme Helpline Number	01912542759

Ladli Beti Scheme Objectives

• The primary goal of this initiative is to counteract the declining female sex ratio and to ensure that the girl child does not become a financial burden on her parents or guardians during marriage. 
• The recent decline in the ratio of females to males in the population has prompted the implementation of this strategy, with the primary objective of halting this unfavorable trend. 
• The strategy aims to alleviate the financial burden on parents or guardians once the female child is married.
• This will be achieved by ensuring that she receives adequate financial support.

Ladli Beti Scheme Benefits 2024

• The J&K Government commits to contributing Rs. 1000/- per month from the birth of the girl child or the account opening date for the subsequent 14 years, totaling Rs. 168,000/- from the Union Territories (UT).
• Phase I (RD Account) strictly permits no credits other than the monthly Rs. 1000/- contribution by the J&K Government.
• Upon the maturity of Phase I, the account seamlessly progresses to Phase II (Cumulative Term Deposit account).
• No partial withdrawals or foreclosures are permissible during any phase of the scheme.
• Maturity benefits are disbursed to the beneficiary upon reaching 21 years of age, 21 years after the first installment, or 85 months after the last installment, whichever is later. 
• The amount is credited to the savings bank account of the girl child, who can reinvest it in any deposit plan of the bank at card rates.
• The nomination facility does not apply to this scheme. In the unfortunate event of the girl child’s demise, the account is immediately closed, and the balance amount along with accrued interest reverts to the Union Territories of J&K and Ladakh.
• If the beneficiary passes away before turning 21, the Recurring Deposit account/Term Deposit account is closed before maturity without pre-payment charges.
• Transferring the account from one branch to another is not permitted, even if the girl child shifts to a location different from the city or locality where the account was opened.
• The beneficiary, parent, or guardian must provide a ‘life certificate of the beneficiary (girl child),’ certified by a gazetted officer or the principal of the school/college where she is enrolled, every three years and at the time of maturity.
• Since the scheme targets households with an annual income of less than Rs. 75,000/-, no TDS will be deducted, provided the guardian/beneficiary submits Form 15G/15H each year and possesses a valid PAN.

Ladli Beti Scheme Eligibility Criteria 2024

The J&K Ladli Beti Scheme eligibility criteria have been provided below. 

• The girl child must have been born on or after April 1, 2015.
• The combined annual income of the parents of the girl child from all sources should not exceed ₹75,000.
• Both the girl child and her family must be residents of Jammu & Kashmir.

Ladli Beti Scheme Documents Required 2024

• Proof of address for the parents or legal guardian of the girl child (Aadhaar Card, Voter Card, Utility Bills, PAN Card, etc.).
• Domicile Certificate of the Parent/Guardian.
• Completed and signed Application Form.
• Approval Letter from the Child Development Project Officer (CDPO).
• Proof of identity for the parents or legal guardians of the girl child (Aadhaar Card, Passport, Voter ID Card, Driving License, etc.).
• Birth Certificate of the Girl Child.
• Aadhaar Number of the Girl Child.
• Aadhaar Number of the Parent/Guardian.
• Recent passport-sized photographs of the Girl Child.
• Bank account details (a copy of the first page of the passbook of the bank account).
• Income Certificate of the Parent/Guardian (annual income less than or equal to ₹75,000).

Ladli Beti Scheme Online Registration 2024

You can apply for the Ladli Beti Scheme through the official website of the Ladli Beti Scheme or the Service Plus Portal. You can apply from either of the platforms. Here is the step-by-step process for applying for the Ladli Beti Scheme 2024.  

• Visit the official website of the Ladli Beti Scheme. Click on the e-Services. After that, you will see various departments. 

• Click on “Social Welfare Department”. After clicking on that, go to “Ladli Beti Scheme”. 
• You will be redirected to the registration of the Ladli Beti Scheme. 

• Enter your details like Name, address, Age, and other personal details. 
• After giving all the details, click ‘SUBMIT’ to complete the application.

• You can log in after registering in the portal. You can check your application status or update any information you like.

General Guidelines for Uploading Photos:

• Applicants color Passport photograph.
• Size-5*4.5(cm) OR 2*1.75(inch)
• Image size – 30KB to 50KB

Ladli Beti Scheme FAQs

GIRL CHILD SCHEMES IN THE STATES OF INDIA
Mizoram	Centrally Sponsored Scheme
Manipur	Balika Samridhi Yojana
Tripura	Tripura Scheme For Incentive To Girl Child
Meghalaya	Balika Samriddhi Yojana
Uttarakhand	Nanda Gaura Yojana for Girls
UP	Kanya Sumangala Yojana
Karnataka	Bhagyalaxmi scheme of Karnataka
MP	Ladli Laxmi Yojana
Rajasthan	Mukhyamantri Rajshri Yojana