The J&K Ladli Beti Scheme is meant for families with a girl child who meet the eligibility conditions of the scheme. The government provides financial assistance under this scheme, but the amount is not given to the family as an immediate cash payment. Under the scheme, the money is deposited into the beneficiary’s account in different stages.
This scheme was introduced in J&K in 2015. The scheme is applicable to the eligible girl child born on or after 1st April 2015. There is also a family income criterion which says that the annual income of the parents or guardian should not exceed ₹75,000.
If you want to avail the benefits of the scheme for your daughter then you should have income certificate, proof of date of birth and other documents ready before applying for the scheme.
What is J&K Ladli Beti Scheme?
Ladli Beti is a social assistance scheme of Jammu and Kashmir government for eligible girl children belonging to economically weaker families.
The scheme was launched in 2015 and the government makes periodic financial contributions in the name of the girl child. The funds are not given directly to the family in cash, but are administered through a separate account structure set up under the scheme.
The money is kept for a longer period so that the girl child can receive the benefit later, instead of the entire amount being paid at once.
J&K Ladli Beti Scheme: Quick Details
| Particular | Details |
|---|---|
| Scheme Name | Ladli Beti Scheme |
| Government | Jammu and Kashmir |
| Department | Social Welfare Department |
| Scheme Started | 2015 |
| Eligible Girl Children | Born on or after April 1, 2015 |
| Income Condition | Parents/guardian annual income should not exceed ₹75,000 |
| Application Mode | Online or Kiosk |
| Service Delivery Time | 30 days, excluding government holidays |
| Application Portal | J&K JanSugam |
Who is eligible for the Ladli Beti Scheme?
The first things to check are the child’s date of birth and the family income.
According to the official J&K scheme information, it is for girl children born on or after 01-04-2015. In addition, the annual income of the parent or guardian should not be more than ₹75,000.
The J&K Government guidelines also mention residency or domicile requirements. Documents like a domicile certificate of the father and proof of identity/address are required for the present application process.
How much money is provided under the Ladli Beti Scheme?
This scheme has a slightly different payment structure.
According to the current banking guidelines of the J&K Govt, ₹1,000 per month is contributed by the government in Phase I. This is channeled through a recurring deposit account for the initial phase of 14 years.
After completing the 14-year recurring phase, the account enters the second phase. The second stage is a cumulative term deposit for 7 years.
According to the current information published by J&K Bank, the total government contribution over the 14-year period is ₹1,68,000. In the second stage, the amount remains in the term deposit and earns interest as applicable.
The Ladli Beti Scheme is not simply a monthly cash assistance programme because the ₹1,000 contribution is credited to the beneficiary’s scheme account.
How does the Ladli Beti Scheme account operate?
The scheme account is run in two phases.
Phase I – Recurring Deposit
During this phase the government adds ₹1,000 every month. The account is held as a recurring deposit for a period of 14 years.
Under the rules of the bank’s scheme, no credit other than the monthly contribution made by the government is permissible to this account.
Phase II – Cumulative Term Deposit
After completion of 14-year recurring deposit phase, the account is converted to a cumulative term deposit for a period of seven years.
Currently, as per the bank guidelines, there is no facility for premature closure of the account, unlike a normal savings account. The scheme rules lay down restrictions on foreclosure and partial withdrawals.
Documents Required for J&K Ladli Beti Scheme
You must have the required documents before you submit the application. The official scheme list specifies the following basic documents:
- Aadhaar Card
- Parent/guardian’s Income Certificate
- Proof of Date of Birth of the girl child
- MCP Card
The current JanSugam service page also lists the father’s Domicile Certificate along with identity and address proof. The portal provides options to prove one’s address, such as a voter card, driving license, electricity bill, passport, and bank passbook.
You can check the accepted document list on the JanSugam service page before applying. It is better to check the document list on the portal when you apply, as the requirements shown there may be updated
How to Apply for the J&K Ladli Beti Scheme?
The current JanSugam service provides both online and kiosk options for the Ladli Beti Scheme.
You can apply online by following these steps:
- Open the JanSugam Portal
Visit the J&K Government’s JanSugam portal and search for the Ladli Beti Scheme service.
- Register
Registration or login is required on the portal. Log in to your account and open the scheme service.
- Fill in Application Details
Fill out the form with information regarding the girl child and the parents/guardian. The details entered must match the supporting documents.
- Upload Documents
Upload the documents requested on the portal. The information in the documents must match the details provided in the application form.
- Submit the Form
Review the entered details before submission. Once the application is submitted, save the acknowledgement or reference details.
If you face any issues with the online application, the current JanSugam listing also offers the ‘Kiosk’ mode for submitting applications.
Important Links
| Official J&K JanSugam Portal | https://jansugam.jk.gov.in/ |
| Social Welfare Department, J&K | https://socialwelfare.jk.gov.in/ |
How long will it take to process the application?
The JanSugam service page currently mentions a 30-day service delivery period for the Ladli Beti Scheme. This time frame excludes government holidays.
After the application is submitted, the documents and eligibility details are checked. If any information is incorrect or a required document is missing, the application may take longer to process.
According to the official scheme details, the application is processed after submission at the level of the concerned Tehsildar, District Social Welfare Officer, and Deputy Commissioner.
What is the role of the bank account in the Ladli Beti Scheme?
The financial benefit of the scheme is linked to the beneficiary girl child’s account.
According to current information from J&K Bank, a recurring deposit account is opened through the girl child’s natural or legal guardian. Once the account number is obtained, the details are used during the application process on the Social Welfare Department’s portal.
As per bank instructions, only the government’s monthly contribution of ₹1,000 is credited during Phase I. After Phase I, the account transitions into the cumulative term deposit phase.
Is a Life Certificate also required for the Ladli Beti Scheme?
Yes, according to the bank’s current scheme guidelines, the beneficiary’s life certificate must be submitted every three years and at the time of maturity.
The life certificate can be certified by a gazetted officer or the principal of the school or college where the girl child is enrolled.
The life certificate is part of the account requirements, so beneficiaries should keep this requirement in mind.
What Should You Check Before Applying?
Before you submit the form, there are a few basic details you should check:
- The date of birth of the girl child is April 1, 2015 or later.
- Parents’/guardian’s annual income is within the prescribed limit.
- Income certificate is ready.
- Aadhaar and birth-related documents for girl child are prepared.
- MCP Card is available.
- Where required, the father’s domicile certificate is ready.
- The names and other basic details are the same across the documents.
- The acknowledgement/reference number is saved after submission of the application.
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