AI SummaryBhagyalaxmi Scheme is a welfare scheme of Karnataka government for families living below the poverty line (BPL) that promotes the birth of girl children and raises their status in society. Through this scheme, a girl child gets financial support and scholarships for her education and health through a direct benefit transfer made to her parent or legal guardian. The scheme has been running since 2006 and continues to support eligible girl children in Karnataka.
Karnataka government launched Bhagyalaxmi Scheme to encourage the birth of baby girls in poor families and to improve their standing at home and in the community. The scheme deposits a financial assistance bond with LIC of India at the time of birth, which matures into a bigger amount when the girl turns 18, provided she meets all the conditions.
Bhagyalaxmi Scheme - Introduction
Bhagyalaxmi Scheme encourages the birth of baby girls in families living below the poverty line by providing financial support to the parents or guardians of a girl child. This scheme aims to improve the status of girls within their homes and the wider community, so that families can invest better in their daughters' future. More than 30 lakh girls have been registered under the scheme so far.
Main aims of this scheme include promoting girl child births in economically challenged families, boosting the societal standing of girls, and making sure that daughters receive financial backing through their parents or guardians when certain conditions are met.
Key Information
| Detail | Information |
|---|---|
| Scheme Name | Bhagyalaxmi Scheme |
| Level | State |
| Beneficiary State | Karnataka |
| Category | Social welfare and Empowerment, Women and Child |
| Target Beneficiaries | Girl children of BPL families |
| Benefit Type | Composite |
| Nodal Department | Woman and Child Development Department |
| Launch Year | 2006 |
| Official Website | blakshmi.karnataka.gov.in |
Benefits
Bhagyalaxmi Scheme provides significant support to help a daughter grow and study. The government deposits a bond of ₹19,300 for the first daughter and ₹18,350 for the second daughter at the time of birth. This bond matures to ₹1,27,000 for the first daughter and ₹1,00,052 for the second daughter when she turns 18, subject to all conditions being met.
Along with the maturity amount, the girl child gets annual scholarships ranging from ₹300 to ₹1,000 during her school years and free health insurance cover of up to ₹25,000 per year through the Bhagyalakshmi Care Scheme.
| Education Level | Annual Scholarship Amount |
|---|---|
| Classes 1st to 3rd | ₹300 |
| Class 4th | ₹500 |
| Class 5th | ₹600 |
| Classes 6th and 7th | ₹700 |
| Class 8th | ₹800 |
| Classes 9th and 10th | ₹1,000 |
Eligibility
To benefit from Bhagyalaxmi Scheme, a family should make sure it meets these criteria:
- The girl child must be born on or after 31 March 2006 in Karnataka.
- The family must be a permanent resident of Karnataka and categorized as BPL.
- Eligibility is limited to the first two female children in a family, with the mother's age between 18 and 45 at the time of the daughter's birth.
- The birth must be registered within one year of the girl's birth.
- The girl must be immunized according to the health department program and must not be engaged in child labor.
- For the final maturity amount, the girl must remain unmarried until she turns 18 and must complete the eighth standard.
Example: If Ravi and Sunita are a BPL family in Karnataka with two daughters born after 2006, both girls can be registered for the scheme provided the family meets all the immunization, schooling, and family planning requirements.
Application Process
You can apply for Bhagyalaxmi Scheme either online or through offline channels.
Online
STEP 1 - Go to the official portal at blakshmi.karnataka.gov.in and open the Bhagyalaxmi registration page.
STEP 2 - Start a new registration with your mobile number and confirm the OTP that is sent to you.
STEP 3 - Fill in each section of the application form, matching the entries to your documents.
STEP 4 - Attach the required paperwork such as Aadhaar card of the girl and parents, birth certificate of the girl, and the Karnataka BPL ration card.
STEP 5 - Check the preview screen, submit the form, and note down the acknowledgement ID to track the verification status later.
Offline
You can also visit your nearest Aanganwadi Center, Grampanchayat Office, or an authorized bank to collect and submit your application within one year of the girl's birth.
Documents
You should keep the following documents ready for your application:
- Filled application form for Bhagyalaxmi Scheme.
- Certified birth certificate of the girl child.
- Aadhaar card of the girl child and both parents.
- Valid Karnataka BPL ration card and proof of domicile.
- Bank account details of the girl child.
- Photograph of the child with her parents.
- Family planning certificate and mother's age proof (if registering the second child).
References
FAQ's
Who can apply for Bhagyalaxmi Scheme?
The mother, father, or legal guardian of the girl child can apply for this scheme.
How much scholarship is provided?
The annual scholarship starts at ₹300 for primary classes and increases up to ₹1,000 for classes 9th and 10th.
What is the maturity amount at 18 years?
The LIC bond matures to ₹1,27,000 for the first daughter and ₹1,00,052 for the second daughter when she turns 18, subject to all conditions.
Does the scheme offer health insurance?
Yes, the girl child receives health insurance cover up to ₹25,000 per year through the Bhagyalakshmi Care Scheme.
Can I apply for my third child?
No, the benefits of Bhagyalaxmi Scheme are restricted to the first two girl children of BPL families.
Is it mandatory to vaccinate the girl child?
Yes, she must be immunized under the health department program to maintain eligibility.
What is the minimum education requirement?
The girl child must complete the eighth standard to be eligible for the final maturity amount.
How do I apply for this scheme?
You can apply through the official website or by visiting your local Aanganwadi Center or Grampanchayat office.
What if my daughter gets married before 18?
The rules strictly state that the girl must not be married before the age of 18 to receive the maturity amount.