Ladli Beti Scheme

Ladli Beti Scheme, also known as Ladli Beti Yojana, is a social support scheme of the Jammu and Kashmir government for girl children born on or after 1 April 2015. The government deposits ₹1,000 every month into a dedicated account for 14 years, building a savings corpus of ₹1,68,000, which grows to about ₹6.5 lakh by the time the girl turns 21.

Applications for 2026-27 are open through the official Jansugam e-service portal of Jammu and Kashmir. Ladli Beti Scheme is handled by the Department of Social Welfare and is implemented in eight districts of the Union Territory.

Ladli Beti Scheme - Introduction

Ladli Beti Scheme was launched by the Jammu and Kashmir government in 2015 to improve the sex ratio and reduce money problems for families with girl children. Under this scheme, parents get structured savings support so that the daughter does not face financial difficulty when she grows up.

The scheme runs as a hybrid deposit plan in two phases:

After Phase I ends, the account automatically moves to Phase II. During Phase I, the government contributes ₹1,000 every month to the account. A family qualifies when the total annual income is below ₹75,000. As per the Jansugam service page, the department gives the final approval within 30 working days of submitting the application.

Key Information

Benefits

You will get several clear financial advantages under Ladli Beti Scheme:

• A regular deposit account is opened by the legal guardian for the daughter.
• The Jammu and Kashmir government contributes ₹1,000 per month for 14 years, which totals ₹1,68,000 for the girl's future.
• No other credits are allowed in the Phase I account, so the fund stays dedicated to this goal.
• The account automatically moves to a term deposit in Phase II after the first phase matures.
• Partial withdrawals or early closure are not allowed under any circumstances.
• Maturity benefits are credited to the girl child's savings account when she turns 21, or 85 months after the final installment, whichever is later. She can reinvest this amount at normal bank rates.
• Nomination is not available. If the child passes away, the balance with interest returns to the Union Territory.
• If the beneficiary dies before turning 21, the account closes without any penalty.
• The account stays at its original branch even if the family relocates, because branch transfers are not allowed.
• A life certificate for the daughter, signed by a school principal or gazetted officer, is needed every three years and at the time of maturity.
• Since the scheme is only for families with income below ₹75,000, TDS is not deducted if form 15G or 15H is submitted every year with a valid PAN.

Eligibility

Ladli Beti Scheme is currently implemented in eight districts of the Union Territory: Jammu, Samba, Kathua, Kishtwar, Srinagar, Pulwama, Budgam and Anantnag. Families in these districts can apply for the scheme through the Jansugam portal.

Families can apply when they meet these conditions:

• The girl child was born on or after 1 April 2015.
• The total annual family income from all sources is less than ₹75,000.
• The parents and the girl child are residents of Jammu and Kashmir.

Application Process

Since 1 April 2022, applications are accepted only through the e-service portal of Jammu and Kashmir. Follow these steps to apply:

STEP 1 - Go to the Ladli Beti Scheme service page on the Jansugam portal and register or log in with your details.

STEP 2 - Open the "Apply for Service" option and select the Ladli Beti Scheme service listed under the Department of Social Welfare.

STEP 3 - Fill in the required details of the family and the girl child in the online application form.

STEP 4 - Upload all required documents, including the income certificate, domicile certificate, Aadhaar cards and birth certificate, in the format asked by the portal.

STEP 5 - Submit the form and save the acknowledgment receipt for tracking. As per the service page, the department delivers the approval within 30 working days.

Documents

Keep these documents ready before starting the online application:

• Duly signed application form.
• Domicile certificate of the father, mother or guardian.
• Aadhaar card of the child, father, mother and guardian, with both sides scanned.
• Income certificate showing annual income below ₹75,000.
• Address proof such as voter card, driving licence, electricity bill, passport or bank passbook.
• Identity proof of the father, mother and guardian, such as voter card, PAN card, passport or driving licence.
• Official birth certificate of the girl child.
• First page of the bank passbook reflecting the account details.

Ladli Beti Scheme works together with the national Beti Bachao Beti Padhao Scheme for the welfare of girl children. See the Jammu and Kashmir government schemes list 2026 for other schemes by the same government.

References

Official Ladli Beti Scheme guidelines by Jammu and Kashmir Bank

Ladli Beti Scheme service page on Jansugam portal

FAQ's

What is the age requirement for Ladli Beti Scheme?

The girl child must be born on or after 1 April 2015 to be eligible for the scheme.

What is the main purpose of Ladli Beti Scheme?

The scheme improves the sex ratio and makes sure the daughter does not face money problems when she grows up, especially at the age of marriage or higher studies.

Who opens the regular deposit account?

The natural or legal guardian of the daughter opens the account under this scheme.

What is the monthly government contribution?

The government deposits ₹1,000 every month for 14 years, which totals ₹1,68,000 for the daughter.

What amount does the girl get at maturity?

The girl receives about ₹6.5 lakh when she turns 21, including the interest earned during both phases.

Can applicants add money to the Phase I account?

No, the Phase I account is reserved only for the government's monthly contribution of ₹1,000.

Are early withdrawals allowed?

No, partial withdrawals or early closure are not allowed under the rules of Ladli Beti Scheme.

When does the family receive the maturity benefit?

Once the daughter turns 21 or after 85 months from the final installment, whichever is later, the bank credits the amount to her savings account.

Is there a nomination facility?

No, nomination is not part of Ladli Beti Scheme. If the child passes away before maturity, the remaining balance returns to the Union Territory.

Which districts are covered under Ladli Beti Scheme?

Ladli Beti Scheme is currently implemented in Jammu, Samba, Kathua, Kishtwar, Srinagar, Pulwama, Budgam and Anantnag districts.

Can the account be transferred to another branch?

No, the account stays at the branch where it was first opened, even if the family moves to another city.