Apply for Jammu & Kashmir’s Ladli Beti Scheme – ₹1,000 per Month for 14 Years

The Ladli Beti Scheme is a social assistance initiative by the Jammu & Kashmir Government aimed at improving the welfare of the girl child and arresting the declining female sex ratio. Sponsored by the Social Welfare Department, the scheme targets newborn girls born on or after 01/04/2015 in Jammu & Kashmir, provided the parents’ annual income from all sources is less than ₹75,000. The scheme is designed as a hybrid deposit plan with two phases to ensure the girl child does not become a financial burden at the time of marriage.

Benefits

• Phase I (Recurring Deposit):

  • A recurring deposit (RD) account is opened by the natural or legal guardian of the girl child.
  • The state contributes ₹1,000 per month from the girl child’s birth (or account opening) for 14 years.
  • Total contribution from the UT is ₹168,000/- over the 14-year period.
  • No additional credits are allowed in the RD account.

• Phase II (Cumulative Term Deposit):

  • After Phase I matures, the account graduates to a Cumulative Term Deposit (CCR) for 7 years.

• Maturity Benefits:

  • The matured amount is credited to the savings bank account of the girl child once she completes 21 years of age, or 21 years after the first installment, or 85 months after the last installment—whichever is later.
  • The beneficiary can choose to reinvest the amount in any bank deposit plan at prevailing rates.

• Additional Conditions:

  • No partial withdrawals or foreclosures are permitted in either phase.
  • Nomination facility is not applicable.
  • In case of the unfortunate death of the girl child, the account is immediately closed and the balance, along with accrued interest, reverts to the Union Territories of J&K and Ladakh.
  • A ‘life certificate’ must be furnished every three years by a gazetted officer or the principal of the school/college where the girl is enrolled.

Eligibility

• Date of Birth:
  The girl child must have been born on or after 01/04/2015.
• Income Criteria:
  The annual income of the parents (from all sources) must not exceed ₹75,000.
• Residency:
  The girl child and her family must be residents of Jammu & Kashmir.
• Account Opening:
  The account is opened by the natural or legal guardian of the girl child.

Application Process

Online Process

1. Registration:
   • Create login details on the Service Plus Portal by registering at www.jansugam.jk.gov.in or www.eunnat.jk.gov.in.
2. Application Submission:
   • Click on “Apply for Services” on the left side of the screen.
   • Search for “Application for obtaining financial assistance under Ladli Beti Scheme”.
3. Document Upload:
   • Upload all mandatory documents as required.
4. Submission and Acknowledgement:
   • Click “SUBMIT” to complete the application and download the acknowledgement for record and reference.
5. Verification and Sanctioning:
   • The application is processed sequentially:
     • The CDPO reviews and either rejects or reverts the application (with reasons) or forwards it to the DPO for approval within 15 days.
     • The DPO reviews and either rejects or reverts (with reasons) or forwards it to the Deputy Commissioner within 10 days.
     • The Deputy Commissioner then either rejects or sanctions the application within 10 days, subsequently forwarding it to the Director (Finance) / FA & CAO, Social Welfare Department for disbursement.

Documents Required

• Application Form:
  Duly filled and signed.
• Sanction Letter:
  From the CDPO (Child Development Project Officer).
• Identity Proof:
  Of the parents or legal guardians (e.g., Aadhaar Card, Passport, Voter ID, Driving License).
• Address Proof:
  Of the parents or legal guardian (e.g., Aadhaar Card, Voter Card, Utility Bills, PAN Card).
• Domicile Certificate:
  Of the parent/guardian.
• Birth Certificate:
  Of the girl child.
• Aadhaar Numbers:
  Of the girl child and the parent/guardian.
• Recent Passport-Size Photographs:
  Of the girl child.
• Bank Account Details:
  Copy of the first page of the bank passbook.
• Income Certificate:
  Proving that the parent’s annual income is less than or equal to ₹75,000.

Frequently Asked Questions

• What is the age criteria for the Ladli Beti Scheme?
  The girl child must be born on or after 01/04/2015, and the benefits continue until she attains 21 years of age (or as specified in the maturity conditions).

• What are the objectives of the Ladli Beti Scheme?
  The scheme aims to arrest the declining female sex ratio and ensure that the girl child does not become a financial burden at the time of her marriage.

• Who should open the recurring deposit account under this scheme?
  The natural or legal guardian of the girl child is responsible for opening the recurring deposit account.

• What is the contribution from the State/UT Government?
  The government contributes ₹1,000 per month in Phase I (Recurring Deposit) for 14 years, totaling ₹168,000/-.

• Are there any additional credits allowed in Phase I (RD Account)?
  No, only the monthly contribution of ₹1,000/- by the government is allowed in Phase I.

• Are partial withdrawals or foreclosures allowed under the scheme?
  No, neither partial withdrawals nor foreclosures are permitted in any phase.

• When will the maturity benefits be paid to the beneficiary?
  The maturity benefits will be credited to the girl child’s savings bank account upon meeting the maturity conditions (completion of 21 years of age or other specified criteria).

• Is the nomination facility available in this scheme?
  No, nomination is not applicable.

• Can the account opened at a particular branch be transferred to another branch?
  No, the account must remain in the branch where it was opened.

Sources and References

• Guidelines