Jammu & Kashmir Ladli Beti Scheme

Scheme Introduction: A Brief Overview

The Jammu and Kashmir Ladli Beti Scheme is a financial assistance scheme of the Government of Jammu and Kashmir designed to provide long-term financial support to eligible girl children. The scheme aims to reduce the financial burden on families and support the girl child's financial security in the future. It applies to eligible girl children born on or after 01-04-2015, subject to the prescribed eligibility and income conditions. The Social Welfare Department runs the scheme, while J&K Bank holds and operates the beneficiary accounts.

Under the scheme, the Government of Jammu and Kashmir contributes ₹1,000 every month to the Ladli Beti account during the first phase. The amount is deposited through a 14-year Recurring Deposit (RD). After the RD phase is completed, the account moves to a 7-year Cumulative Term Deposit (CCR), making the total deposit tenure 21 years. The maturity benefit is paid to the girl child's savings bank account after the applicable maturity condition is fulfilled.

To receive the benefit, the girl child must meet the prescribed conditions, including the birth-date requirement and family income limit. The scheme is currently implemented in selected districts of Jammu and Kashmir. Applicants must also fulfil the applicable district and departmental requirements while submitting their applications.

Eligible applicants can apply for the Jammu and Kashmir Ladli Beti Scheme through the Jammu and Kashmir Jansugam Portal. The application is verified by the concerned authorities before approval and processing of the beneficiary account. Applicants should keep the required birth, domicile, income, identity and bank-related documents ready while applying.

The Government of Jammu and Kashmir also runs the Marriage Assistance Scheme through the Social Welfare Department. Eligible beneficiaries can use the scheme to seek government assistance for marriage-related needs.

Scheme Benefits

Jammu and Kashmir Ladli Beti Scheme provides long-term financial support to eligible girl children through a two-phase deposit structure. The Government of Jammu and Kashmir makes a monthly contribution during the first phase, after which the account continues as a cumulative term deposit.

• J&K Government contributes ₹1,000 per month to the Ladli Beti account during the first phase.
• The first phase operates as a Recurring Deposit (RD) for 14 years.
• After completion of the 14-year RD phase, the account moves to a 7-year Cumulative Term Deposit (CCR).
• The scheme has a total deposit tenure of 21 years.
• The beneficiary receives the maturity benefit after fulfilling the prescribed maturity conditions.
• The maturity amount, along with applicable interest, is credited to the savings bank account of the girl child.
• No partial withdrawal or foreclosure is allowed during the scheme period.
• No other contribution apart from the Government's prescribed monthly ₹1,000 contribution is permitted in the Phase I RD account.

How the Ladli Beti Scheme Amount Grows in Two Phases

The Ladli Beti Scheme is a hybrid deposit plan, which simply means the savings move through two stages before the girl child can claim the money. The table below explains both phases in plain terms.

The account moves from Phase I to Phase II on its own once the recurring deposit matures, so parents do not need to apply again or visit the bank to convert it.

When the maturity amount becomes payable depends on three conditions, and the money is released on whichever of them comes last:

• The girl child completes 21 years of age.
• 21 years are completed from the date of the first instalment.
• 85 months are completed from the date of the last instalment.

Eligibility Requirements

Applicants must meet the prescribed conditions to receive financial assistance under the Jammu and Kashmir Ladli Beti Scheme.

• The girl child should be born on or after 01-04-2015.
• The annual income of the parents from all sources should be less than ₹75,000.
• The family must belong to one of the eight districts where the scheme is currently implemented
  • Jammu
  • Kathua
  • Samba
  • Kishtwar
  • Srinagar
  • Budgam
  • Pulwama and
  • Anantnag.
• The application should be complete in all respects and accompanied by the required sanction letter from the Child Development Project Officer (CDPO) of the concerned eligible district.

Required Documents

Applicants need to provide the required documents to verify the girl child's eligibility, family income, identity and bank details while applying for the Jammu and Kashmir Ladli Beti Scheme.

• Domicile Certificate of the parent/guardian.
• Birth Certificate of the girl child.
• Income Certificate of the parent/guardian.
• Aadhaar Card or Aadhaar details of the girl child.
• Aadhaar Card or identity proof of the parent/guardian.
• Bank Account Details or Bank Passbook.
• Passport-size photograph of the girl child.
• Identity proof of the parent/legal guardian.
• Sanction Letter issued by the concerned Child Development Project Officer (CDPO).
• Other documents prescribed by the Social Welfare Department or Jansugam Portal, wherever applicable.

Steps to Apply

Applicants can apply for the Ladli Beti Scheme online only. The scheme has been fully digitised, and no physical application is entertained by any officer under any circumstances, so the steps below are the only valid route to apply for Ladli Beti Scheme online.

1. Visit the JanSugam portal at jansugam.jk.gov.in.
2. Register on the ServicePlus portal by creating your login details with your name, mobile number and email ID.
3. Log in to the portal using the credentials you have created.
4. Click on "Apply for Services" on the left side of the screen.
5. Search for "Application for obtaining financial assistance under Ladli Beti Scheme".
6. Fill in the application form and upload all the mandatory documents listed above.
7. Check the details entered and click "SUBMIT" to submit your application.
8. Download the acknowledgement and keep it for record and reference.
9. Track the status of your application at various levels on the portal.
10. Share your feedback through the Rapid Assessment System (RAS), if you wish to.

Opening the Ladli Beti Bank Account

1. Approach a J&K Bank branch, where the recurring deposit account is opened by the girl child's natural or legal guardian.
2. Collect the 16-digit Ladli Beti account number issued by the branch.
3. Return to the JanSugam portal and enter this 16-digit account number correctly, as sanction by the Social Welfare Department depends on it.

Sanction and Disbursement Process

After submission, the application goes through three levels of verification and approval.

• CDPO: Checks the application and either returns it with reasons for correction or forwards it to the District Programme Officer within 15 days.
• District Programme Officer: Checks the application and either returns it with reasons or forwards it to the Deputy Commissioner within 10 days.
• Deputy Commissioner: Approves or returns the application with reasons within 10 days and sends the approved application for disbursement.
• Disbursement: The Director (Finance), Social Welfare Department issues the disbursement order and sanction letter to the concerned bank branch.

Important Account Rules

The Ladli Beti account has specific rules that beneficiaries should know before opening the account.

• Only the ₹1,000 monthly contribution from the J&K Government can be credited during Phase I.
• Partial withdrawal and foreclosure are not allowed during either phase.
• No nomination facility is available for the Ladli Beti account.
• The Ladli Beti account cannot be transferred from one bank branch to another.
• The beneficiary must submit a life certificate every three years and again at maturity, certified by a gazetted officer or the principal of her school or college.
• If the beneficiary dies, the amount along with applicable interest is transferred to the concerned CDPO for deposit into the Government account, and the account is closed before maturity without pre-payment charges.

Relevant Links

• Jammu and Kashmir Ladli Beti Scheme Online Application Form.
• Jammu and Kashmir Ladli Beti Scheme Registration.
• Jammu and Kashmir Ladli Beti Scheme Login.
• Jammu and Kashmir Ladli Beti Scheme Application Status.
• Jammu and Kashmir Ladli Beti Scheme Know Your Eligibility.
• Jammu and Kashmir Ladli Beti Scheme Guidelines.
• Jammu and Kashmir Jansugam Portal.

Contact Information

• Jammu and Kashmir Social Welfare Department Helpline Number: 0191-2542759.
• Jammu and Kashmir Social Welfare Department Helpdesk Email: [email protected].