Central Government Scheme

Beti Bachao Beti Padhao

Beti Bachao Beti Padhao is a central government scheme for girl child schemes which is applicable throughout the country. The key objective of this scheme is to save the girl child from social ills such as gender-biased abortions and advance the education of girl children all over the country.

This scheme was initially targeted at districts that were recognized to have low sex ratio i.e. fewer women children as compared to male children but was later expanded to include other parts of the country as well. This is primarily an education-based initiative to help change social attitudes and does not involve direct cash transfer.

Key objectives of this social welfare scheme for girl child include:

Preventing gender-biased selective abortions
Ensuring survival and protection of girl child in infancy
Ensuring education and participation of the girl child

To know more about the scheme, click the link https://wcd.nic.in/bbbp-schemes

Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana is a special government-backed savings scheme that features a girl child as the primary account holder while the parent/legal guardian is a joint holder of the account. This account can be opened before the girl child is 10 years old and contributions need to be made for 15 years after opening the account.

The following are some of the key features and benefits of investments made into a Sukanya Samriddhi Yojana account:

Flexible deposit option with an initial deposit as low as Rs. 1000 up to Rs. 1.5 lakh annually.
A high fixed rate of return currently 8.5% as of Q4 FY 2018-19.
Tax deduction benefit under section 80C of the IT Act 1961.
Completely tax-exempt investments as the principal invested, maturity amount and interest earned are all exempt.
Partial withdrawal option is available for the higher education of girl child.
Can be availed across India at any PSU bank, India Post Office and at select private sector banks.
Long term investment as investments can be made for 15 years after opening the account.

Launched as a part of Beti Bachao Beti Padhao Campaign, Sukanya Samriddhi Yojana is a small savings scheme by the Government of India. The scheme revolves around the objective of welfare of women and the girl child in India. With a minimum contribution of Rs.250, applicants of the scheme can get higher returns of 8.4% and tax benefits of maximum Rs.1.5 lakh under section 80C of the Income tax Act (1961).

How does Sukanya Samriddhi Yojana (SSY) Calculator work?

After the provision of all the required details, the calculator determines the value which will be sanctioned on maturity. In order to perform the process effectively, at least 1 contribution in a year for 14 years is mandated.

It is assumed that the individual is contributing the same amount every year
From 15th to 21st year, no contributions are required to be made. And, Interests are calculated on the basis of previous contributions made during the scheme period
The interest generated while providing the final amount is considered by the calculator

Key Aspects

Here are some points covered under the working of the calculator which defines a method to use the calculator and how it works:

To perform the calculation, one must provide the age of the girl child and the amount of contribution made
Minimum amount of contribution towards the scheme is Rs.250
Maximum amount of contribution is Rs.1,50,000
21 years is the maturity period of the scheme

Calculation of Maturity Value

Here is a calculation of maturity value keeping the monthly and yearly contribution constant. Assumptions made for the calculation are-

Rate of Interest throughout the 21 years of scheme period is 8.4%
Monthly contributions are made on the 1st of every month
Yearly contributions are made every year on the 1st of April
The amount for monthly and yearly contribution is fixed
No withdrawals are made throughout the 21 years of scheme period

Balika Samriddhi Yojana

The Balika Samriddhi Yojana is a scholarship scheme designed to provide financial support to young girls and their mothers who are below the poverty line. The key objective of the scheme is to improve their status in society, increase the marriageable age of girls and improve the enrollment as well as retention of girls in schools.

Features and benefits of the Balika Samriddhi Yojana

This girl child benefit scheme is available in both urban as well as rural areas.
Cash benefit of Rs. 500 provided to mother of girl child after the birth of a newborn.
When attending school, a girl child can get an annual scholarship from Rs. 300 to Rs. 1000 till 10th
Withdrawal facility of balance amount available after the girl child turns 18 years old and is still unmarried.

Applicants can download the Balika Samriddhi Yojana Forms for free from the Women & Child Development Department website. The following are the links to this girl child scheme application form for urban areas and rural areas:

What is Balika Samridhi Yojana?

Balika Samridhi Yojana was introduced by the Indian Government in 1997 under the policies for Women and Child Development to facilitate the girl child. It is widely known as a key initiative to support the birth and education of the girl child.

Objectives of the Scheme

This scheme works for the welfare of the girls with the following objectives:

Bring positive change in the attitude of the family, society or community towards the mother and the girl child
Protecting and Improving the enrollment as well as retention of the girls in school
Rightly raising the girl child till she reaches the legal age for marriage
Helping the girls and motivating them to take up income generating activities for her own welfare

Factors of Balika Samridhi Yojana

Initially, under Balika Samridhi Yojana (BSY), there were incentives assimilated- a gift of Rs.500/- presented to the mother on delivery of the girl child. Also, annual scholarships were provided for the child’s education by the Government. However, the exact guidelines were not received for the scholarships.

Over the period from 1999 to 2000, BSY underwent a whole redesigning and restructuring of the benefits and provisions in order to ensure that prominent advantages are emanated to the girl child. Hence, now the eligible girl children under Balika Samridhi Yojana are inherently deserving of the following benefits:

Rs.500/- presented as a post birth grant amount

Annual Scholarships for the girl children born on or after 15th August 1997 and are registered under the BSY. The details of the scholarship are given below:

Class

Annual Scholarship amount (Per Annum)

I to III

Rs.300/- for each class

Rs. 500/-

Rs. 600/-

VI to VII

Rs. 700/- for each class

VIII

Rs. 800/-

IX to X

Rs. 1000/-

Eligibility and Coverage under Balika Samridhi Yojana

As the name of the scheme suggests, this Yojana is available for girl children only. Here is a list of eligibility conditions which are required to be fulfilled by the candidate to get the benefits from BSY:

BSY covers both the rural and urban areas in all the districts of India.
- For the residents of rural areas, families identified to be below the poverty line according to the criteria specified under Swarnajayanti Gram Swarozgar Yojana, will be taken as the target group.
- For the residents of urban areas, the families living in urban slums irrespective of their recognition, will be covered under Balika Samridhi Yojana. Also, families working as rag-pickers, vegetables & fruit sellers, payment vendors etc. are covered under the scheme. Moreover, according to the instructions of the Government of India, there are surveys conducted to check for the families BPL and lists are prepared under the Targeted Public Distribution System (TPDS) which can be followed to keep a record of the target groups.
The Balika Samridhi Yojana benefits the girl children born on or after 15th August 1997, who belong to families under the poverty line.
All the benefits of this scheme are provided to only two girl children from every family irrespective of the number of children in the family.

Balika Samridhi Yojana (BSY)- Application Procedure

In the rural areas, this scheme is executed by Integrated Child Development Services (ICDS) and in the urban areas, the same is implemented through functionaries of Health Department. The families qualifying for the benefits of Balika Samridhi Yojana must follow these steps for application:

The Application forms for the same scheme are available with Anganwadi Workers (rural areas) and with the Health Functionaries (rural areas). Also, the same form can be obtained online but it is to be noted that there are different forms for rural and urban beneficiaries.
The form must be duly filled with all the required details
Submit the form from the same platform from which it was obtained

Application form to avail benefits from Balika Samridhi Yojana (Rural Areas)
http://wcdhry.gov.in/BSY%20Performa(rural).pdf
Application form to avail benefits from Balika Samridhi Yojana (Urban Areas)
http://wcdhry.gov.in/BSY%20Performa(urban).pdf

Documents Required

The candidates shall provide the following documents along with the application form to enrol into the Balika Samridhi Yojana:

Birth Certificate of the Girl Child- issued by the hospital where the girl child was born or by the Government
Address Proof of the parents or legal guardian– Passport, Driving License, Electricity or Telephone Bill, Voter ID Card, Ration Card or any other address proof issued by Govt. of India.
Parents’ or Legal Guardian’s Identity Proof- Passport, PAN Card, Matriculation Certificate, Voter ID Card or any other certificate issued by Govt. of India which validates the identity of the girl child

Other Terms and Conditions

The respective amount of financial assistance including the amount of post-birth grant and educational scholarship under the Balika Samridhi Yojana is credited into the account of the beneficiary.

The deposition of the amount is carried into an interest bearing account which is opened in favor of the beneficiary girl child.
It is subjected that the amount must earn the maximum interest possible. Consequently, the beneficiary girl child is advised to look for saving schemes such as Public Provident Fund or National Savings Certificate.
Only a portion from the Post-birth grant and educational scholarship can be applied to pay the premium on an insurance policy sanctioned in the name of the girl child under the Bhagyashri Balika Kalyan Bima Yojana. Moreover, the amount accrued under annual scholarship can be permitted to be utilized for purchases of textbooks, uniforms etc. for the girl. The remaining amount after required payment shall be duly deposited in the account of the beneficiary.
When the girl child attains the age of 18 and obtains the certificate from Gram Panchayat/Municipality for her being unmarried on her 18th birthday, the agency authorizes the bank or post office to allow her to withdraw the amount from the interest bearing account.
In case the girl gets married before the age of 18, she will have to do without the amount of annual scholarship and the interest which has accrued. She will then be entitled to get the post-birth grant amount of Rs.500/- only with the interest accrued.
In case the girl, unfortunately, dies before attaining the age of 18, the whole amount accumulated in her account would be withdrawn.

CBSE Udaan Scheme

The CBSE Udaan scheme for girls is administered by the Central Board of Secondary Education through the Ministry of Human Resource Development, Government of India. The focus of this scheme is to increase the enrollment of girls in prestigious engineering and technical colleges across India.
The scheme includes efforts that are made in order to enrich the learning experience with special focus of girl students who are from the economically backward sections of society.

The following are the key features of the CBSE Udaan Scheme:

The free course material/online resources such as video study material for girl students in 11^th and 12^th standard
Virtual contact classes on weekends for girl students in 11^th and 12^th
Peer learning and mentoring opportunities for meritorious girl students.
Study helpline services to clarify the doubts of students.
Constant monitoring and tracking of students’ progress.

Eligibility for CBSE Udaan Scheme

The following are key eligibility criteria for enrollment in the Udaan Scheme:

Girl students who are Indian citizens residing in India.
Girl student must be enrolled in Physics, Chemistry or Mathematics stream in class 11th and 12th studying in CBSE affiliated schools.
Annual family income of student must not exceed Rs. 6 lakh annually.
Merit-based selection subject to specific criteria.

Applicants of this scheme can do so through their respective CBSE-affiliated schools. To know more you can visit http://cbseacademic.nic.in/online/UdaanHome/udaan.html

National Scheme of Incentive to Girls for Secondary Education

The National Scheme of Incentive to girls for secondary education scheme is a pan India scheme managed by the Department of School Education & Literacy, Ministry of Human Resource Development, Government of India. It is primarily for the benefit of girls belonging to the backward classes of India.

Eligibility National Scheme of Incentive to Girls for Secondary Education

All SC/ST girls who have passed class 8 examination, girl students from other social classes are also eligible if they have passed class 8 exam from Kasturba Gandhi Balika Vidyalayas.
Girls eligible for the scheme also need to be aged less than 16 years.
Girl students who are married or are enrolled in various central government schemes such as CBS, NVS, and KVS are not eligible for this scheme.

How does the National Scheme of Incentive to Girls for Secondary Education work?

Once an eligible girl student has been selected, Rs. 3000 is deposited as a fixed deposit on her behalf. This amount can be withdrawn with interest after the girl student passes the class 10th exam and completes the age of 18 years.

State Government Girl Child Schemes

In addition to central government schemes, every state in India also has its own scheme for girl child welfare. The following are some of the most well-known state-wise girl child schemes in India.

Ladli Scheme of Haryana

Ladli Scheme of Haryana is sponsored by the Haryana government to enhance the status of the girl child in society. The scheme is additionally focused on ensuring that mindset of society and attitude towards the girl child is changed such that social ills including female foeticide are eliminated. The scheme was introduced by the Haryana State Government on 20^th August 2015.

How the Ladli Scheme Works?

This is a cash incentive scheme that provides a payout of Rs. 5000 annually for a period of 5 years to families with a second girl child born on the after 20th August 2015. This money is deposited in a Kisan Vikas Patra jointly in the name of the 2nd girl child and the mother/father/legal guardian. These deposits along with interest will be released after the 2nd girl child is 18 years old.

How to Get Ladli Scheme Application Form?

Forms to apply for the Ladli Scheme of Haryana can be availed from the nearby Aganwadi Centres. The form has to be filled out and submitted with the Aganwadi worker or Health Staff of the local area along with birth certificates of both the 1st and 2nd girl children. You can also download the Ladli Scheme Application Form http://www.wcddel.in/pdf/LadliFormOct2015.pdf

Ladli Laxmi Yojana of Madhya Pradesh

The Madhya Pradesh Ladli Laxmi Yojana is a government of Maharashtra-sponsored girl child scheme that seeks to improve the status of girl children and women in the state. The plan was introduced in 2006 and aims to prevent social ills such as child marriage and female foeticide. Subsequent to approval of beneficiary, Rs. 6000 worth of National Saving Certificates will be purchased every year for the first 5 years in the name of the beneficiary.

Out of this investment, Rs. 2000 will be invested after the girl child is admitted in 6^th class and subsequently Rs. 4000 will be invested in the admission of a girl in 9^th class.

Eligibility for Ladli Laxmi Yojana

The family must be resident of Madhya Pradesh and must not have taxable income.
After the birth of a second child, the family needs to adopt family planning and first girl child must be born after 1^{st^{April 2008.}}
The beneficiary must attend the Aganwadi regularly.

The form to sign up for the Ladli Laxmi Yojana can be obtained from the local Anganwadi Centre of their village/locality in which the household is located. The form needs to be filled out and submitted to the Anganwadi Centre of their village/locality within 1 year of birth of the girl child along with copies of applicable documents. Download the Ladli Laxmi Yojana Form. https://shivpuri.nic.in/pdf/Ladli%20laxmiyozna.pdf

Karnataka Bhagyashree Scheme

Bhagyashree Scheme is a Karnataka government scheme designed to promote the birth of girl child among families below the poverty line. The financial assistance to the girl child is provided some key criteria have been met.

The girl child receives health insurance cover up to a maximum of Rs. 25,000 annually. The girl child receives an annual scholarship of Rs. 300 to Rs. 1000 up to class 10^th.

Eligibility for the Bhagyashree Scheme

Girl children of the BPL family are eligible to take this benefit provided they were born after 31^st March 2006.
Enrolment is allowed up to 1 year after the birth of the child and a maximum of two children can be covered under this scheme.
Additional financial benefits are also available to the beneficiary provided certain criteria are met.

Mazi Kanya Bhagyashree Scheme from Government of Maharashtra

The Mazi Kanya Bhagyashree Scheme is a Government of Maharashtra promoted scheme that is designed to help improve the condition of girl child among the BPL and other weaker sections of society.

Benefits offered under the Mazi Kanya Bhagyashree Scheme

The girl child’s mother receives Rs. 5000 every year for the first 5 years after the birth of the girl child. Subsequently, financial aid of Rs. 2500 per year is provided till the girl child is enrolled in 5^th class.

After this, the financial aid is increased to Rs. 3000 per year till the girl child is enrolled in class 12. Once she attains the age of 18 years, she will receive Rs. 1 lakh annually for her education. Further payouts may be available to the girl child for further studies.

Mazi Kanya Bhagyashree Scheme Application Form

The application form for the Mazi Kanya Bhagyashree Scheme can be obtained from the local Anganwadi and submitted with the local Anganwadi worker along with all the applicable documents such as the birth certificate of the girl child. You can also get further details about this girl child scheme and download the Mazi Kanya Bhagyashree Scheme Application Form

https://womenchild.maharashtra.gov.in/var/www/html/wcdm/upload/uploadfiles/files/Majhi%20Kanya%20Bhagyashree%20Scheme.pdf

West Bengal Kanyashree Prakalpa

The Kanyashree Prakalpa of West Bengal is a state initiative for girl child schemes designed to improve the status as well as the well-being of girls especially those from weaker socio-economic classes. This scheme is implemented by the Department of Women Development and Social Welfare, Government of West Bengal in the form of conditional cash transfers.

The Kanyashree scholarship is Rs. 750 annually for girls between the age of 13 and 18 years along with a one-time grant of Rs. 25,000 for girls between the ages of 18 and 19 years.

Eligibility Criteria for the Kanyashree Prakalpa

A girl student is eligible for benefits under the Kanyashree Prakalpa subject to the following criteria:

The beneficiary must be resident of West Bengal and have a bank account in her name
The girl child must be enrolled in an educational institution and unmarried
The maximum annual income of the girl’s family must be Rs. 1.2 lakh annually

Kanyashree Prakalpa Application

A girl child can apply for the annual scholarship under this scheme as soon as they are 13 years old provided they are enrolled in class 8 or higher. The one-time grant application under Kanyashree Prakalpa can be made between the ages of 18 and 19 years.

The Kanyashree scheme application form can be availed from the institution where the girl child is studying. This needs to be filled out and submitted along with documents such as birth certificate, a declaration that the applicant is unmarried along with an annual income statement confirming that family income is Rs. 1.2 lakh annually or less.

Download Kanyashree Prakalpa K1 Application Form

https://wbxpress.com/wp-content/uploads/2013/09/Kanyashree-Application-Form1.pdf

Download Kanyashree Prakalpa K2 Application Form

https://wbxpress.com/wp-content/uploads/2013/09/Kanyashree-Application-Form2.pdf