Objectives and Institutional Purpose
The Ladli Beti scheme was designed by the Jammu and Kashmir Government to combat skewed child sex ratios, discourage female feticide, and promote education among girl children.
Through direct state fiscal contributions deposited into institutional banking accounts, the program ensures that every verified female infant receives structured financial support until reaching adulthood.
- Gender Empowerment: Aims to elevate the social status of girl children and encourage institutional child deliveries.
- Recurring State Contribution: The government deposits a monthly financial contribution into the child's dedicated account up to a specified child age.
- Maturity Pay-Out: Accumulated funds mature into a lump sum payable to the girl child upon attaining 21 years of age.
Eligibility Criteria and Category Conditions
Eligibility under Ladli Beti Yojana is restricted to bona fide permanent residents or domicile holders of Jammu and Kashmir. The scheme covers girl children born on or after the scheme's notified effective date in notified districts.
The family annual income must fall within the ceiling stipulated by the Social Welfare Department, ensuring financial assistance reaches genuinely vulnerable and low-income households.
- Domicile Requirement: Parents must hold a valid domicile certificate of Jammu and Kashmir.
- Income Ceiling: Annual household income must be verified by a competent revenue authority (such as a Tehsildar).
- Target Age Group: Application must be initiated within the prescribed time window following the birth of the girl child.
Application Flow and Account Operations
Parents submit application forms through Child Development Project Officers (CDPOs) under the Integrated Child Development Services (ICDS) or online via designated state service portals. Required attachments include birth certificates, Aadhaar cards, and income certificates.
Upon departmental sanction, a recurring deposit account is opened in a designated partner bank (such as J&K Bank) in the name of the minor child, operated under the joint guardianship of the parent and CDPO until maturity.
- Required Documents: Birth certificate, Aadhaar card of child and parents, domicile certificate, and income proof.
- Institutional Banking: Account operated through authorized financial institutions with locked withdrawal terms until maturity.
- Social Welfare Verification: Physical and documentary verification completed by local Anganwadi workers and CDPO teams.
Official source
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Social Welfare Department, Government of Jammu and Kashmir ↗Related on KisanPe
Common questions
What is the primary objective of Ladli Beti Yojana?
The scheme aims to improve the child sex ratio, curb female feticide, and provide long-term financial security for girl children in Jammu and Kashmir.
When does the accumulated fund in Ladli Beti Yojana mature?
The accumulated financial deposit matures and is payable to the girl child upon her attaining 21 years of age.
Where can parents submit applications for Ladli Beti in J&K?
Applications can be submitted through local CDPO offices (ICDS) or authorized state online service portals.
General guidance, not personal advice. For your farm, ask your local Krishi Vigyan Kendra or agriculture officer.
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