The Ladli Yojana is one of the girl child schemes introduced by the Government of Delhi . Launched in 2008 it aims at providing financial incentive to those having a girl child. It provides financial assistance in the form of term deposits at various milestones of the girl’s life like birth, Class 1, 6, 9, 11, 12. Read more on how one can secure their daughter’s future with this government scheme, eligibility criteria, application process and more.
Overview
| Delhi Ladli Scheme | |
|---|
| Particular | Detail |
| Launch Year | 2008 |
| Beneficiaries | Girl Children |
| Service Offered | Deposits in a SBI fund that matures when girl becomes 18 |
| Launched By | Government of Delhi |
| Objective | To offer financial assistance to secure the future of girl children |
| Amount Contributed | Ranging from ₹11,000 to ₹5000 |
Read More: Subhadra Yojana
What Is Delhi Ladli Scheme?
Launched by The Department of Women and Children Development in 2008, the girl child welfare scheme aims to empower them in Delhi through financial assistance. It offers term deposits at birth and other educational milestones into a fund managed by SBI to promote girl’s education, reduce dropout rates and enhance their social status.
Ladli Scheme Features and Benefits
This Delhi govt welfare scheme aims to empower the girl child and women of tomorrow by giving them a chance at education and a life of equality. The features and benefits of this government scheme are manifold:
- Financial Assistance: This women empowerment scheme offers financial support when a girl crosses different educational milestones to promote growth and security
- ₹11,000 for delivery at a hospital.
- ₹10,000 for delivery at home.
- ₹5000 for each of the following classes the girl graduates from Class 1, 6,9,10,& 12.
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Promoting Education: The scheme provides financial incentives at various education junctures to reduce dropout rates and encourage educating girls.
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Empowerment: The amount that is attainable after the girl turns 18 will serve to reduce her financial dependency on others and increase her status in society.
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Reducing Discrimination: The govt scheme is aimed at reducing the stigma of having a girl child promoting investing in her education and giving access to various opportunities.
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Gender Equality: This scheme reduces the financial burden of educating a child and promotes giving girls access to education not just at the primary or secondary level but also till higher secondary and further just as parents would for a boy child.
Ladli Scheme Objectives
This Delhi government welfare scheme was designed to promote women’s empowerment and education amongst girls, let's take a look at the government scheme objectives comprehensively:
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Women Empowerment: This govt scheme looks to facilitate the raising and educating of girls so that they can grow to become educated independent women.
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Birth Registration: Lots of children are born in this country without being registered at birth thereby rendering public data insufficient. This would promote better data collection of girl births in NCR.
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Female Infanticide Reduction: The Delhi govt aims to see a reduction in this horrible social evil and promote acceptance registration and education of girl children by more and more families and also see improvement in the sex ratio in the region.
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Reducing Discrimination: As more girls become independent, financially stable, and educated thanks to this scheme, a ripple effect of the virtuous cycle is encouraged by others seeing the same and educating their daughters thereby reducing discrimination.
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Decreasing Drop Out Rates: The milestone-based incentive program is structured to encourage educating girls to an undergraduate degree or at least class 12.
Read More: LaQshya Programme
Ladli Scheme Eligibility Criteria
The government scheme has specific eligibility criteria to ensure the right beneficiaries can take advantage of the scheme. The criteria are:
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The girl’s parents or guardians should be bonafide residents of Delhi or NCT for the last 3 years before the birth of the child.
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The girl must be born in Delhi or NCT as reflected in a birth certificate issued by the MCD/NDMC.
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The annual income for the girl’s family must not exceed ₹ 1,00,000 per year.
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If registration is being done after the child’s birth, then she must be registered in an MCD, NDMC or government-recognised school.
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The government scheme is only available to two girls per family.
Delhi Ladli Scheme Application Process
The scheme can be availed during various junctures in a young girl’s life which would affect the application process. Here is a step-by-step guide to the process:
Applying Through the District Office
Step 1: Collect the application form from the District Office, Department of Social Welfare or an SBI whichever one is convenient for you. You will receive a hardcopy of the application here. You can also download the application.
Step 2: Once you have collected or downloaded the application, fill in the application form with all the required details carefully.
Step 3: Attach the necessary documents to the filled-out form, such as your birth certificate, proof of residency in Delhi, income certificate, and, if relevant, your certificate of school enrollment.
Step 4: Submit the form and the attached documents at the Department of Women & Child Development or the Social Welfare Department.
Step 5: After the application is approved it is forwarded to the State Bank Life Insurance Co. Ltd. (SBIL), the scheme’s fund manager, for processing.
Note:
- If the girl is of school going age then the application must be submitted within 90 days of her admission.
- For newborns, the registration must be done in the first year of the child.
Applying Through School
For girls already enrolled in school the process is as follows:
Step 1: Collect the form from the administrative department of the school.
Step 2: Fill out the form and attach all required documents. Make sure to enter information correctly to avoid processing delays.
Step 3: Submit the application back to the admin department and the Ladli Scheme designated officer will process it further.
Step 4: Principal of the school then verifies the application if all details are correct then it is processed further.
Step 5: From there the form is first sent to the District Office for processing and registration and then further forwarded to the SBI Insurance fund manager for fund allocation.
Delhi Ladli Scheme Documents Required
The application process requires the submission of certain documents to be processed and catalogued for the right applicant. The required documents are:
How To Check Application Status
Once the application is submitted, it is necessary to check the status of the application as it goes through various stages of approval. To check application status:
Step 1: Go to the official website of the Women and Child Development Department.
Step 2: From the home page log in to your account and, choose the Delhi Ladli Scheme option. If you don't have an account on the website, register first and then log in.
Step 3: Fill out this page with the Policy Number, Group Member ID, Member DOB, and Captcha Code.
Step 4: Check the status of your application after clicking the “Submit” button.
Ladli Scheme Renewal Process
The Ladli scheme is applicable on a milestone basis and needs to be renewed for the benefits to be available to the beneficiary. The renewal process is as follows:
Step 1: Following filing, the renewal forms will be given to the school’s principal.
Step 2: The principal will carefully examine these applications.
Step 3: After that, the application will be sent to the District Office (DO)
Step 4: These applications will be verified by the district Office.
Step 5: Any errors in the application form will be corrected.
Step 6: The application will then be sent to SBIL for renewal.
Read More: Balika Samridhi Yojana
Budget of Delhi Ladli Yojana
The Delhi government has allocated a certain budget for this government scheme so that the program doesn’t suffer from underfunding and lose its efficacy. Let's find out the budget linked to this scheme-
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The scheme allocated ₹11,000 for delivery at a hospital and ₹10000 if the delivery is done at home. The beneficiary also receives ₹5000 per academic milestone of Class 1, 6, 9, 10, & 12 crossed.
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The government has, since the inception of the scheme, allocated a separate line item for this scheme in the budget.
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In 2021, the government of Delhi allocated ₹100 Cr for this Sarkari scheme so that no female student who meets the eligibility criteria should have to be rejected due to lack of funds in the program.
Implementation of Delhi Ladli Scheme
The implementation of this government scheme is one of the most important aspects, as it involves handling the funds that are being invested for their future use. -
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The financial arrangements under this government program are now being handled by the State Bank of India and SBI Life Insurance Company Limited.
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The coverage money of this plan will be placed with SBI Life Insurance Company in the girl child's name.
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SBI Life Insurance will withhold the funds till the girl kid is 18 and has completed either the tenth or twelfth grade.
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Fixed deposits would be made with the money received through the Delhi Ladli Yojana, which the girl child will receive upon reaching adulthood.
Read More: Swanirbhar Naari Complete Guide
When Can The Money Of The Delhi Ladli Scheme Be Withdrawn?
The money from this government scheme is deposited in a fund that accrues over the girl's education period in school. Since the compounding effect of the funds only happens when the funds are allowed to increase with time value of money which is then made available to the beneficiary upon meeting the following criteria:
- The two main criteria for the girl being able to access the money is if she is 18 years old and has passed Class X.
Maturity Process Under Delhi Ladli Yojana
There are certain stipulations to when the amount is considered mature and eligible for encashment
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If the girl child passes class X and reaches the age of 18, she is eligible to receive the maturity amount under this scheme.
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A girl child is eligible for a maturity payment when she graduates from the 12th grade and is under the age of 18.
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The girl child needs to have the SBIL acknowledgement letter in order to claim the maturity amount. The acknowledgement letter and all other relevant documentation must be included.
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The girl child is required to submit the application and SBIL letter.
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All girls must have a State Bank of India account with a zero balance.
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After all of this, the money will be deposited into the girl child's unique SBI-assigned ID number.
Read More: Ashirwad Scheme 2024
Conclusion
The Delhi Ladli Scheme is a wonderful initiative by the government to increase education for girls by offering financial assistance. This government scheme also is a great step towards reducing discrimination against women and female dropout rates especially amongst economically weaker families.
For more information and to engage with a community of informed citizens, visit the Jaagruk Bharat Community Page. Get updates, tips, and insights on how to access other such schemes issued by the government of India
