The best Pradhan Mantri scheme for girl child includes initiatives like Sukanya Samriddhi Yojana (SSY), Balika Samriddhi Yojana (BSY), and Beti Bachao Beti Padhao (BBBP). These schemes help parents secure their daughters’ future through education, financial support and social benefits. Many govt schemes are now available online, making it easy for parents to apply and choose the right policy for their girl child.
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Invest ₹10k/month your child will get ₹1 Cr# Tax-Free*
The Indian government has programs called "Government Schemes for Girl Child" that are meant to improve girls' health, education, and social standing. These child investment plans cover many aspects of a girl's life, from when she is born to when she goes to school and then to when she is an adult.
The key reasons for these PM schemes for the girl child are to:
Below is the list of Government Schemes for the Girl Child in India:
| Scheme | Eligible Beneficiaries | Financial Benefit / Scholarship / Interest | Tax Treatment |
| Beti Bachao Beti Padhao (BBBP) | Girl children across India | No direct monetary benefit. Funds are used for awareness campaigns and improving welfare services for girls. | Not applicable |
| Sukanya Samriddhi Yojana (SSY) | Girl child below 10 years | - Interest rate 8.2% per annum (FY 2026-27) compounded annually.
- Minimum deposit ₹250; maximum ₹1.5 lakh per year. |
EEE tax status – deduction under Section 80C; interest and maturity amount are tax-free |
| Balika Samriddhi Yojana (BSY) | Girl child born in BPL families | - ₹500 grant at birth plus annual scholarships: - Class 1–3: ₹300/year, - Class 4: ₹500/year, - Class 5: ₹600/year, - Class 6–7: ₹700/year, - Class 8: ₹800/year, - Class 9–10: ₹1,000/year |
Government assistance; no specific tax deduction |
| CBSE Udaan Scheme | Girl students in Classes XI–XII interested in engineering | Free online coaching, virtual classes, mentoring, and study material for engineering entrance preparation | Not applicable |
| National Scheme of Incentive to Girls for Secondary Education (NSIGSE) | SC/ST girls and girls from Kasturba Gandhi Balika Vidyalayas enrolled in Class IX | ₹3,000 fixed incentive deposit in the girl’s name, withdrawable after age 18 and passing Class X | Not applicable |
| CBSE Merit Scholarship Scheme for Single Girl Child | Single girl child who passed CBSE Class X with required marks | ₹500 per month scholarship for 2 years (Classes XI and XII) | Scholarship income is generally exempted under Section 10(16) |
| Kasturba Gandhi Balika Vidyalaya (KGBV) | Girls aged 10–18 from SC/ST/OBC/minority/BPL families | Free residential schooling, including tuition, accommodation, textbooks, uniforms, and meals | Not applicable |
| Kishori Shakti Yojana | Adolescent girls aged 11–18 | Nutrition support through Anganwadi centres and vocational training. Financial support varies by programme implementation. | Not applicable |
Below are the details of the best child plans that are offered by the Central Government of India for the girl child:
The Beti Bachao Beti Padhao Scheme is a flagship campaign for girl child introduced by the Government of India. The scheme focuses on improving the status of girls by promoting education, preventing gender discrimination and improving child sex ratio.
The Sukanya Samriddhi Yojana is one of the most popular Pradhan Mantri schemes for the girl child in India. It encourages long-term savings with attractive SSY interest rates of 8.2% p.a. and tax advantages. This government savings scheme was launched to help parents build a financial fund for their daughter's education and future needs.
Balika Samriddhi Yojana (BSY) is a central government scheme launched to support the education and welfare of girl child who belong to Below Poverty Line (BPL) financially. It provides financial assistance from birth and continues through school years to reduce dropouts.
The CBSE Udaan Scheme supports girls who want to pursue careers in engineering and technical education. This programme is one of the important government schemes for girl child focused on higher education.
The National Scheme of Incentive to Girls for Secondary Education encourages girls to continue their studies after completing elementary education. It is one of the widely recognised govt schemes for girl child focused on reducing dropout rates among girls.
The CBSE Merit Scholarship for Single Girl Child is a special policy for girl child introduced to encourage education among single girl children in India.
The Kasturba Gandhi Balika Vidyalaya is a residential school programme for girls belonging to disadvantaged communities. It is one of the most important government schemes for girl child focused on education.
The Kishori Shakti Yojana is a welfare programme that focuses on the health, nutrition, education, and skill development of adolescent girls. It is implemented through the Integrated Child Development Services (ICDS) programme to empower girls aged 11 to 18 years.
| Scheme | State | Eligible Beneficiaries | Benefit / Features |
| Mukhyamantri Kanya Suraksha Yojana | Bihar | Girl child born in BPL families | ₹2,000 deposited in the girl’s name at birth through UTI Children's Career Balanced Plan |
| Ladli Lakshmi Yojana | Madhya Pradesh | Girl child born in MP after scheme launch | Government purchases ₹6,000 National Savings Certificates annually for 5 years (₹30,000 total). Later benefits include ₹2,000 in Class 6, ₹4,000 in Class 9, ₹7,500 in Class 11–12, and about ₹1 lakh at age 21 if conditions are met |
| Delhi Ladli Scheme | Delhi | Girls born in Delhi resident families with income limits | Financial support in stages: ₹11,000 at birth (institutional delivery) or ₹10,000 (home birth), ₹5,000 at Class 1, 6, 9, 10, and 12 |
| Mukhyamantri Rajshri Yojana | Rajasthan | Girls born in Rajasthan in eligible families | Total benefit up to ₹50,000 in instalments from birth to Class 12 (birth registration, immunisation, school admission, and education milestones) |
| Majhi Kanya Bhagyashree Scheme | Maharashtra | Girl child from families with an annual income limit | Government deposits ₹50,000 for one girl child or ₹25,000 each for two girls in a long-term savings scheme. Maturity benefit of about ₹1 lakh at age 18 if conditions are met |
| Tamil Nadu Chief Minister’s Girl Child Protection Scheme | Tamil Nadu | Families with one or two girl children who undergo family planning | Deposit of ₹50,000 for one girl child or ₹25,000 for each of two girls in a government savings scheme. Maturity value received after 18 years |
| Nanda Devi Kanya Yojana | Uttarakhand | Girl child from BPL families | ₹11,000 deposit at birth in the girl’s name; amount matures when she turns 18 |
| Aapki Beti Hamari Beti | Haryana | First girl child in SC/BPL families and second girl child in all families | ₹21,000 deposited at birth in a long-term savings instrument payable at age 18 |
| Kanya Kosh Scheme | Haryana | Girl children from economically weaker families | Financial support for education and welfare through the Haryana Kanya Kosh fund, which finances girl-child programmes |
| Kanyashree Prakalpa | West Bengal | Girls aged 13–18 studying in school and unmarried | ₹1,000 annual scholarship (K1) and ₹25,000 one-time grant (K2) at age 18 if the girl continues education and remains unmarried |
State Government Schemes provide targeted financial incentives, fixed deposits, and milestone payments customised to local needs, enhancing economic security and enrollment in specific regions. Below are some of the investment plans for girl child offered by the State government:
The Mukhyamantri Kanya Suraksha Yojana is a govt scheme for girl child introduced by the Bihar government to support girls from economically weaker families.
The Ladli Lakshmi Yojana is a well-known policy for girl child introduced by the Madhya Pradesh government. It provides financial support to encourage the education and empowerment of girls.
The Ladli Scheme is an important government scheme for girl child launched by the Government of the National Capital Territory of Delhi. It provides financial assistance at different stages of a girl’s education through government deposits.
The Mukhyamantri Rajshri Yojana is an important govt scheme for girl child launched by the Rajasthan government to support girls from birth to higher education.
The Mazi Kanya Bhagyashree Scheme is a financial assistance programme introduced by the Maharashtra government to promote the welfare of girls.
The Tamil Nadu Chief Minister's Girl Child Protection Scheme is a well-known government scheme for girl child that promotes the welfare and protection of girls in the state.
The Nanda Devi Kanya Yojana is a welfare scheme introduced by the Uttarakhand government to support girls from financially weaker families.
The Aapki Beti Hamari Beti Scheme is a major policy for girl child launched by the Haryana government to improve the welfare of girls and promote gender equality.
The Kanya Kosh Scheme is an initiative introduced by the Government of Haryana to support the welfare and development of girls in the state. This scheme focuses on improving the social and financial security of girls, especially those from economically weaker families.
The Kanyashree Prakalpa is one of the most successful govt schemes for girl child focused on education and preventing child marriage.
The Government schemes aimed at girls are very important for their education, empowerment, and general health. These programs help with money, scholarships, skill-building, and health care and nourishment. These programs help make society more open and progressive by fighting gender discrimination and encouraging women to go to school.
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^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
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