Government Plans For Girl Child

India's State and Central Governments have introduced novel schemes for a girl child to encourage more parents to plan their futures.These include savings plans, child insurance, education schemes, etc. If you are a parent of a newborn girl child or even a minor, you should consider these plans. 

Best Child Saving Plans
  • Insurer pays your premiums in your absence

  • Invest ₹10k/month and your child gets ₹1 Cr tax free*

  • Save upto ₹46,800 in tax under Section 80(C)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Nothing Is More Important Than Securing Your Child's Future

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A key benefit of government plans for girl child is that they are reliable and offer assured returns. So your money remains safe, and your child can enjoy the benefits in the future for the purpose of their education. Moreover, most of these plans offer tax benefits on the interest earned and the maturity proceeds. Therefore, these can be excellent options to start saving for your daughters and give wings to their dreams and aspirations.

Best Government Plans For Girl Child In India

For your information, we have listed all the active government schemes in India that you can explore for your girl child.

Central Government Initiatives for Girl Child

  1. Beti Bachao Beti Padhao

    Beti Bachao Beti Padhao programme provides assistance to girls across the country. This program's primary goal is to prevent selective abortions and to improve the quality of education for a girl child. Rather than financial assistance, this is primarily an educational programme aimed at changing societal attitudes.

    This initiative was supported by the Ministries of Women and Child Development, Health and Family Welfare, and Human Resource Development. The program aims to prevent the selective abortion of girl child and to ensure their inclusion in society, their well-being and education. It further supports equality of both genders and endorses the right of girl children to inherit property.

  2. Sukanya Samriddhi Yojana

    Sukanya Samriddhi Yojana Account is a small deposit scheme for girls. The programme enables parents to establish a trust fund for their child's future needs. The accumulated sum can help young girls pursue their dreams and negate the idea that girls are a burden. The scheme is managed by the Ministry of Finance and operated by the Post Office of India. The following are some important features of this savings account for girl child:

    • The girl child should be under the age of ten.

    • The account can be opened by the girl child's guardian or either of her parents.

    • The minimum annual investment is Rs 250, and the maximum investment is Rs 1.5 lakhs.

    • The account matures when the girl child reaches the age of 21 or when she marries after reaching the age of 18.

    • On maturity, the girl child can withdraw the total sum.

    • Once the girl child reaches the age of 18, she can make partial withdrawals to fund her marriage or her education.

  3. Balika Samridhi Yojana

    The Balika Samriddhi Yojana assists low income families and their daughters with financial needs. The scheme serves to improve a girl's social status and increase female enrolment in school. Some important things to note about this government plan for girl child are:

    • The scheme is only available to newborns.

    • At the time of her birth, Rs.500 is paid in her name.

    • The girl child further receives an annual scholarship in the range of Rs. 300 to Rs. 1000 till the completion of her 10th standard.

    • The maximum enrollment age is 10.

    • Only two daughters from a family are eligible to apply for this program.

    • The depositor must come from a family that is 'Below the Poverty Line.'

  4. CBSE Udaan Scheme

    The CBSE Udaan scheme for girls is managed and administered along with the Ministry of Human Resource Development of the Government of India. This programme works towards encouraging more girls to enroll in the best engineering colleges throughout the country. Girls in their CBSE higher secondary grades who are enrolled under this scheme can avail free course materials and online resources. Further, the scheme offers peer learning opportunities and mentorship programmes to deserving female students. In order to qualify for this scheme, the annual household income must be less than Rs. 6 lakhs and the girls must be enrolled in the subjects Physics, Chemistry, and Mathematics.

  5. National Scheme of Incentives to Girls for Secondary Education

    The Department of School Education and Literacy, Human Resource Development Ministry, Government of India, manages this pan-India scheme. The scheme's purpose is to promote continued enrollment in a girl child's secondary education. It is primarily intended for girls belonging to families of lower socioeconomic backgrounds.

    As part of this scheme, Rs. 3000 is offered as fixed deposit in the name of the daughter. Like any other FD, this amount shall earn interest at govt. specified rates. The entire accumulated sum can be withdrawn once she turns 18 or passes her 10th exam. To be eligible for this scheme, the girl should be enrolled in a govt. sponsored school. Further, she must be aged 16 or less, be unmarried, and must be enrolled in the 9th standard following completion of her 8th standard.

State Government Plans for Girl Child

  1. Mukhyamantri Kanya Suraksha Yojana

    Introduced by the State of Bihar, this scheme rewards parents of a newborn girl child with Rs. 2000. The birth certificate of the child is mandatory to avail of the benefits under this scheme. The parents must be permanent residents of Bihar and fall in the below poverty line category. Interested parties can claim the benefit at the Gram Panchayat, the Collector’s office, or at the Zilla Parishad.

  2. Ladli Lakshmi Yojana

    This scheme for girl child was initiated by the Madhya Pradesh Government in 2007 with the aim to promote a better life for them. The scheme further strives to improve sex ratio and girl child education in the state. The scheme deposits Rs. 6000 for 5 years in the name of the girl child, totaling an amount of Rs. 30,000. Additional deposits shall be made in the following order:

    • Rs. 2000 for admission of the girl into 6th standard

    • Rs. 4000 for admission of the girl into 9th standard

    • Rs. 6000 for admission of the girl into 11th standard

    • Rs. 6000 for admission of the girl into 12th standard

    • The final sum of Rs. 1 lakh is offered to the child once she reaches the age of 21 years

  3. Delhi Ladli Scheme

    The objective of the scheme is to empower girl children both socially and economically in the National Capital Territory of Delhi. The following financial benefits are applicable under this scheme:

    • Rs. 11000 if child delivery occurs in a medical institution

    • Rs. 10000 if child delivery occurs in a home setting

    • Rs. 5000 for admission of the girl into 1st standard

    • Rs. 5000 for admission of the girl into 6th standard

    • Rs. 5000 for admission of the girl into 9th standard

    • Rs. 5000 for admission of the girl into 10th standard

    • Rs. 5000 for admission of the girl into 12th standard

    The annual income of the girl child’s family must be equal to or less than Rs. 1 Lakh.

  4. Mukhyamantri Rajshri Yojana

    In Rajasthan, the Mukhyamantri Rajshri Yojana was introduced. It provides financial assistance to parents of female children from the time they are born until they complete their schooling. Further, when a girl child is born, the mother gets paid Rs.2,500. A cheque for another Rs 2,500 is issued after the child has completed one year of immunizations. Other financial assistance to the girl child include:

    • Rs.4,000 when she enrolls in any public school in grade 1.

    • Rs.5,000 when a child enters Grade 6.

    • Rs. 11,000 when the girl enters Grade 11.

    Note that only permanent residents of Rajasthan are eligible to avail of the benefits of this government plan for girl child.

  5. Mazi Kanya Bhagyashree Scheme

    The scheme was introduced by the Maharashtra government to improve the lives of girls belonging to low-income families and marginalised groups. The mother of a girl child receives Rs. 5000 per year for five years from the time she is born. After that, the family is offered Rs. 2500 in financial assistance each year till she enters her 5th grade in school. From then on till grade 12, the child receives Rs. 3000 every year. The girl child further receives Rs. 1 lakh per year for educational expenses until she reaches the age of 18.

  6. Tamil Nadu Chief Minister’s Girl Child Protection Scheme

    The initiative aims to prevent gender inequality through direct government spending in a Fixed Deposit in the name of a girl child. The government shall deposit a sum of Rs. 50,000 if it’s a single child, or Rs. 25,000 each for two daughters. The FD is made with the Tamil Nadu Power Finance and Infrastructure Development Corporation Limited.

  7. Nanda Devi Kanya Yojana

    This programme is exclusive to Uttarakhand. Under the scheme, a newborn girl is offered Rs. 1,500 as fixed deposit. Once she completes her senior secondary education and is of 18 years of age, she receives the deposit amount along with the accrued interest. All permanent residents of Uttarakhand who fall in the category of below poverty line can avail of the perks of this scheme.

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