Investment
Secure
Download the Policybazaar app
to manage all your insurance needs.
Secure your child’s future with or without you
Start Investing
₹10,000/Month
& Get
₹1 Crore*
Ladli Lakshmi Yojana 2.0
Ladli Lakshmi Yojana 2.0 is an upgraded version of the original scheme, Ladli Lakshmi Yojana. It was launched by the Madhya Pradesh government to support girl children from economically weaker families.
Investing in your child's future:Nothing is more important than securing your child's future
We are rated++
13.2 Crore
Registered Consumer
53
Insurance Partners
6.29 Crore
Policies Sold
Invest ₹10k/month your child will get ₹1 Cr# Tax-Free*
-
Home
-
Child Plans
- Ladli Lakshmi Yojana 2.0
What is Ladli Lakshmi Yojana 2.0?
The Ladli Lakshmi Yojana was first introduced in 2007 and later upgraded to version 2.0 to include more benefits and structured payouts.
- It provides financial assistance at different stages of education
- The child plan ensures long-term financial security
- It promotes girl child education and empowerment
- Benefits are transferred directly to the beneficiary’s account
Objectives of Ladli Lakshmi Yojana 2.0
The Ladli Lakshmi Yojana 2.0 scheme is designed with a strong social and financial purpose:
- Focus on skill development and career opportunities
- Better financial support for higher education
- Improved digital system for easy application
- Structured payment system for better financial planning
- Encouragement to delay early marriage and focus on education
Key Features of Ladli Lakshmi Yojana 2.0
The Ladli Lakshmi Scheme 2.0 is upgraded to provide these features for the girl child:
- The government invests money in the girl child for 5 years
- Total benefit can go above ₹1 lakh
- Financial assistance is given in phases
- Direct Benefit Transfer (DBT) ensures transparency
- Special focus on higher education and career support
- Easy online and offline application process
Benefits of Ladli Lakshmi Yojana 2.0
Here are the key benefits offered by the government child education plan in 2026:
-
Financial Benefits
- ₹2,000 when the girl enters Class 6
- ₹4,000 when she enters Class 9
- ₹6,000 each in Class 11 and 12
- ₹1 lakh at the age of 21 (on fulfilling conditions)
-
Education Benefits
- This investment plan for girl child provides financial support for school education
- ₹25,000 assistance for higher education
- Encouragement to continue studies after Class 12
-
Social Benefits
- Promotes gender equality
- Reduces financial burden on parents
- Encourages families to invest in daughters’ education
Financial Support under the Ladli Lakshmi Yojana 2.0
Understanding the payment structure of Ladli Lakshmi Yojana 2.0 is very important:
- Government investment (5 years): ₹6,000 per year
- Class 6: ₹2,000
- Class 9: ₹4,000
- Class 11: ₹6,000
- Class 12: ₹6,000
- Higher Education: ₹25,000
- Final Maturity (Age 21): ₹1,00,000
Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child
Standard T&C Apply *
Eligibility Criteria for Ladli Lakshmi Yojana 2.0
To apply for Ladli Lakshmi Yojana 2.0, you must meet these conditions:
- The girl child must be born after 1 January 2006
- The family must be a resident of Madhya Pradesh
- Annual family income should be below ₹2.5 lakh
- Parents should not be income taxpayers
- Maximum two girl children are eligible per family
- Registration should be done within one year of birth
- Samagra ID is required
Documents Required for Ladli Lakshmi Yojana 2.0 Application
You need to submit the following documents for the Ladli Lakshmi Yojana application:
- Birth certificate of the girl child
- Aadhaar card of parents
- Residence proof
- Income certificate
- Samagra ID
- Bank account details
- Passport-size photo
Steps to Ladli Lakshmi Yojana 2.0 Apply Online
Follow these simple steps to apply for the Ladli Lakshmi Yojana online:
- Visit the official Ladli Lakshmi Yojana portal
- Enter the Samagra ID and verify details
- Fill in all required information carefully
- Upload necessary documents
- Review the form before submission
- Submit the application
Offline Application for Ladli Lakshmi Yojana 2.0
Follow these steps if you prefer offline mode for the Ladli Lakshmi Yojana 2.0 application:
- Visit the nearest Anganwadi centre or local office
- Collect the application form
- Fill the form with the correct details
- Attach required documents
- Submit to the concerned authority
Ladli Lakshmi Yojana 1.0 vs 2.0
| Basis | Ladli Lakshmi Yojana 1.0 | Ladli Lakshmi Yojana 2.0 |
| Overall Focus | Mainly focused on long-term savings for the girl child | Focuses on education, career, and overall development |
| Benefit Structure | Fixed financial assistance with limited flexibility | Better structured payouts linked to education stages |
| Higher Education Support | Limited or indirect support | Direct support of ₹25,000 for higher education |
| Skill Development | Not included | Includes skill development and career support |
| Approach | Financial security-oriented | Holistic growth (education + financial support) |
| Digital Process | Basic application and tracking | Improved online system with easy tracking |
| Transparency | Limited tracking visibility | Better transparency through DBT and digital monitoring |
| Impact on Society | Encouraged savings for the girl child | Encourages education, delays early marriage, and builds careers |
Conclusion
Ladli Lakshmi Yojana 2.0 is a strong step towards securing the future of girl children. It provides financial support, promotes education, and encourages families to invest in their daughters' growth.
FAQs on Ladli Lakshmi Yojana 2.0
-
What is Ladli Lakshmi Yojana 2.0?
The Ladli Lakshmi Yojana 2.0 is a government scheme that provides financial support to girl children for education and future needs. -
How much benefit is given with the Ladli Lakshmi Yojana 2.0?
The total benefit provided under Ladli Lakshmi Yojana 2.0 can go up to ₹1.43 lakh. -
Who can apply for the Ladli Lakshmi Yojana 2.0?
Families in Madhya Pradesh with eligible girl children can apply for the Ladli Lakshmi Yojana 2.0. -
How to apply for Ladli Lakshmi Yojana 2.0 online?
You can apply to the Ladli Lakshmi Yojana 2.0 through the official portal using Samagra ID. -
What is the final maturity age for the Ladli Lakshmi Yojana 2.0 benefits?
The final benefit is given at the age of 21 under the Ladli Lakshmi Yojana 2.0. -
Is Samagra ID mandatory to apply for the Ladli Lakshmi Yojana 2.0?
Yes, it is required for registration to the Ladli Lakshmi Yojana 2.0 scheme.
Investment
Secure
Secure your Child’s
Career Goal
Career Goal
Start Investing ₹10,000/Month
& Get ₹1 Crore*
*Standard T & C Apply
Insurers Offering Child Plans
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or
insurance product offered by an insurer.
- SIP Calculator
- Income Tax Calculator
- Compound Interest Calculator
- NPS Calculator
- Show More Calculator
Child plans Articles
Recent Articles
Popular Articles
26 Jun 2026
Parents of daughters find themselves comparing various schemes
25 Jun 2026
The Mukhyamantri Rajshree Yojana is a welfare initiative
23 Jun 2026
Sukanya Samriddhi Yojana, an investment of ₹250 to ₹1.5 lakh
12 Jun 2026
Sukanya Samriddhi Yojana is a government savings scheme for the
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^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.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.