Ladli Laxmi Yojana

Ladli Laxmi Yojana is a social welfare scheme launched by the Government of Madhya Pradesh in May 2007 to improve the health, educational status, and financial security of girl children across the state. The scheme aims to improve the status of girls, encourage families to educate their daughters and reduce child marriage. Under the Ladli Laxmi scheme, an eligible girl child receives an assurance certificate worth ₹1,43,000 after registration. Under the expanded Ladli Laxmi 2.0 initiative, eligible beneficiaries can also receive ₹25,000 towards higher education, paid in two instalments, and a final payment of ₹1 lakh at age 21, subject to the applicable conditions.

Key Objectives of Ladli Laxmi Yojana

The Ladli Lakshmi scheme combines financial assistance with educational incentives to encourage families to support the health, education and development of their daughters. Key objectives of the Ladli Laxmi Yojana are:

  • Improving the child sex ratio: Encourages a positive attitude towards the birth of girls and seeks to address gender discrimination.
  • Promoting girls' education: Provides financial assistance at specified school admission milestones to encourage continued education and reduce dropouts.
  • Discouraging child marriage: Makes the final payment subject to conditions that include the beneficiary completing the prescribed minimum marriage age before marrying.
  • Supporting higher education: Offers an incentive to eligible beneficiaries entering graduate or professional courses after Class 12.
  • Strengthening financial security: Provides milestone-based assistance and a final payment intended to support the beneficiary's future education and financial independence.

What are the Benefits Under Ladli Laxmi Yojana?

Ladli Laxmi Yojana provides financial benefits at different stages rather than paying the full amount when a girl child is registered. The payments depend on her education, age and the scheme's eligibility conditions.

Stage Milestone Financial Benefit Conditions or Payment Details
Initial funding Following registration ₹6,000 per year for five years; ₹30,000 in total The government deposits the amount into the Ladli Laxmi Yojana Fund for the registered beneficiary. This is not an annual cash payment to the family.
Stage 1 Admission to Class 6 ₹2,000 Payable on meeting the scheme's eligibility and school admission requirements.
Stage 2 Admission to Class 9 ₹4,000 Payable on meeting the scheme's eligibility and school admission requirements.
Stage 3 Admission to Class 11 ₹6,000 Payable on meeting the scheme's eligibility and school admission requirements.
Stage 4 Admission to Class 12 ₹6,000 Payable on meeting the scheme's eligibility and school admission requirements.
Stage 5 Eligible graduate or professional course after Class 12 ₹25,000 Paid in two equal instalments during the first and final years of an eligible course lasting at least two years.
Stage 6 Completion of age 21 ₹1,00,000 Subject to the applicable conditions, including appearing in the Class 12 examination and complying with the minimum legal marriage-age requirement.

What is the Eligibility Criteria for Ladli Laxmi Yojana?

To be eligible for the Ladli Laxmi Yojana, the girl child must fulfill the scheme's birth, residency and family-related conditions. The parents must also complete the required registration and meet the applicable family-planning rules.

  1. Who Can Apply for Ladli Laxmi Yojana?

    A Girl child and her family who meet the following criteria can apply for the Ladli Laxmi Yojana.

    • Date of birth: The girl child must have been born on or after 1 January 2006.
    • Madhya Pradesh residency: The parents must be residents of Madhya Pradesh.
    • Income tax: The parents must not pay income tax.
    • Anganwadi registration: The girl child must be registered at an Anganwadi centre.
    • Number of children: The family must have no more than two children, subject to the scheme's exceptions.
  2. Are There Any Special Eligibility Exceptions for the Ladli Laxmi Yojana?

    Ladli Laxmi Yojana includes special provisions for certain situations, such as the death of a parent, multiple births, adoption and other exceptional circumstances. The following rules explain who may qualify and when an application must be submitted.

    • Death of a parent: If a family has no more than two children and either the mother or father dies, the girl child can be registered under the scheme until she turns five. However, if the surviving parent remarries and already has two children, a daughter born from the second marriage is not eligible.
    • Three girls born in one delivery: If three girls are born during the first delivery, all three are eligible for the scheme.
    • Girls born to women in prison: Eligible girl children born to women inmates inside a prison are covered under the scheme.
    • Girls born to rape survivors: A girl child born to a rape survivor, whether the mother is a minor or an adult, is eligible for the scheme benefits.
    • Medical reasons for not adopting family planning: If a family cannot adopt family planning due to genuine medical reasons, the District Collector may extend the application approval period from one year to two years.
    • Delayed applications: The District Collector reviews applications submitted after the usual deadline and decides whether to approve or reject them as special cases.
    • Girls living in orphanages or care homes: The superintendent of the institution must submit the application within one year of the girl's admission and before she turns five.
    • Adopted girls: Adoptive parents must apply for the scheme within one year of the adoption.

When Can a Beneficiary Lose Eligibility for Ladli Laxmi Yojana Benefits?

The beneficiaries of Ladli Laxmi Yojana may lose eligibility because of the following reasons:

  • Marriage before the legal minimum age: The final payment is subject to the condition that the beneficiary does not marry before reaching the legal minimum age for marriage.
  • Not appearing for the Class 12 examination: The beneficiary must appear for the Class 12 examination to qualify for the final payment at age 21.
  • Failure to meet eligibility requirements: An application may be rejected if the family does not meet the applicable eligibility conditions or provide the required documents and verification.

What Documents Are Required for Ladli Laxmi Yojana?

Keep the following documents ready before applying for Ladli Laxmi Yojana. The authorities may check these documents to verify the girl's details and her family's eligibility.

  • Samagra ID: Keep the girl's individual Samagra ID and the family's Samagra ID available for identification and verification, where required.
  • Birth certificate: Provide the girl's birth certificate as proof of her date of birth.
  • Madhya Pradesh residence proof: Keep an accepted residence document, such as a parent's voter ID or the family's ration card, ready.
  • Photograph: Keep a photograph of the girl child with her mother or father.
  • Vaccination card: Provide the girl's vaccination or immunisation card.
  • Family-planning certificate: Keep this document ready if it applies to your family's circumstances.

How to Apply for Ladli Laxmi Yojana?

Eligible families can apply for Ladli Laxmi Yojana online or seek assistance through the designated local centres.

  1. Ladli Laxmi Yojana Online Application Process

    Follow these steps to apply for the Ladli Laxmi Yojana online.

    1. Visit the official (https://ladlilaxmi.mp.gov.in/) Ladli Laxmi Yojana portal.
    2. Look for the online application or registration option.
    3. Enter the required details about the girl child and her parents.
    4. Provide the requested identification, birth and residence details.
    5. Submit the application and save the acknowledgement or application reference number, if provided.
  2. Ladli Laxmi Yojana Offline Application Process

    If you need help with the Ladli Laxmi application, you can approach one of the designated service points.

    1. Visit your local Anganwadi centre or a Lok Seva Kendra. You may also seek assistance through an internet service provider.
    2. Ask for help with registering the girl child under Ladli Laxmi Yojana.
    3. Provide the required information and supporting documents.
    4. Complete the application process and keep the acknowledgement or registration details for future reference.

What is the Assurance Certificate Under Ladli Laxmi Yojana?

After the girl's registration is approved, the Ladli Laxmi scheme provides an assurance certificate. The ₹1,43,000 assurance certificate issued under Ladli Laxmi Yojana represents the total stated value of the scheme's benefits for an eligible girl child. These benefits are released at different educational and age-related milestones rather than as a single payment at registration.

This Ladli Laxmi Yojana assurance certificate includes:

  • Educational scholarships: ₹18,000 in total, comprising ₹2,000 on admission to Class 6, ₹4,000 on admission to Class 9, ₹6,000 on admission to Class 11 and ₹6,000 on admission to Class 12.
  • Higher education incentive: ₹25,000 for eligible beneficiaries who enrol in a graduate or professional course lasting at least two years after Class 12. The amount is paid in two equal instalments during the first and final years of the course.
  • Final payment at age 21: ₹1,00,000, subject to the scheme's applicable conditions, including appearing for the Class 12 examination and complying with the minimum legal marriage-age requirement where applicable.

How to Download the Ladli Laxmi Yojana Assurance Certificate?

Follow these steps to download the Ladli Laxmi Yojana assurance certificate:

  1. Visit the official website: Open the Ladli Laxmi Yojana portal.
  2. Find the certificate option: Look for the option to view or search for the Ladli Laxmi Yojana certificate.
  3. Enter the registration details: Provide the girl's registration number or other details requested on the portal. Depending on the search option available, you may be asked for her Samagra ID or other identifying information.
  4. Complete the verification: Enter the displayed verification code, if requested, and submit the details.
  5. Download and save the document: If the certificate is available, use the download or print option to save a copy for your records.

Plan Your Daughter's Financial Future with PensionBazaar

While the Ladli Laxmi Yojana provides financial support at key stages of a girl's life, planning for her long-term needs can help secure her future. Parents can explore other savings and investment options, such as the Sukanya Samriddhi Yojana for their daughter's future savings or NPS Vatsalya, to start planning for her long-term financial needs. Explore these options on Pension Bazaar to understand their features and choose a suitable way to save for your daughter's higher education and future goals.

Key Takeaway

The Ladli Laxmi Yojana is an important initiative by the Government of Madhya Pradesh to support girls' education and financial security. The scheme provides financial assistance at different stages of education, helping families manage expenses and encouraging girls to continue their studies. Ladli Laxmi 2.0 also offers financial support for higher education and benefits at important life stages, subject to the scheme's conditions. Parents in Madhya Pradesh should check the eligibility criteria and register their daughters through a local Anganwadi centre or the official portal within the prescribed time.

FAQs on Ladli Laxmi Yojana

No, registering a girl child under the Ladli Laxmi Yojana is completely free of charge. Families can apply online through the official state portal or visit their local Anganwadi centre or Lok Seva Kendra without paying any application or processing fees to government authorities.

While the original scheme focused primarily on school admission milestones and a final payout at age 21, Ladli Laxmi 2.0 introduces an additional financial incentive of 25,000 rupees for higher education. This amount is paid in two instalments to girls entering graduate or professional courses after Class 12.

No, families where either parent is an income tax payer are not eligible for the Ladli Laxmi Yojana. The scheme is specifically designed to provide financial security and educational support to non-taxpaying families residing permanently within the state of Madhya Pradesh.

No, the initial amount of 30,000 rupees is not paid as cash to the family. The Government of Madhya Pradesh deposits 6,000 rupees annually for five consecutive years into the dedicated Ladli Laxmi Fund, which funds the future educational milestone payouts for the registered girl.

To remain eligible for the final payment of 1 lakh rupees upon reaching 21 years of age, the beneficiary must sit for her Class 12 examination. Failing to appear for the Class 12 exam leads to disqualification from receiving the final maturity payment under scheme rules.

Yes, twin girls are fully eligible for the scheme. If twin daughters are born in the second delivery, both girl children can be registered under Ladli Laxmi Yojana, provided the family completes the necessary registration formalities and complies with all other standard eligibility conditions.

Generally, families with more than two children cannot apply. However, exceptions exist if three girls are born in the first delivery, or if a third child is born before the second delivery adopted family planning rules. In such special cases, eligible girl children can still receive scheme benefits.

The 25,000 rupees higher education assistance is disbursed in two equal instalments of 12,500 rupees each. The first instalment is credited during the first year of an eligible undergraduate or professional degree, while the second instalment is released during the final year of the course.

Normally, parents should register their daughter shortly after birth. In special circumstances, such as the death of a parent or institutional care in an orphanage, applications can be accepted until the girl child turns five years old, subject to approval from the District Collector.

Yes, adopted girl children can receive benefits under the scheme. Adoptive parents living in Madhya Pradesh must complete the registration process within one year of the official adoption, provided the child meets the standard age and family criteria specified under the scheme guidelines.

Applicants can track their application status by logging into the official Ladli Laxmi portal. By selecting the application tracking option and entering the girl's Samagra ID or the application reference number, users can instantly view the current verification stage and certificate approval status.

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