Here is your SEO‑friendly article on Bhagyalakshmi Scheme Karnataka, structured per your instructions, with relevant LSI keywords like girl child welfare, BPL families, maturity amount, financial aid, scholarship, etc. All data is verified with official and recent sources (2025). (Govt Schemes India)
1. Introduction to the Scheme
Brief overview (≈ 200 words)
The Bhagyalakshmi Scheme Karnataka is a state‑government welfare programme started in 2006 by the Women and Child Development Department. It aims to provide financial aid and promote the birth of girl children in Below Poverty Line (BPL) families across Karnataka. Families receive a fixed deposit in the girl’s name, which matures when she reaches 18 years, provided she meets specified conditions.(Govt Schemes India)
The government launched the scheme to improve the sex ratio, discourage female foeticide, child marriage, and child labour, and uplift the social status of girl children in poorer communities. It encourages families to invest in their daughters’ education, health, and future stability.(Policybazaar)
Target audience
The scheme targets economically vulnerable households: BPL families with up to two girl children born after March 31, 2006. It applies to girls who remain unmarried until 18 and complete at least 8th standard. Guardians (parents or legal caregivers) act as applicants and custodians of the maturity amount.(Govt Schemes India)
2. Key Highlights of the Scheme
Summary of important details (two paragraphs)
Launched in 2006, the Bhagyalakshmi Scheme is implemented by the Karnataka Women and Child Development Department. Under the scheme, the government deposits approximately ₹19,300 for the first girl and ₹18,350 for the second girl into a fixed deposit (typically with LIC) at birth. When the beneficiary turns 18, she receives a maturity amount of about ₹1,00,097 (first child) or ₹1,00,052 (second child). Initially the scheme included scholarships and health insurance support, though these were phased out for girls born after August 1, 2008.(Govt Schemes India)
As of 2025, the scheme continues under the name Bhagyalakshmi (also called Sukanaya Samruddhi), with maturity amounts confirmed as above. BPL daughters who meet immunization norms, schooling up to class 8, and remain unmarried until 18 can claim the benefit. Insurance coverage and scholarships have mostly ended, but death or disability compensation still applies in certain cases.(The Times of India)
Scheme Overview Table
| Feature | Details |
|---|---|
| Scheme Name | Karnataka Bhagyalakshmi Scheme |
| Launch Year | 2006 |
| Implementing Department | Women & Child Development, Karnataka |
| Eligible Beneficiaries | BPL families with up to two girl children (born after 31 Mar 2006) |
| First Girl: Deposit at birth | ₹19,300 |
| First Girl: Maturity amount | ₹1,00,097 at age 18 |
| Second Girl: Deposit at birth | ₹18,350 |
| Second Girl: Maturity amount | ₹1,00,052 at age 18 |
| Scholarship / Insurance | Phased out after Aug 2008 for newer births |
| Disability / Death Cover | Accident & natural death compensation available |
| Maximum Two Girls per Family | Yes |
3. Objectives of the Scheme
What problems it aims to solve & benefits
- Encourage birth and survival of girl children in BPL households
- Discourage female foeticide, early marriage, and child labour
- Provide financial security for girls upon reaching adulthood
- Support continued education and delay marriage until at least 18
- Improve gender equality and elevate girls’ status in society
- Reduce economic burden on poor families for girl upbringing
- Promote female empowerment through financial independence
- Prevent dropout rates by linking schooling to benefit eligibility
4. Eligibility Criteria
- Applicant must be resident of Karnataka
- Family must belong to Below Poverty Line (BPL) category
- Only two girl children per family eligible
- Girls must be born after 31 March 2006
- Enrollment must occur within one year of birth
- Girl must have received scheduled immunizations
- Must have studied at least up to 8th standard
- Girl must remain unmarried until age 18
- No involvement in child labour
- Forms and family planning certificate required for second child(Govt Schemes India, gadag.nic.in, LinkedIn, Policybazaar)
5. Benefits of the Scheme
- Deposit of ₹19,300 (1st girl) or ₹18,350 (2nd girl) at birth
- Maturity amount of ~₹1,00,097 (first) or ₹1,00,052 (second) at age 18, for education/marriage
- Death and disability cover: ₹75,000 for accidental death, ₹30,000 for natural death; partial disability ₹37,000 also provided(Govt Schemes India)
- Earlier versions included annual scholarships (₹300–₹1,000) till 10th standard and health insurance up to ₹25,000 per year, but now mostly discontinued for newer beneficiaries
- Benefits are delivered via fixed deposit accounts (usually through LIC) in the girl’s name, managed until maturity
6. Documents Required
- Birth certificate of the girl child
- BPL card of the family
- Income certificate of parents/guardian
- Residential address proof
- Bank account/passbook of the girl child
- Family planning certificate (especially for second child)
- Aadhaar card of parents/guardian
- Joint photograph with child and parents
- Certificate/declaration that girl is not married
- Immunization records and school certificate up to class 8
7. Application Process: How to Apply
- Visit your local Anganwadi centre or Gram Panchayat office to obtain the Bhagyalakshmi Scheme Application Form free of cost.
- Fill in details: name of applicant, girl child name, date of birth, BPL ration card number, parents’ info, bank account info, Aadhaar.
- Attach documents: birth certificate, BPL card, income certificate, address proof, immunization records, school certificate, family planning certificate (if second child), joint photo.
- Submit the form and documents at the same Anganwadi or Gram Panchayat.
- The local Women and Child Development authority (CDPO or DDCW office) verifies all information.
- Once approved, the scheme opens a fixed deposit (often LIC bond) in the name of the girl child immediately after birth registration.
- The bonafide bond/deposit certificate is issued to the guardian.
- The amount stays locked until the girl turns 18, provided she meets all conditions.
- At maturity, she can apply to LIC or designated office to claim the amount.
- Ensure you keep the bond or duplicate copies safely, as it is required at claim time.
8. Login and Application Status Check
- If online portal access is available (via dwcd.karnataka.gov.in or UMANG), visit the site and register or log in using Aadhaar or email.
- After login, navigate to the Bhagyalakshmi Scheme section.
- Enter application number or Aadhaar to view your submission status—whether verified, pending, or rejected.
- You may download a status slip or receipt as proof of application.
- On approval, you can later use the portal to download the maturity certificate once the girl turns 18.
- For any issues or correction requests, reach out to the state helpline: 080‑22355984 or email ddcw.dwcd@gmail.com. Helm also through 080‑22252329 for Women and Child Development Department.(gadag.nic.in, Govt Schemes India, yuvakanaja.in)
9. Important Dates and Deadlines
| Activity | Timeline / Deadline |
|---|---|
| Birth registration & scheme application | Within 1 year of girl’s birth |
| Schemes launched | Started in 2006 |
| Birth eligibility cutoff | After 31 March 2006 |
| Maturity claim | When girl turns 18, if all conditions met |
| Last date to submit documents | Along with initial application within 1 year |
| Application correction window | During initial verification phase |
10. FAQs – Frequently Asked Questions
- Can families with more than two girls apply?
No. Only a maximum of two girl children per BPL family are eligible. - Is there any age limit to apply?
Yes. Applicants must enroll the girl within one year of birth. - What if the girl marries before age 18?
She becomes ineligible for maturity amount. - Are scholarships still given?
Scholarships were phased out for girls born after August 2008; current scheme focuses on maturity payment only. - Is health insurance still available under the scheme?
Earlier it was, but mostly not offered now; only death/disability cover remains. - Can I claim early or withdraw deposit prematurely?
No, funds are locked until age 18 if eligibility criteria are met. - What if documents are lost or misplaced?
Report to local CDPO or Panchayat office to get a duplicate bond or registration copy. - Where do I claim the maturity amount?
At LIC or designated Women and Child Development office once the girl turns 18. - What if the beneficiary fails to complete class 8?
She becomes ineligible to receive maturity benefits. - Is the scheme available outside Karnataka?
No. It’s limited to resident BPL families in Karnataka only.
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