Annals of Community Health (ISSN 2347-5455, eISSN 2347-5714), Peer Reviewed, Indexed Journal focusing exclusively on Community Medicine and Public Health

Bhagyalakshmi Scheme

Bhagyalakshmi scheme was launched during 2006-07 with an objective to promote the birth of girl children in below poverty line families and to raise the status of the girl child in the family in particular and society in general. Financial assistance is provided to the girl child through her mother/father or natural guardian subject to the fulfillment of certain conditions. All girl children born in BPL families after 31.3.06 are eligible to be enrolled as a beneficiary under the scheme. Enrollment is allowed upto one year of the birth of child on production of birth certificate.

  • The benefits of the scheme are restricted to 2 girl children of a BPL family. The father, mother or guardian should have undergone terminal family planning methods and the total number of children should not exceed 3.
  • After enrollment and due verification by the department, an amount of Rs. 10,000/- will be deposited with the selected financial institution in the girl child's name.
  • The financial institution will maximise the return on Rs. 10,000/- and the deposit together with the interests accrued will be made available to the beneficiary on attaining 18 years of age. An amount of Rs. 34,751/- to the first child and Rs. 40,918/- to the second child enrolled in the same family will be given.
  • Interim payments such as scholarship and insurance benefits will be made available to the beneficiary on continued fulfillment of the eligibility criteria out lined in the scheme.
  • If the girl child falls sick, medical insura nce claims upto a maximum of Rs.25,000/- is provided.
  • If a natural death of the insured person takes place, insurance of Rs.42,500/- is given.
  • If the insured person dies in an accident, insurance of Rs.1,00,000 will be given to the family.

Eligibility criteria:

The birth of the child should be compulsorily registered

  • The child should
    1. be immunized as per the programme of the Health Department
    2. be enrolled in the Anganwadi centre
    3. take admission in a school recognized by the Education Department.
    4. not to become a child labourer
    5. not to marry until the age of 18 years.
  • The scheme is implemented in collaboration with the Life Insurance Corporation of India. The scheme was partially modified during August 2008 and is applicable to all children born on or after 01/08/2008.

The modifications made to the scheme are as indicated below:

  • An amount of Rs. 19,300/- will be deposited with the financial institution in the name of the first girl beneficiary and Rs. 18,350/- in the name of the second girl beneficiary of the same family.
  • On attainment of 18 years of age, the first girl beneficiary of the family who fulfils the conditions of the scheme will get a maturity amount of Rs. 1,00,097/- and the second girl beneficiary will get Rs. 1,00,052/-.
  • The beneficiaries who are desirous to continue higher education after passing SSLC and have attained 15 years are eligible to pledge the bond and avail loan upto a maximum of Rs.50,000/- from recognized banks.
  • The scholarships and medical reimbursement benefits have been withdrawn. An expenditure of Rs. 207.32 crores has been incurred during 2009-10 as against an allocation of Rs. 354.64 crores covering 1,32,115/- girl children up to the end of 31st January 2010.


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