What this scheme offers
The Ladli Beti Scheme, started on 1 April 2015, is a savings scheme for girls in low-income Jammu and Kashmir families. For every eligible girl born on or after that date, the government puts ₹1,000 a month into an account at J&K Bank until she is 14 — ₹1.68 lakh in all — and the balance then continues as a term deposit that is expected to mature at about ₹6.5 lakh when she turns 21. The family's annual income must not exceed ₹75,000. Applications are now handled through an end-to-end online service launched in September 2022, with the Deputy Commissioner deciding within about ten days. The government told the Assembly in September 2026 that ₹112.86 crore of Ladli Beti payments for April to August 2026, covering 2,25,720 beneficiaries, were pending, and gave no date for clearing them.
Who is eligible
- A girl child born on or after 1 April 2015, with parents resident in Jammu and Kashmir.
- Annual family income from all sources not above ₹75,000.
- The money goes into the girl's own account, held at J&K Bank.
- Parents cannot add their own deposits during the first phase.
Documents required
- Birth certificate of the girl child
- Income certificate showing family income below ₹75,000 a year
- Aadhaar cards of the parents and the child
- Proof of J&K residence
- Bank account details and photograph
How to apply
- Open the J&K e-services portal and choose 'Application for Ladli Beti Scheme', or apply through the Jansugam service.
- Fill in the girl's and parents' details and upload the documents.
- The Deputy Commissioner decides on the application, normally within about ten days.
- Approved cases go to the Social Welfare Department's finance wing for payment into the girl's account.
- If the monthly credit is late, raise it with the District Social Welfare Officer — there is a reported backlog for 2026.