Bhagya Lakshmi Scheme (Karnataka)
Department of Women and Child Development, Government of Karnataka · Karnataka
| Scheme Name | Bhagya Lakshmi Scheme (Karnataka) |
| Provided By | Department of Women and Child Development, Government of Karnataka |
| Eligibility Summary | School, Class 1 to 10, UG · Girls / women only · Karnataka residents · Family income up to ₹1.5 Lakh/year |
About the Program
A financial and educational empowerment scheme by Karnataka Govt for BPL families, providing ₹1 Lakh maturity amount for girl children at age 18.
Benefits & Financial Support
₹1.0 Lakh+
The Bhagya Lakshmi Scheme offers several financial benefits. An annual scholarship of Rs. 300 to Rs. 1,000 is provided to the girl child from Class 1 to Class 10. Additionally, a health insurance cover of up to Rs. 25,000 per year is included. Upon the girl child attaining 18 years of age and fulfilling all scheme conditions, a maturity benefit ranging from approximately Rs. 1 lakh to Rs. 1.5 lakh is provided. Specific maturity amounts mentioned are ₹1,27,000 for the first daughter and ₹1,00,052 for the second daughter. Since 2020-21, the scheme is implemented by depositing Rs. 3,000 per annum for 15 years into a Sukanya Samriddhi Account of the Postal Department in the name of the girl child. Previously, these investments were made through LIC bonds. In case of accidental death of the girl child, parents receive Rs. 1 lakh, and for natural death, Rs. 42,500. Benefits are typically credited directly to the beneficiary's or parent's bank account linked with their details.
Long-term financial security through a ₹1 Lakh maturity bond, annual educational scholarships, and health insurance coverage.
Note: Limited to maximum of two girls per family. Must belong to BPL category.
Eligibility Criteria & Income Limit
| Education Level | School, Class 1 to 10, UG |
| Course / Stream | Relevant courses |
| Income Limit | Up to ₹1.5 Lakh/year |
| Category / Caste | General, OBC, SC, ST, EWS |
| Domicile State | Karnataka |
Mandatory Documents Checklist
- ✓Birth Certificate of girl child
- ✓BPL Ration Card of family
- ✓Income Certificate of parents
- ✓Aadhaar Card of parents and child
- ✓Immunization proof from health department
Selection Process
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Eligibility for the Bhagya Lakshmi Scheme requires the girl child to be born in a Below Poverty Line (BPL) family in Karnataka after March 31, 2006
- —
The birth of the girl child must be registered within one year from the date of birth
- —
The scheme is limited to a maximum of two girl children per BPL family
- —
The girl should not be engaged in child labor and must have received immunizations as per the government schedule
- —
To be eligible for the maturity amount, the girl must complete at least Class 8
- —
Additionally, the mother's age should be between 18-45 at the time of the daughter's birth
- —
For the second child, parents should also submit a Family Planning certificate.
Renewal Policy
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To ensure continued benefits and eligibility for the maturity amount under the Bhagya Lakshmi Scheme, the girl child must not be married before completing 18 years of age
- —
It is compulsory for the beneficiary to complete at least the 8th standard education
- —
The girl should also be enrolled in a government-recognized school and attend pre-school education up to 6 years
- —
Continued fulfillment of all other initial eligibility criteria, such as not being engaged in child labor and receiving proper immunizations, is also required.
How to Apply Online
Applications are submitted online via Offline via Anganwadi. Complete eKYC, upload scanned documents, and submit before the closing date.
- 1Obtain Application Form
Visit the official website of the Department of Women and Child Development, Karnataka (dwcd.karnataka.gov.in), and look for the 'Bhagya Laxmi Yojana Application form' link to download the PDF. Alternatively, you can obtain the application form physically from your nearest Anganwadi centre or Gram Panchayat office.
- 2Fill the Form
Carefully fill in all required personal, family, and income details on the application form. Ensure all information is accurate to avoid rejection.
- 3Attach Documents
Gather and attach all mandatory documents. These typically include: the filled application form, a certified copy of the girl child's birth certificate, income proof of the parents, address proof of the parents, BPL Card, bank details of the girl child, and a photograph of the child with parents. For the second girl child, a Family Planning certificate is also required.
- 4Submit Application
Submit the completed application form along with all the attached documents to your closest Anganwadi centre, Gram Panchayat office, or Child Development Project Officer (CDPO) office.
- 5Verification and Bond Issuance
The submitted application will undergo review by the Anganwadi worker and CDPO. Upon approval, a Bhagyalakshmi bond certificate will be issued in the name of the girl child.
- 6Track Status
After submission, you may be able to track the verification stages by returning to the official portal (dwcd.karnataka.gov.in) with your acknowledgement ID, if an online tracking facility is available.
- 7Claiming Maturity Amount
When the girl turns 18, to claim the maturity amount, you will need to produce the original Bhagyalakshmi bond, Aadhaar Card, Class 8 certificate (or SSLC Marks Card), BPL card, and bank passbook. Contact your nearest Anganwadi worker or CDPO office for processing the claim.
Common Questions (FAQs)
Who is eligible for the Bhagya Lakshmi Scheme?
The Bhagya Lakshmi Scheme is for girl children born into Below Poverty Line (BPL) families in Karnataka after March 31, 2006. The birth must be registered within one year, and the scheme applies to a maximum of two girl children per family. The girl must not be involved in child labor and must have received all government-scheduled immunizations.
What are the financial benefits provided by the Bhagya Lakshmi Scheme?
The scheme offers an annual scholarship of Rs. 300 to Rs. 1,000 for girls from Class 1 to Class 10, and health insurance coverage up to Rs. 25,000 per year. Upon turning 18 and meeting conditions, a maturity benefit of approximately Rs. 1 lakh to Rs. 1.5 lakh is provided. Parents also receive death benefits for the girl child (Rs. 1 lakh for accidental death, Rs. 42,500 for natural death). Since 2020-21, the government deposits Rs. 3,000 annually into a Sukanya Samriddhi Account for 15 years.
How can I claim the maturity amount under the Bhagya Lakshmi Scheme?
To claim the maturity amount, the girl must have completed 18 years of age, remained unmarried, and completed at least her 8th standard education. Required documents typically include the original Bhagyalakshmi bond, Aadhaar Card, Class 8 certificate (or SSLC Marks Card), BPL card, and the beneficiary's bank passbook. You should contact your nearest Anganwadi worker or CDPO office for assistance with the claim processing.
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IndiaScholarships.in attempts to provide accurate information manually curated from official sources. Scholarship details, timelines, and eligibility can change without notice as per the provider's discretion. Applying for a scholarship does not guarantee selection. Always verify all information on the official Department of Women and Child Development, Government of Karnataka website before final submission.