J&K Ladli Beti Scheme: How to Apply Online, Eligibility & Status Check

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J&K Ladli Beti Scheme:- The J&K Ladli Beti Scheme is a government-sponsored social assistance initiative designed for female children born in the Union Territories of Jammu and Kashmir and Ladakh after April 1, 2015. The primary objective of the scheme is to address the issue of gender imbalance by encouraging the birth of female children. It also aims to ensure that these girls do not become a financial burden on their families or guardians when they reach marriageable age. In this article, we will provide a detailed overview of the scheme and the eligibility criteria for applying.

J&K Ladli Beti Scheme 2024

The Ladli Beti Yojana in Jammu and Kashmir was officially launched by the BJP-led Chief Minister, Mehbooba Mufti. Dr. Arun Kumar Mehta inaugurated a fully digitized e-service platform for the scheme, developed by the National Informatics Center. This platform serves as a one-stop solution, allowing applicants to submit their applications, verify their details, and track the progress of their applications.

Through this online system, registered applications and communication letters are forwarded to the banks electronically. The platform facilitates a seamless process where applicants can apply, monitor their application status, and receive approvals. Digital signatures are applied to the approval letters, which are then transmitted electronically to the respective banks for further processing.

Under this initiative, girls born on or after April 1, 2015, whose parents' or guardians' annual income does not exceed Rs 75,000, are eligible for the scheme. Upon turning 21, the eligible female child will receive a sum of approximately Rs 6.50 lakh. Additionally, the beneficiaries will receive Rs 1000 every month in their bank accounts through Direct Benefit Transfer (DBT) until they turn 14 years old.

The Child Development Protection Officers have the authority to either reject or return the application if there are deficiencies, or they may forward it to the District Programme Officer (DPO) for approval within 15 days. Similarly, the District Programme Officer can dismiss or return the application in case of deficiencies or send it to the Deputy Commissioner for final approval within 10 days.

The Deputy Commissioner, after documenting the reasons, has the authority to either approve or reject the application within 20 days and subsequently forward it to the concerned authorities for the disbursement of financial assistance. Over the past three years, nearly 1 lakh girls have benefited from the Ladli Beti Scheme.

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J&K Ladli Beti Scheme Details in Highlights 

J&K Ladli Beti Scheme Objectives

The J&K Ladli Beti Scheme aims to address the declining sex ratio in the region by promoting the welfare of the girl child. Its primary objective is to curb the trend of decreasing female-to-male population ratios. Additionally, the scheme ensures that the girl child does not become a financial burden on her family after marriage, by providing her with financial security. This is achieved through dedicated financial support for her well-being and future.

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Benefits and Features of J&K Ladli Beti Scheme

• Recurring Deposit Account: The natural or legal guardian of the girl must open a recurring deposit account to start the process.
• Government Contribution: The J&K Government will contribute Rs. 1,000 per month for 14 years from the birth of the female child or the opening of the account. In total, the government will provide Rs. 168,000 over the 14 years.
• Phase I and Phase II: In Phase I, the J&K Government contributes Rs. 1,000 per month into the recurring deposit account. Upon maturity, this account transitions into Phase II, which is a cumulative term deposit account.
• No Withdrawals or Foreclosures: Partial withdrawals or account foreclosures are not permitted at any stage of the scheme.
• Maturity Benefits: The maturity amount will be given to the beneficiary when she turns 21 years old, or 21 years after the first payment, or 85 months after the last installment, whichever occurs later. The girl child can reinvest the maturity amount in a fixed deposit scheme with any bank at its prevailing interest rates.
• No Nominations: The scheme does not allow nominations. In case of the girl child’s death, the account will be closed, and the balance amount along with interest will be reverted to the Union Territories of J&K and Ladakh. If the girl passes away before reaching 21 years, the recurring deposit/term deposit account will be closed without any prepayment charges.
• Account Non-transferable: If the female child moves to another city or town, the account cannot be transferred to another location.
• Life Certificate Requirement: Every three years, the guardian or parent must submit a life certificate of the beneficiary (female child), attested by a gazetted officer or the principal of her school/college. This certificate is also required at maturity.
• Tax Exemption: Since the scheme targets low-income families, no Tax Deducted at Source (TDS) is applied as long as the guardian/beneficiary submits Form 15G/15H annually and holds a valid PAN.

J&K Ladli Beti Scheme Eligibility 

• Age Criteria: The scheme is available only to females born on or after April 1, 2015. Girls born before this date are not eligible to open an account under the scheme.
• Area-Specific Documentation: Parents or guardians must acquire the necessary documents approved by the Child Development Project Officer (CDPO) to apply for the scheme. Specific districts such as Anantnag, Jammu, Budgam, Kathua, Samba, and Pulwama are authorized to approve these documents.
• Income Criteria: The scheme is aimed at supporting low-income families, and thus, only those parents whose annual income is less than Rs. 75,000 are eligible to participate. This makes the program particularly beneficial for backward and economically disadvantaged communities.

J&K Ladli Beti Scheme Documents

• Application Form KYC Standards which is to be filled.
• Letter of Parental/Guardian Approval from the Child Development Project Officer
• Duly filled and signed Application Form
• Sanction Letter from CDPO (Child Development Project Officer)
• Identity Proof of the Parents or the Legal Guardians of the girl child (Aadhaar Card, Passport, Voter Id Card, Driving License, etc.)
• Address Proof of the Parents or the Legal Guardian of the girl child (Aadhaar Card, Voter Card, Utility Bills, PAN Card, etc.)
  
• Domicile Certificate of the Parent/Guardian.
  
• Birth Certificate of the Girl Child
  
• Aadhaar Number of the Girl Child
  
• Aadhaar Number of the Parent/Guardian.
  
• Recent Passport Size Photographs of the Girl Child
  
• Bank Account Details (the copy of the first page of the passbook of the bank account)
  
• Income Certificate of the Parent/Guardian (less than or equal to ₹ 75000/- per annum).
  

J&K Ladli Beti Scheme Application Form Download 

• Visit the Official Website: Start by visiting the official website at www.jk.gov.in/jammukashmir.

• Locate the Scheme Link: On the homepage, navigate to the "Go Live Services" section and click on the “Click Here to Apply for Ladli Beti Scheme” link.
• Access the eServices Portal: This will redirect you to the home login URL for the J&K eServices site.
• Register as a Citizen: Click on the link for "Citizen Registration" to begin the process.
• Complete the Application: Visit any nearby Common Service Centre (CSC), log in with your CSC ID, and fill out the J&K Ladli Beti Scheme application form for 2024 online.

Make sure to follow the necessary steps for registration and form submission through the CSC to complete your application process.

J&K Ladli Beti Scheme Apply Online - Online Application Process

• Login to the Portal: Go to www.jansugam.jk.gov.in or www.eunnat.jk.gov.in after registering on the Service Plus Portal. Create your login credentials for access.
• Apply for Services: Once logged in, click on "Apply for Services" on the left side of the screen. Then search for "Application for obtaining financial assistance under Ladli Beti Scheme."
• Upload Required Documents: Upload all the mandatory documents as per the instructions.
• Submit Application: After uploading the documents, click 'SUBMIT' to complete your application process.
• Download Acknowledgement: Once submitted, download the acknowledgment for your records. You can track the status of your application at different stages. Feedback can also be provided through the Rapid Assessment System (RAS).
• CDPO Review: The Child Development Project Officer (CDPO) will review the application. If there are any deficiencies, the application may be rejected or reverted, with reasons recorded. If all is in order, the application will be forwarded to the District Programme Officer (DPO) within 15 days.
• DPO Review: The DPO will examine the application. If there are issues, it will be rejected or reverted, with recorded reasons. Otherwise, the application will be forwarded to the Deputy Commissioner within 10 days for final approval.
• Deputy Commissioner Review: The Deputy Commissioner will review the application. If there are deficiencies, the application will be rejected or reverted, with reasons recorded. If the application is approved, it will be forwarded to the Director (Finance) / FA & CAO, Social Welfare Department for the disbursement of financial assistance within 10 days.

Following these steps ensures that the application for the J&K Ladli Beti Scheme is processed smoothly.

J&K Ladli Beti Scheme Guidelines PDF Download

To download the J&K Ladli Beti Scheme Guidelines PDF, follow these steps:

• Visit the Official Website: Go to the official website www.jk.gov.in.
• Navigate to the Scheme Section: Look for the relevant section that lists various government schemes.
• Search for Ladli Beti Scheme: In the scheme section, search for the "Ladli Beti Scheme" guidelines or related PDF download link.
• Download the PDF: Once you locate the document, click on the provided download link to get the PDF version of the Ladli Beti Scheme Guidelines.

If you do not find the guidelines on the website, it might be helpful to contact the relevant department or visit a local government office for assistance.

Summary of J&K Ladli Beti Scheme

The J&K Ladli Beti Scheme is a government initiative aimed at promoting the welfare of female children born in Jammu and Kashmir and Ladakh after April 1, 2015. It provides financial assistance to low-income families, with an annual income limit of ₹75,000. Eligible girls receive ₹1,000 monthly until age 14, and ₹6.50 lakh upon turning 21. The scheme encourages gender equality, ensuring financial security for girls and addressing the region's declining female sex ratio.