The Ladli Beti Scheme JK 2025 is a financial assistance and investment initiative launched by the Jammu and Kashmir Government to ensure financial security for girl children from economically weaker families. This scheme aims to provide long-term savings and encourage the education and empowerment of girls. The scheme is targeted specifically at families whose annual income does not exceed Rs. 75,000. It is available to girl children born on or after April 1, 2015, and who are residents of selected districts in Jammu and Kashmir. A unique feature of the scheme is that the first phase consists of monthly contributions of Rs. 1,000 by the J&K Government for a period of 14 years.
The Ladli Beti Scheme is structured as a two-phase hybrid deposit plan. In the first phase, which is a recurring deposit account, the government deposits Rs. 1,000 per month into the beneficiary’s account for 14 years. One month after the final installment is made, the account transitions into the second phase, which is a Cumulative Term Deposit (CCR) that continues for an additional 7 years. The maturity benefit from both phases is released once the girl reaches the age of 21 or after 85 months from the last installment—whichever is later—by directly crediting the amount into her savings bank account.
To apply for the scheme, applicants must visit the official Service Plus Portal. The process involves logging in or creating a new user account through the MeriPehchaan service. Once registered, users can navigate to the “Apply for Services” section and search for the application related to financial assistance under the Ladli Beti Scheme. Applicants must upload required documents such as proof of income, birth certificate of the girl child, domicile, Aadhaar cards of the parents/guardians and the child, identity and address proofs, and a copy of the first page of a bank passbook. After submission, applicants should download the acknowledgment receipt to track the application status.
The scheme has no application fee, making it accessible to all eligible citizens. The primary objective is to promote financial independence and social upliftment of the girl child. The scheme is particularly important in addressing gender disparities and supporting female education and well-being. For further support or queries, citizens can reach out to the Panchayat Informatics Division under the Ministry of Electronics & Information Technology. The initiative represents a proactive step by the J&K Government toward building a more inclusive and secure future for girls in the region.
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About Ladli Beti Scheme JK
The Ladli Beti scheme is created by the Jammu and Kashmir Government to provide an investment plan to girl children in the state. This is an investment plan created to provide financial assistance in the long run to all the beneficiaries. The investment plan is available for people who have an annual income of less than 75000 INR. The scheme is divided into two parts and the first part will be matured after 14 years.
- In the first phase of the scheme, the installments will be given directly by the Jammu and Kashmir Government and then the scheme will be promoted to the second phase. A monthly contribution of 1000 rupees will be made by the J and K government in the first phase.
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Helpful Summary of Ladli Beti Scheme JK
Eligibility Criteria
- The applicant must be a girl.
- The girl child must be born on or after 01/04/2015 whose applications are complete in all respects accompanied by a sanction letter from the Child Development Project Officer (CDPO) of the selected domiciliary district (Srinagar, Anantnag, Budgam, Jammu, Kathua, Pulwama, Samba, Kishtwar).
- The annual income of the beneficiary from all sources must be less than rupees 75000.
Phase Wise Contribution and Tenure
- The Ladli Beti scheme is divided into two phases and can be considered as a hybrid deposit plan.
- Phase 1 consists of a recurring deposit for 14 years with the date of completion as one month after the last installment received in the account.
- Phase 2 is A Cumulative Term Deposit (CCR) for 07 years.
- In Phase 1, a monthly contribution of 1000 rupees is to be made by the Jammu and Kashmir Government.
Required Documents
- Address Proof
- Identity Proof of father/mother/guardian(as the case may be)
- Birth Certificate of Girl Child
- First Page of Bank Passbook
- Domicile of father/mother/guardian (as the case may be)
- Aadhaar Card of Girl Child
- Aadhaar Card of Father/Mother/Guardian(as the case may be)
- Income Certificate (<Rs.75000/- per annum)
Maturity Period of Ladli Beti Scheme JK
- The Maturity Period of the first phase of the scheme is 14 years.
- After the maturity of Phase I (recurring deposit account), the account will graduate to Phase II (Cumulative Term Deposit account).
- Maturity benefits under the scheme will be paid to the beneficiary on completion of 21 years of age or 21 years after the first installment or 85 months after the last installment whichever is later by crediting the saving bank account of the girl child.
Ladli Beti Scheme JK Apply Online 2025
Step 1: To apply for the Ladli Beti scheme, beneficiaries must first visit the official Service Plus portal by clicking on the link given here
Step 2: On the homepage, click on the LOGIN option present on the menu bar and a new page will open on the screen.
Step 3: For people who already have registered on the portal, they must log in using their credentials but if you have not registered then you must click on New User. Sign up for MeriPehchaan
Step 4: Register yourself by entering basic information such as your mobile number, and email address, and creating a password.
Step 5: After making your account successfully, click on Skip to Dashboard.
Step 6: Now, click on “Apply for Services” appearing on the left side of the screen and search for ‘Application for obtaining financial assistance under Ladli Beti Scheme’.
Step 7: Upload all of the documents. Make sure to upload the original copies of the documents.
Step 8: Now you can click on the “Submit” button.
Step 9: Download the ACKNOWLEDGEMENT for record and reference to track the status of the application at various levels.
Step 10: People can also provide her/his feedback through a Rapid Assessment System (RAS).
Contact Details
- Panchayat Informatics Division
- National Informatics Centre
- Ministry of Electronics & Information Technology, Government of India
- A Block, CGO Complex, Lodhi Road, New Delhi-110 003.
- serviceplus[at]googlegroups[dot]com
FAQs
What is the maturity date for the Ladli Beti Scheme JK 2025?
The maturity date for the Ladli Beti Scheme JK 2025 will be 21 years from the first installment. The scheme is divided into two parts which will mature separately.
How can I apply for the Ladli Beti Scheme JK 2025?
Beneficiaries can register for the Ladli Beti Scheme JK 2025 by visiting the official website of the service portal and submitting the application after registering themselves.
Are there any application fees to apply for the Ladli Beti Scheme JK 2025?
There are no application fees required by the people to apply for the Ladli Beti Scheme JK 2025. This is an investment plan that will be supported by the Jammu and Kashmir Government for the first 14 years.
What is the eligibility of the Ladli Beti Scheme JK 2025?
Ladli Beti Scheme JK 2025 is only open for female beneficiaries and the annual income of the beneficiary must be less than 75000. They must be a permanent resident of Jammu and Kashmir.
