Bhagya Laxmi Scheme: A Step Towards Financial Security and Education for Daughters
Empowering Daughters Through Financial Independence
The Bhagya Laxmi Scheme is one of the most impactful welfare initiatives launched by the Uttar Pradesh Government to uplift the lives of girls born into economically weaker families. Designed especially for families living below the poverty line (BPL), the scheme provides financial assistance right from a girl’s birth to support her growth, education, and long-term security.
Under this initiative, the state government issues a bond worth ₹50,000 in the name of the newborn girl. By the time she turns 21 years old, this bond matures into ₹2 lakh, ensuring a stable financial foundation for her future. In addition, the girl’s mother receives an immediate cash assistance of ₹5,100, which helps manage post-birth expenses and encourages the family to celebrate the birth of their daughter rather than see it as a financial burden.
Aims and Objectives of the Scheme
The Bhagya Laxmi Scheme is a progressive social welfare program aimed at curbing female foeticide, reducing gender-based financial inequality, and encouraging the education of the girl child. By offering monetary benefits linked to the child’s education and adulthood, the government seeks to empower girls from the ground up.
This initiative also aligns with the ‘Beti Bachao, Beti Padhao’ campaign, ensuring that every girl child receives both financial protection and educational opportunities irrespective of her family’s economic background.
Eligibility Criteria
To avail of the benefits under the Bhagya Laxmi Scheme, the applicant must meet the following conditions:
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The family must be a resident of Uttar Pradesh and fall below the poverty line (BPL).
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The scheme is applicable for a maximum of two daughters per family.
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The girl child must be registered under the state’s welfare system soon after birth to qualify for the bond and related benefits.
Financial Assistance at Different Stages of Education
The Uttar Pradesh government understands that education is the foundation of empowerment. Hence, the Bhagya Laxmi Scheme provides step-wise financial assistance to support a girl’s schooling. The assistance is released at key milestones in her academic journey:
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On admission to Class 6: ₹3,000
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On admission to Class 8: ₹5,000
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On admission to Class 10: ₹7,000
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On admission to Class 12: ₹8,000
In total, the girl child receives ₹23,000 to cover education-related expenses, helping reduce the financial pressure on families and ensuring uninterrupted schooling.
Additional Benefits for Mothers
Apart from the bond, the scheme also supports mothers financially. After childbirth, ₹5,100 is transferred to the mother’s account as an initial aid. This monetary help plays a crucial role in covering healthcare, nutrition, and other postnatal needs, promoting maternal and child well-being.
How to Apply for the Bhagya Laxmi Scheme
Eligible families can apply for the scheme through the official Uttar Pradesh government website: https://mahilakalyan.up.nic.in/.
Here’s how the process works:
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Visit the website and download the Bhagya Laxmi application form.
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Fill out the required details carefully and attach necessary documents such as:
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Aadhaar cards of parents and the girl child
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Birth certificate of the girl child
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Passport-size photographs
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Submit the completed form at the Women and Child Development Office or the nearest Anganwadi center.
Once verified, eligible beneficiaries receive the bond and financial aid as per the scheme’s terms.
Impact and Social Significance
The Bhagya Laxmi Scheme has emerged as a beacon of hope for thousands of families across Uttar Pradesh. Beyond financial support, it promotes gender equality, education, and women empowerment. The long-term bond ensures that every girl grows with a sense of security, while educational incentives help her pursue her dreams without economic constraints.
By reducing the financial burden associated with raising daughters, the scheme is gradually changing deep-rooted social attitudes and encouraging families to value and celebrate the birth of a girl child.
Conclusion
The Bhagya Laxmi Scheme is not just a financial plan—it’s a transformative step toward building a more equitable and educated society. With its comprehensive structure offering both economic security and educational empowerment, the Uttar Pradesh government has set a strong example of inclusive growth.
For families struggling to make ends meet, this initiative ensures that every daughter has a bright, secure, and dignified future ahead.
