The Bhagyalakshmi Scheme is a flagship; this is a project of Karnataka government. This program is directed to foster the welfare and empowerment to girl children to shield her against the economically underprivileged and even against the emotional burden of the families. Scheme was Launched in 2006. this is a social welfare program seeks to address gender disparities by providing financial assistance to Below Poverty Line (BPL) families for the upbringing of their daughters.
The scheme promotes the birth of girl child, and prevents female foeticide, and educates and makes them healthy, and this leads to a better future. It tries to improve the socio-economic condition of girls by providing monetary assistance, health insurance and educational scholarships to them so that they can become self-sufficient members of the society who are respected.
The main target group is the BPL families in Karnataka having girl child born after March 31, 2006. As much as the scheme targets to support the girls, it indirectly helps the parents or guardians since it will reduce the financial pressure of raising girls. It is unlike the schemes, which are directed to farmers, the youth or the unemployed groups and Bhagyalakshmi is focusing on the needs of young girls by guaranteeing their right to education and their right to health. This project represents the government effort to achieve gender equality and empowerment of women and address such social problems as child marriage and discrimination against girls in the socially disadvantaged groups.
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Key Highlights of the Scheme
Bhagyalakshmi Scheme 2006-07 is a revolutionary scheme introduced by Karnataka Department of Women and Child Development to take care of girl children in BPL families. It grants monetary aid, health insurance, and yearly scholarships to advance education and well being. Initially partnered with the Life Insurance Corporation (LIC) from 2006 to 2019, the scheme transitioned in 2020-21 to the Sukanya Samriddhi Account Yojana with the Postal Department, where the government deposits ₹3,000 annually for 15 years into a girl’s account, maturing to approximately ₹1,27,000 after 21 years. This change will guarantee financial control and accessibility of the beneficiaries.
In 2025, the scheme again empowers girls, by providing a maturity amount of up to 1.27 Lakh that can be used towards higher education or to meet marriage expenses, subject to eligibility. It also has health insurance up to 25000 per year and 300 to 1000 scholarship on classes 1 to 10. The scheme continues to work on prohibiting child labor, child marriage, and female foeticide besides ensuring gender equality. The eligibility criteria and application procedures on a regular basis can be found on the Department of Women and Child Development and the information is transparent and can be accessed easily by the residents of Karnataka.
Overview Table of Bhagyalakshmi Scheme
| Aspect | Details |
|---|---|
| Scheme Name | Bhagyalakshmi Scheme (Bhagyalakshmi-Sukanya Samruddhi Account Yojana) |
| Launch Year | 2006-07 |
| Department | Department of Women and Child Development, Government of Karnataka |
| Target Audience | Girl children from BPL families in Karnataka |
| Financial Assistance | ₹3,000 annually for 15 years, maturing to ~₹1,27,000 after 21 years |
| Health Insurance | Up to ₹25,000 per annum until age 18 or marriage |
| Scholarships | ₹300–₹1,000 annually for classes 1–10 |
| Maturity Period | 21 years (15 years deposit + 6 years lock-in) |
| Application Mode | Online (blakshmi.kar.nic.in) or offline (Anganwadi/Child Development Office) |
| Helpline | 080-22355984, Email: ddcw.dwcd@gmail.com |
Objectives of the Scheme
- Solve Financial Problems: This scheme is Helps got BPL families who can afford raising girl children without financial stress.
- Stop Female Foeticide: it is also Encourages the birth of girls by providing monetary support about all the includings
- Promote Education: Ensures girls to study at least until class 8 with getting scholarships without hesitation
- Improve Health: Offers health insurance to cover medical needs of girls.
- Prevent Child Marriage: This scheme is actually for the girls to stay unmarried until age 18 to get benefits.
- Reduce Gender Bias: Aims to make families value girls as much as boys.
- Empower Girls: Gives girls financial security for education or marriage.
- Uplift Society: Improves the status of girls in families and communities.
- Fight Child Labor: Stops girls from working as child laborers to focus on studies.
- Support BPL Families: Provides economic relief to poor families for raising daughters.
Eligibility Criteria
- Must be a permanent resident of Karnataka.
- Family must belong to the Below Poverty Line (BPL) category.
- Girl child must be born on or after March 31, 2006.
- Maximum of two girl children per BPL family are eligible.
- Girl’s birth must be registered within one year of birth.
- Girl must not be involved in child labor.
- Girl must be fully vaccinated as per the Indian health department’s program.
- Girl must complete education up to at least the 8th grade.
- Girl must remain unmarried until the age of 18.
- Family must have a valid BPL ration card.
Benefits of the Scheme
The Bhagyalakshmi Scheme provides various incentives to help the growth and development of the girl child in the BPL families. On enrollment, 3000 rupees (per annum) is deposited at the rate of 15 years in Sukanya Samruddhi Account of the girl that provides a sum of around 1,27,000 rupees after 21 years. This maturity amount can be withdrawn for higher education (up to 50% after age 18) or marriage expenses, provided the girl meets eligibility criteria like completing 8th grade and remaining unmarried until 18. The money is directly deposited in the bank or postal account of the girl and this makes it transparent.
Also, the scheme offers health insurance cover of up to 25,000 rupees per annum on medical cost up to the age of 18 years or marriage of the girl. The girl is given annual scholarships of 300 to 1000 rupees in her bank account depending on the attendance and the academic performance on classes 1 to 10. Accidental and natural death benefits are also given to parents or guardians. A combination of these benefits enhances education, health and financial security, enabling girls to follow their dreams and make contributions to the society.
Documents Required
To apply for the Bhagyalakshmi Scheme, applicants need to submit the following documents:
- Birth Certificate: Proof of the girl child’s date of birth (note that the girl should have born after March 31, 2006).
- BPL Ration Card: To confirm the family’s Below Poverty Line status
- Aadhaar Card: Of the girl child and parents/guardian for identity verification.
- Income Certificate: To prove the family’s economic status.
- Residence Certificate: To verify permanent residency in Karnataka.
- Vaccination Certificate: Proof of the girl’s immunization as per health department guidelines.
- Passport-Size Photographs: Recent photos of the girl child and parents/guardian.
- Bank or Post Office Account Details: For depositing scholarships and maturity amounts.
- School Enrollment Proof: To confirm the girl’s education status (if applicable).
- Declaration Form: A self-declaration stating the girl is not involved in child labor or married before 18.
Application Process: Where and how to Apply
There is a simple process to apply under Bhagyalakshmi Scheme either online or offline. The following is a step by step method as to how to make the families enroll their girl children:
On-Line: application process:
- Access the Official Web site: Access blakshmi.kar.nic.in:8080/First.jsp through a browser.
- Download the Form: The link to download the Application Form is on the homepage please save the PDF.
- Complete the Form: Provide correct information such as the name of the girl, her date of birth, name of parents and BPL status. Include a passport size photo.
- Collect These: Get all of the necessary paperwork (birth certificate, BPL, Aadhaar, etc.) and scan to upload the copy online.
- Upload and Submit: Upload the signed copy of the filled form/Documents on the website. Be sure to check twice before sending.
- Get Acknowledgment: Upon submission, take note of the form ID as a way of tracking.
Off-line Application Process:
Take the Form: You can take the form without charges by going to an Anganwadi Center, Gram Panchayat office and the Taluk Women and Child Development office.
- Fill out the Form: Provide all the information, and append copies of the necessary papers.
- Hand in to Authorities: Hand in the form to Officer/ Woman Child Project, or the Deputy Director of Women and Child Development in your district.
- Verification: The documents will be verified by the authorities and in the event of its approval, the account will be opened in some post office.
- Check everything so that it is not rejected. To avail the help, call our helpline 080-22355984.
- Checking of Login and Application Status
- To view your Bhagyalakshmi Scheme application or get your account, do the following:
How to Log In:
- Go to Official Portal: Open blakshmi.kar.nic.in:8080/First.jsp in your browsing.
- Finding Login Button: Search and tap a reading tab called, Login or, Sign In.
- Log In: Log in with the username and password formed at the registration. In case you are not registered, then open an account using your application ID and personal information.
Steps to Check Application Status:
- Go to the Portal: First of all you have to Visit the same website and log in to your account.
- Select Status Check: after that on the homepage you have to Navigate to the “Track Application Status” or “Query Search” option.
- Enter Details: Therefore you have to Input the application ID, girl’s name, or date of birth as prompted.
- View Status: Click “Submit” to see the application’s progress (e.g., under review, approved, or rejected).
- Download Certificate: If approved, you may download a confirmation certificate from the portal.
If you face issues, contact the helpline at 080-22355984 or email ddcw.dwcd@gmail.com. You can also visit the nearest Women and Child Development Office for in-person support.
Important Dates and Deadlines
| Event | Date/Deadline |
|---|---|
| Application Start Date | Ongoing (within 1 year of girl’s birth) |
| Application End Date | Within 1 year of girl’s birth |
| Document Submission Deadline | Within 1 month of application submission |
| Result/Approval Notification | Within 1–2 months of submission |
| Last Date for Corrections | As notified by local authorities |
| Maturity Amount Claim | After girl attains 18 years (post-2024) |
Note: Dates may vary; check blakshmi.kar.nic.in for updates.
FAQs – Frequently Asked Questions
What is Bhagyalakshmi Scheme?
It is a government program of Karnataka that helps the BPL families that have girl children by giving them financial assistance, health insurance and also scholarships.
Who is eligible to the scheme?
Those who belong to BPL and have a girl child born after March 31, 2006 in Karnataka and are within the parameters of education and marriage.
How much money is the maturity of?
About 21 years down the line, this money can be used on education or marriage, about 1,27,000.
What is the health insurance?
Until the girl reaches 18 years of age or gets married, tuition fees to the extent of 25,000 per annum.
Is it an option of more than two girls in a family?
No, only two girl children of BPL family are eligible.
Which documents shall I need?
Birth certificate, BPL card, aadhar, income certificate and vaccination certificate.
What is the online application?
Access the site blakshmi.kar.nic.in, download the form, fill it, attach documents and submit.
What is the status of the application?
Log in to the portal, click on the Track Application Status and type your application ID.
And what happens in case my application is treated negatively?
Child Development Office or the helpline will have to be contacted to correct and resubmit.
Does it have a fee when applying?
No, it is free of charge both on the Anganwadi centers or online.