Bhagyalaxmi Scheme: Financial Assistance for Girl Child in Karnataka

Bhagyalaxmi Scheme is a prominent girl child welfare scheme launched by the Government of Karnataka to ensure the health, education, and overall well-being of girl children in economically weaker families. 

The scheme aims to promote the birth of girl children, provide financial assistance for girl child, and raise their status in society. This initiative is part of the larger women and child development scheme, focusing on enhancing the lives of girls from marginalized families.

What is the Bhagyalaxmi Scheme?

Bhagyalaxmi Yojana is designed to provide comprehensive support to female children born into Below Poverty Line (BPL) families in Karnataka. The scheme ensures financial security through insurance benefits and scholarships that cover education, health insurance, and emergency benefits. 

The goal is to foster the growth and empowerment of girl children while ensuring that their birth and education are supported by the state.

Key Objectives of the Bhagyalaxmi Scheme

The Karnataka Bhagyalaxmi Scheme is designed with several important objectives in mind:

1. Promote Birth of Girl Children: The scheme aims to increase the birth rate of girl children in families that are financially disadvantaged, particularly those identified as BPL.
2. Enhance the Status of Girl Children: By providing financial aid, the scheme seeks to enhance the social status of girl children, ensuring that they have equal opportunities for growth and development within the family and society.
3. Financial Assistance for Girl Child: It offers financial assistance for girl child at different stages of education, ensuring that financial constraints do not become an obstacle for the child's growth.
4. Raise Status in Society: The scheme works to improve the social standing of the girl child within her family and society, ensuring she receives the same respect and rights as any other child.
5. Health Insurance Benefits: The scheme also includes health insurance coverage for girl children, ensuring their medical needs are met without financial strain on the family.

Benefits of the Bhagyalaxmi Scheme

The Bhagyalaxmi Yojana offers a range of benefits for girl children, focusing on education, health, and financial security:

1. Health Insurance Coverage

The girl child under this scheme receives health insurance worth up to ₹25,000 per year. This coverage helps in providing the necessary medical treatments, ensuring the well-being of the girl.

2. Scholarships for Education

The scheme provides annual scholarships based on the grade of the girl child:

• ₹300 for girls in 1st to 3rd class
• ₹500 for girls in 4th and 5th classes
• ₹600 for girls in 6th and 7th classes
• ₹800 for girls in 8th class
• ₹1,000 for girls in 9th and 10th classes

These scholarships provide crucial financial support to ensure that girls continue their education without any hindrances.

3. Accident Insurance Benefits

In case of an accident, the Bhagyalaxmi scheme provides ₹1 lakh to the parents of the girl. If the beneficiary passes away due to a natural death, the family receives ₹42,500. This is a valuable insurance scheme for girl child that ensures protection against unforeseen events.

4. Maturity Benefits

Upon reaching the age of 18, the girl child is entitled to receive the total amount saved under the scheme. The total financial assistance can amount to approximately ₹34,751.

Bhagyalaxmi Scheme Eligibility Criteria

To qualify for the Bhagyalaxmi scheme, certain conditions need to be met:

1. Age and Birth Criteria: The girl must be born after 31st March 2006 in a BPL family.
2. Family Status: The scheme is only available to families with up to two female children from BPL backgrounds.
3. Immunization Requirements: The child must have received correct immunization as per the health department’s guidelines.
4. No Child Marriage: The girl cannot have been married before turning 18 years old.
5. Income: The family’s total income must fall below the specified BPL income threshold.

How to Apply for Bhagyalaxmi Scheme?

The application process for the Karnataka Bhagyalaxmi scheme is simple and can be completed both online and offline.

Online Application Process:

1. Visit the official Bhagyalaxmi Yojana Karnataka website.
2. On the homepage, select the Bhagyalaxmi Scheme tab.
3. Click on the Bhagyalaxmi Yojana Application Form link.
4. The PDF application form will open.
5. Fill in the required details, such as the child’s birth certificate, income proof, and address proof.
6. Submit the form to the concerned authority.

Offline Application Process:

1. Obtain the application form from the nearest Anganwadi center or Gram Panchayat.

2. Complete the form and submit it with the required documents like birth certificate and income details.

3. Submit the form to the concerned local authority for processing.

Documents Required for Bhagyalaxmi Scheme

The following documents are necessary to apply for the Bhagyalaxmi Scheme:

1. Application form for the scheme.
2. Certified copy of the birth certificate of the girl child.
3. Income certificate of the parents.
4. Address proof of the family.
5. Family Planning certificate (for registering the second child).
6. Marriage certificate or Self-declaration from the parents regarding marriage.