Jammu and Kashmir Ladli Beti Scheme 2026‑27

The Ladli Beti Scheme is a savings plan for girls in Jammu and Kashmir. The Social Welfare Department of the Government of Jammu and Kashmir runs it. It is not a scholarship that pays school or college fees. The state puts money into a bank deposit in the girl’s name, and the total is paid to her when she is older. Her account is a recurring account for 14 years, counted from one month after the last instalment.

A girl born on or after 1 April 2015 can be covered if her parents’ income is within the limit and the family lives in J&K. The girl must be born on or after 01-04-2015, and the parents or guardians must have an income that does not exceed Rs. 75000 per annum.

What you get

• The state credits Rs. 1,000 each month to the girl’s bank account through direct transfer, up to age 14.
• In total, the Union Territory contributes Rs. 1,68,000 over the 14 years.
• After the first 14 years, the account moves to a second phase, a cumulative term deposit for seven years.
• The district notice gives the payout as Rs. 6.50 lakh when the girl reaches 21.
• Maturity is paid on the latest of three dates: age 21, 21 years after the first instalment, or 85 months after the last instalment. It goes into her savings account.

No partial drawal or early closure is allowed in any phase. No nomination facility is available on the account. If the girl dies before she turns 21, the account closes before maturity without pre-payment charges.

Who can apply

• A girl child born on or after 1 April 2015.
• A family whose annual income from all sources does not exceed Rs. 75,000.
• The girl and her family must be residents of Jammu and Kashmir.
• The eligible districts named are Srinagar, Anantnag, Budgam, Jammu, Kathua, Pulwama, Samba and Kishtwar.

The official pages I read do not list other exclusions.

How to apply

The official sources describe two routes. The district page says to apply offline with the Child Development Project Officer (CDPO). The state’s own listing describes an online route, which starts with logging in to the Jansugam portal after registering on the Service Plus portal. Ask your CDPO office which route your district uses.

1. The girl’s natural or legal guardian opens the recurring deposit account. Use a J&K Bank branch.
2. Collect the 16-digit Ladli Beti account number from the bank.
3. Register on the Service Plus portal, then log in on Jansugam.
4. Open Apply for Services and search for the Ladli Beti financial assistance application.
5. Enter the 16-digit account number exactly as the bank issued it, since sanction depends on it. Upload the mandatory documents and submit.
6. Download the acknowledgement and keep it for your records.

Documents you need

The district page lists these for the offline route:

• The prescribed application form.
• An income certificate of the parent or guardian, issued for the Tehsildar, not exceeding Rs. 75,000 a year.
• A date of birth certificate from a competent authority.
• An MCP card.

The official pages I read give no full list for the online route, so check the portal before you upload.

How students are selected

This is not a competitive selection. The Deputy Commissioner either rejects or returns an application with reasons, or sanctions it within 10 days and forwards it to the Director (Finance) of the Social Welfare Department for payment.

Renewal

The official pages I read describe no yearly renewal. The account graduates to the second phase on its own after the first phase. A life certificate of the girl must be produced every three years and at maturity, certified by a gazetted officer or the principal of her school or college.

Important dates

The district page shows the scheme running from 01/04/2015 with no end date. The official pages I read do not publish a closing date or a 2026-27 cycle. Some unofficial pages quote a payout at Class 12. The bank’s product page gives the maturity rule as age 21 or later, so check the portal or your CDPO office before relying on any other date.