Bhagyalakshmi scheme: Eligibility & Application Process ,Documents Required, and Benefits Explained

Bhagyalakshmi Yojana is a great initiative by the Karnataka state Government for the welfare of girl children. The benefits are provided to the girl children belonging to low-income groups in the state. bhagyalakshmi scheme is initiated to uplift the status of girl children in society and offer them a good upbringing. The financial assistance provided by the government helps in early healthcare and education of the girls. It reduces financial burden on poor families and also enhances gender equality in the state.

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In this article, we will discuss the details about the Bhagyalakshmi Yojana, its benefits, features, application process, and much more.

What is a Bhagyalakshmi Yojana?

The Karnataka Government introduced the Bhagyalakshmi yojana scheme in 2006 to provide financial assistance to the girls in the state. The plan aims at attaining gender equality in the state. Under this scheme, the state government offers financial help to the low-income families during childbirth and the upbringing of girl children. The primary goal of the scheme is to improve the sex ratio and provide a healthy upbringing to the girl children belonging to BPL families. The Bhagyalakshmi scheme provides monetary benefits, health insurance, and educational scholarships to the beneficiaries. It has helped people to change their mindset and attitude toward girl children. Here are the complete details of the Bhagyalakshmi scheme at a glance:

Feature	Details
Launched By	Government of Karnataka
Year of Launch	2006
Beneficiaries	BPL families in Karnataka
Number of Children	Max. 2 girls per family
Financial Assistance	Rs. 34,751 at 18 years after certain milestones
Health Insurance	Up to Rs. 25,000 per year
Education Scholarship	Rs. 300 to Rs. 1,000 yearly from class 1 to 10
Death Benefit	Rs. 1,00,000 (accidental) or Rs. 42,500 (natural) to parents/guardians
Eligibility	The girl child must be born after 31st March 2006. She must not be married before 18 the age of. Girl children must have completed 8th grade.
Application Modes	Online and Offline

Bhagyalakshmi Scheme Objectives

The Bhagyalakshmi scheme was started with various objectives for the betterment of girl children in the state. Here are the key objects of the scheme:

Encourage the birth of girl children

The scheme works as the motivation for poor families to welcome the girl children with financial support and benefits.

Enhance the girl’s status in society

The Bhagyalakshmi scheme focuses on education, health, and financial assistance for the girl children. It helps in changing the attitude of people toward girls and eliminating discrimination.

Support the poor families financially

The scheme offers financial help to the families belonging to the Below Poverty Line. It helps to make their lives better and raise their daughters without financial problems.

Social upliftment of families

The Bhagyalakshmi scheme also helps those families who want to provide good education and health to their girls but fail to do so due to financial constraints.

Offer financial aid after completing milestones

The aid is provided under various conditions, such as scholarships, maturity benefits, insurance, etc.

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Eligibility criteria for Bhagyalakshmi Scheme

Families who want to apply for the Bhagyalakshmi scheme must fulfill certain eligibility criteria. Here are the details of eligibility requirements for the Bhagyalakshmi scheme:

The applicant girl child must belong to BPL families in Karnataka.
The date of birth must be after 31st March 2006.
Parents must not have engaged the girl child in child labour.
The immunization of the child must be complete as per government policies.
The Girl child must be above 18 years at the time of marriage.
The applicant’s child must have completed her education till grade 8th.
A maximum of 2 girl children of a family will get the benefits.

Documents required for the Bhagyalakshmi scheme

To apply to the Bhagyalakshmi scheme, applicants need to submit some necessary documents. Here is the complete list of required documents for the Bhagyalakshmi scheme:

Properly filled Bhagyalakshmi scheme application form
Birth certificate of the girl child
Parents’ income proof
BPL Card
Address Proof of the parents
Girl child bank details

Bhagyalakshmi Scheme Benefits

The Bhagyalakshmi scheme offers benefits to the girl child born in the state and who belongs to BPL families. The key benefits are mentioned below:

Financial Aid

The scheme offers financial benefits to the eligible applicants. This financial assistance can help the girls lead a respectful and healthy life.

Health Insurance

The Bhagyalakshmi scheme provides health insurance to the beneficiaries for up to Rs. 25000 per year.

Educational Scholarship

The eligible girls get annual scholarships of Rs. 300 to Rs. 1000 per year from class 1st to 10th. It helps them to study without worrying about finances.

Maturity Benefits

When the girl child reaches the age of 18 years, she will get a lump sum of Rs. 34,751 as the maturity benefits.

Death benefits

If the beneficiary girl child dies due to an accident, the parents will get compensation of Rs. 1 Lakh. In case the death happens naturally, parents will get Rs. 42,500.

Annual Scholarship provided from Class 1st to 10th

The scholarship benefits under the Bhagyalakshmi scheme are provided class-wise. Here are the complete details below:

Class	Scholarship Amount offered Annually
1st to 3rd	Rs. 300
4th	Rs. 500
5th	Rs. 600
6th – 7th	Rs. 700
8th	Rs. 800
9th – 10th	Rs. 1000

Application process for Bhagyalakshmi Scheme

The application process for the Bhagyalakshmi scheme can be done offline or online. You need to follow the process carefully to apply for the scheme.

Online Application Process for Bhagyalakshmi Scheme

If you want to apply for the Bhagyalakshmi scheme online, you must follow the steps below:

Go to the official website for the https://gadag.nic.in/en/scheme/bhagyalaxmi/ Bhagyalakshmi Scheme karnataka.
You will find the application form link for the Bhagyalakshmi scheme on the homepage. Press the link to access the application form.
You will find the option to download the application form.
Fill the form carefully with all the necessary details and attach the required documents.
After filling out the form, you must review it carefully. Submit the form online or to the official authorities.

Offline Application Process for Bhagyalakshmi Scheme

The applicants who are more comfortable applying offline for the Bhagyalakshmi scheme, here is the complete process:

You must visit the NGOs, authorised banks, municipal corporations, Anganwadis, or gram panchayats.
Ask for the application form for the Bhagyalakshmi scheme.
Fill the form with accurate details such as the girl child’s name, date of birth, parents’ names, income details, etc.
Attach copies of the necessary documents, such as birth certificate, income proof, BPL card, bank details, etc.
Submit the form to the concerned officials and receive the acknowledgement slip.
The authorities will verify the form and check eligibility before approving it. If all the details are found as per the rules, your form will be approved.

Conclusion

The Bhagyalakshmi scheme has successfully changed the lives of many underprivileged girls. The poor families no longer see their girl children as burdens. The scheme helps in offering necessary education and healthcare to the girl child in the state. Key objectives of the scheme are to improve the status of the girl child in society and to eliminate discrimination. The benefits provided by the Bhagyalakshmi scheme are financial help, health insurance, death benefits, etc. Applicants must fulfill the eligibility criteria to apply for the scheme.

FAQs

Q1)What are the eligibility requirements for the Bhagyalakshmi scheme?

To apply for the Bhagyalakshmi scheme, the girl child must be born after 31st March 2006. The family must belong to the families below the poverty line.