Every parent wants their daughter to grow up financially secure, educated, and independent. The Lakhpati Beti Yojana (officially known as the Delhi Lakhpati Bitiya Yojana) is a girl-child welfare scheme launched by the Government of NCT of Delhi to turn that wish into a real, government-backed savings plan. This article breaks down everything you need to know — eligibility, installment amounts, documents, the step-by-step application process, and answers to common questions — in simple, easy-to-understand language.
What Is Lakhpati Beti Yojana
Lakhpati Beti Yojana is a girl-child financial assistance scheme run by the Department of Women and Child Development (WCD), Government of NCT of Delhi. It replaces the older Ladli Yojana, which had been running since 2008.
Think of it as a government-run savings account opened in your daughter’s name on the day she is born. The government deposits a fixed amount at birth and then adds more money every time she reaches an important school or education milestone — Class 1, Class 6, Class 9, Class 12, diploma, and graduation. The entire corpus is invested through SBI Life Insurance, where it grows with interest until the girl turns 18 or 21, depending on the stage.
Key Facts at a Glance
| Detail | Information |
|---|---|
| Scheme Name | Lakhpati Beti Yojana (Delhi Lakhpati Bitiya Yojana) |
| Launched By | Chief Minister Rekha Gupta, Government of NCT of Delhi |
| Launch Date | 1 April 2026 |
| Replaces | Delhi Ladli Yojana (2008) |
| Implementing Department | Women and Child Development (WCD) Department, Delhi |
| Investment Partner | SBI Life Insurance Company |
| Total Government Deposit | Approximately ₹56,000 – ₹61,000 (in stages) |
| Approx. Maturity Value | Approximately ₹1.20 – ₹1.25 Lakh (with interest) |
| Beneficiaries per Family | Maximum 2 girl children |
| Annual Family Income Limit | Up to ₹1.20 Lakh |
| Application Mode | Online, through the Delhi e-District portal |
Note: Since this scheme was launched only in 2026, small differences in figures may appear across different government notices as rules get finalized. Always cross-check the latest numbers on the official Delhi government portal before applying.
Why This Scheme Matters
The scheme was designed with three broad goals in mind.
- Encouraging families to prioritize the birth and education of girl children
- Reducing the financial burden of school and college expenses at key life stages
- Building a long-term savings habit and a financial safety net that the girl herself can access as a young adult
How It Compares to the Old Ladli Yojana
| Feature | Ladli Yojana (Old) | Lakhpati Beti Yojana (New) |
|---|---|---|
| Running Since | 2008 | 1 April 2026 |
| Total Deposit | Around ₹36,000 – ₹41,000 | Around ₹56,000 – ₹61,000 |
| Maturity Amount | Lower payout | Approximately ₹1.20 – ₹1.25 Lakh |
| Coverage | Up to Class 10/12 mainly | Extended till graduation and diploma courses |
| Income Limit | Lower threshold | Raised to ₹1.20 Lakh per year |
| Application | Partly offline | Fully online via e-District portal |
Eligibility Criteria
Not every girl child automatically qualifies. The government has laid down clear conditions to make sure benefits reach the families who need them most.
Who Can Apply
- The girl child must be born in Delhi (in a recognized hospital or institution)
- The family must be a resident of Delhi (NCT) for at least 3 years before applying
- The girl should study in a Government, MCD, NDMC, or other recognized school in Delhi
- The scheme is limited to a maximum of 2 girl children per family
- The family’s total annual income must not exceed ₹1.20 Lakh
- Girls residing in Child Care Institutions (orphanages or shelter homes) under government guardianship are also eligible
Who Should Not Apply
- Families with annual income above ₹1.20 Lakh
- A third or subsequent girl child in the same family (only the first two are covered)
- Girls who are not residents of Delhi or not studying in a recognized Delhi institution
Installment-Wise Benefit Structure
This is the heart of the scheme. Instead of one lump sum, the money is released in parts, timed with major milestones in the girl’s life. Below is a simplified breakup commonly listed by the government and official scheme trackers.
Stage-by-Stage Payment Table
| Milestone | Approximate Amount |
|---|---|
| At Birth | ₹11,000 |
| Admission to Class 1 | ₹5,000 |
| Admission to Class 6 | ₹5,000 |
| Admission to Class 9 | ₹5,000 |
| Passing Class 10 / Admission to Class 11 | ₹5,000 |
| Admission to Class 12 | ₹5,000 |
| 1-Year Diploma Completion | ₹10,000 |
| 2-Year Diploma Completion | ₹20,000 |
| 3-Year Diploma / Graduation | ₹20,000 |
| 4-Year Graduation Degree | ₹25,000 |
How the Amount Grows Over Time (Illustrative Growth Chart)
Since the deposits are invested with SBI Life and compound over the years, the value at maturity is significantly higher than the raw deposit amount. Here is a simplified illustration of how the corpus is expected to build up:
| Age of Girl Child | Life Stage | Approx. Cumulative Deposit | Approx. Growth Value |
|---|---|---|---|
| 0 years | Birth | ₹11,000 | ₹11,000 |
| 6 years | Class 1 | ₹16,000 | ₹20,000+ |
| 11 years | Class 6 | ₹21,000 | ₹32,000+ |
| 14 years | Class 9 | ₹26,000 | ₹45,000+ |
| 16 years | Class 11 | ₹31,000 | ₹58,000+ |
| 18 years | Class 12 | ₹36,000 | ₹75,000+ |
| 21 years | Graduation | ₹56,000 – ₹61,000 | ₹1,20,000 – ₹1,25,000 |
This table is only indicative to help you visualize how compounding works; the exact figures depend on interest rates applied by SBI Life at the time of maturity.
Documents Required
Keep these documents ready before you begin the online application, so the process goes smoothly without repeated rejections.
Mandatory Documents
- Birth certificate of the girl child (issued by MCD, NDMC, or the concerned Delhi authority)
- Aadhaar card of mother, father, and the girl child (once issued)
- Proof of Delhi residence for the last 3 years (voter ID, ration card, or utility bill)
- Family income certificate (issued by the Tehsildar, showing annual income below ₹1.20 Lakh)
- School bonafide certificate at each milestone (Class 1, 6, 9, 11, 12, diploma, graduation)
- Aadhaar-linked bank account details of the mother or the girl child, for direct instalment credit
Optional but Useful Documents
- Passport-size photograph of the girl child
- Caste certificate (if applying under any special quota, where applicable)
- Guardian certificate, in case the girl is under institutional care
Step-by-Step Online Application Process
Applying is entirely digital. Follow these steps carefully.
Step 1: Visit the Official Portal
Go to the Delhi e-District portal or the WCD Delhi website (links provided in the table at the end of this article).
Step 2: New User Registration
Click on “New User Registration” and complete the process using the mother’s or father’s Aadhaar number and an active mobile number.
Step 3: Login to Your Account
Once registered, log in using your credentials to access the citizen services dashboard.
Step 4: Select the Scheme
From the list of available services, search for and select “Lakhpati Beti Yojana” or “Delhi Lakhpati Bitiya Yojana.”
Step 5: Fill the Application Form
Enter the girl child’s details, date of birth, parents’ details, family income, and Delhi residency information accurately.
Step 6: Upload Documents
Scan and upload all mandatory documents in PDF or JPG format, as specified on the portal.
Step 7: Submit and Download Acknowledgement
Review all entered details carefully, submit the form, and download the acknowledgement slip or tracking ID for future reference.
Important Application Timelines
- Apply within 1 year of the girl’s birth for the birth-stage benefit
- Apply within 90 days of admission at each subsequent educational milestone (Class 1, 6, 9, 11, 12, diploma, graduation)
- Late applications may still be considered, but benefits will typically apply only from that stage onward, not retroactively
When and How the Money Can Be Withdrawn
- School-stage benefits can generally be withdrawn after the girl passes Class 12 and turns 18 years old
- Diploma and graduation-stage benefits can be withdrawn after course completion and once the girl turns 21 years old
- The maturity amount is credited directly into the Aadhaar-linked bank account of the girl or her guardian
Common Mistakes to Avoid
- Applying with an income certificate that shows income above ₹1.20 Lakh, leading to automatic rejection
- Missing the 90-day window after admission at a new class or course
- Submitting blurry or incomplete document scans
- Forgetting to link the bank account with Aadhaar before submitting the final application
- Applying for a third girl child in the same family, which is not covered under the scheme
Existing Ladli Yojana Beneficiaries: What Changes for You
If your daughter was already registered under the old Ladli Yojana, you generally do not need to reapply. Her account is expected to be automatically migrated to the new Lakhpati Beti Yojana, and she will receive the enhanced, higher amounts for all remaining milestones going forward. It is still a good idea to visit your nearest WCD office or check your SBI Life account status to confirm that the migration has been completed correctly.
Frequently Asked Questions (FAQs)
What is the full form or meaning of Lakhpati Beti Yojana?
It is a Delhi government scheme that aims to make every eligible girl child a “lakhpati” (someone with savings worth over one lakh rupees) by the time she completes her education, through staged government deposits invested with SBI Life.
Is Lakhpati Beti Yojana a central government scheme or a state scheme?
It is a Delhi state government scheme, run by the Department of Women and Child Development, Government of NCT of Delhi. It is not a central/national scheme, so girls outside Delhi are currently not eligible.
How much total money does the government deposit under this scheme?
According to official scheme details, the government deposits approximately ₹56,000 to ₹61,000 across various stages from birth to graduation, which grows to about ₹1.20 to ₹1.25 Lakh with interest by maturity.
Who is eligible for Lakhpati Beti Yojana?
A girl child born in Delhi, whose family has lived in Delhi for at least 3 years, studies in a recognized Delhi school, and whose family’s annual income does not exceed ₹1.20 Lakh, is eligible. Only the first two girl children in a family can be covered.
What happens if I miss the 90-day application window at a school milestone?
Late applications may still be accepted, but the girl will typically receive benefits only from that stage onward, not for the milestones already missed. It is best to apply as early as possible.
Can girls under institutional care (orphanages) apply for this scheme?
Yes. Girls residing in Child Care Institutions under proper guardianship are also eligible, and the government acts as their guardian for the purpose of this scheme.
When can the maturity amount actually be withdrawn?
School-stage benefits are generally withdrawable after passing Class 12 and turning 18. Diploma and graduation-stage benefits become withdrawable after course completion and upon turning 21.
Do I need to reapply if my daughter was already enrolled under the old Ladli Yojana?
No, in most cases existing Ladli beneficiaries are automatically migrated to Lakhpati Beti Yojana and will receive the higher, updated benefit amounts for future milestones.
Important Links
| Action | Link |
|---|---|
| Application Form / Apply Online | Click Here |
| Official Scheme / WCD Delhi Website | Click Here |
| Other Government Yojana Information | Click Here |
| Home Page | Click Here |
| Check Application Status | Click Here |
| Helpline (SBI Life Insurance) | 1800 229 090 |