J&K Bank Ladli Beti Scheme 2026

Securing a girl child’s future begins with financial stability and long-term planning. The Ladli Beti Recurring Deposit Scheme is a government-backed initiative designed to empower families from economically weaker sections by building a dedicated savings corpus for their daughters.

The scheme promotes financial inclusion while creating a meaningful fund that can support the girl child’s education, skill development, and overall financial independence.

It serves as a strong stepping stone toward a secure and self-reliant future. Continue reading to learn more about Jammu and Kashmir Ladli Beti Scheme.

What is Jammu & Kashmir Bank Ladli Beti Scheme?

Ladli Beti Scheme is a social assistance scheme which is sponsored by Jammu & Kashmir government. This scheme is an initiative for new new born girl child born in Union Territories of J&K and Ladakh on or after 1st April 2015 to restrict the declining female sex ratio. It further intends to ensure that the girl child is not a burden for their parents or guardian at the time of marriage.

Phases of J&K Bank Ladli Beti Scheme

Ladli beti scheme is divided into phases that are mentioned below-

Phase I: It is a recurring deposit for around 14 years which matures one month after the last installment received in the account. J&K government makes a monthly contribution of Rs.1000/ in this phase.
Phase II: It is a cumulative term deposit for around 7 years. In this phase, the interest is not paid out to the beneficiary periodically and continues to compound yearly until the maturity date.

Who Is Eligible for J&K Bank Ladli Beti Scheme?

Now, you know what J&K ladli beti scheme is? lets' check who can is eligible to apply for this scheme.

• Girl Child who is born on after April 1, 2015
• Application needs to be complete in selected districts (Srinagar, Anantnag, Budgam, Jammu, Kathua, Pulwama, Samba, Kishtwar).
• Girl child whose parents having annual income from all source which is less than Rs.75000

Ladli Beti Scheme Online Registration Process

• Open Service plus portal

• If you are new user click on signup for meripehchan

• Register your account by providing a few basic details like your phone number, email address, name and gender

• Enter and confirm password

• If you are existing user then login using credentials
• Click on Apply for Services
• Now under Ladli Beti Scheme search for Application for obtaining financial assistance.
• Upload the required documents
• Click on submit
• Download the Acknowledgement.
• You may track the status of your application.
• Finally, you can provide personal feedback via a Rapid Assessment System (RAS).

Documents Required to Avail J&K Ladli Beti Form Online

You will need the following documents to apply for the Ladli Beti scheme through your smartphone or any other device:

• Duly filled and signed application form
• KYC of parent or guardian
• Beneficiary's Aadhaar Card
• Birth certificate of girl child
• Income certificate of the guardian (should indicate their annual income to be less than ₹75,000
• A life certificate of the girl child must be submitted every three years and at the time of maturity. (The certificate must be issued by a gazetted officer or the principal of the school/college where the child is enrolled)

Government Contribution and Deposit Structure

The scheme ensures systematic savings through direct government contributions:

• ₹1,000 per month is deposited by the J&K Government
• Contributions continue for 14 years from the birth of the girl child or from the account opening date
• Total contribution by the government amounts to ₹1,68,000
• During Phase I (Recurring Deposit), no additional deposits other than the government contribution are allowed

After the completion of the recurring deposit tenure, the account transitions automatically into a Phase II Cumulative Term Deposit for continued growth.

Withdrawal and Maturity Rules

The scheme is designed to promote long-term financial security, hence strict withdrawal conditions apply-

No partial withdrawals or foreclosure are permitted in any phase

Maturity benefits are paid when girl child turns 21 years of age, or after the first installment, or 85 months after the last installment (Whichever is later).

The maturity amount is credited to the savings bank account of the girl child. She may choose to reinvest the proceeds in any deposit plan offered by the bank at prevailing rates.

Tax Applicability on Ladli Beti Scheme

Ladli beti scheme is aimed for those households having annual income less than 75000. TDS will not be deducted if guardian/beneficiary furnishes form 15G/15H every year and has a valid PAN.

Conclusion

The J&K Bank Ladli Beti scheme is a revolutionary step taken by the Jammu and Kashmir Government. Through this scheme, every girl child will keep earning ₹1,000 monthly until they reach the age of 14 years. Next, their amount is directly transferred to a cumulative term deposit for another 7 years. As a result, by the time a daughter turns the age of 21, they can earn an approximate sum of ₹6.50 lakh. 

In addition, you can invest in secure fixed deposits conveniently via Stable Money to earn interests of up to 9.50% per annum. These investments can add up to the corpus and help your girl child achieve her educational and other life goals quite easily.