Delhi Ladli Yojana – Complete Guide

What is Delhi Ladli Yojana?

Delhi Ladli Yojana is a flagship scheme of the Government of NCT of Delhi designed to ensure the education and empowerment of girl children. Launched to address the declining sex ratio and promote girls' education, the scheme provides financial assistance at various stages from birth through Class 12.

The total benefit can amount to approximately ₹36,000 per girl child, deposited as a series of fixed deposits that mature when the girl turns 18.

Benefits Breakdown

The amounts are deposited as Fixed Deposits in SBI Life Insurance. The matured amount (with interest) can be claimed when the girl turns 18 and has passed at least Class 10.

Who is Eligible?

• Residency: The family must be a resident of Delhi for at least 3 years
• Birth: The girl child must be born in Delhi
• Family Income: Annual family income should not exceed ₹1,00,000
• Daughters Limit: Maximum two girl children per family
• School: Must be enrolled in a government-recognized school in Delhi

Documents Required

At Birth Registration

• Birth certificate of the girl child
• Parents' Aadhaar cards
• Residence proof (3 years in Delhi) — voter ID, electricity bill, or rent agreement
• Income certificate or self-declaration (income below ₹1 lakh)
• Hospital discharge slip (for institutional birth)
• Family photograph

At School Stage

• School admission/enrollment certificate
• Previous stage Ladli Yojana receipt
• Girl's Aadhaar card
• Parent's/guardian's Aadhaar card
• Marksheet (for Class 10 passing stage)

Step-by-Step Application Process

At Birth (First Application)

1. Hospital Birth: The hospital where the girl is born will provide the Ladli Yojana application form. Fill it before discharge.
2. Home Birth: Visit the District Women & Child Development Office within one year of birth
3. Fill Form: Complete the Ladli Yojana form with family details
4. Attach Documents: Submit birth certificate, parents' Aadhaar, residence proof, and income certificate
5. Submit: The hospital/DWCD office forwards the application to the Department
6. FD Created: An SBI Life FD is created in the girl's name

At School Stages (Class 1, 6, 9, 10, 12)

1. Through School: Government schools in Delhi distribute Ladli Yojana renewal forms
2. Fill Renewal Form: Complete the form for the current stage
3. Attach Documents: Submit enrollment certificate and previous stage receipt
4. School Submits: The school forwards applications in bulk to the department
5. Additional FD: A new FD of ₹5,000 is created for each qualifying stage

Online Application/Status Check

1. Visit Portal: Go to https://wcd.delhi.gov.in or https://edistrict.delhigovt.nic.in
2. Search for Ladli Yojana: Navigate to the scheme section
3. Check Status: Enter the girl's details or registration number to track application status

How to Claim the Matured Amount

When the girl turns 18:

1. Eligibility Check: The girl must have passed at least Class 10 and be 18 years old
2. Visit SBI Life/Bank: Go to the designated SBI branch with:
   • Original Ladli Yojana documents/receipts
   • Girl's Aadhaar card and ID proof
   • Class 10 marksheet
   • Bank account passbook (in the girl's name)
3. Submit Claim Form: Fill the maturity claim form
4. Verification: Documents are verified (7–15 days)
5. Amount Credited: The matured amount (principal + interest) is transferred to the girl's bank account

Processing Time

• Birth Registration: 30–45 days for FD creation
• School Stage Application: 2–3 months for processing
• Maturity Claim: 15–30 days after submission

Important Tips

1. Apply at Birth: Don't delay the first application — it should ideally be done at the hospital itself. You have up to 1 year from birth to apply.
2. Keep All Receipts: Store all Ladli Yojana receipts and FD documents safely — you'll need them at each stage and for the final claim.
3. Government School Advantage: Government school students have a smoother process as schools handle bulk applications.
4. Don't Skip Stages: Apply at every qualifying stage (Class 1, 6, 9, 10, 12) to maximize the total benefit.
5. Open Bank Account Early: Ensure the girl has a bank account in her name before turning 18 for smooth maturity claim processing.

Frequently Asked Questions

Q1: Can girls in private schools avail Ladli Yojana?

A: Yes, girls in government-recognized private schools can apply. However, the process is easier through government schools which handle applications in bulk.

Q2: What if the family moves out of Delhi?

A: The FDs already created remain valid. However, for subsequent stages, the girl must be studying in a Delhi school. Moving out may affect future installments.

Q3: Can the money be withdrawn before the girl turns 18?

A: No. The FDs are locked and can only be claimed after the girl turns 18 and has passed Class 10. This ensures the money is used for the girl's benefit.

Q4: What is the approximate matured amount at age 18?

A: With compound interest over the years, the total matured amount is estimated to be ₹1,00,000 or more (depending on interest rates at the time of FD creation).

Q5: Is this scheme available for the third daughter?

A: No. The scheme covers a maximum of two girl children per family.

Q6: What if the girl drops out of school?

A: The FDs already created remain in her name and can be claimed at 18. However, she won't receive additional deposits for stages she didn't complete, and she must have passed Class 10 to claim.

Q7: Can adopted girls avail this scheme?

A: Yes, legally adopted girl children are eligible provided the family meets all other criteria and has legal adoption documents.

This guide is for informational purposes only. CitizenNest is an independent platform and not affiliated with the Government of Delhi. For official details, visit https://wcd.delhi.gov.in. Also see our Aadhaar guide for documentation help.