Aapki Beti Hamari Beti Yojana Haryana 2025 – Eligibility, Benefits, Application Process & Full Details

The Aapki Beti Hamari Beti Yojana is a flagship initiative of the Department of Women and Child Development, Government of Haryana, launched on 24th August 2015. The scheme came into force with effect from 22nd January 2015. It was designed to address the long-standing issue of gender bias and the declining child-sex ratio in the state.

Under this scheme, the Government of Haryana invests ₹21,000/- with the Life Insurance Corporation of India (LIC) in the name of the first girl child born in Scheduled Caste (SC) or Below Poverty Line (BPL) families. For families belonging to any other caste, the investment is made in the name of the second girl child. Once the girl turns 18 years of age, the maturity amount is handed over to her, provided she remains unmarried until then.

The scheme is a significant step towards ensuring the survival, education, and empowerment of the girl child, while also discouraging early marriage and promoting equal opportunities.

Objectives of the Scheme

The key objectives of the Aapki Beti Hamari Beti Yojana are:

1. To bring about a positive change in societal attitudes towards the birth of girl children.
2. To improve the child-sex ratio in Haryana.
3. To encourage enrolment and retention of girls in schools and help them pursue higher education or income-generating activities.
4. To raise the legal age of marriage for girls, reducing instances of child marriage.
5. To ensure the survival, health, and proper education of every girl child in the state.

Key Features of the Scheme

1. Implemented across both rural and urban areas of Haryana.
2. Covers the first girl child of SC/BPL families and the second/twin/multiple girl children of families belonging to other castes.
3. The scheme merged with the earlier Ladli Scheme. Families who were already eligible under Ladli continue to receive benefits.
4. Investment of ₹21,000/- through LIC in the name of the girl child beneficiary.
5. Monitoring of the scheme is done by the Women and Child Development Department, Haryana, along with third-party audits as required.
6. Benefits are provided directly through LIC membership certificates, ensuring transparency and security.

Financial Assistance / Grant Amount

The financial benefits under the scheme vary depending on the circumstances of the birth of the girl child:

1. First Girl Child (SC/BPL families, born on or after 22nd January 2015):
   • A one-time grant of ₹21,000/-.
2. Second Girl Child (all families, irrespective of caste, religion, or income, born on or after 22nd January 2015):
   • A one-time grant of ₹21,000/-.
3. Twin/Multiple Girl Children (born on or after 22nd January 2015):
   • A one-time grant of ₹21,000/- per girl child.
4. Second Girl Child (born on or before 21st January 2015 – Ladli scheme cases):
   • ₹5,000/- per annum for 5 years.
5. Twin/Multiple Girls (born on or before 21st January 2015 – Ladli scheme cases):
   • ₹2,500/- per annum for 5 years per girl child.

The investment is made through LIC of India in the name of the girl child beneficiary, and the maturity amount is paid after she turns 18 years of age.

Eligibility Criteria

To qualify for the scheme, the following eligibility conditions must be met:

1. For SC and BPL Families:
   • First girl child born on or after 22nd January 2015.
2. For All Families (any caste or income group):
   • Second girl child born on or after 22nd January 2015.
3. For Twins/Multiple Girls:
   • If born on or after 22nd January 2015, each girl child is eligible.
   • If born on or before 21st January 2015, each girl child is eligible under the erstwhile Ladli scheme.
4. General Requirements:
   • Parents must be residents or domiciles of Haryana.
   • The girl child must be registered at an Anganwadi Centre or with the Health Department.
   • The birth must be registered officially.
   • The girl child must have an Aadhaar number (or Aadhaar of parents at the time of application).
   • Parents must ensure proper immunization records are attached with the application form.
   • The beneficiary must be unmarried at the time of maturity (18 years) to encash the benefit.

Reservation Policy

The scheme does not provide separate reservations but ensures:

• Equal financial assistance to SC, BPL, and general families, based on eligibility.
• Priority to Scheduled Caste and BPL families for the first girl child.
• Universal coverage for the second girl child, regardless of caste, creed, or religion.

Distribution of Benefits

1. The government invests the grant directly with LIC of India.
2. LIC issues a membership certificate in the name of the beneficiary.
3. The membership certificate is delivered to the parents/guardian through the District Programme Officer.
4. The maturity value is released when the girl turns 18 years old and remains unmarried.

Application Process (Step by Step)

The application for the scheme is done offline through the Women and Child Development Department.

Step 1: Collect the application form from the nearest Anganwadi Centre or download it from the department’s official portal.

Step 2: Fill in all required details in the application form. Attach:

• Birth certificate of the girl child
• Immunization card
• Aadhaar card (of child/parents/guardian)
• Residence proof
• Caste certificate (if applicable)
• BPL card (if applicable)
• Passport size photographs
• Bank account details

Step 3: Submit the duly filled form and documents to the Anganwadi Worker/Health Staff.

Step 4: The Anganwadi Worker/Health Staff forwards the application to the Circle Supervisor/Medical Officer/Women and Child Development Project Officer (WCDPO)/Civil Surgeon.

Step 5: The WCDPO or Civil Surgeon forwards the verified applications to the District Programme Officer, who sanctions the amount.

Step 6: The sanctioned amount is deposited with LIC of India, and a membership certificate is issued in the name of the girl child.

Step 7: The membership certificate is handed over to the parents/guardian through the District Programme Officer.

Renewal Policy

• The scheme is a one-time investment scheme; hence, there is no renewal of financial assistance every year (except in cases under the merged Ladli scheme).
• For the erstwhile Ladli scheme beneficiaries, the annual payment of ₹5,000 or ₹2,500 per girl child continues for 5 years.
• Renewal or continuation of benefits requires that the beneficiary meets the eligibility conditions, including education and health requirements.

Withdrawal and Cancellation of Benefits

1. The benefit shall be withdrawn if obtained fraudulently through false documents or incorrect information.
2. In case of wrong information provided deliberately, the applicant will be liable for prosecution.
3. If the girl child is married before 18 years of age, the benefits are forfeited.
4. If the beneficiary dies before 18 years, the enrollment is cancelled and the invested amount with interest is taken back by the scheme.
5. If the beneficiary dies after 18 years, the parents are eligible to claim the benefit.
6. The investment or membership certificate cannot be attached under any law for recovery.

Impact of the Scheme

• The scheme has contributed significantly towards improving the child-sex ratio in Haryana.
• It has promoted the value of girl children, reducing discrimination.
• It has encouraged families to invest in the education and future of their daughters.
• By setting the maturity age at 18 years, it helps in preventing early marriages.