The Delhi government has announced the launch of the Delhi Lakhpati Bitiya Yojana, an upgraded welfare initiative aimed at strengthening financial security and ensuring uninterrupted education for girl children from economically weaker families. The scheme will replace the Ladli Scheme introduced in 2008 and is scheduled to come into effect from April 1, 2026. Under the new framework, eligible beneficiaries will receive phased financial assistance from birth until graduation or diploma-level education.
The accumulated amount, invested over time, is expected to grow to more than ₹1 lakh at maturity, reinforcing the government’s stated objective of preventing girls from dropping out of education due to financial constraints.
Key Highlights of Delhi Lakhpati Bitiya Yojana: Benefits, Eligibility and Financial Support Explained
- The Delhi Lakhpati Bitiya Yojana will replace the Ladli Scheme from April 1, 2026.
- The scheme aims to ensure that no girl child discontinues education due to lack of funds.
- Financial assistance of up to ₹56,000 will be provided in phased instalments.
- The accumulated amount is expected to grow to more than ₹1 lakh with interest at maturity.
- Benefits are limited to two eligible girl children per family.
- Financial support is linked to educational milestones from birth to graduation or diploma studies.
- Payments will be transferred directly into Aadhaar-linked bank accounts.
- The application and payment process will be fully digital and transparent.
- The scheme targets girls from families with annual income below ₹1.20 lakh.
- Marriage before the age of 18 will lead to cancellation of benefits.
Why the Ladli Scheme Is Being Replaced
The Ladli Scheme, launched in 2008 by the Department of Women and Child Development, was designed to encourage girls’ education through staged financial assistance linked to school enrolment and progression. However, the Delhi government stated that several maturity accounts under the earlier scheme remained unclaimed due to implementation gaps.
Also Read: Top Government Schemes for Women Empowerment in India (2026): Benefits, Eligibility & How to Apply
According to official figures, more than 1.86 lakh maturity accounts were found unclaimed. The government initiated steps to address this issue, identifying 30,000 beneficiaries and disbursing ₹90 crore in pending payments. Another 41,000 beneficiaries have been identified, and ₹100 crore is expected to be released shortly.
In total, ₹190 crore belonging to beneficiaries is being processed for distribution. The new Lakhpati Bitiya Scheme has been designed to address these issues through digital tracking, Aadhaar-linked transfers and extended education coverage.
Financial Assistance Structure Under Delhi Lakhpati Bitiya Yojana
The scheme provides financial assistance in instalments linked to important educational milestones, ensuring continuous support throughout a girl’s academic journey.
| Stage of Education or Life | Assistance Amount |
| At Birth | ₹11,000 |
| Admission to Class I | ₹5,000 |
| Admission to Class VI | ₹5,000 |
| Admission to Class IX | ₹5,000 |
| Passing Class X | ₹5,000 |
| Admission to Class XII | ₹5,000 |
| Graduation or Diploma Completion | ₹20,000 (in phases) |
| Total Base Investment | ₹56,000 |
The deposited amount will be invested through a structured financial instrument and released directly into the beneficiary’s Aadhaar-linked bank account upon maturity. The maturity amount can be claimed after passing Class XII and attaining 18 years of age, or after completing graduation or a diploma and attaining 21 years of age.
Eligibility Criteria and Conditions for Beneficiaries
The eligibility criteria under the Delhi Lakhpati Bitiya Yojana have been revised to expand coverage while maintaining targeted support for economically weaker families.
- The girl child must be born in Delhi.
- The family must have been residing in Delhi for at least three years.
- Annual family income must not exceed ₹1.20 lakh.
- Benefits are limited to two surviving girl children per family.
- Education must be pursued in recognised institutions.
- Mandatory vaccination and regular schooling are required.
- If the girl is married before the age of 18, the benefit will be cancelled.
Registration can be completed within one year of birth or later at stages such as admission to Class I, VI, IX, XI, or at the time of admission to a recognised graduation or diploma course.
Expansion to Higher Education and Digital Implementation
A key feature of the Delhi Lakhpati Bitiya Yojana is the extension of financial support beyond school education. Girls pursuing graduation or professional diploma courses in government-recognised institutions anywhere in India, including UGC-affiliated colleges and universities, will be eligible under the scheme.
The government has also relaxed conditions for girls living in government-supported child care institutions to ensure wider inclusion of vulnerable beneficiaries. Officials have stated that the entire process, from application to payment, will be managed through a digital platform to ensure transparency and timely delivery of benefits. The estimated initial cost of implementing the upgraded scheme is around ₹160 crore.
Spiritual Perspective: Understanding the Value of Education Through the Unique Knowledge of Saint Rampal Ji Maharaj Ji
From a spiritual perspective, social welfare initiatives that promote education and security for future generations reflect the broader responsibility of society toward human development. The teachings of Saint Rampal Ji Maharaj emphasise that true progress comes when knowledge, moral values and awareness grow together.
According to his spiritual discourses, education should not only lead to financial stability but also help individuals understand the purpose of human life and live with righteousness, compassion and responsibility. Such teachings highlight that empowering daughters through education strengthens families and society, aligning material progress with spiritual understanding and ethical living.
Strengthening Educational Security and Financial Support for Girls in Delhi
The Delhi Lakhpati Bitiya Yojana reflects the government’s stated intention to combine social welfare with education-linked incentives so that financial challenges do not interrupt a girl’s education. By increasing financial assistance from ₹36,000 under the earlier Ladli Scheme to ₹56,000 and extending support until graduation, the initiative aims to create a long-term savings corpus that matures as beneficiaries complete key educational milestones.
With digital monitoring, Aadhaar-linked transfers and expanded eligibility for higher education, the scheme seeks to improve access to education, promote financial inclusion and ensure that eligible beneficiaries receive their benefits in a timely and transparent manner.
FAQs on Delhi Lakhpati Bitiya Yojana
Q1. What is the Delhi Lakhpati Bitiya Yojana?
The Delhi Lakhpati Bitiya Yojana is a government scheme providing phased financial assistance to girls from birth till graduation, aiming to support education and create a maturity amount exceeding ₹1 lakh.
Q2. Who is eligible for the Delhi Lakhpati Bitiya Yojana?
Girls born in Delhi, belonging to families residing for at least three years with annual income below ₹1.20 lakh, are eligible. Benefits are limited to two girl children per family.
Q3. How much financial benefit is provided under the scheme?
The government provides up to ₹56,000 in instalments linked to education milestones, which grows with interest and becomes more than ₹1 lakh at maturity.
Q4. When can beneficiaries claim the maturity amount?
The maturity amount can be claimed after passing Class XII at age 18 or after completing graduation or diploma studies at age 21, subject to eligibility conditions.
Q5. What conditions can lead to cancellation of benefits?
Benefits may be cancelled if the beneficiary marries before 18, fails to meet education milestones, or does not comply with eligibility and scheme conditions.
