Bhagyalakshmi Scheme 2026: Maturity Amount, Dates and Status

By Dr. Shrawan Kumar Pathak

Under the Bhagyalakshmi scheme, the first girl child gets about Rs 1,00,097 when she turns 18. The second girl child gets about Rs 1,00,052. The state makes a one-time deposit at birth. The girl claims the matured amount at age 18. This is a Karnataka scheme. It is run by the Women and Child Development department.

The deposit at birth is small. It is Rs 19,300 for the first girl and Rs 18,350 for the second girl. The money grows with interest over 18 years. That is how it reaches about Rs 1 lakh at maturity.

If you want help filing an RTI to track a stuck Bhagyalakshmi payment, RTI Wiki Help with a subscription can guide you step by step .

Here is the core money table. These are the figures from the scheme's design.

The maturity amount is paid once. The girl gets it after she turns 18. The exact amount can change a little. It depends on interest rates over the years.

The scheme also pays small yearly study help during school. Reported amounts rise with the class. They are about Rs 300 in the early classes and up to about Rs 1,000 in Class 9 and 10. There is also reported insurance cover and help for the family in case of death or disability. Always confirm the current slab with your Child Development Project Officer (CDPO).

Bhagyalakshmi is a long scheme. The money waits for 18 years. A few dates matter the most.

Miss the one-year window and the girl may not get the benefit. So register early. The single most common reason for rejection is late registration.

The scheme started in 2006. In the early years the deposit was placed with LIC. In October 2020 the Karnataka cabinet approved a switch. The deposit now goes to the post office Sukanya Samriddhi account instead of LIC. The reason given was that the post office gives more interest.

So the maturity figures of Rs 1,00,097 and Rs 1,00,052 come from the original LIC design. If your girl child was enrolled after the switch, the final amount may differ a little. The deposit amount at birth stays the same.

You must meet all the points below. This is a BPL-only scheme.

To claim the matured amount at age 18, three more conditions apply:

• The girl must be 18 years old.
• She must have studied at least up to Class 8.
• She must be unmarried at the time of the claim.

If a girl marries before 18, the benefit can be lost. Keep the bond papers safe until she claims.

You can check the application status online.

1. Go to the Karnataka Bhagyalakshmi portal run by the Women and Child Development department.
2. Open the “Query Search” menu.
3. Click “Multi Search”.
4. Enter the girl's name, date of birth and the application or acknowledgement number.
5. The status of the bond will show.

If you cannot find the status online, visit the local Anganwadi centre or the CDPO office. They hold the registers. If the office does not reply, you have the right to file an RTI. An RTI forces the office to give you the status and the bond details in writing.

Many families face delays at the claim stage. The bond is old. The office may not find the file fast.

• Carry the birth certificate, BPL card, school certificate and the original bond.
• Get the bond from the Anganwadi or the post office, based on the year of enrolment.
• If the office delays, file an RTI asking for the bond number and the maturity status.
• Keep copies of every letter and receipt.

The first girl child gets about Rs 1,00,097. The second girl child gets about Rs 1,00,052. The amount is paid once, after she turns 18.

The deposit is Rs 19,300 for the first girl and Rs 18,350 for the second girl. This is a one-time deposit. It grows with interest over 18 years.

Only BPL families in Karnataka. Only the first two girl children. The girl must be born on or after 31 March 2006. You must register within one year of birth.

No. The amount is paid only at age 18. The girl must also have studied up to Class 8 and must be unmarried at the time of the claim.

It started with LIC in 2006. From October 2020 the deposit moved to the post office Sukanya Samriddhi account. The reason was higher interest.

Visit the Anganwadi or CDPO office with your bond and certificates. If they delay, file an RTI to get the bond number and maturity status in writing.

• Sukanya Samriddhi status
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• Kanyashree status
• Sell a minor's property (court permission)
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• The RTI Playbook

• Directorate of Women and Child Development, Karnataka: https://dwcd.karnataka.gov.in
• Karnataka Bhagyalakshmi Scheme details (deposit and maturity figures): https://www.govtschemes.in/karnataka-bhagyalakshmi-scheme
• Bhagyalakshmi scheme scholarship slabs and status check: https://cleartax.in/s/bhagyalakshmi-scheme-karnataka
• Karnataka cabinet switch from LIC to Sukanya Samriddhi (Oct 2020): https://affairscloud.com/karnataka-govt-approves-to-implement-bhagyalakshmi-scheme-through-sukanya-samriddhi-yojana-of-the-postal-department-instead-of-lic/

This guide is for general information. It is not legal or financial advice. RTI Wiki is not a government website and is not linked to the Government of Karnataka. Always confirm the latest figures with the Women and Child Development department.