Ladli Pension: Empowering Girls with Financial Security

OkBima 18 Apr 2023
Ladli Pension: Empowering Girls with Financial Security

 

The Haryana government developed a particular pension scheme, the Ladli Pension scheme to improve society's thinking in response to how the female child is regarded in the community. In addition to eradicating female foeticide, the program seeks to transform how people view girl children.

The program provides all Haryana residents with a second girl child born after August 20, 2005, with a five-year financial incentive of Rs. 5,000 yearly. There has been an increasingly pressing need to recognize that the role of the girl kid within a family needs to be enhanced and, later, preserved, given the rise in female gender-based violence in the nation.

Since Punjab and Haryana have the highest rates, their governments have prioritized encouraging a shift in the populace's thinking. The Ladli Program was launched across Haryana's rural and urban areas to accomplish the goal.

Ladli Scheme's Objectives

The Ladli scheme aims to elevate the prominence of the girl kid within the family and Indian society at large. The Haryana government established the Ladli Scheme in 2005 to prevent female genital mutilation, promote good girl-child upbringing, and guarantee their right to life and birth. It also aims to boost the proportion of girls in households and reverse the trend of diminishing female sex ratios.

Qualification Standards for the Program

The program is open to all Haryana residents. However, it is primarily intended for the state's female population in either urban or rural areas. Since the state-set eligibility requirements guarantee that most girls benefit from the program, the system accomplishes its goals.

  • To be eligible for the financial incentives provided by the Haryana government through the Ladli plan, all parents must reside in or have their domicile in Haryana. At a minimum, one living sister must also be part of the family, and at minimum, one parent must reside with the girl offspring in Haryana.

  • Both female babies should have their births documented, and their parents should ensure they were adequately immunized; proof of this should be provided upon collecting each payment.

  • In addition, the family must have at least one sister who is still alive, and at minimum, one parent must live with the girl babies in Haryana.

  • The two girls should be registered in a class or an Anganwadi, depending on their ages.

  • In the household, there ought to be two female offspring.

  • The subsequent girl child must be born after August 20, 2005, to qualify for the program.

  • The expecting mother needs to register with the nearby Anganwadi Center.

  • It is essential to register the delivery of the girl kid properly.

  • The nearby Anganwadi Center must enrol the girl child.

  • When obtaining the reimbursement under the plan, the girl child must be appropriately inoculated following the state's standards, and immunization records must be provided if necessary.

Ladli Scheme's History

The Ladli Program is a welfare program started by the Haryana government to assist women in the state, especially those from disadvantaged social groups.

It started to reduce the number of female infanticide cases, which has increased significantly in Haryana state.

The program was created for the welfare of female kids in Haryana's rural and urban areas. The Ministry of Women and Child Development of the Haryana State Government launched the Ladli Scheme. The program was created exclusively for parents with two girl kids in their home as a financial incentive to encourage the delivery of female kids and guarantee that they receive a solid education.

Families with a second girl kid born after August 20, 2005, are eligible for the program, which went into force in 2005. The Ladli Program was launched in 2005 by the Ministry of Women and Child Development of the Haryana State Government to assist women from the less fortunate sectors. 

Eventually, the program was also made available in Rajasthan, Maharashtra, Jammu & Kashmir, and the nation's capital, Delhi. The scheme's primary goals were to increase the birth of girls and even out the sexes in the states mentioned above.

How Do You Apply to the Ladli Scheme?

An offline registration form is used for the Ladli Scheme. As a result, the applicants must personally deliver their applications to the designated locations or agencies. The organizations or locations where applicants can submit their Ladli Scheme applications are listed below.

  • Anganwadi Centers 

  • Project Officers for Child Development in Urban and Rural Regions

  • Life Insurance Bureaux

With the help of the Anganwadi staff or the health personnel from rural or urban regions, the Ladli Scheme application form can be completed.

The application form must be completed and submitted with the required paperwork after being obtained from the above sources. The application will be finished after this. The applicant will receive an identification Number in the name of the female kid after completing the application. After the application has been approved and the girl child has been verified, the funds will be paid to the unique id.

The applicant will need to create a zero-balance bank account where the financial incentive provided by the program will be remitted in support of the eligible girl's baby to qualify.

The eligible girl kid must be older than 18 to be eligible to receive benefits under the Haryana government's Ladli Program. The applicants must complete the Ladli Scheme claim form to get compensation. This claim form must include the applicant's permanent address and the necessary paperwork.

Necessary Documents to be Submitted

Ladli Scheme documents are relatively simple KYC documents demonstrating the girl child's eligibility. The supporting documentation must be supplied with the application form to ensure the female child receives the advantages the scheme offers. The following is a list of the documents that must be presented to participate in the Ladli Scheme.

  • Completed Ladli Scheme Identity Application Form evidence that the girl's parents or legal guardians are present (Passport, Aadhaar Card, Driving License, Voter Id Card, etc.)

  • A copy of the girl's legal guardian's or parents' address (Voter Card, Aadhaar Card, PAN Card, Utility Bills, etc.)

  • BPL Card and the Parents' Domicile Certificate

  • Parents' Income Certificate

  • Certificate of Birth for the Girl

  • A copy of the parents' caste certificate

  • Girl child's most recent passport-size photos

  • Details of the Mother's Bank Account. Please provide a copy of the first page of this bank account's passbook.

According to the plan's rules, these documents must be provided in tangible form. If the paperwork is not in order, the competent authority may reject the application, and the girl child will not receive benefits under the program. The competent authority reserves the right to request additional paperwork from applicants in addition to the ones listed above.

Where Do You Apply For The Ladli Scheme?

The Ladli scheme has an offline application process. The state government has selected authorized centers where applications may be submitted, but applicants must be present in person. Child Development workplaces and life insurance agencies typically have these forms on hand.

How to Make a Claim in the Ladli Scheme

After completing grade 10 and turning 18 years old, or after completing grade 12, the females enrolled in the Ladli plan can claim the maturation of their plan. 

  • In addition to the application, the following documents must be submitted by female students.

    • Residence Address 

    • Marksheet for the 10th or 12th Grade 

    • Recognition Letter from SBIL

    • A mobile or landline number

  • A duplicate of the bank statement showing the account number

  • The recipient must create a Zero Balance Savings Account at the State Bank of India. This can be accomplished by displaying the letter of recognition you received from the bank.

  • The funds will be sent to a Unique Identification number in the moniker of the recipient girl following the validation of these documents.

The Ladli Scheme's Financial Incentives

No matter their class, region, religion, wealth, or the number of sons, all residential parents in Haryana will be given a financial motivation of Rs. 5,000 per year up to five years and whose second girl was born in or after August 20, 2005, under this program. The parent and the second girl kid would invest this sum in Kisan Vikas Patras.

If you have twin daughters, the first payment will be made within the first weeks after the second girl is born. The remaining payments will be made yearly on the second daughter's birthday. But, if one or both daughters pass away, the incentive will end immediately.

Conclusion

The main goal of the scheme's creation was to increase understanding and acceptance of the arrival of a girl baby. The delivery of a girl baby has always been viewed as a negative omen or as a lousy fortune for the family because Haryana society has historically been a male-dominated community. 

The State Government introduced the Ladli program to combat the stigma associated with the birth of a girl child. Increasing the gender balance in the Haryana region and giving all of the state's females access to quality education were two other program goals.

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