Delhi Lakhpati Bitiya Yojana

The Delhi Government has launched the Lakhpati Bitiya Yojana to provide long-term financial security to girl children across the state. Under this scheme, the government invests a structured amount at different educational stages in the name of each eligible girl, starting from her birth and continuing through higher education. The total investment under the scheme goes up to Rs. 56,000/-, which grows to approximately Rs. 1,25,000/- by the time of maturity. Read the complete article to know about the benefits, eligibility, required documents, and how to apply online.

Introduction of Delhi Lakhpati Bitiya Yojana: A Brief Insight

Delhi Chief Minister Smt. Rekha Gupta officially launched the Lakhpati Bitiya Yojana (लखपति बिटिया योजना) on 2nd March 2026 in the presence of the President of India, Smt. Droupadi Murmu. The scheme came into full effect from 1st April 2026, as notified in the Delhi Gazette on 31st March 2026. The Department of Women and Child Development of the Delhi Government is responsible for the overall execution and supervision of this scheme.

The Lakhpati Bitiya Yojana replaces the earlier Ladli Yojana, which had been running since 2008. The new scheme introduces a revised and upgraded investment structure with significantly higher maturity benefits. Unlike the previous scheme, the Lakhpati Bitiya Yojana extends financial support all the way through graduation and professional diploma courses, making it more comprehensive and future-oriented.

Think of this scheme as the government opening a savings account in your daughter’s name the day she is born and adding money to it every time she moves to a new class or starts a new course. The government deposits the money with SBI Life Insurance, where it grows over time. By the time the girl completes her graduation and turns 21, she receives approximately Rs. 1,25,000/- directly in her Aadhaar-linked bank account. This money can help her pursue higher studies, start a career, or meet any other important life goal.

The scheme limits benefits to two girl children per family, and only families with an annual income of up to Rs. 1,20,000/- are eligible. The girl must be born in Delhi, and the family must be a bona fide resident of Delhi for at least three years before applying. Girls studying in government, MCD, NDMC, or government-recognised schools in Delhi can apply under this scheme.

One important feature is that existing beneficiaries of the Ladli Scheme will also benefit from automatically becoming eligible for the higher education milestones under this new scheme, provided they remain unmarried till the age of 18 years. Applications are accepted online only through the dedicated SBI Life Portal. Parents or guardians must submit the application within one year of the girl’s birth or within 90 days of her admission at each subsequent milestone.

The Complete List of Delhi Government Schemes can be checked here.

How Lakhpati Bitiya Yojana is Different from the Earlier Ladli Yojana

• The Lakhpati Bitiya Yojana replaces the Ladli Scheme, which had been in operation since 2008.
• The total investment under the new scheme is higher than the previous scheme.
• The new scheme extends support up to graduation and professional diploma courses, which was not available earlier.
• The maturity benefit has increased to approximately Rs. 1,25,000/-, compared to the lower payout under the old scheme.
• Existing Ladli Yojana beneficiaries will automatically receive the higher education milestones under this scheme without re-registering.

Benefits Provided to Eligible Beneficiaries

Delhi Government under its Lakhpati Bitiya Yojana will provide the following benefits to all eligible girl beneficiaries from her birth till she completes her higher education :

• The Delhi Government invests a total of Rs. 56,000/- in the name of each eligible girl beneficiary.
• The investment is deposited in multiple stages linked to the girl’s educational milestones, from birth to graduation.
• The funds are managed by SBI Life Insurance to ensure safe growth.
• After maturity, the beneficiary receives approximately Rs. 1,25,000/- directly in her Aadhaar-linked bank account.
• The scheme covers school-level support, higher education support, diploma courses, and graduation programmes.
• Up to two girl children from a single family can receive benefits under this scheme.

Stage-wise Financial Assistance Structure of Lakhpati Bitiya Yojana

• The Delhi Government deposits the financial assistance with SBI Life Insurance in the following stages for each eligible girl beneficiary:
  

  Milestone	Stage of Assistance	Amount Deposited	Redeemable At
  B	At the Time of Birth	Rs. 11,000/-	Age 18 / 21
  O	Admission in Class 1	Rs. 5,000/-	Age 18 / 21
  S	Admission in Class 6	Rs. 5,000/-	Age 18 / 21
  N	Admission in Class 9	Rs. 5,000/-	Age 18 / 21
  t	Admission in Class 11 OR Polytechnic/ITI after Class 10	Rs. 5,000/-	Age 18 / 21
  T	Admission in Class 12	Rs. 5,000/-	Age 18 / 21
  Higher Education
  D	1-Year Professional Diploma	Rs. 10,000/-	Age 21 + Course Completion
  d1, d2	2-Year Professional Diploma	Rs. 20,000/- (Rs. 10,000 per year)	Age 21 + Course Completion
  D1–D3	3-Year Professional Diploma	Rs. 20,000/- (Rs. 5,000 + Rs. 5,000 + Rs. 10,000)	Age 21 + Course Completion
  G1–G3	3-Year Graduation	Rs. 20,000/- (Rs. 5,000 + Rs. 5,000 + Rs. 10,000)	Age 21 + Course Completion
  H1–H4	4-Year Graduation	Rs. 25,000/- (Rs. 5,000 + Rs. 5,000 + Rs. 5,000 + Rs. 10,000)	Age 21 + Course Completion

Eligibility Conditions Required to be Fulfilled

Financial Assistance of more than Rs. 1 lakh at the time of maturity will be provided by the Delhi Government to only those beneficiaries who fulfil the below-mentioned eligibility criteria of Lakhpati Bitiya Yojana :

• The girl child must be born in Delhi, as confirmed by a Birth Certificate issued by the Registrar (Births and Deaths), National Capital Territory of Delhi.
• The family must be a bona fide resident of Delhi for at least three years before the date of application.
• The annual family income must not exceed Rs. 1,20,000/- per year.
• A maximum of two girl children from a single family can avail the benefits.
• The girl must be currently studying in a Government, MCD, NDMC, or government-recognised school in Delhi.
• The girl must have completed all mandatory immunisations as per the government’s prescribed schedule.
• For higher education milestones, the girl must be pursuing a diploma or graduation from a government-recognised university, college, or institution anywhere in India.
• The girl must remain unmarried until she attains the age of 18 years.
• Existing beneficiaries of the Ladli Scheme are also eligible for higher education milestones under this new scheme, provided they remain unmarried till 18 years of age.

Special Provision for Girls in Child Care Institutions (CCIs)

• Girls residing in government-run and licensed Child Care Institutions (CCIs) in Delhi, where the State acts as the guardian, are also eligible under this scheme.
• The incharge of the CCI will act as the guardian of the girl child for the purpose of this scheme.
• For such girls, the conditions of three years of Delhi residence, family income limit, and Delhi birth requirement will be exempted.
• The Aadhaar card of the girl child and the Aadhaar card of the CCI in charge will be considered as the required documents.
• This provision applies only to long-term residents of the CCI who are currently attending school.

Eligibility Conditions for Receiving the Maturity Amount

• School-level benefits can be withdrawn only after the girl passes Class 12 and attains the age of 18 years.
• Diploma and graduation benefits can be withdrawn only after completing the course and attaining the age of 21 years.
• The girl must remain unmarried throughout the scheme period to qualify for the maturity amount.
• The maturity amount will be transferred directly to the Aadhaar-linked bank account of the beneficiary.

When Will the Benefit Be Cancelled?

• If the girl gets married before the age of 18 years, she will immediately lose eligibility, and the accumulated amount will be returned to the government.
• If the required immunisation records are not submitted, the application will be rejected and the amount will be returned to the government.
• If the beneficiary does not renew any subsequent milestone after initial enrolment until she attains the age of 21/ 25 years, she will lose all benefits and the entire accumulated amount, including interest, will be returned to the government.
• The financial assistance is non-transferable and non-refundable. No loan or credit facility can be taken against this amount, and pre-mature encashment is not permitted.
• In case of the death of the beneficiary, the accumulated fund value up to the date of death will be returned to the government.

Documents Required to be Attached

The documents that are required at the time of availing the benefits provided by the Delhi Government under its Lakhpati Bitiya Yojana are mentioned below :

• Residence Proof. (Ration Card / Voter ID / any valid proof of 3 years residence)
• Birth Certificate of the Girl Child.
• Joint Photograph of Parents and Child.
• Self Declaration of Income and Marital Status.
• School Admission Certificate / Bonafide Certificate.
• Immunisation Certificate.
• For girls studying in private schools in Delhi, a certificate from the School Principal, duly countersigned by the District Education Officer of the concerned area.

How Beneficiaries Can Apply to Avail the Benefit of this Scheme

The Delhi Government has made the entire application process online only. There is no offline mode available for this scheme. The government has launched a dedicated portal named “SBI Life Delhi Lakhpati Bitiya Scheme” in collaboration with SBI Life Insurance, and all applications must be submitted through this portal at delhilakhpatibitiyawcd.sbilife.co.in. Parents or guardians must apply within one year of the girl’s birth or within 90 days of her admission at each subsequent milestone stage.

To begin, open the portal on your phone or computer. If you are a new user, click on the “Sign Up for Parents/ Guardians” tab and complete the registration using your mobile number. Please note that existing beneficiaries of the Delhi Ladli Scheme do not need to register again they can directly log in using their registered mobile number and claim the higher education milestones.

After logging in, the scheme dashboard will appear on your screen. Click on “New Registration” and follow the steps shown on the screen. The system will ask you to verify your Aadhaar number. Once the Aadhaar authentication is complete, the application form for the Lakhpati Bitiya Yojana will open in front of you. Fill in all the required personal details carefully, including the girl child’s name, date of birth, address, school details, and bank account information.

Next, upload all the required documents as listed above. Make sure the scanned copies are clear and readable. After uploading, review all the details once and then click on Submit. Once the application is submitted successfully, you will receive a confirmation SMS on your registered mobile number. The District Women and Child Development Officer will then verify the application and approve it.

At each subsequent educational milestone, parents or guardians must renew the application through the same portal to continue receiving the scheme benefits. Failure to renew at any stage may result in loss of future benefits.

Important Links Available

• Delhi Lakhpati Bitiya Yojana Online Registration Portal.
• Delhi Lakhpati Bitiya Yojana Applicant Login.
• Official Website of the Department of Women and Child Development, Delhi.

Contact Details in Case of Help Needed

• Contact Number of Department of Women and Child Development Delhi :-
  • 011 23070378.
  • 011 23380513.
• SBI Life Insurance Company Limited Helpline Number :- 1800229090.
• Delhi’s Department of Women and Child Development Helpdesk Email :- wcd@nic.in.

Frequently Asked Questions (FAQs)

Q. What is the Lakhpati Bitiya Yojana?
Ans. The Delhi Government’s Lakhpati Bitiya Yojana is a long-term financial security scheme launched by the Delhi Government for girl children. Under this scheme, the government invests Rs. 56,000/- in stages from birth to higher education. The amount grows with SBI Life Insurance and the beneficiary receives approximately Rs. 1,25,000/- at maturity.

Q. Who launched the Lakhpati Bitiya Yojana and when?
Ans. Delhi Chief Minister Smt. Rekha Gupta launched the scheme on 2nd March 2026 in the presence of President Smt. Droupadi Murmu. The scheme officially came into effect from 1st April 2026.

Q. What is the total investment under this scheme?
Ans. The Delhi Government invests up to Rs. 56,000/- in the name of each eligible girl in multiple stages. This amount grows over time, and the beneficiary receives approximately Rs. 1,25,000/- at maturity depending on the course she completes.

Q. What is the income limit to apply for this scheme?
Ans. The annual family income must not exceed Rs. 1,20,000/-. If the family income exceeds this limit, the girl child will not be eligible for the scheme.

Q. Can two daughters from the same family get benefits?
Ans. Yes. Up to two girl children from a single family can receive benefits under the Lakhpati Bitiya Yojana. A third girl child from the same family will not be eligible.

Q. Does the girl need to be born in Delhi?
Ans. Yes. The girl child must be born in Delhi, as confirmed by a Birth Certificate issued by the Registrar (Births and Deaths) of the National Capital Territory of Delhi. However, girls residing in government-run Child Care Institutions (CCIs) in Delhi are exempted from this condition.

Q. What happens if the girl gets married before 18 years of age?
Ans. If the beneficiary gets married before turning 18, she will immediately lose eligibility. All future milestone benefits will stop, and the accumulated amount will be returned to the government.

Q. When can the maturity amount be withdrawn?
Ans. School-level benefits can be withdrawn after passing Class 12 and completing 18 years of age. Diploma and graduation benefits can be withdrawn after completing the course and turning 21 years of age. The amount is transferred directly into the Aadhaar-linked bank account of the beneficiary.

Q. How to apply for Delhi Lakhpati Bitiya Yojana?
Ans. Applications must be submitted online through the official portal at delhilakhpatibitiyawcd.sbilife.co.in. There is no offline application mode available. Parents or guardians must register, verify Aadhaar, fill in the application form, and upload the required documents on the portal.

Q. Can existing Delhi Ladli Scheme beneficiaries apply?
Ans. Yes. Existing beneficiaries of the Delhi Ladli Scheme do not need to register again. They automatically become eligible for higher education milestones under the Lakhpati Bitiya Yojana, provided they remain unmarried till the age of 18 years.

Q. Is immunization mandatory for this scheme?
Ans. Yes. The girl child must have completed all mandatory immunisations as prescribed by the government. Failure to submit a valid immunization certificate will result in rejection of the application.

Q. What is the deadline to submit the application?
Ans. Parents or guardians must apply within one year of the girl’s birth for the birth milestone. For subsequent milestones, the application must be submitted within 90 days of the girl’s admission at each stage. The District W&CD Officer can relax this deadline in individual cases on merit.

Q. Who manages the invested funds under this scheme?
Ans. The Delhi Government deposits the stage-wise investment amount with SBI Life Insurance, which manages the funds and ensures their growth until the beneficiary reaches maturity age.

Q. What happens if a milestone renewal is missed?
Ans. If a beneficiary misses a milestone renewal, she can still claim it at the time of any other upcoming milestone renewal. However, if she does not renew any milestone at all after initial enrolment until the age of 21/25 years, the entire accumulated amount including interest will be taken back by the government.

Q. Where can grievances be raised under this scheme?
Ans. In case of any grievance, the applicant can appeal to the Director, Department of Women and Child Development, Delhi. The decision of the Director will be final.

Tabassum

Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.