Indira Gandhi Sukh Suraksha Yojana is a scheme launched by the Government of Himachal Pradesh for girl children born in BPL families on or after 01 April 2026. The Government deposits Rs. 25,000 in the girl child’s name at birth with an insurance company and provides Rs. 2 lakh life insurance cover to each parent separately. The deposited amount is payable when the girl turns 18 or at her choice up to 27 years. Applications are accepted online at himseva.hp.gov.in and offline through the nearest CDPO office.
Himachal Pradesh Indira Gandhi Sukh Suraksha Yojana Highlights | |
|---|---|
| Scheme Name | Indira Gandhi Sukh Suraksha Yojana |
| Replaces | Beti Hai Anmol Yojana |
| Implementing Department | Directorate of Women and Child Development, Government of Himachal Pradesh |
| Applicable For | Girl children born on or after 01 April 2026 |
| Target Beneficiaries | First two girl children born in BPL families of Himachal Pradesh |
| Main Objective | Provide financial corpus and life insurance protection to girl children and their parents in BPL families |
| Deposit at Birth | Rs. 25,000 in the girl child’s name with an insurance company (LIC or Insurance Act 1938 registered company) |
| Maturity Age | 18 years (extendable at the girl’s discretion up to 27 years) |
| Life Insurance for Mother | Rs. 2 lakh group term life insurance cover |
| Life Insurance for Father | Rs. 2 lakh group term life insurance cover |
| Total Family Insurance Cover | Rs. 4 lakh (Rs. 2 lakh each for both parents separately) |
| Insurance Validity | Until the girl attains 18 or 27 years of age, as applicable |
| Maximum Girls Per Family | Two girl children only |
| Income Category | Below Poverty Line (BPL) as per State Government norms |
| Residence Requirement | Permanent resident of Himachal Pradesh |
| Marriage Condition | A girl child must not marry before 18 years of age |
| Application Mode | Online through the HimSeva portal and offline through the nearest CDPO office |
| Phone | 0177-3525101 / 0177-3525102 |
| Online Application | himseva.hp.gov.in |
| Department Portal | himachal.nic.in/wcd |
Introduction of Himachal Pradesh Indira Gandhi Sukh Suraksha Yojana: A Brief Insight
In many low-income families across Himachal Pradesh, the birth of a girl child is still seen as a financial burden. Parents worry about education costs, living expenses, and the family’s future if something were to happen to them. The Government of Himachal Pradesh introduced the Indira Gandhi Sukh Suraksha Yojana to directly address these concerns by securing the girl child’s financial future from the very day she is born and protecting her parents’ lives through insurance coverage.
The Directorate of Women and Child Development, Government of Himachal Pradesh, implements the scheme. It replaces the earlier Beti Hai Anmol Yojana with significantly enhanced benefits. The scheme applies to girl children born on or after 01 April 2026. Under the scheme, the Government deposits Rs. 25,000 in the name of the girl child with an insurance company such as LIC at the time of birth. This corpus, along with accrued benefits, becomes payable when the girl turns 18 years. The girl can also choose to defer receiving the amount up to 27 years of age.
Additionally, both parents receive a group term life insurance cover of Rs. 2 lakh each separately, providing a total family insurance protection of Rs. 4 lakh. This ensures the girl’s future remains secured even in the unfortunate event of a parent’s death. The scheme covers a maximum of two girl children per BPL family. The girl child must not marry before the age of 18 years to continue receiving benefits.
Eligibility is straightforward; the family must belong to the Below Poverty Line (BPL) category and be a permanent resident of Himachal Pradesh. The girl must be the first or second daughter in the family. Applications are accepted both online through the HimSeva portal and offline through the nearest Child Development Project Officer (CDPO) office using the official application form issued by the Directorate of Women and Child Development.
BPL families who also have children needing monthly financial and educational support can explore the Mukhyamantri Sukh Shiksha Yojana, which provides Rs. 1,000 per month to children of widows, divorced women, abandoned women, and disabled parents, along with free higher education, including course fee, hostel fee, and mess charges at Government institutions.
Women in the family aged 18 to 59 years can additionally check their eligibility under the Indira Gandhi Pyari Behna Sukh Samman Nidhi Yojana which provides Rs. 1,500 per month direct financial assistance to eligible women of Himachal Pradesh.
BPL families, parents of girl children, women welfare organisations, and anyone looking for more girl child welfare schemes, women empowerment programmes, financial assistance initiatives, and social security schemes in Himachal Pradesh can also explore other available programmes under our Himachal Pradesh Government Welfare Schemes List section.
Benefits Provided to Eligible Beneficiaries
Indira Gandhi Sukh Suraksha Yojana provides a financial corpus and life insurance protection to eligible girl children and their parents in BPL families across Himachal Pradesh.
Financial Deposit for Girl Child
- Government deposits Rs. 25,000 with an insurance company (LIC or any company registered under the Insurance Act 1938) in the name of the girl child at the time of her birth
- The deposited corpus of Rs. 25,000, along with accrued benefits, becomes payable to the girl when she attains 18 years of age
- The girl has the discretion to defer receiving the maturity amount up to 27 years of age
- Maximum two girl children per BPL family are eligible for this benefit
Life Insurance Cover for Parents
- Parents or legal guardians of the eligible girl child receive a group term life insurance cover of Rs. 2 lakh per parent under an insurance company
- Both mother and father receive Rs. 2 lakh each separately – total of Rs. 4 lakh life insurance cover per family
- Insurance cover remains valid until the girl attains the age of 18 years or 27 years as applicable
- This ensures the girl child’s future remains financially protected even in the event of a parent’s death
Social and Developmental Benefits
- The scheme encourages BPL families to welcome girl children by removing the economic prejudice against girl births
- Financial security corpus motivates families to ensure the girl completes her education and becomes self-reliant
- Life insurance cover for parents ensures continuity of the girl’s education and welfare even after the loss of a parent
- The scheme contributes to improving the child sex ratio in Himachal Pradesh, which rose from 947 in 2023 to 964 in 2024
Indira Gandhi Sukh Suraksha Yojana vs Beti Hai Anmol Yojana
Indira Gandhi Sukh Suraksha Yojana replaces the earlier Beti Hai Anmol Yojana with significantly enhanced financial security benefits for girl children born in BPL families of Himachal Pradesh.
| Feature | Beti Hai Anmol Yojana | Indira Gandhi Sukh Suraksha Yojana |
|---|---|---|
| Launch Year | 2010 | Applicable from 01 April 2026 |
| Deposit at Birth | Rs. 10,000 | Rs. 25,000 |
| Life Insurance for Parents | Not available | Rs. 2 lakh each for mother and father separately (total Rs. 4 lakh) |
| Annual Scholarship | Available for education from Class 1 to 12 | Not specified separately |
| Maturity Age | 18 years | 18 years (extendable up to 27 years at the girl’s discretion) |
| Target Beneficiaries | First two girl children of BPL families | First two girl children of BPL families |
| Income Category | Below Poverty Line (BPL) | Below Poverty Line (BPL) |
| Marriage Condition | A girl must not marry before 18 years | A girl must not marry before 18 years |
| Parental Protection | No insurance cover for parents | Rs. 4 lakh total life insurance cover for both parents |
| Current Status | Replaced by Indira Gandhi Sukh Suraksha Yojana | Active from 01 April 2026 |
Families who were beneficiaries under Beti Hai Anmol Yojana before 01 April 2026 must contact the nearest CDPO office or visit himachal.nic.in/wcd for guidance on transition to the new scheme.
Eligibility Conditions Required to be Fulfilled
The following eligibility conditions apply to families seeking benefits under Indira Gandhi Sukh Suraksha Yojana as per the official scheme guidelines issued by the Department of Women and Child Development, Government of Himachal Pradesh.
Eligibility for Families
- Family must belong to the Below Poverty Line (BPL) category as per State Government norms
- Family must be a permanent resident of Himachal Pradesh
- The scheme is applicable for the first two girl children born in the BPL family only
- Parents or legal guardians must not have already availed of this scheme for their two daughters previously
Eligibility for Girl Child
- A girl child must be born on or after 01 April 2026 or from the date notified by the State Government
- The girl child must be the first or second daughter in the BPL family
- A girl child should not marry before attaining the age of 18 years, as per the relevant law
Who Is Not Eligible
- Families who do not belong to the BPL category
- Families who are not permanent residents of Himachal Pradesh
- Third or subsequent girl children born in the family
- Girl children born before 01 April 2026
- Families who have already availed the scheme for two daughters
- A girl child who marries before attaining 18 years of age
Documents Required to be Attached
The following documents are required for availing benefits under Indira Gandhi Sukh Suraksha Yojana. Applications are processed through the Directorate of Women and Child Development, Government of Himachal Pradesh.
- Bonafide Himachali Certificate confirming domicile of Himachal Pradesh
- BPL Certificate confirming the family belongs to the Below Poverty Line category as per State Government norms
- Birth Certificate of the girl child
- Aadhaar Card of parents or legal guardians
- Proof confirming the girl child is the first or second daughter in the family
- Bank account details of the girl child or parents for corpus deposit and insurance linkage
- Passport size photograph of the girl child and parents
- Mobile number linked with Aadhaar
A detailed official document checklist will be provided by the Directorate of Women and Child Development, Government of Himachal Pradesh. Applicants must verify final requirements through the official HimSeva portal or the nearest Anganwadi or CDPO office.
How Beneficiaries Can Apply to Avail the Benefit of this Scheme
Indira Gandhi Sukh Suraksha Yojana applications are accepted both online through the official HimSeva portal and offline through the nearest Child Development Project Officer (CDPO) office. The scheme is administered by the Directorate of Women and Child Development, Government of Himachal Pradesh.
Online Application Process
Step 1: Visit the official HimSeva portal at himseva.hp.gov.in and register or log in using your Aadhaar-linked mobile number and OTP.
Step 2: Search for Indira Gandhi Sukh Suraksha Yojana in the available citizen services section and click on Apply.
Step 3: Fill in the complete application form with all required details, including family information, BPL status, girl child birth details, parents’ Aadhaar details, and bank account information.
Step 4: Upload all required documents, including BPL Certificate, Bonafide Himachali Certificate, Birth Certificate of the girl child, Aadhaar Card of parents, and bank account details.
Step 5: Review all filled details carefully and submit the application. Note the application reference number for future status tracking.
Step 6: After submission, the concerned CDPO verifies the application and forwards it to the District Programme Officer for approval. After approval, the government deposits Rs. 25,000 in the name of the girl child with the insurance company and activates the Rs. 2 lakh life insurance cover for both parents.
Offline Application Process
Step 1: Visit the nearest Child Development Project Officer (CDPO) office in your area and collect the official application form of Indira Gandhi Sukh Suraksha Yojana issued by the Directorate of Women and Child Development, Government of Himachal Pradesh.
Step 2: Fill the application form carefully with all required personal, family, BPL status, girl child birth details, parents’ Aadhaar details, and bank account information.
Step 3: Attach all required documents, including BPL Certificate, Bonafide Himachali Certificate, Birth Certificate of the girl child, Aadhaar Card of parents, bank account details, and passport-size photographs.
Step 4: Submit the completed application form along with all documents at the nearest CDPO office. The CDPO verifies the application and documents as per the scheme eligibility conditions.
Step 5: After verification, the CDPO forwards the application to the District Programme Officer for final approval.
Step 6: After approval, the government deposits Rs. 25,000 in the name of the girl child with the insurance company and activates the Rs. 2 lakh life insurance cover for both parents.
Important: The scheme is applicable for girl children born on or after 01 April 2026. Applications must be submitted as early as possible after the birth of the girl child. The girl child must not marry before attaining 18 years of age to continue receiving scheme benefits. For any queries, contact the nearest CDPO office or the Directorate of Women and Child Development at himachal.nic.in/wcd.
Important Links Available
- Online Application for Indira Gandhi Sukh Suraksha Yojana.
- Directorate of Women and Child Development Official Portal.
Contact Details in Case of Help Needed
Families facing issues related to Indira Gandhi Sukh Suraksha Yojana eligibility, application, insurance deposit, or scheme-related queries can contact the following official channels.
- Phone: 0177-3525101 / 0177-3525102
- Directorate of Women and Child Development
Government of Himachal Pradesh
Block No. 33, SDA Complex,
Kasumpti, Shimla 171009,
Himachal Pradesh - For local queries: Contact the nearest Child Development Project Officer (CDPO) office in your area
- For district-level queries: Contact the District Programme Officer of your concerned district
Frequently Asked Questions (FAQs)
Q. What is Indira Gandhi Sukh Suraksha Yojana?
Ans. Indira Gandhi Sukh Suraksha Yojana is a scheme launched by the Government of Himachal Pradesh for girl children born in Below Poverty Line (BPL) families. The scheme deposits Rs. 25,000 in the name of the girl child at birth and provides Rs. 2 lakh life insurance cover to each parent. The scheme replaces the earlier Beti Hai Anmol Yojana with significantly enhanced financial security benefits.
Q. Which scheme does Indira Gandhi Sukh Suraksha Yojana replace?
Ans. Indira Gandhi Sukh Suraksha Yojana replaces the earlier Beti Hai Anmol Yojana. The new scheme provides substantially enhanced benefits, including a Rs. 25,000 deposit at birth and Rs. 2 lakh life insurance cover for each parent compared to the earlier structure of Beti Hai Anmol Yojana.
Q. From which date is this scheme applicable?
Ans. The scheme is applicable for girl children born on or after 01 April 2026 or from the date notified by the State Government. Girl children born before this date are not eligible under the scheme.
Q. How much does the Government deposit for the girl child?
Ans. The Government deposits Rs. 25,000 in the name of the girl child with an insurance company such as LIC or any company registered under the Insurance Act 1938 at the time of her birth.
Q. When does the girl child receive the deposited amount?
Ans. The deposited corpus of Rs. 25,000, along with accrued benefits, becomes payable when the girl attains 18 years of age. However, the girl has the discretion to defer receiving the amount up to 27 years of age.
Q. What life insurance cover do parents receive?
Ans. Both parents receive a group term life insurance cover of Rs. 2 lakh each separately under an insurance company. This means the total life insurance cover per family is Rs. 4 lakh. The insurance cover remains valid until the girl attains 18 or 27 years of age as applicable.
Q. How many daughters can avail this benefit in one family?
Ans. A maximum of two girl children per BPL family are eligible for benefits under Indira Gandhi Sukh Suraksha Yojana. Third or subsequent girl children in the family do not qualify.
Q. Who is eligible for this scheme?
Ans. Girl children born on or after 01 April 2026 who are the first or second daughter in a BPL family that is a permanent resident of Himachal Pradesh are eligible. The girl child must not marry before attaining 18 years of age to continue receiving scheme benefits.
Q. Can a family apply if they already have two daughters under the earlier Beti Hai Anmol Yojana?
Ans. No. Parents or legal guardians who have already availed this scheme for two daughters are not eligible for further benefits under Indira Gandhi Sukh Suraksha Yojana.
Q. What is the difference between Indira Gandhi Sukh Suraksha Yojana and Beti Hai Anmol Yojana?
Ans. Beti Hai Anmol Yojana provided a Rs. 10,000 deposit at birth along with an annual scholarship for education. Indira Gandhi Sukh Suraksha Yojana provides a Rs. 25,000 deposit at birth with accrued benefits plus Rs. 2 lakh life insurance cover for each parent separately, making it a significantly enhanced scheme with added parental insurance protection that the earlier scheme did not offer.
Q. Where can families apply for this scheme?
Ans. Families can apply online through the official HimSeva portal at himseva.hp.gov.in or offline by collecting the official application form from the nearest Child Development Project Officer (CDPO) office and submitting it with all required documents.
Q. Which department implements this scheme?
Ans. The Directorate of Women and Child Development, Government of Himachal Pradesh, implements Indira Gandhi Sukh Suraksha Yojana.
Q. What happens to the insurance cover if the girl child gets married before 18 years?
Ans. If the girl child marries before attaining 18 years of age, she ceases to be eligible for scheme benefits as per the official eligibility conditions of the scheme.
Q. Whom can families contact for help regarding this scheme?
Ans. Families can contact the Directorate of Women and Child Development at 0177-3525101 or 0177-3525102 or visit the nearest CDPO office in their area for assistance with applications and scheme-related queries.
Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare scheme 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.