Financial Support for Girl Child by PM Modi: Full Details of Government Schemes (2025 Update)
India has made significant strides in improving gender equality, especially in terms of education, healthcare, and economic empowerment of women. However, challenges like female infanticide, gender discrimination, and lack of financial support still exist in many parts of the country.
To address these issues, the Government of India, under the leadership of Prime Minister Narendra Modi, has introduced several financial assistance schemes for girl children, beginning from birth. These schemes are aimed at improving the overall status of girls in Indian society, ensuring their health, education, and future financial independence.
Let’s explore the most important central government schemes that help female babies (girl children) from birth.
1. Sukanya Samriddhi Yojana (SSY)
Overview
The Sukanya Samriddhi Yojana is a flagship savings scheme exclusively designed for girl children. Launched under the Beti Bachao, Beti Padhao initiative in 2015, this scheme helps parents save for their daughter’s education and marriage.
- Only girl children below the age of 10 are eligible.
- A savings account can be opened at post offices or authorized banks.
- The minimum deposit is ₹250 per year.
- Maximum deposit is ₹1.5 lakh per year.
- Interest rate (as of 2025): 8.2%, compounded annually.
- Maturity at 21 years of age.
- Partial withdrawal allowed at age 18 for higher education or marriage.
Benefits
- Tax-free returns under Section 80C of the Income Tax Act.
- One of the highest interest-yielding small savings schemes.
- Promotes long-term financial planning for girl children.
How to Apply
- Visit the nearest post office or nationalized bank.
- Submit the child’s birth certificate, parents’ ID proof, and address proof.
- Fill out the SSY account opening form.
2. Balika Samriddhi Yojana
Overview
Launched earlier and now revised under the Modi government, this scheme provides financial aid to families for the education and upbringing of girl children from Below Poverty Line (BPL) households.
Benefits
- ₹500 given as a gift at birth of the girl child.
- Annual scholarship for each year of school education:
- ₹300 to ₹1,000 per annum depending on the class.
Eligibility
- Girl child born on or after 15 August 1997.
- Belongs to a BPL family.
How to Apply
- Contact Anganwadi workers or the Women and Child Development department in your district.
3. Beti Bachao Beti Padhao (BBBP)
Overview
Though not a direct cash benefit scheme, Beti Bachao Beti Padhao is a national awareness and support campaign that provides financial and institutional support for girl child protection and education.
Key Objectives
- Prevent female infanticide.
- Ensure girl child education.
- Promote gender equality at birth and beyond.
How It Helps
- Government funding to districts with poor child sex ratios.
- Awareness programs.
- Support to local authorities for girl child schemes like SSY and BSY.
4. CBSE Udaan Scheme
Overview
Udaan is a program by the Central Board of Secondary Education (CBSE) to support girl students from economically disadvantaged backgrounds in pursuing engineering and science fields.
Benefits
- Free online resources, virtual classes, and guidance.
- Financial support for competitive exams.
- Monitoring of students’ progress.
Eligibility
- Indian citizens studying in class 11th or 12th.
- Girl students from government schools with family income under ₹6 lakh annually.
5. PM CARES for Children Scheme
Overview
Announced in 2021 during the COVID-19 pandemic, this scheme provides long-term financial aid to children (including girls) who lost both parents to COVID-19.
Benefits
- Monthly stipend starting at age 18.
- Lump sum of ₹10 lakh at the age of 23.
- Free education, health insurance, and school needs.
How to Apply
- Through district magistrate or official portal.
- Requires proof of death of parents due to COVID-19.
6. Kishori Shakti Yojana
Overview
This scheme is aimed at adolescent girls between the age of 11–18 to improve their nutritional and health status and promote awareness about health, hygiene, and education.
Support Provided
- Health checkups
- Free supplements
- Vocational training
- Educational support
7. National Scheme of Incentive to Girls for Secondary Education (NSIGSE)
Overview
The scheme provides an incentive of ₹3,000 to SC/ST girl students who pass class 8 and enroll in class 9.
Eligibility
- SC/ST or married girl students aged below 16.
- Must be studying in class 9 in a government school.
Benefit
- ₹3,000 deposited in a bank account, to be withdrawn after passing class 10 and reaching age 18.
8. Ladli Laxmi Yojana (State-Level but Supported by Central Funds)
Overview
Though initiated by the Madhya Pradesh government, it has inspired similar programs in other states and is partly supported through central schemes. It provides cash rewards in installments during the girl’s life stages.
9. Dhanalakshmi Scheme
Overview
A conditional cash transfer scheme that supports girl children from birth through education until adulthood.
Incentives
- ₹5,000 on birth.
- ₹1,000–₹5,000 annually during school education.
- ₹1 lakh at age 18 if unmarried and passed class 12.
Conditions
- Immunization
- Birth registration
- School attendance
10. Post-Matric Scholarship for SC/ST Girls
Overview
This is part of the umbrella scholarship schemes under the Ministry of Social Justice & Empowerment.
Benefits
- Full reimbursement of school/college fees.
- Monthly allowance for books, stationery, travel.
Steps to Apply for Most Girl Child Schemes
- Visit official portals such as:
- Choose the appropriate scheme and read eligibility details.
- Keep documents ready:
- Birth certificate
- Aadhaar card of child and parents
- Bank account details
- Income certificate
- Caste certificate (if applicable)
- Submit application online or through local offices.
Impact of PM Modi’s Girl Child Schemes
- Improved female literacy rate in many states.
- Increase in girl child enrollment in schools.
- Empowerment of young girls to pursue STEM careers.
- Helped reduce early marriage due to financial stability.
Apply link 1
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PM Modi’s government has taken vital steps to change the perception and status of the girl child in India. From birth incentives to education scholarships, the goal is to create an ecosystem where girls not only survive but thrive.
Parents of baby girls can now breathe easier knowing the government is backing their child’s future. All you need is the right information and proactive action to make the most of these life-changing schemes.