What is the biggest government support a family in Madhya Pradesh can get when a daughter is born? If you searched for “ladli laxmi yojana 2.0” on Google and landed here, this guide answers every question you have — in one place, in simple language.
In this article you will learn what Ladli Laxmi Yojana 2.0 actually is, how ₹1,43,000 gets accumulated in your daughter’s name, at which stages of her education the installments are paid, what new benefits the 2.0 version added, which families are eligible and which are not, how to apply both online and offline step by step, and what to do if the certificate is lost or registration gets delayed.
One important clarification first — many people confuse this scheme with the Ladli Behna Yojana. Both names start with “Ladli” and both are Madhya Pradesh government schemes, but they are completely different schemes for completely different people. This article includes a clear side-by-side comparison so you don’t waste time applying to the wrong scheme.
Scheme at a Glance (Quick Facts)
| Point | Details |
|---|---|
| Scheme name | Mukhyamantri Ladli Laxmi Yojana 2.0 |
| State | Madhya Pradesh |
| Launched | 1 April 2007 |
| 2.0 version | Launched 2022, fully active in 2026 |
| Total benefit | ₹1,43,000 invested in the girl’s name (via NSC, over 5 years) |
| Installments | On Class 6, 9, 11 admission, monthly during Class 11-12, final ₹1,00,000 |
| New in 2.0 | ₹25,000 college bonus, internship stipend, e-certificate |
| Eligibility | Girl born on or after 1 January 2006; parents must not be income-tax payers |
| How to apply | Official Ladli Laxmi portal / Anganwadi centre / CDPO office |
What is ladli laxmi yojana 2.0?
The Ladli Laxmi Yojana is Madhya Pradesh’s historic scheme that changed the direction of girl-child welfare schemes across India. It was launched on 1 April 2007. At that time, the mindset of treating a daughter’s birth as a burden ran deep in society — female foeticide and child marriage were widespread evils. The government chose a second path alongside the law: make a daughter’s birth financially rewarding for the family.
The method is simple and sensible. The government invests a total of ₹1,43,000 in the name of every registered girl child through National Savings Certificates (NSC) over a period of 5 years. This money stays secured in the girl’s name and is not given as a lump sum; instead, it is paid in installments at key stages of her education.
Then came the 2.0 version. In November 2022, the then Chief Minister Shivraj Singh Chouhan launched Ladli Laxmi Yojana 2.0 from Ravindra Bhawan, Bhopal, with one special goal — taking daughters to higher education. In 2026 the scheme is running at full pace, and thousands of new daughters join every year. By 2022 itself, more than 43 lakh daughters had joined the scheme.
In simple words, ladli laxmi yojana 2.0 is the government’s companionship from a daughter’s birth to her marriage — financial help at every stage of education, a bonus for college, and a large lump sum at the end.
What is the real purpose of the scheme?
The goal is not just giving money — it is changing mindsets. When the scheme started in 2007, the birth of a daughter brought disappointment in many parts of Madhya Pradesh. The scheme was designed so that every step of the daughter — school admission, passing each class, going to college — gets linked to a financial benefit for the family.
How does the money stay secured in the daughter’s name?
The government invests a total of ₹1,43,000 in the name of the registered girl through National Savings Certificates (NSC) over 5 years. NSC is a secure government savings instrument from the post office — the money stays under government guarantee, with no risk of loss. The amount remains locked in the girl’s name; neither the parents nor anyone else can withdraw it midway.
How was the 2.0 version launched?
In November 2022, the then Chief Minister Shivraj Singh Chouhan launched Ladli Laxmi Yojana 2.0 from Ravindra Bhawan, Bhopal. On the occasion, ₹1.85 crore was transferred directly to 1,477 Ladli daughters for higher education. The Chief Minister inaugurated the “Ladli Laxmi Vatika” in Bhopal and announced that “Ek Park Ladli Laxmi Beti Ke Naam” would be developed in every district.
What is new in the 2.0 version? (New Benefits)
The original scheme was good, but 2.0 made it more powerful by connecting it to the daughter’s higher education. Here are the four big new benefits:
1. Higher education bonus — ₹25,000: After passing Class 12, if the daughter takes admission in a government college, IIT, IIM, NIT, AIIMS, or any UG professional course (such as B.Tech, BBA, BCA, nursing, or paramedical), she gets an additional ₹25,000.
2. ₹25,000 for medical/law college admission: If the daughter takes admission in a medical college (MBBS, BAMS, BHMS, nursing) or a law college (LLB), she gets a one-time additional grant of ₹25,000.
3. Internship stipend — ₹1,500 per month: Ladli daughters doing internships in government departments receive a stipend of ₹1,500 every month.
4. Ladli Laxmi e-certificate: Every daughter linked to the scheme receives a digital certificate. This certificate helps in scholarship applications and in getting priority for bank loans.
Installments: when, how much, and on what conditions?
| Milestone | Amount received |
|---|---|
| On admission to Class 6 | ₹2,000 |
| On admission to Class 9 | ₹4,000 |
| On admission to Class 11 | ₹6,000 |
| During Class 11-12 (every month) | ₹200 per month |
| On passing Class 12 and marrying after age 21 | ₹1,00,000 (final lump sum) |
Five things to lock in about these installments:
First: The money doesn’t come automatically — at every stage, the daughter’s admission to or passing of school/college is required.
Second: The largest amount, ₹1,00,000, comes at the end, with two conditions — the daughter must have passed Class 12, and her marriage must take place after the age of 21. This condition exists to prevent child marriage.
Third: The total ₹1,43,000 is invested in the girl’s name via NSC over 5 years.
Fourth: Don’t underestimate the ₹200 per month during Class 11-12 — it is regular monthly help for two years.
Fifth: Many websites carry wrong figures for these installments (some say ₹5,000 at birth, others ₹6,000 in every class). The list above is the correct one as per the scheme’s official provisions.
Understand with an example
Suppose your daughter was born in 2020 and you registered her on time. When she takes admission in Class 6, ₹2,000 will come. In Class 9, ₹4,000; in Class 11, ₹6,000. During the two years of Class 11 and 12, ₹200 will keep coming every month. Then, after passing Class 12, when she turns 21 and marries after that age, a lump sum of ₹1,00,000 will be paid. If she goes to college, a separate ₹25,000 higher-education bonus on top.
Who can get the benefit? (Eligibility)
1. The girl must be born on or after 1 January 2006. Girls born before this date do not fall under the scheme.
2. The parents must be permanent residents of Madhya Pradesh. This scheme is only for families who are native residents of Madhya Pradesh.
3. The parents must not be income-tax payers.
4. Family planning must have been adopted (two-child norm). The scheme’s benefit is limited to a maximum of two daughters.
5. Registration must be done within 1 year of the girl’s birth.
Which families will NOT get the benefit?
- Girls born before 1 January 2006.
- Families whose parents pay income tax.
- Families who are not permanent residents of Madhya Pradesh.
- Families who have not adopted family planning after the second child.
- Families whose registration was done after 1 year of the girl’s birth.
Ladli Laxmi vs Ladli Behna — end this confusion forever
| Point | Ladli Laxmi Yojana 2.0 | Ladli Behna Yojana |
|---|---|---|
| For whom | The daughter (girl child) | Women aged 21 to 60 |
| Total benefit | ₹1,43,000 (in installments at education milestones) | ₹1,500 every month (directly to bank account) |
| Launched | 2007 (2.0 version from 2022) | 2023 |
| Purpose | The daughter’s education and bright future | Monthly financial support for women |
| Age condition | Born on or after 1 January 2006 | 21 to 60 years |
An easy way to remember: Laxmi = the daughter’s scheme (money in the child’s name), Behna = the sisters’/women’s scheme (money every month).
For the latest installment updates of the Ladli Behna Yojana, read our article: Ladli Behna Yojana 2026: 41वीं किस्त कब आएगी, ₹1,500 Payment Status कैसे Check करें
How to apply? (Complete step-by-step process)
Method 1 — Apply online:
- First, get the daughter’s birth certificate made.
- Keep all the documents from the list below ready.
- Open the official Ladli Laxmi portal and fill the new application form.
- Fill the correct details of the daughter and parents — the name spelling must match the birth certificate.
- Upload the required documents and submit the form.
- Note down the application number and keep it safe.
Method 2 — Apply offline (the easier option):
- Visit your nearest Anganwadi centre.
- Alternatively, you can also go to the CDPO office or the nearest Lok Seva Kendra.
- Fill the form and submit it with the documents.
- After verification, the Ladli Laxmi certificate will be issued in the daughter’s name — keep it safe.
Documents usually asked for:
- The daughter’s birth certificate
- Parents’ Aadhaar cards
- Madhya Pradesh domicile certificate
- Family planning proof
- Bank account details (in the daughter’s/guardian’s name)
- Passport-size photographs
Common mistakes in applications (avoid these)
1. Name spelling mismatch: The daughter’s name must be identical on the birth certificate, Aadhaar card, and application form.
2. Delaying registration: People keep postponing registration saying “the daughter is still small”, and then the 1-year time limit passes.
3. Applying under the wrong scheme: The confusion between Ladli Laxmi and Ladli Behna causes mistakes. Read the comparison table above once more.
4. Falling for agents: If anyone asks for money promising “quick registration”, understand that he is a fraud.
5. Not keeping the certificate safe: The Ladli Laxmi certificate is the proof of your entitlement. Keep photocopies and a mobile photo.
Right steps at the right age (Timeline)
- Immediately after birth: Get the birth certificate made.
- Within 1 year of birth: Register under the Ladli Laxmi Yojana — visit the Anganwadi centre.
- On admission to Class 6, 9, 11: The installment process goes through the school.
- During Class 11-12: ₹200 per month will keep coming.
- After passing Class 12: Apply for the ₹25,000 bonus on college admission.
- After the age of 21: Complete the process for the final ₹1,00,000 amount on marriage.
What if the certificate is lost or registration is delayed?
If the Ladli Laxmi certificate is lost: Go to the Anganwadi centre or CDPO office from where the certificate was issued, and apply for a duplicate certificate.
If registration could not be done within 1 year of birth: Immediately contact your nearest CDPO office or Anganwadi centre, explain your situation, and ask about the current rules.
If an installment is stuck: First check whether the daughter’s school/college admission record is updated, and whether the bank account is Aadhaar-linked.
Beware of fraud (important warning)
- The government charges no fee for this scheme. Anyone who asks for a “registration fee” is a fraud.
- Apply only through the official Ladli Laxmi portal, Anganwadi centre, CDPO office, or Lok Seva Kendra.
- If anyone on the phone asks for an OTP, bank account number, or Aadhaar number, never give it.
- Stay away from fake websites — confirm the identity of the real portal from the Anganwadi centre.
Where to get official information
- Madhya Pradesh Women and Child Development Department (on the official mp.gov.in portal)
- The official Ladli Laxmi portal (for online application and status)
- Nearest Anganwadi centre, CDPO office, or Lok Seva Kendra
More schemes for your daughter’s future
- Ladli Behna Yojana — ₹1,500 every month for the women of the house (21-60 years): read the latest 41st installment update here
- Sukanya Samriddhi Yojana 2026 — the central government’s savings scheme for daughters at 8.2% interest: read the full guide here
Frequently Asked Questions (FAQ)
Q1: What is ladli laxmi yojana 2.0?
A: It is Madhya Pradesh government’s biggest scheme for daughters. It started on 1 April 2007, and its 2.0 version was launched in 2022 with additional benefits for higher education. The government invests ₹1,43,000 in the name of every registered girl through NSC over 5 years, paid in installments at education milestones.
Q2: How much money is given in total, and when?
A: A total of ₹1,43,000 is invested in the daughter’s name. ₹2,000 on admission to Class 6, ₹4,000 in Class 9, ₹6,000 in Class 11, ₹200 per month during Class 11-12, and finally a lump sum of ₹1,00,000 on passing Class 12 and marrying after the age of 21. In 2.0, a separate ₹25,000 bonus comes on college admission.
Q3: What is new in the 2.0 version?
A: Four big benefits were added in 2.0 — a ₹25,000 bonus on admission to a government college/IIT/IIM/NIT/AIIMS or any UG professional course; a one-time ₹25,000 grant on admission to a medical or law college; a ₹1,500 per month stipend for internships in government departments; and the Ladli Laxmi e-certificate.
Q4: Who can apply?
A: A girl born on or after 1 January 2006, whose parents are permanent residents of Madhya Pradesh and are not income-tax payers, whose family has adopted family planning, and whose registration was done within 1 year of her birth.
Q5: What is the difference between Ladli Laxmi and Ladli Behna?
A: Ladli Laxmi Yojana is for the daughter (girl child) — ₹1,43,000 comes in installments at education milestones. Ladli Behna Yojana is for women aged 21 to 60 — ₹1,500 comes every month directly to the bank account.
Q6: What should I do if the certificate is lost?
A: Go to the Anganwadi centre or CDPO office from where the certificate was issued, and apply for a duplicate certificate.
Q7: Can registration be done after 1 year of birth?
A: As per the rule, registration should happen within one year of the girl’s birth. If there was a delay, immediately contact your nearest CDPO office or Anganwadi centre.
Q8: Will a third daughter also get the benefit?
A: The scheme is limited to a maximum of two daughters, and adopting family planning is a mandatory condition.
Q9: Where and how should I apply?
A: Two ways — online (official Ladli Laxmi portal) or offline (Anganwadi centre, CDPO office, or Lok Seva Kendra). No fee is charged for applying.
Q10: Can any agent charge money for this scheme?
A: Absolutely not. The government charges no fee for this scheme. Anyone who asks for money is a fraud.
Q11: Is GramSuvidha a government website?
A: No. GramSuvidha is a private information portal, not a government website.
*Disclaimer: GramSuvidha is a private information portal, not a government website. The information in this article is based on public government sources — please verify from the official Ladli Laxmi portal or your nearest Anganwadi centre/CDPO office before applying.*
