ABHB

Aapki Beti Hamari Beti

6.3/10

The scheme “Aapki Beti Hamari Beti” was launched by the Department of Women and Child Development, Government of Haryana on 24th August 2015.

State Cash

States / UT: Haryana

Nodal department: Women and Child Development Department

Scheme for: Individual

Scheme profile

Scheme open date: 2015-08-25

Categories: Social welfare & Empowerment

Target beneficiaries: Individual

Tags: Beti, Girl Child, Investment, LIC, Financial Assistance, Grant

Details

The scheme “Aapki Beti Hamari Beti” was launched by the Department of Women and Child Development, Government of Haryana on 24th August 2015. Under the scheme, the State Government will invest a sum of ₹21000/- with Life Insurance Corporation (LIC) in the name of the 1st Girl child of SC/BPL families, and the 2nd child of a family belonging to any other caste. On attaining 18 years of age, the girl child will be paid the amount. This scheme was launched by the state government with the aim that every girl child has a right to be born and have access to education to develop her potential. The scheme guidelines shall come into force w.e.f. 22nd January 2015.
Objectives:

  • To bring about change in the societal attitude towards the birth of the girl child.
  • To improve the child-sex ratio in the state.
  • To improve enrolment and retention of girl children in schools and to assist the girls to undertake income-generating activities.
  • To raise the age of marriage of girls.
  • To ensure survival, and proper health and promote the education of girls in the state.

Coverage:
The scheme shall be implemented in both rural and urban areas of the state, covering 1st girl child born in families belonging to Schedule Caste, and all Below Poverty Line (BPL), and 2nd/twin/multiple girls born on or after 22nd January 2015 in any family in the State of Haryana satisfying the eligibility criteria. The LADLI scheme is merged into “Aapki Beti Hamari Beti Scheme” and 2nd /twin/multiple girls born on or before 2Ist January 2015 in any family in the State of Haryana, satisfying the eligibility criteria of the Scheme, will be paid benefits as per the rules of erstwhile LADLI Scheme.
Monitoring of the Scheme:
Monitoring of this scheme shall be done at the level of the Women and Child Development Department, Haryana, and also by 3rd Party audit, as decided by the State Government from time to time.

Benefits

  • Keeping in view the aims of the Scheme the Government will provide benefits/financial assistance to each girl child beneficiary. This will be provided in the following manner: 1. All Scheduled Caste families whose first girl child is born on or after 22nd January 2015 shall be eligible to receive a one-time grant of ₹21 000/- only. 1. All Below Poverty Line (BPL) families whose first girl child is born on or after 22nd January 2015 shall be eligible to receive a one-time grant of ₹21 000/- only. 1. All families whose second girl child is born on or after 22nd January 2015 will receive ₹21000/- (One Time) irrespective of their caste creed religion income and number of sons. 1. In special cases when twin/multiple girls are born on or after 22nd January 2015 will receive ₹21000/- (One Time) per girl child in any family of the State of Haryana satisfying the eligibility conditions. 1. All families whose second girl child is born on or before 21st January 2015 will receive ₹5000/- girl child per annum for five years irrespective of their caste creed religion income and number of sons. (This is applicable for those cases who were eligible for benefit under the Ladli scheme) 1. In special cases when twin/multiple girls are born on or before 21st January 2015 will receive ₹2500/- per girl child per annum for five years irrespective of their caste creed religion income and number of sons in any family of the State of Haryana satisfying the eligibility conditions. (This is applicable for those cases who were eligible for benefit under the Ladli scheme). 1. The money is to be invested with LIC of India under the Scheme & 39;Aapki Beti Harnari Beti& 39; in the name of the girl child beneficiary through her mother. In case

Keeping in view the aims of the Scheme, the Government will provide benefits/financial assistance to each girl child beneficiary. This will be provided in the following manner:

  1. All Scheduled Caste families whose first girl child is born on or after 22nd January 2015 shall be eligible to receive a one-time grant of ₹21,000/- only.
  2. All Below Poverty Line (BPL) families whose first girl child is born on or after 22nd January 2015 shall be eligible to receive a one-time grant of ₹21,000/- only.
  3. All families whose second girl child is born on or after 22nd January 2015, will receive ₹21000/- (One Time) irrespective of their caste, creed, religion, income, and number of sons.
  4. In special cases, when twin/multiple girls are born on or after 22nd January 2015 will receive ₹21000/- (One Time) per girl child in any family of the State of Haryana satisfying the eligibility conditions.
  5. All families whose second girl child is born on or before 21st January 2015, will receive ₹5000/- girl child per annum for five years irrespective of their caste, creed, religion, income, and number of sons. (This is applicable for those cases who were eligible for benefit under the Ladli scheme),
  6. In special cases, when twin/multiple girls are born on or before 21st January 2015 will receive ₹2500/- per girl child per annum for five years irrespective of their caste, creed, religion, income, and number of sons in any family of the State of Haryana satisfying the eligibility conditions. (This is applicable for those cases who were eligible for benefit under the Ladli scheme).
  7. The money is to be invested with LIC of India under the Scheme 'Aapki Beti Harnari Beti' in the name of the girl child beneficiary through her mother. In case, the mother is not alive then the money would be deposited in the name of the beneficiary girl child through the father. If both the parents are not alive then this money would be deposited in the name of the beneficiary girl child through her guardian.

Note: The money shall be released within one month of submission of the completed application of the beneficiary through her mother/father/guardian.
Withdrawal of Benefit:

  1. The benefit sanctioned under the scheme shall be withdrawn by the competent authority at any stage if it is found that it was sanctioned incorrectly or received by providing false information/fabricated documents.
  2. In case of wrong information, deliberately given by the applicant, he/she shall be liable for prosecution as per law.
  3. he investment made in the shape of a membership certificate under this scheme shall not be liable for attachment under any law.
  4. If the beneficiary dies after attaining the age of 18 years then the parents of the beneficiary will be eligible for receiving benefits.
  5. The beneficiary would not be eligible for the benefit under the scheme in case she gets married before the age of 18 years.

Note: In case of the death of the beneficiary before 18 years of age, her enrolment as a beneficiary under the Scheme Aapki Beti Harnari Beti, would be cancelled with immediate effect, and funds invested against this enrolment would be taken back from Scheme Aapki Beti Hamari Beti with interest and deposited in the receipt Head of the Department.

Eligibility

The following will be the eligibility criteria for beneficiaries under the scheme:-

  1. All Scheduled Caste families whose first girl child is born on or after 22nd January 2015 shall be eligible to receive a one-time grant.
  2. All Below Poverty Line (BPL) families whose first girl child is born on or after 22nd January 2015 shall be eligible to receive a one-time grant.
  3. All families whose second girl child is born on or after 22nd January 2015, will receive a one-time grant irrespective of their caste, creed, religion, income, and number of sons.
  4. In cases, twin/multiple girls born on or after 22nd January 2015, will receive a one-time grant per girl child in any family satisfying the eligibility conditions.
  5. All families whose second girl child is born on or before 21st January 2015, will receive a one-time grant per girl child per annum for five years irrespective of their caste, creed, religion, income, and number of sons. (This is applicable for those cases who are eligible for benefit under the Ladli scheme). 1. In cases, when twin/multiple girls are born on or before 21st January 2015 will receive a one-time grant per girl child per annum for five years irrespective of their caste, creed, religion, income, and number of sons in any family of the State of Haryana satisfying the eligibility conditions. (This is applicable for those cases who are eligible for benefit under Ladli scheme). 1. All parents resident of Haryana or having a Haryana domicile and at least one of the parents along with the girl child should be residing in Haryana.
  6. The pregnant women should be registered at the nearest Anganwadi Centre or with the Health Department.
  7. The birth of all girl children shall be registered.
  8. The girl child shall have an Aadhaar number. However, at the time of enrolment, the Aadhaar number of the parents is also accepted.
  9. The parents should ensure proper and timely immunization of the girl children and immunization records (as per age of the girl children) should be attached with the application form.
  10. Beneficiaries should be enrolled in Anganwadi Centre as per their age.

Change of address: It shall be obligatory for the parents/guardian of the girl children to intimate any change of address to the Women and Child Development Project Officer/ District Programme Officer and Civil Surgeon concerned.
Eligibility to encash Membership Certificate:
In order to obtain the maturity value of the investment in the Membership Certificate at the time of applying the beneficiary girl must be:

  • 18 years of age
  • Unmarried

How useful is this scheme?

Public benefit analysis

A practical look at this scheme for citizens

AI-generated insights showing how useful, accessible, and practical this scheme may be — combining deterministic scoring rules with a public-policy LLM analyst.

6.3
/ 10
Public Benefit Score
Accessibility 7.0/10 Good
Rural usefulness 7.0/10 Good
Application complexity 6.5/10 Moderate
Financial impact 6.0/10 Moderate
Literacy barrier 4.0/10 Moderate
Women inclusivity 9.0/10 Good
Awareness 4.5/10 Moderate
Implementation reliability 7.0/10 Good
Bigger shape means a better fit for citizens
  • Accessibility7.0
  • Financial impact6.0
  • Rural utility7.0
  • Awareness4.5
  • Simplicity3.5
  • Inclusivity9.0

What problem does this scheme solve?

The scheme aims to improve the status of girl children in Haryana by providing financial assistance to families, thereby promoting education and health.

Key challenges addressed

  • Improving child sex ratio
  • Encouraging education for girls
  • Supporting families with girl children

Most beneficial for

  • Scheduled Caste families
  • Below Poverty Line families
  • Families with multiple girl children

Likely challenges

  • Awareness of eligibility criteria
  • Application complexity for semi-literate citizens
  • Verification of documents

Practical insights for citizens

The scheme is practical but requires significant effort from families to navigate the application process.

Rural challenges

  • Limited access to information
  • Dependence on local officials for application

Implementation bottlenecks

  • Delayed processing of applications
  • Verification of documents may take time

Awareness challenges

  • Low awareness among rural populations
  • Need for outreach programs

Application analysis

Application mode
Offline office
Documents burden
Moderate, requires birth certificate and immunization records
Verification complexity
Moderate, involves multiple levels of verification
Office dependency
High, requires interaction with local officials
DBT dependency
Low, as it involves investment with LIC
CSC support
Limited, primarily through Anganwadi workers
Estimated citizen effort
Moderate, requires several steps to complete application

Estimated beneficiary reach

  • Rural / urban reach High
  • Gender reach Female
  • Target income group Low-income families
  • Occupation reach All occupations

Benefit analysis

Benefit type
Cash
Benefit frequency
One-time grant
Benefit practicality
High, as it provides immediate financial support
Financial meaningfulness
High, as ₹21,000 is a significant amount for low-income families
Long-term impact
Positive, as it encourages education and health for girl children

Plain-language guidance

The Aapki Beti Hamari Beti scheme provides financial assistance to families with girl children in Haryana. Eligible families can receive a one-time grant to support the education and health of their daughters.

Who should apply
Families with girl children, especially from Scheduled Caste or Below Poverty Line backgrounds.
Who may struggle
Semi-literate individuals and those unfamiliar with the application process.
Best application route
Apply via local Anganwadi Centre with necessary documents.

This intelligence section is generated by an AI policy analyst combined with rule-based scoring. Scores and narrative are estimates derived from the publicly available scheme information shown on this page; actual experience may vary by state, district, and department. Always confirm details on the official portal before you apply.

Application Process

Offline

Step 01: The application form will be available free of cost from the Anganwadi Centre or can be downloaded from the website of the Department.
Step 02: The duly filled form along with the self-attested copy of the birth certificate & immunization card of the beneficiary and the Aadhaar number of child or of the parents shall be deposited with the Anganwadi Worker/Health Staff.
Step 03: The Anganwadi worker/Health Staff shall submit the same to the Circle Supervisor/Medical Officer or to the Women and Child Development Project Officer/Civil Surgeon.
Step 04: The Women and Child Development Project Officer/Civil Surgeon will forward the cases to the District Programme Officer of the concerned district, who will sanction the amount as per the eligibility of the beneficiaries and would deposit the said amount via Aadhaar number linked with bank account of Life Insurance Corporation of India for investment in the name of the beneficiary.
Note 01: Employees of Haryana Government, but residing at Chandigarh and Delhi can apply to District Programme Officer Panchkula and District Programme Officer Gurgaon respectively.
Note 02: Life Insurance Corporation of India shall issue a Membership Certificate in favour of each beneficiary enrolled with them. The said membership certificate shall be given to the concerned District Programme Officer for onward delivery to the parents/guardian of the concerned beneficiary.
Note 03: The eligible girl along with her mother, father and guardian will apply on the prescribed Proforma to the District Programme Officer, Who after ascertaining the eligibility shall hand over the Membership Certificate to the beneficiary.

Clarifications

Additional points from the scheme information published on myScheme (not legal advice).

What is the aim of the scheme?

The aim of this scheme is to improve the child sex ratio and ensure survival, and proper health, and promote the education of girls in the state. Every girl child has a right to be born and have access to education in order to develop her potential.

What is the objective of the scheme?

To bring about change in the societal attitude towards the birth of the girl child. To improve the child sex ratio in the state. To improve enrolment and retention of girl children in schools and to assist the girls to undertake income-generating activities. To raise the age at marriage of girls.

Which department has launched this scheme?

Women and Child Development Department, Government of Haryana

When was this scheme launched?

This scheme was launched on 24th August 2015.

Who is eligible to get the benefits of the scheme?

The scheme is covering 1st girl child born in a family belonging to Schedule Caste, and all Below Poverty Line (BPL) and, the 2nd twin/multiple girls born on or after 22nd January 2015 in any family in the State of Haryana satisfying the eligibility criteria.

Is this scheme only for a resident of Haryana State?

Yes, the applicant must be a permanent resident of Haryana State.

What is the eligibility criterion to encash Membership Certificate?

In order to obtain the maturity value of the investment in Membership Certificate at the time of applying the beneficiary girl must be 18 years of age and unmarried.

What is the benefit of the scheme?

Under the scheme, a sum of ₹21000/- is invested with Life Insurance Corporation LIC in the name of 1st Girl child of SC/BPL families and 2nd child of a family belonging to any caste.

Is it mandatory to enroll beneficiary in Anganwadi Centre?

Yes, the beneficiary should be enrolled in Anganwadi Centre as per their age.

How can an applicant apply under the scheme?

The eligible applicant may apply through offline mode.

How can an applicant apply offline under the scheme?

The mother/ father/guardian of the eligible girl child beneficiary should apply in the prescribed form along with relevant documents as prescribed by the Women and Child Development Department, Haryana through the Anganwadi Worker/Supervisor/Health Staff of the concerned area.

References

Notification
https://cdnbbsr.s3waas.gov.in/s34c144c47ecba6f8318128703ca9e2601/uploads/2020/10/2020100974.pdf
Official Website
https://wcdhry.gov.in/schemes-for-children/abhb/
Application Form
https://cdnbbsr.s3waas.gov.in/s34c144c47ecba6f8318128703ca9e2601/uploads/2020/10/2020102864.pdf

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Frequently asked questions

What is the purpose of Aapki Beti Hamari Beti?
Aapki Beti Hamari Beti is a government welfare initiative designed to support Individual, Individual through benefits related to Social welfare & Empowerment, financial assistance, subsidies, social welfare, healthcare, education, or livelihood support.
Who can apply for Aapki Beti Hamari Beti?
Eligibility for Aapki Beti Hamari Beti may depend on factors such as income category, age, gender, occupation, state of residence, social category, and government-defined beneficiary criteria.
What benefits are offered under Aapki Beti Hamari Beti?
Benefits under Aapki Beti Hamari Beti may include financial assistance, subsidies, scholarships, insurance support, healthcare benefits, pension support, training assistance, or welfare services depending on the scheme guidelines.
Which department manages Aapki Beti Hamari Beti?
Aapki Beti Hamari Beti is managed by Women and Child Development Department and may be implemented through district offices, online portals, CSC centres, banks, or authorised government agencies.
Can users apply online for Aapki Beti Hamari Beti?
Yes, eligible applicants may be able to apply online for Aapki Beti Hamari Beti through official government portals, authorised service centres, or digital application systems depending on the implementation process.
Is Aadhaar mandatory for Aapki Beti Hamari Beti?
Many government schemes may require Aadhaar verification, identity proof, or linked bank account details for beneficiary validation and direct benefit transfer processing.
Where can users apply for Aapki Beti Hamari Beti?
Applications for Aapki Beti Hamari Beti may be submitted through government departments, official scheme portals, CSC centres, district offices, welfare departments, or authorised service centres.
What documents may be required for Aapki Beti Hamari Beti?
Applicants may need Aadhaar card, income certificate, residence proof, bank account details, caste certificate, photographs, educational records, or occupation-related documents depending on scheme eligibility requirements.
Is income certificate required for Aapki Beti Hamari Beti?
Income certificate requirements may vary depending on beneficiary category, subsidy eligibility, and financial assistance criteria defined under Aapki Beti Hamari Beti.
Is Aapki Beti Hamari Beti available in all states?
No, Aapki Beti Hamari Beti is primarily available for eligible residents of Haryana and may be implemented through state government departments and local administrative offices.
Can residents outside Haryana apply for Aapki Beti Hamari Beti?
Eligibility for Aapki Beti Hamari Beti is generally limited to residents of Haryana unless otherwise specified in the official scheme guidelines.
Is Aapki Beti Hamari Beti only for women beneficiaries?
Aapki Beti Hamari Beti is primarily intended to support eligible women beneficiaries through welfare assistance, financial support, skill development, healthcare, or social security initiatives.
Does Aapki Beti Hamari Beti support self-employment or financial assistance for women?
Depending on scheme guidelines, Aapki Beti Hamari Beti may provide loans, subsidies, training support, self-employment assistance, or financial welfare benefits for women.
Can CSC centres help users apply for Aapki Beti Hamari Beti?
Many government schemes may be accessible through nearby CSC centres, authorised digital service centres, or welfare facilitation offices.
How can users check the latest updates for Aapki Beti Hamari Beti?
Users should verify official notifications, department announcements, application deadlines, and eligibility updates through authorised government portals or implementing agencies.
Are there deadlines for applying to Aapki Beti Hamari Beti?
Some schemes may operate through fixed application windows, annual registration cycles, or department-specific deadlines depending on scheme implementation policies.
Can beneficiaries track application status for Aapki Beti Hamari Beti?
Certain schemes may provide online application tracking, beneficiary verification systems, or status-check facilities through official portals.
Where can users get help for Aapki Beti Hamari Beti in Haryana?
Users in Haryana may seek assistance through CSC centres, district welfare offices, government departments, agriculture offices, social welfare departments, or authorised facilitation centres.
Which nearby public services may help with Aapki Beti Hamari Beti applications?
Depending on the scheme, users may require support from Aadhaar centres, CSC centres, banks, hospitals, post offices, or government welfare offices for document verification and application assistance.