Dhana Lakshmi scheme Online Apply


The Dhanalakshmi scheme primarily focuses on reducing the female infanticide cases in India using the options of insurance cover. The scheme also has been supporting the girl child education and is known to offer an alluring insurance Dhan Laxmi Mahila Yojana that helps in preventing early marriages. To reduce the overall amount of female infanticide cases that has been taking place in the country the Women and Child Development Organization and the government together have launched the Dhanalakshmi scheme.

What is the launch of the Dhanalakshmi scheme?

Renuka Chowdhury launched the Dhanalakshmi scheme that helps in reducing the female infanticide cases in the country. Not just this but there are many more other schemes that have come up as attraction options that have been introduced for the betterment of the girl children. Backed up by the government, Renuka Chowdhury who was then Minister of the Women and Child Development Organization introduced this scheme. In a small time, it gained more than 5000 applicants to form 11 backward states which certainly is a huge response.

Objectives of Dhanalakshmi Scheme

  • The primary objective of the Dhan Laxmi scheme of government is to offer the financial incentives set for the families and thus encourage them for retaining the girl child. It helps in motivating them to educate the girl and then prevent her from getting married at an early age while covering certain medical expenses for girls.

  • The scheme also focuses on reducing the female infanticide cases that surely till date is an alarming rate in most states in the country. The pradhan Mantri Dhana Lakshmi Yojana has been aiming the early child marriage eradication by providing the parents with an amazing insurance cover. It thus encourages the parents to educate the girl child and value the child by not treating her as a liability.

  • With such a scheme, female infanticide cases minimize in India by the means to offer insurance cover. The scheme also offers education for girl children while alluring insurance schemes to protect early marriages.

  • It offers incentives through cash for the parents to save that they can have a belief that a girl child can bring a promising future.

  • This Dhana Lakshmi Yojana has been introduced by the government and it has been years now. But there are now so many perspectives with more stress given on the girl child.

Eligibility for Dhanalakshmi Scheme

 To be eligible, it is expected that the applicant falls under the criteria set. Since the Dhana Lakshmi scheme online offers cash incentives for the parents, the eligibility criteria are:

  • All girl children born after November 8, 2008, can be held eligible for the scheme

  • All girl children, despite the number of girl children in the family, were eligible.

  • All girl children, irrespective of their socio-economic status, were eligible.

  • The girl child must be an Indian resident.

Benefits of Dhanalakshmi Scheme

  • Those girls who are born after November 8, 2008 while are registered under the scheme and the government was entitled to get an initial cash incentive of Rs.5,000.

  • For those girl babies 6 weeks to 24 months, there is a scope of an immunization cash incentive that is total to Rs.1,250. This has also covered the parent's cost for bearing the immunization of the child in the Backward states of India.

  • The Dhan Laxmi scheme also covered the education cost of the child from enrolling till the retention in the school and till the 8th grade.

  • For school enrolment, patients are entitled to get a cash incentive of Rs.1,000.

  • From class 1 to class 5, patients are entitled to get a cash incentive of Rs.500 each year

  • For the secondary school education of the girl child, patents are entitled to get a cash incentive of Rs.750 every year.

  • To prevent child marriage, patients are entitled to get an insurance cover of Rs.1 lakh when the girl turns 18-years-old and if she is not yet been married.

  • The incentives of the cash completely condition and it all depends on the girl's age. Suppose if the girl child is in Grade 1, then she can receive the cash incentives for her education and not for the birth registration

  • This is a non-extent scheme for now that focuses more on women empowerment in the backward states of the country. It highlights the value of their life while there are so many girls who have availed the advantages of it.


To reduce the number of female infanticide cases increasing number in the country, the government has agreed to offer the insurance along with an education incentive. This is one good initiative by the Women and Child Development Organization and government that has shown some positive reasons. It did bring many things in perspective with regards to the girl child. The scheme was even backed by the government and later Renuka Chowdhury introduced it. With such more options that shall come into existence, in no time, India will be a free country from gender biases. Girl child can surely help the family grow and its value can only be understood by them if they opt for such a valuable scheme rather than getting rid of her by marrying her at an early age.

Questions and answers:

What are the Objectives of Pradhan Mantri Dhan Laxmi Yojana 2021?

This scheme is designed for bringing equality and letting women be self-reliant and empowered. The poor and middle-class women of the country can take benefits from this. It also focuses on curing the declining sex ratio in the country

What are the major advantages of this scheme?

There will not be any interest on the loan while the amount that a beneficiary gets in the scheme gets transferred by the central government to the bank account of the beneficiary woman. This is an amazing scheme that offers loans up to five lakh rupees which can be repaid in 30 years at 0% interest.