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How to Apply for Karnataka Bhagyalakshmi Yojana 2026

KA Bhagyalakshmi - bond ₹35K-42K for girl child. ₹1L on 18th birthday. BPL families.

📁 StateSchemes ⏱️ 30-45 mins 💰 Free

About This Guide

Karnataka Bhagyalakshmi Yojana provides ₹35,000-42,000 bond at birth (matures to ₹1,00,000+ at 18). Plus health insurance ₹1L cover, monthly scholarship ₹300-1,000 (Class 5-12). For BPL families with girls born after 31 March 2006. Up to 2 girls per family.

Eligibility Criteria

Karnataka BPL family
Girl child born after 31 March 2006
Up to 2 girls per family
Aadhaar mandatory
Birth registered within 1 year

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

Aadhaar (girl + parents)
BPL ration card
Birth certificate
KA domicile
Bank passbook (mother)
Photo
Income proof

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Visit DWCD Karnataka

dwcdkar.karnataka.gov.in.

Or Anganwadi

Walk-in.

Apply Bhagyalakshmi

Within 1 year of birth.

Submit Documents

Birth cert + BPL critical.

Bond Issued

₹19,300-25,400 for 1st girl, slightly higher for 2nd. Matures to ₹1L+.

Annual Health Insurance

₹1L cover.

School Scholarships

Class 5-12. Auto-credited.

18th Birthday

Bond redeemed. Girl gets ₹1L+.

Key Benefits

₹1 lakh+ at 18
₹1L health insurance
Class 5-12 scholarship
BPL focus
2 girls covered
Long-term planning
KA-specific

What Happens After Application?

18 years for full benefit.

Frequently Asked Questions

Above 1-year birth registration?

Difficult. Strict 1-year window. Late: not eligible.