Goa Ladli Laxmi Scheme 2026 – ₹1 Lakh FD for Girls

Goa’s Laadli Laxmi Scheme has been running since 6 July 2012, and it’s structured a little differently from most girl-child schemes, the payout depends on whether you’re claiming it as an unmarried adult or as a married beneficiary, and it’s built around a bank fixed deposit rather than staged cash installments through school life. Here’s the complete picture. Last updated: 29.09.2026.

Scheme details and amount

Note: We read the scheme as amended in the Official Gazette of 22.10.2020 on 29.09.2026. It corrects three things this page and many others got wrong. The married track is for women who turned 18 before 01.04.2012, not women born before that date. There is a hard one-year limit to apply, which most write-ups leave out. And the payout for an unmarried girl is a bank fixed deposit under clause III(1), rather than the NSC some sites describe. The gazette lists 11 earlier amendments since the scheme began on 06.07.2012, so an old form or leaflet may carry rules that no longer apply.

Important Links

Note: The Goa portal carries the scheme notifications. The Goa loan is interest-free for Goa students. MP Ladli Behna pays Rs 1,500 a month, and its page covers e-KYC and instalment status. Ladki Bahin pays Rs 1,500 a month to Maharashtra women aged 21-65.

Since this is an offline, document-heavy process with no online tracking, keep photocopies of everything you submit and get a dated acknowledgement from the Directorate. It’s the only proof you’ll have while the application is processed.

Two payout tracks, which one applies to you

Unmarried girls turning 18 on or after 1 April 2012: ₹1,00,000 is placed in a bank Fixed Deposit, jointly held by the Director of DoWCD and the applicant. The FD auto-renews annually with interest and stays that way until you claim it or turn 45, whichever comes first. This means the longer it sits unclaimed within that window, the more it can grow with accrued interest, though the ₹1,00,000 principal is the guaranteed base figure.

Married beneficiaries aged 19 to 45 who turned 18 before 1 April 2012: a one-time cash assistance of ₹1,00,000, paid directly rather than through the FD structure.

Some sites describe the instrument as an NSC (National Savings Certificate). The amended scheme settles it. Clause III(1) says the unmarried payout is a bank fixed deposit held jointly with the Director, renewed each year with interest until the claim or age 45, whichever is earlier.

Who qualifies

• Born in Goa.
• Resident of Goa for the last 15 years continuously.
• At least one parent must either be born in Goa AND resident there for 15+ years, OR resident in Goa for 25+ years regardless of birthplace.
• If the girl was born outside Goa: she must still be a Goa resident for 15 years, educated in Goa for at least 7 continuous years, and the same parent-residency condition above must be met.
• Family annual income must not exceed ₹3,00,000.

Submission office and the attachments

This is an offline-only scheme. There is no online application portal. The form costs Rs 100 and is filed with the Director of Women and Child Development, Panaji, within one year of turning 18 or of civil marriage registration.

1. Collect the Laadli Laxmi application form from the Directorate of Women and Child Development.
2. Fill in the applicant’s and parents’ details completely, matching your certificates exactly.
3. Attach all required documents (listed below).
4. Submit it to the Directorate and keep your acknowledgement or receipt.
5. The FD (or cash assistance, depending on your track) is processed after verification.

Documents required

• Girl’s birth certificate
• Passport-size photograph
• Aadhaar card
• Marriage certificate (only for the married-beneficiary track)
• Parent’s residence certificate
• Parent’s birth certificate
• Self-declaration form
• Income certificate (family income below ₹3 lakh)
• Bank account details

Claiming the FD at maturity or age 45

Unmarried beneficiaries can claim the matured FD any time up to age 45. Once claimed, or once 45 is reached (whichever happens first), the scheme’s obligation is considered fulfilled. If your circumstances change from unmarried to married before you claim, check with the Directorate on how that affects your specific FD status, the two tracks have different payout mechanics, and clarifying this in person avoids surprises at claim time.

Written By: GD Sarkari Naukri Desk

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