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What is the Scheme?
The Government of India officially unveiled its highly ambitious program called Beti Bachao Beti Padhao or BBBP scheme on 22nd January 2015. The launch took place at Panipat in Haryana for this national program operated by the Ministries of Women and Child Development, Human Resource Development, and Health & Family Welfare.
Objectives of the Scheme
The scheme aims at tackling discrimination inherent in society that is faced by girls while changing the mindset of citizens in the country. The scheme seeks to address a wide gamut of issues including the reducing child sex ratio (CSR) and also enhance women empowerment while eliminating gender-based inequalities while also safeguarding girl children.
Education of girl children and their societal participation are other objectives of the scheme. The scheme will seek to address the CSR issue through mass pan-Indian campaigns while it will also have multi-sectoral Government interventions in 100 districts that are labeled as gender-critical as per the Census of 2011.
Key Features of Beti Bachao Beti Padhao Yojana
- Setting up debates and discourses relating to reducing Child Sex Ratio (CSR) with a goal towards spreading awareness and ensuring improvement.
- Encouraging community participation and working towards better development relating to the growth and birth of a girl child.
- Setting up mass communication initiatives for disseminating information related to the BBBP scheme.
- Training local governing authorities and also including employees of government organizations and schools in the rally for societal change.
- BBBP scheme aims at safeguarding girl children and also at stopping inhuman acts like foeticide and female infanticide.
- Promotion of women’s participation in education is a key feature, ensuring that every girl child gets suitable access towards education.
- The scheme aims at improving the child gender ratio in States like Uttarakhand, Delhi, Punjab, Haryana, and Uttar Pradesh.
- Another objective of the scheme is the prevention of child marriage and the safety of girl children from related physical and mental harassment along with domestic violence.
- The promotion of gender equality is another key feature of the scheme throughout the country.
- Financial security for girl children is encouraged through the BBBP scheme and with a view towards securing their future education, growth, and development.
Eligibility for the scheme
When it comes to eligibility for the Beti Bachao Beti Padhao scheme, here are the key points to be kept in mind.
- The family should have a girl child below 10 years of age.
- There should be a Sukanya Samriddhi Account or SSA which has been opened in any Indian bank, in the name of the girl child in the family.
- The girl child should be a resident Indian. NRI citizens do not possess eligibility for the BBBP scheme.
Bet Bachao Beti Padhao – Documents Required
There are a few documents that are required for the successful implementation of this scheme. Here is a tally of the documents which you will need in this regard:
- Birth Certificate has been issued by any government body that is suitably recognized or a hospital.
- Proof of Identity of the Parents, namely Ration Card and Aadhar Card among others.
- Proof of Address, namely Utility bills such as telephone bill, electricity bill or water bill and also Driving License or Passport among others.
- A passport size photograph will be required too.
You can easily apply for the Beti Bachao Beti Padhao scheme by visiting the post office or bank where this scheme is readily available as a first step. Thereafter, you have to fill up the application form for BBBP/SSA by yourself and attach all supporting documents needed with the same. You have to submit these documents to the concerned authority for opening an account in your girl’s name and for her to reap the benefits in the future.
Benefits of the Scheme
There are numerous tangible and societal benefits of the BBBP scheme. A girl child may open an account under this scheme for attaining financial security in the future. The account remains exempted under the Act 1961 u/s 80C. The girl child’s account will remain completely tax-free and this means that no money will be deducted in the form of taxes from this account. Under the Beti Bachao Beti Padhao Yojana, a savings scheme known as the SSA (Sukanya Samriddhi Account) has been unveiled.
This account is exclusively for girl children where guardians or parents of the child may easily save money for daughters. This may be used for the marriage or education of the girl child in the future. The account will have zero tax deductions which is a massive benefit. This will solve the issue of girl children being perceived as financial burdens in several parts of the country which is a shameful way of thinking and practice. There is a decent rate of interest on this account and withdrawal is only allowed for the girl child when she attains the age of 18 years. This will offer financial security when the girl transforms into an adult citizen of India.
Here are the benefits in a nutshell:
- Financial and social independence of girls.
- Tax-free nature of the account, withdrawals only post girls turning 18.
- Easy savings facility for daughters courtesy of parents or guardians.
- Generation of awareness regarding issues of girls and women.
- Improving delivery of welfare services for women.
- Address declining CSR (child sex ratio) in critical States and regions.
- 8.1% interest rate (per annum) on Sukanya Samriddhi Yojana accounts.
- The maximum deposit limit is Rs. 1.50 lakh per annum.
- Promoting better education and inclusion for women.
Beti Bachao Beti Padhao – Frequently Asked Questions
- When was the scheme launched?
The Beti Bachao Beti Padhao scheme was launched on the 22nd of January, 2015 in Haryana.
- Is SSY similar to BBBP?
SSY is a vital part of the Beti Bachao Beti Padaho initiative by the government of India. The full form of SSY is the Sukanya Samriddhi Yojana. This account can be opened in the name of the girl child by the parents or guardians.
- What is the interest rate on the accounts of the girl child?
The rate of interest is 8.1% per annum for these accounts.
- When are withdrawals allowed?
The money can only be withdrawn once the girl turns 18.
- What is the maximum deposit limit in a year?
Rs. 1.5 lakh is the maximum amount that can be deposited in a year.