Namo Lakshmi Yojana 2025: ₹50,000 Direct Benefit Scholarship for Girls
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The Namo Lakshmi Yojana 2025 is a transformative initiative introduced by the Government of Gujarat to promote loan-free education for girl students. With an assured scholarship of ₹50,000, this government-funded girl education scheme is designed to reduce school dropout rates and financially empower underprivileged families. The scheme is one of the highest-paying student support programs in India, exclusively targeting girls in Class 9 to 12
Top Features of Namo Lakshmi Yojana 2025
- 💰 Total Scholarship Amount: ₹50,000
- 🧒 Beneficiaries: Girls studying in Class 9, 10, 11, and 12
- 🏫 Applicable Institutions: Government, aided, and private schools under Gujarat Board or CBSE
- 💳 Disbursement Mode: Direct Bank Transfer (DBT)
- 👨👩👧👦 Family Income Limit: ₹6 lakh/year or below
This direct bank transfer scholarship eliminates intermediaries and ensures funds are credited securely to the student’s or mother’s bank account every month.
Scholarship Structure & Year-Wise Payouts
| CLASS | MONTHLY SCHOLARSHIP | ANNUAL BOARD BONUS | YEARLY TOTAL |
|---|---|---|---|
| Class 9 | ₹500 × 10 months | — | ₹5,000 |
| Class 10 | ₹500 × 10 months | ₹10,000 | ₹15,000 |
| Class 11 | ₹750 × 10 months | — | ₹7,500 |
| Class 12 | ₹750 × 10 months | ₹15,000 | ₹22,500 |
Total Assistance Over 4 Years: ₹50,000
This is one of the few high-ticket educational schemes for girl students in India where no repayment or collateral is required. This is a completely loan-free education support system, funded and guaranteed by the Gujarat state government.
Why This Scheme Matters – Boosting Female Literacy & Financial Security
The Namo Lakshmi Yojana is not just about cash transfers — it’s about systemic change. Here’s what makes it a model for India’s scholarship ecosystem:
- Prevents early school dropouts in Classes 9–12.
- Encourages girls to pursue science and commerce streams after Class 10.
- Reduces dependency on private education loans.
- Acts as a gateway to skill development programs and higher education grants.
- Promotes female financial inclusion by transferring funds to their or their mother’s bank accounts.
By investing ₹1,250 crore in this initiative, the Gujarat government has also shown its commitment to reducing gender inequality in education and promoting long-term empowerment.
Eligibility Criteria
To benefit from the Namo Lakshmi high-value girl child scheme, the following conditions must be met:
- The applicant must be a female student residing in Gujarat.
- She must be studying in Class 9, 10, 11, or 12 in a recognized institution.
- The annual family income must be less than ₹6 lakh.
- The student must have successfully passed the Class 8 examination in Gujarat.
- Aadhaar-linked bank account is mandatory for receiving DBT.
Required Documents
To receive funds under this direct benefit scholarship program, students will need:
- Aadhaar Card of student and mother
- Class 8 passing certificate
- School identity card
- Recent passport-size photograph
- Valid mobile number linked with Aadhaar
- Income certificate (Form 16 or government-issued)
- Bank passbook or account details of mother/student
How to Apply for Namo Lakshmi Yojana 2025
There is no online self-registration for students. The application process is managed internally by schools through the Child Tracking System (CTS). Here’s the step-by-step process:
- Schools verify the eligibility of each girl student.
- Documents are collected and uploaded by the school’s nodal officer.
- The government processes payments via Direct Benefit Transfer every month.
- Students/parents can track payment status through the CTS portal or school authorities.
Important: No third-party agent is involved. This ensures full transparency and protection from fraudulent schemes.
Latest Update: Over ₹600 Crore Disbursed in 2025
As of June 2025:
- Over 10.83 lakh girl students have received benefits.
- Over ₹600 crore has been disbursed directly to students’ accounts.
- Girls opting for science stream after Class 10 have increased by 27%, thanks to complementary schemes like Namo Saraswati Vigyan Sadhana.
This data makes it clear that Namo Lakshmi Yojana is one of the most effective and high-budget girl education initiatives currently operational in India.
Important Links
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