Namo Lakshmi Yojana Gujarat 2026: Benefits, Eligibility & How to Apply
- Quick Summary
- Scheme Purpose and Educational Impact
- Structured Class-Wise Benefit Breakdown
- Eligibility Criteria
- Step-by-Step Enrollment and School Verification
- Board Examination Milestone Grants and Bank Protocols
- 1. Board Exam Roll Number Mapping
- 2. Minor Student Bank Account Guidelines
- Required Documentation
- Checking Application and Disbursal Status Online
- Official Portals and Contact Numbers
- Frequently Asked Questions
- Can a student studying in a private unaided school receive this benefit?
- Is the scholarship paid directly to the student or to the school?
- What happens if a student has to repeat a class?
- Can a student receive both Namo Lakshmi and state transport bus concessions?
Quick Summary
| Metric | Specification |
|---|---|
| Scheme Name | Namo Lakshmi Yojana |
| State | Gujarat |
| Administering Department | Department of Education, Government of Gujarat |
| Target Group | Girl students studying in Classes 9 to 12 |
| Total Financial Assistance | ₹50,000 disbursed across 4 academic years |
| Class 9 & 10 Grant | ₹10,000 per year (₹500/month for 10 months plus ₹5,000 on passing Class 10 board) |
| Class 11 & 12 Grant | ₹15,000 per year (₹750/month for 10 months plus ₹7,500 on passing Class 12 board) |
| Eligible Institutions | Government schools, grant-in-aid schools, and recognized private schools |
| Family Income Ceiling | Annual household income up to ₹6,00,000 |
| Disbursement Mechanism | Direct Benefit Transfer into mother's or student's Aadhaar-seeded bank account |
| Official Web Portal | https://www.digitalgujarat.gov.in |
| Integrated School MIS | https://vidyasamiksha.gujarat.gov.in |
| Department Helpline | 079-23253443 |
| State Education Toll-Free Desk | 1800-233-5500 |
Scheme Purpose and Educational Impact
The Namo Lakshmi Yojana is Gujarat's premier educational incentive and nutritional support initiative for adolescent girls. Introduced to combat secondary school dropout rates, promote higher secondary completion, and improve maternal and child health outcomes, the program provides ₹50,000 in direct financial assistance to every qualifying girl studying from Class 9 through Class 12.Many adolescent girls in semi-urban and rural areas discontinue formal schooling after primary or middle school due to domestic economic constraints. By tying substantial financial disbursements directly to continuous school attendance and board examination completion, the Gujarat administration provides families with clear, recurring financial incentives to keep their daughters enrolled through high school graduation.
Structured Class-Wise Benefit Breakdown
The ₹50,000 total assistance is distributed progressively across four academic years:
| Class Stage | Monthly Allowance (10 Months) | Board Exam Milestone Bonus | Total Yearly Assistance |
|---|---|---|---|
| Class 9 | ₹500 per month (₹5,000 total) | Transferred upon advancing to Class 10 | ₹10,000 |
| Class 10 | ₹500 per month (₹5,000 total) | ₹5,000 credited upon passing GSEB Board Exam | ₹10,000 |
| Class 11 | ₹750 per month (₹7,500 total) | Transferred upon advancing to Class 12 | ₹15,000 |
| Class 12 | ₹750 per month (₹7,500 total) | ₹7,500 credited upon passing Class 12 Board Exam | ₹15,000 |
| Total Grant | ₹25,000 across 4 academic years | ₹25,000 performance milestone grants | ₹50,000 |
Monthly stipends cover school supplies, uniforms, nutrition, and local transportation. Milestone bonuses reward students upon successfully clearing their state secondary and higher secondary board examinations.
Eligibility Criteria
To qualify for benefits under the Namo Lakshmi Yojana, students must satisfy all following requirements:
- State Residency: The student must be a permanent resident of Gujarat.
- Gender: The scholarship applies exclusively to female students.
- Academic Enrollment: The girl must be enrolled as a regular, full-time student in Class 9, 10, 11, or 12 in a government school, a grant-in-aid school, or a state-recognized private secondary school.
- Attendance Benchmark: Regular monthly attendance of at least 75% across the academic calendar year is required.
- Household Income Limit: Family income must not exceed ₹6,00,000 per annum.
- Bank Account Setup: An active savings bank account in the student's name, or a joint account with her mother, linked with Aadhaar on the NPCI gateway.
Step-by-Step Enrollment and School Verification
Gujarat integrates the application process directly into the state school reporting machinery, minimizing paperwork for parents:
- School-Level Data Entry: School authorities (Principals and designated nodal teachers) enter student demographic information and attendance data directly through the state educational database (Vidya Samiksha Kendra portal).
- Document Handover: Parents submit copies of the student's Aadhaar card, mother's Aadhaar card, family income certificate, and bank account passbook to the school headmaster.
- Digital Gujarat Portal Verification: School administrators upload and cross-verify records on the centralized Digital Gujarat portal (digitalgujarat.gov.in).
- District Scrutiny: The District Education Officer (DEO) verifies student batches and forwards approved rosters to the state treasury.
- Direct DBT Credits: Monthly allowances and board exam incentives credit directly into the mother's or student's verified bank account. Parents receive transaction alerts via automated SMS.
Board Examination Milestone Grants and Bank Protocols
The milestone bonus payments of ₹5,000 for Class 10 and ₹7,500 for Class 12 reward secondary school completion and require automated data synchronization between the Gujarat Secondary and Higher Secondary Education Board (GSEB) and the Education Department:
1. Board Exam Roll Number Mapping
When girl students fill their GSEB SSC (Class 10) or HSC (Class 12) board examination registration forms, school authorities cross-reference their 18-digit Student Unified ID with their board examination seat number. Once official examination results are declared by GSEB, the state education server identifies all passing candidates automatically, without requiring manual claims from parents.
2. Minor Student Bank Account Guidelines
Students under 18 years of age can receive disbursements through two approved banking modes:
- An individual zero-balance minor savings account opened under the Pradhan Mantri Jan Dhan Yojana at any public or private bank branch, or at an India Post Payments Bank counter.
- A joint savings bank account opened with the student's mother as primary guardian. If the mother is deceased, the legal guardian's name and Aadhaar credentials serve as the authorized link.
School principals review bank IFSC codes annually prior to board examination registrations to ensure branch mergers or bank consolidations have not altered routing codes.
Required Documentation
Ensure clean, legible copies are submitted to the school administration:
- Student's Aadhaar Card.
- Mother's Aadhaar Card (or legal guardian's Aadhaar card if parents are deceased).
- Official school admission certificate and Student Identity Number (UID).
- Income Certificate issued by an authorized revenue officer (Tahsildar/Talati) showing annual family income under ₹6,00,000.
- Bank savings account passbook showing the account number, IFSC code, and branch address with verified Aadhaar seeding.
- Previous academic year marksheet showing successful promotion.
- Two recent passport-size photographs of the student.
Checking Application and Disbursal Status Online
Parents and students can check application verification and payment status through the citizen portal:
- Open digitalgujarat.gov.in.
- Select Citizen Services and log in using your registered mobile number or email credentials.
- Select Scholarship Status Tracking from the citizen dashboard.
- Enter the student's Student Unified ID or Application Reference Number.
- The dashboard presents the school verification stage, DEO approval status, and the date and UTR number of bank credits.
Official Portals and Contact Numbers
| Service Office | Access URL / Helpline |
|---|---|
| Digital Gujarat Official Portal | https://www.digitalgujarat.gov.in |
| Vidya Samiksha Kendra Portal | https://vidyasamiksha.gujarat.gov.in |
| Gujarat Education Department | https://gujarat-education.gov.in |
| Department Office Phone | 079-23253443 |
| State Education Toll-Free Helpline | 1800-233-5500 |
| CM Grievance Cell (SWAGAT) | https://swagat.gujarat.gov.in |