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🇮🇳 State Scheme (Gujarat)

Namo Laxmi Gujarat — Calculations & Slabs for FY 2026-27

Check eligibility for Gujarat's Namo Laxmi scholarship for Class 9-10 girls and Class 11-12 girls in government or grant-in-aid schools.

1. Student & School Details

Required Documents Checklist

Identification Proofs

  • Aadhaar Card of the Student (Mandatory)
  • Aadhaar Card of the Mother
  • School ID Card or admission receipt
  • Gujarat Residence Certificate/Domicile

Academic & Financial Records

  • Mother's Bank Account Passbook (first page)
  • Verified Annual Income Certificate (under ₹6 Lakhs)
  • Class 10 Board Marksheet (for Science students claiming Namo Saraswati)
  • School Attendance report certifying ≥ 75% attendance

About Gujarat Secondary Scholarship Schemes

The Government of Gujarat offers two major secondary education scholarships starting from the 2024-25 academic session to increase enrollment and prevent dropouts in high schools: the Namo Laxmi Yojana and the Namo Saraswati Vigyan Sadhana Yojana.

Namo Laxmi Yojana

The Namo Laxmi scheme is targeted exclusively at girl students from Class 9 to Class 12. It provides a total financial incentive of ₹50,000 over 4 years. Girls receive ₹10,000/year in Class 9 and 10, and ₹15,000/year in Class 11 and 12. Payouts are made via DBT in monthly components during the school term, with the remaining balance paid upon passing the annual examinations.

Namo Saraswati Vigyan Sadhana Yojana

The Namo Saraswati scheme is open to both male and female students in Class 11 and 12 who choose the Science Stream. It provides ₹25,000 over 2 years (₹10,000 for Class 11 and ₹15,000 for Class 12). To qualify, the student must secure at least 50% marks in Class 10 Board Exams and choose Science in a government or aided school.

Combined Dual-Benefit Mechanism

A major feature is that a girl student taking the Science stream in Gujarat government or government-aided schools qualifies for both schemes simultaneously. This means she can receive a cumulative ₹25,000 in Class 11 and ₹30,000 in Class 12, creating an accelerated path to professional scientific careers.

Last verified: June 2026

Frequently Asked Questions (FAQ)

Namo Laxmi Yojana Gujarat eligibility criteria 2026

To be eligible for the Namo Laxmi Yojana in 2026, the applicant must be a female student residing in Gujarat, studying in Class 9, 10, 11, or 12 in a government, government-aided, or private school. The annual family income must be under ₹6 Lakh, and the student must maintain at least 75% school attendance.

Namo Laxmi Yojana Gujarat how to apply online

Applications for the Namo Laxmi and Namo Saraswati schemes are processed online directly by schools via the Child Tracking System (CTS) portal. Parents do not need to apply individually. They should submit their Aadhaar cards, mother's bank details, and income certificates to the school authorities.

Namo Laxmi Yojana Gujarat amount per month 2026

While paid annually, the Namo Laxmi benefit is designed as a monthly component: Class 9 and 10 girls receive ₹500/month for 10 months (₹5,000/year) plus ₹5,000 after passing the class. Class 11 and 12 girls receive ₹750/month for 10 months (₹7,500/year) plus ₹7,500 after passing, totaling ₹15,000/year. Science students receive additional benefits under Namo Saraswati.

Namo Laxmi Yojana Gujarat documents required

Required documents include: 1. Aadhaar Card of the student. 2. Aadhaar Card of the mother. 3. First page of bank passbook of the mother (for DBT). 4. Annual Income Certificate (family income under ₹6 Lakh). 5. Class 10 Marksheet (required only for Namo Saraswati science stream verification).

Where can I verify the source data for this calculator?

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.

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About This Calculator

Target Audience: Salaried taxpayers, investors & retirees planning Indian tax & wealth growth

What Does This Calculator Do?

This calculator checks eligibility and calculates combined scholarship benefits under Gujarat's Namo Laxmi Yojana and Namo Saraswati Vigyan Sadhana Yojana for class 9-12 students for FY 2025-26 and FY 2026-27.

How to Use It

  1. Residency & Gender: Confirm Gujarat residency and select the student's gender (female required for Namo Laxmi).
  2. Class & Stream: Select the current class (Class 9, 10, 11, or 12) and study stream (Science or Arts/Commerce/Vocational).
  3. School & Income: Choose the school type (Govt, Aided, or Private) and input the family's annual income (limit: ₹6 Lakhs/year).
  4. Attendance: Confirm if the student has maintained the mandatory 75% minimum school attendance.

The Logic Explained Simply

  • Namo Laxmi (Girls): Provides ₹50,000 over 4 years to girls in Classes 9 to 12. Class 9 & 10: ₹10,000/year. Class 11 & 12: ₹15,000/year.
  • Namo Saraswati (Science): Provides ₹25,000 over 2 years to Class 11-12 science stream students (both boys and girls). Class 11: ₹10,000. Class 12: ₹15,000. Required: 50%+ in Class 10 board.
  • Combined Benefit: A girl student studying Science in Class 11 or 12 qualifies for both schemes, securing a combined scholarship of up to ₹25,000 (Class 11) and ₹30,000 (Class 12).

Real-World Calculation Breakdown

A female student in Ahmedabad enters Class 11 Science at a government school:

  • Family Income: ₹2,50,000 (Eligible, below the ₹6,00,000 cap).
  • Namo Laxmi Benefit: Eligible for Class 11 girls allowance = ₹15,000/year.
  • Namo Saraswati Benefit: Enrolled in Science stream with 75% marks in Class 10 = ₹10,000/year.
  • Combined Payout: She receives a total of ₹25,000 for Class 11, disbursed directly to her bank account.

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