Families with a third or subsequent eligible Singapore citizen child born on or after 18 February 2025 will receive:
*LFLC also applies to existing large families with at least 1 child aged 1 to 6.
The Large Families Scheme (LFS) by the Ministry of Social and Family Development (MSF) aims to strengthen support for Singaporeans who have 3 or more children.
No registration is required for the scheme. Once your child is enrolled into the Baby Bonus Scheme, MSF will assess their eligibility for LFS.
A child of third or subsequent birth order born on or after 18 February 2025 will qualify for a $5,000 increase in the Child Development Account (CDA) First Step Grant (FSG), bringing the total CDA FSG to $10,000. This amount can be used to defray preschool and healthcare expenses for the child and his/her siblings in a large family.
Your child is automatically eligible for the increased CDA FSG if they are enrolled onto the Baby Bonus Scheme and:
The full amount of $10,000 will be credited if at least one of the eligible child’s parents is a Singapore citizen at the time of the child’s birth. The amount will be pro-rated if both parents are non-Singapore Citizens at the time of the child’s birth and child subsequently become a Singapore Citizen.
A child of third or subsequent birth order born on or after 18 February 2025 will qualify for the Large Family MediSave Grant (LFMG). This will be paid into the mother’s CPF MediSave Account, and she may use it to pay for medical expenses for her and her family members.
Your child is automatically eligible for the LFMG if they are enrolled onto the Baby Bonus Scheme and:
The child’s mother will be the default recipient if she is:
If the mother does not meet the eligibility criteria, the child will be the eligible recipient.
The full amount of $5,000 will be credited to the CPF MediSave Account if at least one of the eligible child’s parents is a Singapore Citizen at the time of the child’s birth. The amount will be pro-rated if both parents are non-Singapore Citizens at the time of the child’s birth and the child subsequently becomes a Singapore Citizen.
Each third or subsequent child will qualify for $1,000 annually in Large Family LifeSG Credits (LFLC), from the year that the child turns 1 to the year that the child turns 6. These credits can help to defray a wide range of household expenses.
LFLC will be valid for 12 months. The Child Development Account (CDA) trustee of each eligible child will receive the LFLC automatically. LFLC recipients will be notified via SMS after the LFLC has been credited to their digital wallet in the LifeSG app.
To qualify, your third or subsequent child must meet all the following eligibility criteria:
To check which of your children count towards your family’s eligibility for LFLC, you may refer to the LFLC factsheet.
LFLC will be paid every year to the CDA trustee of the eligible child in MSF’s records as of the eligibility assessment date. The following requirements must be met:
For marriages registered overseas, your marital status must be updated in your Singpass profile before MSF can assess eligibility for LFLC.
To receive LFLC, families must meet the eligibility criteria by 1 March every year to receive LFLC in April of the same year. However, the first LFLC payment in 2025 will be made from 10 September to families who meet the eligibility criteria by 1 August 2025.
Do note that eligibility is re-assessed every year. If there are changes to the family’s eligibility after the eligibility assessment date, only the next year’s LFLC disbursement will be affected.
LFLC will be credited into the child’s CDA trustee’s digital wallet in the LifeSG app. LFLC in the LifeSG app can be used via PayNow UEN QR or NETS QR.
To encourage whole-of-society support for large families, the Government is partnering with corporates to offer exclusive benefits for large families.
Families with three or more children may enjoy deals and privileges provided by select merchants.
Your CDA savings can be used to defray preschool and healthcare expenses for your child. For more details on how to use your CDA savings, please visit the CDA section on the Baby Bonus website.
The Large Family MediSave Grant can be used to pay for medical expenses for you and your family members. This includes MediShield Life premiums, recommended childhood vaccinations, hospitalisation, and approved outpatient treatments.
For more details on the uses of MediSave, please visit the MediSave section on the MOH website.
The annual Large Family LifeSG Credits (LFLC) will be paid to the CDA trustee of the eligible child via the LifeSG app digital wallet.
LFLC can be spent at online and physical merchants accepting payment via PayNow UEN QR or NETS QR.
Enjoy corporate deals and privileges provided by partnered merchants.
Paid out around 2 weeks after the CDA is opened for the third or subsequent child.
Paid out around 2 weeks after successful enrolment into the Baby Bonus Scheme.
LFLC will be paid to the CDA trustee of the eligible child in MSF’s records as of the date your eligibility is assessed.
Recipients will be notified via SMS by MSF once the credits have been disbursed into their LifeSG app digital wallet. Please make sure your CDA trustee details in MSF’s records, as well as your contact details in your Singpass profile, are correct and up to date.
To check if your child is eligible for the various Large Families Scheme benefits, please refer to the eligibility criteria for each benefit on this page.
Eligible recipients will be notified by MSF through either:
To be notified upon disbursement for the Large Family LifeSG Credits, please ensure your mobile number in your Singpass profile is accurate.
Large Family LifeSG Credits: given annually to married or ever-married parents, including widowed or divorced parents, in large families. Each third and subsequent Singapore citizen child will be eligible for it from the year that the child turns 1 to the year that the child turns 6.
Child LifeSG Credits: a one-off support measure introduced as part of Budget 2025 given to all families with at least 1 child aged 0 to 12 in 2025. This is regardless of the number of children in the family.
Child LifeSG Credits
Large Family LifeSG Credits
*From 2026 onwards, Large Family LifeSG Credits will be disbursed in April of each year for eligible children aged 1 to 6.
The Large Family LifeSG Credits (LFLC) will be paid into the LifeSG app digital wallet of the eligible child’s Child Development Account (CDA) trustee.
To qualify for the LFLC payment, families must meet the eligibility criteria by the date eligibility is assessed. Eligibility is re-assessed every year.
To check how different family types can benefit from the LFLC, please refer to the LFLC factsheet.
The Large Family LifeSG Credits are given to CDA trustees with 3 or more living eligible children. The children must be related by birth, adoption, or step-relations.
To check which of your children count towards your family’s eligibility for LFLC, you may refer to the LFLC factsheet.
Large Family LifeSG Credits (LFLC) are given to the CDA trustee in MSF's records as of the eligibility assessment date, which is the first day of the month before the payment month. For example, if your family qualifies for LFLC payment in September 2025, the credits would be paid to the CDA trustee of the eligible child as of 1 August 2025.
To change the CDA trustee, the current trustee can do so directly with the bank where the CDA is held using the internet banking app or the bank’s online portal. Both of the child’s parents must discuss and agree on who the CDA trustee should be.
Alternatively, the child’s parent who has been given the care and control of the child may provide a copy of the court order.
The Large Families Scheme builds on existing marriage and parenthood support such as the Baby Bonus Scheme. These are brief differences between the 2 schemes:
For a full list of FAQs, please refer to the AskGov LFS FAQs page.
Find out how to enrol for the Baby Bonus Scheme or change your child’s CDA trustee.
View a summary of the benefits you’ve already received from the Large Families Scheme.
To learn more about the Child LifeSG Credits, please visit the Child LifeSG Credits webpage.