“starts having a chiuv to perform the mitzvos”
That is equally true for girls.
The mitzvos might be different and the triggering age is different, but the chiuv (obligation) is the same.
For many girls the Bat or Bas Mitzvah if done correctly can be a strong boost start for a lifetime of Torah and Mitzvos.
We live in a new generation and each family with a girl approaching age 12 needs to get advise from their own local Rabbi.