She was born as Frances Henrietta Rickards, the daughter of Arthur G. Rickards, KC. She had a private education. In 1906 she married Francis Hugh Stewart, a Calcutta merchant. That year, she returned with him to India, where they lived and raised a family. They had three sons and four daughters. In 1916, her husband was knighted, which gave her the title of Lady Stewart. They returned to Britain in 1919. Sir Francis died in 1921.‘STEWART, Frances Henrietta, (Lady Stewart)’, Who Was Who, A & C Black, an imprint of Bloomsbury Publishing plc, 1920–2007; online edn, Oxford University Press, Dec 2012 ; online edn, Nov 2012 accessed 6 Dec 2013
