Sukanya Samriddhi Yojana: Sukanya Samriddhi Yojana Information SSY

Sukanya Samruddhi Yojana: Various schemes are run by the Government of India to make the future of girls bright and secure. Like Dear Daughter Yojana, Ladli Lakshmi Yojana, Cycle Assistance Yojana etc. Apart from this, savings schemes are run. Income tax exemption and higher interest rates are offered. So that people are encouraged to invest in these schemes and the future of daughters can be secured. Today we are going to give you information related to one such scheme launched by the central government. Its name is Sukanya Samriddhi Yojana.

Through Sukanya Samriddhi Yojana, the beneficiary can invest a large amount for his daughter’s education or marriage. Through this article you will get all important information regarding Sukanya Samriddhi Yojana. Apart from this, you will also get information related to eligibility, important documents and application by reading this article.

Sukanya Samriddhi Yojana: Sukanya Samriddhi Yojana Information

યોજનાનું નામસુકન્યા સમૃદ્ધિ યોજના SSY
યોજનાનો ઉદ્દેશદીકરીઓના ભવિષ્યને ઉજ્જવળ અને સુરક્ષિત બનાવવા
લાભાર્થીદેશની પાત્રતા ધરાવતી તમામ દીકરીઓ
એકાઉન્‍ટ ક્યારે ખોલાવવાનું રહેશે?પુત્રીની ઉંમર 10 વર્ષની થાય તે પહેલાં ખાતું ખોલાવવું પડશે.
કેટલા રૂપિયા સુધી પ્રિમિયમ ભરી શકાયરૂપિયા 250 થી રૂપિયા 1.5 લાખ સુધી
Sukanya Samriddhi Yojana Interest Rateરોકાણ પર 7.6% ના દરે વ્યાજ મળશે.
Who can benefit from Sukanya Samruddhi Yojana?
Any daughter residing in India whose age is less than 10 years can avail Sukanya Samriddhi Yojana.
A girl can open only one account Maximum two accounts can be opened in one family
Exception if twins are both girls then in such exception you can open account for both.
Account can be opened in post office or branches of defunct banks Account can be opened with a minimum of Rs 250.
Either of the parents can open the account, if the parent is not alive, the legal guardian can also open the account.
After the age of 10, the daughter can operate the account herself.
Bank account transfer of Sukanya Samriddhi Yojana can be done from one place to another.

Sukanya Samruddhi Yojana Required Documents
Birth certificate of baby girl
Address proof of parent/guardian
Identity proof of parent/guardian
Three photos of the child and parents
Xerox of PAN card and Aadhaar card of parent/guardian

Process of Sukanya Samriddhi Yojana
With this plan you can earn at least Rs. 250 and can deposit up to a maximum of Rs 1,50,000.
You can deposit money whenever you want during the year.
This scheme is similar to PPF scheme. Not only this, this scheme offers higher interest than PPF.
If you forget to deposit money in any year. Then you have to pay a penalty of 50 rupees.
If you want to get your daughter married at the age of 18, you can withdraw money under the pre-mature facility.
If you have two daughters you can open two accounts. But if there are more than two girls then you can open maximum only 2 accounts. Online deposit facility is also available.
You cannot take any kind of debt on this plan.
Parents or guardians can open an account in the post office under “Sukanya Samriddhi Yojana” for the girl child. In this scheme account can be opened for girls born on or after 2-12-2003. And mother and father can open account as guardian. In case of orphan girl a court appointed guardian can open the account. Accounts can be opened for up to two girls from one family under this scheme. And after opening an account with a minimum of one thousand rupees, a maximum of 1 lakh 50 thousand can be deposited in multiples of rupees 100 in a financial year, said RM Patel, Superintendent of Nanpura Post Office.

How to open SSY Sukanya Samriddhi Yojana account?

You go to your nearest post office and go there and fill the Sukanya Samruddhi Yojana form. Apart from that you can also download this form from internet or India Post website. Fill the form after taking daughter’s photograph and deposit it at the post office. It may be that some interstate post office official will also tell you that there is no such scheme. So wait a bit let this plan reach there.

Fill the form and duly sign it. .
Attach a photocopy of your ID and address proof and also attach a copy of your child’s birth certificate.
Attach two passport size photographs of yourself and your daughter.

Benefits of Sukanya Samriddhi Yojana
The government gives the highest interest rate in PPF account which in Sukanya Samriddhi Yojana offers higher interest rate than PPF account.
The Government of India will announce the interest rate on an annual basis which means there may be a different interest rate every year
Partial withdrawal facility of up to 50% when girl child turns 18 and account can be closed after 21 years
Under Section 80-C, tax relief can be availed from income tax
In case of death of the girl child, the account will be closed and the balance amount will be paid to the parent or legal guardian along with interest withdrawn.

Why open an account in Sukanya Samruddhi Yojana?
You can get an amount up to Rs 50 lakh
If you invest Rs 1,00,000/- every year in Sukanya Samruddhi Yojana, then you have to invest a total of Rs 14 lakhs, which if the government gives interest on this account at 8.5% compounded annually, after 21 years when the account matures, your Investment will be around 46,00,000/- On annual deposit of 1,50,000/- you can get Rs 70,23,249/-
Government can change Mr. Interest rate which interest rate varies from time to time.

Sukanya Samriddhi Yojana Calculator
The calculator helps to determine the maturity year and calculate the maturity amount. In short, it helps determine the growth of an investment over time. Below are some key details you need to enter to perform the calculations:

Enter the age of the girl
Amount of investment made (Maximum investment you can make is Rs. 1.5 lakh)
Current interest rate
Age of girls
Initial period of investment

Understanding Sukanya Samruddhi Yojana Investment Calculation
Suppose Mrs. Seema plans to invest in Sukanya Samruddhi Yojana with an amount of Rs. 3,000 is. The daughter is currently 5 years old and the investment will continue till she turns 21. Therefore, the current interest rate is 7.6% p.a. Also, here’s the calculation:

Total Investment Amount: Rs. 45,000 is
Maturity Year: 2024
Total Interest Rate: Rs. 86,841 has been kept
Maturity Value: Rs. is 1,31,841

Sukanya Samruddhi Yojana SBI બેંક ફોર્મઅહીં ક્લિક કરો
Sukanya Samruddhi Yojana પોસ્ટ ઓફિસ ફોર્મઅહીં ક્લિક કરો
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