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What is Sukanya Samriddhi Yojana? Know all details

aadi by aadi
April 15, 2022
in News
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If you invest in Sukanya Samriddhi Yojana in the name of daughter, then the daughter gets good returns on attaining adulthood, which can be used for her education, marriage and other important and big expenses.

Sukanya Samriddhi Yojana has been started by the Narendra Modi government keeping in mind the better future of daughters. Under Sukanya Samriddhi Yojana, a guardian can open an account in the name of a girl child below the age of 10 years. Sukanya Samriddhi Yojana account can be opened in post office or any bank in India. This account can be opened for a maximum of two girls in a family. However, in case of birth of twin/triple daughters, more than two accounts can be opened. The returns under this scheme are very good at the interest rate. It provides financial security to the daughters.

Under the Sukanya Samriddhi Yojana, an annual interest rate of 7.6 percent is available, which is applicable from April 1, 2020. The account can be opened with a minimum initial deposit of Rs.250. The minimum deposit can be Rs 250 and the maximum deposit can be Rs 1.50 lakh (in multiples of Rs 50) in a financial year. Money can also be deposited in installments. There is also a provision to deposit lump sum. The amount deposited qualifies for deduction under section 80C of the Income Tax Act.

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This account will be operated by the guardian till the girl child attains the age of 18 years. Withdrawals can be made from the account after the daughter attains the age of 18 years or has passed 10th standard. Withdrawals can be made up to 50% of the available balance at the end of the preceding financial year. It matures after 21 years from the date of account opening or at the time of marriage (1 month before or 3 months from the date of marriage) after the daughter turns 18.

How to open account?

To open an account, parents or guardians have to submit the form by visiting the post office or SBI bank along with the initial amount and other required documents. This form will be available in the post office or bank only.

Documents for opening an account-

  • Birth certificate of the beneficiary.
  • Address proof and ID proof of the guardian or parents of the beneficiary.
Tags: Beti Bachao Beti PadhaoGirl ChildIndian Governmentsukanya samriddhi yojana
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aadi

Hello, my name is Aditya Kumar. I am the founder and developer of this website. If you have any questions, please contact me on any of my social media. My social media handle is given below.

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