Sukanya Samriddhi Yojana ( Sukanya Samriddhi Yojana ) is a unique gift of the first term of the Prime Minister of India, Shri Narendra Modi, the scheme is an important part of the Beti Bachao Beti Padhao campaign. The main objective of this scheme of the Central Government is to invest in the name of the girl child and to provide good returns from it, in easy terms the scheme provides a good interest rate and benefits of saving in tax.
Parents - father is a good opportunity to accumulate a fund for his daughter's future Sukanya Prosperity Plan ( Sukanya Samriddhi Scheme ) K This accumulated capital can be used at the time of the daughter's education and marriage.
In today's time, this is the best plan relating to the future of the daughter, it should be availed by all the parents and guardians who have daughters in their homes. An investment of ₹ 250 minimum annually is not very difficult in today's time and the scheme offers higher interest than other options of traditional investment.
Sukanya Samriddhi Scheme Introduction - About Sukanya Samriddhi Account
On 22 January 2015, the Central Government launched an ambitious and public welfare scheme like Sukanya Samriddhi Account under Beti Bachao Beti Padhao Mission from Panipat in Haryana. At that time it was speculated that due to the imbalance of sex ratio in Haryana, this scheme is being launched from Panipat to spread awareness among the people.
Today, under this scheme, the highest interest is accrued in terms of small savings, more than traditional investment schemes like PPF and FD. Also, it is also convenient that when you withdraw money at the time of your daughter's education or marriage, then there will be no tax on it.
In the current (the financial year 2020-2021) interest under this scheme is given at the rate of 7.6% per annum. Sukanya Yojana accounts can be opened in Indian Post Offices and Private and Public Banks.
Let us know what are the rules and rules of the Sukanya Samriddhi Scheme and the questions and answers related to it at the end of the article.
Rules of Sukanya Scheme - SSY Account Eligibility
- This account can be opened by parents/guardians in the girl child
- The age of the girl child should be 0 - 10 years at the time of opening the account
- Though the account will be in the name of the girl child her parents/guardians will operate her
- The birth certificate of the girl child is the necessary document to open the account
- Minimum ₹ 250 to be deposited in a financial year and maximum ₹ 1,50,000
- There is also an annual penalty of ₹ 50 if the minimum amount is not deposited.
- Separate Sukanya Samriddhi accounts can be opened in a maximum of 2 daughters by name. If there are twins then 3 different accounts can also be opened.
- The amount deposited in this scheme is exempt under Section 80 (C) of Income Tax. Withdrawal at maturity will also be tax-free
- Money can be deposited up to 15 years after opening an account, and the time of maturity is 21 years from the date of opening the account.
- Money cannot be withdrawn, only at the time of higher education or marriage of the daughter.
- The account can be opened in the post office or government / private bank.
Sukanya Scheme FAQ - Questions and Answers related to Sukanya Scheme
Where to open Sukanya Samriddhi Yojana account?
Contact the post office nearest to your home, or at a branch of any government or private bank.
My daughter also has life insurance and FD, can the Sukanya plan be availed even then?
Yes, there is no such restriction. If there are other investments in the name of the daughter then there is no problem. You can open a Sukanya account.
Does the government initially give some money to Sukanya's account?
No, you have to deposit money. The government only pays interest on it. Just like you get on FD or on a PPF account.
Can this account be transferred from one bank to another?
Yes, you will have to apply in your current bank or post office and the account will be easily transferred.
How to deposit money in Sukanya's account?
You can deposit money by cash, check, draft, or online internet banking.
What is the minimum amount to be deposited in a year?
A minimum of ₹ 250 has to be deposited in a financial year. Failure to do so will result in a fine of ₹ 50.
What documents are required for the Sukanya account?
1. Sukanya Samriddhi Yojana Form (will be received from Post Office or Bank)
2. Birth certificate of the girl child
3. Identity proof of parents/guardian (PAN card, Aadhaar card, passport, etc.)
4. Address proof of parent/guardian (Driving license, passport, ration card, etc.)
You can ask your questions related to Sukanya Samriddhi Yojana by writing in the comments below, also share this information with your friends and relatives.
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