sukanya samriddhi yojana kya hai/Post Office Sukanya Samriddhi Yojana Details/Sukanya Samriddhi Yojana Calculator

 Hello friends welcome to allinmahavir! Today we are going to talk about the Sukanya Samridhi Yojana, in which we will tell you that like if there is any small girl or girl in your family whose age is less than 10 years! If you are worried about the future of your girl child or her marriage or education, then now you do not need to worry because the central government has run the Sukanya Samriddhi Yojana for the future of your daughters / daughters.

If you want to invest in this scheme, then this plan can prove to be better for you. There is no risk of any kind in this scheme, you can make a good savings by investing in this scheme and you can also avoid paying income tax! Many times you must have seen or heard that many people share market or other fraud company. I invest under the illusion of double the money of the brokers / brokers and they have to bear the loss of drowning later! So by investing in this scheme, you can avoid such losses.

What is Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana is a small savings scheme of the Government of India, which has been started by the Government of India under the “Beti Bachao Beti Padhao” campaign. Under this scheme, parents or legal guardians can open an account in the name of the girl child, the age limit of the girl child or girl child should be less than 10 years to open an account in this scheme. The account for this scheme can be opened in any post office or any designated government bank.

At present, interest is being given in SSY at the rate of 7.6% which is with income tax exemption! Even before this, it has also got tax-free interest of up to 9.2 percent, the account of Sukanya Samriddhi Yojana, which can be opened with a very small amount, has actually been started for those middle class families who want to marry or marry their daughter through small savings. The amount you want to deposit for his higher education!

how to open account in sukanya samriddhi yojana

To open an account under Sukanya Samridhi Yojana, a girl child or girl child can be opened before the age of 10 years with a minimum deposit of Rs 250! In the current financial year, a maximum of Rs 1.5 lakh can be made under the Sukanya Samridhi Yojana!

Where to get Sukanya Samriddhi Yojana account

To open an account for Sukanya Samriddhi Yojana, you can open an account of this scheme by going to any post office or commercial branch branch.

For how long the account of Sukanya Samriddhi Yojana will have to be run

After opening the account of Sukanya Samriddhi Yojana, this account can be run till the girl child or girl child turns 21 or after the age of 18 years till the girl child is married. Thus, with this scheme, the girl child gets this benefit for her marriage or education expenses.

What is the use of Sukanya Samriddhi Yojana

After the girl child attains the age of 18 years, up to 50 percent of the amount can be withdrawn from the account of Sukanya Samriddhi Yojana in case of expenses for higher education of the girl child. Which will help your child to continue reading further!

Rules for opening account in Sukanya Samriddhi Yojana

Under Sukanya Samriddhi Yojana, the account can be opened by the parents or legal guardian of the girl child in the name of the girl child before she attains the age of 10 years, according to the rules of this scheme, only one account can be opened for one girl child. , and the amount or money can be deposited in that account, according to the rules of this scheme, only one account of a girl child can be opened! It cannot open two accounts of one girl child.

Documents required for Sukanya Samriddhi Yojana

The document required to open the account of Sukanya Samriddhi Yojana is the birth certificate or birth certificate of the girl child, this birth certificate is required to be given at the post office or bank branch at the time of opening the account, along with the identity card of the girl child and their parents and their addresses. It is very important to give thanks too! After this your account will be opened after verification of your document.

How much amount is required for Sukanya Samridhi Yojana?

To open an account in Sukanya Samriddhi Yojana, only 250 rupees is enough, but after that money can be deposited in multiples of 100 rupees, in any one financial year, at least 250 rupees must be deposited. Needless to say, under Sukanya Samriddhi Yojana, you can never deposit more than Rs 1.5 lakh in your SSY account in any one financial year, either once or several times! In the Sukanya Samriddhi Yojana account, if in the case of a 9-year-old girl child, the amount can be deposited from you till the girl child becomes 24 years old, as long as the girl child is 24 to 30 years of age in the Sukanya Samriddhi Yojana account When the maturity will be done, then interest is received on the amount in it, in Sukanya Samridhi Yojana, the amount can be deposited for 15 years from the opening of the account.

When Sukanya could not deposit money in Samridhi Yojana?

In Sukanya Samridhi Yojana, you have to deposit at least amount every year in the account, which you can deposit easily, because the amount you will deposit in this scheme, the government has kept less only after looking at the middle class families. , If still you are not able to deposit the amount in Sukanya Samriddhi Yojana account for some reason, then you may have to deposit that amount with penalty again, and you will also get 8 to 9 percent interest on the amount in your Sukanya account. Not only will you get 4 percent, which is equal to 4 percent of the post office's savings account. If your Sukanya Samridhi account has been irregularly closed for a long time, then it can be made operational by paying a penalty of Rs 50 a year!

How to deposit money in Sukanya Samriddhi Yojana account

You can deposit money in Sukanya Samriddhi Yojana account in 4,5 ways, you can deposit cash by going to the post office or bank branch, you can also deposit the amount in this account by check and demand draft, but the amount in the account Interest starts only when the check is cleared, for this it is necessary to write the name of the depositor and the name of the account holder.

You can also deposit money online in this account! You can use the app of any online company to deposit money online. Or you can use NetBunking. Then you can deposit money in this account.

How is the interest calculated on Sukanya Samriddhi Yojana account?

Sukanya Samriddhi Scheme – Interest & Maturity Amount Calculation
Year	A/C Year	Age Of Girl Child	Opening Balance	Monthly Contribution	Yearly Contributio n	Interest Amount	Year End Closing Balance
2015	1	5	-	10000	120000	6,083	126,083
2016	2	6	126083	10000	120000	18,047	264,130
2017	3	7	264130	10000	120000	31,147	415,276
2018	4	8	415276	10000	120000	45,489	580,766
2019	5	9	580766	10000	120000	61,193	761,959
2020	6	10	761959	10000	120000	78,387	960,346
2021	7	11	960346	10000	120000	97,213	1,177,559
2022	8	12	1177559	10000	120000	117,825	1,415,384
2023	9	13	1415384	10000	120000	140,393	1,675,777
204	10	14	1685777	10000	120000	165,102	1,960,879
2025	11	15	1960879	10000	120000	192,156	2,273,035
2026	12	16	2273035	10000	120000	221,778	2,614,813
2027	13	17	2614813	10000	120000	254,210	2,989,023
2028	14	18	2989023	10000	120000	289,720	3,398,744
2029	15	19	3398744	10000	120000	309,286	3,708,029
2030	16	20	3708029	10000	120000	337,431	4,045,460
2031	17	21	4045460	10000	120000	368,137	4,413,597
2032	18	22	4413597	10000	120000	401,637	4,815,234
2033	19	23	4815234	10000	120000	438,186	5,253,421
2034	20	24	5253421	10000	120000	478,061	5,731,482
2035	21	25	5731482	10000	120000	521,565	6,253,047
Total Accumulated Interest Amount						45,73,046

Under what conditions Sukanya Samriddhi Yojana account can be closed before maturity

If the Sukanya Samriddhi Yojana account holder dies, then the account can be closed by showing the death certificate. And the amount deposited in the Sukanya Samriddhi Yojana account is returned to the parents of the girl child along with interest.

And if for some reason the account of Sukanya Samriddhi has to be closed, then we can also close this account, but the interest that will be given on this account is given according to the savings account.

Can we transfer the account of Sukanya Samriddhi Yojana?

Yes, you can transfer the account of Sukanya Samriddhi Yojana to any corner of the country. If suppose you have opened Sukanya Samriddhi Yojana account somewhere in Delhi and you have shifted to Mumbai, then you can transfer Sukanya Samriddhi Yojana account from Delhi to Mumbai. For this, the documents for shifting will have to be shown by going to the place where the account of Sukanya Saridhi Yojana has been opened and after that the account can be transferred. And if you do not have any document, then you will have to go to that post office or bank and go there and deposit a fee of 100 rupees! And if there is core banking facility in the bank and post office then it will be transferred to your Sukanya Samriddhi account through electronic means.

Withdrawal of advance amount from Sukanya Samriddhi Yojana account

Suppose you need money for your girl child's higher education, then you can withdraw money from Sukanya Samriddhi Yojana for your girl child's higher education. And you can withdraw money from Sukanya Samriddhi Yojana account for your daughter's wedding too! But there are some terms and conditions for withdrawing money! As if -

You can withdraw only 50% of the amount from Sukanya Samriddhi Account

And if your child reaches 18 years of age, then you can withdraw 50% of the amount.

When will the account of Sukanya Samriddhi Yojana be completed!

If your girl child has completed 21 years of age, then you can withdraw the entire money from the account of Sukanya Samriddhi Yojana and if the account is completed after marriage, then the entire money can be withdrawn.

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