Sukanya Samriddhi Yojana (SSY) is a government-backed small savings scheme launched under the “Beti Bachao Beti Padhao” initiative. It is specifically designed to help parents build a dedicated financial corpus for their girl child’s higher education and marriage expenses. The scheme currently offers an attractive interest rate of 8.2% per annum, which is compounded annually, making it one of the highest-yielding government savings instruments.
Core Eligibility Criteria
- Gender: The account can only be opened in the name of a girl child who is a resident Indian citizen.
- Age Limit: The girl child must be under 10 years of age at the time of account opening.
- Account Limits: Only one account is permitted per girl child.
- Family Ceiling: A family can open a maximum of two accounts for two daughters. An exception is allowed for triplets or twins born in the second birth order, allowing a third account.
Investment & Deposit Rules
- Minimum Deposit: A minimum of ₹250 must be deposited every financial year to keep the account active.
- Maximum Deposit: The maximum annual investment limit is ₹1.5 Lakh per financial year.
- Deposit Tenure: Parents or legal guardians only need to make active deposits for the first 15 yearsfrom the account opening date.
- Default Penalty: If the minimum ₹250 is not deposited in a year, the account defaults and can be reactivated by paying a fine of ₹50 per missed year.
Maturity & Withdrawal Conditions
- Total Maturity Period: The account officially matures 21 years from its date of opening.
- Partial Withdrawal: Up to 50% of the accumulated balance can be withdrawn for higher education expenses once the girl child reaches 18 years of age or completes the 10th standard.
- Premature Closure: The account can be closed early if the girl gets married after turning 18. It is also permitted under extreme compassionate grounds like a medical emergency or the sudden demise of the guardian.
Tax Benefits (EEE Status)
The scheme enjoys the highly coveted Exempt-Exempt-Exempt (EEE) tax status under Section 80C of the Income Tax Act:
- Exempt Contributions: Deposits up to ₹1.5 Lakh per year are eligible for deduction.
- Exempt Returns: The interest accrued annually is entirely tax-free.
- Exempt Maturity: The final corpus withdrawn upon maturity attracts zero tax.
મહિને કેટલા રૂપિયા ભરવાથી તમને છેલ્લે કેટલા લાખ રૂપિયા મળશે તેનું સંપૂર્ણ કેલ્ક્યુલેશન ના જુઓ અહીંથી.
અહીં નીચેના કેલ્ક્યુલેશનમાં તમે કેટલા વર્ષ સુધી પૈસા ભરવા માગો છો અને દર વર્ષે કેટલા રૂપિયા ભરવા માંગો છો તેને વિગત દાખલ કરી કેલ્ક્યુલેશન પર ક્લિક કરો.
Important links
સુકન્યા સમૃદ્ધિ યોજના : દીકરીઓના ભવિષ્યને આર્થિક રીતે સુરક્ષિત બનાવતી યોજના
Sukanya Samriddhi Yojana Form.
ગુજરાતી માહિતી વાંચો
How to Open an Account
Accounts can be opened offline at any Post Office or authorised commercial bank branch. Many institutions like the HDFC Bank SSY Portal and ICICI Bank SSY Page allow you to download the application form online. You will need to submit:
- The Birth Certificate of the girl child.
- KYC documents (Aadhaar Card, PAN Card, or Passport) of the parent or legal guardian.
- Current address proof and passport-sized photographs.