Prime Minister Sukanya Samriddhi Yojana 2023: With the aim of upliftment of daughters in the country and improving their status, the central government introduces many types of savings schemes and benefits the daughters, through one such savings scheme, their daughters to their daughters through one such savings scheme The PM Sukanya Samriddhi Yojana has been launched by the Central Government to provide the facility to save for the future of.
Through this scheme, the daughter’s parents will be able to save their 10-year or less an account of the girl child or office for their higher education and studies in future. On opening the Khata under SSY, the beneficiary girl will be provided 7.6% interest by the government, which will be able to benefit the girl after the age of 21.
In such a situation, if you want to provide the benefit of PM Sukanya Samriddhi Yojana to your daughter, then what is Sukanya Samriddhi Yojana? You will be able to know the complete information related to the benefits of the scheme, eligibility, documents, application process, SSY account calculation through our article.
Prime Minister Sukanya Samriddhi Yojana 2023
| योजना का नाम | प्रधानमंत्री सुकन्या समृद्धि योजना |
| शुरू की गई | केंद्र सरकार द्वारा |
| आरम्भ तिथि | 22 जनवरी, 2015 |
| वर्ष | 2023 |
| आवेदन प्रक्रिया | ऑफलाइन प्रक्रिया |
| लाभार्थी | देश की बालिका |
| उद्देश्य | बेटियों के भविष्य को सुरक्षित करने हेतु बचत की सुविधा प्रदान करना |
| योजना का प्रकार | केंद्र सरकारी योजना |
| ऑफिसियल वेबसाइट | nsiindia.gov.in |
Sukanya Samriddhi Yojana is a scheme launched by the Central Government in 2015, which has been launched as a part of the Beti Bachao Beti Padhao campaign. Through this scheme, the government provides the facility to save parents to make the future of daughters bright.
Under SSY, an account of a girl child of 10 years or less can be opened, a minimum amount is Rs 250 and a maximum amount is Rs 1.5 lakh for opening an account, in which applicants can deposit money in the daughter’s account as per their convenience, in which.
The beneficiary will have to deposit money in the account for 14 years from the date of opening the account. After which, after the girl turns 21, she will be able to withdraw a lump sum amount in the account, even if the girl wants to withdraw 50% of the money from the bank even if she is 18 years old.
Benefits and Characteristics of PM Sukanya Samriddhi Yojana
The information about the benefits given to the beneficiary under the scheme is as follows.
Citizens will be able to deposit funds for their daughter future through PM Sukanya Samriddhi Yojana.
Under the scheme, by opening an account in the name of daughter of 10 years or less, applicants can deposit a minimum amount of Rs 250 or maximum Rs 150000 as per their convenience.
Applications to get the benefit of SSY scheme can open a daughter’s account in the bank or post office.
The application under the scheme will be provided 7.6% interest by the government.
The applicant matures the account from the date of opening of the girl’s account from the age of 21 years. Prime Minister Sukanya Samriddhi Yojana 2023
Under the scheme, the applicant can withdraw money even if it is 18 years for her higher education or need, but at this time she will be able to withdraw only 50 % of the amount.
Under the scheme, the account of the applicant girl can also be transferred from a post office or bank to another post office or bank. Prime Minister Sukanya Samriddhi Yojana 2023
SSY account can be opened from Rs 1000 under Sukanya Samriddhi Yojana.
Under this scheme, two girls of a family will be able to benefit.
Under the Income Tex Section 80-C, Sukanya Samriddhi Yojana will get the benefit of investing tax exemption. Prime Minister Sukanya Samriddhi Yojana 2023
The government will not impose any tax on the interest received through this scheme, but it will increase your deposit from interest.
From opening an account under the scheme, you will have to invest regularly for 14 years.
Citizens of Sukanya Samriddhi Yajna will be able to fulfill their daughter’s marriage and expenses and needs in higher education without any economic problem.
New changes under SSY scheme
5 new changes have been made in Sukanya Samriddhi Yojana from the Central Government, whose information is as follows.
Under the scheme, it is mandatory for the applicant to deposit a minimum of Rs 250 from a regular room in the account in a year, but if this amount is not deposited by the beneficiary, then his account will be considered a default. According to the new rules, if the SSY account is not re -activated, then you will continue to get 7.6% interest rate according to the new rules of 2019 on your default account till the girl is proclaimed.
In Sukanya Samriddhi Yojana, an account can be opened in the name of only one daughter of one family, but if the other child has twin daughters, the account can be opened in the name of both.
Under the scheme, the beneficiary girl’s account is closed under two circumstances and the second is on the death of the daughter and after the change in the residence of the daughter, but after the new change, now if the daughter’s guard dies for some reason, then such The account is also closed in the situation. Prime Minister Sukanya Samriddhi Yojana 2023
In the SSY earlier beneficiary girl was handed over the operation of the account at the age of 10, but now according to the new rules, the beneficiary girl cannot operate the account by herself until she is 18 years old, the girl child The account is conducted by his parents until the completion of 18 years.
According to the new rules, the provision of refunding the wrong interest in the account has been changed, as well as the annual interest of the account will be deposited at the end of every year.
Eligibility of Sukanya Samriddhi Yojana
To get the benefit of Sukanya Samriddhi Yojana, the applicant will have to fulfill its prescribed eligibility, after which the application process in the scheme will be completed, all such eligibility information is as follows.
Applicants should be permanent residents of India for application in the scheme.
Under SSY, girls from newborn to 10 years will be eligible for application.
Under the scheme, an account can be opened in the name of only one girl.
Only two daughters of a family will be eligible for application in the scheme.
If there are two twin daughters after a daughter, both of them will also be eligible for application.
Documents required for Sukanya Samriddhi Yojana
For the application in the scheme, the applicant is required to have all the important documents, without the entire documents, the application process will not be completed, the information of all such documents is as follows.
- Birth certificate of daughter
- Parent’s ID proof
- Permanent residence certificate
- Indian post -operated schemes
Let us tell you that various schemes are operated by the Indian Postal Department, in such a situation, 9 savings schemes are included in the Indian post -operated schemes, which gives 7.6% interest to benefit citizens, information about all such schemes It is as follows.
Prime Minister Sukanya Samriddhi Yojana 2023
| खाता | न्यूनतम राशि |
| सुकन्या समृद्धि योजना (SSY) | 250 रूपये |
| डाक घर बचत खाता | 500 रूपये |
| पब्लिक प्रोविडेंट फंड (PPF) | 500 रूपये |
| सीनियर सिटीजन सेविंग स्कीम | 1000 रूपये |
| राष्ट्रीय बचत पत्र | 1000 रूपये |
| राष्ट्रीय बचत समय जमा खाता | 1000 रूपये |
| किसान विकास पत्र (KVP) | 1000 रूपये |
| डाक घर मंथली इनकम स्कीम | 1000 रूपये |
| राष्ट्रीय बचत आवर्ती जमा खाता | 1000 रूपये |
योजना के अंतर्गत आने वाले अधिकृत बैंकों की सूची
| स्टेट बैंक ऑफ इंडिया | बैंक ऑफ महाराष्ट्र | स्टेट बैंक ऑफ मैसूर | अलाहाबाद |
| एक्सिस बैंक | यूनियन बैंक ऑफ इंडिया | पंजाब नेशनल बैंक | IDBI बैंक |
| स्टेट बैंक ऑफ त्रावणकोर | सेंट्रल बैंक ऑफ इंडिया | आंध्रबैंक | बैंक ऑफ बरोदा |
| ICICI बैंक | ओरिएण्टल बैंक ऑफ कॉमर्स | इंडियन ओवरसीज बैंक | बैंक ऑफ इण्डिया |
| कॉरपोरेशन बैंक | यूनाइटेड बैंक ऑफ इंडिया | पंजाब और सिंध बैंक | सिंडिकेट बैंक |
| विजया बैंक | यूको बैंक | स्टेट बैंक ऑफ हैदराबाद | स्टेट बैंक ऑफ बीकानेर और जयपुर |
| कैनरा बैंक | स्टेट बैंक ऑफ पटियाला | देना बैंक | इंडियन बैंक |
Sukanya samriddhi yojana account calculations
Under SSY, the amount received after the completion of the tenure of the 21 -year scheme under SSY is as follows, a list of the amount in the form of quotation is given in this way.
| राशि (सालाना) (रूपये में) | राशि (14 वर्ष) (रूपये में) | राशि (21 वर्ष) (रूपये में) |
| 1000 | 14000 | 46,821 |
| 2000 | 28000 | 93,643 |
| 5000 | 70000 | 2,34,107 |
| 10000 | 140000 | 4,68,215 |
| 20000 | 280000 | 9,36,429 |
| 50000 | 700000 | 23,41,073 |
| 100000 | 1400000 | 46,82,146 |
| 125000 | 1750000 | 58,52,683 |
| 150000 | 2100000 | 70,23,219 |
1000 रूपये योगदान के साथ गणना (वार्षिक)
- फिक्स्ड इंटरेस्ट – 8.4%
- अवधि – 14 वर्ष
- भुगतान वार्षिक रूप से
| साल | ओपनिंग बैलेंस (रूपये में) | जमा राशि (रूपये में) | ब्याज (रूपये में) | क्लोजिंग बैलेंस (रूपये में) |
| 1 | 0 | 1000 | 84 | 1084 |
| 2 | 1084 | 1000 | 175 | 2259 |
| 3 | 2259 | 1000 | 274 | 3533 |
| 4 | 3533 | 1000 | 381 | 4914 |
| 5 | 4914 | 1000 | 497 | 6410 |
| 6 | 6410 | 1000 | 622 | 8033 |
| 7 | 8033 | 1000 | 759 | 9792 |
| 8 | 9792 | 1000 | 906 | 11698 |
| 9 | 11698 | 1000 | 1067 | 13765 |
| 10 | 13765 | 1000 | 1240 | 16005 |
| 11 | 16005 | 1000 | 1428 | 18433 |
| 12 | 18433 | 1000 | 1632 | 21066 |
| 13 | 21066 | 1000 | 1854 | 23919 |
| 14 | 23919 | 1000 | 2093 | 27012 |
| 15 | 27012 | 0 | 2269 | 29281 |
| 16 | 29281 | 0 | 2460 | 31741 |
| 17 | 31741 | 0 | 2666 | 34407 |
| 18 | 34407 | 0 | 2890 | 37298 |
| 19 | 37298 | 0 | 3133 | 40431 |
| 20 | 40431 | 0 | 3396 | 43827 |
| 21 | 43827 | 0 | 3681 | 47508 |
परिणाम:
- खाते में कुल जमा राशि – 14,000 रूपये
- मैच्योरिटी के बाद राशि – 47508 रूपये
- प्राप्त ब्याज – 33,508 रूपये
5000 रूपये योगदान के साथ गणना (वार्षिक)
- फिक्स्ड इंटरेस्ट – 8.4%
- कार्यकाल – 14 साल
- भुगतान आवृत्ति – वार्षिक रूप से
| साल | ओपनिंग बैलेंस (रूपये में) | जमा राशि (रूपये में) | ब्याज (रूपये में) | क्लोजिंग बैलेंस (रूपये में) |
| 1 | 0 | 5000 | 420 | 5420 |
| 2 | 5420 | 5000 | 875 | 11295 |
| 3 | 11295 | 5000 | 1369 | 17664 |
| 4 | 17664 | 5000 | 1904 | 24568 |
| 5 | 24568 | 5000 | 2484 | 32052 |
| 6 | 32052 | 5000 | 3112 | 40164 |
| 7 | 40164 | 5000 | 3794 | 48958 |
| 8 | 48958 | 5000 | 4532 | 58490 |
| 9 | 58490 | 5000 | 5333 | 68823 |
| 10 | 68823 | 5000 | 6201 | 80024 |
| 11 | 80024 | 5000 | 7142 | 92166 |
| 12 | 92166 | 5000 | 8162 | 105328 |
| 13 | 105328 | 5000 | 9268 | 119596 |
| 14 | 119596 | 5000 | 10466 | 135062 |
| 15 | 135062 | 0 | 11345 | 146407 |
| 16 | 146407 | 0 | 12298 | 158706 |
| 17 | 158706 | 0 | 13331 | 172037 |
| 18 | 172037 | 0 | 14451 | 186488 |
| 19 | 186488 | 0 | 15665 | 202153 |
| 20 | 202153 | 0 | 16981 | 219134 |
| 21 | 219134 | 0 | 18407 | 237541 |
How to open Sukanya Samriddhi Yojana account again?
Under the PM Sukanya Samriddhi Yojana, applicants can deposit their daughter’s future to become bright, according to their convenience to Rs 250 to Rs 15 lakh. In such a situation, if you deposit an amount of Rs 250, then you will have to deposit this amount in the account every year, but if you do not deposit this fixed amount any year, then your account will be closed. After the account is closed, you will be able to get it re-open again, for this you have to go to your nearest post office or bank where your account is. From here you have to fill the form of re-open and deposit the remaining amount with penalty.
Citation-Suppose for you, as you did not deposit an amount of Rs 3 to Rs 1000, which you need to deposit in the account every year, in such a situation, you have Rs 3000 as well as Rs 50 every year with Rs. Will also have to submit a fine of. That is, you have to deposit (3000+150 = 3150).
In this way, check the balance under Sukanya Samriddhi Yojana
Under the scheme, the beneficiaries who want to check their balance can check their balance like. For this, if you want, you can check the balance of your account by getting the passbook entry, in addition you will be able to check the IPPB mobile app or go to the official portal and check the dues of SSY account.
PM Sukanya Samriddhi Yojana offline application process
For the application in the scheme, the applicants who want to open their daughter’s account, they can get the process of application through offline, you will be able to know about the steps mentioned here by reading the offline process.
For this, first candidates should visit their nearest post office or government bank branch.
Here you have to get the application form of Sukanya Samriddhi Yojana from the branch officer.
By receiving the form, you have to fill all the information asked in it carefully.
After filling all the information, you have to attach all the documents sought in the form with the form.
Now finally check the form thoroughly, if any information is missed, then fill it.
Fill the form completely and submit it to the post office or bank branch itself.
In this way, the process of offline application in your Sukanya Samriddhi Yojana will be completed.
How to apply for passbook in the scheme?
If you have opened the daughter’s account under Sukanya Samriddhi Yojana, then you will be able to know the process of application for the passbook for her by reading the steps.
For the application in the scheme, first you visit its official website.
Now the home page will come open on your screen.
Here on the home page you will see the option of Download Forms, click on it.
- After this, many options will come in front of you, here you click on the option of Passbook Form 4.
- After clicking, the form in PDF format on your screen will open.
- Here you can download the form by clicking on the download option.
- After this, take out the printout of this form and fill all the information sought in the form correctly.
- After filling all the information, check it and submit it to your nearest post office.
- In this way the application process for your passbook will be completed.
- Once the form is submitted, the authorities will verify by checking your form.
- Once the verification is successful, you will be given a new passbook.
- In this way, the application process for passbook in your plan will be completed.
Download IPPB mobile app like this
To download the IPPB mobile app, you can follow the steps mentioned here.
- To download the mobile app, first you have to open Google Play Store in your mobile.
- After this, you have to search by typing IPPB mobile app on search.
- After searching, the mobile app will open on your screen, after here you click on the option of Install.
- After which the app in your mobile will be downloaded.
- Here you will get to see the information related to your mobile app and you will be able to transfer your amount through it easily.
Questions related to PM Sukanya Samriddhi Yojana 2023
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana is a scheme launched by the Central Government to secure the future of girls of the country, under which parents will be able to save the daughter’s account and save for her studies or marriage
How much interest rate is given to the beneficiary on the deposit amount under the scheme?
The beneficiary is given 7.6% interest rate on deposits under SSY scheme?
What is the helpline number related to Sukanya Samriddhi Yojana?
In case of information or complaint related to Sukanya Samriddhi Yojana, applicants will be able to get the solution by contacting its helpline number: 18002666868.
How can an application be made under PM Sukanya Samriddhi Yojana?
For applying for Sukanya Samriddhi Yojana, applicants can get a form from their daughter’s account bank or post office and fill all the information asked in it by filling it.
We have provided all the information related to PM Sukanya Samriddhi Yojana 2023 through our article and we hope that this information will be very useful for you, for this, if you like our article or ask any questions related to it, then you We can ask our question in the comment box below, we will try our best to answer your questions, so you can stay connected to our site for more information related to similar schemes.