Sukanya Samriddhi Yojana 2023: This is a government scheme launched for daughters. On depositing money in this scheme, returns are being received at the rate of 7.6 per cent. The postal department opens an average of 33 lakh Sukanya Samriddhi accounts every year. About 2.7 crore accounts have been opened so far under this scheme.
Sukanya Samriddhi Yojana has been started by Prime Minister Narendra Modi to save the girls from the middle class families of the country from future financial troubles. Under this scheme, the investment account is opened by the parents even before their daughter turns 10 years of age. This investment account can be opened in any bank or post office.
Short Details of Sukanya Samriddhi Yojana 2023
|Name of the Yojana||Sukanya Samriddhi Yojana|
|Name of the Article||Sukanya Samriddhi Yojana 2023|
|Type of Article||Latest Update|
|Who Can Apply?||All India Applicants Can Apply.|
|Mode of Application||Offline Via Post Office Visit.|
|Minimum Premium Amount||Only 250 Rs|
|Detailed Information||Please Read the Article Completely.|
In which a minimum of Rs 250 and a maximum of Rs 1.5 lakh per month can be deposited as investment by the parents of the girl child. If you also want to open your daughter’s investment account under Sukanya Samriddhi Yojana 2023, then definitely read this article till the end.
What is Sukanya Samriddhi Yojana? ssy scheme 2023
Sukanya Samriddhi Yojana (SSY) is a type of investment savings scheme run by the central government. Which attracts the parents of the country’s girl child below 10 years of age to invest in securing their future. This scheme is a part of Beti Bachao Beti Padhao scheme. Under this scheme, the investment account of the girl child is opened by the parents, which is to be operated till her marriage after the age of 21 years or 18 years. But it is mandatory to invest in this account for 15 years.
Interest will be given at the rate of 7.6 percent for the session 2022-23 on the amount invested in this account. And also under this scheme, tax exemption will also be available under section 80C of the Income Tax Act 1961 for investing a maximum of Rs 1.5 lakh in 1 year.
Objective of Sukanya Samriddhi Yojana 2023
The main objective of starting this scheme by Prime Minister Narendra Modi is to save the girl child from the economic problems coming in the future. Because in this era of inflation, parents of middle class families have to face a lot of financial difficulties in getting their girls higher education and getting them married. Keeping these things in mind, the Prime Minister has started the Sukanya Samriddhi Yojana.
Parents or legal guardians belonging to any middle class family across the country can easily invest under this scheme. Because a minimum investment of Rs 250 can be made in the account opened under this scheme. Presently Sukanya Samriddhi Yojana 2023 is empowering girls in the country to lead a self-reliant life and at the same time motivating them for higher education.
The Indian Postal Department has opened about 11 lakh Sukanya Samriddhi accounts under a special drive in the last two days. Let us tell you that the Central Government had started ‘Sukanya Samridhi Yojana’ on 22 January 2015 to benefit the daughters. The minimum amount for opening an account is Rs 250 and the maximum amount is Rs 1.5 lakh.
plans for little girls
Under Sukanya Samriddhi Yojana, the guardian of a girl child who is 10 years or less can open their account and these accounts are valid till the age of 21 years or till the girl child attains the age of 18 years and gets married. The scheme also offers an interest rate of 7.6% and tax benefits under 80C of the Income Tax Act, 1961.
Starting from Rs.250 only
Sukanya Samriddhi Yojana can be started with just Rs.250. At the same time, up to a maximum of Rs 1.50 lakh can be invested in it.
account opening limit
Under this scheme, the depositor can open only one account in the name of a girl child. On the other hand, if he has more girls, then a maximum of two accounts can be opened under this scheme. In case of twin girls, their single account will be opened and then the name of the third girl child can be added to it.
just pay for 14 years
The maturity period of this scheme is 21 years, but in this money has to be deposited only for 14 years. The interest remains compounded for the rest of the year. The amount you invest in this scheme, you will get almost 3 times return on maturity.
In which banks of the country can the beneficiary open SSY account?
There are 28 banks authorized by the Reserve Bank of India in our country. The beneficiary can open an SSY account by visiting the nearest bank branch of any of these banks. These 28 banks are as follows-
- Bank of India
- state Bank of India
- Punjab National Bank
- Bank of Baroda
- axis Bank
- Andhra Bank
- Bank of Maharashtra
- Allahabad Bank
- Punjab And Sind Bank
- Oriental Bank of Commerce
- State Bank Of Hyderabad
- Union Bank of India
- UCO Bank
- United Bank of India
- Vijay Bank
- Bank of Maharashtra
- Canara Bank
- Dena Bank
- State Bank of Patiala
- State Bank Of Mysore
- IDBI Bank
- ICICI Bank
- State Bank Of Bikaner And Jaipur
- State Bank Of Travancore
Benefits and features of Sukanya Samriddhi Yojana 2023
Come, now we want to tell you about the benefits and facilities available under this scheme, which are as follows –
All the daughters of the country will be given the benefit of this scheme.
Under the scheme all our parents can apply in the scheme with a premium amount of Rs.250 only.
On maturity of the plan, you will get a lump sum amount which you can use to marry off your daughter with pomp or you can invest this money in her career.
This scheme will create a bright future for our daughters and
Ultimately, there will be socio-economic development etc. of all our daughters.
With the help of all the above points, we told you about the benefits and facilities available under this scheme, so that all of you can apply in this scheme without any problem and take advantage of it.
What documents will be demanded for Sukanya Samriddhi Yojana 2023?
To apply in this welfare scheme, you all parents will have to provide some documents which are as follows –
- Identity card of one of the parents,
- daughter’s aadhar card,
- Bank account passbook opened in girl’s name,
- Income certificate of guardian,
- Guardian’s residence certificate,
- Caste certificate of guardian,
- Passport size photograph of the girl child and
- Existing mobile number etc.
You have to submit all the above mentioned documents so that you can apply for this scheme without any problem and get its benefits.
How to apply for Sukanya Samriddhi Yojana 2023?
All those parents who want to apply for Sukanya Samriddhi Yojana 2023 and get its benefits, then you have to follow these steps, which are as follows –
To apply for Sukanya Samriddhi Yojana 2023, first of all your parents have to come to your nearest post office.
After coming here you will have to get the application form of Sukanya Samriddhi Yojana 2023.
After this you have to fill this application form carefully.
All the documents asked for must be self-attested and attached with the application form.
At last you have to submit all the documents and application form in the same office and get the receipt etc.
After following all the steps given above, you can easily apply in this scheme and get its benefits.
What is the new interest rate of Sukanya Samriddhi Yojana 2023?
Sukanya Samriddhi Yojana (SSY) Account Interest Rate 2023: The current interest rate on SSY account deposits is 7.6%.
What are the new changes in Sukanya Samriddhi Yojana?
Under the new rules, the operation of the account will not be entrusted to daughters before the age of 18 years. Till this age the guardian will operate the account. It was not like this earlier. As per the new rules, the provision for refund of wrongful interest in the account has been removed.
If you deposit ₹ 1000 in Sukanya Yojana for 15 years, how much will you get in 18 years?
Your girl child will get this Rs 5 lakh 9 thousand 212 on maturity of Sukanya Samriddhi account. Because the account is created in the name of the account holder girl after she completes 18 years of age.
Deposit ₹ 3000 in the post office, how much will you get in 5 years?
At present, 5.8 percent interest is being received in the RD of the post office. In this the compounding of interest is done on a quarterly basis. In this, if you deposit Rs 3000 every month according to the daily savings of Rs 100, then after maturity in five years (60 months) you will get around Rs 2.10 lakh (Rs 2,09,089).