What is Sukanya Samriddhi Yojana in Hindi? (SSY) rules, eligibility, interest rate, complete information in English
sukanya samriddhi yojana in hindi
What is Sukanya Samriddhi Yojana in Hindi Sukanya Samriddhi Yojana Online Apply | Sukanya Samriddhi Yojana Interest Rate 2022-23, Terms & Conditions, Chart PDF | SSY Scheme Details |
Sukanya Samriddhi Yojana has been started by Prime Minister Narendra Modi to save the girls belonging to the middle class families of the country from future economic problems. Under this scheme, the investment account is opened by the parents before the age of their girl child is 10 years. This investment account can be opened in a bank or post office. 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 girl child’s investment account under Sukanya Samriddhi Yojana 2022, then definitely read this article till the end.
What is Sukanya Samriddhi Yojana – SSY Scheme
Sukanya Samriddhi Yojana in Hindi(SSY) run by the central government is a type of investment savings scheme. Which attracts the parents of the country’s girl child below the age of 10 years 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. For the session 2022-23, interest will be provided at the rate of 7.6% on the amount invested on this account and also under this scheme, tax will be deducted under section 80C of the Income Tax Act 1961 for investing a maximum of Rs 1.5 lakh in 1 year. Discounts will also be provided.
How to open Sukanya Samriddhi Account
PNB will also give the benefit of Sukanya Samriddhi Yojana in Hindi
The benefit of Sukanya Samriddhi Yojana 2022 will now also be given by Punjab National Bank (PNB). This is a government scheme which has been started by the central government for the girls below the age of 10 years. Punjab National Bank has informed through its official Twitter account that now through Sukanya Samriddhi Yojana,
girls below the age of 10 years can deposit a minimum of Rs 250 to a maximum of Rs 1.5 lakh in a financial year by opening a Sukanya account in PNB. . On which the benefit of exemption under 80C will be given in the income tax benefit. Along with this, interest will be available at an attractive rate annually. PNB has given this information with the tagline “Navratri, take a step towards a secure future for your daughter”.
Sukanya Samriddhi Yojana 2022 Overview
| योजना का नाम | सुकन्या समृद्धि योजना |
| शुरू की गई | केंद्र सरकार द्वारा |
| लाभार्थी | देश की 10 वर्ष की आयु से कम की बालिकाएं |
| उद्देश्य | बालिकाओं को भविष्य मे होने वाले आर्थिक समस्या से बचाना |
| साल | 2022 |
Investment limit prescribed under Sukanya Samriddhi Yojana SSY 2022
The account holder can deposit a minimum of Rs 250 and a maximum of Rs 1.5 lakh in 1 year under this scheme. This amount is required to be deposited by the account holder for 15 years. If your girl child is 8 years old then it is mandatory for you to deposit the minimum investment amount in this account for 23 years. After this, you will continue to get interest on the investment amount till the maturity period.
lic kanyadan policy
The girl child can withdraw 50% of the investment amount after attaining the age of 18 years.
It is mandatory to invest for 15 years on the account opened under this scheme. But the girl child can withdraw 50% of the amount from the Sukanya Samriddhi Yojana in Hindi account to pursue her studies after she completes 18 years of age or after passing 10th class. This amount can be withdrawn by the girl child or by the parent/legal guardian in lump sum or in installments. But the amount can be withdrawn in installments only once in 1 year and for a maximum period of 5 years.
Sukanya Samriddhi Yojana 2022 tax free
Samriddhi Yojana 2022 has been kept tax free by the Government of India. Under this scheme, no tax is levied on the amount invested up to Rs 1.5 lakh under section 80C of the Income Tax Act 1961. There is no tax on the amount invested under this scheme and the interest earned on it as well as the maturity amount. This scheme protects the account holder’s savings as well as protects them from tax.
Now interest is provided on SSY account at the rate of 7.6%
Investors were earlier provided interest at the rate of 8.4% on the investment amount under this scheme. But now interest is provided at the rate of 7.6% and also this interest amount is tax free. Under this scheme, the investor’s money doubles in 9 years and 4 months. If the investor invests ₹ 100 per day under Sukanya Scheme, then he will get a fund of ₹ 1500000 on maturity. Similarly, if the investor invests ₹ 416 per day, then a fund of ₹ 65000000 will be received on maturity.
Maturity period of investment account under Sukanya Samriddhi Yojana
The maturity period of the investment account opened under this scheme is till the completion of 21 years of the girl child or till she gets married after the age of 18 years. But in both the cases the investment in this account should be made for a period of 15 years from the date of opening of the account. After that the interest will continue to accrue till the maturity of the account. Whether you make any deposit in the account or not. sukanya samriddhi yojana in hindi
Under what circumstances SSY account can be closed before maturity
For marriage after attaining the age of 18 years- SSY account can be closed prematurely by the beneficiary girl child after attaining the age of 18 years for her marriage expenses.
In case of accidental death of the account holder – In case of accidental death of the girl child, the parent or legal guardian can withdraw the amount deposited and the interest earned thereon from the Sukanya Samriddhi Scheme account. sukanya samriddhi yojana in hindi
To withdraw this amount, the parent or legal guardian will have to submit the documents verified by the concerned authority related to the death of the account holder. Immediately after this the amount will be transferred to the account of the parent or legal guardian.
Financially unable to continue the account – In case the parents of the girl child are financially unable to continue the account, they can close the account. But for this they have to take permission from the concerned authority. sukanya samriddhi yojana in hindi
Note– The Central Government has not given any such instructions that if the parents do not support in investing in the account then they can close the account prematurely.
SSY Interest Rate– सुकन्या समृद्धि योजना के तहत निर्धारित ब्याज दरें
| वित्तीय सत्र् | निर्धारित ब्याज दरें |
| अप्रैल से जून 2022 (पहली तिमाही, वित्तीय सत्र् 2022-23) | 7.6% |
| जनवरी से मार्च 2022 तक (चौथी तिमाही, वित्तीय सत्र् 2021-22) | 7.6% |
| अक्टूबर से दिसंबर 2021 तक (तीसरी तिमाही, वित्तीय सत्र् 2021-22) | 7.6% |
| जुलाई से सितंबर 2021 तक (दूसरी तिमाही, वित्तीय सत्र् 2021-22) | 7.6% |
| अप्रैल से जून 2021 तक (पहली तिमाही, वित्तीय सत्र् 2021-22) | 7.6% |
| जनवरी से मार्च 2021 तक (चौथी तिमाही, वित्तीय सत्र् 2020-21) | 7.6% |
| अक्टूबर से दिसंबर 2020 तक (तीसरी तिमाही, वित्तीय सत्र् 2020-21) | 7.6% |
| जुलाई से सितंबर 2020 तक (दूसरी तिमाही, वित्तीय सत्र् 2020-21) | 7.6% |
| अप्रैल से जून 2020 तक (पहली तिमाही, वित्तीय सत्र् 2020-21) | 7.6% |
| जनवरी से मार्च तक (चौथी तिमाही, वित्तीय सत्र् 2019-20) | 8.4% |
| अक्टूबर से दिसंबर 2019 तक (तीसरी तिमाही, वित्तीय सत्र् 2019-20) | 8.4% |
| जुलाई से सितंबर 2019 (दूसरी तिमाही, वित्तीय वर्ष 2019-20 | 8.4% |
| अप्रैल से जून 2019 तक (पहली तिमाही, वित्तीय सत्र् 2019-20) | 8.5% |
| जनवरी से मार्च 2019 तक (चौथी तिमाही, वित्तीय वर्ष 2018-19) | 8.5% |
| अक्टूबर से दिसंबर 2018 तक (तीसरी तिमाही, वित्तीय सत्र् 2018-19) | 8.5% |
| जुलाई से सितंबर 2018 तक (दूसरी तिमाही, वित्तीय वर्ष 2018-19) | 8.1% |
| अप्रैल से जून 2018 तक (पहली तिमाही, वित्तीय वर्ष 2018-19) | 8.1% |
| अक्टूबर से दिसंबर 2017 तक (तीसरी तिमाही, वित्तीय वर्ष 2017-18) | 8.3% |
| जुलाई से सितंबर 2017 तक (दूसरी तिमाही, वित्तीय वर्ष 2017-18) | 8.3% |
| अप्रैल से जून 2017 तक (पहली तिमाही, वित्तीय वर्ष 2017-18) | 8.4% |
Sukanya Samriddhi Yojana calculator
The maturity amount can be calculated by the account holder through Sukanya Samriddhi in Hindi calculator. The calculator will provide the maturity amount using details like investment made every year and the interest rate mentioned by you.
If you want to calculate the maturity amount of your account, then you can easily calculate through Sukanya Samriddhi calculator. At present, interest is being provided at the rate of 7.6% on the investment made.
Gaura Devi Kanya Dhan Yojana
Sukanya Samriddhi Yojana Account Transfer
SSY account holders are provided the facility of free transfer of Samridhi Yojana 2022 account from any post office to another post office in the country or from one bank to another. This facility will be provided when the account holder shifts from his native place. To avail this facility, the account holder has to show proof of shifting.
If he does not show the proof of shifting, then he will have to pay a fee of ₹ 100 at the place where his account is opened. In the bank or post office of the country where the facilities of core banking system are available, then the SSY account is transferred through electronic means. sukanya samriddhi yojana in hindi
In which banks of the country the beneficiary can open SSY account
There are 28 banks in our country authorized by the Reserve Bank of India. The beneficiary can open an SSY account by visiting any of these banks’ nearest bank branch. 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
How many girls of a family will get benefit of Samriddhi Yojana
Only two girl children of a family are allowed to open an investment account under Samriddhi Yojana by the Central Government. But in some special cases investment account can be opened for more than two girl children of a family. sukanya samriddhi yojana in hindi
If a girl child is born before the birth of twins or triplets or if triplets are born first, a third account can be opened.
If a girl child is born after the birth of twins or triplets, then the investment account can be opened only for the twins or triplets and not for the girl child born after them.
Objective of Sukanya Samriddhi Yojana 2022
The main objective of Prime Minister Narendra Modi to start this scheme is to save the girl child from the economic problems coming in the future. Because in this era of inflation, parents belonging to middle class families have to face a lot of financial problems while getting their girls higher education and getting married. Keeping these things in mind, the Prime Minister has started the Sukanya Samriddhi Yojana.
Under this scheme, parents or legal guardians belonging to any middle class family across the country can easily invest. Because a minimum investment of Rs 250 can be made in the account opened under this scheme. Presently Sukanya Samriddhi Yojana 2022 is empowering the girls in the country to lead a self-reliant life and at the same time motivating them to pursue higher education.
Some important information related to Sukanya Samriddhi Yojana (SSY) 2022
It is mandatory to deposit Rs 250 per year in the account opened under Samriddhi Yojana 2022. If in any case the account holder does not deposit minimum Rs 250 in a year, then his account will be called default account. But even on this default account, the account holder will continue to get applicable interest till the maturity period.
The beneficiary girl child can operate her Sukanya Samriddhi account on her own after completing 18 years of age. For this, he has to submit all the necessary documents by going to the post office or bank where his SSY account is opened.
After passing the 10th standard, the girl child can withdraw 50% of the amount from her account either in lump sum or in installments. This amount can be withdrawn once in 1 year and in installments for a maximum period of 5 years.
The maturity period of SSY Account is 21 years. But in certain circumstances such as marriage after the age of 18 years, death of the account holder or difficulty in operating the account financially, the account can be closed.
The facility of transfer of investment account opened under this scheme from one bank to another bank or from one post office to another post office across the country is also provided.
Benefits of Sukanya Samriddhi Yojana 2022
This scheme has been implemented by the Modi government to save the future of girls below the age of 10 years from financial crisis.
This scheme provides interest at the rate of 7.6% on the investment amount to the account holder which is tax free.
Sukanya Samriddhi Yojana in Hindi 2022 provides guaranteed returns to investors at a higher rate of interest as compared to other schemes run by the central government.
The investor can invest a minimum of ₹ 250 and a maximum of ₹ 1.5 lakh every year under this scheme according to his financial status.
Under this scheme, tax exemption of up to ₹ 500000 is provided every year under Section 80C of the Income Tax Act.
Eligibility under Sukanya Samriddhi yojana in Hindi Scheme
The Sukanya Samriddhi account of the girl child can be opened only by the parent or legal guardian of the girl child.
It is mandatory for the parent or guardian to be a permanent resident of India.
Only a girl child below the age of 10 years can open an investment account under this scheme.
Only 2 girls from a family can open an investment account under this scheme. If twin girls are born after one girl in a family, then in this case separate investment accounts can be opened for twin girls.
required documents
- Aadhaar Card, PAN Card, Identity Card of the parent or legal guardian (by whom the account is operated)
- birth certificate of girl child,
- residence certificate
- medical certificate
All the necessary documents as asked by the bank or post office
Account opening process under Sukanya Samriddhi Yojana 2022
Firstly the parent or legal guardian has to collect the Sukanya Samriddhi Yojana application form from the post office or your nearest bank.
Now you have to fill all the important information asked in this application form after reading it carefully.
After this, all the necessary documents sought have to be attached to the form.
Now you have to submit this form in the same post office or bank from where you received it.
In this way you can make your application under Sukanya Samriddhi Yojana 2022.
How to check your SSY account balance?
The first thing you need to do is request your bank to provide you with login credentials.
Login credentials are not provided by all the banks. Only certain banks provide this facility.
Now after getting the login credentials you have to login to the internet banking portal of the bank.
- After this the homepage will open in front of you.
- Now you have to click on the option of confirm balance.
- After this, the amount of Sukanya Samriddhi account will open in front of you.
- You can check Sukanya Samriddhi account balance through this only.
- Some terms and conditions of Sukanya Samriddhi Yojana
- Terms and Conditions of Investment
Account opening age: Sukanya Samriddhi account can be opened by the guardian before the girl child attains the age of 10 years.
Number of Account: Only one account for a girl child can be opened under this scheme. Under this scheme, a separate account cannot be operated by the mother and separate account by the father for a daughter.
Number of account holders in the family: Only two daughters of a family can avail the benefits of this scheme.
Number of account holders of a family in case of twin daughters: If twin or triplet daughters are born then more than 2 accounts can also be opened.
Operation of the account: The Sukanya Samriddhi account is operated by the guardian of the account holder till the account holder attains the age of 18 years.
Terms and conditions of depositing the maximum and minimum amount
Minimum Account Opening Amount: Under this scheme, an account can be opened for a minimum amount of Rs.250.
Minimum investment per year: Every year under this scheme the beneficiary will have to invest Rs.250.
Default Status: If the minimum investment of Rs.250 per year is not made by the account holder, then the account will be defaulted. If the account is in default, the account can be revived by paying a minimum amount of Rs.250 and a penalty of Rs.50 in the account.
Maximum Investment Amount: A maximum amount of up to ₹ 150000 can be invested under Sukanya Samriddhi Yojana.
Important documents for account opening: To open an account under this scheme, the guardian will have to submit form-1, birth certificate of the daughter and PAN card and Aadhaar number of the guardian.
Investment Period: Investment under this scheme can be made up to 15 years from the date of account opening.
Terms and conditions related to maturity, tax benefits and interest rates
Maturity Age: Sukanya Samriddhi account will mature after 21 years from the date of opening or after the girl child attains the age of 18 years at the time of her marriage.
Interest Rate: The interest rate will be notified by the government on a quarterly basis. The interest rate under this scheme for January 2021 to March 2021 is 7.6%.
Interest Amount: The interest amount under this scheme will be credited to the account at the end of the financial year. Sukanya Samriddhi account can be opened in post office or bank.
Tax Benefits: The investment made under this scheme is tax free under section 80C. The interest and maturity amount received under this scheme is also tax free.
Terms and conditions related to premature closure of account
Premature closure: Sukanya Samriddhi account can be closed prematurely (after 5 years of account opening).
Death of the account holder: If the account holder dies, then this account can be closed.
Condition of life-threatening disease: If the account holder gets any kind of life-threatening disease, then in this situation also this account can be closed.
Death of Guardian: This account can also be closed in case of death of the guardian (who operates the account) of the account holder.
Terms and conditions for withdrawing money from Sukanya Samriddhi account
Withdrawal Conditions: Withdrawals can be made from the Sukanya Samriddhi Yojana account up to a maximum of 50% of the balance available at the end of the previous financial year. This withdrawal can be made for the education of the girl child.
Age for Withdrawal from Sukanya Samriddhi Account: This withdrawal can be done after the girl child completes 18 years of age or after passing 10th standard (whichever is earlier).
Withdrawal Mode: Withdrawals from the account can be made in one go or in installments.
Guidelines of Sukanya Samriddhi Yojana in Hindi
Sukanya Samriddhi Yojana in Hindi was launched with the objective of ensuring a bright future for the girl child of the country.
Deduction under Income Tax Act 80C is also provided under this scheme. Under this scheme, the account is opened in the name of the daughter.
This account is opened before the girl child attains the age of 10 years.
Only two accounts can be opened in each family.
The account opened under this scheme is operated by the parents of the girl child till the girl child attains the age of 18 years.
To open an account under this scheme, the girl child and her parents will have to submit some important documents like Aadhaar number, PAN number etc.
To open an account under this scheme, a minimum investment of Rs 250 per year will have to be made.
If the minimum investment is not made then the account will default.
The default account can be reopened within a period of 15 years.
For which a minimum amount of Rs 250 will have to be deposited for each year of default.
The maximum deposit limit under this scheme is ₹ 150000.
The interest of 7.60% is provided by the government on the amount of investment.
For the education of the girl child, 50% amount can be withdrawn from the account before maturity and 50% amount can be withdrawn after the girl child completes 18 years of age.
Sukanya Samriddhi Account matures after a period of 21 years from the date of opening of the account.
This account can be closed after the marriage of the girl child.
