Sukanya Samriddhi Yojana in Hindi – Detail, Scheme, Form

0
1057
Sukanya Samriddhi Yojana 2018-19 - india yojna
Sukanya Samriddhi Yojana 2018-19 - india yojna

Sukanya Samriddhi Yojana 2018-19 – India Yojna

Here you can find all detail about Sukanya Samriddhi Yojana like its features, benefits and interests. The Sukanya Samriddhi Yojana was launched as a part of the Beti Bachao, Beti Padhao campaign by the Modi government on 22 January 2015.

In a gender-biased country like India where a female child is seen as a burden and liability on the family. The Sukanya Samriddhi Yojana is like a umbrella. Sukanya Samriddhi Yojana can save girl child and change mental turmoil of the parents/guardians, worrying about the future of their girl child.

Now, Sukanya Samriddhi Yojana is a small savings scheme which can be opened by the parents or a legal guardian of a girl child in any post office or authorised branches of some of the commercial banks like State Bank of India, Bank of Baroda, Canara Bank and so on. Here, the girl child is termed as the “Account Holder” and the guardian is the “Depositor”.

Benefits

With this scheme of Sukanya Samriddhi Yojana more than 76 lakhs people have benefitted from this scheme and have opened accounts worth Rs. 3,000 crores. Till November 2017, more than 1.26 crore accounts were opened across the country securing an amount of Rs 19,183 crore.

The government has slashed the minimum annual deposit requirement for accounts under the Sukanya Samriddhi Yojana to Rs 250 from Rs 1,000 – a move that will enable more number of people to take advantage of the girl child savings scheme. – 23 July 2018

Sukanya Samriddhi Yojana: A tax-free saving scheme for a girl child

Any parent or legal guardian of a girl child who is 10 years or below can open this account in the name of the child. In a bid to make this scheme operational, a one year grace period of 11 years has been announced. 

The innovative Sukanya Samriddhi Yojana not only envisages the financial security for every girl child living in the Indian households but also contributes towards making them financially independent.

More About Sukanya Samriddhi Yojana :

The account will also automatically close if the girl child gets married before the completion of the tenure of 21 years. Deposits can be made up to 14 years from the date of opening of the account. After this period the account will only earn interest as per applicable rates.

Premature withdrawal – withdrawing money before the completion of the maturity period of 21 years – can only be made by the girl child in whose name the account has been opened after she attains the age of 18 years.

withdrawal :

This withdrawal will also be limited to 50 per cent of the balance standing at the end of the preceding financial year, and will only be allowed for the purpose of higher education or if the girl intends to get married. In order to make a withdrawal, the account should have a deposit of at least 14 years or more.

Sukanya Samriddhi Account Yojana :

How to open Sukanya Samriddhi Yojana Account ?

The parents or the legal guardians of a girl child can open Sukanya Samriddhi Account in the government approved post offices or authorized branches of the commercial banks. The procedure is easy and simple. Important thing which was noticed that it can be opened online as well through an offline method.

Who will open Sukanya Samriddhi Yojana Account ? 

A Sukanya Samriddhi Account can only be opened by the parent/legal guardian for a maximum of two female children. An exemption is provided by presenting a medical certificate from an authorized medical institution for twins and triplets.

Where to open this account :

This account is opened in the authorized branches of Post Offices or commercial banks like State Bank of India, Bank of Baroda, Punjab National Bank, Bank of India, Canara Bank, Andhra Bank, UCO Bank, and Allahabad Bank, to name a few.

Age Criteria of Sukanya Samriddhi Application : 

A Sukanya Samriddhi account can only be opened for a girl child anywhere between her birth and 10 years of age.

Documents required For Sukanya Samriddhi Yojana : 

For Example :

  • Sukanya Samriddhi Account Opening Form
  • Birth Certificate of girl child (Account Beneficiary)
  • Identity Proof of depositor (Parent or legal guardian)
  • Passport, Ration Card, Electricity Bill, Telephone Bill, Driving License
  • PAN card, Ration card, Driving License, Passport – (as per RBI KYC guidelines)
  • Address Proof of depositor (Parent or legal guardian) – (as per RBI KYC guidelines)

Residential status : 

This account can only be opened for a girl child who is a resident of India. This scheme is unavailable for a girl child having non-resident status.

Even if the parents or the legal guardians are non-residents, then also this scheme will not be available to them.

Account in the name of the girl child : 

Sukanya Samriddhi account must always be opened in the name of a girl child and not in the name of her parents or legal guardians. They will only deposit an amount in the account on behalf of the minor girl child.

Number of accounts : 

A single parent/legal guardian can open only one account for every girl child in the family. A maximum of two accounts for two girl children can be opened in one family.

sukanya samriddhi yojana 2018 interest rate - india yojna
sukanya samriddhi yojana 2018 interest rate – india yojna

How is the interest rate on deposits calculated ? 

 Interest at the rate, to be notified by the government, compounded yearly will be credited to the account.

The interest rate of Sukanya Samriddhi Yojana follows : 


From April 1, 2014: 9.1%
On April 1, 2015: 9.2%
From April 1, 2016 -June 30, 2016: 8.6%
On July 1, 2016 -September 30, 2016: 8.6%
From October 1, 2016-December 31, 2016: 8.5%
On July 1, 2017- December 31, 2017: 8.3%
From January 1, 2018 – March 31, 2018 : 8.1%
On April 1, 2018 -June 30, 2018: 8.1%
From July 1, 2018 -September 30, 2018: 8.1%

Time to time interest rate change. Therefore you must have updated yourself.

The government fixes interest rates on quarterly basis based on the G-sec yields. The interest rate spread that the SSY enjoys over the G-sec rate of comparable maturity is 75 basis points.

Maximum duration of deposit in Sukanya Samriddhi Yojana Account :

The maximum duration for which a parent/guardian is required to deposit an amount in this account is 14 years. After the end of this duration, no more money is required to be deposited to this account and it will continue to accumulate interest until it matures/closed.

Threshold of deposits in Sukanya Samriddhi Yojana Account : 

Sukanya Samriddhi account can be opened with a minimum deposit of Rs. 250 per account.

A maximum limit on the amount of deposit to this account has been set at Rs.1.50 lakhs per account. There is no limit in the number of deposits in a month or a fiscal year.

Mode of payment of deposits in Sukanya Samriddhi Yojana Account : 

The cheque or the demand draft should be in the name of the-

  • For Banks/Financial institutions- Concerned Bank Manager
  • For Post Office-Concerned Postmaster

The parent or the guardian is required to write the girl child’s name and the account number on the back of the cheque or draft while making the payment of deposit.

Taxation aspects of Sukanya Samriddhi Yojana : 

The total maturity amount and the interest earned on this account is fully exempted from taxation under section 80C of Income Tax Act 1961 and follows Exempt-Exempt-Exempt (EEE) tax regime. As of now, an amount up to Rs. 1.5 lakh is exempted.

Currently, Sukanya Samriddhi Yojana SSY offers the highest tax-free return with sovereign guarantee and comes with the exempt-exempt-exempt (EEE) status.

The annual deposit (contributions) qualifies for Section 80C benefit and the maturity benefits are non-taxable.

Tenure of account :

This savings account remains active for a maximum period of 21 years from the date of opening of this account, after which the account stops to accrue any interest.

Can the account be transferred Sukanya Samriddhi Yojana ?

Yes, the account can be transferred anywhere in India if the girl child in whose name the account has been opened shifts to a place other than the city or locality where the account stands.

The transfer is free of cost on furnishing the proof of shifting of residence of either the parent/guardian or account holder.

If no such proof is submitted then the applicant has to pay Rs 100 to the post office or the bank to which the transfer is made.

Penalty In Sukanya Samriddhi Yojana : 

A penalty of Rs.50 will be imposed if there is a failure in meeting the minimum deposit requirements in account of Sukanya Samriddhi Yojana. Deposit amount on time otherwise you get penalty.

Closure of Account : Sukanya Samriddhi Yojana

This account gets closed after it attains maturity after completing the tenure of 21 years.

The money lying in this account including the interest is paid to girl child after attaining 18 years of age and on submission of an account closure application along with address and identity proof, proof of residence and citizenship.

Can the account be opened in the name of an NRI girl child ?

Non-resident Indians can no longer open an Sukanya Samriddhi Yojana SSY account.

A girl child is eligible for an Sukanya Samriddhi Yojana SSY account only if she is a resident Indian citizen when the account is opened, and remains so until the maturity or the closure of account.

In fact, if you or your child’s residential status changes to non-resident or she takes up another country’s citizenship during the term of the scheme, no interest shall be paid from the date of citizenship or residential status changes and the account will be considered closed.

Sukanya Samriddhi Yojana 2018-19 - india yojna
Sukanya Samriddhi Yojana 2018-19 – india yojna

List of Authorized Banks for Sukanya Samriddhi Account

The Reserve Bank of India has already issued a list of authorized banks that would be opening SSA as a service.

Moreover, there are lots of people who are searching for a list of banks that would be dealing in Sukanya Samriddhi Account. you can open your Sukanya Samriddhi Yojana account in following banks :

  • Union Bank of India
  • State Bank of India (SBI)
  • UCO Bank
  • Allahabad Bank
  • Axis Bank
  • Indian Overseas Bank (IOB)
  • Punjab national bank (PNB)
  • State Bank of Mysore (SBM)
  • Corporation Bank
  • State Bank of Hyderabad (SBH)
  • ICICI Bank
  • Dena Bank
  • State Bank of Travancore (SBT)
  • Bank of Baroda (BOB)
  • Central Bank of India (CBI)
  • State Bank of Bikaner & Jaipur (SBBJ)
  • Oriental Bank of Commerce (OBC)
  • Canara Bank
  • Bank of Maharashtra (BOM)
  • Bank of India (BOI)
  • Andhra Bank
  • State Bank of Patiala (SBP)
  • Vijaya Bank
  • United Bank of India
  • Syndicate Bank
  • Punjab & Sind Bank (PSB)
  • Indian Bank
  • IDBI Bank

You can choose government bank as well as Private bank. Also you select Post Office for account open.

for the purpose of saving it is best option for all people.

Sukanya Samriddhi Yojana / Scheme Application Form

The application form for Sukanya Samriddhi Yojana is available online. On other hand you can also download Sukanya Samriddhi Yojana Application Form From here.

Alternatively, the hard copy of the form is available at all post offices as well as authorized bank branches.

The form consists of personal details like name, age etc. of the account holder and identity details and address details. The rest of the form is for official use by banks or post offices.

To download Application Form : Click Here

Disclaimer
Only those rules which hugely impact the buying decision are mentioned here.
For complete information, you need to contact the issuer while applying for the scheme. Also, rules are subject to change and accordingly impact the buying decision. 

Terms related to Sukanya Samriddhi Account

‘Depositor’ means an individual who, on behalf of a minor girl child of whom he or she is the guardian, deposits money in an account under the rules. 

‘Post office’ means any post office in India doing savings bank work and authorised to open an account under these rules. 

‘Bank’ means any branch of a commercial bank authorised by the central government to open.

 

Sukanya Samriddhi Yojana in Hindi
Sukanya Samriddhi Yojana in Hindi

Sukanya Samriddhi Yojana 2018-19 – In Hindi

सुकन्या समृद्धि योजना :

भारत जैसे देश में जहाँ लड़के और लड़कियों में भेद समझा जाता है वहाँ  सुकन्या समृद्धि योजना एक छाते की तरह उन लड़कियों की सुरक्षा कर रहा है | 
भारत में गिरता लिंगानुपात हर वर्ग के लिए चिंता का विषय बन चुका है।
घर में लड़की के जन्म लेते ही उस लड़की के माता-पिता या अभिभावक को उसके शादी और पढाई के खर्चे की चिंता सताने लगती है |
ऐसे में  सुकन्या समृद्धि योजना उन बच्चियों की मदद करता है |
महिलाओं की शिक्षा, स्वास्थ्य और अन्य जरूरतों के लिए सरकार द्वारा कई योजनाएं चलाई जा रही हैं। लड़कियों की शिक्षा को बढ़ावा देने के लिए केंद्र सरकार ने सुकन्या समृद्धि योजना की शुरुआत की है।
केंद्र की मोदी सरकार ने 4 दिसंबर 2014 को बेटियों के लिए छोटी बजट योजनाओं को बढ़ावा देने के मकसद से विशेष जमा योजना ‘सुकन्या समृद्धि योजना’ की शुरुआत की।
सुकन्या समृद्धि योजना केवल बेटियों के लिए है। इसमें बालिका के माता-पिता या संरक्षक बेटी के नाम से खाता खुलवा सकते हैं।

संशोधन

वर्ष 2018-19 का बजट पेश करते हुए तत्कालीन वित्त मंत्री अरुण जेटली ने कहा था कि यह योजना मोदी सरकार की बड़ी सफलताओं में एक है । इसलिए सरकार ने सुकन्या समृद्धि योजना के अकाउंटके नियमो में बदलाव किये है | सुकन्या समृद्धि योजना 2016 में संशोधन कर दिया है। अब इस नए नियम के मुताबिक आप 250 रुपये सालाना जमा करके भी इस योजना में निवेश कर सकते है और इसका पूरा लाभ ले सकते है |

जेटली ने बजट में कहा था कि नवंबर, 2017 तक इस योजना के तहत 1.26 करोड़ खाते खुलवाए गए हैं। इनमें 19,183 करोड़ रुपये जमा हुए हैं। पीपीएफ और अन्य छोटी बचत योजनाओं की तरह इस योजना की ब्याज दर भी तिमाही आधार पर तय होती है।

मोदी सरकार ने जनवरी, 2015 में बेटियों के नाम पर यह बचत योजना शुरू की थी। और अब  केंद्र सरकार ने सुकन्या समृद्धि योजना में सालाना न्यूनतम जमा राशि की सीमा 1,000 रुपये से घटाकर 250 रुपये कर दी है। सरकार के इस कदम से योजना के उपभोक्ताओं की संख्या बढ़ सकती है। और इससे अब उन परिवार के लोगो को भी फायदा मिल सकेगा जो 1,000 रुपये नहीं भर सकते थे |
सुकन्या समृद्धि योजना का उद्देश्य बेटियों की पढ़ाई और उनकी शादी पर आने वाले खर्च को आसानी से पूरा करना है। लड़कियों की पढाई और उनकी शादी गरीब परिवार के लिए सबसे बड़ी समस्या होती थी और इसी वजह से कई बच्चियों की गर्भ में ही हत्या कर दी जाती थी | सरकार की इस योजना के अंतर्गत बेटी की पढ़ाई व शादी के लिए डाक विभाग के पास ‘सुकन्या समृद्धि योजना’ का अकाउंट खुलवाया जा सकता है।
डाक विभाग के किसी भी पोस्ट ऑफिस के साथ अकाउंट खोलने के लिए सुविधा सेंटर में भी अलग काउंटर खुलेगा। यहां जरूरी डॉक्यूमेंट्स जमा कराने के बाद अकाउंट खुलया जा सकेगा। आप यह अकाउंट किसी भी बैंक में भी खुलवा सकते है | बैंको की लिस्ट इसी पेज में निचे दी गयी है |

क्या है योजना ?

  • सुकन्या समृद्धि योजना के अंतर्गत माता-पिता को बेटी के नाम से एक अकाउंट खुलवाना होगा | उस अकाउंट में एक साल में 1 हजार से लेकर 1 लाख पचास हजार रुपए जमा कर सकता है। आप यह अकाउंट किसी भी बैंक या पोस्ट ऑफिस में खुलवा सकते है | आवेदन करने के लिए आपको एप्लीकेशन फॉर्म वही से मिल जायेगा | एप्लीकेशन फॉर्म यहाँ से भी डाउनलोड कर सकते है | डाउनलोड करने के लिए यहाँ पर क्लिक करे |
  • यह पैसा अकाउंट खुलने के 14 साल तक ही जमा करवाना होगा और यह खाता बेटी के 21 साल की होने पर ही मैच्योर होगा। अगर आप यह पैसा निकालना चाहते है तो बेटी के 18 वर्ष होने के बाद आधा पैसा निकलवा सकते है |
  • बेटी के 21 साल होने के बाद यह खाता बंद हो जाएगा और पैसा पालक या उसके माता – पिता को जमा की हुई राशि मिल जाएगी ।
  • अगर बेटी की 18 से 21 साल के बीच में ही शादी हो जाती है तो अकांउट उसी वक्त बंद हो जाएगा।
  • समय से अकाउंट में पैसे न जमा करने पर आपको पैनल्टी भरनी पड़ सकती है | अकाउंट में अगर पेमेंट लेट हुई तो सिर्फ 50 रुपए की पैनल्टी लगाई जाएगी।
  • आप पोस्ट ऑफिस के अलावा भी किसी सरकारी व प्राइवेट बैंक में यह खता खुलवा सकते है | बैंको की लिस्ट निचे प्रदान की गयी है |
  • सुकन्या समृद्धि योजना के तहत खातों पर आयकर कानून की धारा 80-जी के तहत छूट दी जाएगी। यह छूट हर साल बदल भी सकती है | सर्कार इस योजना में लगातार बदलाव करती  | इसलिए हमेशा सही जानकारी रखे |
  • पालक अपनी दो बेटियों के लिए दो अकाउंट भी खोल सकते हैं। आगर किसी पालक की 3 बेटी है तो वह इस योजना का लाभ नहीं ले सकेगा |
  • जुड़वां होने पर उसका प्रूफ देकर ही पालक तीसरा खाता खोल सकेंगे। पालक खाते को कहीं भी ट्रांसफर करा सकेंगे।

योजना के लिए आवश्यक दस्तावेज:

  • सुकन्‍या समृद्धि अकाउंट खुलवाने का फॉर्म
  • बच्‍ची का जन्‍म प्रमाणपत्र
  • जमाकर्ता (माता-पिता या अभिभावक) का पहचान पत्र जैसे पैन कार्ड, राशन कार्ड, ड्राइविंग लाइसेंस, पासपोर्ट आदि |
  • जमाकर्ता के पते का प्रमाणपत्र जैसे पासपोर्ट, राशन कार्ड, बिजली बिल, टेलीफोल बिल आदि | (as per RBI KYC guidelines)
  • पैसे जमा करने के लिए आप नेट-बैंकिंग का इस्‍तेमाल भी कर सकते हैं।
  • खाता खुल जाने पर जिस पोस्‍ट ऑफिस या बैंक में आपने खाता खुलवाया है वह आपको एक पासबुक देता है।

खाता खोलने के लिए जरूरी राशि

सुकन्या समृद्धि योजना में एक खाता 1000 रुपए की शुरुआती जमा राशि से खोला जा सकता है। एक वित्तीय वर्ष में इस खाते में न्यूनतम 1000 रुपए और अधिकतम 1 लाख 50 हजार रुपए जमा किया जा सकेंगे। जो की 2018 में  बदल गया है |

और अब न्यूनतम 250 रुपए  और अधिकतम 1 लाख 50 हजार रुपए जमा किया जासकता है | बेटी के 14 साल की उम्र पूरी होने तक खाते में पैसा जमा कर सकते हैं। 14 वर्ष की आयु के बाद खाते में पैसा नहीं जमा कर सकते हैं।

आयकर में छूट का लाभ

सुकन्या समृद्धि योजना के तहत खुलने वाले खातों को टैक्स से छूट मिलेगी। सुकन्या समृद्धि योजना का खाता देश के किसी भी हिस्से में ट्रांसफर कराया जा सकता है। इस योजना के तहत खुलने वाले खातों को आयकर कानून की धारा 80-जी के तहत छूट दी जाएगी।

खाता कब होगा मेच्योर

बेटी का खाता खोलने की तारीख से 21 वर्ष पूरा होने पर ही खाता मेच्योर होगा। बालिका का विवाह यदि 18 वर्ष के बाद या 21 वर्ष से पहले होता है तो शादी की तारीख के बाद खाता बंद कर दिया जाएगा।

अधिकतम तीन खाते खोले जा सकते हैं

एक व्यक्ति द्वारा अधिकतम दो से तीन खाते खोले जा सकते हैं। इस योजना में दो ही खाते का प्रावधान है लेकिन अगर जुड़ुवा लड़की है तो इस संबंध में आपको प्रमाण पत्र पेश करना होगा जिसके बाद आप तीसरा खाता खुलवा सकते हैं।

अनियमित भुगतान पर जुर्माना

आप अनियमित भुगतान करते है तो आपको 50 रुपये की पेनल्टी लगेगी |

Yearly Contribution Table – Sukanya Samriddhi Yojana

Table 1. SSA – Yearly Contribution Table

Yearly contribution Balance accumulated in 14 years Maturity amount after completion of 21 years
Rs.1,000 Rs.28,593 Rs.52,605
Rs.2,000 Rs.57,185 Rs.1,05,210
Rs.3,000 Rs.85,778 Rs.1,57,815
Rs.4,000 Rs.1,14,371 Rs.2,10,420
Rs.5,000 Rs.1,42,963 Rs.2,63,025
Rs.6,000 Rs.1,71,556 Rs.3,15,630
Rs.7,000 Rs.2,00,149 Rs.3,68,236
Rs.8,000 Rs.2,28,741 Rs.4,20,841
Rs.9,000 Rs.2,57,334 Rs.4,73,446
Rs.10,000 Rs.2,85,927 Rs.5,26,051
Rs.11,000 Rs.3,14,519 Rs.5,78,656
Rs.12,000 Rs.3,43,112 Rs.6,31,261
Rs.15,000 Rs.4,28,890 Rs.7,89,076
Rs.18,000 Rs.5,14,668 Rs.9,46,891
Rs.21,000 Rs.6,00,446 Rs.11,04,707
Rs.24,000 Rs.6,86,224 Rs.12,62,522
Rs.25,000 Rs.7,14,816 Rs.13,15,127
Rs.27,000 Rs.7,72,002 Rs.14,20,337
Rs.30,000 Rs.8,57,780 Rs.15,78,152
Rs.33,000 Rs.9,43,558 Rs.17,35,968
Rs.36,000 Rs.10,29,336 Rs.18,93,783
Rs.42,000 Rs.12,00,891 Rs.22,09,413
Rs.48,000 Rs.13,72,447 Rs.25,25,044
Rs.50,000 Rs.14,29,633 Rs.26,30,254
Rs.54,000 Rs.15,44,003 Rs.28,40,674
Rs.60,000 Rs.17,15,559 Rs.31,56,305
Rs.66,000 Rs.18,87,115 Rs.34,71,935
Rs.72,000 Rs.20,58,671 Rs.37,87,566
Rs.75,000 Rs.21,44,449 Rs.39,45,381
Rs.84,000 Rs.24,01,783 Rs.44,18,826
Rs.96,000 Rs.27,44,895 Rs.50,50,087
Rs.1,08,000 Rs.30,88,007 Rs.56,81,348
Rs.1,20,000 Rs.34,31,119 Rs.63,12,609
Rs.1,32,000 Rs.37,74,230 Rs.69,43,870
Rs.1,44,000 Rs.41,17,342 Rs.75,75,131
Rs.1,55,000 Rs.42,88,898 Rs.78.90,762

Monthly Contribution Table – Sukanya Samriddhi Yojana

Table 2. SSY – Monthly Contribution Table

Monthly Deposit Balance accumulated in 14 years Maturity amount after completion of 21 years
Rs.500 Rs.1,69,937 Rs.3,12,652
Rs.1,000 Rs.3,39,874 Rs.6,25,305
Rs.1,500 Rs.5,09,812 Rs.9,37,957
Rs.2,000 Rs.6,79,749 Rs.12,50,609
Rs.2,500 Rs.8,49,686 Rs.15,63,262
Rs.3,000 Rs.10,19,623 Rs.18,75,914
Rs.4,000 Rs.13,59,497 Rs.25,01,219
Rs.5,000 Rs.16,99,372 Rs.31,26,523
Rs.6,000 Rs.20,39,246 Rs.37,51,828
Rs.7,000 Rs.23,79,121 Rs.43,77,133
Rs.7,500 Rs.25,49,058 Rs.46,89,785
Rs.8,000 Rs.27,18,995 Rs.50,02,437
Rs.9,000 Rs.30,58,869 Rs.56,27,742
Rs.10,000 Rs.33,98,744 Rs.62,53,046
Rs.11,000 Rs.37,38,618 Rs.68,78,351
Rs.12,000 Rs.40,78,492 Rs.75,03,656
Rs.12,500 Rs.42,48,430 Rs.78,16,308

Disadvantages of Sukanya Samriddhi Yojana / Scheme

Apart from the various great features and benefits that the scheme offers of Sukanya Samriddhi Yojana.

There are a few drawbacks.

  • The time period of the deposit amount in Sukanya Samriddhi Yojana is long. If we compared to other financial products which are available in market till date.
  • This scheme Sukanya Samriddhi Yojana is only for those parent or guardian who have only two daughter. But suppose any parent have 3 girl child then he did not get Sukanya Samriddhi Yojana benefit.
  • The scheme Sukanya Samriddhi Yojana have a great fault which is you can not deposit amount online. In today generation everyone want to pay online from anywhere.
  • The rate of interest is not fix. It is changing every year in the month of April.

Advantages of Sukanya Samriddhi Yojana / Scheme

Here we have tell you some great features of Sukanya Samriddhi Yojana. There are many amazing Features associated with Sukanya Samriddhi Yojana launched by Honorable Prime Minister Shri Narendra Modi.

Let us look into a few of these features that aim to make this scheme popular and profitable.

  • Highest interest rates on Sukanya Samriddhi Yojana as comparing to all the other financial products. So it is one of the best platform to invest.
  • Tax benefits under section 80C make Sukanya Samriddhi Yojana more profitable invest.
  • Sukanya Samriddhi Yojana is best not only for the girl child but her Guardians OR parents too.
  • Maturity amount of Sukanya Samriddhi Yojana is directly depositing to girl child account. It is a another best point of Sukanya Samriddhi Yojana.
  • Girl child who is mature to understand operation of account is free to handle the account on her own
  • It is an agent-free scheme and as such people can directly reach out to authorized banks and post offices.
  • Minimum yearly amount required Rs.250 and the maximum amount limit of Rs.1.5 lakhs.
  • One more important feature of Sukanya Samriddhi Yojana is its Flexibility in terms of the amount of deposit. The frequency of deposit is an essential feature of Sukanya Samriddhi Yojana. Therefore every parent can pay their premium on time.
  • The scheme Sukanya Samriddhi Yojana is 100% tax free.

In Summary we have to tell you that you must fill Sukanya Samriddhi Yojana Form. After all it is scheme for our girls child. Girls are future of world..

As we have study this important Yojana we found that it is very Good for all. Therefore we recommend that collect all detail and fill this form. Another important thing is that you can read more about indian yojana in our website www.IndiaYojna.Com

Of course you need our help then contact us with the help of contact form.