પ્રધાનમંત્રી સુકન્યા સમૃદ્ધિ યોજના:Sukanya Samriddhi Yojana | How to Open an Account and Maximize Benefits
The Pradhan Mantri Sukanya Samriddhi Yojana (PMSSY) is a revolutionary initiative launched by Prime Minister Narendra Modi in January 2015 as part of the 'Beti Bachao, Beti Padhao' campaign. This scheme is designed to secure the future of every girl child in India, ensuring that they become self-reliant and prosperous. Under this scheme, a savings account is opened for the girl child, making it straightforward for parents to invest in their daughters' futures. These accounts can be opened at banks or post offices, similar to Public Provident Fund (PPF) accounts. The scheme aims to cover the costs of a girl’s education and marriage, providing financial security to both the girl and her parents. It features high-interest rates for low investments, making it an attractive option for many families.
Key Features of the Scheme
Minimum and Maximum Deposit : Parents can deposit a minimum of ₹250 and up to ₹1.5 lakh per year.
Attractive Interest Rates : The scheme offers an annual interest rate of 7.6%.
Full Withdrawal for Marriage : As per the new rules, 100% of the funds can be withdrawn for the daughter's marriage.
Tax Benefits : Deposits made under this scheme are eligible for tax benefits under Section 80-C of the Income Tax Act.
Interest Post-Maturity : No interest is earned after the girl turns 21 years old.o
How to Open an Account ?
Opening an account under the Sukanya Samriddhi Yojana is simple. You can visit your nearest post office or bank and fill out the application form. Alternatively, you can download the form from the internet or the India Post website. Attach a photograph of your daughter and submit the form at the post office. Make sure to provide the required documents, including:
- Duly filled and signed application form.
- Photocopy of your ID and address proof.
- Copy of your daughter's birth certificate.
- Passport-sized photographs of you and your daughter.
If you encounter any issues, such as being told that the scheme is not available, be patient as the scheme may take some time to reach all locations.
Important Points to Remember
Deposit Flexibility : You can deposit a minimum of ₹1,000 and up to ₹1.5 lakh annually. Deposits can be made at any time during the year.
High Interest Rates : The scheme offers higher interest rates compared to PPF accounts.
Penalty for Missing Deposits : If you miss a deposit in any year, a penalty of ₹50 is charged.
Premature Withdrawal : Funds can be withdrawn prematurely if the daughter gets married after turning 18.
Multiple Accounts : Parents with two daughters can open two accounts, but a maximum of two accounts are allowed per family.
Online Deposit Facility : The scheme also offers an online deposit facility.
No Loans Against Account : Loans cannot be taken against this account.
Eligibility and Application Process
The scheme allows parents or guardians to open an account for a girl child born on or after December 2, 2003. Guardians can also open accounts for orphaned girls through court-appointed guardians. A maximum of two accounts per family is permitted, with a minimum deposit of ₹1,000 per year and a maximum of ₹1.5 lakh.
To apply, you can contact your local post office or bank, or download the application form using the link below:
[Sukanya Samriddhi Yojana Application Form](https://rbidocs.rbi.org.in/rdocs/content/pdfs/494SSAC110315_A3.pdf)
Conclusion
The Pradhan Mantri Sukanya Samriddhi Yojana is an essential scheme for securing the future of girl children in India. It not only encourages parents to invest in their daughters' education and marriage but also provides substantial financial benefits and security. By opening an account under this scheme, parents can ensure a bright and prosperous future for their daughters, contributing to their self-reliance and overall development.
By opting for the Sukanya Samriddhi Yojana, you are not just saving money; you are investing in your daughter’s bright and secure future.
Download Sukanya Samriddhi Yojana Form pdf : Click Here
Sukanya Samriddhi Yojana Online Apply : Click Here
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