Sukanya Samriddhi Yojana: Under Sukanya Samriddhi Yojana, any parent can open the account of his daughter. For this, the age of the daughter should be less than 10 years.
Sukanya Samriddhi Yojana: If you are also the father of a daughter, then of course you must be thinking of making some investment for her better future. The first option is Sukanya Samriddhi Yojana in front of the people. This scheme was started by the government for the daughters. This is a scheme that gives guaranteed returns. With this scheme, you can prepare a huge fund for your daughter’s marriage or higher education.
The special thing about this scheme is that investment can be started from Rs.250 in it. Interest is also good in this as compared to other schemes. Along with this, the benefit of tax exemption is also available. It gives better returns as compared to other small savings schemes.
The government is giving interest at the rate of 7.6 per cent per annum on the Sukanya Smridhi Yojana. A maximum of Rs 1.5 lakh can be invested in a financial year. At the same time, if at least 250 is not invested in any financial year after the account is opened, then a fine of Rs 50 will be imposed.
There is no risk of any kind in this government scheme. This scheme will mature when the daughter attains the age of 21 years. In this scheme, you do not have to deposit money for the entire 21 years. Money can be deposited only for 15 years from the time of opening the account. Whereas the daughter will continue to get interest till the age of 21 years. Account under Sukanya Samriddhi Yojana can be opened in any post office or bank.
how much return will you get
If you daughter’s age is 1 year and deposit Rs 500 every month in her name then total deposit amount in a year will be Rs 6000. When the daughter is 22 years old, the investment will be Rs 90,000. You will get interest of Rs 1,64,606. In total, after 21 years, you will get Rs 2,54,606 on maturity.
when can you withdraw money
This scheme will mature when the daughter turns 21. The money deposited in this can be withdrawn only after the daughter turns 18. Even after 18 years, only 50% of the total amount can be withdrawn from this scheme. The entire amount can be withdrawn when the daughter turns 21. Money can be taken in lump sum or in installments. You will get money only once in a year. You can take money in installments for a maximum period of five years.
Under this scheme, you can withdraw money before the maturity period. But the condition is that it is necessary to deposit the money for 15 years. Only then will this facility be available. To withdraw money, it is necessary to put the girl’s ID along with the request form.
