Sukanya Samridhi Yojana 2024 (Sukanya Samridhi Yojana): Friends, our country’s Prime Minister Shri Narendra Modi has started Sukanya Samriddhi Yojana (SSY Scheme) for the bright future of the girls of the country. If a little girl is born in your house and you are worried about her future, then now you do not need to worry. Because this Sukanya Yojana has been launched by the government to meet the expenses incurred in the future education and marriage of daughters.
Under this scheme, parents open a savings account before their daughter turns 10 years old. This account can be opened by the guardian through a bank or post office. The girl’s parents can deposit ₹250 to ₹1.5 lakh per year in this account. In the savings account opened under this scheme, the government also gives compound interest on the amount deposited in the account at a fixed rate.
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If you are looking for a better future for your daughter Sukanya Samriddhi Yojana 2024 If you want to open an account and want to take advantage of this scheme, then we will provide you complete information related to the SSY scheme. Like – what is Sukanya Samriddhi Yojana, features of this scheme, its objective, eligibility, necessary documents required to open an account under this scheme, etc. We are going to give detailed information about it. So please read this article till the end.
Sukanya Samriddhi Yojana 2024 (SSY Scheme)
Sukanya Samridhi Yojana has been started by the central government to meet the expenses of future education, higher education and marriage of daughters so that parents can raise their daughters well without worrying about their future. This is an ambitious scheme started under the Beti Bachao Beti Padhao scheme of the Government of India.
Under the Sukanya scheme, parents open an investment account for their daughter. In which a minimum of ₹ 250 to a maximum of 1.5 lakh rupees can be invested every year. At present, interest is being provided at the rate of 7.6% on the amount deposited in the Sukanya account. If you want more information related to the SSY scheme, then read this article further.
Sukanya Samridhi Yojana 2024 Overview
| Name of the scheme | Sukanya Samriddhi Scheme |
| was launched | by the central government |
| Beneficiary | Girls under 10 years of age |
| Objective | Securing the future of daughters |
| Benefit | Savings for the expenses incurred in higher education and marriage of daughters. |
| investment amount | Minimum Rs 250 to maximum Rs 1.5 lakh |
| Current Year | 2024 |
| official website | https://www.india.gov.in/sukanya-samriddhi-yojna |
Objective of Sukanya Samriddhi Yojana 2024
The main objective of the government to launch Sukanya Samriddhi Yojana is to secure the future of girls. Often, when a girl is born, the parents of poor families get worried about what their daughter’s future will be like. They are always worried about the expenses of their daughter’s education and marriage. To free them from all these worries, the government has launched Sukanya Yojana.
Through this scheme, any parent belonging to a poor family can easily open a savings account and invest in it for the bright future of their daughter. This will ensure that when the daughters grow up, they will not have to worry about money and the daughters will also be able to become self-reliant.
Features of Sukanya Samriddhi Yojana (SSY)
- SSY scheme has been started by Prime Minister Narendra Modi for the girls of the country.
- Under this scheme, parents can open a savings account for the bright future of their daughter.
- The savings account opened under this scheme can be operated by the girl child’s parents till she attains the age of 10 years.
- A minimum of ₹250 to a maximum of ₹1.5 lakh can be deposited per year in the account opened by the girl’s parents.
- Sukanya Yojana It is mandatory for the account holder to invest for 15 years in the account opened under this.
- If parents want to withdraw the amount deposited in this account for their daughter’s higher education, then they can withdraw 50% of the amount deposited after the girl attains the age of 18 years.
- After opening the account in the name of the girl child, if no amount is deposited then a penalty of ₹50 is levied on the account every year.
- Investors are provided interest at the rate of 7.6% under the SSY scheme.
- On opening an account under this scheme, you are also given tax exemption as per the Income Tax Act.
- Under Sukanya Scheme, accounts can be opened for two girls from one family.
Eligibility for Sukanya Samriddhi Yojana
- To open an account under this scheme, the girl and her parents should be permanent residents of the country.
- Under Sukanya Scheme, accounts can be opened for only two girl children of a family.
- To open an account under Sukanya Samridhi Yojana, the girl child should be less than 10 years of age.
- Under this scheme, only one account can be opened in the name of a girl child.
Documents required for Sukanya Samriddhi Yojana
SSY Scheme Required Documents: If you want to open an account for your daughter under Sukanya Samriddhi Yojana, then you will need the following documents which you will have to take to the bank or post office. All the documents are as follows –
- There should be a birth certificate of the girl child.
- Parent’s Aadhaar Card / PAN Card / Identity Card
- Address proof
- Documents required by the bank or post office.
- Passport size photograph
List of banks for opening SSY account
The list of banks for opening an account under Sukanya Samriddhi Yojana is given below. You can open a savings account for your daughter’s future by visiting the nearest branch of all these banks.
- state Bank of India
- Punjab National Bank
- bank of india
- Bank Of Baroda
- Bank Of Maharashtra
- Allahabad Bank
- axis Bank
- Andhra Bank
- Punjab And Sind Bank
- Union Bank Of India
- UCO Bank
- Vijaya Bank
- Oriental Bank Of Commerce
- State Bank Of Hyderabad
- Bank Of Maharashtra
- United Bank Of India
- Canara Bank
- Dena Bank
- State Bank Of Patiala
- State Bank Of Mysore
- IDBI Bank
- State Bank Of Travancore
- ICICI Bank
- State Bank Of Bikaner And Jaipur
When can I withdraw the amount deposited in SSY account
If you deposit money in the account under Sukanya Scheme and you want to withdraw the deposited amount, then you can withdraw the deposited amount in the following situation.
- If the girl child turns 18 years old, she can withdraw 50% of the amount deposited in the account for higher education.
- But the amount can be withdrawn only once in a year and in installments for a maximum of 5 years.
- It is mandatory to invest in the investment account opened under Sukanya Scheme for 15 years.
Under what circumstances can the SSY account be closed
In these circumstances, you can close the Sukanya account before attaining the age of 18 years and withdraw the amount deposited in the account.
- In case the daughter is married: The beneficiary can withdraw the money before the maturity period for her marriage expenses after the girl child attains the age of 18 years.
- In case of death of the account holder: In case of accidental death of the account holder, in this case the girl child’s parents can withdraw the amount deposited in the Sukanya Yojana account.
- Being financially unable to continue the account: If the guardian is unable to continue the account of the girl child beneficiary then in this case the SSY account can be closed before the maturity period.
Sukanya Samriddhi Yojana Calculator 2024
If you want to calculate the maturity amount, you can calculate it through Sukanya Samriddhi Calculator (SSY Calculator). Information about the maturity amount can be obtained through details such as investment made per year and interest rate. An interest rate of 7.6% is provided on the amount deposited under the SSY Scheme.
in Sukanya Samriddhi Yojana ₹1000 How much will you get upon deposit?
| Total amount in 1 year by depositing 1000 per month | Rs.12,000/- |
| Total amount deposited in 15 years | Rs.1,80,000/- |
| Total interest on the amount deposited for 21 years | Rs.3,29,000/- |
| Total amount received on maturity | Rs.5,09,212/- |
in sukanya scheme ₹2000 How much will you get upon deposit
| Total amount in 1 year by depositing 2000 per month | Rs.24,000/- |
| Total amount deposited in 15 years | Rs.3,60,000/- |
| Total interest on the amount deposited for 21 years | Rs.6,58,425/- |
| Total amount received on maturity | Rs 10,18,425/ |
in sukanya scheme ₹5000 How much will you get upon deposit
| Total amount in 1 year by depositing 5000 per month | Rs.60,000/- |
| Total amount deposited in 15 years | Rs.9,00,000/- |
| Total interest on the amount deposited for 21 years | Rs.16,46,062/- |
| Total amount received on maturity | Rs.25,46,062/- |
in sukanya scheme ₹10000 How much will you get upon deposit
| Total amount in 1 year on depositing 10000 per month | Rs.1,20,000/- |
| Total amount deposited in 15 years | Rs.18,00,000/- |
| Total interest on the amount deposited for 21 years | Rs.33,30,307/- |
| Total amount received on maturity | Rs.51,03,707/- |
in sukanya scheme ₹12000 How much will you get upon deposit
| Total amount in 1 year by depositing 12000 per month | Rs.1,44,000/- |
| Total amount deposited in 15 years | Rs.21,60,000/- |
| Total interest on the amount deposited for 21 years | Rs.39,50,549/- |
| Total amount received on maturity | Rs.61,10,549/- |
How to open an account under Sukanya Samriddhi Yojana 2024
- To open an SSY account, first of all the parent has to go to his nearest bank or post office.
- Now from here they have to get the application form for Sukanya Samriddhi Yojana.
- Now you have to carefully fill all the information asked in this application form.
- After filling the form, attach all the required documents asked for with the form.
- After completing this process, you have to go to the bank or post office and submit the application form.
- In this way you can open an account for your daughter under Sukanya Samriddhi Yojana.
Sukanya Samridhi Yojana related FAQs
Question 1. How to open an account under Sukanya Samridhi Yojana?
Answer. If you want to open an account under Sukanya Yojana for the bright future of your daughter, then you can go to your nearest bank or post office and open an account.
Question 2. Can I close my Sukanya Samriddhi Account?
Answer. Some conditions have been imposed for closing the Sukanya Yojana account, the information of which we have given you in detail in this article.
Question 3. What documents are required to open a Sukanya account?
Answer. To open an account under Sukanya Yojana, Sukanya Samriddhi Yojana application form, girl child’s birth certificate, parents’ Aadhaar card, PAN card, identity card, passport size photo and other documents demanded by the bank or post office are required.
Question 4. What is the helpline number for Sukanya Samriddhi Yojana?
Answer. If you need any information related to this scheme, you can get information by contacting its helpline number (toll free number) 18002666868.
My name is S. Koli, and I am an experienced operator at the Jan Sewa Kendra (CSCs). For the past 7 years, I have been working on online form filling and providing the latest information about government jobs and schemes to the general public. Currently, I am working with platforms like SDSCW-JP and others.
