Even today there are many people in our country who are not happy when a daughter is born, the main reason being that they feel that daughters are a burden on them, but now some such scheme is being run by the government, due to which some Daughters will no longer be a burden to any person. One such important scheme is Sukanya Samriddhi Yojana, which has been started especially for the marriage of daughters or for the education of daughters. By depositing a small amount in this scheme, you can get good money later. Let us know what is Sukanya Samriddhi Yojana and how to apply in Sukanya Samriddhi Yojana.
PM Sukanya Samriddhi Yojana 2023
| Yojana name | Pradhan Mantri Sukanya Samriddhi Yojana 2023 |
| Who Started | Central Government (Narendra Modi) |
| Objective | To save girls from future economic problems |
| Beneficiary: | Girls below the age of 10 years of the country |
| Helpline Number | 1800 223 060 |
PM Sukanya Samriddhi Yojana Latest Update
Recently, a big decision has been taken by the Central Government regarding the Sukanya Samriddhi Yojana, that is, till now 7.6% interest rate was available for this scheme, but now it has been increased. Now 8% interest rate will be available in this scheme, which means that it has a guarantee of return of more than 3 times on maturity. In fact, the central government has increased the interest rates of small savings schemes from April. This scheme is also one of them.
What Is PM Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana is a type of investment saving scheme launched by the Central Government of India especially for girls. Under this scheme, parents can deposit money for the bright future of their daughters. Under the scheme, parents of girls below the age of 10 years can open an account of Sukanya Samriddhi Yojana in the name of their daughters and by depositing a fixed amount in this scheme every month, they can be successful in getting a good amount. . The account opened for daughters under the scheme becomes mature after the daughter completes 18 years of age. You have to invest in this account for about 15 years. The interest rate on the money invested under the scheme is decided by the government from time to time. Tax exemption is also available under Section 80C of the Income Tax Act 1961 for investing a maximum of ₹ 1,50,000 in 1 year under Sukanya Samriddhi Yojana.
PM Sukanya Samriddhi Yojana Objective
The government has started this scheme with the same objective so that their parents can get rid of the economic problems faced by daughters in future, because at present inflation has increased a lot. In such a situation, parents belonging to middle class families are very concerned about their daughters’ higher education and their marriage. However, due to the introduction of this scheme now, parents will be able to get a huge amount of money by depositing a fixed amount every month, so that they can get their daughters married with pomp and financial assistance in their studies as well. will be able to do. In this way parents will no longer find their daughters a burden.
PM Sukanya Samriddhi Yojana PNB Bank Benifits
Punjab National Bank is providing facility to its customers to open Sukanya Samriddhi Yojana account in their bank. This information has been given by the bank through its official Twitter account that the guardian or legal guardian of daughters can open Sukanya Samriddhi Yojana account in Punjab National Bank in the name of daughters. And start investing. The benefits that are available on this scheme in general, the same benefits will also be available on opening Sukanya Samriddhi Yojana account in Punjab National Bank.
PM Sukanya Samriddhi Yojana Key Features
- This scheme has been started by the Government of India for girls below the age of 10 years in the country so that their future can be bright.
- The person gets interest at the rate of 7.6% on this scheme. There will be no tax on this interest.
- In comparison to other schemes, investors in this scheme will get guaranteed returns at a higher rate of interest.
- In this scheme, according to their economic situation, a person can invest at least ₹ 250 every month or up to a maximum of ₹ 150000 every year.
- Under Section 80C of the Income Tax Act, the scheme will get tax exemption up to 500000 every year.
PM Sukanya Samriddhi Yojana Investment Limit
Under the scheme, if an account has been opened by a person, then he can invest at least ₹ 250 and a maximum of ₹ 1.5 lakh in this scheme in 1 year. The person has to deposit this money for about 15 years. If your daughter’s age is 8 years, then you will be required to deposit the minimum investment amount in this account for 23 years. Thereafter you are entitled to earn interest on the investment money till maturity.
PM Sukanya Samriddhi Yojana Premium
In this scheme, you can invest at least ₹ 250 in 1 year and you can invest a maximum of 1.5 lakh rupees. It depends on you how much premium you will have to pay in this plan. If you want, you can pay a premium of ₹ 250 every month or you can pay a premium of ₹ 500 or you can even pay a premium of ₹ 1000.
PM Sukanya Samriddhi Yojana Intrest Rate
PM Sukanya Samriddhi Yojana Intrest Rate
Below you have been given information about the interest rate you will get in the financial year of this scheme.
| Financial Year | Intrest Rate |
|---|---|
| April to June 2022 (Q1, FY 2022-23) | 7.6% |
| January to March 2022 (Q4, FY 2021-22) | 7.6% |
| October to December 2021 (Q3, FY 2021-22) | 7.6% |
| July to September 2021 (Q2, FY 2021-22) | 7.6% |
| April to June 2021 (Q1, FY 2021-22) | 7.6% |
| January to March 2021 (Q4, FY 2020-21) | 7.6% |
| October to December 2020 (Q3, FY 2020-21) | 7.6% |
| July to September 2020 (Q2, FY 2020-21) | 7.6% |
| April to June 2020 (Q1, FY 2020-21) | 7.6% |
| January to March (Q4, FY 2019-20) | 8.4% |
| October to December 2019 (Q3, FY 2019-20) | 8.4% |
| July to September 2019 (Q2, FY 2019-20) | 8.4% |
| April to June 2019 (Q1, FY 2019-20) | 8.5% |
| January to March 2019 (Q4, FY 2018-19) | 8.5% |
| October to December 2018 (Q3, FY 2018-19) | 8.5% |
| July to September 2018 (Q2, FY 2018-19) | 8.1% |
| April to June 2018 (Q1, FY 2018-19) | 8.1% |
| October to December 2017 (Q3, FY 2017-18) | 8.3% |
| July to September 2017 (Q2, FY 2017-18) | 8.3% |
| April to June 2017 (Q1, FY 2017-18): | 8.4% |
PM Sukanya Samriddhi Yojana Calculator
The maturity amount can be easily calculated by the account holder using the Sukanya Samriddhi calculator. The calculator calculates the maturity payout using information such as the amount invested every year and the interest rate mentioned by you. If you want to calculate the maturity amount of your account, then you can do so with the help of Sukanya Samriddhi calculator. Different amount is invested by the individual in this scheme. That’s why the amount of profit also varies. For example, if you invest ₹ 100000 every year in this scheme for 15 years, then your total investment in 15 years will be 1500000. If you are getting 7.6% interest rate for 1 year then interest at the end of 21 years will be 3,10,454.12 and maturity value at the end of 21 years will be 43,95,380.96.
PM Sukanya Samriddhi Yojana Eligibilty
- In this scheme, only daughters born in India will be eligible to take benefits.
- An account can be opened in the name of the daughter by the parents of the daughters or their legal guardian.
- The parents of the daughters or their legal guardian must also be permanent residents of India.
- Investment account can be opened under the scheme in the name of only 2 girls of a family.
- If a twin girl child is born in a family after the birth of a single girl child, then in such a situation separate investment accounts will be opened for the twin girls.
PM Sukanya Samriddhi Yojana Documents
- Aadhaar Card, PAN Card, Identity Card of the parent or legal guardian (by whom the account is operated)
- Birth certificate of girl child,
- Address proof
- Medical certificate
- All the necessary documents as asked by the bank or post office
PM Sukanya Samriddhi Yojana Bank Option
Sukanya Samriddhi Yojana account can be opened by going to the beneficiary post office. Or they can open an account in any of the following banks.
- 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
PM Sukanya Samriddhi Yojana How To Open SSY Accont
- To open an account in the name of your daughter in this scheme, first of all you have to go to the nearest post office or nearest bank and get the application form of Sukanya Samriddhi Yojana from there.
- After getting the application form, you have to enter all the information asked in the application form correctly in their respective places.
- After entering all the information, you have to attach the photocopies of the required documents with this application form.
- Now you have to submit the application form to the same post office or bank from where you got it.
- In this way, by following the above procedure, you can apply for opening an account in the name of your daughter in Sukanya Samriddhi Yojana.
PM Sukanya Samriddhi Yojana How To Deposit
Under the scheme, when you open an account in a bank or post office, then you are given the Sukanya Samriddhi Yojana account number. You can transfer money online to this account number or you can also deposit money by going to the bank or by going to the post office.
PM Sukanya Samriddhi Yojana Account Transfer
Sukanya Samriddhi Yojana account can be easily transferred from one post office to another post office or from one bank to another. You will get this facility when you are going to live at another place from your native place. To avail this facility, you have to present your proof of transfer. If you do not show proof of your transfer, then you will have to deposit a fee of ₹ 100 where you have an account. Sukanya Samriddhi Yojana account can be transferred electronically in the post office or bank where the service of core banking system is available in our country.
PM Sukanya Samriddhi Yojana Check Balance
- To check Sukanya Samriddhi Yojana account balance, first of all you have to get login credentials from your bank i.e. user name and password of your account.
- Now you have to login to the internet banking portal of your bank using your username and password.
- After login, the home page opens on your screen, where you have to click on the option with the confirmed balance.
- After this, the balance of Sukanya Samriddhi account opens on your screen.
- In this way, by following the process given above, you can check the balance of Sukanya Samriddhi Yojana account.
PM Sukanya Samriddhi Yojana Money Withdraw
Money has to be deposited in the accounts opened under the scheme for 15 years, but if the age of the daughter has been completed 18 years, then after that or after passing the tenth class, 50 from the account of the scheme for the education of the daughter. % money can be withdrawn. This money can be withdrawn by the parents or legal guardian of the girl child together or in EMI.
PM Sukanya Samriddhi Yojana When I Close SSY Account
After completing 18 years of age:-
If the girl child is 18 years old and wants to get money for her marriage, then the account opened under this scheme can be closed before the maturity period.
On the death of the account holder:-
In case of sudden death of the account holder or sudden death of the girl child, the parent or legal guardian can withdraw the money in the account and the interest earned thereon. To withdraw this money, the parent or legal guardian has to submit the document verified by the concerned authority in case of death of the account holder. After this, the money of the scheme will be sent to the bank account of the parent or legal guardian.
In case of non-payment of money:-
If the parents of the daughter are financially weak and they are not able to put money in this scheme, then even in such a situation the account can be closed. However, before that they have to take permission from the concerned officer.
PM Sukanya Samriddhi Yojana Helpline Number
Through this article, we have given you important information about PM Modi’s ambitious scheme Sukanya Samriddhi Yojana. We have tried to give you all the information about the scheme in the article, but in spite of this, if you want to get any other information about the scheme or you want to register a complaint, then the official toll free number of the scheme is 1800- 223-060. By dialing on this you can get all the information.
| Official Website | No Website |
| Helpline Number | 1800 223 060 |
Freequantly Asked Questions
What is the benefit of Sukanya Samriddhi Yojana?
The daughters of the country get financial assistance.
What are the rules of Sukanya Samriddhi Yojana?
When the daughter is 18 years old, she can withdraw money for marriage.
How much money can be deposited in Sukanya Yojana in 1 year?
At least ₹ 250 and maximum 1.5 lakh rupees.
When did Sukanya Samriddhi Yojana start?
January 2015
How to get the benefit of Sukanya Samriddhi Yojana?
A Sukanya Samriddhi account is opened in the name of the daughter in the bank or in the post office, then money is transferred to it by the government.
