Sukanya Samriddhi Account – Sukanya Samriddhi Yojana : Hello friends, today I am going to tell you the complete information about Sukanya Samridhi Yojana, so read the full post and don’t forget to share it with your friends when you like it. Thank you.
To create a bright future for the daughters of the country, the Modi government has started the Sukanya Samridhi Yojana, it is a savings scheme, under this scheme, the parents of the girls can keep the money for their future use for their studies and marriage.
It was started on 22 January 2015. It was launched as a part of the campaign of Beti Padhao Beti Bachao. Under Sukanya Samriddhi Yojana the government is providing an interest of 7.6%. Under the scheme, the parents of the girl child can open their account in any national bank or post office.
Only girls below the age of 10 years will be able to open an account under the scheme. The minimum amount to open an account is Rs 250 and the maximum amount is Rs 1.5 lakh, you can deposit the amount according to your status. And he can withdraw 50% of these money after the daughter completes 18 years.
Earlier it was mandatory to deposit Rs 1000 from this scheme. But now 250 rupees can be deposited every year. This will increase the number of citizens taking advantage of the scheme. You have to invest in it for 14 years after which you can withdraw the amount.
We will give you all the information related to it like: Purpose of the scheme, Benefits and features of the scheme, Documents required, Opening savings account application form for the scheme, How to view account balance, What changes were done under the scheme, How to RE-OPEN the account again Going to tell about do etc. To know related information, read the article till the end.
Sukanya Samriddhi Account – Sukanya Samriddhi Yojana
Let us tell you that on 12th December 2019, Sukanya Samriddhi Yojana was canceled and on the same day in 2019 a new Sukanya Yojana was made. Earlier the interest of 9.1% was fixed which has now been increased to 7.6. To become a beneficiary of the scheme, one does not have to go to the post office. To open an account, it is mandatory to have a PAN card or Aadhar card, through which you can open the account sitting at your home, the validity of the digital account will be 1 year. Applicant’s age must be 18 years or above to open an account.
Any parent who wants to get the benefit of this scheme, he wants to deposit money for the future for his daughter, he can open a savings account through the scheme. Sukanya Samriddhi Yojana is being run by the Indian Post Office. Earlier, people used to go round the post office to deposit money, but now efforts are being made to do all the work through digital medium so that citizens can get the facility easily, keeping this in mind, the government has started the Indian government. Post office digital account has been created through which money will be deposited and for this you will not even need to go to the post office and you will be able to transfer money directly to the bank or post office through your mobile.
Benefits and Features of Sukanya Samriddhi Yojana Scheme – Sukanya Samriddhi Account
- INCOME TAX SECTION 80-C Under Sukanya Samriddhi Yojana Investment Tax will also be exempted, so that you will be able to take advantage of tax exemption on investing Rs 1.5 lakh every year.
- Under the scheme, you can deposit money for your daughters for their future.
- The government will not levy any tax on the interest received every year, from this scheme your amount will only increase with the interest.
- You have to invest the prescribed amount in it every year for 14 years from the day your account was opened.
- Any citizen of the country can open the account of his daughter below the age of 10 years.
- You can open an account in Sukanya Samriddhi Yojana with Rs.250.
- You can withdraw 50% of the deposit amount only when the daughter turns 18 and when your daughter turns 21, you can withdraw the entire amount from the account at that time.
- You will get an interest of 7.6% per annum.
- You can open an account in authorized banks like: State Bank of India, Andhra Bank, Allahabad Bank, PNB Bank, Axis Bank, Bank of India, Bank of Maharashtra, Canara Bank, Baroda Bank, Dena Bank, and others.
- You can open an account in any bank, post office, which is a small savings scheme.
Under the Sukanya Samridhi Yojana launched by the government, only 2 girl children of the family can get the benefit of this scheme. If there are 2 twin daughters in any family, then 3 daughters of that family will be considered eligible for this scheme. You can only open the account of a girl child below 10 years of age and add money for her future studies and marriage. In this, you have to deposit money in the account for 14 years. In this scheme, the amount deposited by you matures after 21 years.
Sukanya Samriddhi Yojana Scheme Documents Required – Sukanya Samriddhi Account
- It is mandatory to have the birth certificate of the daughter.
- Identity Proof (PAN Card, Voter ID Card, Driving License, Passport etc.)
- Passport size photograph of parent and child
- Aadhar Card
- Address Proff
If you also want to get the benefit of this scheme, then you must first download the Sukanya Samriddhi Yojana Account Opening Form from the official website. After downloading the form, fill the information asked in it carefully. After which you attach the photo copy of the required documents with it. Now deposit it in the bank or post office, after which your savings account will be opened.
How to Check Sukanya Samriddhi Account Balance
You can see the account passbook through online and offline means, the way to check its balance is very easy because almost all the banks are providing the facility of this scheme to you. At the time of opening the account, you will be given its passbook along with it, you can also check your account balance through passbook, either you can see the balance through digital medium and also through mobile app. If you want to see your deposited amount, then you should read carefully the process given by us.
How to RE-OPEN Sukanya Samriddhi Yojana Account again?
The government has started the Sukanya Samridhi Yojana for the bright future of the daughters, through which the parents of the daughter can deposit money for her according to their own and its starting has been kept from 250 to 1.5 lakh rupees. It is very important that if you open the account of Sukanya Samriddhi Yojana in any post office, then you will have to deposit money in it every year according to your status.
If you deposit an amount of Rs 250, then you have to deposit the same amount every year. If you do not deposit the amount set by you in any year, then your account will be closed but you will be able to get this account re-opened. To activate the account again, you will have to go to the post office or bank, wherever you have your account. Now you have to fill the re-open form and deposit the remaining amount with penalty.
Example: For example, you have not deposited the amount of 500 rupees for 3 years, which was fixed by you to deposit in the savings account. So you will have to deposit Rs 1500 for 3 years as well as a fine of Rs 50 every year. That is, will have to be deposited together.