Sukanya samriddhi yojana 2022 : Whenever a girl child is born in our homes. From the very birth, parents start planning about the future of the child. From his studies till his marriage, his parents start collecting money. He is always worried about the future of his daughter. But now the government is also helping the parents in grooming the future of the daughters.
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The government is running Sukanya Samriddhi Yojana for daughters . By investing in this scheme, parents can secure the future of their daughters. How to take advantage of it Sukanya Samriddhi Yojana is such a long term plan. By investing in this, you can add money from your daughter’s education to marriage expenses. Under Sukanya Samriddhi Yojana, the account of daughters below the age of 10 years is opened in the name of their parents only.
Under this scheme, you can invest from Rs 250 to Rs 1.50 annually. How many daughters will open an account from a family, earlier in this scheme, only two daughters’ account was exempted from tax under 80C. But now it has changed and under the rule, if two twin daughters are born after one daughter, then their account will also get tax exemption.
When can accounts be closed?
The account opened under Sukanya Samriddhi Yojana could be closed in the first two circumstances. If the girl child dies or if the address of the daughter’s residence is changed, then this account could be closed. But after the new change, the life-threatening illness of the account holder has also been included in it. The account opened under Sukanya Samriddhi Scheme can be closed prematurely even after the death of the parents.
How to open account?
To take advantage of this scheme, you can open an account by visiting any nearest post office or bank. Sukanya Samriddhi Yojana matures in 21 years. However, after the girl’s age is 18 years, money can be withdrawn from this account for studies. Full amount is available only after 21 years.
Documents required for Sukanya Samriddhi Yojana-
At the time of opening the account under Sukanya Samriddhi Yojana, it is necessary to give the girl’s birth certificate in the post office or bank. Also, the identity card and address proof of the girl and her parents are required.
How will the amount be deposited in the account?
The amount invested in the Sukanya Samriddhi Yojana account can also be deposited in cash, cheque, demand draft or in any such manner as the bank accepts.
How much interest will you get on investment?
At present, interest is getting at the rate of 7.6% on investment in Sukanya Samriddhi Yojana. Under this scheme, by investing a small amount, you can add lakhs of rupees. Sukanya Samriddhi Yojana is getting more interest than all the savings schemes of the bank or post office.
If you invest up to Rs 1000 every month under this scheme, then according to 7.6% interest rate, you will get an amount of more than Rs 10 lakh like this.
• Deposited in 1 month – Rs 1000
• Total deposit in 12 months Rs -12000
• Deposit up to 15 years – Rs -18,0000
• Total interest on deposit up to 21 years + Total deposit – Rs 329,212
• On attaining 21 years But after adding the total deposit + total interest, the money will be returned – Rs 10,18,425
• In this way, when your daughter is 21 years old, then lakhs of rupees will be deposited in her name. When you want your daughter to get married, then you can easily withdraw this money.
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