Sukanya Samriddhi Yojana is a small deposit scheme of the Government of India meant exclusively for a girl child and is launched as a part of Beti Bachao Beti Padhao Campaign. The scheme is meant to meet the education and marriage expenses of a girl child.
General information about the Sukanya Samriddhi Yojana scheme
Betty Bachao to launch self-sufficiency and uplift of the country’s daughters – Prime Minister Narendra Modi launched the Sukanya Enrichment Scheme in January 2015 in the Beta Padha campaign.
The PPF account is called the account which is opened for the girls under this scheme. An account can be opened in the name of the daughter at the bank or post office. The scheme is designed for the bright and secure future of the daughters.
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Features of the Sukanya Samriddhi Yojana scheme …
You can deposit at least 250 per year and a maximum of Rs.150,000. The interest rate of the account on the amount deposited is notified from time to time by the Finance Ministry of India. Interest rate is determined every financial year.
Under the new rule, 100% of the amount can be deducted on the marriage of the daughter. Taxes are exempt under 80-C on deposits. No interest is paid after the daughter turns 21.
How to open a plan account?
Visit the nearest bank or post office to get the Sukanya Enrichment Scheme form. Photograph the daughter and fill in the form details. Attach Xerox copy of all required documents. You can bring the form home and complete it and submit it later.
Sukanya Samriddhi Yojana is a small deposit scheme of the Government of India meant exclusively for a girl child and is launched as a part of Beti Bachao Beti Padhao Campaign. The scheme is meant to meet the education and marriage expenses of a girl child.
Document required for the Sukanya Samriddhi Yojana plan
1. Form of the Sukanya Enrichment Scheme
2. 2 passport photographs of daughter and mother and father
3. Daughter’s birth certificate
4. Copy of Aadhaar card or other identification card of the mother or father
5. Proof of residence (electricity bill, ration card, driving license, election card, any one)
– With such a copy ..
Rules for premature withdrawal from SSY account
The rules that allow premature closure of the account is mentioned below:
- Once the girl attains the age of 18 years old and is getting married, SSY premature withdrawal is allowed. However, an application must be submitted at least one month before marriage and 3 months after the marriage to avail the benefit. Documents which determine the age of the girl must also be provided.
- In case the girl child becomes a non-citizen or a non-resident, the account will be deemed as closed. Any such change in status must be informed by the guardian or the girl child within one month from the change in status.
- In case the girl child passes away, the balance that is available in the account can be withdrawn by the guardian. However, the death certificate must be submitted.
- If the account has been opened for 5 years and more, and the bank or post office feel that the continuation of the account is causing difficulties to the girl child, the guardian or girl child can opt for premature closure.
- Permission to close the account will be permitted for other reasons as well, but the interest that is earned from the contributions will be the same as the interest rates that are provided by post offices.
Important Essentials …
If you forget to pay a year, you have to pay a penalty.
You can deposit money whenever you want during the year.
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Download Sukanya Samriddhi Yojana form
If you have two daughters, you can open two accounts. But even if you have more than two daughters, you can open at least two accounts.
Online deposit facility is also available.
