Sukanya Samriddhi Yojana (SSY)
Learn all about the Sukanya Samriddhi Yojana (SSY), India's flagship savings scheme for girl child empowerment.
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Sukanya Samriddhi Yojana (SSY): Sukanya Samriddhi Yojana (SSY) ek government savings scheme hai jo खासकर beti ke future ko secure karne ke liye launch ki gayi thi. Ye scheme Beti Bachao Beti Padhao Abhiyan ka ek hissa hai jiska main goal hai parents ko encourage karna ki wo apni ladki ki education aur shaadi ke liye long-term savings karein.
Aayiye detail me samajhte hain Sukanya Samriddhi Yojana ke benefits, eligibility, interest rate aur account open karne ke process ke baare me.
Sukanya Samriddhi Yojana Kya Hai?
Sukanya Samriddhi Yojana ek small savings scheme hai jo sarkar ke through parents ya guardians ko apni beti ke naam par kholne ka option देती है. Isme aapko high interest rate, tax benefit aur government-backed security milti hai.
Ye scheme 22 January 2015 ko shuru hui thi aur tab se ab tak parents ke liye sabse भरोसेमंद बचत योजना (savings plan) bani hui hai.
Sukanya Samriddhi Yojana Details
Interest Rate: Filhaal 7.6% per annum (quarterly revised hota hai).
Minimum Deposit: Sirf ₹250 per year.
Maximum Deposit: ₹1.5 lakh per financial year tak deposit kar sakte ho.
Tenure: Account maturity 21 saal me hoti hai ya phir jab ladki ki शादी 18 saal ke baad hoti hai.
Tax Benefits: Section 80C ke under income tax deduction aur interest + maturity amount bilkul tax-free.
Sukanya Samriddhi Yojana Benefits
High-Interest Rate
Ye scheme parents ko market ke kisi bhi aur government-backed savings plan se zyada interest provide karti hai.
Pure Tax-Free Returns
SSY par milne wala interest completely tax-free hota hai, aur jitna paisa aap invest karte ho uspe aapko Income Tax Act ke Section 80C ke under deduction milta hai.
Flexible Investment Options
Chahe aap monthly deposit karo ya annual — dono options available hain. Agar chaaho to ek hi baar me ₹1.5 lakh deposit karke annual limit pura kar sakte ho.
Education aur Marriage ke liye Support
SSY ke through parents apni beti ke liye higher education, shaadi aur future needs cover kar sakte hain. Ye ek long-term aur safe investment hai.
Government Backed Security
Ye scheme 100% government-backed hai, jisme default ka koi risk nahi hai. Isse parents ko financial security ka पूर्ण भरोसा मिलता hai.
Sukanya Samriddhi Yojana Eligibility
Girl Child ki Age: Beti ki age 10 saal se kam honi chahiye jab account khola ja raha ho.
Number of Accounts: Ek beti ke naam par sirf ek account khol sakte ho. Lekin family me maximum 2 betiyon ke liye account open karna allowed hai. Twins ya triplets ke case me extra accounts ki अनुमति hai.
Sukanya Samriddhi Yojana Account Kaise Kholein?
Visit Bank/Post Office – Ye account State Bank of India (SBI), HDFC, ICICI Bank ya nearest Post Office me khola ja sakta hai.
Required Documents:
Beti ka Birth Certificate
Parent/Guardian ka ID Proof aur Address Proof
Passport size photo (Parent aur Beti ki)
Initial Deposit: Account activate karne ke liye minimum ₹250 deposit karna zaruri hai.
Passbook Issue: Account khulne ke baad aapko ek passbook milegi jisme saari deposits aur interest entry hogi.
Sukanya Samriddhi Yojana Me Deposit Karne Ke Options
Minimum ₹250 aur maximum ₹1.5 lakh annually.
Payment mode: Cash, Cheque, Demand Draft, ya Online Transfer (Bank/Post Office ke upar depend karta hai).
Deposit Frequency: Monthly ya Annual – jaise aapko easy lage.
Sukanya Samriddhi Yojana Interest Rate 2025
2025 ke hisaab se SSY ka interest rate 7.6% per annum hai, jo annually compound hota hai.
Example: Agar aap ₹1,000 per month (₹12,000 per year) 14 saal tak deposit karo to maturity par lakhon ka fund tayaar hoga jo beti ki education aur marriage ke liye use kiya jaa sakta hai.
Sukanya Samriddhi Yojana Maturity & Withdrawal Rules
Maturity: 21 saal baad account pura mature ho jata hai.
Early Withdrawal: 50% tak withdrawal allowed hai jab beti 18 saal ki ho jaye aur higher education pursue kar rahi ho.
3 Years Grace Period: Maturity ke baad bhi 3 saal tak account active rehta hai for final withdrawal.
Why to Choose Sukanya Samriddhi Yojana
Agar aap apni beti ke liye ek safe, tax-free aur high-return saving plan dhoondh rahe ho to Sukanya Samriddhi Yojana best option hai. Ye not only beti ke education aur marriage ke liye financial support provide karti hai, balki parents ko bhi ek भरोसेमंद aur पुरानी government scheme ke benefit milte hain.
Ek choti si saving se apni beti ka future secure karna possible hai. SSY ek surakshit, tax-free aur guaranteed scheme hai jo har parent ke liye must-invest plan hai.
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Frequently Asked Questions
No, you can only open one SSY account for each girl child. However, if you have more than one girl child, you can open an account for each.
If you miss a contribution, the account will be considered inactive, but you can revive it by paying a penalty.
Yes, you can close the account before maturity, but there may be conditions attached. It’s best to wait for the maturity period to get the full benefits.