Sukanya Samriddhi Yojana in Hindi – Complete Details Explained

Sukanya Samriddhi Yojana in Hindi – Complete Details Explained

Sukanya Samriddhi Yojana in Hindi – Complete Details its Benefits, Eligibility & How to Apply this is what I am going to explain you step by step.


This scheme was launched by the prime minister Narendra Modi in January 21st 2015 under the Beti Bachao, Beti Padhao campaign. Main moto if the scheme is to provide or meet expense required to educate the girl child for higher education or marriage.

 
Sukanya Samriddhi Yojana in Hindi
 

Eligibility

  • Only a girl child can be enrolled.
  • Child should be citizen of India even an NRI child can also be enrolled in this scheme.
  • Girl child age should not be more than 10 years.
 
Investment in this scheme can be made by the parent or legal guardian of the girl child
 

Number of accounts

Up to two girl children or three in case of twin girls as second birth or the first birth itself results in three girl children account can be opened.
 

Amount to be Deposit

Min.1000 of initial deposit with multiple of one hundred rupees thereafter with maximum of Rs.150000 in a financial year
Update : Minimum deposit for Sukanya Samriddhi Yojana, has been slashed to Rs. 250 from Rs. 1,000
 

Tenure of the Deposit

21 years from the date of opening of the account
 

Maximum period upto which deposits can be made

14 years from the date of opening of the account.
 

Interest provided on investment

Currently 8.10%
 

Tax Saving

As per 80 CC you can save your tax
 

Premature Closure

Allowed in the event of death of the depositor or in cases of extreme compassionate grounds such as medical support in life threatening diseases to be authorized by an order by the Central Government
Irregular Payment/ Revival of account: : By payment of penalty of Rs.50 per year alongwith the minimum specified amount per year
 

Mode of Deposit

Cash/Cheque/ Demand Draft/ Transfer/ online transfers through internet Banking . ECS also available.

 

Sukanya Samriddhi Yojana in Hindi

Withdrawal

100% withdrawal of deposit amount is only possible once the girl child attains the age of 21. Partial withdrawal is permissible for up to 50% of the deposit amount after the girl child has attained the age of 18 year. This partial withdrawal is allowed only if the money is required for tending to some serious medical illness or on account of higher education or marriage expense of the girl child. Withdrawal of deposit amount is allowed only if the account has been active for at least 14 years.

Sukanya Samriddhi Account can be closed only when the girl child attains 21 years of age. If the account is not closed and the money is not withdrawn even after the child turns 21 then the account continues to earn interest.

Sukanya Samriddhi accounts can be opened in any post office branch and in any of the following branches

State Bank of India (SBI), State Bank of Mysore, State Bank of Hyderabad, State Bank of Travancore, State Bank of Bikaner & Jaipur, State Bank of Patiala, Vijaya Bank, United Bank of India, Union Bank of India, UCO Bank, Syndicate Bank, Punjab National Bank, Punjab & Sind Bank, Oriental Bank of Commerce, Indian Overseas Bank, Indian Bank, IDBI Bank, ICICI Bank, Dena Bank, Corporation Bank, Central Bank of India, Canara Bank, Bank of Maharashtra, Bank of India, Bank of Baroda, Axis Bank, Andhra Bank and Allahabad Bank

Documents Required to Open Sukanya Samriddhi Account:

  • Sukanya Samriddhi Account Opening Form
  • Birth Certificate of girl child (Account Beneficiary)
  • Identity Proof of depositor (Parent or legal guardian) PAN card, Ration card, Driving License, Passport
  • Address Proof of depositor (Parent or legal guardian) Passport, Ration Card, Electricity Bill, Telephone Bill, Driving License

Scheme details as per government gazette

 

Sukanya Samriddhi Application form download

 
Please watch the complete video for proper understanding.
 

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