Sukanya Samriddhi Yojana 2023 Online | Sukanya Samriddhi Yojana in Gujarati Apply for SSY Account Online | Sukanya Samriddhi Yojana Form | Sukanya Samiriddhi Yojana Registration
Various schemes are run by the Government of India to make the future of girls bright and secure. Like Dear Daughter Yojana, Ladli Lakshmi Yojana, Cycle Assistance Yojana etc. Apart from this, savings schemes are run. Income tax exemption and higher interest rates are offered. So that people are encouraged to invest in these schemes and the future of daughters can be secured. Today we are going to give you information related to one such scheme launched by the central government. Its name is Sukanya Samriddhi Yojana.
Through Sukanya Samriddhi Yojana in Gujarai, the beneficiary can invest a large sum for his daughter’s education or marriage. Through this article you will get all important information regarding Sukanya Samriddhi Yojana. Apart from this, you will also get information related to eligibility, important documents and application by reading this article.
Sukanya Samriddhi Yojana has been launched by the Government of India. This is a savings plan. To avail the benefits under this scheme, the account has to be opened before the daughter attains the age of 10 years. The minimum investment limit in this account is Rs 250 and the maximum limit is up to Rs 1.5 lakh. Citizens This investment can be made for daughter’s higher education or marriage. Through this scheme, the government will provide interest on the investment at the rate of 7.6%. Apart from this, tax exemption will also be given on investment under Sukanya Samriddhi Yojana. This scheme is launched under beti bachao beti padhao yojana.
Sukanya Samriddhi Yojana can be opened at any authorized post office branch or merchant branch. Sukanya Samriddhi account can be operated till the daughter turns 21 or gets married after 18 years. 50% amount can be withdrawn after 18 years of age for higher education of daughter.
Objective of Sukanya Samriddhi Yojana 2023
The purpose of Sukanya Samriddhi Yojana in Gujarati is to advance girls in the field of education and not let them run out of money when marriage is suitable. Poor people of the country can easily open a savings account in the bank for their daughter’s education and marriage expenses. Minimum Rs. 250 for. From this SSY 2023 the girls of the country will be encouraged and able to advance. This scheme should prevent female-feticide.
Important Facts of Sukanya Samriddhi Yojana 2023
As you all know that Sukanya Samriddhi Yojana in Gujarati has been launched by the government to secure the future of girls and for their education and marriage. Daughter’s future can be secured by investing under this scheme. Some of the features of this scheme are as follows.
Under Sukanya Samriddhi Yojana account can be opened for daughter below 10 years of age.
Account can be opened in any post office or bank.
Account can be opened for maximum two children of one family under this scheme.
Accounts can also be opened for three children of a family under certain special circumstances.
Under this scheme, an account can be opened for as little as Rs.250.
Under Sukanya Samriddhi Yojana, a minimum of Rs.250 and a maximum of Rs.1.5 lakh can be invested in 1 financial year.
An interest rate of 7.6% has been fixed under this scheme.
Tax exemption is also available under this scheme under Section 80C of the Income Tax Act.
The returns from this scheme are also tax free.
50% amount can be withdrawn from Sukanya Samriddhi Yojana for daughter’s higher education also.
Sukanya Samriddhi Yojana 2021 is a central government small savings scheme for daughters.
Under this scheme, the beneficiary can open an account for their daughter in all these banks like Nationalized Bank, Post Office, SBI, ICICI, PNB, Axis Bank, HDFC etc.
Money can be deposited through Sukanya Samriddhi Yojana digital account.
Sukanya Samriddhi Yojana was launched by the Government of India for the education and marriage of girls. To pay money under this scheme, one has to go to the post office. But now digital account has been started by Indian Post Department. Money can be deposited in Sukanya Samriddhi Yojana account through this digital account. Now, like other banks, the service of Digital Saving Account has been started in the post office as well. Due to this digital account, account holders will no longer need to go to the post office to deposit money in the account. He can transfer money through his mobile.
You don’t even need to go to the post office to open this digital account. This account can be opened at home through Aadhaar card and PAN card and money can be transferred to any post office scheme.
An account opened under Sukanya Samriddhi Yojana will not default.
Sukanya Samriddhi Yojana was launched with the aim of securing the future of the daughter. Under this scheme regular amount is deposited by parents. This account has to be opened before the daughter turns 10 years old. A minimum investment of Rs 250 per year was mandatory to open a Sukanya Samriddhi Account. If this minimum amount is not deposited, the account goes into default. But now under the new rules of this scheme, even if the minimum amount is not deposited, the account will not be treated as default. In addition, interest will continue to be paid on the amount deposited in the account at the applicable rate till maturity.
How many daughters can benefit under Sukanya Samriddhi Yojana?
Under Sukanya Samriddhi Yojana 2023, a family
Only two daughters can get the benefit. If a family has more than 2 daughters then only two daughters of that family can avail this scheme. But if a family has twin daughters then they will get the benefit of this scheme separately i.e. three daughters of that family can get the benefit. Twin daughters will be counted equally but benefited separately. Under Sukanya Samriddhi Yojana in Gujarati, people who want to deposit money for their daughter’s marriage and education can open an account for their daughter.
How much will be paid each year and for how long?
Under the Sukanya Samriddhi Yojana, earlier there was a provision of Rs 1000 per month. Which has now been reduced to Rs.250 per month. An investment of Rs.250 to Rs.150000 can be made under this scheme. Under this scheme, it will be mandatory to invest for 14 years after opening a bank account.
Sukanya Samriddhi Yojana Interest Rate
Sukanya Samriddhi Yojana was launched by Prime Minister Narendra Modi under the Beti Bachao Beti Padhao campaign. So that future of daughters can be secured. The investment made under this scheme can be used for marriage and education of the girl child. Sukanya Samriddhi account can be opened in post office and bank. Under Section 80C of the Income Tax Act, 1961, a tax benefit of up to 1.5 lakhs is provided under this scheme.
The interest rate under Sukanya Samriddhi Yojana was earlier fixed at 8.4%, which has now been reduced to 7.6%. After completion of the scheme or if the girl becomes NRI or Non-Citizen in this case no interest is paid. The interest rate is fixed by the government on a quarterly basis.
Sukanya Samriddhi Yojana Loan
Loans can be availed under various PPF schemes run by the government. But under Sukanya Samriddhi Yojana one cannot get loan like other PPF Yojana. But if the girl has completed 18 years, the parents can withdraw from the scheme account. Only 50% of this withdrawal can be made. Withdrawals made under Sukanya Samriddhi Yojana can be made for the betterment of the girl child. This amount can be used for the girl’s marriage, higher education etc.
Sukanya Samriddhi Yojana Account Transfer
Under Sukanya Samriddhi Yojana, the account can be transferred from one post office to another post office or from one bank to another bank. To transfer this account, you have to follow the below procedure.
First, you have to go to the post office or bank with your updated passbook and KYC documents. It is not necessary for the girl to be present during the transfer.
After this, you have to submit your Sukanya Samriddhi Yojana in Gujarati account passbook and KYC document to your bank or post office and inform your bank and post office that you have to transfer your account.
The manager will then close your account at the old post office or bank and give you a transfer request. Apart from this you will be asked for all necessary documents.
Now you have to take this transfer request and go to the new post office or bank account and submit all these documents there.
You also have to submit KYC documents for proof of identity and address.
You will now be issued a new passbook showing your balance.
After this, you can operate Sukanya Samriddhi Yojana account from your new account.
Changes made in Sukanya Samriddhi Yojana
Five changes have been made by the government under this scheme. Which is very important for you to know. We have provided information about these five changes below. Please read this information carefully.
Higher interest rates on defaulted accounts
Under the Sukanya Samriddhi Yojana, if an individual does not deposit at least Rs 250 in the Sukanya Samriddhi account in a year, it is considered as account default. As per the new rule notified by the government on December 12, 2019, now the same rate of interest will be given on the amount deposited in such default account which is fixed under the scheme. Along with this, 8.7% interest rate will be available on Sukanya Samriddhi Yojana Account and 4% on Post Office Savings Account.
Change in Premature Account Closure Rules
According to this new rule, the account can be closed under this scheme on death of girl child or before maturity on compassionate ground. Compassion refers to a situation in which the account holder has to seek treatment for a life-threatening illness or the death of a guardian. In such a situation, the bank account can be closed before maturity.
Opening account for more than two girls
As per the new rule under this scheme, if a person has to submit additional documents for opening an account of more than two daughters, now you have to submit an affidavit along with the birth certificate of the daughter.