Sukanya Samriddhi Yojana 2023 – Even today there are many people in our country who are not happy when a daughter is born, the main reason being that they feel that daughters are a burden on them. In today’s time, due to poverty, many people are not able to marry their daughters. But some such scheme is being run by the government, through which financial assistance will be provided to them. Due to which daughters will not be a burden to any person and they can easily study and even marry them.
An important scheme in this episode is the Sukanya Samriddhi Yojana, which has been started especially for the marriage of daughters or for the education of daughters. By depositing a small amount in this scheme, you can get good money later. In today’s article, we are telling you in detail about what is Sukanya Samriddhi Yojana and how to apply for Sukanya Samriddhi Yojana.
सुकन्या समृद्धि योजना क्या है Sukanya Samriddhi Yojana Online Apply | सुकन्या समृद्धि योजना ब्याज दर 2023, नियम व शर्तें, चार्ट PDF | SSY Scheme Details in Hindi | SSY Age Limit | Interest Rate | Post Office | Documents for Sukanya Samriddhi Scheme, Check Eligibility
Sukanya Samriddhi Yojana (SSY)
| Yojana Name | Sukanya Samriddhi Yojana |
| Started By | By the central government |
| Beneficiary | Girls below the age of 10 years of the country |
| Objective | Saving girls from future economic problems |
| Year | 2023 |
Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana was started especially for girls. Through which parents of girls below the age of 10 years across the country can invest to secure their future, under which they will get a good return. Often a lot of money is spent in the education and marriage of the girl child. Which many people do not have but can earn money by investing in this scheme.
Prime Minister Narendra Modi has started to save the girls belonging to the middle class families of the country from future economic problems. Under this scheme, the investment account is opened by the parents before the age of their girl child is 10 years. In which a minimum of Rs 250 and a maximum of Rs 1.5 lakh per month can be deposited as investment by the parents of the girl child. Tax exemption is also available on this money under Section 80C of the Income Tax Act 1961.
Through this scheme, daughters will be saved from future economic problems. Inflation has increased a lot at present and it will become more in the coming time. In such a situation, more money will be needed for the marriage and education of the children. However, through this scheme, you can get more money in a few years by depositing a fixed amount every month. With which he will be able to marry his daughters with pomp and financial help in their studies as well. In this way parents will no longer find their daughters a burden.
Eligibility in Sukanya Samriddhi Yojana
To take advantage of this scheme, it is necessary to have eligibility, about which you are being told below. If you are fulfilling all these then you can take advantage of this scheme.
- Only daughters born in India will be eligible to avail the benefits.
- An account can be opened in the name of the daughter by the parents of the daughters or their legal guardian.
- The parents of the daughters or their legal guardian must also be permanent residents of India.
- Investment account can be opened under the scheme in the name of only 2 girls of a family.
- If a twin girl child is born in a family after the birth of a single girl child, then in such a situation separate investment accounts will be opened for the twin girls.
Documents in Sukanya Samriddhi Yojana
It is necessary to have the necessary documents for applying in any government scheme. It is necessary to have the following documents for applying in Sukanya Samriddhi Yojana.
- Aadhaar Card, PAN Card, Identity Card of the parent or legal guardian
- birth certificate of girl child,
- Address proof
- medical certificate
- All the necessary documents as asked by the bank or post office
Sukanya Yojana Interest Rates
The interest rate on the Sukanya Samriddhi Yojana is fixed by the government and reviewed every quarter. The Sukanya Samriddhi Yojana interest rate for 2023 is 7.6%.
| SSY Interest Rate | 7.60% p.a. |
| Investment Amount | Minimum – Rs.250; Maximum Rs.1.5 lakh p.a. |
| Maturity Amount | It depends on the amount invested |
| Maturity Period | 21 years |
In which banks of the country the beneficiary can open SSY account
There are 28 banks in our country authorized by the Reserve Bank of India. The beneficiary can open an SSY account by visiting any of these banks’ nearest bank branch. These 28 banks are as follows.
- Bank of India
- state Bank of India
- Punjab National Bank
- Bank of Baroda
- axis Bank
- Andhra Bank
- Bank of Maharashtra
- Allahabad Bank
- Punjab And Sind Bank
- Oriental Bank of Commerce
- State Bank Of Hyderabad
- Union Bank of India
- UCO Bank
- United Bank of India
- Vijay Bank
- Bank of Maharashtra
- Canara Bank
- Dena Bank
- State Bank of Patiala
- State Bank Of Mysore
- IDBI Bank
- ICICI Bank
- State Bank Of Bikaner And Jaipur
- State Bank Of Travancore
Benefits of Sukanya Samriddhi Yojana 2023
Like this scheme, all the girls of the country who are 10 years old can take advantage of this scheme. The person gets interest at the rate of 7.6% on the money invested in this scheme. With this, no tax will be levied on this interest. In this you can invest a minimum of ₹ 250 every month or a maximum of ₹ 150000 every year. Investing in this gives more returns as compared to other investment schemes. If you are also thinking of saving money for your daughter then this is the best scheme. Only a maximum of 2 girls from a family can take advantage of this scheme.
Sukanya Samriddhi Yojana Apply Online
To apply in this scheme, you have to follow the instructions given below step by step.
To open an account in this scheme, you have to go to the post office or the nearest bank from where you will get the application form of Sukanya Samriddhi Yojana.
Whatever information has been entered in the application form, fill it properly. Keep in mind that the information given by you should be correct.
After entering all the information, you have to attach the photocopies of the required documents with this application form.
Now you have to submit the application form to the same post office or bank from where you took it.
In this way, by following the above procedure, you can apply for opening an account in the name of your daughter in Sukanya Samriddhi Yojana.
Fixed interest rates under Sukanya Samriddhi Yojana
| Time Period | SSY Interest Rate (% annually) |
| Jan to Mar 2023 (Q4 FY 2022-23) | 7.6 |
| Oct to Dec 2022 (Q3 FY 2022-23) | 7.6 |
| Jul to Sep 2022 (Q2 FY 2022-23) | 7.6 |
| Apr to Jun 2022 (Q1 FY 2022-23) | 7.6 |
| Jan to Mar 2022 (Q4 FY 2021-22) | 7.6 |
| Oct to Dec 2021 (Q3 FY 2021-22) | 7.6 |
| Jul to Sep 2021 (Q2 FY 2021-22) | 7.6 |
| Apr to Jun 2021 (Q1 FY 2021-22) | 7.6 |
| Jan to March 2021 (Q4 FY 2020-21) | 7.6 |
| Oct to Dec 2020 (Q3 FY 2020-21) | 7.6 |
| Jul to Sep 2020 (Q2 FY 2020-21) | 7.6 |
| Apr to Jun 2020 (Q1 FY 2020-21) | 7.6 |
| Jan to March (Q4 FY 2019-20) | 8.4 |
| Oct to Dec 2019 (Q3 FY 2019-20) | 8.4 |
| Jul to Sep 2019 (Q2 FY 2019-20) | 8.4 |
| Apr to Jun 2019 (Q1 FY 2019-20) | 8.5 |
| Jan to March 2019 (Q4 FY 2018-19) | 8.5 |
| Oct to Dec 2018 (Q3 FY 2018-19) | 8.5 |
| Jul to Sep 2018 (Q2 FY 2018-19) | 8.1 |
| Apr to Jun 2018 (Q1 FY 2018-19) | 8.1 |
| Jan to March 2018 (Q4 FY 2017-18) | 8.1 |
| Oct to Dec 2017 (Q3 FY 2017-18) | 8.3 |
| Jul to Sep 2017 (Q2 FY 2017-18) | 8.3 |
| Apr to Jun 2017 (Q1 FY 2017-18) | 8.4 |
Calculate amount for Sukanya Samriddhi Yojana
If parents deposit Rs.100000/- per year in the name of their daughter, then you can see below about the total amount they will get on maturity (on completion of term) in 21 years. Here for example, suppose a girl child was born in 2015, her parents started depositing Rs.100000/- per year under this scheme from the year 2015 itself. Whose total premium will be deposited Rs.1500000/-. After this, in the year 2035, the girl child will get an amount of about Rs.4395380/-.
| वित्तीय वर्ष | प्रतिवर्ष जमा राशि (₹) | अर्जित ब्याज (₹) | साल के अत में कुल राशि |
| 2015 | 100000 | 7600 | ₹107600 |
| 2016 | 100000 | 15777.6 | ₹223377.6 |
| 2017 | 100000 | 24576.70 | ₹347954.30 |
| 2018 | 100000 | 34044.53 | ₹481998.82 |
| 2019 | 100000 | 44231.91 | ₹626230.73 |
| 2020 | 100000 | 55193.54 | ₹781424.27 |
| 2021 | 100000 | 66988.24 | ₹948412.52 |
| 2022 | 100000 | 79679.35 | ₹1128091.87 |
| 2023 | 100000 | 93334.98 | ₹1321426.85 |
| 2024 | 100000 | 108028.44 | ₹1529455.29 |
| 2025 | 100000 | 123838.60 | ₹1753293.89 |
| 2026 | 100000 | 140850.34 | ₹1994144.23 |
| 2027 | 100000 | 159154.96 | ₹2253299.19 |
| 2028 | 100000 | 178850.74 | ₹2532149.93 |
| 2029 | 100000 | 200043.39 | ₹2832193.32 |
| 2030 | 0 | 215246.69 | ₹3047440.01 |
| 2031 | 0 | 231605.44 | ₹3279045.45 |
| 2032 | 0 | 249207.45 | ₹3528252.91 |
| 2033 | 0 | 268147.22 | ₹3796400.13 |
| 2034 | 0 | 288526.41 | ₹4084926.54 |
| 2035 | 0 | 310454.42 | ₹4395380.96 |
Under this scheme, you can deposit a maximum of only one and a half lakh rupees in a year. With this, if the age of the girl child exceeds 10 years, then she cannot take advantage of this scheme.
FAQs – Sukanya Samriddhi Yojana
All girls of 10 years can take advantage of this scheme, and the account can be opened by their parents or legal guardians.
Money can be withdrawn after the girl child turns 18, but for this the presence of the girl child is very important.
You can open both Sukanya Samriddhi Account and PPF account for your minor child.
Investing in SSY provides tax benefit up to Rs. 1.5 lakhs under Section 80C of the Income Tax Act, 1961.
Conclusion – SSY Scheme
In today’s article, we explained in detail about Sukanya Samriddhi Yojana, through this scheme, parents of girls can start investing in girl child from a young age. The money invested is completely income tax free. This money can be used for studies as well as for marriage.
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