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sukanya samriddhi yojana | sukanya samriddhi yojana calculator

sukanya samriddhi yojana, sukanya samriddhi yojana calculator,sukanya samriddhi yojana 2021

Many schemes are being run by the Government of India to make the future of daughters of the country. One such scheme is Sukanya Samriddhi Yojana. Today we are going to provide you all the important information related to Sukanya Samriddhi Yojana through this article. Like what is Sukanya Samriddhi Yojana? Its purpose, benefits, facilities, eligibility, important documents, application process etc. So friends, if you want to get all the important information related to Sukanya Samriddhi Yojana 2021, then you are requested to read this article till the end. We will share you all information related to Sukanya Samriddhi Yojana through this article.

Sukanya Samriddhi Yojana 2021

Sukanya Samriddhi Yojana has been launched on 22 January 2015 by the Prime Minister of our country, Shri Narendra Modi. Under this scheme, savings account for daughter will be opened in any national bank or post office by the parents of the daughter. All the parents who want to deposit money for their daughter's education and marriage can open a savings account under this scheme. The minimum amount to open this account is ₹ 250 and the maximum amount is 1.5 lakh rupees. Earlier there was an interest rate of 9.1 percent under Sukanya Samriddhi Yojana 2021 which has now been reduced to 8.6 percent.]

Sukanya Samriddhi Yojana can be deposited through digital account

The Sukanya Samriddhi Yojana operated by the Indian Post Office was started by the Government of India for the education and marriage of daughters. Under this scheme one has to go to the post office to pay the money. But now the digital account has been launched by the Indian Post Office. Money will be deposited in Sukanya Samriddhi Yojana account through this digital account. Now digital saving account service has been started in post office like other banks. Due to this digital account, account holders no longer need to go to the post office to deposit money in the account. He can transfer money through his mobile.

You do not 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 is being transferred to any scheme of post office. This digital account is valid for 1 year.

IPPB App was launched

The IPPB app has also been launched by the post office. Through which transactions will be provided to customers. Through this app offline money can be transferred and there will be a desire to deposit money in other post office schemes along with Sukanya Samriddhi Yojana. Through this app, a digital account can be opened at home. You must be 18 years of age to open this digital account.

How many daughters can get benefit under Sukanya Samriddhi Yojana?

Under Sukanya Samriddhi Yojana 2021, only two daughters of one family can get benefit. If there are more than 2 daughters in a family, then only two daughters of that family can avail of this scheme. But if there are twin daughters in a family, then they will get the benefit of this scheme separately i.e. then three daughters of that family will get the benefit. The number of twin daughters will be the same but they will be given different benefits. Under this scheme, they can open their daughter's account to all those who want to deposit money for their daughter's marriage and studies. Let us tell you that under this scheme the account of girls below the age of 10 years can be opened. Sukanya Samriddhi Yojana has been launched by the government under Beti Bachao, Beti Padhao scheme.

Sukanya Samriddhi Yojana loan

Loans can be availed under various PCF schemes run by the government. But under Sukanya Samriddhi Yojana, loans like other PCF scheme cannot be obtained. But if the girl has turned 18, then the parents can be evacuated by eating this scheme. This withdrawal can only be 50%. Withdrawal done under Sukanya Samriddhi Yojana can be done for the betterment of the girl child. This amount can be used for girl's marriage, higher education etc.

Sukanya Samriddhi Yojana Account Transfer

An account can be transferred from one post office to another post office or from one bank to another bank under Sukanya Samriddhi Yojana.] To transfer this account you have to follow the following procedure.

First of all, you have to go to the post office or bank with your updated book and KYC documents. Girls are not required to be present during the transfer.

After this, you have to deposit your Sukanya Samriddhi account passbook and KYC document with your bank or post office and inform your bank and post office that you have to transfer your account.

After this, the manager will close your account in the old post office or bank and will give you the transfer request. In addition, all necessary documents will be demanded.

Now you have to go to the new post office or bank account about this transfer request and you will need to send all these documents there.

You will also have to submit KYC documents for proof of identity and address.

Now you will be given a new passbook in which your balance will be displayed.

After this, you can operate Sukanya Samriddhi Yojana account from your new account.

Sukanya Samriddhi Scheme December update

India Post runs nine types of savings schemes. Which are known as Post Office Saving Scheme. These 9 types of schemes are Post Office Saving Account, Post Office Time Deposit Account, Post Office Monthly Income Scheme, Public Provident Fund, Sukanya Samriddhi Yojana, National Saving Certificate, Post Office Time Deposit for 5 years, Kisan Vikas Patra and Senior Citizen Saving The scheme is included. The interest rate of all these savings schemes are amended from time to time by the government. There is currently an interest rate of 7.6 percent under the Sukanya Samriddhi Yojana.

This scheme can be availed by a maximum of two daughters of a family. Under this scheme, when the child attains the age of 21 years, he can get the test amount. If it is assumed that the interest rate under this scheme will be 7.6 percent in future also, then it will take 9.4 years to double the amount deposited under this scheme.

Sukanya Samriddhi Yojana Procedure for Reoning Account

As you all know that the Sukanya Samriddhi Yojana was started by the Government of India under the Beti Bachao Beti Padhao scheme. Under this scheme, an account can be opened for the daughter's education and marriage before the age of 10 years. This is a very popular scheme. Under Sukanya Samriddhi Yojana, a minimum amount of Rs 250 and a maximum of Rs 1.5 lakh can be deposited in the account every year. To continue this year, it is mandatory for the beneficiary to deposit 250 released per year. If the beneficiary has not deposited ₹ 250 in any year, his account will be closed.

After the account is closed, the account can be activated. For this, the beneficiary will have to go to the bank or post office wherever his account is opened. After this, the beneficiary will have to fill the account to get the account running again and submit the outstanding balance.

Suppose you have not made a payment of ₹ 250 for 2 years, then you will have to make a payment of 500 rupees and pay a penalty of 50 rupees every year. The penalty for 2 years will be ₹ 100. So if you have not paid the minimum amount in Sukanya Samriddhi Yojana account for 2 years, then you will have to pay at least 600. There are two 500 minimum amount of two years and 100 of two years penalty.

Sukanya Samriddhi Yojana new update

Coronaviruses in the country have significantly impacted the economic activity of the Indian economy, after the RBI raised the repo rate, the government announced a cut in interest rates last month for small savings schemes, including SSY. The interest rates on office recurring deposits (RD) and time deposits were reduced by 1.4 per cent for 1-3 years, with 0.8 per cent reduction in PCBF and SSY. This will reduce the maturity amount for your daughter. After reducing the interest rate under this Sukanya Samriddhi Yojana, the annual rate of interest in the accounts of the beneficiary has come down to 7.6 percent as compared to the earlier 8.4 percent.

How much money will have to be paid per year and for how long?

Under Sukanya Samriddhi Yojana, there was a provision to give 1000 maha. Which has now been worked out to 250 per month. Under this scheme, investments can be made from scheme 250 to investment up to 150000. Under this scheme, it will be mandatory to invest for 14 years after opening a bank account.

Changes made in Sukanya Samriddhi Yojana

Five changes have been made by the government under this scheme. Which you need to know about. We have given below about these five changes. You will read this information carefully.

Default account at a higher rate of interest

Under Sukanya Samriddhi Yojana, if a person does not deposit a minimum amount of 250 rupees in Sukanya Samriddhi account in a year, then it is considered as a default account. As per the new rules implemented by the government on December 12, 2019, now the same interest rate will be given on the amount deposited in such default account as fixed under this scheme. Also 8.7% on Sukanya Samriddhi Yojana account: Post 4% interest rate will be available on office savings account.

Changes in the rules of closing amateur accounts

According to this new rule, the account can be closed before maturity on the basis of the death or sympathy of the girl under this scheme. Sympathy refers to the situation in which the account holder has to undergo treatment for a fatal illness or death of the guardian. In such a situation, the bank can close the account before the maturity period.

Account handling

According to the new rules of the government under this scheme according to which the child eats in the name of the girl, she cannot take control of her food till she is 18 years of age, whereas earlier it was 10 years of age. When the child turns 18, the guardian will have to submit documents related to the child to the post office.

Opening an account for more than two children

According to the new rule under this scheme, if a person has to submit additional documents to open an account of more than his two daughters.

Other changes

Apart from the above changes in the rules of Sukanya Samriddhi Yojana, some new provisions have been added, while some have been removed. It has not been clarified about them yet. As soon as we get some information about it, we will tell you through the medium of our article.

Objective of Sukanya Samriddhi Yojana 2021

The aim of the scheme is to advance girls in the field of education and do not let the shortage of explosives happen when they are eligible for marriage. Poor people of the country can easily meet their daughter's studies and wedding expenses in savings account and their daughter. Bank accounts can be opened in the bank for a minimum of Rs 250.

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