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Sukanya Samriddhi Yojana: how to open account,details,necessary documents

Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana: Government of India


A government scheme for girls launched in 2015 to save on their education and marriage expenses. There are very good returns to this. Interest is getting at a very good rate. There is also a tax rebate. Know everything you need to know about this scheme.

What is Sukanya Samriddhi Yojana? 

The small saving scheme is the name of the small savings scheme for daughters. Daughters whose age is less than 10 years. If there is a girl near you, who is under 10 years of age, in your house, then her account can be opened in this scheme.

How to open an account? 

You have to go to your nearest post office or government bank. The post office can be anyone. Apart from public sector banks, this facility is also available in private banks, ICICI Bank and Axis Bank. Go there, take the form, fill it. Install the documents that are asked for. You can open this account for your girl child. If you are his guardian, you can still open this account. The condition is that the girl should be a citizen of India.

Will the document be used to open an account?


 Your Aadhar Card. residence certificate. Birth certificate of the child. These birth certificates can be made from a hospital, gram panchayat, or municipality ie municipality. The form that comes for opening an account under Sukanya Samriddhi Yojana will also be included. If the account opens, you will get a passbook. It will have complete account information. Take care of it.

How much money will it take to open an account?


 The account will be opened after depositing 1000 rupees. You have to deposit at least 250 rupees every year. Earlier, every year at least 1000 rupees had to be deposited in the account. Now, this limit has been reduced to 250 rupees. This has been done so that those who want to deposit a small amount, do not have any pressure on them. Money cannot be withdrawn from it until the girl turns 18.

How much money can be deposited in a year?

In a year, no more than 1.5 lakh rupees can be added to this account. You have two daughters, both of them have separate accounts, yet the limit will not be three lakhs, only 1.5 lakhs will remain. If it happened by mistake that you deposited more than 1.5 lakhs of money in a year, then the extra money left can be withdrawn, there will be no interest in it. For this, you have to go to your post office or the concerned bank official and submit an application. Money can be deposited through cash, check, demand draft, online also.

When do I have to deposit money?


When can I remove? Since you have opened an account, money can be deposited in it for 14 years. The girl will be 10 years old, after that she can go and deposit the money herself, operate her account. When she turns 18, the account will then operate the same, that is, it will run, her sign etc. will be valid. Suppose you opened an account in 2018. You will have to deposit by 2032 in this account. In 2039, this account will be matured. That is, the interest rate of Sukanya Samriddhi will stop being imposed on it.

It is not just the responsibility of the government to take a scheme to every household. If you hear about it anywhere, read it, then learn more about it. See, how many girls have this account opened around you. If not opened, tell them about it. Open the accounts of the girls in your home. If there is a right step for his future, then it may be a step in his beginning.

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