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Sukanya Samriddhi Yojana: Invest 36,000Rs to Get 11,23,812 Rs– Check Maturity Period!
Sukanya Samriddhi Yojana: Sukanya Samriddhi Yojana of the Government of India is not only a great savings scheme, but it is designed to secure and ensure the bright future of daughters. Launched in 2015 by Prime Minister Narendra Modi, the scheme aimed to provide a secure financial way to meet important expenses like education and marriage of daughters. The scheme is part of the “Beti Bachao, Beti Padhao” campaign and has now become a trusted investment option for millions of parents. Let us know in detail about this scheme and how it can make your children’s future secure.
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana is a long-term savings scheme, specially designed for daughters. In this scheme, parents can open an account in the name of their daughter and invest regularly in that account. Its main objective is to deposit money for the future of daughters, so that their education and marriage expenses can be easily met. The interest rate fixed by the government and tax benefits make this scheme even more attractive.
If you deposit Rs 36,000 in Sukanya Samriddhi Yojana, you will get Rs 11,23,812, know after how many years?
How to start investing in Sukanya Samriddhi Yojana?
1.To open an account in this Yojana, first of all the daughter’s age should be less than 10 years.
2.Investment in this scheme can be started with just Rs 250 and up to Rs 1.5 lakh can be invested in a financial year.
3.If you want to open your daughter’s account in this scheme, then you have to ensure that you have some important documents,
4.Such as daughter’s birth certificate,
5.Parent or guardian’s identity card (such as Aadhaar card, PAN card) and address proof (such as Aadhaar card, electricity bill).
Sukanya Samriddhi Yojana interest rate and tax exemption
The current interest rate in Sukanya Samriddhi Yojana is 8.2% per annum, which is much more beneficial than many other savings schemes. This interest rate is determined by the government every quarter and can also be changed from time to time. Another big advantage of this scheme is that investing in it provides tax exemption under Section 80C of the Income Tax Act 1961. This means that you can save tax by deducting the investment made in this scheme from your total income. This benefit motivates you to invest in this Yojana, because it not only grows your money, but also gives you an opportunity to save tax.
Mathematics of investment in Sukanya Samriddhi Yojana
1.If you invest Rs 3,000 every month in this scheme, then in a year your total investment will be Rs 36,000.
2.If you do this continuously for 15 years, then your total investment will be Rs 5,40,000.
3.If you get 8.2% annual interest on this, then after maturity you will get an amount of Rs 16,63,813.
4.Out of this, Rs 11,23,812 will be available only as interest.
5.In this way, this scheme gives you good returns after investment, which empowers the future of your children in the long run.
Documents required to open an account in this Yojana
To open a Sukanya Samriddhi account, you will need some common documents,
1.Such as daughter’s birth certificate,
2.identity proof of parent or guardian (Aadhaar card, PAN card)
3.And proof of address (Aadhaar card, passport, electricity bill).
4.By submitting these documents to the post office or any authorized bank, you can easily open a Sukanya Samriddhi account.
Importance of Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana is not just a savings scheme, but it is a financial security cover for your children’s future. This scheme is ideal for parents who want to plan their daughter’s education and marriage expenses in advance. With an interest rate of 8.2%, this scheme is very attractive and its tax exemption benefits make it even more effective.
Conclusion
Sukanya Samriddhi Yojana is a great option, which gives you the opportunity to invest for the bright future of daughters. It offers attractive interest of 8.2%, tax exemption and good returns, which makes it better than other savings schemes. If you also want to secure your daughter’s future, then this Yojana can be a great investment option for you. Through this scheme, you can not only create a secure future for your children but can also get better returns on your investment.
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