सुकन्या समृद्धि योजना – Post Office

सुकन्या समृद्धि योजना (SSY) एक government-backed savings scheme है जो लड़कियों के welfare और financial security के लिए design की गई है। यह scheme parents और guardians को अपनी बेटी की higher education और marriage के खर्चे के लिए saving करने के लिए encourage करती है। फिलहाल, Post Office Sukanya Samriddhi Yojana का interest rate 8.2% p.a. है।

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Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

सुकन्या समृद्धि योजना Post Office Scheme क्या है?

Post Office Sukanya Samriddhi Yojana एक small savings scheme है जो Government of India ने 2015 में launch की थी "बेटी बचाओ, बेटी पढ़ाओ" campaign के तहत। यह एक अच्छी investment option है जो high interest rates और tax benefits देती है, ताकि parents अपनी बेटी के future के लिए saving कर सकें। आप Sukanya Samriddhi Yojana का account किसी भी Post Office branch में India के किसी भी कोने में खोल सकते हैं।

Sukanya Samriddhi Yojana Calculator

Latest SSY Interest Rate = 8.2%

Yearly Investment

You can invest maximum upto ₹1,50,000

₹

Girl's Age

Maximum age should be 10 years

Yrs

Start Year

Investment term is 21 years

Total Investment

Total Interest

Total Investment

Total Interest

Maturity Year

Maturity Value

Amount you will get

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Post Office Sukanya Samriddhi Yojana Scheme के लिए कौन eligible है?

अगर आपको Post Office SSY account (SSA) खोलना है, तो आपको नीचे दिए गए eligibility criteria follow करने होंगे:

Age limit: Sukanya Samriddhi Yojana account सिर्फ उन लड़कियों के लिए है जो 10 साल की age तक की हैं।
Citizenship: लड़की का Indian resident और citizen होना ज़रूरी है जब तक account mature न हो जाए।
Account opening: सिर्फ parents या legal guardians account खोल सकते हैं।
One account per girl: एक लड़की के लिए सिर्फ एक account खोला जा सकता है।
Family limit: एक परिवार अपनी दो लड़कियों के लिए accounts खोल सकता है। अगर twins या triplets हैं, तो maximum 3 accounts open किए जा सकते हैं।

How to Apply for the Post Office Sukanya Samriddhi Yojana Scheme?

Post Office Sukanya Samriddhi Yojana Scheme में apply करना simple, fast aur easily accessible process hai. नीचे दिए गए steps ko follow करके aap application process complete कर सकते हैं:

Steps to Apply:

Check Eligibility: Application भरने से पहले eligibility criteria check करें।
Download Form: Indian Post Office की official portal से application form download करें या नज़दीकी Post Office branch पर जाएं।
Fill the Form: Sukanya Samriddhi Yojana account application form को सही और complete details के साथ fill करें।
Attach Documents: ऊपर बताए गए और अन्य जरूरी documents attach करें और application form complete करें।
Submit Form: Filled form aur documents को Indian Post Office staff को designated counter पर जमा करें।
Pay Initial Deposit: Post Office Sukanya Samriddhi Yojana Scheme account खोलने के लिए initial deposit करें।
Get Passbook: Application process होने के बाद Post Office aapko एक Sukanya Samriddhi Yojana account passbook provide करेगा।

Key Features of the Sukanya Samriddhi Yojana Post Office Scheme:

Post Office Sukanya Samriddhi Yojana के तहत निम्नलिखित key features मिलती हैं:

Feature	Description
Beneficiary	Girl child below 10 years (Max 2 per family)
Objective	Education aur marriage expenses को support करना।
Minimum Investment	Rs. 250 minimum, in multiples of Rs. 50.
Maximum Investment	Rs. 1.5 lakh/year
Contribution Mode	Lump sum या instalments, unlimited contributions per month/ year।
Interest Rate	8.2% p.a. (compounded annually)
Maturity Period	21 years या marriage after 18 (whichever is earlier)
Premature Closure	5 years के बाद (penalty aur conditions apply)।
Partial Withdrawal	50% तक withdrawal 18 years के बाद या 10th standard pass करने पर।
Account Operation	Parents/guardians 18 years तक operate करेंगे, उसके बाद लड़की खुद operate कर सकती है।
Transferability	पूरे भारत के post offices में account transferable है।

Aap maturity returns easily check कर सकते हैं Post Office SSY Account के लिए Sukanya Samriddhi Yojana Calculator (SSY Calculator) से।

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Invest ₹10K/Month YOU GET ₹1 Crores^* For Your Child View Plans

Invest ₹8K/Month YOU GET ₹80 Lakhs^* For Your Child View Plans

Invest ₹5K/Month YOU GET ₹50 Lakhs^* For Your Child View Plans

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What are the Benefits of the Sukanya Samriddhi Yojana Post Office Scheme?

Post Office Sukanya Yojana Account के benefits निम्नलिखित हैं:

High-Interest Rate: Post Office Sukanya Samriddhi Yojana का interest rate 8.2% p.a. (01 January 2024 से लागू) है, जो India की small savings schemes में सबसे highest है।
Tax Benefits: इस scheme में किये गए investments Section 80C के तहत Rs. 1.5 lakh तक के tax deductions के लिए eligible हैं। साथ ही, earned interest और maturity amount भी पूरी तरह tax-free है।
Long-Term Financial Security: यह scheme parents और guardians को उनकी लड़की के future education और marriage के खर्चों के लिए save करने में मदद करती है।
Flexible Investment: Post Office Sukanya Samriddhi Yojana में आप Rs. 250 से लेकर Rs. 1.5 lakh per year तक deposit कर सकते हैं, जिससे यह हर income group के लोगों के लिए accessible है।
Partial Withdrawal: लड़की की 18 years की उम्र के बाद higher education और marriage के लिए partial withdrawals की अनुमति है।
Guaranteed Returns: Government-backed होने के कारण, यह scheme आपके investment पर assured returns प्रदान करती है।
Long Tenure: Scheme का maturity period लड़की की उम्र 21 years या उसकी शादी 18 years के बाद तक होता है। हालांकि, contributions केवल 15 years तक करनी होती हैं, उसके बाद भी account interest earn करता है।

What are the Documents Required to Apply for the Sukanya Samriddhi Yojana Post Office Scheme?

Post Office Sukanya Samriddhi Yojana account खोलने के लिए ये documents जरूरी हैं:

Post Office Sukanya Samriddhi Yojana Form
लड़की का Birth Certificate या Age Proof
Passport-Size Photographs
Identity और Residential Proof (जैसे Aadhaar Card, PAN Card, Driving License, Voter ID, Passport)
Sukanya Samriddhi Yojana account holder और लड़की के बीच relationship का proof (जैसे Birth Certificate, Adoption Certificate, Court Order)
Account holder का Address Proof (जैसे Utility Bill, Bank Statement, Rent Agreement)

How Much Interest Can I Earn from Sukanya Samriddhi Yojana Post Office?

Sukanya Samriddhi Yojana (SSY) account par interest Ministry of Finance dwara set quarterly rate par milta hai. Key points:

Quarterly Rate: Interest quarterly basis par set hota hai.
Monthly Calculation: Lowest balance (5th se last day tak) par monthly calculate hota hai।
Year-End Credit: Financial year ke end par interest credit hota hai।
Transferred Accounts: Transfer hone wale accounts ka interest bhi year-end par hi credit hota hai।
Tax-Free Earnings: Earned interest Income Tax Act ke under tax-free hai।

What is the Post Office Sukanya Samriddhi Yojana Calculator?

Post Office SSA Calculator ka use करके aap SSY account ka maturity amount easily calculate kar सकते हैं। Calculator mein ये details input करनी होती हैं:

Desired Annual Contribution
लड़की की Current Age
Year of Investment

Calculator current interest rate (8.2% p.a.) ko consider करके estimated maturity amount बताता है।

Can I Withdraw Amount from Post Office Sukanya Samriddhi Yojana Account (SSA)?

Haan, Sukanya Samriddhi Yojana account se withdrawal allowed है कुछ conditions par:

Withdrawal लड़की के 18 years की उम्र पूरी होने पर या 10th standard pass करने पर किया जा सकता है।
Previous Financial Year Balance: Balance ka 50% तक withdraw किया जा सकता है।
Payment Mode: Lump sum या yearly installments mein withdrawal किया जा सकता है, maximum 5 years तक, actual requirement के अनुसार।

How Can I Prematurely Close My Post Office Sukanya Yojana Account?

Account को 5 years के बाद कुछ specific conditions में prematurely close किया जा सकता है:

Account Holder की Death: Death की date से लेकर payment की date तक Post Office Savings Account ka interest rate apply होगा।
Extreme Compassionate Grounds:
- Account holder ki life-threatening illness।
- Guardian की death, जो account operate कर रहा था।
Complete documentation और prescribed application form required होते हैं।

Procedure for Premature Closure:

Concerned post office में prescribed application form और passbook जमा करें।
Required documents complete करके closure request submit करें।

What is Closure on Maturity of SSA Post Office Account?

Sukanya Samriddhi Yojana (SSA) Post Office Account को maturity पर बंद करने की conditions निम्नलिखित हैं:

Maturity Period: Account खोलने की date से 21 years के बाद इसे बंद किया जा सकता है।
Marriage Closure: लड़की की शादी होने पर, अगर उसकी उम्र 18 years पूरी हो गई हो, तो account बंद किया जा सकता है।
- Closure शादी की date से पहले 1 month या बाद में 3 months के अंदर होना चाहिए।

FAQs

What is Sukanya Samriddhi Yojana 1000 per month?
Sukanya Samriddhi Yojana Rs. 1000 per month specific scheme नहीं है। यह government-backed scheme है जो लड़की के future को secure करने के लिए investment की अनुमति देती है।
- Minimum investment: Rs. 250/year
- Maximum investment: Rs. 1.5 lakh/yearअगर आप Rs. 1000 per month (Rs. 12,000/year) invest करते हैं, तो यह इस range में valid contribution है।
What is the Sukanya scheme in the post office?

Post office में Sukanya scheme से मतलब Sukanya Samriddhi Account Scheme है, जो India Post द्वारा offer की जाती है। यह Sukanya Samriddhi Yojana (SSY) का हिस्सा है, जिसे Government of India ने launch किया है।
Which is better for Sukanya Samriddhi, the post office or the bank?
Sukanya Samriddhi Yojana (SSY) accounts दोनों जगह, post office और banks में, उपलब्ध हैं। चुनने के लिए factors:
- Interest Rates: दोनों समान interest rates offer करते हैं।
- Convenience: आपके location के अनुसार post office या bank accessible हो सकता है।
- Services: Post office और bank services compare करें जैसे customer service, online access, आदि।
How much money will I get after 21 years of Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana का maturity amount आपकी contributions, prevailing interest rate, और scheme के duration पर निर्भर करता है।
- Accumulated Amount: 21 years के बाद लड़की को invested amount और accrued interest मिलता है।
- आप maturity amount का calculation करने के लिए online Sukanya Samriddhi Yojana calculator का use कर सकते हैं। Calculator monthly contribution और investment period को consider करके estimate बताता है।

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.