Sukanya Samriddhi Yojana 2021 || Full information

Sukanya Samriddhi Yojana 2021

Sukanya Samriddhi Yojana 2021(SSY) || Full information: For the bright future of the daughters of the country, the Modi government has started the Sukanya Samridhi Yojana, it is a savings scheme, under this scheme, the parents of the girls keep money for future use for their studies. can. and marriage. It was launched on 22 January 2015. It was launched as a part of the campaign of “Beti Padhao Beti Bachao.”

Sukanya Samriddhi Yojana 2021(SSY) || complete information

Sukanya Samriddhi Yojana (SSY), the government is giving an interest of 7.6%. Under this scheme, the parents of the girl child can open their account in any national bank or post office. Under this scheme, only girls below the age of 10 years can open an account. The minimum amount to open an account is Rs 250 and the maximum amount is Rs 1.5 lakh, you can deposit the amount as per your situation. And after the daughter completes 18 years, she can withdraw 50% of these money.

Earlier it was mandatory to deposit Rs 1000 from this scheme. But now you can deposit Rs 250 every year. This will increase the number of citizens taking advantage of the scheme. You have to invest in it for 14 years after which you can withdraw the amount. We will give you all the information related to it like: Purpose of the scheme, Benefits and features of the scheme, Documents required, Opening savings account application form for the scheme, How to view account balance, What changes were done under the scheme, How to redo the account Going to tell about open etc. Read the article till the end to know the related information.

Sukanya Samriddhi Yojana 2021(SSY) || complete information

Let us tell you that on 12th December 2019 Sukanya Samriddhi Yojana was canceled and on the same day a new Sukanya Yojana was made in 2019. Earlier the interest of 9.1% was fixed which has now been increased to 7.6. You do not have to go to the post office to become a beneficiary of the scheme. It is mandatory to have a PAN card or Aadhar card to open an account, through which you can open an account sitting at your home, the validity of the digital account will be 1 year. Applicant must be 18 years of age or above to open an account.

  • Scheme – Sukanya Samriddhi Yojana
  • From – by the central government
  • Beneficiary – Country Girl/Girl
  • Objective of the scheme – To make a bright future of the girl child by the government
  • Category – Central Government Schemes
  • Official website – www.indiapost.gov.in

Objectives of Sukanya Samriddhi Yojana (SSY)

Any parent who wants to get the benefit of this scheme, he wants to deposit money for the future of his daughter, he can open a savings account through this scheme. Sukanya Samriddhi Yojana is being run by the Indian Post Office. Earlier people used to make rounds of the post office to deposit money, but now efforts are being made to do all the work through digital medium so that citizens can get convenience easily, keeping this in mind the government has started the Government of India. . Post office digital account has been created through which money will be deposited and for this you will not even need to go to the post office and you will be able to transfer money directly to the bank or post office through your mobile.

Update – The post office has launched the IPPB app. With the help of this app, now online transactions can be done in Sukanya Samriddhi Yojana. Apart from this, money can be deposited in all other schemes and schemes related to the post office. Also, through this app, a new digital account can be opened easily even sitting at home.

Benefits and Features of Sukanya Samriddhi Yojana

  • Investment tax will also be exempted under Income Tax Section 80-C Sukanya Samriddhi Yojana, so that you will be able to take advantage of tax exemption on investing Rs 1.5 lakh every year.
  • Under this scheme you can deposit money for your daughters for their future.
  • The government will not levy any tax on the interest received every year, from this scheme your amount will increase with interest only.
  • You have to invest the prescribed amount in it every year for 14 years from the day of account opening.
  • Any citizen of the country can open the account of his daughter below the age of 10 years.
  • In Sukanya Samriddhi Yojana, you can open an account with Rs.250.
  • You can withdraw only 50% of the deposit amount when the daughter turns 18 and when your daughter turns 21
  • If you do, you can withdraw the entire amount from the account at that time.
  • You will get an interest of 7.6% per annum.
  • Also you can open account in authorized banks like: State Bank of India, Andhra Bank, Allahabad Bank, PNB Bank, Axis Bank, Bank of India, Bank of Maharashtra, Canara Bank, Baroda Bank, Dena Bank, and others.
  • You can open an account in any bank, post office, which is a small savings scheme.

How many daughters can get the benefit?

Under the Sukanya Samridhi Yojana 2021 launched by the government, only 2 girl children of the family can get the benefit of this scheme. If there are 2 twin daughters in a family, then 3 daughters of that family will be considered eligible for this scheme. You can only open the account of a girl child below 10 years of age and add money for her future studies and marriage. In this, you have to deposit money in the account for 14 years. The amount deposited by you in this scheme matures after 21 years.

Sukanya Samriddhi Documents Required

  • It is mandatory for the daughter to have a birth certificate.
  • Identity Proof (PAN Card, Voter ID Card, Driving License, Passport etc.)
  • Passport size photograph of parent and child
  • Aadhar card
  • Address Proof

Sukanya Samriddhi Yojana Update

It was told in the December update that 9 types of savings schemes are being run by India Post for the convenience of the people in the country. At present, the interest rate of 7.6% has been kept on these schemes. All these services are named as Post Office Savings Scheme (Post Office Savings Scheme). The names of all these schemes are as follows:

  • Post Office Savings Account (SB)
  • National Savings Recurring Deposit Account (RD)
  • Post Office Monthly Income Scheme (MIS)
  • PPF (Public Provident Fund)
  • Sukanya Samriddhi Yojana (SSA)
  • National Savings Certificate (NSC)
  • National Savings Fixed Deposit Account (TD)
  • Kisan Vikas Patra (KVP)
  • Senior Citizen Savings Scheme

Sukanya Samriddhi Yojana 2021 Account Opening Application

If you also want to get the benefit of this scheme, then you have to first download the Sukanya Samriddhi Yojana Account Opening Form from the official website.
After downloading the form, fill the information asked in it carefully.
After which you attach photocopies of necessary documents with it.
Now deposit it in the bank or post office, after which your savings account will be opened.

How to Check Sukanya Samriddhi Account Balance

You can view the account passbook through online and offline means, the way to check its balance is very easy because almost all the banks are providing you the facility of this scheme. While opening the account, you will also be given its passbook along with it, you can also check the balance of your account through passbook, either you can check the balance through digital medium and also through mobile app. If you want to check your deposit amount then you should read our given procedure carefully.

  • By updating the passbook regularly through offline mode, you can get information about the amount deposited in the account of Sukanya Samriddhi Yojana.
  • You can check your account balance by logging on to the Bank’s Internet Banking portal through online mode or through Mobile App.

SSY Account Count

For example, after the completion of 21 year plan, the following is the list of amounts that the applicant will get-

Amount (Annual)
(in ₹)
Amount (14 year)
(in ₹)
Maturity Amount (21 Years)
(in ₹)
1000 14000 46,821
2000 28000 93,643
5000 70000 2,34,107
10000 140000 4,68,215
20000 280000 9,36,429
50000 700000 23,41,073
100000 1400000 46,82,146
125000 1750000 58,52,683
150000 2100000 70,23,219

 

₹1000 calculated with contribution (annual)

Fixed interest – 8.4%
Duration- 14 years
Paid annually

Year Opening balance (in ₹) Credit Amount(in ₹) Interest  (in ₹)
Closing Balance (in ₹)
1 0 1000 84 1084
2 1084 1000 175 2259
3 2259 1000 274 3533
4 3533 1000 381 4914
5 4914 1000 497 6410
6 6410 1000 622 8033
7 8033 1000 759 9792
8 9792 1000 906 11698
9 11698 1000 1067 13765
10 13765 1000 1240 16005
11 16005 1000 1428 18433
12 18433 1000 1632 21066
13 21066 1000 1854 23919
14 23919 1000 2093 27012
15 27012 0 2269 29281
16 29281 0 2460 31741
17 31741 0 2666 34407
18 34407 0 2890 37298
19 37298 0 3133 40431
20 40431 0 3396 43827
21 43827 0 3681 47508

 

Result:

Total Deposit in Account – ₹.14,000
Amount after maturity – ₹.47,508
Interest received – ₹ 33,508

₹ 5000 calculated with contribution (annual)

Fixed interest – 8.4%
Tenure- 14 years
Payment Frequency- Annually

Year Opening balance (in ₹) Credit Amount(in ₹) Interest (in ₹)
Closing Balance (in ₹)
1 0 5000 420 5420
2 5420 5000 875 11295
3 11295 5000 1369 17664
4 17664 5000 1904 24568
5 24568 5000 2484 32052
6 32052 5000 3112 40164
7 40164 5000 3794 48958
8 48958 5000 4532 58490
9 58490 5000 5333 68823
10 68823 5000 6201 80024
11 80024 5000 7142 92166
12 92166 5000 8162 105328
13 105328 5000 9268 119596
14 119596 5000 10466 135062
15 135062 0 11345 146407
16 146407 0 12298 158706
17 158706 0 13331 172037
18 172037 0 14451 186488
19 186488 0 15665 202153
20 202153 0 16981 219134
21 219134 0 18407 237541

Result:

Total Deposit – Rs.70,000
Amount after Maturity Amount – Rs 2,37,541.
Interest received-1,67,541 Rs.

List of 28 authorized banks covered under the scheme

  • State Bank of India
  • Allahabad Bank
  • Axis Bank
  • IDBI Bank
  • State Bank Of Travancore
  • Central Bank of India
  • Bank of Maharashtra
  • Andra bank
  • Bank Of Baroda
  • ICICI Bank
  • Oriental Bank Of Commerce
  • Indian Overseas Bank
  • State Bank of Mysore
  • Bank of India
  • corporation bank
  • State Bank Of Bikaner And Jaipur
  • Punjab and Sind Bank
  • Indian Bank
  • Union Bank Of India
  • United Bank Of India
  • Vijaya Bank
  • UCO Bank
  • State Bank Of Hyderabad
  • Canara Bank
  • Punjab National Bank
  • State Bank Of Patiala
  • Dena Bank
  • Syndicate Bank

Changes made in Sukanya Samriddhi Yojana 2021

We are going to tell you about 5 changes made under the new rule related to the scheme, which are as follows:

Interest rate will not change even after account default:

According to the scheme after opening the account, it is necessary to deposit Rs 250 in the account every year and if you do not deposit this amount every year then your account will be considered as default, if you have not reactivated the account then girl’s maturity 2019 As per the new rule, you will continue to get 7.6% interest on your defaulted account till the end. Whereas only 4 percent interest is given in the savings account of the post office.

Rules for premature closure of account:

According to the new rule made on December 12, 2019, the rule of premature closure was made because if a daughter dies or the account holder has become a victim of any serious illness, then he will have to speak for himself in this matter. If it is not able to continue further, then according to the new rules made by the government, it will be mandatory to close the account in time.

Account Current Status:

Under this scheme, until your daughter turns 18, she is not allowed to operate the account on her own. According to the first rule, the girl child was made an account holder after she turned 10, but now her parents will take care of her account for 18 years. On completion of 18 years, she has to submit necessary documents to the bank or post office, after which she can operate the account herself.

Opening account of more than 2 daughters:

Under this scheme, the account of only two daughters can be opened, but if two twin girls are born after having one daughter in a family, then in such a situation the account of 3 daughters can be opened. According to the new rules, for opening more than two accounts, you will have to submit the birth certificate of the girl child along with the affidavit.

Other changes:

Under the Sukanya Samriddhi Yojana, many conditions have been added and removed in the new rules. which is not fully known. As soon as we get information about them, we will inform you about it.

How to Re-open Sukanya Samriddhi Yojana 2021 Account?

For the bright future of the daughters, the government has started Sukanya Samridhi Yojana, through which the parents of the daughter can deposit money for her according to her and its starting has been kept 250 to 1.5 lakh rupees. It is very important that if you open an account of Sukanya Samriddhi Yojana in any post office, then you will have to deposit money in it every year according to your status.

If you deposit an amount of Rs 250, then you have to deposit the same amount every year. If you do not deposit the amount stipulated by you in any year then your account will be closed but you will be able to get this account opened again. To reactivate the account, you need to visit the post office or bank, wherever you have your account. Now you have to fill the re-open form and deposit the remaining amount with penalty.

For example, you have not deposited Rs 500 for 3 years, which you had decided to deposit in the savings account. So you have to deposit Rs 1500 for 3 years as well as pay a fine of Rs 50 every year. i.e. (3*500 + 150 (Three years fine) = 1500 + 150 = 1650) to be deposited together.

IPPB (India Post Payments Bank) mobile app launched

This app has been started by the Indian Post Office to provide convenience to the citizens. With which you will be able to easily transfer money from your mobile to your savings account. It can be used by people who have Core Banking (i.e., one that processes banking transactions on a day-to-day basis and updates accounts and records) enabled accounts. Your account should be pre-filled KYC (Know Your Consumer Form) and your account should have internet and mobile bank facility.

You can easily do your transaction work through IPPB mobile app, for which you need to open a digital account and download the mobile app, fill your login details and OTP and open the account and 4 digit mPIN (Mobile Banking) Personal you can easily transfer money) by setting the identification number.

Download IPPB Mobile App

Follow the steps we provided to download the mobile app:

  • To download IPPB app, first you have to go to Google Play Store.
  • Now you have to search IPPB Mobile APP.
  • After searching you install it.
  • After which your app will be SUCCESSFULLY DOWNLOAD. and all the information related to it
  • It will be visible through the app on mobile and you will be able to transfer your amount easily through it.

📲 Play Store App :- Download

Questions and answers(FAQ) related to Sukanya Samriddhi Yojana 2021

How to get loan amount under Sukanya Samriddhi Yojana?

Under SSY, when the girl turns 18, then you will be able to withdraw 50 percent of the amount. Which you can use for the education and marriage of the girl child.

How many daughters of the family will get benefit under the scheme?

Only 2 girl children of the family can get the benefit of this scheme. But the age of the daughter should be less than 10 years.

Sukanya Samriddhi Yojana was launched under whom?

This scheme was started by the government under Beti Padhao, Beti Bachao, through which daughters in the country should not be considered as food and they cannot be killed.

Savings account under this scheme can be opened with an amount of Rs.

Under Sukanya Samriddhi Yojana, you can open an account with Rs 250. In this, you can invest from Rs 250 to Rs 1.5 lakh every year. In this you will get an interest rate of 7.6%.

What are the new changes under Sukanya Samriddhi Yojana?

We have told you in detail about the changes made according to the new rule of SSY, read the article for details.

How can I deposit money in Sukanya Samriddhi Yojana account?

You can deposit the amount by demand draft through mobile app or by electronic mode through core banking system.

What will happen if the amount is not deposited every year under the scheme?

If you do not deposit the amount stipulated by you in any year then your account will be closed but you will be able to get this account opened again. To reactivate the account, you need to visit the post office or bank, wherever you have your account. Now you have to fill the re-open form and deposit the remaining amount with penalty. The amount of fine has been fixed at Rs 50 every year.

Can Sukanya Samriddhi Yojana account be transferred from one post office to another or from bank to bank?

Yes, Sukanya Samriddhi Yojana account can be transferred. The procedure for transferring the account is as follows:
First you go to the bank or post office with passbook and KYC documents and submit. Now inform the officer to transfer your account. After which the bank manager or post office officer will close your old account and give you a transfer request letter. Which you have to submit along with all the documents to the new bank or post office, also submit the KYC form. After which you will be provided with a new passbook and a new account will be opened in your new bank or post office.

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Conclusion: We have provided you all the information about Sukanya Samriddhi Yojana 2021 through our article. If you liked the information, then you can tell us and if you have any question or suggestion related to this scheme, then you can ask us by commenting. Do share this post with your friends and family. Thanks..!!
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