Sukanya Samriddhi Yojana (सुकन्या समृद्धि योजना क्या है ?)

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Sukanya Samriddhi Yojana (सुकन्या समृद्धि योजना क्या है ?)


Our country's Prime Minister has launched many new schemes along with old ones to provide various facilities to the people of the country. Similarly, keeping in mind the education and marriage of daughters, Prime Minister Narendra Modi started the Sukanya Samriddhi Yojana (SSY Scheme). This is a scheme that provides benefits only to girls.

Sukanya Samriddhi Yojana (सुकन्या समृद्धि योजना क्या है ?)

The Sukanya Samriddhi Yojana (SSY Scheme) is an important scheme aimed at making the future of girls in the country brighter. Under this scheme, girls are provided financial assistance for their education and marriage expenses, so that they can stand on their own feet and compete with boys in all aspects without falling behind. Therefore, if you do not have enough information about the Sukanya Samriddhi Yojana and want to know more about it, you can find information here about the rules, benefits, and eligibility criteria of the scheme.

 Sukanya Samriddhi Yojana सुकन्या समृद्धि योजना क्या है ?

The Sukanya Samriddhi Account was announced under the Beti Bachao Beti Padhao scheme on 2nd December 2014. Under this scheme, an account can be opened for a girl child from birth up to 10 years of age. You can easily open a Sukanya Samriddhi account at any nearby post office or bank. The Indian government has already launched several types of post office savings schemes, and this Sukanya Samriddhi Yojana is also such a scheme that provides various facilities for a certain period with a high-interest rate and income tax deduction.

Under this scheme, until the girl reaches the age of 10, her parents or legal guardians can manage this account by depositing a minimum amount of Rs. 250. After that, when the girl becomes eligible for education or marriage, she can withdraw money from this account for her education at the age of 18 or for marriage at the age of 21, under this scheme.

Rules and conditions of Sukanya Samriddhi Yojana.(सुकन्या समृद्धि योजना के नियम व शर्तें)

  • The Sukanya Samriddhi Account is opened only in the name of the girl child. 
  • The account can be managed by the parents or legal guardians. 
  • To open a Sukanya Samriddhi Account, the girl child's age should be less than 10 years. 
  • If the girl child's age is more than 10 years, then the account cannot be opened. 
  • Necessary documents such as birth certificate, identity proof of the guardian, address proof, and other documents are required to open the account.
  • Under the Sukanya Samriddhi Account scheme, you can deposit an amount ranging from ₹1,000 to ₹1.5 lakh per year. 
  • The scheme provides an interest rate of 2%. 
  • The scheme is tax-free as per the budget.
  • The duration of the Sukanya Samriddhi Account is from the date of opening the account till 21 years.
  • You can use the deposited money for the girl child's education or marriage expenses under this scheme.
  • In case of the girl child's death, the account is closed, and all the deposited amount is returned to the girl child's parents or legal guardians.

What are the benefits of Sukanya Samriddhi Yojana?(सुकन्या समृद्धि योजना से क्या लाभ है ?)

What are the benefits of Sukanya Samriddhi Yojana?(सुकन्या समृद्धि योजना से क्या लाभ है ?)

  • When a Kanya (girl child) savings account is opened, the money deposited for the Kanya until she turns 18 or 21 will be received on time. 
  • Under this scheme, they will receive a 2% interest rate and assistance will be provided to increase the money deposited.
  • Under the Sukanya Samriddhi Account scheme, when a girl child turns 18, she can withdraw her money for further education, and when she turns 21, she can also use the money for marriage.
  • Under the Sukanya Samriddhi Account scheme, the girl child will be provided with a separate passbook, which includes a complete record of the deposited and withdrawn money, the girl's name, the names of the girl's parents, and the date of the transaction.

Eligibility for Sukanya Samriddhi Yojana (SSY)(सुकन्या समृद्धि स्कीम (SSY) के लिए योग्यता)

  • The Sukanya Samriddhi Yojana account is an account that can only be opened in the name of a girl child by her parents or legal guardians. 
  • It is necessary for the girl child to be under 10 years of age at the time of opening the account. 
  • Only one account can be opened for a girl child, and no more than one account can be opened. 
  • Only two accounts can be opened per family. Separate accounts will be opened for each girl child.

Documents required for opening a Sukanya Samriddhi Account are:(सुकन्या समृद्धि खाता के लिए आवश्यक दस्तावेज (क्या-क्या डॉक्यूमेंट चाहिए))

  • Application form
  • Birth certificate of the girl child
  • ID proof (by the guardian)
  • Address proof (by the guardian)
  • Passport-size photo of the girl child.

Some important information related to the Sukanya Samriddhi Yojana in 2023 are

  • Under the "Save Daughter, Educate Daughter" scheme, if you deposit a sum of 12,000 rupees per year in this account, you will accumulate a sum of 168,000 rupees in 14 years. 
  • After maturity, the account will provide you with 607,128 rupees.
  • Additionally, a maximum amount of 500,000 rupees per year can be deposited into this account. You can deposit funds into this account for up to 14 years.
  • So, you can accumulate a total of 2.1 million rupees in this account. 
  • However, when the account reaches maturity, you will be provided with 7.2 million rupees under this scheme.
  • After the girl reaches 18 years of age, 50% of the amount in this account can be withdrawn for the purpose of her education and marriage.

PM addresses the launch of 'Jal-Jan Abhiyaan' through video messages

Names of banks for opening a Sukanya Samriddhi Account:(सुकन्या समृद्धि खाता खोलने वाले बैंकों के नाम  )

  • Bank of Baroda
  • State Bank of India
  • Bank of India
  • Uco Bank
  • Andhra Bank
  • United Bank of India
  • Punjab National Bank
  • Corporation Bank
  • Dena Bank
  • Central Bank of India
  • IDBI Bank
  • Allahabad Bank (No longer exists, it has been merged with Indian Bank)

Sukanya Samriddhi Yojana Calculator(SSY Scheme Calculator)


Child’s Age

account age

amount yearly

amount  at the end of the year

Interest rate

interest amount

total at the end of the year

3

1

12000

12000

9.1

1092

13092

4

2

12000

25092

8.61

2160.4212

27252.4212

5

3

12000

39252.4212

8.61

3379.633465

42632.05467

6

4

12000

54632.05467

8.61

4703.819907

59335.87457

7

5

12000

71335.87457

8.61

6142.018801

77477.89337

8

6

12000

89477.89337

8.61

7704.046619

97181.93999

9

7

12000

109181.94

8.61

9400.565033

118582.505

10

8

12000

130582.505

8.61

11243.15368

141825.6587

11

9

12000

153825.6587

8.61

13244.38921

167070.0479

12

10

12000

179070.0479

8.61

15417.93113

194487.979

13

11

12000

206487.979

8.61

17778.615

224266.594

14

12

12000

236266.594

8.61

20342.55375

256609.1478

15

13

12000

268609.1478

8.61

23127.24762

291736.3954

16

14

12000

303736.3954

8.61

26151.70365

329888.0991

17

15

0

329888.0991

8.61

28403.36533

358291.4644

18

16

0

358291.4644

8.61

30848.89508

389140.3595

19

17

0

389140.3595

8.61

33504.98495

422645.3444

20

18

0

422645.3444

8.61

36389.76416

459035.1086

21

19

0

459035.1086

8.61

39522.92285

498558.0314

22

20

0

498558.0314

8.61

42925.84651

541483.8779

23 

21

0

541483.8779

8.61

46621.76189

588105.6398


Helpline for Sukanya Samriddhi Yojana.

If you are facing any issues related to SSY or Sukanya Samriddhi Scheme, you can call the toll-free number SSY Scheme Toll Free No. - 1800 266 6868 and get all the information. This service will be available from 9 am to 6 pm (closed on Sundays and government holidays)


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