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Sukanya Samriddhi Yojana: Post Office's superhit scheme, daughters will get 70 lakh rupees at the age of 21..

Shikha Saxena August 07, 2025 04:15 PM

Every parent wants their children's future to be secure, and when they grow up, there is no shortage of money for their education or marriage. If you are also looking for a fixed and reliable investment plan for your daughter, then the Post Office's Sukanya Samriddhi Yojana can be a great option for you. This scheme not only gives guaranteed returns, but the risk of investment in it is also very low.

What is Sukanya Samriddhi Yojana?

Sukanya Samriddhi Yojana is a special savings scheme run by the Government of India, which has been specially designed keeping in mind the future of daughters. In this, you can open an account in the name of your daughter, but the condition is that the girl's age should be less than 10 years. A minimum of Rs 250 and a maximum of Rs 1.5 lakh can be deposited in this account every year.

How can you make Rs 70 lakh?

If you want your daughter to get an amount of about Rs 70 lakh when she turns 21, then you must save Rs 12,500 every month and invest Rs 1.5 lakh in a year. Suppose you opened this account when your daughter was 5 years old and you deposited Rs 1.5 lakh every year for 15 consecutive years. In this way, your total investment in 15 years will be Rs 22.5 lakh. Since this scheme provides compound interest, after 21 years, this amount will increase to about Rs 69.27 lakh. In this, about Rs 46.77 lakh will be earned only from interest.

The most special thing about this scheme is that the interest received in it is completely tax-free and at present, this interest rate is 8.2 percent, which is better than other savings schemes. Under this scheme, when the daughter turns 18, you can make a partial withdrawal from it, which can be very helpful for her education expenses. At the same time, the entire money will be received when the account matures i.e. 21 years are completed.

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