Sukanya Samriddhi Yojana: In today's time, inflation has increased so much that it has become difficult to manage the family budget. In such a situation, every parent is worried about the future of their children, especially about the expenses of their daughters' education and marriage. To provide relief to parents from these worries, 'Sukanya Samriddhi Yojana (SSY)' of the Government of India has been started. This government scheme gives an opportunity to prepare a secure future for daughters. If you also start saving a little in your daughter's name, then when she grows up, she will have lakhs of rupees saved for her education and marriage. Know the benefits of this scheme, how much interest will be given and what is the complete application process?

What is Sukanya Samriddhi Yojana?

Sukanya Samriddhi Yojana is a special savings scheme of the Government of India, which has been launched only for daughters. Under this scheme, parents or guardians can open an account in the name of their daughter in a bank or post office. This account can be opened till the daughter turns 10 years of age. In this, Rs 250 to Rs 1.5 lakh can be deposited every year. On this, interest of up to 8.2% is available from the government, which is much higher than ordinary savings accounts.

How much interest and how much benefit will be available in Sukanya Samriddhi Yojana?

The most special thing about this scheme is its interest of 8.2%, which keeps getting added every year on your deposit amount. If a family deposits Rs 1.5 lakh every year in the name of their daughter for 15 years, then by the time the daughter turns 21, a fund of around Rs 70 lakh can be ready. This means that by the time the daughter grows up, she will have strong financial security for both education and marriage.

What documents are required to apply?

In this scheme, some important documents have to be given to open an account, which include-

• Birth Certificate of daughter
• Identity card of parents (Aadhaar, PAN or Voter ID)
• passport size photo
• Copy of bank or post office passbook
• Mobile number and address details

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Where and how to open an account?

It is very easy to open an account under this scheme. You can open this account by going to your nearest post office or any government bank branch. To open an account you have to do this-

1. Go to the nearest post office or bank branch.
2. Take the form of Sukanya Samriddhi Yojana.
3. Fill all the required information carefully.
4. Attach all the documents mentioned above with the form.
5. Submit the form by depositing the initial amount.
6. Be sure to take a receipt from the bank or post office, which is proof of the account.
7. Keep in mind that a family can open this account only for two daughters.

Sukanya Samriddhi Yojana not only secures the future of the daughters, but also gives assurance to the parents that the expenses of their daughter's education and marriage will be met without any hassle. Tax exemption (Income Tax Benefit under Section 80C) is also available in this, which further increases your savings.