Diwali Gifts 2024: Diwali festival is being celebrated all over the country and the world. This day is the festival of lights. Along with this, Goddess Lakshmi is worshipped. Daughters are the Lakshmi of the house. For a safe and happy life for daughters, it is important that along with good education, financial needs are also taken care of. For the better future of daughters, the government is offering many types of savings schemes. One of these is Sukanya Samridhi Yojana.


This government-backed scheme offers an interest rate of 8.2% per annum on the invested amount. The special thing is that you can start investing in the scheme with just Rs 250. This can help you create a large sum of money in the future, which can help in your daughter's higher education and studies. Therefore, you can gift this to your daughter this Diwali.


Sukanya Samriddhi Yojana Calculation

Daughter's age: 10 years Year of investment: 2021 Annual deposit amount: Rs 1.5 lakh Annual interest rate: 8.2% Total estimated amount after 21 years: Rs 69,27,578 Total interest income: Rs 46,77,578 Maturity Year: 2042


You will get bumper returns in Sukanya Samriddhi Yojana!

If you start investing in Sukanya Samridhi Yojana (SSY Scheme) on the auspicious occasion of Diwali, then it has many benefits. Let us understand this with an example... If an investor deposits Rs 1.5 lakh every year in Sukanya Samridhi Yojana for 15 consecutive years, then the total deposit amount will be Rs 22,50,000. If 8.2% interest is being received every year on the total amount deposited in the scheme, then Rs 46,77,578 will be earned from interest on the total investment.


In terms of calculation, the interest earned on the total investment is almost double the principal amount. That is, on investing Rs 1.5 lakh every year in Sukanya Samriddhi Yojana, the investor will get Rs 69,27,578 on maturity.


You will earn lakhs in Sukanya Samriddhi Yojana

If you invest Rs 1 lakh every year in Sukanya Samriddhi Yojana for your daughter, then if this investment is continued for 15 years, then the total deposit amount will become Rs 15 lakh. Considering the current interest rate of 8.2%, the estimated interest income on the total deposit will become Rs 31.18 lakh. In this context, the total investment and interest income in Sukanya Samriddhi Yojana will become Rs 46.18 lakh on maturity. That is, the total investment amount in the scheme will increase more than 3 times.


Special things related to Sukanya Samriddhi Yojana

If you want to start investing in Sukanya Samriddhi Yojana on Diwali, then let us tell you that a maximum of Rs 1.5 lakh can be deposited every year. Investment has to be made in the government saving scheme for 15 consecutive years. The amount deposited by the investor matures after 21 years. On maturity, the amount invested in the scheme and the interest income on it are transferred directly to the investor's account. Let us tell you that in Sukanya Samriddhi Yojana, parents can start investing for their daughter below 10 years of age.