Sukanya Samriddhi Yojana 2025: In a country where financial security and education for the girl child are of utmost importance, the Sukanya Samriddhi Yojana (SSY) stands out as a thoughtful initiative by the Government of India. Launched under the Beti Bachao, Beti Padhao campaign, this savings scheme aims to encourage parents to save for their daughter’s future education and marriage expenses.
Let’s delve into the key features, benefits, and eligibility criteria of this impactful scheme.
What is Sukanya Samriddhi Yojana?
The Sukanya Samriddhi Yojana is a government-backed savings scheme designed specifically for the girl child. It offers attractive interest rates, tax benefits, and a secure long-term investment option for parents or legal guardians.
Sukanya Samriddhi Yojana 2025 की विशेषताएं
- इस योजना के तहत 10 वर्ष से कम उम्र की बालिका के लिए उनके माता-पिता या कानूनी अभिभावक खाता खोल सकते है।
- योजना के अनुसार एक परिवार में दो बालिकाओं को इस योजना का लाभ मिलेगा, हालांकि अगर जुड़वां बच्चियां जन्म लेती है तो उस स्थिति उसे भी लाभ मिलेगा।
- आप किसी भी डाकघर या फिर अधिकृत बैंक में जाकर खाता खोल सकते है।
- आप एक वर्ष में न्यूनतम 250 रुपये और अधिकतम 1.5 लाख रुपये तक पैसे जमा कर सकते है।
- इसमें अन्य सरकारी योजना के मुकाबले ज्यादा ब्याज मिलता है। 2024-25 के वित्तीय वर्ष की तीसरी तिमाही के लिए ब्याज दर 8.2% है।
- आप अपने खाते की परिपक्वता की अवधि 21 वर्ष या 18 वर्ष की आयु के बाद बच्ची की शादी तक संचालित कर सकते है।
- इसमें आपको धारा 80सी के तहत 1.5 लाख रुपये तक निवेश करने पर टैक्स में छूट मिलेगी, और अर्जित ब्याज व परिपक्वता की राशि पर भी कोई टैक्स नहीं लगेगा।
Key Features of Sukanya Samriddhi Yojana
1. Eligibility
- The account can be opened for a girl child below the age of 10.
- Only one account per girl child is allowed.
- A family can open a maximum of two accounts for two girl children. In the case of twins or triplets, exceptions are made.
2. Account Opening
- Can be opened at any post office or authorized bank.
- Requires the birth certificate of the girl child and identity/address proof of the guardian.
3. Deposit Amount
- Minimum deposit: ₹250 per year.
- Maximum deposit: ₹1.5 lakh per year.
- Deposits can be made for 15 years from the date of opening the account.
4. Interest Rate
- The interest rate is revised quarterly by the government.
- As of recent updates, it is around 8.2% per annum (subject to change).
5. Tenure and Maturity
- The account matures after 21 years from the date of opening or at the time of the girl’s marriage (after she turns 18), whichever is earlier.
- Partial withdrawal of up to 50% is allowed after the girl turns 18 years for higher education.
Tax Benefits
- Investments in SSY qualify for deductions under Section 80C of the Income Tax Act.
- The interest earned and the maturity amount are both tax-free, making it an EEE (Exempt-Exempt-Exempt) investment.
Why Should You Invest in Sukanya Samriddhi Yojana?
✅ High Interest Rates
SSY offers one of the highest interest rates among government-backed small savings schemes.
✅ Risk-Free
Being backed by the Government of India, it offers guaranteed returns with zero risk.
✅ Long-Term Benefit
Ideal for securing the education and marriage expenses of a girl child.
✅ Empowering the Girl Child
Beyond financial security, it promotes the importance of education and welfare of girls.
Conclusion
The Sukanya Samriddhi Yojana is not just a savings plan — it’s a step toward empowering your daughter’s future. With its combination of high returns, tax benefits, and long-term planning, it is one of the best investment options for parents who want to build a strong financial foundation for their daughters.
If you have a daughter below the age of 10, this is the perfect time to open an SSY account and invest in her bright tomorrow.