Sukanya Samriddhi Yojana – Calculating Maturity Value after 21 Years
This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at [email protected]
Sukanya Samriddhi Yojana has received a great initial response from the general public. As the scheme offers 9.1% tax-free rate of interest, investors are finding this scheme to be extremely attractive and want to invest in it as soon as possible. They also need handholding to invest in this scheme. But, due to lack of required information with the post offices and authorised bank branches, people are finding it difficult to do so.
I have posted two articles about this scheme and both have received over hundred comments from the visitors. I have been getting many queries regarding the maturity value of this scheme. People want to know the value of their investment as the scheme gets matured after 21 years.
Though it is almost impossible to calculate a precise maturity value of this scheme as there are many variables on which its maturity value will depend, I have tried to make a couple of tables in which the maturity value has been calculated keeping those variables to be constant and yearly & monthly contribution to be the only variable.
Certain assumptions have been made for calculating these maturity values and those assumptions are:
* Rate of Interest has been assumed to be 9.1% for all these 21 years.
* Yearly contributions have been assumed to be made on April 1 every year i.e. the beginning of the financial year.
* Monthly contributions have been assumed to be made on 1st day of every month.
* Although it is not mandatory, a fixed amount of yearly/monthly contribution has been assumed.
* It is also assumed that no withdrawal is made throughout these 21 years.
Here you have the tables:
Yearly Contribution Table
Monthly Contribution Table
I hope these two tables help people in deciding how much amount they would like to contribute to this scheme in order to achieve their girl child’s marriage and/or higher education goals.
Before you go ahead and plan to get an account opened, I would like to again highlight the main features of this scheme:
Who can open this account? – Parents or a legal guardian of a girl child up to the age of 10 years, can open this account in the name of the girl child. Up to December 1, 2015, one year grace period has been provided to allow this account to get opened for a girl child who is born on or after December 2, 2003.
9.1% Tax-Free Rate of Interest – This scheme offers 9.1% rate of interest, which has also been exempted from tax in this year’s budget. But, this rate is not fixed at 9.1% for the whole tenure and is subject to a revision every financial year.
Scheme Matures in 21 years or on Girl’s Marriage, whichever is earlier – The scheme gets matured on completion of 21 years from the date of opening of the account or as the girl child gets married, whichever is earlier. Please note that the girl attaining the age of 21 years has no relevance to maturity of this scheme.
Deposit for 14 years only – You need to deposit a minimum of Rs. 1,000 and a maximum of Rs. 1,50,000 only for the first 14 years, after which you are not required to deposit any amount. Your account will keep earning the applicable interest rate for the remaining 7 years or till it gets matured on your daughter’s marriage.
Documents Required – You need birth certificate of the girl child, along with the identity proof and residence proof of the guardian, to open an account under this scheme. You can approach any post office or authorised branches of some of the commercial banks to get this account opened.
You can check the rest of the features of this scheme from this post – Sukanya Samriddhi Yojana – Tax-Free Small Savings Scheme for a Girl Child
You can also download the application form to open an account from this post – Sukanya Samriddhi Yojana – Application Form & List of Banks to Open an Account. If you still have any query or something related to discuss, please share it here.
I cannot understand why would anyone trust their money with government. The government has no financial sense whatsoever, on managing it’s own (tax-payer’s) money.
A couple of questions to think about, what if this scheme is withdrawn after a few years or after a change in government. Or better yet, what if the tax benefits get withdrawn just like what happened to other otpions
If an individual has got a horizon of 21 years, does settling down for a mere 9% or 12.5% keeping the tax benefits at maturity & trusting the government.
Look what happened to baby boomer’s 401K accounts (retirement) of the USA.
I would never ever trust the government with my money. I’d rather make it a habit of learning the pros & cons of the different options & then make conscious decision of being in control of my finances and its returns.
Hi Sharath,
I understand your concerns, but I think you need to broaden your view. Small Saving Schemes like PPF, NSC etc. have been in existence for many years now and investors have got what they have been promised. I agree with you that the working style of the government is questionable and they need to improve their efficiency levels manifolds. But, then these schemes are for poor & middle class people and for them, safety of their capital is their primary motive. They cannot trust private companies with their hard earned money. Government is one institution where their money is highly safe. Whether it is put to use in an efficient manner or not is a different matter altogether.
I think you are a different kind of investor, most likely an educated investor, so you can understand many aspects of other investments. So, other schemes from private institutions might suit your risk appetite. But, common people of India probably require such kind of schemes for them to save for their basic financial goals.
kya ye yojana SBI ki associate Bank me bhi shuru rahegi ?
Abhi iski info available nahin hai.
what is the maturity value if monthly deposit is 100/- for 14 years?
Approximately Rs. 62,530 based on assumptions mentioned in the article.
Hi,
I had a few questions on this scheme:
1) Is the maximum investment possible Rs.1,50,000 per girl child? So, I have 2 daughters and so can I invest Rs.3,00,000 per year?
2) Can you detail what the maturity at “girl’s marriage” means? If the money available before or after marriage?
3) I presume on maturity the amount goes to the sole ownership of the girl child?
Regards,
sowmyanarayan.
Hi,
1. Yes, that is correct.
2. You cannot continue this scheme beyond your daughter’s marriage. As she gets married, you need to close this account and withdraw the balance.
3. Girl child will have the right over the maturity amount.
Hello,
if my early contributation is 1,50,00 per year.
how much will i get after 21 years ?
Thanks
Approximately Rs. 78,90,762, based on certain assumptions mentioned above.
ecs is possible in post office ?
This yojana koyi bank operator karagi?
Some authorised banks is scheme ko operate karenge.
Online facility shayad available nahin hogi post office mein.
sukanya simridhi yogna plz detail me .
this scheme is superb for people with girl child . But i must say that govt. launched this scheme without proper planning. No forms are available where ever you go.
Hi Gaurav,
Though the forms are now available online, banks are still not guiding people how to open an account. That is the bigger problem.
Hi,
I want to know if I will deposit for example Rs. 10,000 a year and will get Rs. 5,26,051 at the time of maturity as per the table, will the total amount of Rs. 5,26,051 is free from tax or it will be taxable once we received it.
Thanks
Hi,
It will be completely tax-free as per the latest budget provisions.
I want to invest 60000 per year which plan is best ppf, suknya smridhdhi yojna or bank FD or give other better option ?
Please provide best thing
Thanks in advanse
Among the three schemes you mentioned, I think Sukanya Samriddhi Yojana is the best.
My daughter is USA born and she is a US citizen am I still eligible to avail this scheme for my daughter. If so what documents do I need to submit. Thanks!
Hi,
I don’t think US Citizens would be allowed to open this account. I’ll share the info here as soon as I get any update.
Hi,
I would like to invest in SSY account.My daughter is 10 years old now,so how many years do i need to invest? For 14 years or till my daughter is 21 years?
Hi,
You need to invest for 14 years only, but the scheme will get matured in 21 years. Moreover, 21 years has nothing to do with the age of your daughter.
Hi,
Q1. Suppose if my daughter’s marriage is after 24 year, can I withdraw the money on 21st year?
Q2. What happen if I could not complete the 14 year payment?
Q3. What if the girl is not willing for a married life?
Please reply.
Hi,
1. No, you cannot. You can withdraw the amount either on maturity or when your daughter gets married, whichever is earlier.
2. There is a penalty of Rs. 50 for each year of non-payment, along with minimum deposit of Rs. 1,000 for each year.
3. The account will get matured after 21 years.
Sir,
If now girl child age is nine years then i deposit 1.5 lac per year then how much getting after maturity.
Pl. explain.
Thanks
Rajesh
Please check the table above, it is Rs. 78,90,762 as per the table.
1.)able ke mutabit jo calculation bataya gaya hai. Kya wo fix ammount hai jo after maturity milegi?? Ya yearly budget pe depend karta hai??
2) agar ye budget pe depend karta hai to aage ke 14 saal mein aapke mutabit kitna interest rate aa sakta hai??
3) 3000 per month pay karu to aage ke interest badlne par approx ammoeunt kitni mil sakti hai hame??
1. Jo calculation show ki gayi hai, wo amount fix nahin hai. Interest rate har saal 1 April ko change hoga.
2. & 3. Agle 14 saal kitna interest rate rahega, iska idea mujhe nahin hai.
1) Yearly interest rate will change and accordingly maturity value will also effect. This calculation is done based on assumptions only.
2) It should be equal or more than PPF interest rartes
3) That can’t be calculated now and we don’t know the future interest rates 🙂
Hi,
I would like to invest in SSY account. My daughter is 6 years old now,so how many years do i need to invest? Is it for 14 years of period starting from today or until my daughter turns 14 years.
Regards,
Venkatesh
Hi Venkatesh,
You need to invest for 14 years starting from the year you open this account.
Whether SSY account can be transferred from one post office to another ?
Hi,
My daghter is 2 and half years, I wud lke to invest in SSY and just want to knw should I invest till she’s 14 or a minium period of 14 years.
* In case the 2st year i pay 60,000 and 2nd year Im unable to make it upto same amout can I pay how much ever feasible.
Hi Jenny,
1. You need to invest for a minimum period of 14 years.
2. You can invest whatever amount you want to invest subject to a minimum contribution of Rs. 1,000 per annum.
My daughter is only 5 months old. Is she eligible for the scheme
I have bank account in Indian Bank, Can I open the Same with them as Post office doest have ECS option
You need to approach your bank to inquire about it.
Hi,
My daughter’s date of birth is 10.5.2004.
Is she eligible for sukanya samruddhi yojana. And if I start in april 2015, how many years should I invest, and what is the maturity date,and how much she will get after maturity if I invest 10000 per month.
Hi,
My daughter’s date of birth is 10.5.2004.Is she eligible for sukanya samruddhi yojana. And if I start in april 2015, how many years should I invest, and what is the maturity date,and how much she will get after maturity if I invest 10000 per month.
Sir, I m a Govt employee and want to invest my money for future needs of my 2 little daughters ( First is 2 years old and second is 6 month old). Monthly contribution will be 1000/-each. Which scheme namely SSY, PPF, SIP will be better for me. I have a PPF account also with SBI.
With Best regards.
hello sir,
my daughter s 2yrs old.
1) i will pay for 14yrs under this scheme i.e till she turns 16, so will amount at maturity wary depending on the age of my daughter.
Hi Samkit,
Maturity amount has nothing to do with the age of your daughter.
Hi Mona,
At present SSY seems better than PPF. Investment in Equity SIPs has given better returns than PPF in the past. So, if you can take risk, equity investment is the best option.
Sorry, Monu & not Mona.
Hi ,
The amount recieved on maturity (for eg 78lacs) is to be used for the marriage and Education only or can it be used for any other purpose? If marriage cost and education cost works out 50lacs what will happen to the remaining amount? Can the girl use it for any othe rpurpose?
Yes, it can be used for any purpose. The government will not track the final use of maturity proceeds.
Hi,My daughter’s date of birth is 10.5.2004.Is she eligible for sukanya samruddhi yojana. And if I start in april 2015, how many years should I invest, and what is the maturity date,and how much she will get after maturity if I invest 10000 per month.
Hi,
Yes, your daughter is eligible for this scheme. You need to invest for 14 years & it will mature in 21 years or when your daughter gets married. Please check the table above for maturity value.
Hello,
God forbid any of these happens to anyone… but life is harsh sometimes. So, I have three questions:
1. Can we assume that either of the surviving parent will be able to continue making payments in the event of death/disability of one the parents? Also, can either parent claim tax deduction?
2. Can kith or kin continue to make payments in the event of death of both parents? I doubt they can claim Tax deduction?!!
3. What happens to the corpus amount in the event of the death of girl child? Can either parent be made nominee?
Thanks
Nk
Hi Nk,
1. Yes, it is possible that the surviving parent can continue this account in the absence of one of the parents. Only the contributing parent/guardian can claim tax deduction.
2. It is still not clear whether kith or kin can continue this account in the absence of both the parents. I think there must be a provision for legal guardian to continue this account. Also, I think the legal guardian would be eligible to claim tax deduction.
3. Nomination facility is not there with this scheme. In an unfortunate event of the death of the girl child, the account will be closed immediately and the balance will be paid to the guardian of the account holder.
Sir, Can I make the payment online if I open it through bank?
Hi Nia,
Yes, you can do so if the bank is providing the online payment facility.
Sir, my daughter is 9 yrs now.After 9yrs when she will be 18 how much amount she can withdraw .Is it 50% of the maturity amount .?
Q2.If she got married at the age of 21 .Do we have to make the futher payments then.?
Hi Deepa,
1. It is 50% of the balance amount and not the maturity amount.
2. No, when your daughter gets married, you’ll have to compulsorily withdraw the balance and close the account.
Sir meri beti ki age 10 saal h . Iss hisab se wo 11 saal me hi 21 saal ki ho jayegi toh kya mujhe 14 saal investment k complete nhi krne pade ge pahle hi Rs mil Sakte h. Yadi main Sadi 21 saal baad krta hu plzzzzz reply me
Aapko maturity amount ya to beti ki shaadi pe milega ya phir account kholne ke 21 saal baad. Aapki beti ki age 21 saal se koi farak nahin padta.
My daughter is 9 yrs old fr how many year i hv to invest,how much i vll get if i want to invest 6000 per year
Please sir, tell me that 5000 yearly invest in S.S.Y after completion of 21 yrs. How many Rs. Will be return
Please check the table above. Based on certain assumptions and 9.1% rate of interest, it should be approximately Rs. 2,63,025.
Hello sir my daughter is 9 years old ,i want to know for how many year i hv to invest ?
N how much i vll get if i deposite rs.6000 per year
Hello sir my daughter is 9 years old ,i want to know for how many year i hv to invest ?
N how much i vll get if i deposite rs.6000 per year
N also i cn wthdrw fr her stadies ?
Hi Rajani,
1. You need to deposit the desired amount in this account for at least 14 years or till your daughter gets married.
2. Based on certain assumptions and 9.1% rate of interest, it should be approximately Rs. 3,15,630.
3. Yes, you can withdraw 50% of the balance as your daughter attains 18 years of age.
Sir,
I didn’t get my answers yet..
Hello Sir,
After maturity of account, i.e 14 years, who has the claim on maturity amount, the child or the parents????
The girl child will have the right on the maturity proceeds.
Give me and. Plz
Give me ans.plz
What’s your query?
Plz tell me kya us bachhi ko yaojna ka labh nhi mil sakta jiske parents nhi j
Mil sakta hai. Koi bhi legal guardian girl child ke naam pe account khulwa sakta hai.
Mere Bhaiya ki ladki h uski mumy ki dath ho gai or papa ki mansik halat thik nhi h or post office se bola ki vo bachhi yojna ka labh nhi le sakti
Post Office is wrong in doing so.
Par post office vale bol rahe h ki sirf mumy papa k signature hi honge vo log mana kar rahe h him kya kare plz thoda batao
Legal guardian account khulwa sakta hai girl child ka.
My daughter is born on 19.07.2010 i want to invest 10000 on monthly basic (Ten Thousand rupees only),for how long i have to depoist the money & when will the plan gets matured.kindly help me plzzz.awaiting for your reply.
You need to deposit money in this account for 14 years. The scheme gets matured in 21 years from the date of opening this account or when daughter gets married, whichever is earlier.
Hi sir
I am staying out of India for last five years but am an Indian citizen, I want to invest 12500 INR for my daughter who born in 2009, and she also an indian citizen, can I apply it online? ??
Hi Dr Prakash,
Online investment facility is not available with the post offices. Some authorised banks might provide this facility in future, but at present, these banks have no information to provide to any of the interested subscribers. So, you’ll have to wait for some more time to get clarity on this matter.
sir i want to know,
1.)at the time of 18 year where partial withdrawal will be granted or at 21st year 100% withdrawal ,who can withdraw this amount either girl child or the parent suppose if i am paying every month
2)what would be the scene in case of divorce of parent bec i am on the verge of divorce bt want to subscribe for my daughter this plan,please intimate
Hi Rohit,
1. As it is for the girl child, she will have the right to the maturity amount.
2. I have no idea what would be the impact of some family disruption on this scheme. But, if you are doing it for the benefit of your daughter, who I am sure has no role in your disputes, I think it hardly matters what happens at the end of this unfortunate event. I think you should go ahead and do that for your daughter.
Head postmaster ye post office ne hota h ya kisi badi branch par
Ye aapko apne post office mein pata karna padega ki wahaan ka Head Postmaster kahaan hota hai.
Dear Mr Kukreja,
Thanks for the guidance.
I have a different query. Actually I am availing Home Loan from PNB. I am paying approx Rs 70,000/- towards interest per year in addition to principal. Am I eligible for tax deduction of Rs 70,000/- which I am paying towards interest. I mean to say this Rs 70,000/- will be automatically deducted from my gross salary. It is also pertinent to mention here that still I am not in possession of flat. Litigation is going on in State Commission. It will take lot of time. My office says until and unless I am not in possession of flat, I am not eligible for tax deduction. Is it so, kindly guide.
Hello sir,
Need to deposit for upto 14 years right.But in Case if i deposied only two years, ofter unble to deposit Next 2 years.After this 2 years gap again if i will start to deposit upto 5 years-In this case amount will get back or will get interest for that money upto 21 years.
Dear Sir
Thank you for sharing this informatin.
Is NRI can invest in this scheme and take benefit.
Thanks for your help
Dear Sir
Thank you for sharing this informatin.
Is NRI can invest in this scheme and take benefit.
Thanks for your help
OK thank you sir
Dear Sir
Thank you for sharing this information.
Is NRI can invest in this scheme and take benefit. If the daughter is norn outside India but she and parents are still Indian citizens. Will they entitled for the benefit
Thanks for your help
Is yojana ke anusar har saal kitne rupey pay karna padega plzz ans
sir
Is it possible for NRI to open this account for their daughters and is the matured value tax free. my daughter is 2 year old now if i invest 150000 how much she will get on maturity at the age of 21
Thank you
sir my doughter is 2year6mounth and i am open this acc. 12000 per year
and got after 21year meturity ammount
Please check the table above. As per the table, it is Rs. 6,31,261.
In case of death of parents before 21 years policy or marriage of girl child what will happen to the invested money ? will it be refunded deposited amount with interest without continuing ? or child will be bound to pay remaining years or have to wait till marriage ?
You can make a request to prematurely close the account and withdraw the amount under special circumstances like death etc.
Dear Team,
Please tell me about this yojana and tell me minimum deposited rs. in annual and my daughter is 6 year 6 month 10 day so please updated me immediate.
Thanks
Nepal Singh Dhaked
Minimum annual deposit is Rs. 1000. Please check this post, it has all the details about this scheme – https://www.onemint.com/2015/03/03/sukanya-samriddhi-yojana-tax-free-small-savings-scheme-for-a-girl-child/
dear team,
please tell as my conditions,
1. in case of deeply incident/accident with applience than what to you do?
2. in case of applience is no more with any reason than what to you do?
3. in case of emergency personal/family work, we want to withdrawl some deposited payment than what to you do.
You can make a request to prematurely close the account and withdraw the amount under special circumstances, like death etc.
Sir,If she withdraw the 50 % amount after 9yrs i,e. ,when she will be 18 yrs old. Investing 150000 per year. How much will she get at the time of maturity?
Hi Deepa,
Based on certain assumptions & 9.1% rate of interest, it should be approximately Rs. 48.48 lakh after 21 years.
Good morning Sir,
Child girl is 8 year old so “ssy” scheme me 1000 rs. yearly dposite kerne k baad 10 year k baad uske merrige(in 18 year) k lea total kitna amount milega.
Thank you
Hi Rohit,
It should be approximately Rs. 16,654.80
Hi shiv Sir,
will the partial withdrawal be tax free?
Hi Vinay,
Yes, partial withdrawal will also be tax-free.
Sir,
Can you please tell me if i have opted for 10000 annually and in next year i wantto deposit 20000 in an account can I. And yearly how many times i can deposit.
Hi Dushyant,
Yes, you can do that. You can deposit any amount between Rs. 1,000 and Rs. 1.5 lakh. Also, there is no cap on the number of deposits.
hello Sir,
Can you please tell me if i have opted for 10000 annually and in next year i wantto deposit 20000 in an account can I. And yearly how many times i can deposit.
I have just posted an article having a sample duly filled application form, please check – https://www.onemint.com/2015/03/12/sukanya-samriddhi-yojana-sample-filled-application-form/
Dear Sir
What application I got from post office has the letters like SAVING/RD/TD/(1/2/3/5 YEARS/MIS. As you have mentioned in the application form sample SSA option is not there. what should I write in type of account? kindlt clarify.
Hi Janet,
You should write SSA or Sukanya Samriddhi Account there.
Sir
Meri beti ki age 2 years and 7 years hai to me yearly 1000-1000 diposit karu to 21 sall and 18 saal ke baad dono ko kitna milega??
Please check this post – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
If I open this account with 9.1 % interest. Will it be applicable for all 21 years
No, rate of interest for this scheme is not fixed and is subject to a revision every financial year like all other small savings schemes, including PPF. 9.1% rate of interest for SSY is for FY 2014-15 only. For FY 2015-16, the rate of interest will be announced soon in a few days time.
Today I enquired in PNB and SBI about SSY. Both the banks said forms are not available. when will we get the forms ??
Only these banks can tell you about that.
Kya ye yojna ek beema yojna ki Torah hi ? Jisme yadi patients ko kuch ho jai to bhi last me poora pesa Malta hi yadi nhi to kya hi ….
Nahin, ye scheme bima suraksha nahin deti. Agar parents ko kuch ho jaaye, to beti ko balance paisa mil jaayega.
Good investment
Hi,
Could you please tel me can we open two accounts for a single girl child, one account is opended by her grand father and another account is opened by father. does it possible.
Hi Suresh,
No, you cannot open two accounts for a girl child. It is not allowed.
Sir,
Can i open this account through online ?
Hi Abdul,
No, online investment facility is not available.
My daughter is only 8 months old. Is she eligible for the scheme.
Yes, she is eligible for this scheme.
sir 1000 per month dale or 5y tak dale to kitna milega
Jodh Singhji,
14 saal tak deposit karna hoga, 5 saal nahin. Aur monthly deposit karna zaroori nahin hai, saal mein ek deposit bhi chalega.
hello my big daughter birth on 31-07-2002 n second daughter birth on 24-11-2008 can we open her account for sukanya samruddhi yojana
Hi Deepak,
You can open this account for your younger daughter whose date of birth is 24-11-2008. Elder daughter is not eligible.
Hello sir
Kya Hume her month ik fixed amount hi deposit kerni hai. Ya change b ker saktey hai
.
Hi Manoj,
Aap amount change bhi kar sakte hain. Aur har month deposit karna zaroori nahin hai, saal mein ek baar deposit karne se account active rahega.
meri badiwali bacchi ki janam tarikh 31/7/2002 aur chotiwali janm tarikh 24/11/2008 hai Kay main unke naam se sukanya samruddhi yojana ka khata khol sakta hu aur agar is 14 Saal ke darmiyan uske pita/father ko kuch ho jayega to kya hoga
Agar in 14 saal mein father ko kuch ho jaata hai, to aap special request kar ke account close karwa sakte hain. Beti ko balance amount mil jaayega.
Beti bachav yojana aur sukanya samruddhi yojana me kya farak he
“Beti Bachao, Beti Padao” ek financial scheme nahin hai, ek social initiative hai. Sukanya Sammriddhi Yojana ek financial scheme hai.
Hi sir,
I wanted to know what’s accumulated balance and maturity amount.ie.if i deposit 1000 yearly and i withdraw after 14 yrs will i get 28593 and if i take it after 21 it is 50,000?..also whether each yr the interest change?the interest is calculated on the matured amount of the previous yr right?..
Hi Sheba,
Yes, the interest rate will be revised every financial year on April 1. You need to deposit money for 14 years and you can withdraw after 21 years or when the girl child gets married, whichever is earlier. You can withdraw 50% of the balance as the girl child attains 18 years of age. If you deposit Rs. 1,000 every year on April 1, it would be approximately Rs. 52,605 after 21 years.
Sir I wanna open this account. I want to know that if I get it open on yearly investment of rs.12000 and after some years before my baby completes 10 can I increase the investment amount in the same account? Or open a different account in the same plan with increased investment amount?
Hi Monikaa,
You can increase the amount whenever you want.
Sir, I also want one clarification abt the scheme. Whether govt. Employees (state/central/banks) can open the account?
Hi Pradeep,
Yes, govt. employees can get this account opened for their daughters.
Sir, can I withdraw from this A/c or it will be in lockin period of 21 years.
Hi Prakash,
You can withdraw 50% of the balance as the girl child attains 18 years of age. The account will get matured after 21 years or when your daughter gets married, whichever is earlier.
Hi sir
meri beti ki birth date 21 Feb 2009 hai agar main sukanya samridhi scheme me 1,50000 rs yearly deposit krti hu to Iska benefit kya hoga
Hi Jyoti,
Please check the table above, maturity amount as per the table is approximately Rs. 78,90,762. Ye amount aapko 21 saal baad milega, agar interest rate 9.1% rehta hai.
ntpc bonus debenture issue please let me know how I can apply & weather I have to be a share holder of this company &weather I am eligible to get debenture if I purchase only 1 share today
Record date is March 23. You need to have its shares in the demat account on or before this date to be eligible for these debentures.
Can I gate a agency for work with this ssy.
You need to contact post office for that.
I have 2 daughters and opened 2 SSA accounts. Please let me know if i can deposit 1.5 lacs (yearly deposit) per child or limit is overall 1.5 lacs.
Hi,
As per the wordings of the Circular – “the total money deposited in an account on a single occasion or on multiple occasions shall not exceed one lakh fifty thousand rupees in a financial year”. So, I think one can contribute a total of Rs. 3 lakh in two accounts. We will get further clarity on this in a few days time.
Thank you Sir.Please keep me informed if you get further clarity on this.
Sure, I’ll inform you.
hello sir,
i would suggest you to please add one more assumptions in your table i.e. you open the ssy a/c in the daughters birth year.
and a diclamer:
maturity amount will wary according to your dauhters age.
Hi Samkit,
Both your suggestions are welcome, but both of these are not required to be added here. Girl child’s age does not matter and also, it is not necessary to open this account in the birth year of the girl child.
Hello Sir,
Is there any time period given by GOV. to apply for this sukanya scheme or any suggestion from your side to enroll with this scheme. i.e. any financial year onwards we can use or engage with this scheme.
Regards,
SEEMA
Hi Seema,
There is no time period for this scheme. It will remain open throughout this year and in future as well.
OK, THANKS !
You are welcome!
sir please tell me how you calculate the 14 years amount and 21 years amount.
sir please tell me how you calculate the 14 years amount and 21 years amount.
I’ve calculated it in excel, which I cannot show to you here.
Sir mai agar a/c open karane ke baad agar parent expire ho jaye yaa beti hi expire ho jaye to in paiso ka kya hoga plz tell me
Agar beti ko kuch hota hai, to balance aapko mil jaayega. Agar Aapko kuch hota hai, to balance beti ko mil jaayega.
Dear Sir,
My daughter is new born. and if i invest in this scheme now. and this scheme is about 14 years. and the maturity will claim after 21 years. toh 14 years k baad account kaise rahega. active ya regular chalta rahega.
Regular chalta rahega till maturity i.e. 21 years or till your daughter gets married.
my daughter is born on December 2007 how much i should pay and how many terms how much i will receive after maturity
You need to deposit a minimum of Rs. 1,000 & maximum Rs. 1,50,000 for 14 years. After 21 years, you’ll get the maturity amount depending on your contribution & rate of interest.
What are the document needed to open this a/c.
You need birth certificate of the girl child, along with the identity proof, residence proof & 2 photographs of the guardian, to open an account under this scheme.
Sir Sukanya ki detal post office me koi nahi bata pa raha ha plz help
Vikasji, jahaan account khulna hai wo hi help nahin karenge, to aap bataiye hum kaise help karenge?
Meri batie 2-8-2013 ko hui ha mena 12-3-15 ko acount khol diya ha plz sir muja kab tak ja karna ha .monthlai ya yerli plz uski michyourti kini hogi
Aapko saal mein ek baar deposit karna zaroori hai, monthly zaroori nahin hai. Minimum Rs. 1,000 aur maximum Rs. 1,50,000 jama karwa sakte hain. 14 saal tak jama karana hoga aur 21 saal baad paisa milega interest ke saath mil jaayega. Jab bhi aapki beti ki shaadi hoti hai, to aapko saara paisa mil jaayega.
Dear sir, here any guarantee for maturity amount if i will deposit every year rs.1,50,000/. if yes tell me how much minimum.
It is a government of India scheme, so it is guaranteed. But, I cannot calculate what minimum amount you’ll get on maturity.
Sir,
My doughter DOB is 27/05/2007,every month I want to invest
1000rs. I will do marriage for my daughter at the age of 22 year
(2029). So kindly tell me how much amount I will get at 2029,which
Is 15 the year from stating .
Regards,
Vijaya kumar
It will vary as per the rate of interest & time of deposit.
First of all, thanks for sharing the details. My question is suppose I start this scheme with depositing 15ooo per annum. Now, is it mandatory to keep the amount constant OR depending on financial postion, I might increase/decrease the amount. Hope to hear from you.
Thanks Somnath,
It is not mandatory to deposit a constant amount every year, you can deposit whatever amount you like as per your comfort, subject to a minimum of Rs. 1,000.
Sir.
Meri beti 8 sall ki hai .1000 se act open kar ke usme jyada amoun v dal skta hu.18 hone ke bad mai usme se kitna amnount nikal skta hu.
Yes, aap is account mein Rs. 1,000 se zyaada amount bhi daal sakte ho. 18 saal complete hone pe 50% balance aap withdraw kar sakte ho.
Dear sir,
Thanks for ur co-operation.
Sir my doubt is , my daughter 8months old now, i will contribute the amount till14 years after that my duaghter gets married in the 19years old then we eligible to get the matured amount in 19years?
Yes, you’ll get the maturity amount as & when your daughter gets married.
Sir agar me 1000 par year jama karunga toh meri 14 year baad kitni mechurety banegi plz rply
Maturity 21 saal baad hogi, 14 saal baad nahin.
Sir,my daugher has completed 9 years .if i deposit 2000 per month how much amt i’ ll get on maturity i.e.21years and tell me how many years i have to pay( till 14th year of my daughter’s age or 14 year of now)
Wat is the ratio% of getting income tax rebate on this scheme
You need to deposit money for 14 years from now and not till 14th year of your daughter’s age. You’ll get rebate u/s 80C as per the tax slab you are in. Please check the table above for the maturity amount after 21 years.
Hi sir mein poochna chahti hun ki…interest ke percentage ki minimum aur maximum limit kya hai?
There are no such caps on interest rate.
What are the document needed to open the a/c
You need birth certificate of the girl child, along with the identity proof, residence proof and 2 photographs of the guardian, to open an account under this scheme.
Hello Shiv,
The previous comments are very helpful, I have a question, My daughter age is 5years now. I want to take this ssy account with 50,000 deposit per month. I will do marriage for my daughter at the age of 20 year, so here i want to take the amount at the age of 20 years means after 15 years, so how much amount i will get after 15 years?
Hi Prasad,
Firstly, Rs. 50,000 per month is not allowed, you can deposit a maximum of Rs. 1,50,000 in a financial year. Moreover, the maturity amount will depend on the deposit amount, rate of interest and the timing of your deposit.
i had one quires about how much should be paid per month to my daughter can i open an account now for her, she is just 1 year child .
what will be fixed installment monthly/yearly & amount will have to deposit up to how many year.
There is no fixed amount you need to deposit. However, you need to make deposits for 14 years.
SSA AGAR MAI 14/03/2015 KO KHULWATA HU TO MERA INTREST KAB JUDEGA 14/03/2016 ME AUR 1 MONTH ME 2 BAR DEPOSITE KAR SAKTE HAI AUR AGAR SSA POST OFFICE ME HAI TO MAI YE ACCOUNT IDBI BANK ME KAR SAKTA HU
1 month mein 2 baar paisa deposit kar sakte hain. Baad mein IDBI bank mein bhi migrate kar sakte hain. Interest calculation method abhi clear nahin hai, but mujhe lagta hai ye PPF ki tarah calculate hoga.
Hello Sir,
I want to know, how is this scheme better, if I invest 100000 in a recurring deposit every year for 14 years and stop depositing after that?
and also if I invest a particular amount in SSA for first few years and then onwards make no further investment, what will happen to the account in that case?
Hi Monika,
You need to deposit a minimum of Rs. 1,000 in a financial year. Not doing so will attract a penalty of Rs. 50 per year. This scheme is tax-free as against a recurring deposit.
Can any explain how the interest is calculated for every year. For Example – 12000 per year how the interest is 592? when its 9.1%
Hi sir
meri beti 6 year ki hai to kya mujhe beti ke 14 year hone tak amount deposit krna hoga ya regular 14 year amount deposit krna hoga jaise 2023 tak ya 2029 tak
Hi Jyoti,
Aapko 2029 tak amount deposit karna hoga.
Hi sir,
I just would like to know about all terms and conditions of this scheme. Request you to provide your valuable guidance.
With regards,
Jay
Hi Jay,
Please check this post, it has all the details – https://www.onemint.com/2015/03/03/sukanya-samriddhi-yojana-tax-free-small-savings-scheme-for-a-girl-child/
Res sir,
My daughter is 7 years old pls clear my confusion I have to deposit money next 14 years or till the age of 14 of my daughter…in sukanya suraksha scheme…
You need to deposit money for the next 14 years.
After complete the age of 21 years of my daughter can I withdraw full money from this scheme?
No, this scheme has nothing to do with the age of your girl child. You can withdraw the balance at the time of your daughter’s marriage or on completion of 21 years from the date of opening this account.
Sir
I want open ssy account on post office. Sir plz advice me supoues 1000/ rs deposit the amount if i want deposit next month 10000/ rs .sir i could deposit as above this amount next month .plz update guide me .
Thanks
VVirendra rana
Your query is not clear.
Hello Sir,
Meri daughter abhi 9 years ki h to mujhe kb tk jma krvana hoga. Me 50000/- rs. Yearly Jma kravata hu to jb vo 21 ki ho jaayegi tb use kitne pese mil jayenge.
Hi Onkar,
Aapko 14 saal tak minimum Rs. 1,000 jama karne honge. Aapko maturity amount aapki beti ki marriage pe milega ya is scheme ke 21 saal complete hone pe.
Sir my baby age is 15/5/2013.i want deposit 1000 per month upto 21yr.how much amout i got after 21yr .
You need to deposit for 14 years only in this scheme. Maturity amount after 21 years is given in the table above for various monthly/yearly contributions, please check.
Res sir,
At present this scheme is avilable in sbi or not… Pls clear me
As per the feedback we have received from the readers here, banks, including SBI, have not started accepting these deposits.
hi sir
meri beti 6 sal ki hai
mai har sal 2000 rs jama karta hu to
kitne rs jama karna hoga aur 21 sal ke bad
kitna milega
Hi Deepak,
Please table check keejiye, usmein maturity amount mentioned hai.
Ok sir thanks g
You are welcome!
Is the deposited amount tax free?
Yes, it is tax-free.
Good
The limit of tax free savings is 150,000.
Is the amount deposited in ssy consider in tax free savings I.e. in 150,000.
Yes, deposit in this scheme qualifies for tax deduction u/s 80C.
Is the maturity amount in this SSA scheme is tax free?
Yes, it is tax-free.
Hello sir
Sir I would like to know about the the process to withdraw the amount at the time of my daughters marriage.(the document I will require)
Hi Sandeep,
As of now, I have no idea about it. But, probably the marriage certificate or a declaration by the girl child or even an invitation card of the marriage would do.
hi sir,
meri beti abhi 1.6 Yrs ki hai uska birth orissa mai hua lejin hum kolkata mai rahte hai uska birth cerificate orissa ka hai to mai kya us certificate se kolkata mai a/c khol sakunga.aur uska identity proof kya du.pls mujhe mere mail id mai replu kijiye ga.
Hi,
Haan, aap Kolkata mein account khol sakte hain. Identity proof parents ka ya guardian ka dena hoga, beti ka nahin, beti ka sirf Birth Certificate dena hoga.
Sir
Keya ek month 1000 or next month 2000 and next month 500 ; es taraha sel me 10; ya 12 hajaar bala slab le sakte hai
Haan, kar sakte hain.
Hi sir
My girl is 6years old. I open a account with 5000 rupees per month. So please tell me how much I gain last.
Please check the table above for maturity value.
Merit beti ka d o b 25th jul 2004 hai agar 5000 monthly me deposits kiya to 2025 tak kitna maturity hoga
Jayantoji, please table check keejiye, usmein aapke contribution ke according maturity value mentioned hai.
Dear sir
is scheme me paisa dalena suru kar diya hai. Agar 14 saal se phele bacche k parents ki death ho jati hai tab kya hoga
Parents ki death ki situation mein aap request de kar balance paisa nikaal sakte hain aur account close kar sakte hain.
Parents ki death ki condition me scheme me kis tarah k sections hai
Ya is S S Y ke equalant koi lic plan hai
Parents ki death ki situation mein aap request de kar balance paisa nikaal sakte hain aur account close kar sakte hain. LIC plans aapko 5-7% return dete hain, koi LIC plan 9.1% guaranteed return nahin deta.
Sir
I want to say that if I open account with 1000rs per year and next year will I deposit more than previous installment (15000rs) and next year will I deposit less than (12000). Can it possible
Yes, you can do so.
Meri Beti abhi 8 mah ki hai kya mai es scheme me account khulwa sakti hu. eske liye form kaha se milega. kripya bataye ……..
Yes, aap account khulwa sakte hain.
meri beti ka date of birth 16 -08-2004 hai kya mai account khulwa sakta hu. kripya jankari dene ki kripa kare.
Yes, aap account khulwa sakte hain.
hi sir
if a girl born on 14feb 2004
then we can open d acct of this girl coz she cross 10 year age
1 year grace period has been given only for this year. You can get this account opened for girls born on or after December 2, 2003.
sir ,
if d amt of deposited r 6000 Rs per yearly for 14 year then how many amt r got d girl after completion of maturity date …
Hi Saagar,
Please check the table above for maturity value. It is approximately Rs. 3,15,630 as per the table.
Hello shiv
Jaise Aapne bAtaya Ki Kitane bhi baar account me money deposit kar sakte Hàí to phir kaise interest milege iss yojana me
Mean client kise bhi years me kitana bhi deposit kar sakta hai Kya kabhi yearly 10000/- to Kabhi 20000/- etc 1000/- se 150000/-ke beech me jo fund bAnega Uss par interest milege Aisa Kya
Pls shiv ji batate or clear kare
Hi Shobhit,
Iske interest calculation ka method abhi clear nahin hain, but most likely ye PPF ki tarah hi calculate hoga.
hi sir
thanks about it bt one thing i want to know that if a girl got death within 21 Yrs what will be after that ,amount will be withdran or not plz tell
In case of any unfortunate event with the girl child, the balance will be given to the parents/legal guardian.
Sir plz 1 More questions
Sir my daughter has birth certificate bt the address has mentioned with his maternal so is there any problem to open an account or it will do.
Address proof of the parents/legal guardian would be required. Girl child’s address proof is not required.
Plz let me know can I deposit money once in a year or we have to deposit every month ?
Thank u in advance .
You need to deposit money only once a year.
Thank u sir .
You are welcome!
Hello Sir,
Meri Doughter ka DOB 30/10/2003 (Years 11, Months 04 Days 18) hia. Kya mai Suknya Samridhi Yojna ke tahat Account Opening Kra sakta hu ? Please Repply me.
Hi Ayush,
Nahin, aap ye account nahin khulwa sakte.
Hello sir, sir meri beti dob 04.01.2006 hai. Aur 16.03.2015 ko main a/c open karta hu aur per year 100000 deposite karta hu to agar wo 21 year ki age main shadi karti hat matlab 2027 main to us time main kitna amount approx withdrawl kar sakta hu?
Aap apni beti ki shaadi ke time poora amount withdraw kar sakte hain.
Hello sir, meri beti ki dob 4.01.2006 hai.main agar aaj a/ c open karti hu aur per month 5000 deposite karti hu to uski shadi ke samay (2028) main a/c balance approx kya hoga. Aur us time main sara balance withdrawl kar sakti hu.aur agar sara balance nahi kar sakti to balance amount ka kitna % withdrawl kar sakti hu?
Hi Neetu,
Aap apni beti ki shaadi ke time saara balance withdraw kar sakte ho.
Maturity value ke liye upar pasted table check keejiye.
sir mere beti 27-12-14 ko hui hai to kya mai bhi sukanya samriddhi yojana se jur sakte hai
Yes, aap bhi ye account khulwa sakte hain.
Nice encouragement & expectation is highly solicited by me.
I have two girls and want to open account for each one. is 150,000 total limit of all accounts or each account. I mean to say can i add 150000 for each girls account i.e 3 lacs per annum.
As per the wordings of the Circular – “the total money deposited in an account on a single occasion or on multiple occasions shall not exceed one lakh fifty thousand rupees in a financial year”, I think you can deposit a total of Rs. 3 lakh in two accounts.
Source: http://www.indiapost.gov.in/dop/Pdf%5CCirculars%5Csukanya_samriddhi_SB_Order_2.pdf
So, I hope the government keeps it Rs. 1.5 lakh for each account and Rs. 3 lakhs for two accounts.
I would Like to know, whether scheme provide additional tax saving above the previous limit of 1.5 Lac. for Ex. if I am depositing Rs. 20,000/ per year, so can I avail 1.5 lac+ 20, 000 = 1.7 Lac as tax saving amount.
No, total exemption u/s 80C stays at Rs. 1.50 lakh. It is just that this scheme qualifies for 80C deduction.
Thank you Shiv..!
You are welcome!
i had one quires about how much should be paid per month to my daughter can i open an account now for her, she is just 1 year child .
Yes, you can get an account opened for her. Your other query is not clear to me.
my daughter her dob is 10-12-2005 can i open an account for her now in the post office
Yes, your daughter is eligible for this scheme. You can get an account opened for her.
hello shiv
i need to no 1 thing jab ye scheme metaured ho jayegi after 21 years
so iske jo returns hoge usme koi tax deductd hoha ya nahi?
Hi Vinod,
As this scheme stands tax-free now, there is no question of any tax getting deducted. So, no TDS would be applicable.
my baby birth 06.06.2007 per month 1000/= deposit after 21 year maturity value……..
Please check the table above, it should be approximately Rs. 6,25,305.
meri beti ki age 9 saal h or 1000 per month ke hisab se 14 saal tak m 168000 rs jama karwa dunga or beti us time 23 saal ki ho jayegi mujhe us time withdrawal karna h mujhe kitne rs. milenge plz tell me thanks
Hemrajji, aap is scheme se do baar paisa withdraw kar sakte ho, ek baar aapki beti ke 18 saal complete hone pe balance amount ka 50% aur doosri baar, uski shaadi ke time ya is scheme ke 21 saal complete hone par 100% balance. 21 saal ki calculation upar table mein di hui hai, please check.
yaar Mere mind main sirf ek question h agar main monthly 1000 rs add karta hu to mujhe 21 saal baad 607000 ke around fully amount milega ya usmain se bhi govt kuch % cut karege.
plz baatao
21 saal baad government kuch deduct nahin karegi.
Sir merit beti 1 saal ki h. Main agar abi 1000/- rs. Deposit karu n next months se 500/-rs. Per month deposit karu to chalega kya? N Usk naam se 2 accounts open kr sakti hu kya? Thnxs
Is scheme mein har mahine deposit karna zaroori nahin hai, saal mein ek baar paisa deposit karne se bhi chalega. Ek girl child ke naam se 2 accounts nahin khol sakte.
who can withdraw money at maturity as it is not clear ,daughter by herself or natural\legal guardien if he\she survives till that time as in form he is giving name as subscriber of this scheme for her daughter..please clear with rule position
The girl child will have the right to the balance amount as she completes 18 years of age and becomes major.
Res sir,
Pls clear my one confusion more.. Can I withdraws full money from this account after complete the age 21 years of my daughter ?
No, you cannot. You can withdraw the balance only if your daughter gets married on or before that.
who can receive money or can withdraw money after 18/21 years daughter hersely only or father too? pls clear with the rule position because in this part only so much ambiguity is there
The girl child will have the right to claim the balance amount after 21/18 years or whenever she gets married.
Res sir,
My daughter date of birth is 20-06-2008
How many years I have to deposit money in this scheme?
When I withdraw full money?
You need to deposit money for 14 years and you can withdraw money when your daughter gets married or when your account completes 21 years.
Res sir ,
How can I withdraw full money before her (my daughter ) marriage ?
Pls clear withdrawl procedure before her marriage ….
It is not possible to withdraw 100% balance before your daughter’s marriage or maturity date on completion of 21 years from the date of opening this account.
We can invest upto 14 years of age of the kid or upto 14 years from the date of opening of account???
Say, my kid is 5 years. If I start now, do I have to invest till 2029, or till she attains 14 years, i.e., till 2024?
You need to invest for 14 years from the date of opening this account. Age of the girl child has nothing to do with 14 years. So, you’ll have to contribute till 2029.
if I manage 1st year 1000Rs & next year I have sufficient money to deposit approx. 12000Rs. this condition is tolerable. please clear this confusion?
Yes, this is perfectly acceptable.
sir, i want to know that my daugher is 8and 1/2 years old, if i deposit rs -12000p.a the what maturity amt may she get at the age of 21 years(suppose getting marriiage)( 13 yrs of policy, secondly can i increase the amt in future
Yes, you can increase the amount in future. Your maturity amount will vary according to your contributions every year and the rate of interest in future years.
sir, i want to know that my daugher is 8and 1/2 years old, if i deposit rs -12000p.a the what maturity amt may she get at the age of 21 years(suppose getting marriiage)( 13 yrs of policy, secondly can i increase the amt in future
Yes, you can increase the amount in future. Your maturity amount will vary according to your contributions every year and the rate of interest in future years.
Res sir,
At the time of her marriage how can I withdraw full money from this account? Will withdrawl application submitt before bank manager or marriage card show to manager for withdrawl ? Pls clear it…
I am not sure about the government’s requirements in that case, but I think a declaration from the girl child would do.
Dear shiv kukreja ji,
My daughter age is 8 yrs and if I invest in march 2015.till how many years I have to pay the amount.
You’ll have to pay for 14 years or till your daughter gets married, whichever is earlier.
I have 6200 rd in post office for 120 months weather my investment will attract any tds or not
There is no TDS on recurring deposits in a post office till date.
sir, if the girl child gets married at the age of 30 yrs, then will it be possible to withdraw the amount then? and if she never gets married , then how will she claim the money?
You can withdraw the balance as & when the girl child gets married or on completion of 21 years from the date of opening this account, whichever is earlier.
SIr 1 question agar birth sartificat m galat naam he or beby 1 saal ki he to khata kholne m konsa naam likhege kya naam badal sakte he
Ye aapko post office/bank se pata karna padega.
Sir.
Kya meray bank account say automaticly har month is yojna may deposit hotay rahayngay ya har month mujhko bank jana padayga ?
Aapko is account mein har month deposit karna zaroori nahin hai, saal mein ek baar deposit karne se bhi chalega. Is account mein automatic transfer karne ki suvidha abhi nahin hai.
Sir,
Can we use this scheme for boy child
No, you cannot.
Rate of Interest (9.1%) is fixed for whole tenure or flexible ?
It is variable, not fixed.
My daughter date of birth is 16/09/2006, I deposit 12000/= P.A. How many amount get after maturity.
Please check the table above – it is approximately Rs. 6,31,261.
sir
if my daughter gets married before the maturity period can i continue or leave the amount till the completion of maturity period of 21 yrs
No, you will have to compulsorily close the account as your daughter gets married.
sir,
is there any other scheme like this for boy …
sir
is there any scheme like this for boy child…
No, there is no such scheme specifically for a boy child.
My daughter age 8 yrs. I deposit 14 yrs means till 2029 .but my daughter age in 2029 22 yrs.this is marrige age.can I withdrawl money
You can withdraw the balance and close the account whenever your daughter gets married after she attains 18 years of age.
dear sir,
my child dob is 14.nov.2004 ..she is eligible to open an account?
Hi Bhaskar,
Yes, your daughter is eligible.
Sir agar kisi ladki ki umar 10 Sal hai To after 14sal he will get marriege at The age of 24 Yrs In that condition u told that parents have to pay only 14 Yrs nd rest 7 Yrs will be paid by govr. Us condition me jo parents pay krenge wahi milega n govt ke taraf se kuch to nahi milega.
Akhileshji, jab aapki beti ki shaadi hogi, aapko ye account close kar ke sara amount withdraw karna hoga.
Sir . My daughter’s DoB is 6/11/2005 . I have opened the SSA acount yesterday i.e., 19 jul 2015 .. The account needs to be operated by me for 14 years … Means she would be 24 years … After that (1) what percent will the govt contribute (2) if she gets married by 24 -25 years , as per norms , the account needs to be closed … will the amount to be withdrawn contain the government contribution… or will the interest added amt will b the maturity amount …. 3. If we let it continue till 21 years is that possible
Sir, my daughter age 8 mmonths, I didn’t apply birth certificate, its compulsory for open SSY.
Yes, it seems it is compulsory. No other option has been mentioned in the Circular in its absence.
Hi,
Thanks for the above information’s, I do have few clarifications, kindly help me in the same.
1. My daughter is 7yrs 11 months ,( say 8yrs ) if i start with 2000/- monthly, for next 14yrs ( she would attain 22yrs ), i would have contributed 336000/-, if she gets married in the age of 25yrs what is the amt i get ? is it 679749 ? or with interest of additional 3 yrs ( 22yrs – 25yrs ) ? can you pls give one example of the calculation so that i can calculate if their is a variation in my monthly investment.
2. Do we have to show a proof of marriage to withdraw the money after the completion of 14yrs or they release the money only after the marriage?
3. If any unexpected incident occurs for the Depositor within 14yrs, do the money which is invested is returned back or with interest ?
3. Can i combine monthly & yearly deposit ? eg- first yr i just pay 10000/- as one shot, and the next yr monthly small amts ?
4. Can we wait till 21yrs to withdraw the maturity amt even after my daughter gets married during the 17th yr ( her age would be 25 then ) ?
Thanks …. Jonsie
Thanks Jonsie,
1. Interest for 3 years would also be added to your approximate calculation of Rs. 6,79,749. So, with 9.1% annual interest, it would be approx. Rs. 8,82,719. What kind of example you need?
2. The money will only be released as the girl child gets married. Though the government has not clarified about the proof for marriage in case of withdrawal as the girl child gets married, I think a declaration from the girl child would also do.
3. The money will be returned back with interest.
4. No, you will have to compulsorily withdraw the amount and close the account as & when your daughter gets married. You cannot keep the account open beyond your daughter’s marriage.
Thanks for the clarifications Mr.Shiv,
I just wanted to know the calculation step. If you could pls….
Regards… Jonsie
It is a simple calculation in excel, nothing extraordinary I think. There is no variation with what you had calculated and with that amount the interest for 3 years is added.
Hi Sir,
A quick query.In case I pay money monthly or yearly at the end of 21 years i observe as per the above chart returns are almost same.Just trying to understand how because I was thinking If I pay monthly return at end of 21 years should be atleast 20-25% less than we pay premims yearly.Can you help me understand more how is the premium calculated.
Hi Ram,
I don’t know how you are calculating it, but I think you are calculating it with monthly payments made at the end of the month. Calculate it by making it beginning of the month and if you still find a discrepancy, please let me know.
What happens if the government changes, will this yojana still be applicable?
I don’t think any government would like to stop a good scheme like this. They would not like to face public ire by making adverse changes to any scheme. Even the current government has not stopped a poorly drafted scheme called Rajiv Gandhi Equity Savings Scheme (RGESS). So, be positive, go ahead with this scheme and enjoy the benefits.
The interest rate for current year is 9.1%. What happens if the interest rates fall in the upcoming year that is to say 7.2 or even low due to high sales of this policy in the market or some other reason ? How will the calculation being done at this time for say if I invest 15,000 pa for year (2015-16) sn the intrest rate is 9.1% and in the year (2016-17) if the interest rate falls (for eg. 8.4 %) so how this be calculated for year (2016-17). Please advise.
It is natural that we’ll have to base our calculations based on the revised interest rate set by the government every year. If the government decides to change its interest rate from April 1, 2015 itself, then we’ll have to change our calculations as well and the maturity amount will then differ from the amounts given in the tables above.
1000 rs ka monthly plan le rahe hai to 14 year bad aur 21 year bad kitna milega total kitna milega
Please check the table above, calculated maturity amount hai tables mein.
sir i mean suppose i have girl child with 10 yrs old after 14 yrs he will be 24yrs old he will be eligible for getting marriege in that situation i will have to withdrawl amount from bank. so there is no government interest will be added bcoz u told that in 21 yrs i have to pay 14 yrs and rest 7 yrs will be paid by govt . but i will withdrawl within 14 yrs.
Government will not deposit any amount in your account for the rest of 7 years. The balance amount after 14 years will earn interest for these 7 years.
it will be more profit for those girl who is less than 5 yrs am i right shiv sir
No, I don’t think age of the girl child makes any difference. It is the time period, timing of the deposit and the rate of interest which will make a difference.
sir,
Please clear my doubt
My daughter dob is 17-06-2008, if i open ssa in her name in 2015 for Rs 1.50 lakhs yearly then the completion of 14 years of account opening and her marriage age(21) will occur in the same year. When and how much i get the maturity amount?. Thanks
Hi Devak,
This scheme is for 21 years from the date of opening this account (and not till a girl child attains 21 years of age). But, when the girl child gets married, she will have to withdraw the balance and close the account. So, if your daughter gets married at the age of 21 years, only then you can withdraw the balance which would be approximately Rs. 42,88,898 at the end of 14 years from now.
Monthly deposit karne aur yearly deposit karne me kaun sa benefit rahega
Jo aap jaldi se jaldi start kar denge, usmein zyaada benefit hoga. I mean agar aap April mein yearly deposit kar denge to aapko zyaada interest milega as compared to monthly deposit.
sir…if the girl child never gets married , then how will she claim the money ?
Hi Pallavi,
In that case, 21 years is the upper limit. This account will get matured after 21 years whether the girl gets married or not.
21 years is from the date of opening this account and not the girl’s age.
In the booklet/ pamphlet issued by Head post office Guna (MP) it is written that account can be closed at the end of the completition of the 21 yrs girl’s age. and also I have clarified online talking in the live program “Your Money” on CNBC AWAAJ the expert has clarified that maturity is 21 years of the girl’s age. Mr Kukreja You can clarify from head post office Guna 07542 -255212, 9406914114 With your opinion people are getting confused. So it is better you confirm before advise anybody
Hi Rajesh,
Please check this link – http://rbidocs.rbi.org.in/rdocs/content/pdfs/494SSAC110315_A2.pdf
The link is of the passbook specimen, issued by the RBI. If you read point no. 10 under its salient features, it is mentioned – “The account shall mature on completion of 21 years from the date of opening of account”. So, I think I need not clarify with anybody as of now. If what you are saying gets clarified by the government itself, I’ll update it here with a post.
sir, if the girl child never gets married ,
then how will she claim the money?
My daughter date of birth is 15/03/2014, I deposit 12000/= P.A. How many amount get interest per annual
It is 9.10% annual interest. So, if you deposit Rs. 12,000 on April 1, 2015, interest amount will be Rs. 1,092 on March 31, 2016.
Sir, interest calculation finennencial year keep last main hoga kind after 1year
Yes, interest calculation financial year ke end mein hoga.
Sir
Can i transfer money through netbanking i the account has been opened in the same nationalized bank as of my account from which i want to transfer
res sir ,
my daughter is 2 years old ..can i open an account ..and what will be the maturity amount if i pay 1000 per year ..
i have one more query my niece is 9years old if her parents open an account for about 1.5 lakh per year what is the maturity amount ..and if they marry her at the age of 19 can they withdraw the amount or have to wait till she gets 21..please help
Hi Nitish,
Yes, your daughter is eligible for this account. For maturity amount, please check the table above.
Your niece can withdraw the whole balance if she gets married at 19.
Sir,
Suppose Me 15dt ko account khola monthly scheme me or meri agli installment dt kab hogi Sir,
agli kisti dene me late ho gayi to fine hogi kya or hogi to kitni hogi Sir.
Hi,
This is not a monthly deposit scheme. Aapko saal mein ek baar deposit karna zaroori hai, monthly nahin.
Sir, I have gone through the scheme. You’ve mentioned that the amount can be withdrawn on the maturity after 21st year, or on the girl’s marriage, whichever is earlier.
Whereas I have read that half the amount can be withdrawn before the 21st year.
Hi Milind,
50% of the balance can be withdrawn as the girl child attains 18 years of age. Please check this post, it has all the details – https://www.onemint.com/2015/03/03/sukanya-samriddhi-yojana-tax-free-small-savings-scheme-for-a-girl-child/
Dear sir,
A news published in Facebook about Kanya Samridhi Yojana that a girl child between 0 to 10 yrs can deposit 1st time 1 thousand and then 100 per month upto 21 yrs , after 21 yrs its maturity value will be 650000 this news true or false please clarify about this Yojana.
Hi Dilip,
It is a misguiding news, ignore it. Please check this post for all the details about this scheme – https://www.onemint.com/2015/03/03/sukanya-samriddhi-yojana-tax-free-small-savings-scheme-for-a-girl-child/
Dear sir,
My sister date of birth is 2/1/2000 can i start this scheme pls explain.
No, your sister is not eligible for this scheme.
Red Sir,
My nephew is mentally retarded, so if we want to withdraw money in between for any treatment, can we do.
Hi Nashrah,
Under special circumstances, like death or medical support in life-threatening diseases etc., you can make a request to prematurely close the account and withdraw the amount.
agar ladki 9year ki h to use kitne saal kist bharni padegi or last me kitne amount milega
14 saal paisa deposit karna hoga. Maturity amount aapke deposit amount pe depend karega.
Dear sir,
Can we take maturity value after girl child marriage. ??
Hi Puneet,
Yes, you can withdraw the whole balance as & when the girl child gets married.
Thank you so much for giving complete information related to Sukanya Samriddhi Account.
Great work Sir. No need to find anything else, anyone visit your blog. He will get the complete information about Sukanya Samriddhi Account definitely. Thank you so much for this great work.
hi,
please tell me that can I deposit different amounts of money in different months (or years) in SSA?
Hi Swapnil,
Yes, you can do so.
Kya main Central Bank of India me yeh account shuru kar sakti hu kya ???
Yes, you can do so. Updated list of banks is there on this post – https://www.onemint.com/2015/03/16/sukanya-samriddhi-yojana-updated-list-of-authorised-banks-to-open-an-account-specimen-application-form-passbook/
Sir wat b the return amount after completion of ths policys if v ll deposit 25000 per year
Please check the table above, it is Rs. 13,15,127 as per the table.
Sir my daughter age is 4yrs I will pay 4000 per month , my daughter gets 25 age I mean maturity period is 21yrs till that time if my daughter is not married I will get full amount or not with that money only I should do marriage to my daughter.
Srujanji, aapki query clear nahin hai.
sir,
what is the best time for opening sukanya acnt now as early as posible or april 1st 2015 as of now ican pay less amount only after 6 months i can pay more next
it is good to open in bank or post office next
we can earn more interest on depositing 1.50 lac on april 1st every year or by monthly instalment but how can both be same
1. I think you should wait for next financial year’s interest rate to get announced. If it is between 8.7% and 9.1%, then you should go ahead and invest in this scheme. If it falls below PPF’s rate, then you should invest in PPF.
2. It is better to open this account in a bank which provides the facility of online transfer, like Axis Bank, ICICI Bank, SBI etc.
3. You’ll earn more interest by depositing Rs. 1.5 lakh on April 1st every year as compared to monthly deposits.
sair,
I want, I open a account my daughter age 9 yer’s 2015 ,but if I died on 2019. when my daughter withdraw deposit amount. or continue the policy run by daughter?
Hi Supriya,
Yes, it is possible for your daughter to continue this scheme in your absence. She can pay on her own and keep this account active till maturity ore till her marriage (Aapki beti aapki absence mein ye account chala sakti hai. Aapki beti khud bhi paise jama kar sakti hai).
Plz describ tha yearly contribution scheam,that I select 8000 rs. Contributions and I deposit 1000rs.
Than I can deposit remaing amount 7000 in installment in a year plz clear my queri.
Yes, you can do so. Yearly contribution can also vary depending on your financial condition.
Sir,
My question is that in Sukanya-samriddhi-yojana scheme , in the 1st year if i deposit Rs 50,000 per month in 2nd year on wards can i deposit more or less the 1st year deposit amount.
can i deposit like this scheme 1st year Rs 50,000
2nd year Rs 20,000
3rd year Rs 40,000
Please clarify my doubts.
Thanking You
Nigam Adhikari
Yes, you can very well do that.
Sir,
I would like to be know that, Please confirm In Sukanya Yojana interest rate 9.1% only for first financial year or tenure of hole 21 years. if not for hole tenure of 21 years then Maturity calculate according changing interest rate on every year.
Please reply best of knowledge.
Thanks,
Rajesh Panda
9.1% interest rate is only for this FY. It will be changed every year.
If the deposits are made for, say five years, and then for some reasons no deposits are made, can the money paid to date be withdrawn (1) prematurely (2) at the end of 21 year term? Will the interest on the deposited money continue to be accrued till the time it is withdrawn?
Hi,
Firstly, you can withdraw the balance only on completion of 21 years from the date of opening this account or whenever your daughter gets married, whichever is earlier. In some special circumstances, the balance can be withdrawn prematurely. Moreover, the interest will get accrued till the time it is withdrawn.
Sir,
Thank you for sharing such information. If you could help me with the following query:
I have two daughters.
If I open two accounts, what is the maximum limit I can deposit?
Is it 1.5×2, i.e. 3 lacs or is it still 1.5 lacs.
I have not been able to get a proper reply on this query. Would appreciate if you can help.
Regards,
Swarup
Thanks for your kind words!
As per the Government Notification – “the total money deposited in an account on a single occasion or on multiple occasions shall not exceed one lakh fifty thousand rupees in a financial year”.
Source: http://www.indiapost.gov.in/dop/Pdf%5CCirculars%5Csukanya_samriddhi_SB_Order_2.pdf
So, I think it is Rs. 3 lakh for two girl children.
Res sir,
Pls confirm me, at present is this scheme avilable in sbi branches ?
Hi Chandan,
SBI will be servicing this scheme. But, I don’t know from when.
Dear Shiv khureja,
I have posted my query in your site. Please read and explain according my comment.
Thanks
Rajesh Panda
What is your query Mr. Rajesh?
sir
Is it possible for NRI to open this account for their daughters and is the matured value tax free. my daughter is 2 year old now if i invest 150000 how much she will get on maturity at the age of 21
Thank you
smitha
Hi Smitha,
It is still not clear whether NRIs would be eligible for this scheme or not. You’ll have to wait for more clarity on this.
what is the total maturity after investment ?whether the investment amoun is fixed or varying ?
Investment amount is variable as per your desire. Maturity amount will depend on your investment amount, month of deposit and the rate of interest (9.1% is not for the whole tenure).
Sir, after my elder brother’s death I married with her wife. Am I legal guardian of his daughter in this scheme? If yes, what are requirements (papers or something else).
Sir,
My Daughter”s Birth day.26/08/2002.May I open this sukanya samridhhi yojana.Please guide me. Thank you.
No, your daughter is not eligible.
Hi Shiv,
US citizens (PIO) are eligible to open PPF and SSY accounts?
Hi Ravi,
It is still not clear, you’ll have to wait for further clarity.
Sir, after my elder brother’s death I married with his wife. Am I legal guardian of his daughter in this scheme? If yes, what are requirements (papers or something else)?
Yes, you are a legal guardian for the girl child. You need to contact the post office/bank for the documentation.
respected kukreja sahab mera prashna hai ki kya government bhi suknya samridhi account me contribute karegi .one person told me govt.will contribute 12000/- per year in each year for 14 year.
Nahin Arunishji, Government is scheme mein contribute nahin karegi. Ye account PPF ki tarah hi operate hoga.
sir if rate of inttt will vary this not risky because locking period is too long. gov may have many excues for reducing rate. or is there will some specific measurement or condition for reducing or increaing intt rate
Hi Vijay,
There is a mechanism as per which the interest rates are set for the small savings schemes. So, I would not blame the government for reducing interest rates for all these schemes. I think the rates are already on a higher side for all these schemes and the government should not keep rates so high which creates an imbalance for the interest rates in the market.
Can an NRI (Indian Citizen) open Sukanya Samriddhi Account.
It is still not clear whether NRIs would be eligible for this scheme or not. You’ll have to wait for further clarity on this.
Hi Shiv, do we have any table or calculator wherein we can calculate returns as per the age of child.
Hi Harinder,
No, we don’t have it here.
SIR
ISME CALCULATE KE HISAB SE LIKHA HAI KI 1000/MONTH KAREGE TO 631000 MILEGE TO ISME 14 SAL TAK HI JAMA KARANA PDEGA YA FIR 21SAL TAK JAMA KARNA PADEGA PLASE REPLY
14 saal tak hi jama karna hai.
2004 date of breath aaj open karte ha to 21 years ho ne par mauchaurti valu Kay hoga so list batao
Maturity amount aapke contribution & rate of interest pe depend karega.
If I will open an account at the 5 years of my daughter’s age(this year),and if I invest rs 2400 annually,then how much I will get and when???
You will get the maturity amount after 21 years from today or when your daughter gets married, whichever is earlier. But, it will depend on the rate of interest which will be announced every year in March and also the timing of your contribution.
Dear sir
Meri bati ka birth 29 november 2014 h
Kaya ye yogna meri beti ke liye eligible h .isme monthly plan le ya yearly kese diposit kar sakte h monthly ya yearly kon sa better h
Hi Vikas,
Aapki beti is scheme ke liye eligible hai. Is scheme mein yearly minimum Rs. 1,000 dalna zaroori hai. Saal ke shuru mein deposit karna zyaada beneficial hai.
Dear sir
sukanya scheeme ke liye post office ya bank me se kon sa better raheg aur sbi aur pnb me scheem account open challo h kya h aur monthly plan aur yearly plan me kon sa better h
Thanks
Hi, as per the scheme it matures at 21 years of a girl child or her marriage whichever is earlier. If a girl don’t marry at 21 but Marries at 25years we will still get money at 21 years of age
No, this account matures on completion of 21 years from the date of opening this account (and not on the girl child attaining 21 years of age). So, in your case, you will get the maturity amount when the girl child marries at 25 years of age or 21 years from the date of opening this account, whichever is earlier.
Dear Sir,
In this year (2015) my daughter age 7 years , I will be doposited 12000 per year , when my daughter age 21 years , suppose after 14 years or marriage time, how much matuarity amount will be received .
pl support..
Thanks.
Arun Kr. Dhika
9899924925
Faridabad (HR)
Please check the table above, it is Rs. 3,43,112 as per your annual contribution of Rs. 12,000.
hi sir meri beti ki umra 4year hai. mai 2000 per month jama karana chahata hu.to meturiti par kitana melega.
Hi Dileep,
Post mein jo table hai, please usey check keejiye. Table ke anusaar aapko maturity pe Rs. 12,50,609 milenge.
Sir. Meri beti Ki age 9 year 5 month hai aur mai 50 per year invest karna hai aur uski age 21 ho jayegi to how much matuarity amount will be recived
Aapko har saal minimum Rs. 1,000 jama karna zaroori hai. Rs. 50 per year is not acceptable.
Sir, I need sample – filled application form…
Please check this post – https://www.onemint.com/2015/03/12/sukanya-samriddhi-yojana-sample-filled-application-form/
Dear Shiv Kukreja,
Thanks for all the information. My daughter’s date of birth is 27.10.2008. Please tell me where it would be beneficial to open the account in Post office or Bank (Public or Private) . And also tell me what is the best time to invest , mean which month.
Thanks Rupesh for your kind words!
I think it is better to open this account in a bank as you’ll get online transfer facility in banks. Moreover, with a bank, you can deposit money in any of the branches in India. Also, the sooner you deposit money in this account, the more interest you’ll earn.
Dear sir
sukanya scheeme ke liye post office ya bank me se kon sa better raheg aur sbi aur pnb me scheem account open challo h kya h aur monthly plan aur yearly plan me kon sa better h
Thanks
Hi Vikas,
I think bank mein account kholna better option hai. Also, is scheme mein koi monthly option nahin hai, saal mein sirf ek baar paisa deposit karna zaroori hai.
Dear Sir,
Mara daughter ka age 5years, mai 01/04/2015 sa SSY scheme open karna chahata hu Rs 12,000/ per year. Mai 21 sal ka bad he maturati Lunga. Hamko kitna sal rupeya dalna paraga?(14/21sal???)
Hi Manoj,
Aapko 14 saal paisa deposit karna hoga.
sir my baby completed 10 yrs in Jan… I just want to ask can I open dis a.c I mean it will valid or not?
Hi Jolly,
Yes, your daughter is eligible for this scheme as she is born after December 2, 2003.
Sir agar meri beti ka umar 1-4-2015 ko 2 year hai aur mai 14 year tak 150000 jama kar deta hun lekin agar uski marriage uski date of birth ke anusar 18 year par karna hai to kitna rupya mil sakta hai milega or nahi ye bhi bataye
Aapko maturity amount aapki beti ki shaadi ke time mil jaayega. Kitna milega ye aapke contribution aur rate of interest pe depend karega.
Sir
Meri beti ki age 9 year 5 month hai aur mai
36000per year invest karna hai aur uski age 21 year ki ho jaygi to how much maturity amount will be recived
V . V. Rai
Ye scheme 21 saal ki hai, beti ki age 21 saal hone pe ye scheme mature nahin hogi.
sir agar me 3000 p/m paid karta ho to mughay Kab tak kitna paid karna parayga … aur milayga kitna… thanks
sir 3000 par month paid karo to mughay kitna paid karna hoga aur maturity par kitna milaga
sir 2000 par month paid karo t
o mughay kitna paid karna hoga aur maturity par kitna milaga
Please ye post check keejiye, ismein maturity values given hain – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Dear Sir,
In this year (2015) my daughterD.O.B 29/12/2007 age 7 years , I will be doposited 12000 per year , when my daughter age 21 years , suppose after 14 years or marriage time, how much matuarity amount will be received .
pl support..
Please check this post – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
As per the table, the amount is approximately Rs. 3,43,112.
Sir i want to know that after 21years total amount girl hi niklwa sakti hai ya only patents hi niklwa sakte h and girl ko after 21year ke baad identified kaise kerenge
Manishji,
Girl child is account ki owner hai, so maturity amount girl child ko hi milega.
Meri beti 9 sal ki hai 6000 rs sal me bharne ke bad 21 sal pure hone per kitne rs milenge
Vinodji, is post ko check keejiye – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Is post ki table ke according maturity amount Rs. 3,15,630 milega.
Sir I have two daughters one is 4 years old & second is 3 months old can I deposit one time payment 150000 . Is it best for my daughters
Yes Jasmeet, you can deposit Rs. 1,50,000 at one go. Moreover, you need to decide if this scheme fits best with your financial goals.
dear sir
mujhe is scheeme ke baare me poori jaankari
chahiye Hindi me or isse juda koi helpline no. thank you
Asharamji, hamein helpline no. ke baare mein koi jaankaari nahin hai. Hindi mein jaankaari ke liye is Circular ko check keejiye – http://www.indiapost.gov.in/dop/Pdf%5CCirculars%5Csukanya_samriddhi_SB_Order_2.pdf
sir , my daughter is 9 years old if i deposit premium for 14 years ,what will be the maturity period because by that time my daughter will be 23 years old please clarify
Date of Maturity would be 21 years from the date of opening this account or when the girl child gets married, whichever is earlier.
Sir my elder daughter’s born date 25-03-2004 can you tell me she is eligible for this scheme
Yes, she is eligible for this scheme.
Dear sir
My sister date of birth is 21/07/2000
Can I invest money in this scheme pls
Explain me.
Regard
Prabhakar tikhe
No, she is not eligible for this scheme.
i would like to deposit 1000 per month whenever i have more money can I add that amount for the monthly installment. My daughter age is 7 years old if i invest 1000 how much can i get.
Yes, you can do so.
Sir
Kya ye plan sabhi states me lagu h. Maine Bihar mr quirey kiua to kisi v post office me pta nahi lga .mai bakk me v gya per wo v is plan ke bate me kuch nhi bta paye.so please do nacessary advice.
Yes, ye scheme sabhi states mein shuru ho gayi hai.
Sir
My daugter DOB is 5 jul 2004 .can i open this sukyana yogana a/c no .and how many amt i deposite in first time.
Yes, your daughter is eligible for this scheme. You can deposit any amount up to Rs. 1.5 lakh.
Sir new paper m to aya tha ki 1000 per year diposit 14 year tak karne par 21year m 6 lack rs ayege
sir,agar kuch Saal ham Monthly 3000 jama karte hai Aur bad me monthly 1000 jama kiye to chalega kya
Hi Musa,
Bilkul chalega.
Sir My daughter DOB is 31/05/2005 kya me ye scheme apni beti ke leye joint kar shakta Hu.? What is the locking periods after 14 year of premium of this schemes.between my doughter’s marriage.Please telling about me.
Rajeshji, appki beti is scheme ke liye eligible hai. This scheme will mature at the time of your daughter’s marriage or 21 years from the account opening date, whichever is earlier.
Hi sir,
Samajo Maine saal main 1000 rupies bharake 14 saal main 14 hajar deposit kiye to as per 9.1 % interest muze around 21 saal ke bad around 50 ya 60 hajar milenge. Par what about value of that 50 or 60 thousands rupies after 20 years. It may be same as 14 thousands.
Hi Nilesh,
The government will try to keep the interest rate at 2-3% above inflation. So, keeping inflation and tax-free interest in mind, this scheme is still better than FDs or other taxable instruments. It is a known fact that the money loses its value with high inflation.
Hi Shiv,
Plz help me to understand,
1> how is this scheme better than investing in LICs n others…
2> can we open account in april 2015? as some say 31st is the last day for it in Post office ( as currently available in Post off only).
plz clarify…
Hi Vishal,
1. I don’t want to create a controversy by comparing LIC plans with this scheme. But, I can categorically say that any insurance plan is not good from investment perspective. It is better to have a term plan for insurance and equity/debt mutual funds/PPF/Tax-Free Bonds/Sukanya Samriddhi Scheme for your investments.
2. Yes, you can very well open this account next year. There is no last date as such for opening this account.
Dear Sir,
I have opened the SSY account (in Post Office) on 18-03-2015 with initial balance 1.5 Lacs. I will be depositing yearly 1.5 Lacs every March for 14 years. Below care my queries (Please Consider the interest 9.1%)
1) I deposited at the end of financial year 2014-15 so when shall I get the interest. Is it in March 2015 (for 14 Days-from 18-03-2015 to 31-03-2015) or in March 2016 (Full 12 months interest).
2) If I get interest in March 2015 then it will be only for 14 days (From 18-03-2015 to 31-03-2015) which means I lost the interest rate of another 351 days (11.5 moths) right?
2) Did I made a mistake by depositing early. Do you think that I should have deposited in April 2015 to get full interest benifit.
3) can you send me the calculation considering March deposit with 9.1% Interest
Thanks in advance
Hi Harsh,
1, 2 & 3. Interest will be cumulative & payable on maturity. Also, I think interest will be calculated as per the PPF rules.
Is there a TDS on maturity ammount?
As the interest income is tax-free, there is no question of any tax getting deducted.
Sir, my baby is 3 Montb old. How can i apply for this scheme. My job is transfer based. So can i continue this from different post offices.
Yes, you can open this account for your daughter. Also, you can transfer this account from one post office to any other post office or bank branch.
dear sir,
i have approched sbi branch but they are refusing to open the account and say they don’t have guidelines. please guide how to know which branches of which bank can open the account.
thank you .
We are also trying to get the list of bank branches where these accounts are getting opened. I’ll update these posts whenever I get to know about it.
VERY VALUABLE INFORMATION BY YOU SIR PLEASE SAY IF UNFORTUNATLY DAUGHTER AND PARENTS GET DIED THEN WHAT ABOUT MONEY COZ THER IS NO PROVISION FOR NOMMINEE
Thanks Santosh,
In case of a mishappening with the girl child as well as the parents, the legal heir(s) will get the balance amount.
Sir
Your suggestions are very helpful for us but I have a query
1. My daughter is now 7+ yrs old so I want 10 lacs at the time of her marriage at the age of 21 yrs of my daughter that means after 14 yrs.
So what amount should I have to invest annually.
I dont want any money after her marriage.
Plz help me or call me @07278937847.
Thank u in advance
Thanks Mr. Rajesh for your kind words!
Considering 9.1% rate of interest, you need to invest approximately Rs. 36,000 every year to get approx. Rs. 10 lakh after 14 years from now.
Dear sir my daughter is 9 month so can i invest.
sir pls call me 09899509826
Yes Mr. Durga Prasad, you can invest in this scheme.
hello sir,
i have a query, kindly help me to get out of it.
i have opened a account with the opening amount rs 5000/. Bt i want to contribute 2000/ per month. Can i deposit 2000 Per month from the next month?
5000/ Deposited for first month would be adjusted in the next installment?
Actually I want to spent 24000 yearly.
please do suggest me with some solution
pawan kumar
9911548285
Hi Pawan,
1. Yes, you can deposit Rs. 2,000 per month from the next month.
2. No, Rs. 5,000 deposited would not be adjusted for the next month.
3. This scheme is not a monthly deposit scheme. You can deposit as many as times as you want and whenever you want.
Sir
Maine ye scheme ko btayiye kind 1000/- JMA karane par 21yr mai kitni value ho jayegi .aur Maine pada kind premium surf 14 sal hi jama krne hain .please describe.
Bhuwanji, aapko 14 saal paisa deposit karna hai. Agar aap Rs. 1,000 har mahine jama karenge, to aapko 21 saal baad approx. Rs. 6,25,305 milenge. But, agar aap Rs. 1,000 saal mein ek baar jama karenge, to aapko 21 saal baad Rs. 52,605 milenge.
Sir suppose 1000 yearly k hisab se Muje 14 saal tk 14000 bhar ne hai aur 21 saal bad Muje 52000 k karib paise milenge kya
Yes Mukeshji, aapko 9.1% interest ke saath approximately Rs. 52,605 milenge.
sir maine apni beti ka sukanya yogna account 26.03.2015 ko khulvaya hai . to yah sahi hai ya muzhe 01.04.2015 ko khulvana chahiye tha
plz reply
Hi Jay, mujhe nahin lagta ki jaldi account khulwa ke aapne koi galti ki hai.
meri ek beti hai or mai chahta hu ki ek se adhik account khulwana chahta hu kiya ye possible hai
Nahin Arvindji, ye possible nahin hai.
sir,
1. If a child year is 7 years, she’s father opened a sukanya plan , then he gives how many rupees in 21 years?
2. If a child year is 1 year she’s father opened a Sukanya plan, then he give how much rupees in 21 years?
3. How much will get maturity value in both cases ?
and give details calculation about the year gape
Hi Jayanta,
1, 2 & 3. You need to deposit a minimum of Rs. 1,000 and a maximum of Rs. 1.5 lakh for 14 years. After 21 years when the account matures, the maturity amount will depend on your contribution and rate of interest.
This scheme gather’s the money. but it does not covers the life risk.If any incident occurs within the maturity period.
If you are providing this info, then thanks. But, if you have any query, then it is not clear to me.
Sir, I am staying in abroad along with my wife and our 1year old daughter. Can I open this account online?
No, online account opening facility is not there.
Sir ye yojna up state mai har jagah hai kya
Yes SRK, ye yojana U.P. mein har jagah lagoo hai.
sir
i have not understand calculated amount after 21 years.
suppose i open account invented per year 1000 so how many amount received after 21 years.
please send me calculater.
please help .
Calculated maturity amount is there in the table above, it is approx. Rs. 52,605 as per the table.
Dear sir, the amount which we are deposit in post office that is compulsory to pay every month or we can pay qutarly and yearly also..pls guide for the same.
Minimum one deposit in a year is required. If you want, you can deposit more as well. But, it is NOT compulsory to deposit it every month.
sir
I have three daughter what can I do
for investment because rules falow only to baby’s……
09452174553
You can open this account for 2 of your daughters.
sir kya es plan mey koe life recovers bhu hai.
agar koe parents apney baby key liye
Ye account open karat hai n after one
year parent r father is no more.
kya es conditions mey koe labh hammer baby ko hoga.
sir ples conform me.plese……
Ashokji, is scheme mein life insurance cover nahin hai. In case parents ko kuch ho jaata hai to girl child ko balance amount mil jaayega. Agar girl child chahe to is account ko continue rakh sakti hai.
Hi,
I have opened an account for my daughter in post office. Can I transfer this account from post office to the bank anytime .
Yes, you can migrate your account as soon as the authorised banks start opening these accounts and whenever you want after that.
dear sir i need one clarification re?arding claim sir.after maturity of 21 age ,what type of document that they need to provide our amount sir,will they need our signature as same as what we put on our opening time?sir
dear sir i need one clarification re?arding claim sir.after maturity of 21 age ,what type of document that they need to provide our amount sir,will they need our signature as same as what we put on our opening time?sir
There is no clarity regarding the same as of now. But, I think the girl child would be required to produce the same birth certificate on maturity with which the account is getting opened initially.
Sir
1. Police chalna tak agar mera kuc hogaya to rupees kisko melaga.nomame to koye neha rayata. 2 . 4/5 salbad agar or mai premium varna saku to keya hoga.
1. Aapki absence mein girl child is account ko continue bhi kar sakti hai aur close karke paise withdraw bhi kar sakti hai.
2. Minimum Rs. 1000 deposit karna zaroori hai, nahin to har saal Rs. 50 penalty lagegi.
sir maine 26.03.2015 ko account khulvaya hai. ab muzhe 20000/ rupye per year dalna hai to kya muzhe 20000 march main dalna hai ya april meain
Aap financial year mein kabhi bhi amount deposit kar sakte hain.
The date of birth of my daughter is 23.03.2007 and I want to open an account in SSY in April-2015 with an amount Rs5000- for every year at a time.What is the maximum year I have to deposit? What is the maturity value I get when my daughter will 21yrs old?
You need to deposit money for 14 years. For maturity values, please check the table above in the post.
Dear sir
I have a girl child whose age is 9 years I want to deposit Rs 300 per month please guide how msuch I will get maturity amount after 21 years
Sir meri beti ki dob 29/3/06 hai to mujhe kitne saal tak paisa jama karna hoga.
14 saal ya jab tak aapki beti ki marriage nahin hoti.
Dear Mr. Ramesh,
You’ll get approximately Rs. 187,591.40 after 21 years with monthly contribution of Rs. 300 and 9.1% rate of interest.
hi sir meri beti ka dob 18/03/2008 hai sir main agar 8000p/month deposit karu to muhje 18year aur 21 year me kya benifit milega sir please iska detail dijiye
Shambhuji, 18 saal ke baad aapki beti apni studies ke liye 50% paisa withdraw kar sakti hai aur shaadi ke time poora paisa. Is scheme rate of interest bhi tax-free hai.
well done..Mr.shiv…..such a great job boss….salute
Thanks Abhik for your kind words!
sir meri beti ka RD account he or mai kya sukanya mai ac khol sakta hu kya
Yes Sunil, agar aapki beti ki date of birth December 2, 2003 ya uske baad ki hai, to aap ye account khol sakte hain.
Sir what is the last date of submission this form? Is 31-03-2015 last date?
Hi Alok, there is no last date for this scheme, you can get this account opened beyond 31st March as well.
Sir
I had opened SSA account in post office.
Now any online money deposit facilities available ?
Hi Indrajit, there is no online transfer facility available as of now in the post offices. Some of the banks are expected to offer such facility.
Dear Sir,
I have 2 daughters, I am planning to invest 1.5 lacs each, my elder daughter is 9 yrs and the younger one is 4yrs. what will be the maturity amount for both and in which year it will matured.
Wrgds
Hi Sumit,
Maturity amount table is given in the tables above. If you get the accounts opened today, both these accounts will get matured after 21 years from now or as & when your respective daughters get married.
i am depositing 1.50 lakhs today ,my daughter is 10 years now,i dont want to deposit in between,please tell me my returns ?
Regards,
Suresh Hegde
It is difficult to calculate your returns in this manner. There are many variables involved in such calculations.
R/sir
Meri beti ki d.o.b 07/10/2007,
Sir kitne ? monthly deposit karne par min. 20 lkhs milenge.
Approximately Rs. 3,500.
sir account open ka date fix hai kya
Nahin Rakeshji, koi fix date nahin hai.
sir is ki last dade kab tak hai
sir is ke bare me koi janta hai to plz mujhe kuchh bataiye
vinod kumar singh
mobile no -9990441768
Nahin Vinodji, is scheme ki koi last date nahin hai. Aap agle saal bhi account open karwa sakte hain.
sir is youjna ki last date kab tak hai
kya ye post office me hi khule ga ya kisi bhi bank me
Vinodji, ye accounts kuch bank branches mein bhi khulenge.
Thanks Sir for sharing this valuable information.
I have two queries:
a) My daughter is 9 years old. Do I need to invest for the next 14 years or till my daughter’s marriage? and when will the account get matured.
b) The upper limit of Rs. 1.5 lacs is per child or total investment for 2 girl children.
Thanks
Sandeep
Thanks Sandeep,
1. You need to invest in this scheme for the next 14 years or till your daughter gets married, whichever is earlier. The scheme will get matured on completion of 21 years from the account opening date or when your daughter gets married, whichever is earlier.
2. As per the language of the circular, Rs. 1.5 lakh cap is for a single account. So, for two accounts, it is Rs. 3 lakh.
Meri beti ki DOB 17.09.2006 hai Rs 1000 pm bharne ke bad agar uski shadi 17.09.2026 me hoti hai to mujhe kitne Rs milenge ; 2026 me pure paise milenge kya.
2026 ka amount aapke deposit timing and rate of interest pe depend karega.
Dear Sir,
Thanks for posting valuable info on SSY. I have below queries, appreciate your response.
1. Can this account is eligible to open for PIO born girl? My daughter is 1 year old NRI-PIO.
2. Can partial amount is allowed to withdrawan for higher education, if not for marriage after 21 years?
Thanks
Thanks Venkat,
1. It is still not clear whether NRIs/PIO investors are allowed to get this account opened. You’ll have to wait for its clarification.
2. The girl child can withdraw 50% of her balance for her daughter’s higher education after 18 years.
My daughter is 9 yrs old.i want to deposite rs 1500/- per year.how much i get after maturity
With 9.1% rate of interest, it would be approximately Rs. 78,907.5 on maturity.
SSY ki last date kya hai….
Is scheme ki koi last date nahin hai.
Dear sir,
Meri beti ki DOB 19″10″2010 hai or wo abhi 5 year ki hai agar me had 3 mhine bad JMA krta hu to 2025 me mai I ski sadi krta hu to muje use wait kitna amount milega
Anilji,
10 saal baad aapki beti ki shaadi ke time milne wala amount aapke quarterly contribution ke timings aur rate of interest pe depend karega.
Dear Sir,
I am the elder one in my family and two little sisters. I just wants to know that can i open this account for my susters with my Id proofs, one sisters is 9 years old and the other one is 5 years old. When should i can register for this scheme.?… pls sir guide me .
I am very thankful to you.
sir yojana ki last date kab tak hai
my daughter age is 8 years i want to open account 1000 per month , when my daughter age 21 year can i get maturity
No, you can withdraw the balance when your daughter gets married or after 21 years from the account opening date, whichever is earlier.
Dear Sir,
I want to invest amount for my daughter but i have a quiry.
1.If i deposit Rs.15,000 in first annum & Next annum should be deposit 15,000 Or any of amount.
Sir, if I deposit 12000 in first year can deposit more less than 12000 in next year?
Yes Kiran, you can deposit any amount of your choice, subject to a minimum deposit of Rs. 1,000.
Meri beti ki dob 29/03/06 hai to mujhe kitne saal paisa jama karna hoga
14 years
Thanks Mr. Rajesh!
sir..????? ??? ? ??? ?? ?? March ??? ???? ??????? ??? ?? ???? 13 ??? ?? ???? ???? ???? ????! !
sir sunne me aa raha hai ki agar ham march mahine me Acount khulwate hai to keval 13 saal hi pesa dena hoga hame..kya yah sahi hai
Aapko 14 saal paise deposit karne honge.
This scheme seems to be a big hit. Everywhere I go people are praising this.
Now for financial year 2015-16 the interest rate for sukanya samridhi yojana is 9.2 %. Be happy.
Good scheme for girls
Now for financial year 2015-16 the interest rate for sukanya samridhi yojana is 9.2 %. Be happy.
Sir kya hum 12000 yearly scheme me 2sal kapisa ek hi baar jama kar sakta hu.or usaka intrest kitana milega
Aap ek saal mein Rs. 1.5 lakh tak amount deposit kar sakte hain.
This ssy skim is not at all worth…the amount get double after 21 year ,,,while in FD it get double in 10 years..
Mr. Samir
Now for financial year 2015-16 the interest rate for sukanya samridhi yojana is 9.2 %. Be happy.
This information of amount getting doubled in 21 years is incorrect. Firstly, you are not depositing money in one go and also, if you are depositing say Rs. 1.5 lakh for 14 years, you’ll get approx. 78-79 lakhs after 21 years.
This ssy skim is not at all worth…the amount get double after 21 year ,,,while in FD it get double in 10 years.. Pls share the same to or ministry’s so that …the lower middle class can get at least 3 times of what they invest
Sorry Mr. Samir, we do not have access to any Ministry, so we won’t be able to communicate your message.
Sir my daughter is 8 year’s old. I opened an account in March 2015. I will deposit 1000 per month. Kindly help me how much I will deposit and how much I will receive in how much time.
Hi Vandana,
You need to deposit your desired amount for 14 years, so you can calculate the deposited amount yourself. For maturity values, please check the tables above.
Dear Shiv Sir,
Thank You for the value able updates on the PM SSY scheme.
Sir I would like to have answer on one query. After all this mess regarding forms availability/time-frame is cleared up with the banks authorized to open public accounts under this scheme, after opening an account under this scheme with the authorized bank can one transfer funds online directly into this account from one’s saving bank account held with the same bank (though the branch may be different)?
Sir do you have any information on the same?
Thank & Regards
Rajan Sarpal
Thanks Rajan for your encouraging words!
Yes, you would be able to make online transfers from your bank account to this SSY account.
My daugter d.o.b.is 11-11-2005 if i deposite rs.100000.00 yearly from today (01-04-2015) then what is the maturity date and maturity amount plz help me
Maturity date would be 31.03.2036 or when your daughter gets married, whichever is earlier. Maturity amount would depend on the timing of your deposits and the applicable interest rate every year.
R/sir
My daughter d.o.b is 07/10/2007, Maine aaj hi (1/04/2015) SSY me ? 3500/ ka monthly account khulwaya h.
How much money I get at the time of maturity?
Hi Anuj,
Maturity amount will depend on several factors including the applicable rate of interest every year. Please check the indicative maturity values from the table above.
my doughter d.o.b. is 18-6-2014 if I deposite rs 150000 in 3 years what is maturity date and maturity amount
This scheme is for 21 years, you need to deposit money for 14 years. Maturity amount will depend on several factors, including the deposited amount, rate of interest and timing of your deposits.
My daughter d.o.b is 07/10/2007. Maine aaj hi (01/04/2015) account khulwaya h. Sir pls tell me, kis saal aur kis date ko last payment jayegi. And also tell me maturity date.
Hi Anuj, aap saal mein kabhi bhi amount deposit kar sakte ho. Iski deposit date fixed nahin hai. Indicative maturity amount upar table mein check keejiye.
My daughter dob is 24 November 2006, I want deposit 150000 rs per year from today, than what is the mechurity date and what will the amount at that date
Maturity date would be March 31, 2036. Please refer the first table in the post above for maturity values.
Sir kya main apni Beti ke liye sukanya Dev yojna or Sukanya samridhi yojna dono Le sakti hu?????? Plz reply
Renuji, mujhe Sukanya Dev Yojana ke baare mein jaankaari nahin hai.
Jab meri beti 18 sal ki hogi to mujhe kitna milega abhi meri beti 9 saal ki hai aaj maine khata khola hai
Aapki beti 18 saal poore hone pe balance amount ka 50% withdraw kar sakti hai.
SIR,
MENE START ME 3000 RUPE JAMA KARA DIYE HAI OR ME HAR TISRE MAHINA 3000RUPE JAMA KARA SAKATA HU KYA PLESE REPLY
Yes, aap har teesre mahine Rs. 3,000 jama karwa sakte hain.
Ager ye scheme modi sarkar ka tenure khatm hone ke baad next government isko start rakhegi ya chalayegi
Prashantji, iske liye aapko next government aane ki wait karni hogi.
SIR,
MENE START ME 3000 RUPE JAMA KARA DIYE HAI OR ME HAR TISRE MAHINA 3000RUPE JAMA KARA SAKATA HU KYA PLESE REPLY OR KITNE RUPE MILEGE
sir mai Rs.1000 P/m deposit karna chahta hu to 21 years me kitana return hoga
Rakeshji, upar post mein diye gaye tables check keejiye.
Mere beti 6 sal ki h. Agar hat mahine Rs.1000/- Jama karate h to 21 sales bad kitna amount haga.
Gauravji, maturity amount ke liye upar diye gaye tables check keejiye.
Good for money savings
Mera beti ki date of birth 27 oct 2006; aaj account khulenge to kitna saal diposit karna padega aur kab meturity milega plz tell me.
01/04/2015 ke bad ssy a/c open kar sakte plz tell me.
Yes, SSY account saal mein kabhi bhi open kar sakte hain.
My daughter Gungun”s dob is 25.08.07. After 14 yrs she will be 22 yrs old in 2029. If I start 2000 per month means 24000 per yr investment for 14 yrs then I m investing 24000×14=336000 (3lac 36 thousand ). What amt can I get in 2029 not after that. Plz give me ur suggestion .
Thank u in advance.
Mr. Rana, you’ll get approximately Rs. 679,749 after 14 years.
sir ..
bank me ye skim kab shuru ho rahi hai ..
Dhaneshji, ye information aapko banks se hi mil paayegi.
sir meri beti ki age 10 year he to mudhe kitana time tak jama rupee karne hoge kyo ki meri beti ki age 10+14+7=31 age ho jaye gi ap ke rule ke hisab se please conferm
regards
pradeep sharma
09997041674
Pradeepji, aapko 14 saal tak paisa jama karna hai, ya phir aapki beti ki shaadi hone tak.
I am Indian Citizen and my daughter is American citizen. Is she eligible for SSY?
It is still not clear whether NRIs are eligible to invest in this scheme or not. You’ll have to wait some more time for further clarity in this regards.
Sir
My daughter is now 7.5 years. I open SSY account on 1/04/2015. Sir mujhe amount 14 saal tak jama karana hai (means 2029), ya jab beti 14 saal (means 2021) ki ho jayagi tab tak jama karana h. Plz help me.
Aapko amount 2029 tak jama karna hoga.
sir
mujhe 14 saal paise jama karne hain
aur 21 saal baad paise mileage.
kya ye teek hai.
meri girl ki dob 01.01.2007 hai
maine account 10.03.2015 ko khulbaya hai.
is hisab se mujhe paise 10.03.2029 tak jama karane hain aur paise 10.03.2036 ko mileage.
Sir,
I Have a Query that Every Month We have Deposite Same Amount Money Or Might Be Different Amount Money Can Be Deposited.??
And Also Limit is This Scheme Rs. 1,50,000/- / Yr.
Then We Deposite Every Month Rs. 10,000 / And Remaining Amount Of Limit Is deposited in Last Month Of Yr.
Is Possible.
Mr. Amit,
Firstly, it is not a monthly deposit scheme, you can deposit all Rs. 1.5 lakh in one go as well. Moreover, if you decide to deposit money on a monthly basis, then it is allowed to deposit different amounts each month.
Yes, that is correct.
sir
agar main starting mein jyada
amount jama krwaun aur iske baad
monthly 1000 rs jma krwata hoon,
toh mujhe benefit toh milega ya nhi ?
sir
kya jo rupye hum 14saal tak jama karenge wo 14saal bad hi nikal sakte he ya barabar 21years pure hone par hi milenge
50% paisa aapki beti apne 18 saal complete hone pe nikaal sakti hai aur baaki account kholne ke 21 saal baad ya phir shaadi hone pe.
Sir
Suppose my saving under 80 C is completed I want to take tax rebate of housing loan interest of 50000 and also want to invest 50000 separately in NPS to take extra tax rebate in same financial year. So is it possible to take rebate of loan interest and NPS saving at a time ?
Yes, it is allowed w.e.f. financial year 2015-16.
sir
agar main starting mein 50000 rs jma krwata hoon
aur iske baad 1000 rs per month jma krta hoon,
iska benefit mujhe milega ya nhi ?
Iska benefit aapko milega.
Sir agar mai first month me 5000 deposit krta hu to kya mai next month me 3000 kar sakta hu .
Yes, kar sakte hain.
4000 pr month par kitna maturity value hoga
loan kab le sakate
sir ,yadi koi vayakti kuch saal tak paisa deposit karta h ,fir achank kisi vajah se vho paisa jama karna bund kar deta h , tho fir kya hoga
Sunilji, agar aap paisa deposit nahin karte, to ye account inactive ho jaayega. Jitne saal aap paisa deposit nahin karenge, har saal aapko Rs. 50 penalty pay karni hogi.
Sir Maine 1/04/2015 ko 3500 monthly SSY scheme me Start karwayi h. Kya mein isko annual me convert karwa sakti hon. Agar hain to kaise. Balance amount kya hoga aur kab tak deposit karwana hoga.
Aabhaji, ye scheme monthly deposit scheme nahin hai. Aap saal mein ek baar ya usse zyaada baar paisa deposit kar sakte ho.
kya is scheme me Insurance bhi milta hai…aur kitna milta hai ….
Sir agar ek sal me mai 5 K pay krta hu aur dusare sal 1k pay kiya to kuchh prob to nahi h n
if there is no insurance than LIC plan no 830 is much more better….
sir
maine account 10.03.2015 ko khulbaya hai
to mujhe kab tak paise jama karne hain aur paise kab mileage.
Meri beti ki DOB 29.06.2006 hai Rs 1000 pm bharne ke bad agar uski shadi 29.06.2026 me hoti hai to mujhe kitne Rs milenge ; 2026 me pure paise milenge kya.
Sir my daughter date of birth 08-01-2015, elgbule this policy
Sir
meri do betiyaan hn dob hai 24-4-06and 14-6-08 .Mujhe do alag account khulvaane padenge kya? Agr mn 1000hr mahine deposit karoon ek account mn to mujhe kitne.saal tk hr mahine deposit krvaane honge aur maturity date kya hogi aur m
aturity ka.amount kitna hoga agr april se start karun to…..???aur kya mn ise apne m I s account se jod sakti huun……..plz clearly bataaein.
Sir ,my daughter date of birth 08-01-2015,elgbul this scheme
Agr meri beti ki shaadi dus saal baad hoti hai to aage ka kya procedure hoga….
What is your girl’s current age?
Sir,
Maturity ka amount guardian ko milega yeah girl ko? I mean agar ladki against family love marriage karti hai, then?
If you are thinking good future for your kid then why you bother about who will get the money? even if she opt for love marriage?
someone told me that iska validity 31 march 15 tak hi tha… lekin kuchh extend kia he..kya ye sahi he?
actually maine apni beti ki dob certificate nhi banaya he.. thora time lagega. isiliye thora tensed hu.
plz inform me asap?
waiting for your reply
thanx in advance.
Na na avivi hai, ab rate of interest 9.2%
Sir my daughter is 5year 4month old
If I will invest 15000 per year then how much amount I will get on maturity
And when I can withdraw the amount
50% of the balance you can withdraw when your daughter attains 18 years of age and 100% of the balance you can withdraw when your daughter gets married or after 21 years from the account opening date. If you invest Rs. 15,000 per annum, you’ll get approximately Rs. 7,94,153 after 21 years @ 9.2% rate of interest.
???? ?? ????? ??? ????? ????? ,????? ???? ?? plan ???? ???????? ?? ?? ??? ??? ??? ?? ???? ?? ?? ???? ??? ?? ???? ??? ???? ???? ??? saving a/c ??? ??? ?? ????? ???? ???? ??? ???? ???
Sir Ji agar 10,000 rupee per year me jama karwaye to 21 year me kitna milega my daughter d.o.b is 26-10-2014 h
21 saal baad approximately Rs. 5,29,435 milega – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
R/s meri daughter 4 years 5 month ki he mein per annum 12000.00 invest kakarunga maturity par kitna mikega . sath me account close hone par amount kisko milega bet I ko ja guardian ko
21 saal baad approximately Rs. 6,35,322 milega – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Account close hone par amount beti ko milega.
sir
14 saal tak paise jama karne hain aur maturity 21 saal ya ladki ki saadi hone tak.
sir paise 21 saal ke hisab se mileage ya saadi ke time jitne saal pure honge us hisab se.
Agar shadi 21 saal se pehele ho gayi, to tab tak jitna jama hua utna hi milega.
sir
agar sadi maturity date se pahle hoti hai to paise
21 saal ke hisab se mileage ya jab saadi hota hai us hisab se.
Shaadi pehle hone pe paise 21 saal ke hisaab se nahin milenge.
Dear All,
Plz dont Get Confused…. this scheme clearly states that till the Age of Daughter gets 21 years it will get Matured… It means if any parents wants to start this scheme directly after birth of their Daughter then they will get benefits as mentioned on the chart means.. till the age of 14 Years from the Birth with payment of 1000 pm total premium deposited id Rs 168000 & after AGE OF 21 OF DAUGHTER PARENTS / DAUGHTER WILL GET 607000 RS THAT IS APPROX FIG….. If any parent whos daughter is of 4 years & if he wants to open an account then he is eligible to pay premium only for TEN Years “ok”… hop now its clear….. Regards, Ni3.
Dear Krishna Sharma Ji
10000 Per year agar ap jama karte h0 abhi se… then u will get 525000 approx….
regards,
Ni3.
Dear Subhash V Ji
Scheam u got some wrong info…. still scheam is in progress…
Ni3.
for any possible info regarding SSY… whats app me on my personal cell
9561880669… as per my knowledge i can share my view
Ni3.
sir,
my daughter is 7 year old, i have invest 12000 per year. how much i get after maturity also inform maturity 21 year date of child birth or opening of account?
Please tell me the maturity period about the date of opening the A/C from 21th years or 21st age completed.
Hi Bapi,
It is 21 years from account opening date or marriage whichever is earlier.
my daughter is 7 year old, i have invest 12000 per yaer.how much i get after maturity also informmaturity 21 year date of child or opening of account.
21 saal baad approximately Rs. 6,35,322 milega – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
21 saal account opening date se calculate honge.
Hi Shiv,
Is it possible for NRI to open this account for their daughters and is the matured value tax free. My daughter is an indian citizen now but will eventually change her citizenship. At the time of maturity if shes not an indian citizen how it will affect this scheme?
Hi Siya,
NRI’s can’t open this account. And from your scenario it seems you will not be in India in future, then why you want to open this scheme?
can I invest 1000 rs pm for my daughter born on 08/02/2005?if yes how much money will I get and how?
Yes, you can invest Rs. 1,000 per month. Maturity values as per your contribution are given in the table above.
Sir
My daughter is 9 years old .I want to invest 10000 annualy .How much i will get andcan i receive it after 14 years or at time of marraige of my daughter.
Hi Arun,
Maturity values as per your contribution are given in the table above. You’ll get the maturity value whenever your daughter gets married or after 21 years from the account opening date.
Who can withdraw the maturity amount. ..guardian or the daugher (as she is above 18)
I think both can withdraw.
How it is different from sip of other companies?
Sir, Is the contribution amount fixed for an account or can it be increased/decreased over the following years ?
Thanks.
Cyril
Hi Cyril,
The min yearly deposit should be Rs 1000 and max 1.5 lakh. Within that limit you can deposit any amount in any month. There is no obligation.
Dear sir
kya mujhe account me paisa 14 sal tak jma kerna hai ya 21 sal tak or ager mai Rs.1000 per month jma kerta hu to mujhe maturity k bad approxe amount kitna milega meri Beti ka
D/O/B Hai 04-12-2014 ya is yojna ka koi bhi pamplate ho to wo aplog please mail ker dijiye
Thanking you yours faithfully
sandeep yadav
Sandeepji,
Aapko 14 saal tak paisa jama karna hai aur 21 saal baad ye account mature hoga. Maturity value ke liye ye post check keejiye – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Is scheme ke RBI circular ke liye ye post check keejiye – https://www.onemint.com/2015/03/16/sukanya-samriddhi-yojana-updated-list-of-authorised-banks-to-open-an-account-specimen-application-form-passbook/
sir, meri beti ki dob 29/10/2009 hai.wo abhi 5 1/2 years ki hai to mujhe kitna amt per month jama karna hoga jisse maturity amount 6,30,000 ke kareeb mile aur kitne year jama karna hoga?….ye bhi batayen ki kya har month ek jaisa amt. jama karna hai ya kam/jyada bhi kar sakte hain. jaise humne 1000 per month ki kisht banai par kisi month men 5000 deposit kar diye to aisa ho sakta hai kya ?………please marg darshan karen…..
thanks
Shwetaji, ye scheme monthly deposit scheme nahin hai, aap saal mein ek baar ya zyaada baar kitna bhi amount deposit kar sakte ho. Maturity values check karne ke liye ye post check keejiye – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir, my daughter is 8 year old and I invest 2000 pm please tell how much amount in maturity..and who will be receive after maturity.
Hi Umendra,
Your daughter will get the maturity proceeds after 21 years or whenever she gets married, whichever is earlier. For maturity values as per your contribution, please check this post – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
sir,if some body deposits Rs500 p/m,total deposit in one year is Rs 6000 &total contribution in 14 years will b 84000 but I fail to understand or figure in posted in the calculation box.
Hi Suneel,
The above calculation includes interest earned as well.
How can the returns be same when you invest monthly or lumpsum the same amount….can you please clarify the same.
eg if I deposit 12,000 lumpsum at the beginning of the year or 1000 every month for 12 months as per the table above, the maturity values will be same or different after 14yrs or 21 yrs?????
Maturity values will be different with lumpsum and monthly investments.
Sir suknya yojna ka notification mail par send kar dijiye
Avanishji, ye link is scheme ka notification hai – http://rbidocs.rbi.org.in/rdocs/content/pdfs/494SSAC110315_A1.pdf
my daughter dob is 15/9/2007 if i deposits Rs2000/= per month then how many yrs i deposits the maturity & how much money i will receive at maturity
Maturity values ke liye ye post check keejiye – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
At Rs. 2,000 per month and 9.2% rate of interest, maturity value will be Rs. 12,58,655 after 21 years.
sir
maturity 21 saal
girl ki dob se suru honge ya account kolne ki date se.
meri girl ki dob 01.01.2007 hai
aur maine account 10.03.2015 ko khulbaya hai
agar saadi 2028 me hoti hai to mujhe kitne rupees mileage.
1000 per month deposit. karne par
21 saal account opening date se calculate honge. Is scheme ka rate of interest har saal change hoga, maturity value 9.2% ke according calculate karne ke liye ye post check keejiye – For maturity values as per your contribution, please check this post – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
R/s
Maine 01/04/2015 ko 3500 me account Open karwaya h. Agar mujhe saal me 1 lkhs deposit krna ha to mein balance amount (100000 – 3500 = 96500 ) ek bar me 31/03/2016 tak jama kra sakta hoon.
Yes Anuj, aap Rs. 96,500 ek saath 31 March, 2016 ko jama kar sakte hain.
Dear sir,
if i can’t continue the policy after 5 years@12000/- p.a. how much i get?
Hi Upendra,
There is a penalty of Rs. 50 for every year of non-payment and your account will become inactive. You cannot withdraw the balance till your daughter’s marriage or 21 years from the account opening date.
ye scheme clear nhi h, bada jhol h isme ,
kuch bhi clear nhi
Please don’t misguide others.
Sir. Aabi mai pune me rahata hu bad me dusare city gaya to deposits Kidhar karane ka.
Agar aapka account post office mein hai, to aapko apna account transfer karwana hoga.
My daughter’s birth date is 12-jan-2004.
1) pls confirm if i can open SSY account in her name
2) What if she gets married within 14 years from today’s date ?
1. Yes, your daughter is eligible for this scheme.
2. You can withdraw the balance and close the account whenever your daughter gets married after attaining 18 years of age.
sir meri beti 9 Sal ki hai agar iski shadi 20 sal mai tai ho gayi to us samay muze kitne paise milenge
Shaadi ke time aapki beti ko jo paisa milega wo aapke contribution aur rate of interest pe depend karega.
sir
pls confirm that if we deposit money upto 14 yrs and some how we r not able to deposit the futher amount, then ll we get the money back or it ll drowned.
pls clear this matter
thnx
rakesh rathi
You are required to deposit money only for 14 years. Nothing will get drowned as it is a government scheme.
Sir
meri beti 9 Sal ki hai agar main 14 Sal tak monthly 1000 Diposit kiya Aur uski shadi 20 Main tai ho gayi to kya muze maturity ki sabhi amt milegi
Beti ki shaadi hone pe aapko aapka paisa interest ke saath milega.
Sir
agar mari beti ki shadi 20 sal main ho gayi aur maturity ke liye 9 Sal hai to kya maine 9 Sal bad paise le sakti hu ya shadi ke samay hi lene Honge. Aur shadi ke waqt thode paise le sakti hu ya sabhi lene honge
Aapko shaadi ke time saare paise withdraw kar ke account close karwana hoga.
Sir meri beti ke shadi ke samay maturityko 8 Sal hai aur maine paise 8 sal bad nikale to chalta hai kya ya shadi ke samay hi nikalne honge
Yes, aap shaadi ke time paisa nikal sakte ho.
My question is when a person deposit Rs.12000/- timely some amount in this scheme but in case he or his daughter die between the tenure of this scheme. then how much amount his relative received or not.
On this scheme death benefit is not described/ shows properly. Kindly educate.
There is no insurance provision in this scheme. If something happens to your daughter, you’ll get the whole balance with interest. If something happens to you, your daughter can withdraw the whole balance or continue with the account.
Sir muje iska chart dekhana h
Aap kaun se chart ki baat kar rahen hain Yashwantji?
Sir., 15april2015 Main khata kola 1000/- Per month aur April 2026 Main shadi ho gayi to 14 Sal to pure nahi hote. To is 11 Sal main muze 1000/- Installments se kitne rupe milenge
9.2% rate of interest ke according 11 saal baad shaadi hone par approximately Rs. 2,28,762 milenge – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir
Thanks for the great job with this blog.
My daughter is turning 10 in May 2015.
1) Am I still eligible for investing in this account?
2) Can I invest varying amounts (Rs 50 thousand one year, 1 lac next etc)?
3) Do we have clarity of the banks who are opening these accounts?
Please reply
thanks
Thanks Abhishek for encouraging words!
1. Yes, your daughter is eligible for this scheme.
2. Yes, you can do so.
3. Not yet, banks are still reluctant to act on these accounts.
Dear sir, meri beti ki date of birth 14-06-2004 hai.
Kya woh eligible hai?
Isme saal mein ek baar 150000 se kam jama karun aur next saal agar 50000 jama kare to aisa ho sakta hai.
Yes, aapki beti eligible hai aur aap agle saal amount change kar sakte hain.
Sir, jaisa likha hua h 2 Dec 2003 Se Ab tak account khol sakte . Agar jo larki 4dec2003 Ko janm hua to use account me kitne sal paisa dale ge agar janm se 14sal tak dalenge to 3ya 4 Sal jama hoga . Or agar 1000 Par month dale to kitna 18 Sal Bad And Maturity samay milega . Please reply sir dont ignore it…..
Maturity Value ke liye ye post check keejiye – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Rs. 1,000 monthly invest karne pe aapko 21 saal baad Rs. 6,29,328 milenge.
Sir meri bati kind date of birth 30 jan2005 h to kiya him account khulba sktea h or uski kiya statements hogi I please
Yes Rajniji, aapki beti ka account khul sakta hai. Aapko is account ki passbook issue ki jaayegi.
sir
agar mein per month 1000 rs per month jama kervate hain to kitna milega meri beti 7 years completed
Rs. 1,000 monthly deposit karne pe aapko 21 saal baad Rs. 6,29,328 milenge. Please check this post for maturity values – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Meri beti 12/4/2015ko 6 Mah ki ho jayegi mujhe kis palan ko lena cahiye.
Aapko is scheme mein invest karna chahiye.
Sir,
Rate of interest for this scheme is 9.1% this year.can u tell what will be the minimum ROI throughout the scheme.
Also,Is there any alternative scheme better than this?
For FY 2015-16, rate of interest has been hiked to 9.2% – https://www.onemint.com/2015/04/04/post-office-small-saving-schemes-fy-2015-16-interest-rates-ppf-8-70-sukanya-samriddhi-yojana-9-20/
There is no minimum ROI set for this scheme. I have no idea if there is any other alternative better scheme available.
?? ???? ???? ?? date of barth 4-11-2004 ?? ?? ?? acount ????? ???? ??
Sir meri beti ka date of barth 4-11-2004 hai kya mai acount khulba sakta hu
Yes Manoj, aap ye account khulwa sakte hain.
Sir, if my daughter is married before 21 yrs, will she get full maturity amount as after 21 yrs
No Dinesh, you’ll get money as per the balance in the account and not what you are supposed to get after 21 years.
Sir I would like to ask you about depositing monthly would.be.beneficial or lumpsum amount of say 1 lac.If monthly what should.be the ideal.date of depositing the.amount in sukanaya account.How they.calculate.interest?
If invested at the start of the financial year, then lumpsum investment is better. Interest calculation will be similar to the PPF interest calculation method, so it is best to deposit money between 1st and 5th of evry month.
my daughter is 9 years old now.i have todeposit for 5 years from today or 14 years
Hi Ajay, you need to deposit money for 14 years.
Sir
Can we dopsit first month rs 2000 and next month rs 8000?
Yes Anuj, you can do that, though it is not a monthly deposit scheme.
Could we open an account of girl having dob 2/06/2003
No, girl child having DoB 02/06/2003 is not eligible for this scheme.
If I had to pay fix amount on fixed dates annually or is there any flexibility on opening account with Rs.1k
There is a complete flexibility of depositing money. The total amount in a financial year should not be less than Rs. 1,000.
Hi Sir,
Actually my daughter stays with her mother and i don’t have her photograph, Inorder to open the account is that mandate to have her photo also please advise can we deposit the monthly amount at any date of the month or the date should be consistant for every month. Kindly advise…
Hi Mohammed,
Girl child’s photo is not required. You can deposit money on any date of the month or year.
Respected Sir,
I have one doubt.
If i can’t deposit money regularly for 14 years or in case of any death of father or daughter occurs, then what happens?
Please kindly clarify my doubt.
In case of death of the depositor, the girl child can withdraw the whole balance or continue funding the account. In case of girl child’s death, the depositor can withdraw the whole balance. In case you don’t deposit money in a financial year, the account will become inactive.
sir pls remove my mail id I was getting notification daily it was my official mail id…I request you pls help…
You can do that yourself Mohsin. Check this line with a link in your mail – “To manage your subscriptions or to block all notifications from this site, click the link below”.
my daughter age 8 years i am open that account how age (daughter) will give the full maturity benifit
Shaadi ke time aapki beti ko declaration dena hoga balance amount withdraw karne ke liye.
Meri beti ka birth 31Mar15 ka hai.abhi uska naam nahi rakha gaya hai to kya mujhe wait krna hoga.kya mai kisi mahine 1000 kisi mahine 2000 ya jyada ker sakta hu.ya phir jis amount se maine shuru kiya hai wahi amount hi jama karna hoga.
Yes, aapko naam decide karne tak wait karna hoga. Aap amount change kar sakte hain.
Mere bitiya ka date of birth hai 27th September 2003
kya mai sukanya samriddhi yojna ka account betiya ke nam se dal sakta hu
Ajayji, aapki beti is scheme ke liye eligible nahin hai.
1000 per month ka account hai
agar hum ise aane wale samay me kuch jyada amount nahi dal sakte hai
ya apana premium amount 2000 se 3000 tak kar sakte hai ya nahi
Kam se kam Rs. 1,000 daalna zaroori hai, zyaada bhi daal sakte hain.
To mai jo amount deposit karunga usper hi mujhe intrest milega na.
Yes
DEAR SIR I HAD ALREADY OPENED PPF ACCOUNT FOR MY DAUGHTER. CAN U SAY ME WHICH IS THE BEST PLAN IN PPF ACCOUNT OR SUKANYA SAMRIDHI YOJNA.
I think Sukanya Samriddhi Yojana is better than PPF.
Hi sir , my daughter birthday is 23.7.2008….If I opened account with monthly 1000 in year.Then upto which year I have to deposit the same and which is the maturity year..???
You need to deposit money for 14 years. So, if you open this account now, then you’ll have to contribute to this account till 2029. Maturity year will be 2036 or whenever your daughter gets married, whichever is earlier.
my daughter birthday is 23.7.2008.If I opened an account in year 2015, then upto which year I have to deposit the money and which year will be my maturity year ???
Hello sir my daughter born in Australia and now she is in india ….she born in 2013….we are in india but my daughter is in india….is she eligible? ??? How can we submit the form???? We can deposit money annually….is dis scheem still available? ??
Hi Manoj,
It is still not clear whether a girl child born outside India is eligible for this scheme or not. You’ll have to wait some more time for further clarity.
Sir … m litle bit cnfused…. means if i select annual mode than how much amount i must have to pay every year ?????
Rs. 1,000.
we are confused by above contribution table.can you plz tell me if we deposit 1000 per year till 14 years then How much we will get after 21 years?
Rs. 52,605 after 21 years. Please check this post for the updated maturity values @ 9.2% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir meri bhatiji ki age 9 yrs hai kya uska account khool sakta hai.
Yes Jaspalji, aapki bhatiji is scheme ke liye eligible hai.
Dear sir
What I open the account in uttrakhand . I belong to up……!
Your query is not clear Ashwini.
I am opening my daughters account in this scheme but I found one drawback in this scheme that if something happen to me and my daughter’s account got to be unpayable then it seems unfavourable to my Daughter. Sir ??? ???? ?? ?? ?? ?? ??? ????? ????? ?? ?? ?? ????? ?? ??? ??? ???????? ??? ?? ???? ? ??? ??? ??? ??? Depositor ?? ??? ?? ???? ?? ?? ?? ??????? ?? ???? ???????? Government kare.
If something happens to you, then your daughter will have the option to either withdraw the balance or continue funding it.
Sir, if I open the account in a post office now and in later stage can I transfer the account to a bank.
Yes Sikha, you can do that.
DEAR SIR I HAD ALREADY OPENED PPF ACCOUNT FOR MY DAUGHTER BUT WE ARE CONFUSED OPEN IN DAUGHTER SECOND ACCOUNT IN THIS SCHEME
You can open her account in this scheme Ashish.
Dear Sir
1. meri 2 betiyan h bdi beti 6 saal ki or chhoti beti 2 saal ki h to konsi beti ke nam se account thik rhega?
2. Kya pr month bacht ke anusar km ya jyada paise jma krwa skte h?
Rply please
Hi Rajneesh,
1. Dono betiyon ke naam se account kholna theek hai.
2. Yes, aap bachat ke anusaar kam ya zyaada paisa jama kar sakte hain. But, ye scheme monthly deposit scheme nahin hai. Isme saal mein sirf ek baar paisa daalna zaroori hai.
I have open my daughter account recently in post office they give me saving account book is it okay or I have to open another account for my daughter
No Reeta, it is perfectly fine.
I have two questions
1. Kya hum har mahine
1000
3000
1000
20000
30000
10000
Kar sakte hai
2. Monthly or yearly
Whose batter
Hi Sunil,
1. Yes, aap different different amounts deposit kar sakte hain.
2. If you are depositing it early in the year, then yearly deposit would generate higher interest for you.
Namaskar sir.
Can NRI participate in this scheme. What are the requirements. Please guide. Thanks
Namaskar Sudip.
It is still not clear whether NRIs are eligible for this scheme or not. So, you’ll have to wait for some more time for further clarity regarding this.
hello sir,
My daughter’s d.o.b is 26/06/2006 , if i open an a/c in may 2015 and annual deposit is 15000.then
1. upto which year i have to pay
2 what will be the maturity amount .
I have seen the maturity chart but cannot understand .Sir please help me.
Hi Jagmohan,
1. You need to deposit money for 14 years from the account opening date.
2. With Rs. 15,000 deposit every year and 9.2% rate of interest, you’ll have approximately Rs. 794,153 on maturity – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Meri beti ki age 7 years h agar uski shadi 21 years main hoti h to maturity kya hogi
Shaadi hone pe ye account mature ho jaayega.
meri beti ka dob 25 /08/2005 hai mujhe kab tak paisa jama karna hai?
kya beti k 31yr. hone per pura paisa wapas milega?
Brijeshji, aapko 14 saal ke liye paisa jama karna hai. Aapki beti ko maturity amount uski shaadi hone pe milega ya account opening date ke 21 saal baad.
Sir I have a daughter D.O.B 12/05/2013 can i eligible for this sukanya scheme.
Yes Shashi, your daughter is eligible for this scheme.
Can I pay through ecs.
At present online transaction facility is not available.
Sir,
Meri baby k liye mein ye scheme choose kar rahi hu and i will deposit 150000 every year till end of 14 years to gain maximum benefits of this scheme. Mera question ye h ki yadi 21 years complete hone k baad 4 aur saal mein yadi pament withdraw na kar to kya muje un 4 saal ka bhi interest milega?
Yes Tejeshvini, aapko un 4 saalon mein bhi interest milega. But, aap is account ko beti ki shaadi ke baad carry nahin kar sakte.
Ok Sir..Thank You very much for your reply.
You are welcome!
Sir meri beti ki DOB 2.12.2010 hai abhi ye 4 saal ki hai to kya 21 saal baad puri maturity milegi ya pahle saadi hone per full maturity milegi
Hi Dhruv,
Aapki beti ki shaadi hone pe ye scheme mature ho jaayegi, but maturity amount aapke contribution pe depend karega, na ki 21 saal ke maturity amount pe.
Dear sir,
My daughter’s dob is 06 march 2015. So when I can open an account… Is it necessary that she became 1 year old.. Pls reply…
Hi Barun, you can get this account opened right away. You need not wait for completion of 1 year.
Hi Sir
The Bank of India called me today regarding this scheme. They have got circular but they told me to wait for one more week as passbooks and application form unavailable. No matter I will open acc after 21 st April. My daughter DOB is 23/10/2011. I want to open account with Rs. 33000/- and will continue the same. Please tell my maturity date and mature amount. Bank manager told that rate of intt is 9.3% now.
Thanks a lot Mr. Lalit for sharing this info, it is of great help to our readers! Please let us know whenever you are finally able to open this account. If you open this account on 21 April, 2015, the maturity date would be 20 April, 2036 or whenever your daughter gets married, whichever is earlier. Maturity amount would depend on your investment amount, dates of your deposits and rate of interest. This financial year’s rate of interest is 9.20% and not 9.30%. https://www.onemint.com/2015/04/04/post-office-small-saving-schemes-fy-2015-16-interest-rates-ppf-8-70-sukanya-samriddhi-yojana-9-20/
Hi sir , my daughter birthday is 12-09-2006 ….If I opened account with monthly 1000 in year.Then upto which year I have to deposit the same and which is the maturity year..???
Hi Manoj,
You’ll have to deposit money in this account for 14 years i.e. till 2029. Maturity year would be 2036 or when your daughter gets married.
thsnk you sir
DEAR SIR ,
I CAN PAY MONEY MULTI TIME IN A ONE YEAR
APRIL 1000
MAY 3000
JUNE 1000
THIS IS POSSIBLE???????
THIS IS COUNT FOR ONE YEAR . TOTAL AMOUNT 5000 IN 2015 .
AND NEXT YEAR 2016 ALSO SAME PAY
APRIL 1000
MAY 3000
JUNE 1000
THIS IS POSSIBLE???????
Yes, it is allowed Manoj.
Sir ladki 9 years ki h uski shadi 2026 me ho to 14 years kaise ?????
Agar shaadi scheme ke 14 saal complete hone se pehle ho jaati hai, to 14 saal deposit karne ki zaroorat nahin hogi.
Sir, payment marriage wale year hi milega (2026) me
Yes, deposited amount with interest shaadi ke time (in 2026) mil jaayega.
Maturity par payment kisko milta hai beti ko ya uske father ko (father ki id ho )
Hariomji, maturity par payment beti ko milegi.
total deposit amount in the year is exempted of income tax under 80c ?
Yes, you’ll get tax exemption under section 80C.
Ladki ki 9 year ki h 2026 me marriage ho to 2015 from 2029 kese ???????
sir,
May i know the last date to fill up the form/ application ?
There is no last date as such for this scheme.
Dear Sir
Meri beti 8th April 2015 ko hui hai at present mere pass meri beti k liye 51000 sumlump pada hai pls mujhe suggest karo k mujhe abhi ssy 51000 me start kar leni chiyea or there after 1000 pm dalta rahu.
Hi Neeraj,
Yes, it is a good idea to do that.
Sir, meri Ladki ki dob 26/8/2005 he agar me monthly 12,500 asekarkar sal ka 1,50,000 jama karta hu to after 21 sal bad kitna milta he?
Please check this post, 21 saal baad Rs. 12,500 ke according aapko Rs. 78,66,597 milega – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
sir meri beti ka dob 21.03.2010 hai. maine 5000se a/c 9 april2015 ko a/c open kiya hai. sir main 60000 pa deosit karna chahti hu. after maturity kitna amount milega.
Ye post check keejiye, is post ke according 21 saal baad Rs. 60,000 ke according aapko Rs. 31,76,612 milega – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Namaste sir,
Meri beti ka date of birth 03/04/2015. kya mai is yojana me shamil ho sakta hu kya muje mahine mai ya saal me kitna paisa bharana padega aur muje kitne saal paisa bharna padega , aur last me mujhe kitana paisa milega.
Hanumanji, aapki beti is yojana ke liye eligible hai. Ek saal mein minimum Rs. 1,000 deposit karna zaroori hai. Last mein jo paisa milega, wo aapke contribution pe depend karega.
Dear Sir
Everyone is calculating maturity amount as per current rate of interest but it may vary in future. It may be 9.3,9.4…. onwards or it may be 9.1,9.0,8.9…. downwards. Then how can we assure that the mature amount for xxxx pa will be xxxxxxx after 20 yrs. Am I right sir???
Yes, that’s right! 9.20% constant rate of interest is assumed just for calculation purposes.
is there any rule or column of nominee on this account
Nomination facility is not available/required in this scheme as parents/guardian will get the money in any unfortunate event.
ani changes mnth toyear
months1 1000
2 -2000
3-500
5-10,000then
next year yesrly 12000
sny posible
can istop some months deposit
It is not a monthly deposit scheme Santhosh. You can deposit any amount up to Rs. 1.5 lakh in a year.
dear sir,
we on edoubt is mony can transfer on netbanking to SSY.from axis bank.
pl suggest.
Hi Kadam,
If Axis Bank is providing services for this scheme, then you can do online transfer to SSY.
if we have 3 girs.3accounts open .posible or not
Only if the girls are triplets or younger girls are twins.
1. if i deposited 30000 pm from April to August means total 150000 to next month me deposit ka kya karna hoga?
2. kya maturity amount ppf ki tarah totally tax free hoga ya nahi?
3. total deposit 80 C ke 150000 me exempted hoga ya nahi?
1. It is not a monthly deposit scheme. Saal mein ek baar deposit karna zaroori hai bas. Maximum amount allowed in a financial year is Rs. 1.50 lakh.
2. Yes, maturity amount is completely tax-free like PPF.
3. Yes, investment amount up to Rs. 1.50 lakh exempted under section 80C.
Hello sir,
Meri beti 8 month ki hai. Kya mai es scheme ko SBI me open Kara Sakta hu. Kya eske liye mujhe SBI me account beti ke naam se kolana hoga. Sir, agar mai minimum yearly 20000 tak deposit karta hu, to mujhe maturity kab aaor kitna milaga…
Yes Rajendra, aap SBI mein ye account apni beti ke naam khulwa sakte hain. Maturity amount aapke contribution aur yearly rate of interest pe depend karega. Maturity amount account khulne ke 21 saal baad ya phir beti ki shaadi hone pe milega.
will we get same amount which is mentioned in table if girl is getting marrried before 21 of maturity period.
No, the maturity amount will depend on your contribution, your time of deposit and yearly rate of interest.
Dear mr shiv,
My doughter age is 9. I want her to get married in the age of attaining 20(2026)
If i will pay rs-1000/- per month…will i get the full added interest rate for only 11 years & if yes then what is the tentative matured amount???? their will be any deduction for not completing 14 years…
What is the documents required for not completing 14 yrs….is it ok with the invitation card!!!
Pl explain in broad as i have to plan for my doughter….
Also is their any insured value involve????
Dear Sir,
Your table and related information helps us to understand the scheme better. I have opened a account in the name of my 6 yrs. old daughter by givng Rs. 1000. Can I continue same by giving Rs. 1000 every month. As the Lady in Post office is saying that you to deposit the amount once in a year. Post offices are not aware of scheme related information properly. I want to deposit amount of Rs. 2000 in account openning but they are not agreed to take more than Rs. 1000 Also is it has any insurrance ?
waiting for reply.
Yes Pravesh, you can deposit any amount between Rs. 1,000 and Rs. 1.50 lakh in a financial year. You can do so by making only one deposit or multiple deposits. Also, this scheme doesn’t carry any insurance benefits.
Dear mr shiv,
My doughter age is 9. I want her to get married in the age of attaining 20(2026)
If i will pay rs-1000/- per month…will i get the full added interest rate for only 11 years & if yes then what is the tentative matured amount???? their will be any deduction for not completing 14 years…
What is the documents required for not completing 14 yrs….is it ok with the invitation card!!!
Pl explain in broad as i have to plan for my doughter….
Also is their any insured value involve????
Hi Chandan,
Yes, you’ll get interest paid only for 11 years.There will be no deduction/penalty if you withdraw it on your daughter’s marriage. A declaration by your daughter or an invitation card would do. There is no insurance component involved in this scheme.
Dear SK,
The post office does not have clear advice on max amount that can be deposited on a single account if a parent has two daughters. Is it 75K on one account & 75K on other!. Or if the operator is diff for ex . Dad is the operator for 1 girl child & Mom is the operator for 2nd girl , Both parents employed , can they deposit 1.5 lakh on each child !?
Thanks for your efforts in advance.
regards,
WVD
Dear WV,
As per the language of the notification, you can deposit a maximum of Rs. 1.5 lakh in an account. So, it doesn’t matter who is the operator of these accounts, you can deposit Rs. 3 lakh in two of your accounts.
sir.. account khulwaane k baad mai ek mahine mai maximum kitni par paise jamaa kara sakti hu.. aisa kar sakti hu kya 5 taarik ko 1000, 11 taarik ko 1500 etc etc..
Yes Leena, aap aisa kar sakti hain.
Dear sir, meri beti ka account 1000 rup. pm khula hai. kya main next month se amount badha sakta hoon.
kya main per yearly 12000 . deposit kar sakta hoon.
Yes Pawanji, aap amount bada bhi sakte hain aur kam bhi kar sakte hain. Aur is yojana mein har mahine paisa deposit karna zaroori nahin hai.
sir which bank allows to open this a/c.as sbi told that dis scheme is only at post office only..pls provide the details
Hi Kush,
Banks are yet to start opening these account. Just wait for the start of next month, I think most authorised banks would start opening these accounts.
my child age is 11th year.
can i open this account?
and sujjest the child age open this account
Girl child born on or after December 2, 2003 is eligible for this scheme.
mein iss a/c me 12000 rs saal ka jama karta hu. yeh a/c kulwane ke baad kya har mahine iss a/c me paise jama karna jaroori hai. kya mein 3-4 mahine chod ke paisa jama kar sakta hu
Hi Deep, is account mein monthly paisa deposit karna zaroori nahin hai. Saal mein sirf ek baar paisa deposit karna zaroori hai.
Dear sir,
Going thru the tables, i find that yearly deposit of Rs.12,000 on Ist april every year yields a maturity of Rs.6,31,261/-.But a monthly deposit of rs.1000/-(which is equal to 12,000/-per year) gives a maturity of Rs.6,25,305/-only. I feel that a regular contribution of rs.1000/-P.M should yield higher Maturity than yearly deposit of same amount.pls. clarify.
thanks
No Sridhar, you are somewhat wrong in your calculation. Rs. 12,000 deposited in April 2015 will earn higher interest for the whole year and whole maturity period. While monthly contribution of Rs. 1,000 will earn lesser interest bcoz Rs. 1,000 will be deposited each month in April, May, June, July and so on.
Sir/Madam
Meri beti 31/2 years ki hay. mujhe 1000/pm. kab tak jama karne honge, aur final maturity kab milegi aur kitni milegi please detailed it.
Hi Sriom,
Ye yojana monthly deposit scheme nahin hai. Aapko saal mein sirf ek baar paisa deposit karna zaroori hai. Aapko 14 saal tak paisa deposit karna hai. Maturity amount account khulne ke 21 saal baad ya aapki beti ki shaadi ke time milega.
Can we deposit the monthly amount through net banking or green chanel(sbi) in SBI or have to deposit the amount physically?
SBI should provide online transfer facility once it starts opening these accounts.
Sir 3000 se acc.kholwa raha hu to kya agle sal bhi 36000 hi jama karna hoga ya adhik or kam ho sakta hai.jyda jama karne par jayda milega ya 1893000 hi milegakya72000 jama karne par two years ke liye ho jayga.yearly or monthly jma karne par different hoga.yearly jma karne ke liye kya karna hoga.
Rajeshji, aap deposit amount kam ya zyaada kar sakte hain. Zyaada jama karne pe zyaada maturity value milegi. Aapko har saal minimum Rs. 1,000 jama karna zaroori hai.
mein 12000 per year zma karna chah raha hoon meri beti ki age 11 year hi 21 ke umar mein iski maturity value kya hogi ?
Aapki beti ki age 21 saal hone pe ye account mature nahin hoga. Account khulne se 21 saal baad ya phir beti ki shaadi hone pe ye account mature hoga.
Its a good scheme
mein 12000 per year zma karna chah raha hoon meri beti ki age 11 year ( D.O.B- 13th jul 2004) hi 21 ke umar mein iski maturity value kya hogi ?
deposit kitny year tak karna hoga?
Hi Kumar,
Aapko 14 saal tak paisa jama karna hai aur account khulne ke 21 saal baad account mature hoga ya phir beti ki shaadi hone pe. Beti ki age 21 saal hone pe ye account mature nahin hoga.
Sir
kya hum har sal kabhi 10000 thousand to kabhi 5000 aisi kam jyada amount deposit kar sakte hai kya aur usaka maturity me koi farak padenga kya?
Hi Mahusudan, aap kam zyaada jama kar sakte hain, usmein koi problem nahin hai. Maturity value bhi aapke deposit amount ke according kam zyaada hogi.
Sar 17-04-2015 ko acc.khlwane par agle sal ka paisa kab tak jma karna hoga
April 2016 se March 2017 tak kabhi bhi kar sakte hain.
Yearly jma karna hai ki ek bar.10000 jma karne par 15 year me kitna milega.iska form kha milega
Saal mein sirf ek baar paisa jama karna hai. Maturity value ke liye upar table check keejiye. Iska form post office mein mil jaayega.
agar ladaki ki age 14 years hai to ye policy uske liye sambhaw hai
No Manoj, 14 saal ki ladki is scheme ke liye eligible nahin hai.
Sir, my sister wants to create an account for her daughter. Bcoz of some familier problems she is not living with husband. She haven’t her pan card or aadhar. Address proof ke liye hum me se kisika address proof chalega kya?
Hi Nagesh,
ID proof & Address proof parents ya legal guardian ka hi chalega. Aap legal guardian ban ke account khulwa sakte hain.
14000 k jame krne pr kitni value milegi aftr 21 yrs ke bad
1000×14=14000,,,,??
Nareshji,
Ye post check keejiye, it is approximately Rs. 52,944 – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
1-Sir is khata me aaj 50000 jma kiy to kya 2 month me bad 20000 nikal sakte hai.
2-18 or 21 sal ke bad bachhi ka chehra jo badal jayga or sign. jo nahi hai to kaise wah paisa nikalegi
Hi Rajesh,
1. Beti ki age 18 saal complete hone se pehle is scheme se paisa nahin nikal sakte.
2. Passbook, Birth Certificate aur declaration ke basis pe paisa nikaal paayenge.
1-sir 21 sal ke bad bachi ka chehra badal jayga aur signature bhi uska nhi hai to wah kaise paisa nikalegi
2-sir mai aaj uske acc.me 50000 dalu uske 2 month ke bad kya 20000 nikal sakta hu.
Respected sir
my sister is in abroad. she has one girl child aged 4yrs. how to open the account behalf the child? may i open it? kindly reply?
Hi Kangathara,
If she was born in India, she is not an NRI and you can become her legal guardian, then you can get the account opened for her.
Sir meri beti 07/01/2006 Ki hai lekin us samy mai gurgaon me tha an Delhi Bijwasan me rah raha hun uski janmpatri gurgaon Ki bani hai kya uski policy hojaygi note= lekin agar parants Ke sath kuchh mishepning hogya to us condition me government kya sahayta kategi ya us policy Ka kya hoga plz plz update sir
R/sir meri beti Ki DOB 07/01/2006 Ki hai mai 12000/pa jama karna chahta hun lekin Delhi Ki birth certificate nahin hai lekin ab mai Delhi me use padha raha hun kya yae uske liy possible. Hai UAR min kitane sal bharna hai ek aur bat agar policy start hogai aur parent’s Ke sath kuchh mishepning hogai us dauran us policy Ka kya hoga aur government kya help degi plz update sir
Hi Mr. C S Ray,
Yes, it is possible to get this account opened without Delhi’s birth certificate. 14 saal paisa deposit karna hai, saal mein kam se kam ek baar.
Koi mishappening hone pe Government kisi tarah ki exceptional support nahin karegi.
sir sirf 14saal tak paisa jama karna hai aur 18saal me 50nikal sakte hain
Yes, that is correct Shudhanshu!
Sir
Meri beati ki data of birth 1 July 2004 hai kyaa main ye yojana me beati ka account khol sakta hun please help me
Tell me full details.
Yes Sarop, aap apni beti ka account khulwa sakte hain.
Sir,
Kya ye insurance bhi cover karti hai..
Agar ye scheme 10 years chalane ke bad kuch anhonee hota hai thab jama paisa kab aaor kaise mile gas.
Hi Rajendra,
Is scheme mein koi insurance provision nahin hai. 10 saal baad agar kuch ho jaata hai to beti is scheme ko continue bhi kar sakti hai ya phir paisa nikaal bhi sakti hai.
Sir,
Kya ye insurance bhi cover karti hai..
Agar ye scheme 10 years chalane ke bad kuch anhonee hota hai thab jama paisa kab aaor kaise milegaaaaaa…
Sir ma ya Janana chata hoo ki ya scheme ma mujh koo 1000 yearly deposit karna hoga ya monthly deposit karna hoga or yearly 1000 deposit karna per 21years per kitna milage pls reply me
Sanjayji, is scheme mein saal mein kam se kam Rs. 1,000 deposit karna zaroori hai. Monthly deposit karna zaroori nahin hai. Maturity value upar table mein check keejiye.
Sir
Iske koi risk factor bhi he jaise is beech me gaurdion ki death ho jaye to ye amount kise mil sakta he.
Hi Rahul,
Death hone pe paisa beti ko milega.
Hi,
I have a question. If i deposit 10000 per month so as per table I will get after 21 year near about 62 lacks. So this 9.1% interest will calculate on monthly basis on 10000 or it will calculate on yearly amount which will be 120000 . Because 10k per month i will pay 16lack80thousand and in 21 year how can i get near about 60 lacks. This is the real calculation ,becuase no plolicy in this market is offering so much of retrun amount. many people of my company want to understand the calculation logic. We will be thankfull if you can provide this calculation logic with any example.
Thanks
Prashant
Hi Prashant,
Interest calculation done above is correct. You can do these calculations in excel. If you or anybody in your office knows financial calculations in excel, then it is easy to calculate these maturity values. Also, interest will be calculated on an annual compounding basis.
1-sir 18 or 21 sal ke bad bachi ka chehra bhi badal jayga aur uska signature bhi nahi hai to kaise paisa nikalega.
2-sir mai aaj uske acc.me 50000 dalu to kya uske 2 month bad 20000 nikal sakta hu.
Please massage jaroor bhege
Hi Rajesh,
1. Paisa nikaalte time birth certificate copy, passbook & declaration dena hoga.
2. Beti ki age 18 saal se pehle paise nahin nikal sakte.
sir
kya 14 year pure hone k bad bhi aage 21year tak rupees diposit kar sakte hai?
Hi Satyam,
21 saal baad hi to maturity amount milega, ya phir beti ki shaadi hone pe.
My daughter is ten.if she weds at 21 how many years I have to pay
11 years Arun!
My daughter date of birth is July 2004 can I apply dis policy plz tell me I m waiting for your message
Yes Sarop, your daughter is eligible for this scheme.
Sir, I am a govt employee…..
And mera transfer hota rahta hai..
So, kya ye account (scheme) transfer ho ga.. Kya ese online payment kar sakte hai..
Hi Rajendra,
Post office mein online facility nahin hai. But, agar aap bank mein ye account kholenge to aap online transfer kar sakte hain.
I have opened a account today my girls child @interest 9.2.If the next year @ interest is 9.5.Then which interest I will enjoy
For this year, you’ll get 9.20%. For next year, you’ll get 9.50%.
sir, I think this yojna is for child”s future ,but i am still confused about insurance cover in unfortunate event occure suddenly, what will happen of deposit amount ,please clarify
Hi Vineet,
There is no insurance cover in this scheme. If something unfortunate happens with the depositor, the girl child will get the money back. If she or somebody else wants to fund it, then she may continue this account till her marriage or maturity.
Sir ye yojana mein bhi lic ki tarah bond paper mikega ki sirf post office ki paasbook mein hi 14 saal tak entry hoti rahegi.
Hi Dhruv,
Passbook mein hi entry hogi, koi bond paper nahin milega.
mene 8 april 2015 me chalu kiya he . monthly 1000 rs. to agle mahine konsi tarikh me paisa bharu to acha rahega
Hi Rishav,
Is scheme mein har mahine paisa daalna zaroori nahin hai. But, agar aap har mahine paisa daalna chahte hain to 1-5 taarikh ke beech mein daalna achcha rahega.
Sir
Meri 2 judwa beti hai 6 month ki unke liye yearly agar ham 10000 +10000 jama Kaye to 21years me Kita miega
Hi Haider,
Maturity value ke liye post mein diya gaya table check keejiye please.
Sir,
Can I deposit 2years at a time? I mean
can we deposit several years at a time? If so..Ho many years??
No Sridhar, you need to deposit money on a yearly basis only.
incase within 14 yrs or after 14 yrs period if any account holder wants to withdraw the partial amount for child study purpose wheather they can draw the amount or not
A.Vijay anand
[email protected]
Hi Mr. Anand,
You cannot withdraw any amount for studies before your daughter completes 18 years of age. As she turns 18, she can withdraw 50% of the balance amount for higher education.
Sir, ye account hum SBI me kholwa sakte hai , agar hamari pahle se bhi account hai ,phir bhi ssy ka account khulega ya nahi ye clear kare ,
Sunilji, aap SBI mein account hone ke baad bhi ye account khulwa sakte hain.
SIR
MENE 3000RUPE TIMAHI SE KHATA KULWAYA HE ESME YE BATAO KI ME AB HAR TEEN MAHINE BAD 3000 RUPE DAL SAKTA HU YA KABHI KAM YA JYADA HO JAYE TO KOI DIKKAT TO NAI AYEGI OR 10 YA 5 DIN LATE HO JAYE TO KOI PALNTI TONAHI HE OR 21 SAL BAD MUJE KITNE RUPE MILEGE
Hi Ghanshyam,
Aap har 3 mahine baad Rs. 3,000 daal sakte hain, kam ya zyaada bhi daal sakte hain, koi dikkat nahin aayegi. 5-10 din late hone pe koi penalty nahin lagegi. 21 saal baad kitna paisa milega ye aapke deposit amount aur rate of interest pe depend karega. Aap upar table bhi check kar sakte hain.
sir
mene 3000/teen mahine ke hisab se khata kulwaya he me isme ye puchna chahta hu ki ham har tisare mahine 3000 jama kara sakte he 10ya5 din late ho jaye to palnti to nahi lagegi or ham 3000 se kam ya jyada jama kara sakte he or 3000 tin mahine jama karne se hame 21 sal bad kitne rupye milege
Hi Im Irfan Shaikh ,Kindly send me how this rate of interst calculated .
Hi Irfan,
Rate of interest is determined by the government.
Sir.
U r really a God. now a days people like u unable to find. app sabhi sawalo k jabab bday respect se dete hai..
well done sir.
being a solider I salute u…..
app jaise logo ko dekhkar lgta hai ki humara desh mei honesty khatam nhi hui hai
well done
Thanking you
keep it up
Thanks a lot Naresh for your kind words! This is the biggest compliment I have ever got in my life. Thanks again! 🙂
Do you have any information when it will be available in banks as currently they are not allowing
No Bharathi, I don’t have such info as yet. I’ll try to do a post as soon as I have any such info.
Hello Bharathi !
I have got this account opened in my daughters name in PNB Delhi. forms are now available in all the banks and PO.
Thanks & Regards.
Sir,
I have got this account in PNB Delhi. I have a savings account in the same branch.
Can I make the payment on monthly basis through ECS?
and
Will we get a Passbook ?
Looking fwd to hearing from you.
Thanks
Sanjay Mahani
Hi Sanjay,
Yes, you’ll get a passbook and online transfer facility with PNB.
Thanks a lot Mr Kukreja.
I have no word to express my gratitude to you. You are really a very humble person; who is very gracious in replying to each and every query on a regular basis.
Thanks again and God Bless you Mr Shiv Kukreja.
Thanks a lot Mr. Mahani for your kind and encouraging words! I hope God gives me more energy to serve people in a better way!
If yearly contribution is Rs 1000, then the accumulated balance after 14 yrs would be Rs 14000 only but your table shows Rs 28000. How is this calculated? Please explain
Hi Neelesh,
Rs. 28,593 includes interest earned on your yearly deposits. Please try this calculation in excel and you’ll get to know how this amount comes.
Sir,
Can I deposit back 2 years at first time and next per year deposit?
Example: My daughter is now Two years on the date 20-07-2015. I am start SSY on 20-07-2015. I deposit per year rs. 6,000/-
can i deposit Two years as 2014-15 and 2015-16 rs. 6,000/- + rs. 6,000/- + penalty of Two years? next 2016-17 rs.6,000/- on the date of 20-07-2016.
No Debashish, it is not possible.
Hello Sir,
I would lk to know if both parents become the depositor then can both of them get tax benefit.
Regards
Hi Gurpreet,
Yes, both parents can claim tax benefit as per their respective contributions.
Dear sir
plz tell me that who will be receiver for SSY Money after maturity if parent’s or guardian of girl child unfortunately disappears…
it will be thanks if you reply me
Hi Irfan,
The girl child will get the money on maturity or in case of any unfortunate event.
DEAR SHIV JI
I WANT KNOW ABOUT CLOSER OF SSY.
IN CASE 1. 21 YEAR
2. AFTER MARRIGE
3. DEATH OF CHILD.
IN SABHI MAMLO ME MATURITY CASH BACK KE BARE ME BATAYEN
THANKS
Hi Nilesh Bhai,
In all these cases, you’ll have to surrender your passbook with the post office/bank and they will provide you the cheque for the balance in your account.
MERI GUDIYA 7 YEARS KI HAI 1000 RS PER MONTH DEPOSIT KARNE 14 YEARS KE BAAD KITNA MILEGA
14 saal ke baad aapko maturity amount nahin milega. Maturity amount aapki beti ki shaadi hone pe milega ya phir account khulne se 21 saal baad.
SIR AMOUNT KITNA MILEGA AUR SHADI 23 YEARS KI UMAR M. HOTI H. TOH KITNA MILEGA
Sir my litlle sister date of birth is 13-8-2004. Can this same followed as I met the administration and they said some new rule had come due to which now she can’t open this account..??
Hi Ashfak,
No such “new rule” has come which would disallow your sister to open this account. You can register a complaint with the post master for the same.
what is the proof of suknya policy after depositing first installment
Hi Reena,
A passbook will be issued to you as a proof.
Hi sir good evening. Maine ye Account 1000/- se start kiya hai. Every year 1000/- toh deposit karna hi hai agar main saal main kuch aur amount deposit kar du like a in end of year amount rs 12000/- so pls tell me it is necessary that every year i have deposit 12000/- or 1000/- pls
Hi Pardeep,
It is not necessary to deposit the same amount every year. You can deposit any amount between Rs. 1,000 and Rs. 1.5 lakh as per your liking.
Sir, I want to open ssy account on my childs name, is it require to deposit a fixed amount per monthly/annually like if i start with 1000 per month , can i deposit 3000 next month and so on
Yes Srinivas, you can deposit any amount between Rs. 1,000 and Rs. 1.50 lakh as per your liking.
Sir. can I open the my relatives daughter account in this scheme.
You can do so if you are her legal guardian.
can i do ecs for sukanya samrudhi
As of now, ECS facility is not available.
My girl birth Date is 10-01-2005 Can i opened ssy account for her.
Yes Prashant, your daughter is eligible for this scheme.
Agar parent panch saal paisa jama karne ke bad kisiprakar se durghatna ya bimari ki wajah se dead ho jate hai to aage keya hoga
Parents ki death hone pe girl child balance withdraw karke account close kar sakti hai ya phir account ko fund karke continue bhi kar sakti hai.
Sir, meri beti abhi 9yr Ki hai 1000 monthly karata hun, to uski maturity 625303/- 21yrs mein us samye meri beti Ki umar 30 yrs hogi. Uski sadi mein 25 yrs karata hun to kitna paisa milega
Sorry Devendraji, main har individual case ki calculation nahin kar sakta. 14 saal baad jab aapki beti 23 saal ki hogi, us time aapke account ki value Rs. 339,874 hogi.
namasthe sir,
my daughters are 10 and 7 years old. we started 1000 per month on the scheme. after 21 years what is the amount we will taken back for 10 years baby and 7 years baby.
please inform me sir
Namaste Radhika,
21 years will be calculated from the account opening date. So, if you are opening these accounts today, then both these accounts will mature after 21 years from today and thus, both will have the same value i.e. Rs. 625,305.
Hi Sir,
Someone telling that in case of death of daughter in between, No amount will be paid to parents/guardians as there is no facility of nominee available in this scheme.
Hi Mr. Verma,
Though the nomination facility is not there, it is absolutely incorrect information that you’ll not get the balance money in case something happens to your daughter. The whole of the balance money will be paid to you in case of the girl child’s death.
sir ye batao meri baby ka janam 03/03/15 ko hua ha. kya 18 year ke bad uski shadi ke time 21 year ki maturity ka pura paisa milega becaise ac to shadi ke bad close ho jayega.
Nahin Saddam, 21 saal maturity wala paisa 18 saal mein nahin milega. Jitna paisa aapne deposit kiya hai, uspe interest add kar ke aapko paisa milega.
sir,
please suggest me about best child plans for girls like post office sukanya samridhi yojana……. etc. thankyou
Hi Gajju,
I think SIPs in equity mutual funds is good for long term wealth creation or meeting your financial goals.
Hello sir ye scheme modi government ne start ki hai
Agar next government isko close karegi to?
Hi Prashant,
Agar next government kuch karegi, to na aap kuch kar sakte ho na hi koi aur. But, I think aapko positive soch rakhte huye is scheme mein invest karna chahiye. Mujhe nahin lagta ki koi bhi government ek achchi scheme ko band karegi.
Sir, Good Morning . .
Now i m posted in Kochi .can i open th SSY account their n on completion of 21 yrs i will able to take th maturity anywhere in th India . . .
Regards
Hi Vijay,
You should open this account in a bank so that you need not transfer your account from one post office to another.
Sir meri child ki dob 16/9/2014 hair kya meai sukanya samrudhi yojna meai acc open larva sakta hu..air merit beti 21 seal ki hogi to paisa mileage ..
Yes Gautam, your daughter is eligible for this scheme. Paisa aapki beti ko uski shaadi pe milega.
Sir / Madam, my sister is now 8 years old. If I am open an account and start to deposit the amount then when maturity period gets end.?
And the second questions is, if my family decides to go for her marriage in the age of 21 year then, I should get full maturity amount? The reason behind asking second question is, because I am not fulfilling 14 years deposit criteria if deposit starts from 8th year of my sister’s age, So please advice me.!
Hi Tejas,
1. Your sister’s account will get matured in 21 years from the account opening date or whenever she gets married, whichever is earlier.
2. If your sister gets married at the age of 21 i.e. 13 years from now, then your sister will get interest only on 13 years of deposit money.
Sir, I want to know if any problem occurs during the period of deposit before 14 years from the date of a/c opening or we can’t deposit within this 14 years. Then what’s system of this yojana & what should we do.
Sir
yadi 9years ki bet h to 1000/-month kitane Sal tak is yojana main jams karana hai aur kitana dhan hamari beti ko milega pls tell me.
Danvirji,
Is scheme mein har month deposit karna zaroori nahin hai. 14 saal tak saal mein minimum ek baar deposit karna zaroori hai.
Maturity value ke liye upar pasted tables check keejiye please.
kya bich me paisa nikal sakte hai. sir
Beti ki age 18 saal hone se pehle nahin nikal sakte. 18 saal hone pe 50% paisa nikal sakte hain.
Sir agar iss yojna ke sath depositer ka lifecover insuarane withpremium waive facilty equivalent to last premium/monthly/yeary paid devided by one month to beti ka future safe ho jata
🙂 Good Suggestion Ajay! Waise aap alag se term insurance karwa leejiye, wo zyaada beneficial hai.
Dear shiv
If the girl child meets with an accident or dies.. what options are available?
Hi Alok,
In case the girl child dies, you’ll get the whole balance back.
Dear sir, I want to know about what is the last date of opening SSy account.
Or it is open any time or any day pl confirm me. Thanks a lot.
Hi Mr. Ram,
There is no last date as such for opening this account, you can get it opened whenever you want.
SIR G IS YOJANA KE TAHAT HAMARI 9 SAL KI HAI TO IS YOJANA MAIN HAMEN KITANE SAL TAK KIST CHALANI PADEGI AUR KITANA DHAN PRAPT HOGA.
Danvirji,
14 saal tak aapko paisa deposit karna hoga ya phir aapki beti ki shaadi hone tak. Aapko kitna paisa milega, ye nirbhar karega ki aap kitna paisa kab kab jama karte hain.
Sir,
my sisters twin daughters date of birth is 18 Feb 2005. Are they eligible for ssy scheme.
Yes Srinivas, both the kids are eligible for this scheme.
Sir, Meri 2 beti h. ek ka dob 20/02/2009 dusri two year ki h dono ko milakr 5000/- monthly JMA krna chahte kis beti ke acct. Pe kitna jama kre
Sanjayji, ye decision aapko lena hai, ismein mera suggestion kaam nahin karega.
Sir isme apka kya decesion hota
Rs. 3000 for elder daughter & Rs. 2000 for younger daughter.
SIR G!
HAMARI 9SAL KI BETI KE NAME SE 1000/-MONTH JAMA KARNA CHAHTE HAIN TO KITANE SAL BAD KITANI MATURITY MILEGI.AUR MERA AUR MERI BETI KA BIMA KITNA HOGA.
Danvirji, is scheme mein bima ka provision nahin hai. Maturity value ke liye upar maturity table check keejiye.
Jamshedpur ke kis SbI branch me S.S.Y . A/C OPEN KAR SAKTE HAI
KK Singhji,
Ye info aapko SBI se hi pata karni hogi.
Dob of my daughter is 25 sep 2004. I want to invest 10000 p/m. Up to which year I have to pay installments. If she gets marriage at 21 years ( after 10 years) then what will be the future of this scheme for me.
Hi Pradeep,
You need to make deposits for the next 14 years. In case your daughter gets married at the age of 21 years, then you need not make any further deposits. You can withdraw the balance and close the account.
SIR G!
HAMARI 9YEAR KI BETI KE NAM SE 1000/-YEAR JAMA KARANE PER KITANA DHANMILEGA. AUR KITANA BIMA HAM DONON KA HOGA.
Danvirji, is scheme mein bima ka koi provision nahin hai. Maturity value ke liye upar maturity table check keejiye.
Sir kya ye possible h ki 5 saal bad govt. Change hone par kya scheme band to nahi ho jayegi aur agar aisa hota h to us case mein kya hoga??
Shashankji, BJP government ne Congress ki kisi achchi scheme ko band nahin kiya hai, to mujhe nahin lagta ki ek government doosri government ki kisi achchi scheme ko band karegi.
hello sir
I want to invest 10000 p/m. pls tell me how much money i will recived after 14 yrs .
Hi Santosh,
This scheme is for 21 years and not for 14 years. Please check the table above for maturity values as per your contribution.
Maturity diposit date se 21 sal bad milega ya date of birth se 21 sal bad
Account Opening Date se 21 saal baad, ya phir beti ki shaadi hone pe.
My daughter is 10.7 years (born in Sep 2004). I am planning to invest Rs.1000/- pm, kindly clarify that the period of investment will be 21 years or it will be until my daughter attains age of 21 years. Thanks
Hi Heera,
This scheme will mature in 21 years from the account opening date or when your daughter gets married, whichever is earlier.
Hello Sir,
Is there any options to pay the amounts monthly once from my bank account directly?
Hi Chandru,
No, ECS facility is still not there for this scheme.
Sir rate of interest 9 % fix hai ya market ke according decide hoga. Amount Kewal 14 yrs hi deposit karni hogi kya.
Hi Satyanarayan,
Rate of interest har saal change hoga and paisa 14 saal hi deposit karna hai.
I have opened sukanya account in Post office , can i transfer it to Any bank such as SBI <PNB etc
Yes, you can do so.
Sir, main 5000 pm deposit karma chahta hun.kya mere SBI AC se swipe transfer ho sakta hai.
kya mere pas a ur paisa hone par main kana AC men dal sakta hu.
Is scheme mein ECS facility nahin hai, but aap online transfer kar sakte hain. Aap amount increase/decrease kar sakte hain.
Sir
Ye yojana madhyam varg se upar ke varg ki lagti he. Isme agar manthly 100 se bachat ho to garib ki beti ko bhi labh hoga
Me primary school ka principal hu me jab ye bat lekar parents ke pas gaya to muje e answer mila he.
Garib or madhyam var ki bat aap tak pohchana mera farz he
Or manthy amount ki gunti se is me koi naya muje nahi lagta. Or koi fayda bhi jyada nahi lagta.
Umeshdasji, is scheme mein Rs. 100 har mahine deposit kar sakte hain. Minimum Rs. 1,000 saal mein deposit karna hai, monthly nahin.
My daughter born in 2011.
Is she applicable for this yogna
Yes Mr. Harish, your daughter is eligible for this scheme.
koi fayeda nahin hain is scheme me, zara sochiye 21 saal baad agar aapko 5 lac maturaity amount milta hai(har mahine 1000 ke deposit pe) to 21 saal baad is 5 lac ki kya value rahegi…kuch nahi..5 lac barabar hoga uswaqt 5 hazar ke barabar…aur abhi hume 12ooo salana dena padega uswaqt ke 5000 rupye ke liye…
Meri ek salah hai jo main bataunga…apke attention ke baad..
Hi Mr. Sanaullah,
Main aapki baat se itafaak nahin rakhta, kyunki is scheme pe aapko 9.2% tax-free interest mil raha hai, aur average inflation 5-6% hai. Aapke paisa ki value inflation ki wajah se kam hoti hai. Agar inflation 5-6% hai, to aapke paise ke value bhi 5-6% giregi. Agar aapko 9.2% interest milta hai, to aapko 3.2-4.2% ka faayeda hai is scheme mein invest karne pe.
Agar main har saal 150000 jama karta hoon to mujhe kitne saal tak jama karna padega? Agar 14 saal tak to iska banega 2100000(21 Lakh)aur 21 saal baad mujhe kitna milega? Koi batade please?
21 Saal baad aapko milega Rs. 78,90,962.
Agar rate of interest 9.1% raha to.
kya mein har mahine 300/ 400 ? jama kar sakta hoon ya phir 500 hi jama karane honge please bataye
Yes Asharamji, aap Rs. 300/400 har mahine jama kar sakte hain.
Sir, sbi bank me es scheme ki bare me koi pata nahi.
Pls sir, mujhi ye bataye ki ye scheme sbi me nehi hai.
Aaor sbi me es account ko open karne ke liye kya karna paregaaa
Rajendraji, aapko sirf wait karni hogi, kyunki SBI ne abhi ye account kholne shuru nahin kiye hain.
Sir,
I know your new scheme of Sukanya Samrudi. I want to open one account. My chald age is 9 year. Give me information how much year installation to be deposited, and how much amount will get at maturity and what year
Hi Mr. Patil,
You need to deposit money for 14 years. Maturity will happen after 21 years from the account opening date or when your daughter gets married. Maturity amount will depend on your contribution.
Sir, monthly mode me JMA krenge 2-3 month ager gap ho gya to kya hoga bad me ek sath JMA kr skta hu ya nhi, kitne din ki gaping chal skti h
Hi Sanjay,
Is scheme mein saal mein ek baar deposit karna zaroori hai, koi compulsion nahin hai ki aapko har mahine deposit karna hai. Kisi month deposit nahin karne pe ek saath bhi kar sakte hain.
is scheme main mai monty deposit krni hai ya yearly ,agar mai 5000 yearly karta hu to after 21 years maturity kitna milega
Anilji, is scheme mein monthly deposit karna zaroori nahin hai, saal mein sirf ek baar deposit karna zaroori hai. Rs. 5,000 annual deposit karne pe aapko 9.2% interest se approximately Rs. 266,882 milenge – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
till now no bank opens this account. they r under dark.when can this scheme available in bank?
Hi Sayantan,
PNB has started opening these accounts, so you can visit the nearest PNB branch and inquire about it – https://www.onemint.com/2015/04/26/punjab-national-bank-pnb-branches-to-open-a-sukanya-samriddhi-account-ssa-pnbs-centralised-contact-number/
after 21 years the withdrawal power will in which hand? girl or parents?
The scheme is for the girl child, so she would have the withdrawal authority.
dear sir agar mein har mahine 100/200/300/400/500 ya jyada jama karta hoon to kan jyada rashi hone ke karan mujhe interest kam ti nahi milega please batayen
dear sir agar mein har mahine 100/200/300/400/500 ya jyada jama karta hoon to kam jyada rashi hone ke karan mujhe interest kam to nahi milega please batayen
Nahin Asha Ramji, kam ya zyaada deposit karne se interest kam nahin milega.
sir, agar 1st year 12000,2nd year 26000 i.e.different amount diya ja sakta hai.
Sir,mujhe yearly 36000 JMA krna h acct. Opening samy 5000 jma krta hun rest amt. Ek sal ke under jma kr skta hun
Yes Sanjayji, aap rest amount ek saal mein kabhi bhi jama kar sakte hain.
Sir schem puro hone par paise vapis lene ke lei kya document dene honge aur bhagwan na kare kisi ki beti ke sath koi durghtna ho jati hai tab bhi paise milenge.
My daughter is 9 years 6 months old. How long I will have to deposit if I want my daughter to be married at the age of 21? Please do a rough calculation for 50000
per year. Thanks.
My daughter born in jan-2010.
Is she applicable for this yogna?
Yes she is eligible. At the time of filling the form you daughter should not attain more than 10 years of age.
Dear sir…es yojna me monthly variable amount deposite ho sakti ha na?aur yearly income tex me rebet milega ki nhi…
Hi sir, thank you very much for your valuable answers. I need to know one thing sir. If i deposit in first year say 50000 and in next yr shall i increase it ?
Sir meri beti ka birth 2011 he 1000monthly ke hisab se 21 ke age me kiteney maturity milagi
Sir, I deposit 1000 p.m. in this scheme but I want to upgrade it yearly. Is it possible?
Yes, you can upgrade same however the threshold amount is 1,50,000/-. That means in one financial year you cannot invest more than 1.5 Lacs.
Sir may I know in which time that scheme will be start in state bank of India
can the account be continued after the marriage of the girl child,or the account wud automatically get matured.
Dear, sir meri daughter 2006 ka birth of date hai.to mujhy katnaye years paisa deposit karna hoga.aur kon say bank mai.mera a/c UBI mai hai.to kiya mai is mai apni daughter ka sukanya yojhna open ho sakhta hai.plz reply me
es acont me kitne din ke bad rupes nikal sakta hia
21 Saal ke baad.
Sir
my daughter is now 4 years old if I open a a\c aft 21 years my daughter becomes 25 years old but if I want get her marriage before 25 year for eg I want to marriage my daughter in 23 years than I get full maturity amount if I deposit 50000 yearly
sir,
I want to open ssa account but now not available in sbi,so i now want to open in post office. but later it can transfer to bank and how?
My daughter age is 9 year. Now I willing to open this account. I will deposit the money up to her marriage. When I prematured this amount what document required that time
Only a declaration by the girl child will be required to withdraw the amount and close the account.
Namaskar , mai 1.5 lakh ka deposit karna chahti Hu . To every year premium dena hoga ya ek hi baar 1.5 lakh dena hoga or agar every year premium dena hoga to kitna dena hoga or baby ke 21 saal ke baad kitne paise mileage .Please batane ka kast kare. Thanks
Namaskar Amita,
Ye scheme 21 saal ke liye hai aur aapko har saal minimum Rs. 1,000 aur maximum Rs. 1.5 lakh deposit karna zaroori hai. Amount kam ya zyaada kar sakte hain. Maturity amount aapke contribution pe depend karega.
sir,
i want want to open a/c with 1000/ per month.Can i deposit extra money in further months (i,e 1500/2000/2500, according to budget).Pl suggest.
Thanks
Yes Sanjay, you can do so.
hii sir, main aapse. ye puccha. chahta hu agar main monthly 1000 rs deposit krta hu aur bich bich month me main kabhi. 2000. ya 3000 ya 5000 rs jama. krvta. hu 14 saal. tak to main jama. krva. sakta. hu plz batye
Yes Rakesh, aap beech beech mein Rs. 2000, Rs. 3000 ya koi bhi amount jama karwa sakte hain.
Sir
Me ye janana chahta hu ki agar baby 7 years ki ho gyi ho to abhi nya a/c khulvane pr kitne rupees jama karvane honge
Plz tell me sir
Madan Nathji, aap Rs. 1,000 aur Rs. 1.5 lakh ke beech mein koi bhi amount jama kar sakte hain.
I have opened an account in post office under the sukanya samrudhi yojana .Sir can i deposite money to any other post office branch?
No Mr. Narwade, you cannot deposit money in any other post office.
Agar me har month 2000/-Rs deposit karta hu to ane wale samay me isko kam ya jyada kar sakte (change karne ke liye koi time limitations to Nahi hr) pl reply
Yes Pravesh, aap amount kam ya zyaada kar sakte hain, koi limitation nahin hai.
Dear sir,
my daughter birth is 4th may 2015 can I open the account plz reply
Yes Pradeep, you can do so.
i have started sukanya samirddhi account in post office. This is monthly paying terms and my question is can able to change to yearly mode after few years
There is no compulsion that you need to deposit money every month.
Let me know if I de0osit in ppf also 1.5 lac can 8 getinterest tax free in SSA
Your query is not clear Poonam.
Sir ji kya yee scheme Wakai mai benefited hai yaa khud separately har saal alag se khud jama karna se jyada kyada hoga
Aapki query clear nahin hai Sanjay.
ladki ki shadi se phle paise milenge ya baad me, or us waqt kya marriage certificate ki zaroorat hogi..
Shaadi se pehle paisa nikaal sakte hain. Paisa nikaalne ke liye ladki ko shaadi ke time declaration deni hogi.
sar ji meri ladki ki umer 2-5-15 Ko 10 Year ho gai kya uska bima ho sakta he agar ha to post office ya bank me plz reply
Hello Sanjeevji,
Sukanya Samriddhi Yojana mein bima nahin hota. Ye ek investment scheme hai, jismein aapko 9.20% rate of interest milta hai. Aapki beti is scheme ke liye eligible hai.
Sir.what’s about nomination facility in this yojna & who is eligible for that ?
Hi Rakesh,
Nomination facility is not there in this scheme. In case anything happens to the girl child, parents or legal guardian will get the whole balance.
Hi, My daughter was born in August 2013 in New Zealand. But she isn’t citizen of New Zealand. She has an Indian Citizenship. But the birth certificate was issued by New Zealand Government. So can I open an account for my daughter? Thanks
Hi Shilpa,
It is still not clear whether a girl child born outside India is eligible for this scheme or not. You’ll have to wait some more time to get further clarity in this matter.
Sir
My daughter is 4.5 years old now if I start depositing Rs 2000/- per month means Rs 24000/- per year at present ROI what total amount I have to deposit for how many years (under this scheme) and on maturity what amount I would get,and on which year?
thanks
alok
Hi Alok,
You need to deposit money for 14 years from the account opening date. Minimum amount to be deposited is Rs. 1,000 in a financial year. However, it is up to you how much you want to deposit every year. Your daughter will get the maturity value on her marriage or after 21 years from the account opening date, whichever is earlier. For maturity value, please check this post – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
In case agar bacchi ka 14 saal deposite se phle agar death ho jaye tab maturity amount ka Kya hoga??
Hi Manas,
Jitna balance account mein hoga, wo interest ke saath parents/legal guardian ko mil jaayega.
Dear sir meri bet I ka janm 2-12-2005 ko hua hai Maine sukanya account 2-5-15 ko khola hai kya mai Jan sakta hu 2033 me 18 saal bad kitna paisa milega per month 6000 me hisab se
Rakeshji, 18 saal baad ye account mature nahin hoga, 21 saal baad mature hoga.
sir….plz tel me which s better option for me…..ppf or ssy…
Hi Sandeep,
I don’t know which scheme is more suited to you as per your financial goals, but I think SSY is a better scheme overall as compared to PPF.
My daughter born in 08-05-2004.
Is she applicable for this sukanya samriddhi yojana
Yes Jyothi, your daughter is eligible for this scheme.
Sir. Meri daughter ke date of birth 21 Oct 2004 hai kya is ka acct khol shalt a hu pl give me suggested
Sir
My daughter date of birth 21/10/2004 hai kaya is ka acct khol sakta hu
Hi Shyam,
Your daughter is eligible for this scheme.
Merit beti abhi 9saal ki hai agar main 1000 yearly deposit kroon to mujhe 21saal baad kitne milenge air hmein kitne saal take pause deposit krne hinge
Hi Jagriti,
Aapko account khulne ki date se 14 saal paisa deposit karna hoga aur 21 saal baad ya beti ki shaadi hone pe maturity amount milega. Maturity value ke liye upar table check keejiye.
Sir, this scheme is so good but I have a question that if scheme payer that is parent or guardian who pay amt for 14 years, if any accident or this payer has no more before 14 years who rides this scheme and if payer pays 10 years amt is any clause in this scheme that how the girl child get their amt. Please clear this doubt.
Hi Mr. Rajendra,
If some unfortunate event results in parent’s or legal guardian’s demise, then it is up to the girl child whether she wants to continue with the scheme or withdraw the whole balance.
sir mai..18 ki hu toh mai accont open kr skti hu
No Srishti, aap is scheme ke liye eligible nahin ho.
Dear sir agar m 3000 p/m deposit karu to muje machorty value kitni milegi
Hi Ravi,
It would be approximately Rs. 19,03,961 @ 9.20% per annum – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
how much i will found money after 14 year…after then deposit 2,52,000
Your query is not clear Nitu!
Operational queries:
can i open this at any post office?
Can i open at a post office and if i relocate do i have to get account transferred?
Can this be operated between a bank and postoffice i.e. as public sector banks also offer this i should be able to transfer amount at a bank into the scheme even if i opened at post office. Is this possiblE?
I go to post offices and get very rough responses on this scheme As these guys r too busy to answer simple queries.
and all banks are not ready for this scheme.
Thanks
Shrikant
Hi Shrikant,
1. Yes, you can get it opened at any of the post offices.
2. Yes, you’ll have to get it transferred.
3. Yes, it is possible to transfer your account from a post office to a bank branch.
Though 9.1% is max
what cud b min intrst that is possible on this scheme?
Will interst b announced every financial yr start?
Nomination might be possible?
Shrikant
1. There is no cap on the interest rate offered. But, going by the indications, it will remain the highest tax-free rate of interest, even above the PPF rate.
2. Yes, rate of interest will be announced in March every year to be applicable w.e.f. April 1st of every financial year.
3. Nomination facility is not there in this scheme as the parents/legal guardian will receive the balance in case of an unfortunate event.
Ager warth certificate na ho to kya account khola ja sakta hai kya,,,,, beti goth le gayi hai
Hi Sumi,
Birth Certificate mandatory hai, but is situation mein koi alternative hai ya nahin, ye aapko post office se pata karna hoga.
Dear sir ,is there any liquidity window in between , can I take money partial in case of sudden req . Also 9.20% is this yr interest rate … How can we assume it to remain same till 21 yrs what if each yr rate of int goes down … I read your cal basis rate remain fixed … To 9.20 … But dis will vary each yr …. Possibility of lower int rates are higher .
Hi Akanksha,
There is only one window of partial withdrawal and that is when the girl child turns 18. You can withdraw 50% of the balance in the account at that time. Also, I agree with you that there is a very high probability of interest rates getting lower in subsequent years. But, that is the only option I have. I can assume only 9.20% interest rate for my calculations. If you can suggest any better method of doing such calculations, then please let us know.
agr ladiki 14 years ho to uska account khola ja sakata h kya. …
Nahin Supriya, 14 saal ki age mein account kholna allowed nahin hai.
Dear sir,
if my daughter 9 years old ,i deposit emi till 14 year . what is maturity date ?
Hi Sanjay,
If you open this account today, then you need to deposit money till 2029 & maturity year would be 2036 or when your daughter gets married, whichever is earlier.
sir , tell me if a child is about 10 years old and deposited only 4 years and at same time a 1 month old deposited 14 years same premium the maturity amount will be same for both of them or vary accoring to the amount
Hi Amit,
You need to deposit money for 14 years from the account opening date and not till your daughter attains 14 years of age. If the same amount is deposited in both the accounts for 14 years from the account opening dates and that too on the same dates, then after 21 years, the maturity amount will be the same in both the accounts.
Dear Sir,
Ager kisi parent ke sath 14 barsh se pahele kisi hadse main maut jaye. aur is aage ki rasi koi jama na karne wala ho to kya option hai pls batain.
kya ismain bachchi ko 21 saal hone per puri rasi milege. kripa kar marg darshan karain.
thanks
Hi Mr. Arvind,
1. Is case mein beti ko balance amount with interest mil jaayega. Agar beti khud hi contribute karna chahe, to kar sakti hai.
2. Beti ko balance amount account khulne ke 21 saal baad milega, ya shaadi hone pe.
Sir ye btaiye ki Jo ye yojna hai 14 yers jama karne ke bad kitne sal bad paisa mil jayega
Hi Chandrashekhar,
Account khulne ke 21 saal baad paisa milega, ya phir beti ki shaadi hone pe.
Hi
Which all banks are opening this account
I hv asked Canara bank , Punjab Sind bank hdfc , axis but they all are saying no to this scheme
Can u plz tell me any bank in south Delhi where I can open this account
Hi Sudhir,
Please check with PNB & IDBI Bank, they are opening these accounts for sure.
Dear sir merit ladki today 21 months ki h to uska acc.1 year base par khulega ya 2 year base yadi m acc.aj ki date me open karu to
Hi Ravi,
Mujhe nahin lagta ki 1 year base, ya 2 year base se is scheme pe koi farak padta hai. Ye information aapko kisne di hai?
Sir agar m post office me acc.khulwa deta hu or uske bad yahi scheme SBI me aa jati h to kya m apna acc.SBI me transfer karwa sakta hu
Yes Ravi, aap apna account post office se SBI mein transfer karwa sakte hain.
Hii…i need some information regarding payment…my bava is not so good if we put the amount on his name definately he will withdraw it and waste it…so do i have any chance to put the amount on my name so that the amount paid by me will be safe and it should be withdrawal only after my confirmation….play help me guys
Hi Purna,
Girl child will have the complete authority on the maturity amount, so your father would not be able to withdraw it and waste it.
Without parents confirmed is this possible r not…bcoz parents arent good…i wanted put the money under the guidance of mein…is this will be possible
Is there possible, after 2 or 3 yrs. Change the deposited amount? Sappose now i m deposite 3000 rs/ month & after 3 yrs. I want increase the deposite amount for 5000 rs / month. Is it any process for the same??
Yes Umesh, you can change the amount any time you want. There is no requirement of any process or form to do that.
Very good yojna
Yes, it is a good scheme.
Sir,
Maine apni daughter ka post office me ye account open Kara chhuka hooun. But, Kya sir mai es yogana ko sbi bank me aane se ek aaor account open Kara Santa huoon….
Aaor ye yogana sbi bank mai kab tak aa rahi hai….
Hi Mr. Rajendra,
Ek beti ke naam pe sirf ek account khola ja sakta hai. SBI kab se ye accounts kholega, iski information mujhe bhi nahin hai.
Sir jab m post office gaya or mane investment or maturity table dikhane ko kaha to muje bataya ki hamare pass aisi koi table nahi apko puri jankari online pata karni hogi to kya aisa hi h sir ya fir unko abi avlable nahi hua h sir
Hi Ravi,
Yes, is tarah ka koi table government ya postal department ne issue nahin kiya hai. Jo table upar article mein pasted hai, wo kuch assumptions ke basis pe banaya gaya hai, including fixed interest rate of 9.20%. Is scheme mein interest rate 9.20% fixed nahin hai, ye rate har saal March mein revise hoga.
Sir aj mane acc.open kiya m 3000/m karna chahta tha par mere ko bataya gaya ki acc.only 1000 se hi khol sakte h Jo ki yearly hoga iske bavjud ap monthly deposit kar sakte h kya acc.thik open hua sir please muje samjaye.
Yes Ravi, aapka account theek open hua hai. Account khulne ke baad aap additional paisa jama karwa sakte hai, jitni baar aap chahen.
Good schme
R/sir my question is agar parents Ke sath kuchh mis hepning hogya to policy Ka kya hoga plz mujhe batayn mob 9871168704
In case of any mis-happening with the parents/legal guardian, the girl child could either withdraw the whole balance and close the account or continue funding the account till maturity, whatever suits her.
Hi all,
Pls clarify my doubt. Shall I invest Rs 1000 for first month and Rs 2000 or Rs 3000 for the second month.
Shall I slowly increase my investment month wise.
Is there any option available in SSY . Please help.
Hi Rajesh,
You can very well increase your contributions in the above manner. It is up to you how you want to contribute.
Sir mai acc khulwane ke liye 18000 Hajar rupye de diya hu wo bol rahe the ki kam se kam 1 Hajar mahina dalna padega maine bola ki aisa nahi h 1 Sal me kam se kam 1 Hazar dalna jaruri h wo bol rahe the ki 14 Sal me 1lac 64 Thousand dslna jaruri h kya ye bat sahi h yadi me is sal 18k diya hu aur agle sal 1 K diya to kuchh prob to nahi h n Ya fir Next 13 Sal 13k du to
Hi Akhilesh,
Kam se kam Rs. 1,000 har saal daalna zaroori hai, zyaada daalenge to koi problem nahin hai.
Sir Maine 1000 rs she khata open kiya h or M es hisab se paid karna chahta hu ki yearly 36000 jama ho jaye to maturity kitni milegi or. Yadi kisi karnvas ladki ki death ho jati h to scheme ka kya hoga or us time maturity kitni milegi please clear it
Aap kab kab paisa jama karte hai, maturity value uspe aur rate of interest pe depend karegi. Agar ladki ko kuch ho jaata hai, to balance paisa aapko mil jaayega.
Dear sir m gov.job me hu hamara yearly income tax katta jata h kya ye yojna mere liye helpful h yanahi jaise ham LIC ka recipit jama karte h to tax kam ho jata h
Is scheme mein bhi Section 80C ke under tax exemption milega.
Sir m gov.job me hu hamara yearly income tax katta jata h kya ye yojna mere liye helpful h jaise ham yadi LIC ka recipit jama karte h to tax kam ho jata h.
Sir yadi acc monthly base pe open ho jaise her month paise dalna ho agar her month nahi dal paye ya fir 1 Sal me 1000 Hi dal paya us condition me kya hoga plz btaye
Is account mein monthly base pe paisa daalne ki koi compulsion nahin hai.
Sir Mere friend ki ladki ki DOB – September 2003 h or 2nd ki march2005 h kya dono ka acc.khol sakte h
Nahin Ravi, badi beti ka account nahin khul payega. Sirf chhoti beti ka account khul sakta hai.
Sir 11 may ko Meri beti huyi h.iske account kaise open hoga
Hi Virendra,
Post office visit keejiye with baby’s birth certificate, your id proof, address proof & two photographs.
mari friend ki beti 18 sal ki he kya uska a/c khol sakte hai.
No Sheetal, 18 saal ki girl is scheme ke liye eligible nahin hai.
1. What if one is unable to pay the amount each month and there’s a gap, but the person resumes paying after a few months? Will it stay valid?
2. What if the girl doesn’t get married by the age of 21 [which is a high probability in current times], can parents/she withdraw the entire amount?
Hi Preet,
1. It is not required to contribute money to this account on a monthly basis. Once in a year contribution is perfectly fine.
2. This scheme will not mature as the girl turns 21, it is for 21 years from the account opening date or when the girl gets married, whichever is earlier.
Is this scheme applicable only in Delhi/NCR or all over India?
It is applicable all over India.
Hi Shiv,
mere bati k date of birth 3 march 2001 hai kya uska Account open ho sakta hai??
Hi Naina,
Aapki beti is scheme ke liye eligible nahin hai.
Dear sir Maine jab acc.open karwaya to acc.type me SSA likha gaya jabki m site check karta hu to kai jagah SSY likha hua h in me se konsa type sahi h
SSA is the correct name for this account.
Dear sir
I have already invested in sukanya yojana of Rs 30000/-per year.
But I have a query that if insured daughter expire in any accident within 15 to 21 years then who will get the total amount invested.
Please solve the query .I am too much worried.
In that case, the depositor (parents or legal guardian) will get the balance amount.
Sir kya ham es acc.ko online check kar sakte h or kis website par
Agar aapka account bank mein hai to aap net banking ke through is account ko check kar sakte hain. Post office mein online facility nahin hai.
Sukanya samrudhi yujana
Sir mera daughter ka age abhi 10 sal he.abhi hum monthly 1000 khulne se kitna milega..or kitne sal dena hauga.
14 saal paise deposit karne honge. Maturity value ke liye upar pasted table check keejiye.
If i change the deposited amount in furture than in the maturity amount will be consider according to change amount or not?
Always Umesh, your maturity amount will be as per your contributions and the variable rate of interest. Maturity values in the table above are only for reference and are based on many assumptions.
Sir ye ac kis bank me open ho raha ha ab..secnd i m govt employee .to kya muje office mein ac open ki intimation/ permission leni padegi
Hi Gagan,
PNB & IDBI Bank ne ye accounts kholne shuru kar diye hain. Please visit any of their branches to get this account opened. Also, aapko is account ke liye kisi permission ki zaroorat nahin hai.
Me monthly bharana chahata hu to 1 seal me vadhare Ketala bhari saku?
Rs. 1.50 lakh maximum.
my baby birth is on 03-10-2012. is it applicable for this scheme. i want to open two a/c. one account will open in bhihar state & other a/c in kolkata with same name. is it possible to open two account with same name two other states. please give reply as soon as possible.
Thanks
ASHA NAND
Yes Asha,
Your daughter is eligible for this scheme. But, you cannot open two accounts in her name.
??? ???? ???? 10 ???? ?? ???? ??? ??? ???? ??????? ????? ?? 3000 ????? ????? ??? ??? ???? ?? ???? ????? ???? ??? ???? ???? ?? ???? ???? ?? ????? ????? ???? ?????? .pls.??????.
what is the min age to open this a/c……………
Sir maine 18000 Diya tha acc khulwane ke liye bt aap bolte ho ki 1st time 1000 Hi lagta h acc khulwane ka aur mera passbook bhi aa gya h to kya mera acc khula h achha se ya fir prob h kya isko hum net pe check kr sakte h aur online paisa jama kr sakte h plz sir btaye
Dear Sir,
Monthly deposited 2000 rs. after maturity 21 years what amount received & also Amount kitna Year Bharana Rahaga
Hi Sadhana,
Amount 14 saal jama karna hoga. Rs. 2,000 monthly deposit karke 21 saal baad 9.20% interest ke according aapko Rs. 12,69,307 milega.
Hindustan me hindi bhasha ko ??????? Me darshane ke liye dhanyawad.Ab main vishaye pe aata hun.aisa hai ki meri beti 10 year ki honewali hai agar main Rs.3000/- per month jama karun to mujhe kitna saal tak jama karna hoga aur Maturity ke baad ki rakam kitna hoga saath hi paisa kab mileGa purna jaankari dene ki kripa karen.
Hi Deepak,
Aapko 14 saal paisa jama karna hoga, yaani aapki beti ki age 24 saal hone tak. Rs. 3,000 monthly & 9.20% rate of interest ke according, maturity amount Rs. 19,03,961 hoga – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir mainevacc open ke liye 18000 Diya tha jabki aap bol rahe h ki 1000 Me acc open hi jata h to kya mera acc sahi se open hua h pasbook me entry bhi ho gya h 18000 Ka kya mai ise online check kr sakta hu ki nahi ki entrybacc sahi ohula h aur online premium bhar sakye h ki nahi
Hi Akhilesh,
Aap is account mein ek saal mein Rs. 1,000 se Rs. 1.50 lakhs jama karwa sakte ho. So, aapka account theek khula hai.
Kya online check kar sakte h ya premium bhar sakte h
kya acc online check kar sakte h and premium inline bhar sakte h
kya online acc check kar sakte h and ionline premium bhar sakte h
Hi Akhilesh,
Post office mein online facility nahin hai, but banks mein online facility available hai.
Sir
Hamko twin baby hai dono ladki e donoka 8 years hai dononka account kgolsakte hai kya ab account khuleto ladkionka age 14 anetak hi bharna ya pura age aour 14 Sal bharna kya jab paise kitna milega mantly Rs 1000 x 2
Yes Veerashetty, aap dono betiyon ka account khulwa sakte hain. Aapko account khulne se 14 saal tak paisa deposit karna hoga.
Sir mai apni sister ki ladki ka acc 1000pr month khulbana chahta hu to kya mai mpaise jma kr skta hu …aur kaise kya paise online jama hoge wo log uneducated h….
Hi Rohitash,
Agar aap legal guardian banke account khulwana chahen, to aap paise deposit kar sakte hain. Aap post office/bank ja ke amount deposit kar sakte hain.
Shiv ji meri bhatigi 10 saal ki hai . agar uski marriage 21saal me ho ; to 5000 yearly she kab bharna padenga ..air return kitna air kab milenga
Shiv ji meri bhatigi 10 saal ki hai . agar uski marriage 21saal me ho ; to 5000 yearly se kab tak bharna padenga ..aur return kitna aur kab milenga
Hi Chandesh,
Agar aapki bhateeji ki shaadi 21 mein hoti hai, to aapko uski shaadi tak hi paisa deposit karna hoga. Shaadi ke time aap saara paisa withdraw kar sakte hain. Return aapko rate of interest aur aapke contribution ke according milega.
mere bache 5years ke ha agar me 2500. monthely pay karta hu to kitna melaga.
Maturity value ke liye upar pasted tables check keejiye.
Hiiiii….
Merit beti 1 saal ki h. Kya hum uske liye is yojna k under account khol skte hai. Or iske liye Hume kha jaye? Bank ya post office?
Hi Sivani,
Aapki beti is scheme ke liye eligible hai. Aap nearest post office ya bank mein ye account khulwa sakte hain.
Ham apani beti ka post office me 1000 per month kra rakha hai but abhi tak ye samgh me nahi aaya ki hame kab tak bharana hai.please tell me .aur kitana bharana padega aur hame kya milega.
Manojji, aapko account khulne ki date se 14 saal tak paisa deposit karna hai. Aapko 9.20% rate of interest milega. Jab aapki beti ki shaadi hoti hai, to aapki beti ye paisa nikaal sakti hai.
Hi
After your advice I checked with IDBI bank NFC branch but they said no to this scheme
Could you please tell me any bank name and in which branch are they opening this account
Thanks
Hi Sudhir,
This is confirmed that IDBI Bank has started opening these accounts, but I am not sure which branches of IDBI are opening these accounts. You need to confirm it with the bank itself. Moreover, one of the readers has informed us that even SBI has started opening these accounts w.e.f. May 16th. All SBI branches, which service PPF accounts, will also open SSY accounts.
hi shiv, kya mai initially 5000 per month se shuru kr skta hu aur bad me monthly amount increase kr skta hu. like 2 3 saal 5000 per month aur uske bad 12500 per month?
Hi Rajesh,
You can do so, there is no problem in depositing money the way you want to do it. But, to clear doubts, is scheme mein monthly paise deposit karna zaroori nahin hai.
Hi
Sir g is scheme me hum 14 saal tak hi paise deposit kr skte hai ya fir 14 saal k baad 21 saal tak b paise deposit kr skte hai..
Or agar hum deposit kr skte hai to 21 saal me maturity k time kitna amount milega yagi hum saal k 50000 deposit krte hai to..
Please replie. ..
Hi Gaurav,
Is scheme mein sirf 14 saal tak hi paise deposit kar sakte hain.
Hi sir,
MY daughter age is six . if she got married at the age of 22 .then she will get money in her account.please clarify me if she get money before her marriage or after her marriage
Hi Deepak,
There is no written information provided for the same. But, I think it will be allowed to withdraw the balance amount before the marriage.
Sir meri beti abhi 2 year ki h.. is account me monthly 1000 amount Jama kar skate h. Ki year me ek bar me 12000/- jama karna hoga…
Or yadi beti ki marriage 20 year me ho gai to ye amount mileage..
Hi Ajay,
Is scheme mein saal mein sirf ek baar paise deposit karna zaroori hai, minimum Rs. 1,000. Beti ki umar 18 saal hone ke baad kabhi bhi shaadi hoti hai to poora balance amount with interest mil jaayega.
kya SSY me monthly ya yearly installment jaruri hai ya PPF ki tarah sal me kabhi bhi jakar paisa jama kar sakte hai.
Hi Ajay,
Ye account PPF ki tarah hi hai, saal mein sirf ek baar deposit karna zaroori hai. Kabhi bhi paise deposit kar sakte hain.
Sir mujhe apni beti ki ye policy karwani hai par meri beti ke birth certificate par mera name sahi hai or wife kaa naam galat hai to sir agar me apne naam Se account open karna chaoon to yoga yaa nahi sir
Krishanji, jab aapka naam sahi hai to aap ye account bilkul khulwa sakte hain, koi problem nahin hogi.
Sir ye policy kis bank Se karwa sakte hai pls tell me
SBI, PNB & IDBI Bank ne ye accounts kholne shuru kar diye hain.
forms for SSY are not available in any SBI branch. How can I get form. If you have then please upload the SSY form.
Hi Ajay,
We do not have the form which belongs to the SBI only.
My sister’s daughter is 7 years old & as per plan we have to invest for 14 years. So 14 years is the date counted from account opening or when child attend 14th year.
Maturity will be on 21 year. If our child gets married in the age of 23 what will be the maturity amount if the monthly investment is of 1000Rs (we would deposit just for 14 years & on the 15th year child would get married )
Hi Vikas,
14 years will be counted from the account opening date. Also, sorry, but we are not doing such individual calculations.
My daughter is one yr old. So wanted to know what is the maturity value if i invest 3000 per month
Hi Veena,
Please check the table above for maturity values.
Shiv kukrejaji namaskar, my daughter d.o.b. 4 Dec.2011. my 1 question- -agar mai 25000 rs yearly deposit karwata hu to mujhay ye kab tak jama karwanay hongay?or maturatiy per total amount kya milega? Kon say year tak mujhay jama karwanay hongay? My 2 question –in rare case parents ki death maturaty say pehlay ho jati hai to to us doran kya hoga. My 3 question — in rare case maturity say pehlay ladki Kay kuch ho jata hai to amount kab or kitni milegi. My 4 question –per year same amount hi jama karwana hai ya kam jayda bhi kar saktay hai?
Hi,
1. Aapko paise 14 saal tak jama karwane honge, yaani 2029 tak. Maturity amount ke liye upar pasted table check keejiye.
2. Parents ki death hone pe beti ke paas option hai ki ya to wo saara paisa nikalwa le, ya phir is account ko contribute karke continue rakhe.
3. Beti ki death hone pe saara paisa depositor ko mil jaayega.
4. Rs. 1,000 aur Rs. 1.50 lakh ke beech mein kitne bhi paise jama karwa sakte hain.
chanchal sir meri beti ki d.o.b 16/10/2003 hai kya hum iss ssy kar saktey hain
No Kritika, your daughter is not eligible for this scheme.
Sir 1 question ,ye amount maturity per to milega but after girl marriage or before girl marrige.
Jitendraji, aap ye amount shaadi se pehle withdraw kar sakte hain.
sir,men is yojana se yearly 1000se lekar koi bhi amount deposit kar sakta hun kya ….pls sugest me.
Suryaprasadji, deposit amount ek saal mein Rs. 1,000 aur Rs. 1.50 lakh ke beech hona chahiye.
sir, kya bank ke liye koi for form nahi. Mein SBI, PNB, and syndicate bank me pata kar chuka hu scheme start ho gayi hai par kise bhi branch me SSY ke liye koi form available nahi hai.
Ajayji, usually sarkaari banks mein staff customer-friendly nahin hota, isliye customers ko dikkat hoti hai. Scheme shuru kaise ho gayi agar bank branches mein forms hi nahin hain. Forms ki wastage rokne ke liye bhi ye banks mana kar dete hain ki forms nahin hain. Aap ye form print kar ke bank le jaaiye, ho sakta hai ki bank accept kar le – http://rbidocs.rbi.org.in/rdocs/content/pdfs/494SSAC110315_A3.pdf
meri abhi ek hi beti hai, do din pahle maine post office mein maine SSY kholwaya hai kya main ab IDBI bank se SSY mein bhi ye a/c kholwa sakta hoon. ek hi naam se post office or IDBI mein a/c open karna galat to nahi hoga na.
Hi Aatish,
Aap SSY ke under 2 accounts nahin khulwa sakte.
Thanks shiv ji
You are welcome!
Sir, kya SBI bank me bhi interest rate 9.2 hoga.
Sir, SSY ka sbi bank me koi Form nahi hai aor na hi koi rule & regulations. Es ke liye kya karna hoga…
Yes, SBI mein bhi iska rate of interest 9.20% hi hai. SBI ka staff keh raha hai ki 5-7 working days mein bank branches account kholne shuru kar denge.
Hello sir
Good morning
Sir maine post office me lagaye gye is yojna ke poster ko padha to usme likha tha ke 14 saal k baad hame surf aadbhi(1/2) rakam hi milegi.
Krupaya aap hame is vishay pr puri jankari dijiye.
Hi Kamlesh,
Aapki jama raashi ka 50% (with interest) beti ki age 18 saal hone pe aap nikaal sakte hain. Baaki balance aapki beti ki shaadi hone pe, ya account khulne ke 21 saal baad nikala ja sakta hai.
sir
please tell me this plan covers life insurance
No Achyutananda, this scheme does not have life insurance coverage.
Sir, I want to know that the tax exempted for interest is for only one FY or totally. Please clarify.
Hi Puneeta,
It is tax-exempt for the whole tenure.
Dear sir,
My daughter age is now three months .Is she eligible for this scheme .
Yes Sabu, your daughter is eligible for this scheme.
Sir ,ye scheme kab say launch(start) hui hai.or kab tak rahegi.I mean last date kya hai?
hi dear
Agar hum ye scheme keesi karn vash beech me hi band karni padh sakti h to bhi last mh wo pasa Kinna milega
Hi Mr. Rattan,
Aap ye scheme beech mein band nahin kar sakte. Aapko 14 saal tak is scheme mein invest karna hoga ya phir beti ki shaadi hone tak.
Hi Jitendra,
Is scheme ki koi last date nahin hai.
Dear Sir,
Muze har month fix amount deposit karna padega kay a/c mai
Hi Vinay,
Is scheme mein har month paise deposit karna zaroori nahin hai. But, agar aap har month deposit karna chahte hain, to ye zaroori nahin ki ek fix amount hi deposit karna hoga. Aap apni marzi ka koi bhi amount deposit kar sakte hain.
Sir meri Age 24 h me month m kitne paise jama krunga 5000 salary ke liye or kb tk krna hoga plz help me sir
Hi Umed,
Aapko Rs. 5,000 pension ke liye Atal Pension Yojana mein Rs. 346 per month jama karna hoga.
sir meri age 24 h m kitne saal tak jama krna hoga 346 rs or mere ko kb paisa wapis milega
Aapko 60 saal ki age tak Rs. 346 har month deposit karna hoga. 60 saal ke baad aapko har month Rs. 5,000 milenge.
meri bachi 3.5 sal ki h to kitne sal tak bharna h
Merit beti abhi 3.5 saal ki hai agar main 1500 yearly deposit kroon to mujhe 21saal baad kitne milenge air hmein kitne saal take pause deposit krne hinge
Gaje Singhji, aapko 14 saal tak paise deposit karne hain, tab tak aapki beti 17.5 saal ki ho jaayegi. Rs. 1,500 har saal deposit karne pe aapko 21 saal baad maturity pe Rs. 80,065 milega.
1500 monthly
Sir meri Tai ji ka ek aankh kharab ho gayi h wo 55 saal ki uske liye konsi yojna h jo use accident insurance mile kya krna hoga
jo use 1 lakh accident insurance mile
Umedji, aap apni taiji ke liye PMSBY le sakte hain. Is scheme mein 70 saal tak apply kar sakte hain.
Sir
Kya 1000/month deposit krne pr 14 saal
Baad maturity amt six lakh hai pl intimate
Thanks
Hi Rahul,
Rs. 1,000 contribute karne pe 21 saal baad approximately Rs. 6 lakh milenge.
PMSBY isme me kya krna hoga sir plz kitne saal tk jama krna hoga
PMSBY mein 70 saal tak insurance cover mil sakta hai. Jitne saal tak Rs. 12 premium pay karenge, utne saal tak cover milega.
Merit beti abhi 3.5 saal ki hai agar main 1500 monthly deposit kroon to mujhe 21saal baad kitne milenge air hmein kitne saal take pause deposit krne hinge
Aapko account khulne se 14 saal tak paise jama karne honge aur 21 saal baad aapko Rs. 951,981 milenge @ 9.20% per annum.
Shivji
My daughter is 6 years old and if i contribute 1.5lakhs per year up to 14 years she will become 20years old and if i take maturity amount at 21 years of age do i get same amount as your table shows or how much?
or please let me know any other table showing this calculation
thanks
Hi Raghu,
This scheme will mature in 21 years from the account opening date i.e. when your daughter turns 27 OR whenever she gets married, whichever is earlier. If your daughter gets married before 27 years of age, then she is unlikely to get the amount indicated in the table above. Moreover, the maturity values given in the table above are indicative only based on certain assumptions.
Hi,
Last month we started SSA, now my daughter is 10 year old and our contribution is 12,000 p.a. As per policy if we wait for 21 years, that time my daughter’s age will be 31. Can you advise, any chances to get maturity amount after completing my daughter’s age is 21.
Thank you.
Hi Raghu,
You can withdraw the balance amount once your daughter gets married.
Sir meri age 39 hai. mughe atal pension yogna lena hai mughe 5000 pension lene ke liye kitna amount monthly jama karna hoga jis se ki 60 saal hone per per month 5000 rs. Mile .monthly hi karna hoga ki saal mein bhi kar sakte hai
Hi Dhruv,
You’ll have to contribute Rs. 1318 per month for Rs. 5,000 pension on retirement at 60 years of age. There is no provision for an annual contribution.
Sir
maine 2000/mon ke hisab se apni beti ka account khulvaya h :nomney main hu or agar 14years se pehle meri death ho jati h to…… Then wt is the next process
Hi Mr. Sunil,
In case of death, aapki daughter is account ko close bhi kar sakti hai, aur fund bhi kar sakti hai, whatever she or her legal guardian decides to do.
sir meri beti abhi 8 saal ki hai, maine 1000 momthly ka a/c open karwa hai aaj, mujhe kitne saal tak jama karwana padega, aur kitna milega, pl reply
Hi Naresh,
Aapko account opening date se 14 saal tak paise deposit karne hain. Maturity value ke liye ye post check keejiye – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Hello sir if I open these scheme in indian post is better than banks.plz suggest me
I think it is better to open this account in a bank like SBI, which provides online transfer facility.
Sir meri daughter 7 month ki h.hmne 2month phle uska account open kiya h under SSA
Sir hmne 2 month me 1000 rupee monthly diya h.kya iss month hm apna amount increase kr skte h like 5000.kya ye amount hum every month change kr skte h.toh sir hme after 21 years kitna or kis according balance milega
Hi Poonam,
Aap apna amount har month change kar sakte ho, ismein koi problem nahin hai. Maturity amount aapke contributions aur rate of interest pe depend karega.
Sir,
My one question is “Agar perents exipre ho gaye to us amt ko hamari beti kaise withdrawal kar sakati hai.
Hi Vinay,
Iske liye aapki beti ko ek request submit karni hogi ki parents ki absence mein wo is scheme ko continue karne mein saksham nahin hai.
Sir meri beti ka age four year hai muje kitne sall payment dena hai
Account khulne ki date se 14 saal tak amount deposit karna hoga.
Hello sir most of the bank not starting the these scheme so I open account in post office. But i have confused about the postal department work and safety because I invest 5000 per month. So guide me post is better or not
From safety point of view, post offices are better than banks. But, post offices do not provide online transfer facility, that is a constraint.
Plzz provide information
Already a lot of information is there about this scheme on our site. Please let us know what more information is required.
Hi Shiv,
Have few doubts on the Sukaniya Scheme as the post office was not able sort my queries.
I have already invested 1.5L in the scheme on 20th Mar 2015.
My doubts:
1) Will the above investment be considered for the financial year 2014-2015 or will it be for 2015-2016?
2) If for 2014-2015, then that means I would need to invest another 1.5L for 2015-2016? Kindly confirm
3) Kindly advice on the last investment year & maturity year based on my above doubt. I am aware that it is 14 years of investment and maturity is 21 years from the date it was opened or the date of the girl’s marriage, whichever is earlier.
4) I had checked with the post office and they said that I can take the final amount post 1st April 2036. However the reason to ask the above question is because 21 years is completing in Mar 2035 if I am correct based on my initial investment date.
Kindly advice.
Thanks in advance.
Vishal
Hi Vishal,
1. Your first investment will be for Financial Year 2014-15.
2. Yes, you will have to invest for FY 2015-16 as well. Whether you invest Rs. 1.5L or less, it is up to you.
3. You will have to invest till FY 2027-28 and your account will mature on April 1, 2036.
Sir. Meri daughter 4month ki h mere ko 3000 per month deposit Karna h to after 21years me kitna milega
Hi Jagat,
Please check this post for maturity values – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir,
Mai mere pass ke Corporation Bank branch mai gaya tha SSA open karne ke liye lekin unone muze Post Office me jane ko kaha to mai kya kar sakata hu.
Hi Mr. Vinay,
You can approach SBI, PNB, IDBI Bank or Bank of India for getting this account opened, they have started opening these accounts.
Is this account transferable in any part of India in case of location change due to service change or other reason?
Yes Karan, it is transferable to any part of India.
sir, how did you conclude and under which criteria you have remarked that post officers are better than banks as far as safety is concerned. kindly clarify and properly justify which should be befitting enough. do not mislead the citizens bypassing such trivial remarks of our nationalized/scheduled/or banks otherwise common.
Hi Ramesh,
If you think I am misleading people here, then that is your opinion and I really don’t want to comment on that. But, I still think post offices are safer than banks as post offices are agencies of the Government of India and the government is responsible for any kind of risks associated with your deposits. Whereas banks are independent entities which operate under the regulatory ambit of the RBI.
Thank you for your valued time and detailed study….. As an NRI it is helping us a….. Just subscribed this site, please post online forms for this scheme as soon as you have. Also if you can advice more on long term plan for NRI who will settle in India after retairment. Looking forward to see your response.
Thank you one again.
Best regards,
Rajesh
Hi Mr. Rajesh,
Please check these links for application forms –
https://www.onemint.com/2015/03/04/sukanya-samriddhi-yojana-application-form-list-of-banks-to-open-an-account/
https://www.onemint.com/2015/03/16/sukanya-samriddhi-yojana-updated-list-of-authorised-banks-to-open-an-account-specimen-application-form-passbook/
Hi
I want to know following queries::::-
1) deposited amount whether it’s a monthly or yearly is fixed? Ie; can we increase or decrease the deposited amount?
2)if u deposited it monthly; can we deposited it on annual basis or vise a verse?
3) any case if some one is failed to depoaite up to 14 years,den deposited amount wud be collapse or one be entitled to get it?
Thank u..
Hi Nandani,
1. You can increase or decrease the amount to be deposited as per your wish.
2. Yes, you can do so.
3. If you do not deposit money in a financial year, the account becomes inactive and a penalty of Rs. 50 per financial year will have to be paid to get it active.
Meri beti 9 saal ki hain 14 saal tak 1000 rs. Monthly barne ke baad agar mein withdrawal Karna chahu toh kar sakta hoon kyaa. Agar haa toh kitna amt. Milega .
Hi Jayesh,
Beti ke 18 saal complete karne pe aap 50% of the balance withdraw kar sakte hain. Baaki amount aap maturity pe ya beti ki shaadi hone pe hi withdraw kar payenge.
Respected Person:
Why is that the government only thinks about the girl child and not the boy child. They tell there is no discrimination between a girl and a boy.
Even boys are human beings….
Government is promoting schemes associated with girls because we the Indians are more biased towards boys and do not consider girls to be as good as boys. To balance it out, the government is playing its role.
Sir, my question is … If parents will dead before d 14 yr .. That time what will happen .. Suppose that my daughter age is 5 yr.
Hi Sumit,
Your daughter or her legal guardian will have the choice of either withdraw the whole balance & close the account or continue funding the account.
Dharmesh,
Respected Sir,
Sir as per the scheme only one guardian of the child is allowed either father or mother. There is no nominee if something happens to either of us or both of us than who can claim the amount. Please suggest.
Hi Dharmesh,
Legal heir of the depositor would be able to claim the amount.
Sir kindly make me clear whether final amount will be withdrawn post marriage or before marriage of child in case if started at age of nine.Also tell me what are the documents required to withdraw like age proif of child,marriage certificate etc.
In case of marriage, balance amount could be withdrawn before the marriage also. An affidavit of age to be above 18 years and a declaration of marriage would be required to withdraw the balance & close the account.
Sir, i have deposit first installment on 18 march 2015 in post office. Can i deposit next installment till march 2016.
Yes Nitin, you can do so.
Sir,good morning
Kindly tell me amount i will get if i deposit 12000 anually for 14 years and withdraw after one year i.e after 15 years as my daughter would attain age 21 year. (Deposit at the rate of 1000/mnth for 14 years and maturity value on 15 th year)
Hi Akhilesh,
This scheme will mature after 21 years from the account opening date and not when your daughter turns 21.
what is the maturity value if monthly deposit is 100/- for 14 years?
And then after 21 years how much amount I will received?
At 9.20% per annum (which is not fixed), maturity value would be Rs. 63,465.
Sir,
Can u plz confirm that in Sukanya Samridhi Yojna ,do we get relaxation in Sec.10(10)D on maturity.
Hi Rohit,
Interest earned in Sukanya Samriddhi Account will be tax exempt under a new section 10(11A) of the Income Tax Act, 1961.
Sir meri piyari beti ke liye 12-may-2015 ko SSA open kiya hu, asanek bisme rukawot ho jay to kiya hoga? oor ek mahina ya 2 month gape ho jay to dusra month main ek sat de sekta hain ? ya uska fine dena parega? pliz suges me.
Mithumji, is scheme mein monthly paise jama karana zaroori nahin hai. Saal mein ek baar deposit karenge to bhi chalega.
Hi,
Indeed your comments and remarks are very helpful. I have one doubt about opening this account. I heard earlier that Banks will start latter so I was waiting, in this way March 31 time frame for yr 2014 gone. Now I am not sure if this skim is active and if I will be able to open now or not.
can you please help and guide me if now I can open this account in banks?
Hi Prasanta,
This scheme is very much active and you can get your daughter’s account opened in the participating banks now.
Dear sir maine 15th May ko account open kiya h to uski monthly deposit Date 15 hi hogi ya June start hone par b jama kar sakte h please clear that
Raviji, is scheme mein monthly paise deposit karna zaroori nahin hai. Aap saal mein kabhi bhi paise deposit kar sakte hain.
Dear Sir,
1)Father Guardian hai agar uski deth ho jati hai to us a/c me mathor ya kisi aur ko gurdian bana sakte hai jo a/c operate kare (cash deposit kare) uske liye kya karna hoga ,
2) Meri beti ki shadhi 18 saal me ho to mujko pura pasisa mil jayega ,
wo amount kon si hogi jo macurity amount hai wo ya other , For Exmple
Mounthly 1000*12=12000*14=339874 =maturity amount 625305 ya amount miligi ke koi other amount (koyki me 3saal phela closed kar raha ho ) pls guide
Hi Mehtab,
1. Mother/legal guardian is account ko operate kar sakta hai.
2. Shaadi hone pe aapko wo amount milega jo account mein balance hai (with interest).
Sir i hve opnd it in post office bt nw want to transfer tobank.as per post office official thre is no guidline on transfer of ac..kindly tell hw can i get it transfer to bank
Hi Gagan,
You will have to wait some more time for the clear guidelines to pour in. Banks/post offices are still not processing account transfers as of now.
sir
meri beti 3 month ki hai agar mai saal mai 12000 rs jama karu to baad mai kitne mileg
Hi Mr. Singh,
If you deposit Rs. 12,000 every year, you’ll get approximately Rs. 640,517 after 21 years at 9.20% per annum – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
sir
yojna bank mai theak rehegi post office mai
Agar aap online transfer facility chahte hain, to bank mein account khulwana better rahega.
Hello Shiv
Is y0jana me Interest Rate 9.2% fix rahega 21year k liye..??
Nahin Kalpesh, 9.20% is saal ke liye applicable hai. Rate of interest har saal review hoga, 9.20% se kam ya zyaada ho sakta hai.
Hi Sir,
I had one more doubt,if i didn’t with drawn the maturity amount after 21 years of deposit,shall i get tax exemption after the maturity period also and will get the same interest rate on the same.
suppose i deposit 50000/- per year as 14 years and after 21 year it will become 2600000 around,if i wait till 26 years ,it will be come around 4000000/-
Please clarify me my doubt.
Hi Rakesh,
If your daughter wishes to remain unmarried and she wants to extend this account beyond 21 years, she can do so. Also, the rate of interest of 9.20% will not remain fixed for all these years.
Sir,
I have two queries.
1. The amount can be withdrawn after my child’s marriage or it can be withdrawn just before my daughter’s marriage, so the fund can be used in marriage.
2. Initially if I choose little lesser premium and later on after 2/3 years if I wish to increase the per year premium amount..is it possible…?? (Can premium amount be increased during the policy period?)
Thanks for reading my queries and for your valuable time.
1. You can withdraw the balance before the marriage as well to meet the marriage expenses.
2. Yes, you can increase your contribution in later years as well as during a financial year.
sir, suppose jab meri beti 18 years ki ho jayegi to kya main jo 50% amount withdraw kr sakta hu vo us amount 50% hoga jo main pay kr rkhi hai ya total amount ka jo acoount main us time hai (339874/-) ya fir total maturity ka.(625305/-) Please guide me.
50% of Rs. 339,874.
Hi Sir,
Meri beti 4 saal ki hai. Mene april’15 me post office me ssa account open kiya hai. Meri beti ka birth certificate me name dimple hai jabki school me uska name hamne ananya likhwaya hai. Mai jub post office account open karne gaya to waha pehle to ek officer ne bola ki aap school se unke letter pad par likhwa le aye ki beti ka name ananya hai to mai account ananya ke name se open kar dunga but bad me jab hambe use wah letter pad diya to vah mana karne laga ki jo name birth certificate me hai us name se hi account open hoga. But bahut argu karne ke bad usne Rs.1000 se account open kar diya. Ab hume dar hai ki kahi hum every month paise deposit karete rahe aur yadi beti ke school certificate me name ananya rahta hai to hum kis name se paisa return le sakte hai account mature hone par. return amount berth certificte ke base per milega ya uske 1oth ki marksheet ke base par milega par usme to beti ka name ananya hoga. pls resolve the issue
Hi Sanjay,
Jis certificate ke basis pe account open hua hai, usi certificate ke basis pe aap amount withdraw kar sakte hain.
Sir,
different months main different amount deposite kar sakate hai but annual amount needs to be fixed or different amounts can be submitted different years too. Matlab har saal different amount jama kar sakate hai kya?
Hi Niraj,
Yes, aap har saal different amount jama kar sakte hain, ismein koi problem nahin hai.
My doughter dob 05.09.2003.she is eligible for SSY.pls tell me.she is born in private nursing home & certificate given by that nursing home.this type of certificat is eligible.pls inform me
Hi Deepak,
Your daughter is not eligible for this scheme.
sir betiya ke 18 years hone par Jo Maine rupees doposit karve hai uska 50 percent mila gya or uspar interest kitne mila gya 2036 m
Mukeshji, interest aapke contribution pe depend karega.
Meri Beti 9.5 sal ki h maine is Sukanya Samriddhi … me A/C khulwaya h 1000/- per month jama karwa raha hu . yadi ise 13 sal bad Withdrawl kiya jaye to kitna Amt. milega.
Subhashji, aap is scheme mein beti ki shaadi hone se pehle ya phir account khulne ke 21 saal poore hone se pehle paisa withdraw nahin kar sakte.
Hi Sir,
Thanks for reply. I am still having doubt related to certificate.
Can i again open SSA account of my daughter in SBI bank to avail the facility of ECS
Hi Sanjay,
Only one account can be opened in the name of a girl child.
However, you can transfer your existing account from the post office to SBI.
Sir pls suggest I have two daughter I want to open this a/c but as per says by post office if open this a/c hirer so after maturity for payment not transfer on line pls suggest any On line facility Available or not
Hi Vijay,
Some banks must be providing online transfer facility. So, you can open this account with a bank which is providing such facility.
Sir my daughter born on 17/07/2006 can we open a/c under sukanya samriddhi a/c and how long i have to deposit under this scheme
Hi Manish,
Your daughter is eligible for this scheme. You need to deposit money for 14 years from the account opening date.
sir .my elder daughter is 14 years old.pls give me any suggestion to open a account.I m using this account to my younger daughter.pls sir give any advice for my elder daughters future plan.
Hi Sameee,
It is not allowed to open this account for a 14 year old girl child.
hi sir can i deposit the amount for ssy in sbi by using online internet banking.
Hi Jeetendra,
I think SBI is not providing online transfer facility as of now, but I think SBI should start such service in future.
My daughter DOB 23.03.2005, waht to invest Rs.5,000 p. m.
what amount eligible at age 18 and maturity at age 21, please inform me
Hi Vipul,
Maturity will not happen at the age of 21 years. Also, maturity amount and balance amount calculation depends on the timing of your deposits and rate of interest, which is not fixed at 9.20%.
Hello Shiv,
I have a doubt regarding the interest calculation for this scheme. Like in PPF it is said though the interest on balance in PPF account is compounded annually and is credited at the end of the year, but the interest calculation is done every month: the interest is calculated on lowest balances in account between 5th and last day of the month.So if you don’t deposit on/before the 5th of a month, you don’t earn interest for that month.
Does any such condition applies in case of SSY, please suggest ?
Hi Mr. Durgesh,
Though the government has not disclosed the exact methodology, interest calculation in this scheme is very much similar to PPF.
Hi Sir,
Q) Please explain about the scheme if in case parents/daughter will die before 14 years.
Hi Partha,
The girl child or her legal guardian will have the option to either close the account prematurely or continue funding it till maturity/marriage.
Thnx kukreja ji..u ve explained everyone so fairly..
Thank you Mr. Satyajit!
Dear Sir,
A great thanks to you to provide such rare informations.
Sir i have opened SSY account in post office where my baby’s age is 10 Yrs. And according to rules we have to deposit the amount upto 14 years from the account opening date. It means my baby age will be 24 Yrs that time but if i want to marry her at 22 or 21 yrs can i able to withdraw the complete amount or i have to deposit at least upto 14 Yrs?
Hi Rajesh,
The girl child can withdraw 100% of the balance with interest as she gets married, even before completing 14 years of deposits.
Thanks Sir.
You are welcome Rajesh!
Hi sir
Mera chota bhai ka ladiki. 3 Sal ki he. Osiki Gardiner baan saktha he kya. Mera account. Sbi me
Yes Deenabandhu, aap apni bhatiji ke liye account open karwa sakte hain.
Hello sir I can open the account in bank and post office for single child. I have one account in post office.
No Jaydeep,
Only one account is allowed for a girl child, whether it is opened in a post office or a bank.
Pretty! This was an extremely wonderful post. Thank you for supplying this information.
You are welcome!
HALLO SIR,
1. KYA MAIN RS. 50000 YEARLY JAMA KARTA HU AGRA 2 SAAL YA KVI V AMOUNT KI RASI KO BADA YA KM KR SAKTA HU.
2. KYA ISKI INTREST FIX RAHEGI YA DIFFRENCE AA SAKTA HAI. KYA KVI GOVT. POLICY KE KARAN INTREST KM KR DE TO MATURITY SE PAHLE WITHDRAWL KR SAKTE HAI. WITHDRAWL KE TIME KITNA CASH MILA.
1. Yes, aap amount increase/decrease kar sakte hain.
2. Rate of interest fix nahin hai, government kam/zyaada kar sakti hai. Interest kam/zyaada hone pe aap amount withdraw nahin kar sakte.
Sir
1.Plz clarify grandparents can open acct or not ( in both cases where parents live or not.
2. Is it possible to schedle transaction (neft/rtgs/online transfer) if parents hold acct in same branch or in same bank
Thanks
Hi Kapil,
1. Grandparents can open this account as legal guardian, whether parents are alive or not.
2. Online transfer facility is not yet introduced by the banks. But, I think it will be introduced in future.
SBI allows online transfers, similar to their PPF account.
Sir
1.Plz clarify grandparents can open acct or not ( in both cases where parents live or not.
2. Is it possible to schedle transaction (neft/rtgs/online transfer) if parents hold acct in same branch or in same bank
Thanks
Dear Sir,
My daughter was born on 30 Oct 2003. Is she eligible under the relaxation clause for opening account under Sukanya Smridhi Scheme.
regards
Rishabh
No Rishabh, your daughter is not eligible for this scheme.
Copied that sir,Thanks a lot. Could you suggest some good policy for her.
My younger child is a boy and he is going to be eight years old in Sep 2015. What possible investments should I make for him.
Thanks a lot once again
regards
Rishabh
PPF, Equity Mutual Fund SIPs are good investments for long term wealth creation.
If a guardian move from one place to another place for residing.
so I that case how the account will operate.
Thanks
Prakash Shriwas
9819653014.
Hi Prakash,
If opened in a post office, you can transfer your account. However, in case of bank, you can deposit in any of the branches or transfer it online.
Res. sir,
Can I deposit money two times in a month in sukanya samridhi yogna?
Yes Chandan, you can do so.
pls submitted new scheme lunch pls reply my email id-:[email protected]
Hi Ketan,
You can subscribe to our free newsletter for scheme launches & product reviews – https://feedburner.google.com/fb/a/mailverify?uri=onemint%2Ffeed
meri ladki 6 sal ki hai….kya yah schime le sakta hu…..or kitne sal baad paisa nikal sakta hu.
Hi Mr. Rawat,
Aapki beti is scheme ke liye eligible hai. Aap apni beti ki shaadi hone pe, ya phir account khulne ke 21 saal baad paisa nikaal sakte hain.
Tremendous job sir to educate people of each part of society in their own language.
Salute to YOU
Thanks a lot Kapil for your kind & encouraging words! 🙂
Hi Sir,
What about death risk cover? Means if parents would die after deposting 5 or 6 years continuously, after that child would not be able to deposit money, in that case,
is it possible to close the policy and get money ?
Is there any relaxation amount introduced?
Hi Sanyukta,
In case parents die after a few years, the legal guardian or the girl child herself can operate this account. In case it is not possible to operate it further, they can withdraw the balance & close the account.
Dear Sanyukta Ji,
There is no Risk Cover in this schem…
Regards,
Ni3
I want to know which upto which age is applicable for depositing the money,is it the child age or upto 14 yrs of period.If my daughter is of 07 yrs as on date ,then how we should calculate this scheme. plz clarify.
Hi Mr. Shukla,
It is 14 years from the account opening date i.e. till 2029.
Thanks for the post sir,
Pl let me know about the banks where I can open this account!
Thanks Amit,
SBI, PNB, IDBI Bank, Bank of India etc. are opening these accounts. Please check this link for the list of banks – https://www.onemint.com/2015/03/16/sukanya-samriddhi-yojana-updated-list-of-authorised-banks-to-open-an-account-specimen-application-form-passbook/
first month mein paisey banke.second aur third month may nahi ban sake aur fourth month may theen mahine ke ek sath bansakte kya?
Yes, kar sakte hain. Saal mein sirf ek baar paise deposit karna zaroori hai.
sir can i deposit money altermate months?
Yes, you can do so. You need to deposit only once in a year. However, you can do it more than once as well.
MY DOUGHTER IS BORN ON 28/10/2005. CAN SHE ELIGIBLE?
Hi Upendra,
Your daughter is eligible for this scheme.
SIR,
MY DOUGHTER IS BORN ON 14/10/2003. CAN SHE ELIGIBLE?
r
Hi Sanjay,
Your daughter is not eligible for this scheme.
Dear Shiv,
i have 2 daughter Elder one is 7yrs & younger one is 3yrs.
if i start for my elder i will pay till she become 21yrs.by that time i may require amt for her higher studies can i take full amount /Partial.
Hi Bhagirath,
Your daughter can withdraw 50% of the balance for her higher education as she turns 18.
MY DOUGHTER IS BORN ON 14/10/2003. CAN SHE ELIGIBLE?
& As per you , She is not eligiable for this Scheme .
Diffreance is just 2 months
Please avdvise how can be apply in it OR another Scheme .
Rgds
Hi Sanjay,
Your daughter is not eligible. There is no way out to invest in this scheme.
Ser meri beti ka janam 25/01/2005 ko hua hai mai isme khana khol
Sita hu. Or isme se mera khana kab purn hoga mai kis date me rupya
Nikal sita hu us stay meri beti ki umr kitna hogi
Mukeshji, aap apni beti ka account khulwa sakte hain. Aapko 2029 tak paise deposit karne honge, aur aap apni beti ki shaadi hone pe ya phir 2036 mein paise nikalwa sakte hain.
waiting for reply.
If a guardian move from one place to another place for residing.
so In that case how the account will operate.
Thanks
Prakash Shriwas
9819653014.
If the account is opened in a post office, then you’ll have to get it transferred. If the account is opened in a bank, then you can transfer money online (if the facility is there in the bank).
Thanks
You are welcome Prakash!
Sir meri two girl hai ek4yeardusri 1year
Kya m dono ki ye scheme kar sakta hoon
Yes Shahhrukh, aap dono ke liye account khulwa sakte hain.
How deposits by cheque
Hi Dr. Srivastava,
Just attach the cheque with the application/deposit form and submit it in any of the banks or post offices.
Hi sir’
Pls confirm me that sukanya yojna sif post office mai Hi hai ya other bank mai bhi hai. Ager hai to ret off intest same milega kya
Hi Mukesh,
Ye yojana other banks mein bhi hai, aur rate of interest same hai.
Hi, I am blessed with a baby girl on 28th May 2015.
If i start paying this scheme from now on until she complete 14 years, when can i get the matured amount? Is it after 21 years or for her marriage?
Thanks,
pravin.
Hi Praveen,
Your daughter will get the maturity amount after 21 years from the account opening date or when she gets married, whichever is earlier.
Hi, this is Preeti Rathour, I am single mother of 7years old daughter, she born on April 18th 2007,
I am already saving account holder on sbi and yes bank, can I take this policy? And please describe me all procedure & benefits with term & condition in further detail, so I will take this for my loving daughter as soon as possible,
One thing more I have all the document of her birth but i don’t want to mention her father name any were so please suggest me its possible or not?
Thanks
Preeti rathour
Dear Preetiji,
You can take this policy…also for this only you have to do is …. u will have to go nearest Post Office & from now u r having 6 to 7 years for depositing money……. mention ur self as her parent & u can mention ur name on her pass book….. find here with tentative table for schem.
Regards,
Ni3.
email [email protected]
whats app no (9561880669)
Instalment 1st Year 2nd Year 3rd Year 4th Year 5th Year 6th Year 7th Year 8th Year 9th year 10th Year 11th Year 12th Year 13th year 14th Year
1 12000
1092
2 13092 12000
1191.372 1092
3 14283.372 13092 12000
1299.786852 1191.372 1092
4 15583.15885 14283.372 13092 12000
1418.067456 1299.786852 1191.372 1092
5 17001.22631 15583.15885 14283.372 13092 12000
1547.111594 1418.067456 1299.786852 1191.372 1092
6 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
1687.898749 1547.111594 1418.067456 1299.786852 1191.372 1092
7 20236.23665 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
1841.497535 1687.898749 1547.111594 1418.067456 1299.786852 1191.372 1092
8 22077.73419 20236.23665 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
2009.073811 1841.497535 1687.898749 1547.111594 1418.067456 1299.786852 1191.372 1092
9 24086.808 22077.73419 20236.23665 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
2191.899528 2009.073811 1841.497535 1687.898749 1547.111594 1418.067456 1299.786852 1191.372 1092
10 26278.70752 24086.808 22077.73419 20236.23665 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
2391.362385 2191.899528 2009.073811 1841.497535 1687.898749 1547.111594 1418.067456 1299.786852 1191.372 1092
11 28670.06991 26278.70752 24086.808 22077.73419 20236.23665 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
2608.976362 2391.362385 2191.899528 2009.073811 1841.497535 1687.898749 1547.111594 1418.067456 1299.786852 1191.372 1092
12 31279.04627 28670.06991 26278.70752 24086.808 22077.73419 20236.23665 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
2846.393211 2608.976362 2391.362385 2191.899528 2009.073811 1841.497535 1687.898749 1547.111594 1418.067456 1299.786852 1191.372 1092
13 34125.43948 31279.04627 28670.06991 26278.70752 24086.808 22077.73419 20236.23665 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
3105.414993 2846.393211 2608.976362 2391.362385 2191.899528 2009.073811 1841.497535 1687.898749 1547.111594 1418.067456 1299.786852 1191.372 1092
14 37230.85447 34125.43948 31279.04627 28670.06991 26278.70752 24086.808 22077.73419 20236.23665 18548.3379 17001.22631 15583.15885 14283.372 13092 12000
“Total
Interest” 25230.85447 22125.43948 19279.04627 16670.06991 14278.70752 12086.808 10077.73419 8236.236651 6548.337902 5001.226308 3583.158852 2283.372 1092 0 146492.9916 Total Int + Premium After 21 Years
“Total Premium
Paid” 12000 12000 12000 12000 12000 12000 12000 12000 12000 12000 12000 12000 12000 12000 168000 314492.9916 628985.9831
Hi Preeti,
Your daughter is eligible for this scheme and you can get her account opened in SBI where you already have your savings account running. It is possible to open & operate this account without mentioning her father’s name anywhere on the form.
Dear sir.
My question is about sukanya yojna….suppose i deposit Rs.130000 in the sukanya a/c in first financial year and in next financial year i deposit just Rs. 25000 and in the third year i deposit Rs. 50000 and in the fourth year i deposit just Rs. 5000. So basically my question is that can i deposit flexible amounts as per my convenience each year or is the amout to be deposited fixed
Hi Saurav,
You can very well deposit variable amounts as per your convenience each year. There is absolutely no problem in that.
sir,c.i. monthly calculate hoga or annually?
monthly contribution & annual contribution(same amount k case me) maturity value differ kyo hai
Hi Awadhesh,
Interest annually calculate hoga, aur date of deposit se calculate hoga. Agar aap 1st April ko ek baar poore saal ka amount deposit karte ho, to aapko 1st April se interest milega. Agar aap 1st April ki jagah 1st October ko same amount jama karte ho, to aapko 1st October se interest milega. This is the reason for the difference in maturity values.
monthly pay kare ya yearly
Mufeez u can pay as per your convinence
Ni3
[email protected]
Hi sir,
On behalf of the members, Firstly thanks for your effort and spend your time to answer all the questions.
I would like to inform you that i didn’t get proper information from any office regarding this sukanya samiridhi scheme.
My daughter age is 10 years at present and according to the requirements given in your answer she is eligible for this scheme. My question is if i started to invest Rs.12000 per month from next month onwards until how long i have continue? Because as per the govt norms 14 years from the date of account opening right. So for my case is it necessary or compulsory i have to pay until she reach 24 years. If say yes, then what’s the point of at the age 18 years can withdraw 50% and full withdraw at the age of 21. How it is possible?
Next, for this year i will pay annually and next year can i pay monthly or quarterly or half yearly? Is it flexible to change the mode as per my convinient?
What ever the amount paid for the year can we use that amount for tax submission under section?????
thanks
With regards
raj
Hi Raj
Thank for appreciation….
as per my knowledge clear one thing that till the age of 14 of ur daughter u can pay amount & 2nd thing u can avail benefit of Tax under Sec 80 C of Incom tax act
Regards,
Ni3.
[email protected]
whats app no 9561880669
Thanks Raj for your kind words!
1. You need to deposit money till 14 years from the account opening date or till your daughter gets married, whichever is earlier. Moreover, it is not 21 years of age of the girl child, the account will mature in 21 years from the account opening date. However, whenever the girl gets married, she will be required to withdraw the balance and close the account, even before completing 14 years of deposits.
2. Yes, it is flexible to change the mode as per your convenience.
3. You can claim tax deduction u/s 80C equal to your deposit amount, up to a maximum of Rs. 1.50 lakh.
Hello Mr.Shiv,
A small clarification,
My daughter is 8yrs now, If i pay for 14 yrs with 2500/month, as per the above table accumulated balance after 14 yrs would be 849686/- , , she would be then 22yrs old, If iam planning to get her married by 23yrs, then will i get the maturity amt of 1563262/- ? or only 849686/- + 1 yr interest ?, should we wait till she turns 29 yrs to get 1563262 ? pls clarify.
& how do we claim this amount ? is it after getting her married we have to produce the marriage certificate or before marriage with any valid document for marriage we can get this amt ?
Hi Jonsie,
1. If your daughter gets married at 23, she’ll get Rs. 849,686 + 1 year’s interest. She cannot remain invested in this scheme beyond her marriage.
2. She can withdraw the balance amount before her marriage also, by submitting an affidavit of age and a declaration of marriage.
Sir meri beti 7 year ki hai. Beti ke 21 year pura hone pe sab paisa nikal jayega… ys phir account ke 21 year pura hone pe.
Hi bhupendra Ji
Beti ke 21 Years pure hone pe aap pure paise nikal sakte hai….. ya agar apko aisa lagta hai ki tab us paiso ki jarurat nahi hai toh ap use aur continue rak sakte ho…. tab tak ap ko uska jo interest hai wo milta hi rahe ga…. ok
Regards,
Ni3
[email protected]
whats app no (9561880669)
Bhupendraji, aap ki beti shaadi hone pe, ya account khulne ke 21 saal baad, maturity amount withdraw kar sakti hai.
sir
ismi riskcover hai ??maine suknya yojna mai continue 10 year tak paisa jma kiya. uske baad death ho jaati hai to kya 10 year tak ka paisa mujhe milega?? jo jma kiya hai with intrest???????
Sisodiaji, isme risk/life cover nahin hai. Yes, death ke case mein jama kiya gaya paisa with interest milega.
thanx sir for support
You are welcome Sisodiaji!
Dear Sir,
Hi, I’m Bijay. My daughter was born on 01.05.2011. If i want to invent Rs.12,000/- per annum under Sukanya Samridhi yojana then please let me know how many years i have to invest & after maturity how much amount i will get.? Please clarify my doubts, enabling me to go ahead.
Regards,
Bijay Pratap.
Hi Bijay,
You need to invest for 14 years i.e. till 2029. On maturity, you’ll get Rs. 640,517 @ 9.20% per annum – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir meri bhanji hai sweta negi Aur sir mai ek army person hu mai apni bhanji ke nam s account open karana chat a hu kuuki jab who 1sal ki thi toh uske father expire ho gye Aur mother n dusri sadi kr li so him hi uske guardian h post office m gya toh bataya ki court s likha keLana padwga pl sir suggest me
Devendraji, aap kisi bank mein ja ke try keejiye, account khul jaana chahiye.
Dear Sir
As after attaining 11 year age the child will operate and can withdraw after a specific time.
She may withdraw and misuse money.
How a parent or depositor may check that.
Hi Rajeev,
I don’t know if there is any way to stop the girl child from using or misusing the maturity amount.
sir, I want to contribute 24000-/Rs in a year. I have opened this account in April -2015 with 1000-/Rs. after that I haven’t contributed until. can I contribute it in 3 or 4 times.
Yes Awadhesh, you can deposit money multiple times in a year.
Sir,
ye yojana me kabhi Father Deth huye to baki hapta / Account Oprate kon karega ….?
Please Reply
Hi Sapate,
Legal guardian ya beti khud is account ko operate kar sakte hain.
Sir, my daughter was born 12/05/2010. My question is if i deposit money Rs 1.00 Lac yearly what will be the matured value after 21 years. pl calculate .Regards
Amit
Hi Amit,
Maturity value would approximately be Rs. 53,37,642 – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir
Pls answer my query
1. How it is better than fixeddeposit
2. My daughter is 7 yre old if i deposits only 1000 a year . What i will get if i do marrige at 21 age and 25 age.
3. Ihav to pay till maerige or limited time.
Hi Naresh,
1. It is earning higher yield @ 9.20% per annum and that too tax-free. That is why I think it is better than a fixed deposit.
2. We do not entertain such individual calculations.
3. You need to pay for 14 years from the account opening date or till your daughter’s marriage, whichever is earlier.
Sir, I have a question regarding the withdraw of amount after maturity.
I want to know who will be entitled to withdraw money.
Is daughter is entitled to withdraw amount with out permissions/authorization of parents/guardian?
Is parents required his/her daughter permission/authorization to withdraw money after maturity?
Hi ABC,
It is your daughter’s account, so she has the complete authority on the balance lying in the account. She is entitled to withdraw the money without anybody’s authorisation as she attains 18 years of age.
Hello sir,
My daughter turned 3 on 23 rd April 2015.
If I start paying from the year 2015 for sukanya samriddhi yojana , when we can withdraw the amount ?
Is it not when she turns 21 ?? Is it when 21 years from account opening date ?
Please confirm.
Hi Ashwini,
1. If you start this account in 2015, then it will mature in 2036. Your daughter will have to withdraw the balance & close the account whenever she gets married, even before 2036.
2. Yes, it is 21 years from the account opening date.
Dear Sir, I had been 1000 per month deposit in post office since last five years . now is complete my five year depositing scheme in this month so can you tell me . how to calculate the interest on my deposit cash .
12000x 5 = 60,000/- = should be how much
thanks – Pawan
Sorry Pawan, I won’t be able to let you know the maturity amount.
Hello sir MERI BETI KA DATE OF BIRTH JANURY2008 HE
MEN15000/ PAR YEAR DIPOSIT KARUNGA USKI SADI 2029 MEN KARUNGA 2030 MEN MERI BETI KO KITNA RITURAN MILEGA
789076
Sorry Mr. Rao, we do not entertain such individual calculations.
Dear sir,
Kitne years tak diposit karna hai.
My daughter 4 years ki hai.
Hi Indu,
Aapko 14 saal tak money deposit karni hogi, till 2029.
sir, ,
I want to change my daughter’s name, whose account have been opened since April 2015. my daughter name is Arushi. I want to change it Aausi. can is it possible? if yes, then what is the process of it?
Hi Awadhesh,
You’ll have to get it checked with the post office/bank whether name change is possible or not and the process also.
Sir, 14 saal tak 1.5 Lakh pura jama karna hoga ya kam bhi kr sakte h
Jaise -20,000 pr rokna chahe to
Dear sir,
1.meri 3 beti age 8yr 5yr 1yr k hai kya main yojna ka labh le sakta hu?
2.mere sbi ac.se hi yojna & rupye jama ho sakta hai ya alag se ac.kholna hai?
3.meri 8yr ki beti k 18yr or Shadi ke time me kitna rupye milega?
Hi Yogendra,
1. Aap apni 2 betiyon ka account khulwa sakte hain.
2. Aapko alag se account kholna hoga.
3. 18 saal hone pe balance amount ka 50% milega. Shaadi pe kitna milega ye depend karega ki shaadi kab hoti hai.
Dear Sir
I am working in UAE but my children lives in India. Can I open this account for them?
Thanks & Regards
Manish
Hi Manish,
If your children are born & brought up in India, then they are eligible for this account.
Sir,
I wants our knowledge that after mature policy the payment paid to (child) my daughter or refund to me.
Please explane to me.
Vikas Malhotra
Hi Sir,
Is it possible to deposit amount more than 12 times in a year not like PPF account .
if there is any limit let me know .
Regards
shankar
Hi Shankar,
Yes, it is allowed to do so.
how much sign of father
There are any transaction limits per year or per month???
No Rajesh, there is no limit.
Can it be transferred the account from post office to state bank of India ???
Yes Rajesh, you can transfer it from a post office to a bank branch.
Hi Shiv,
Firstly, I would like to thank you for providing very helpful information which is not clearly mentioned even on official government website.
I’m OCI, my wife is NRI and my daughter is OCI. But my daughter living in India with her grandparents. Any possibility?
Thanks Vj for your kind and motivating words!
Sorry, but there is no scope for OCIs to open this account. I think you should go for other investment options, India should grow strongly going forward.
Try YSS is available for OCI as well, call 9990101353
Hi Shiv,
Can we open account in any SBI branch even if we don’t have account in that Branch
Hi Arun,
Yes, you can do so, like it is done in case of PPF.
Sir,
What happens when two accounts are opened in the name of same child? Example if a mother opens an account in the name of the child without the knowldege of her husband just for the reason of savings. And the husband has opened an account in the same name of the child without the knowledge of the wife? Wat will happen at the time maturity?
Hi Preetha,
In case of more than one account in the same girl child’s name, only one account will earn the due interest and the interest due on the other account will be forfeited.
sir
14 saal rupee jama karne hain
ya ladki ki age 14 saal hone tak
Hi Yogesh,
Account khulne se 14 saal tak paise deposit karne hain, yaani 2015 se 2029 tak.
Dear Dir
my sister date of birth is 20-2-2007
so can I this policy …
and how much minimum deposit in a year
Hi Naveen,
Your sister is eligible for this scheme. Minimum amount to be deposited in a financial year is Rs. 1,000.
sir,
mai janana chahata hu har sal mai fix diposit karta hu 3sal ya 1sal ke liye 1lack rupies keya usper income tax katega agar 5sal tak 5 lack karta hu to
Rajkumar Ji, interest amount pe TDS katega agar interest amount Rs. 10,000 se zyaada hoga.
Hi,
Myself and my wife both are resident India, but my daughter born in US. She hold US passport and PIO card. Presently she stays in India with parents for last 5 years. Does she qualify to open SSY (Sukanya Sambhridhi Yojona)account? She is eight year old.
Thanks
Dilip Kumar Samanta
Hi Dilip,
In the absence of Indian Birth Certificate, I don’t know whether post offices or banks are opening these accounts or not. You’ll have to check it in the nearest post office/bank itself.
It is nice yojona for girl child…but i want to know sir my daughter is 9yrs.old..today i open the account for my daughter..after how many years i will receive amount and how much please sir tell me…
Hi Sanjoy,
Your daughter will get the maturity amount after 21 years from the account opening date or when she gets married, whichever is earlier. Maturity amount will depend on your contribution, annual rate of interest and timing of your deposits.
Please provide ECS mode payment for Sukanya sambruddi yojana as soon as possible which will helpful for all parents.
sir
yearly amount kam jyada bhar sakte hai ya fix amount per year bharna hona
Hi Chandresh,
Aap amount increase ya decrease kar sakte hain.
Hi Shankara,
I think SBI is already providing online transaction facility, please check it with the bank.
Hi again Shiv,
Regarding the post office Monthly Income Account Scheme, myself being an NRE(working on ship),can i open one in my daughter’s name?
I heard from the postmaster that this scheme is not tax free..however,there is an option wherein we can re-invest the interest earned from this scheme into a normal postal savings account or into a postal 5 yr recurring deposit account !!!
Your inputs much appreciated !
Brgds.
Hi Ivo,
NRIs are not eligible to invest in Post Office MIS. So, if your daughter is an NRI, then she is not eligible to invest in this scheme. It is not a great idea to reinvest the interest amount in a post office savings account or RD. I think it would be better to explore other options of investment.
my baby age is 10 years if I deposit 2000 per month what is the amount I got after maturity
Hi Rakesh,
Please check the table pasted above to know about the maturity values as per your contribution.
Hi Shiv,
Regarding SSY, for our almost 10yr old daughter,wanted to check whether we can open the account considering the following details..
1. We parents are Indian citizens
2. Our daughter was born in the US
3. We and our daughter have been in India since last 5 yrs
Pls suggest.
Thanks
Hi Geetu,
I am not sure how post offices/banks are taking such cases. You need to approach a post office/bank to get clarity in this matter.
Hi, I am a NRI and my daughter also born outside India. However we all holds an Indian passport. Also her birth place and birth certificate both are out of India.
Can I open account for my daughter.
Ranjeet
Hi Ranjeet,
NRIs/PIOs are not eligible for this scheme.
My daughter is 9years as on (23.07.2015) old. I want to know that how many years deposit the amount in this scheme. & when I will receive the maturity amount. (completion of 14years or her marriage time) .
Hi Kailash,
You need to deposit money for 14 years i.e. till 2029 and your daughter’s account will mature in 2036. However, the account will have to be compulsorily closed whenever your daughter gets married.
Hi Sir Meri beti ki age 7-11-2004 hai Kya beti sukanya yojna ka lab le sakti hai
Yes Suresh, your daughter is eligible for this scheme.
there is no fascility of nomination in sukanya samruddhi yojna
spose if some thing go wrong with the parent/guardian and child is minor at the time of the incidence then what happens ?
who will get the mature amount ?
Hi Kirti,
In that case, the money goes to the girl child’s legal guardian.
Hi all,
My baby recently born(18 July), this policy is applicable or not.please let me know.
Hi Munna,
Your daughter is eligible for this scheme.
Hi sir I have a baby 9years old I have been opened account in the post office. According this. I have need money After 10 years so is it possible
Hi Salim,
Aap apni beti ke 18 saal complete karne pe 50% balance and shaadi hone pe 100% balance nikaal sakte hain.
is the amount to be deposited the same every year or can vary as our convenience like first year 5000 and next year 2ooo and third year may be 10000
Hi Prachi,
The amount to be deposited can vary as per your convenience.
Hi
My name is Mohsin ali and my daughter is going to complete 1year in this end of the month. My question is suppose I am going in the scheme of 1000/- per month and after 5 or 10 years if I will be no more , is it the SSY will run with out premium?/or else it will lapses. And also if after 8 or 10 years if I want to surrender the policy is it possible.
And also suppose my daughter will complete 21 years ,whether she can avail maturity amount with out my any approval?
Pls do the needful
Regards
Mohsin ali
Hi
My name is Mohsin ali and my daughter is going to complete 1year in this end of the month. My question is suppose I am going in the scheme of 1000/- per month and after 5 or 10 years if I will be no more , is it the SSY will run with out premium?/or else it will lapses. And also if after 8 or 10 years if I want to surrender the policy is it possible.
And also suppose my daughter will complete 21 years ,whether she can avail maturity amount with out my any approval?
Pls do the needful
Regards
Mohsin ali
Hi Mohsin,
In your absence, your daughter or her legal guardian can continue funding the account. If they could not continue the account, the balance amount with interest can be withdrawn.
Your daughter can withdraw the maturity amount without your approval as she gets married or when the account gets matured.
This is good & Usefulscheme for girls.
uneducated people can’t get this advantage.
This yojna must reach up to every villagers
and labour workers/farmers and all the poor
people those who needs !
you have done good job to give this info.
Thanx.!
Ravindra Bagade
Soviet Land Nehru Award winner jornalist
Author(social worker)
Thanks Mr. Ravindra for your kind words and sharing your thoughts!
My daughter is born on 26 sep 2003. Pl clarify policy do or not
Hi Parixita,
Your daughter is not eligible for this scheme.
Dear sir
Me every month 6000 rs bharta hu to muje 21 shal ke bad Kistna rs milega
Hi Sanjay,
At 9.20% per annum, maturity value after 21 years should approximately be Rs. 38,07,922 – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Hi
I need to know that how many minimum transaction can b done yearly and if i open account in delhi postoffice n i get transferred to other city is it possible to deposit money.
Hi Manju,
There is no limit on the number of deposits., you can make as many deposits as you want. Also, you cannot make deposits in some other post office. But, if the account is opened in a bank, you can make deposits in any of the bank branches.
Hello ,my wife paying monthly 1000 in SSA account in my daughter name.how much we can get in the end of the scheme?
Approximately Rs. 634,654 @ 9.20% p.a.
Dear sir maine sbi bank me sukanya samriddhi yojna me form bhar diya hai lekin usme meri baby ke saath name nominat me modher ki jagah fadher ka likha hai to valligible hoga ?
Hi Mahesh,
Aapki query clear nahin hai.
Hi Shiv,
Shall we increase the deposit amount after some years in this scheme. Example. Initially I’m depositing around 10,000 per year during 4th year of this scheme, shall I increase the deposit amount to 15,000 per year. If this is possible, how should I calculate the maturity value on end of 21st year.
Thanks,
Venkatachalam R
Hi Venkatachalam,
1. Yes, you can increase the amount to be deposited in future.
2. You can calculate the value using excel. Get in touch with somebody who knows how to do such calculations.
Adding to my above question, in future the % of interest will go down or it will be consistent as 9.20%? Also if there is a change in the government (ruling party) will close or deny this scheme. Kindly clarify.
1. Interest rate is not fixed at 9.20%. The government will revise the rate every year in March to make it effective April 1. It could go up or down as per the interest rate environment.
2. I don’t think any government will make any changes in this scheme going forward, like PPF.
Hi sir firstly thanks for usful information .my daughter is 1 year old I want to sukanya policy monthly 3000 rs.
But in some case during lapse how is the interest rate I paid
Hi Shiv Sir,
My daughter is born on 09 FEB 2004. Pl clarify policy do or not !!
Hi Lakhvir,
Your daughter is eligible for this scheme.
Hello sir meri beti ki birth date nov. 2004 ki h kya me abi uska is sceme me account open krwa sakti hu. Or me 1000 pr month deposite krti hu to after 21 year kitna amount milega
Hi Renu,
Aapki beti eligible hai aur aap apni beti ka account open karwa sakti hain. 2036 mein maturity value Rs. 634,654 milegi @ 9.20% per annum – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Can I open the account with 5000/- in place of 1000/-
Hi Umesh,
Once account is opened with Rs. 1,000, you can deposit more money in the account.
SIR,
If any Parents or a legal guardian open SSA.After some year’s the Parents or a legal guardian will be death.Then who the continued SSA .or who will be return balance amount ?
Thank you,
Suvendu biswas
Hi Suvendu,
Girl child or her legal guardian will have the option to either withdraw 100% balance and close the account or continue funding it.
Hi shiv
Ssa scheme
Monthly wise it’s changing the deposit amount it’s possible r not
Ex : 1st month – 1000
2nd month – 2000
3rd month – 1500 etc
Hi Devika,
Firstly, it is not mandatory to deposit money on a monthly basis. You are required to deposit money only once in a year. Moreover, it is allowed to increase/decrease the desired amount. Total amount deposited should not exceed Rs. 1.50 lakh in a financial year.
Hi Mr.Shiv,
Good Day!!
1) if I transfer the money after 1.5 Lakh, will it debit to her account or it will reject.
If it’s debited to her account, will they consider this amount for next financial year?
2) is it compulsory to deposit the amount 1,000 on 1st April of every year or we can deposit minimum 1,000 any date of that same year?
Regards,
Prakash Shetty
Hello sir
Kya ye amount income tax me show kar sakte hai
Yes Hitesh, you can show it for tax deduction.
What will be the criteria for rate of interest each year? Do this scheme has any specification for the yearly revision of rate of interest?
Hi Manik,
There must be some calculation method for determining its rate of interest. But, it has not been made public by the government.
Shiv sir, thank you for your post and clear communication with readers.
I wish to know if we can partial withdraw from this account on some unforeseen emergency? The commitment is of amount per month or per year? If we withdraw completly after 14 years then is it only the amount we deposit is paid or it gets some interest?
Thanks Swati for your kind words!
1. Partial withdrawal (50% of the balance) can be made only once the girl child attains 18 years of age. In case of some exceptional situations, you can make a request to withdraw 100% balance and close the account.
2. You are required to deposit money only once a year, not every month. However, you can deposit money as many times as you want.
3. You cannot withdraw money after 14 years. You can withdraw 50% of the balance as the girl child attains 18 years of age and 100% of the balance as the girl child gets married or after 21 years from the account opening date, whichever is earlier.
Main crpf mein job karti hoon jo transferable hoti hai transfer hone par main har mahine paise kaise jama karungi. Kya is account ko jahan jahan jaun wahan transfer kara sakti hoon aur har jagah adress proof mangte rahen to kya karungi?
Hi Anjali,
Agar aap ye account kisi bank mein khulwate ho, to aapko account transfer nahin karwana padega. Aap bank ki kisi bhi branch mein paise deposit karwa sakte ho.
Sir my daughter DOB is 04 Jan 2005 . She is eligible for this scheme
Yes Vijender, she is eligible for this scheme.
Dear Sir,
We have open the account in March – 2015. At present my daughter is 10 years old as on 14.05.2015. I want to know that how many years deposit the amount in this scheme. & when I will receive the maturity amount. (completion of 14 years / 21 years or her marriage time) .
Regards,
Ashok Sinha
Hi Mr. Sinha,
You need to deposit money till 2029 and the account will mature in 2036 or whenever your daughter gets married.
hello sir,thanks for your valuable suggestions.my question is my daughter’s date of birth is 26thmay 2006. is she eligible for the scheme.
Yes Kumar, your daughter is eligible.
Sir mari bati dab sal ki hai AGR m sal ka 10000 JMA krta hu to 21sal m kitna milag
Hi Akash,
Maturity value ke liye upar pasted table check keejiye.
Sir..meri daughter 7 year ki h agar m aaj 20/8/2015 account open karwata hu to mujhe total amounts maturity k sath kis date ko milega..beti k 21 yrs ka hone par ya account ko 21 yrs k hone par…
Hi Anurag,
Aapko maturity amount 2036 mein milega. But, agar aapki beti ki marriage 2039 se pehle ho jaati hai to aapki beti marriage ke time 100% balance with interest withdraw kar sakti hai.
Hello respected sir! Is it necessary to open a SSA in post office? Do I open it any bank branch like Bank of Baroda, OBC bank etc?
Hi Shanker,
It is not necessary to get SSY account opened in a post office. You can approach a bank as well for the same.
Meri ladki August 2015 mein 10 shal ki ho gayi tab mujhe kitane shal paise bharne ho gey aap calculation kar ke bata sakte ho
My friend like to deposit Rs.100 for her girl child For 14 year up to 21 years of age her child.Plz let me know exactly how much amount will he get after maturity.
Hi Mr. Dinabandhu,
It is not possible to calculate the exact amount you’ll get after 21 years as the rate of interest is not fixed at 9.20% per annum.
Sir meri beti 5 month Ki ho gayi hai Maine uska account abhi nahi khola hai ager Mein uska accout 12000 yearly kholta Hu to after 21st year ke bad amount kitna ho jayega
Hi Naval,
After 21 years, maturity amount will be approximately Rs. 640,517 @ 9.20% p.a. – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
My daughter aged 10 years (13/10/2004) I wants to deposit Rs1000 per month I want to know how much she will get after maturity date if I starts depositing Rs1000 from 13/10/2015
Hi Prashant,
You’ll get approximately Rs. 634,654 after 21 years (in 2036) @ 9.20% p.a. – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
My daughter is 5 years old and I would like to invenst RS. 1,50,000 per year in SSY. After 14 years she will turn to 19. But is it possible to withdraw some amount when she will be 18?
Yes Mrs. Kale, your daughter can withdraw 50% of the balance amount (with interest) as she turns 18.
My Daughter aged 2 years. Please clarify the following clause.
Please note that the girl attaining the age of 21 years has no relevance to maturity of this scheme.
Regards
Ashish Goyal
Hi Ashish,
This scheme is for 21 years from the account opening date. But people have the perception that it matures as the girl child attains 21 years of age, which is incorrect.
Sir agar Mai 21 year tak 10,000 par month karvata Hu to mujhe kitna retarn mile ha pls tell me 09646446717
Hi Lavish,
Rs. 10,000 per month jama karne pe aapko Rs. 63,46,537 milenge on maturity @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Hello sir Aaj Maine apni bati ka kanya samriddi yojna me 12000/ sal After 21sal me kitna milega
Hi Rakesh,
21 saal ke baad aapko Rs. 640,517 milenge – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir jaise Ki 120000 year jata hai nd 14 year Ki jangha 21 year karwata Hu 2520000 ka kitna mile ga
Hi Lavish,
Aap 14 saal ki jagah 21 saal amount deposit nahin kar sakte.
My daughter is 2yrs old if I deposite 2000/month after 14yrs what will be the maturity amount. Pls rply me
With regards
Kavita
Hi Kavita,
After 21 years on maturity, you daughter will get approx. Rs. 12,69,307 @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir my daughter age 9/03/2002.
Second daughter. 18/03/2003.
Is eligible hi
Hi Shiv,
Your daughters are not eligible for this scheme.
I want save some amount as Deposit for my child now she is 4 year age baby . I just deposit only Rs,1000 yearly , , please replay me how much I get return after age of my child 21 year
Hi Rohidas,
This account will mature in 21 years from the account opening date i.e. in 2036. Your daughter will get approx. Rs. 53,376 in 2036 – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir, i am saving now Rs.1000 per month (So, yearly Rs.12000/-). Is it possible to increase the savings after 2 years as 25000 or more?
Yes Chandramohan, you can very well do so.
sir my daughter bod is 23.11.2007.if i deposit 120000 per year so what will be maturity .n how much can i get at time of her marraige
Hi Ramlalwani,
After 21 years, you’ll get Rs. 6,405,171 @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
sir my uncil doughter age08 years kya usko bhi labh mil sakta hai yadi hna to kitne salno tak jama karna hoga kitne sal bad niklege
Hi Mahipal,
1. Aapke uncle ki daughter is scheme ke liye eligible hai.
2. Aapko 14 saal tak paise deposit karne honge, aur account khulne ke 21 saal baad aap balance amount nikaal sakte hain.
Hi,
am depositing 1000/month from march-2015 in post office & after my daughter reaches 21 years pls confirm whether any deductions would be there when we withdraw after 21years
will my daughter get the money(6,40,000) if unaccidentally anything happens to me after i pay for 14years
Hi Swamy,
This scheme do not carry any insurance feature. So, your daughter will get return only on the amount deposited by you and Rs. 6,40,000 is not guaranteed.
dear sir meri doughter ke age 10 saal hai,muja yah janana hai ke bate ko kiss age main yah bainefet mailange
Hi Sunny,
Aapki beti 18 saal ki age mein 50% balance aur shaadi hone pe 100% balance withdraw kar sakti hai.
Sir, kindly answer the following about this scheme:
what if the girl child dies before the maturity of the scheme? will the parents be allowed to receive the money on or before maturity?
Hi Harish,
In case of unfortunate demise of the girl child, parents/legal guardian can withdraw 100% of the balance and close the account.
Is the scheme’s investment portion is also tax free or only the profit portion is been exempted from tax?
Hi Harish,
You get tax deduction u/s 80C equal to your investment amount and your investment as well as the interest earned, both are tax-free.
Sir , Do this plan cover the life insurance of girl and parents till the maturity of plan ? My girl is 1 month old now can i open her account now ?
Hi Jayesh,
1. This scheme does not carry any insurance provisions.
2. Yes, you can get this account opened for your daughter.
We can operate online “Sukanya Samriddhi Accounts” because very difficult on withdrawal maturity money or misshaping in death case as legal guardian or account holder.
Ma 1salma 12000 jama karvata hu to muja 21salma ketna melanga?
Hi Hiren,
Aapko 21 saal baad Rs. 640,517 milenge @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Hi sir My name is ranjith now my girl child age 4 years. I opened account on 4/01/2015. i am depositing 12000 thousand per year. How many years i have to pay and when is the plan maturity. And also how much i will get at the end of the maturity.
Hi Ranjith,
You need to deposit money for 14 years and the account will get matured after 21 years i.e. in 2036. Maturity amount will depend on your deposit money, rate of interest and timing of your deposits.
Hi,
My daughter is 2 yrs ols. Now Im month deosit Rs.1000/-. Can I deposit a bulk amount in any month of the year. If I deposit 10000/ wht was my maturity amount.
Hi Anjana,
Yes, you can deposit a bulk amount in any month of the year. You’ll get approximately Rs. 533,764 @ 9.2%, if you deposit Rs. 10,000 every year.
Thanks for your valuable information..
You are welcome Anjana!
Sir,
Meri beti 9.5 sal ki hai,Maine usaka khata Aparil mai kholahai, har mahine1000Rs jama karte hai.Abhi mere pati ka nidhan ho gaya ,Mai abhi paisa nahi bhar sakati Hu mai kya karu ?
Sunitaji, aap apne deposit paise with interest nikaal sakti hain.
Sir
Agar har mahine 2000 rs jam kara ho or 1 sal bad m koi karan se 2000 ka 500 rs jama kar va sakata hu kya or agar kar va sakata hu to jo pahle2000 karvaya tha uska kitna milega
Hi Amit,
Aapko saal mein minimum Rs. 1,000 deposit karwana zaroori hai. Har mahine Rs. 500 jama karwa sakte hain. Maturity amount aapke contributions aur rate of interest pe depend karega.
Ye bhut achi yojna h..verry good scehm
Agar main 150000 rs yearly deposit karta hu to 14 yrs ke baad kitna milega aur 21 yrs maturity ke baad kitna milega plz detail main bataiye.
Rs. 1.50 lakh yearly deposit karne pe 14 saal baad aapka balance Rs. 43,23,966 ho jaayega @ 9.20%. 21 saal baad aapko maturity amount Rs. 80,06,464 milega @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Hello,
My question is, as the government has extended the age like a girl child who has been of 11Years can start her SSA till 1 St Dec 2015, than what will be the amount her parents has to invest & till what age?
Hi Sheetal,
It doesn’t make any difference if your daughter is 1 year old or 11 years old. Parents will have to pay for 14 years from the account opening date and the account will mature after 21 years from the same account opening date. Minimum contribution every year is Rs. 1,000 and maximum contribution is Rs. 1.50 lakh.
Mari bati ki age 9 year ki h m agar har sal Rs 24000 datha hu to muja 21 year baad kitna milaga or kub tak muja ya amount bharna h
Hi Sonu,
21 saal baad aapki beti ko Rs. 12,81,034 milega @ 9.20%. Aapko account opening date se 14 saal tak paisa deposit karna hoga.
Hello good morning sir, i have 2 daughters having oci card nd european passport..they live in europe nd in india for study purposes..her age is 16 nd 7…if i deposit 24000 rupees per year for each daughter…from 01.10.2015 starting…what i will get back in future…are my daughters are eligible for ssy…pls.guide me if u can via email…thank you very much…namaskar…
Namaskar Mr. Mahesh,
NRIs/OCI cardholders are not eligible for this scheme.
Sir, My child is 1 month old, her name is not decided yet , in that case
1. can i open the account ?
2. can child name will modify (till what age)?
3. Principal and Interest bot are tax free?
Hi Priyank,
1. Daughter’s name is required to open this account.
2. You’ll have to check with the post office/bank whether you can change the name of the girl child or not.
3. Yes, principal and interest both are tax-free.
Thanks Shiv
my daughter now 6 years she reach HER 21 YEAR i want to get 500000/-hw much i want deposit monthly.
thaks®s
sajeevan
Hi Sajeevan,
This scheme matures in 21 years from the account opening date. Your daughter’s age of 21 years has nothing to do with its maturity.
if i paid 4000 rs /month than .why did maturity differ accordig u rs.2538615/2501219
Hi Mr. Sanjeev,
Maturity amount differs as you are depositing money on different dates – on a monthly basis and on an yearly basis.
plz rep
meri beti 9years old hai agar 36000/-per year jama karta hu to 21 years per kya maturiti hoga .
sukanya samridhi yojana ke antargat 9years old meri beti hai esko 36000/- per years jama kare to meri bacchi ko matiuriti valu kitana milega kitene saal jama karna hai
Hi Anil,
Aapko account opening date se 14 saal tak amount deposit karna hoga. Rs. 36,000 har saal deposit karne pe aapko maturity pe Rs. 19,21,551 milenge.
SSA VERY MONTH I AM PAYING 25 DATE .WHICH DATE SHOULD PAY .TO EARN INTERT.WHU BECAUSE PPF PAYING VERY MONTH 5 DATE PLEASE TELL ME
Hi Makarnagaraju,
It is 5th of every month for SSA too.
sir.meri beti ka D.O.B 08/12/2007 hai agar hum nov-2015 se 1000 per month bharne se maturity ke bad kitna milega.
Hi Gurdeep,
It is approx. Rs. 634,654 which you’ll get on maturity @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Meri dotter 5 year Ki h me monthly 1000/ deta Hu to muje kitna paisa milega
Hi MK Meena,
Rs. 1,000 per month deposit karne pe aapko approx. Rs. 634,654 milenge @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir meri beti avi 7 years ki h to mujhe avi se 14 years tak amaunt deposit karna hoga ya aur 7 years deposit kar k 21 year ka wait karna hoga ya fir 14 years tak deposit karna hoga please reply me
Hi Siddiquee,
Aapko account opening date se 14 saal paisa deposit karna hoga aur account opening date se hi 21 saal baad paisa milega.
Sir
Mai apni beti k nam se post office me 1000/month jama karta hu ab ma chahta hu k bank me v apni hi beti k nam se ek aur accaunt kholna chahta hu to kya aesa possible h
Please sir reply me
Nahin Harun, ye allowed nahin hai.
Respected sir/madam
My daughter is 5 year old on October 2015. I am open suknya account on july 2015 with 1000 rs. Now I want to increase amount from 1000 to 2000. Is that possible to increase that amount? If yes, so what should I have to do. even I am continue deposit 2000 monthly so how much money I will get after 21 years.
And is the loaning facilities available with the scheme. If yes, so what is the percent of intrest rate? Even I will take 10000rs lone for 5month. So how much money I have to pay for 10000 after 5 month.
Plzz kindly explain me
Thanks
Hi Manish,
1. Yes, you can increase the amount from Rs. 1,000 to Rs. 2,000. You need to do nothing, but to deposit any amount of your choice.
2. Approx. Rs. 12,69,307 is the amount you’ll get after 21 years @ 9.20%.
3. Loan facility is not available with this scheme.
Meri Beti 21/07/2015 ko hui h .me yearly 6000 rs tak diposit kar sakta hu to ye ammount kitne saal tak dena padega? And kitne saal ke baad aur kitna ammount widraw kar paunga
Hi Mohd Sareek,
Aapko 14 saal paisa deposit karna hoga aur 21 saal baad approx. Rs. 320,259 milega @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Dear sir
i will increse 12000/pa to 18000/pa in next year is this possible
2-scheme will transfer post office to sbi ?
Please provide me right answer
regards
pooran
Hi Pooran,
1. Yes, it is allowed to increase or decrease your contribution every year.
2. Yes, you can transfer your account from a post office to any of the designated SBI bank branches.
Respected Sir/Madam
If I contribute 2,000/- monthly in one year i.e. 24,000/- and
If I contribute 24,000/- yearly
in both cases my maturity amount after 21 years are same or different .
Hi Rashmi,
Maturity amount will differ if you make deposits Rs. 2,000 monthly or Rs. 24,000 in one go.
sir please tell me your number
if I contribute monthly INR 3000 after 21years maturity amount how much my daughter will get. Right my daughter age is 4 years. Dear sir provide the calculated table.
Hi Srinivas,
Approx. Rs. 19,03,961 your daughter will get after 21 years @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Rd par tax kitna lagta h or mature value par lagta h ya interest par lagta h
Hi Rakesh,
RD mein interest amount pe tax lagta hai.
If I contribute 2,000/- monthly in one year i.e. 24,000/- and
If I contribute 24,000/- yearly
in both cases my maturity amount after 21 years are same or different
Which is better
Hi Rakesh,
Maturity amount will differ if you make deposits Rs. 2,000 monthly or Rs. 24,000 in one go.
Hello sir my daughter’s age is13yrs ,ican open this account or not ,if not what will be the similar type of options are available
Hi Rajesh,
Your daughter is not eligible for this scheme. You should consult your financial advisor to explore more such options as per your requirements.
Meri beti 1year 9month ki hai
2500/- par month jama karne par 21year baad kya amount hoga
Hi Ranjeet,
It will be approx. Rs. 15,86,634 on maturity @ 9.20% – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
What is the minimum age of girls for this SSY
Hi Sir,
My daughter dob is 26-11-2006 and if I am deposing 12000 per year then how much maturity cash will get after 21 years.
Sir, my daughter dob is26-11-2015, if i deposing Rs.12000per year then what amount will get after in 14 years and 21 years.
sir meri beti 3 mahine ki h agr mai apko 12000 per annum jma kru to 21 sal bad kia amount milega
Hello Sir,
My Daughter is 9 year and 8 month and now i want to open her account.
24000 year. Please tell me detail of maturity amount.
Thanks
dear sir, i have 2 daughters.. Can i save 1.5 lak/yr for each daughter.. Or just a sum of 1.5 lak/ year…
Kindly advise
Regards
Dear sir, is that possible to make an account from abroad??I am living in doha qatar(gulf). Want to open a account for my 6 month old baby.Please reply me sir
dear sir meri beti ka DOB 2/7/2008 hai oct 2015 se 1000 pr month ma krta hu to 21years me kitna milega aur kab tak jma karna prega please information me
Hello sir
If I pay 12000/ per year for daughter I need to pay until 14 years only right den after it will mature at de age of 21 years. And den when my daughter will age of 18 years n she getting marry how she will get money from where from bank account or will come to home to give money and der will be lot procedure to take or need this certificate dis letter etc etc .
Dear sir, please call me @ 99822-97872 or mail at [email protected].
Regards,
Manish
What if I won’t close the account after 21 year???
Plz reply
Dear sir, please call me @ 99822-97872 or mail at [email protected].
Regards,
Manish
ager sir me 5000 One year fix depojit karu 14 Sal tak to 21 Sal bad kitna milega muje
My daughter dob is 6 09 2005. Is she eligible for this plan
my doughter dob is 31/05/2005. is She eligible for this plan .
eligible hai to ager sir me 6000 One year fix deposit karu 14 Sal to 21 Sal me Kitna milega . Pl sir
My grand daughter is aged about 9 years. I want to open Sukanya Samriddhi A/c in her name. After 14 years or 21 years, what amount will I get.
My 25.03.2010.per month I deposit 12000 thousands. How much get after 21 year police scheme.
Hi ranjith is ur daughter still in d womb
my boby bod 26/10/2013 per year 8000 jama karne par 21 sal me kitana milega.
Dear sir..
Mene meri daughter ka SSA a\c open karvadiya hai. Mere question hai ke SSA a\c me gurdian hoo. Ager mere death hoti hai to meri wife usko handal kar sakti hai useke liye kya process hai .wife ka kyc documents sumbit karna padega??
Dear sir good evening
Aftr death legal gurdian ( husband )SSA A\C handal my wife pls suggest the process. Of kyc in post office
Dear sir, my daughter dob is 27 Nov.2015.mai 14 year tak 12000/year deposit karunga.mujhe 21 year per kitna amount milega.plz reply on mail.
Sir
meri beti BoD 25-06-15 Main her mahina 1000rs deposite karna chahta hon .kab tak jama karna hai.aur 21years main hum ko kitna amount milega .
Sir, my daughter dob is 10-03-2009, if i deposing Rs.12000per year then what amount will get after in 14 years and 21 years
Hello dear sir,
My daughter’s date of birth is 14-10-2015. I want to open her acount. Per year I deposit 30000 rs till her age 14th years so what amount i get on her 21st maturity time. Please reply me immediately
Hello, I want to know if I deposit random amount every year suppose 20000 in a month and 50000 in another , how shd I then calculate the maturity amount, plz help
Dear Sir,
My daughter’s date of birth is 27-12-2005. I want to open her account. Per year Rs. 24000/- wish to deposit till her age of 14th year so what will be maturity amount at the time of her 21st age. Reply me as early as possible.
My daughter 2year old how much momey i will receive aftet 21
hello sir me mera daughter ko her sail 12000 jamakarum tho 21 sail bath kit a amount milega
kya maturity amount income tax free hai
Dear sir
My daughter dob is 3 feb 2012 hum har saal 25000 jma krenge 14 saal tak to 21 saal me total amount kitna milega
Dear sir
I have opened the account of ssa . I want to invest 1.5 lacs in a year.I wa to know that can I deposit any amount in any month so that it becomes 1.5 lacs in a year. Or there is any fixed amount that I have to deposit on a fixed month. Should this amount be deposited on a particular date of a month
Ashwini kumar
Astt professor
i opened the account with the principal amount of 1000 rs per month now i want to change the principal amount to 2000 rs is that possible in this scheme?
Hello Dear Sir,
My Daughter Date of Birth is 15-07-2012.I want to Open Her A/c .I Deposit 18000 Rs Per Year Till Her Age 14 th Years So What Amount I Get On Age 21 st Maturity Time .Please Reply Via E-Mail
hello sir abhi me 1 mahine me 1000rs. bharta hu to 1 ya2 saal baad muje paise ki jarur padi to kya me account band kar ke pure paise vapis le sakta hu? or pure paise milenge?
Dear sir
I have opened the account of Sukanya Samriddhi A/c . I want to invest 50k to 60k in a year.I wa to know that can I deposit any amount in any month so that it becomes 50k to 60k in a year. Or there is any fixed amount that I have to deposit on a fixed month. Should this amount be deposited on a particular date of a month Please Reply Via E-Mail
kapoor chand
kya maturity amount income tax free hai
Hello Sir,
I want to deposit 24000 Rs in my daughter’s Sukanya account in March 2015. Currently only 1000 Rs is there in her account and I have opened it in August 2015. Should the total amount be considered for first year is 25ooo ? I mean am I here wrong to submit the amount so late ?
Dear Prashant
interest will calculate monthly basis, so from Aug 2015 to Mar31 2016 they will calculate and for the rest amounts Rs.24,000 or what ever they will calculate from the date of deposit to Mar31,2016 rate is 9.2% for the financial year 2015 to 2016 and will continue till maturity ROI may change in future.
Sir,
My daughter’s D.O.B -2nd December 2015 is she eligible for these scheme?
If not, any idea to increase the scheme limit?
Hi sir i have two doughter one is 9.5 and other is 11.7 years we can diposit 2000 per month how much will gat at 21 years at child
Hello
Sir mai 1000 rupaya jama kar raha hu aur meri beti ka janm 22 jan.2009 Hai yani ki 6 sal ki hai
1.mujhe meri beti 21 sal pure hone par paisa milega????
2.ki khata khole jane ke 21 sal bad???
3.agar mai beti ki sadi 21 ve sal me karta hu to kitana milega?????
Mera mo.no.9971632969 hai
Dear sir,
Meri Beti ka DOB 31.10.2014 hai
mai harek month 2000rs jama karta hu
to mujhe 21 saal me kitna milega or mujhe 14 saal tak hi jama karna hai na yani ki 336000 na
How much money it will get when I will invest in it..
Hello sir
My daughter DOB 14.01.2010
I have deposit 2000 monthly.on maturity i will get……
My daughter 6 year
21 year bad kitna milega….
my daughter date of birth is 14/08/2006, i am entitled to open a/c
Sir meri beti dob12/10/2015 mai 12000yearly karana hai 21year mai kitna milaga?
sir, meri beti 9 sall ki hai 4000 jama karne par kab maturity hogi aur kitna milega
if i want to deposit for yearly like in 2016-10000
and for 2017 – 5000 it is possible for deposit different amount in other year
what if girl is not marred after 21 year ?
can i transfer ammount from my bank account without contact post office
In case child has 9 years at the time of opening account then how many years required to deposit and can i withdraw the amount at the age of 21
9+14 = 23 yrs
for 14 years you have to pay.
at girl’s 18th year you can withdraw partial amount in case of her marriage only. after 21 years u can get all money
sir
meri beti 1o din ka hai mai chahta hu ki aap mujhe salah de ki mai apni beti k kiye kuchh kar saru aap ka yojna se.
santh sadan
9586756029
please call me this number.
i want to see this details in email to send my sister
Is the maturity value taxable ? Please clear my doubt.
sir sukanya s.may her monthely kitna paisa jama karna partha hai.100rs ya 1000 rs
Meri ladki 8 sal ki aap rasta betao pkz
meri beti 8 year ki h sabsa accha saving plan kon sa h
Dear Team,
If I take the scame today, maturaty value is fix or changable.
My daughter dob is 26-11-2006 and if I am deposing 12000 per year then how much maturity cash will get after18years.
My daughter dob is 07-09-2015 and I am opning account 16-01-2016 I pay 12000 per year then how much maturity cash will get after 21years
Please call me
Hari Singh
Jodhpur osiyan
9982293285
My daughter having another name on birth certificate, it can be change in future, will we have to do any Formality’s for changing their name in this scheme?
My sister is 10 years old..abt ur scheme we have to deposit approx 14 years..and money will be return back
.when she is mature.at the age of 21 years.. acc.2 me 10 +14 =24…bt money deposit only 14 years. and refund in 21 years ..on wht base calculate the age…
Age qualification of a baby to open SSA account?
Meri beti 2sall ki hai sabse aacha plan konsa hai bataye.
My daughter is 24 days old if i deposit 150000 pa for 14 years. after 21 years
how much money get my daughter. THANKS & REGARDS
PLS TELL ME ON 09545171666
My daughter date of bith is 30.01.2014. Can I am eligible
Hello,
This is Mrs. Sheetal Kale. I’m housewife. I have a qustion that if I invest Rs 12500/month in SSY for my daughter and Rs 5000/month in PPF for myself,is there any problem?
Muje puri jankari dijiye
Dear sir,
mene dena bank me account open karvaya hai lekin dena bankvale paasbook dene se mana kar rahe hai to me kya karu? ab mere ko dena bank me account close ho sakta hai???
Meri sister 13 year ke he .
Me kya uske liye yojna start kar sakta hu.
Sir m 1000 rs har mahine jama krta hu to 14 years m mera balance kya hoga aur mera maturity balance kitna hoga after 21 years aur 18 years ki doughter age m kitna nikal sakta hu full information i need
Sr mera post office me khata hai use SBI me transfer or sakta hu
Sr post office se SBI me transfar or skate hain
Sir,
My daughter in present time 7 years and I will deposit 1000 rupees
Monthly so, I can found six lakh rupees or maturities
Amount after 14 years.so please reply me
sir my daughter is 9 year old, how much year deposit the money and after how much time the same will mature, total instalment will be given
Agar mAi yearly 24000 rupees jana karta hu or 18 mai 50% laita hu 21 year mai kit a milaiga
Sir meri beti anshika ka age 3 year’s mai apne najdiki post office bank mei acount open kiya avi bank karmi bol rhe hai ki eskim closed ho gaya plz àap detail bataye ham kya kare
who is isponsored this schems, or by whom this sukanya yojana is opened
by whom this sukanya yojana is opened?
or who is isponsored this schem?
My daughter dob is 28-07-2011 and I am planning to open an account in 2015-16. I will be depositing12500 per month, my question is that maturity amount which I will get is it taxable?
Hi sir,
ha sir hamne hamare beti ka account postoffice me open kiya hai.. lekin post office se jo passbook mila hai wo sukannya scheem ka nahi hai… all passbook coman hai…
sir ji,
kya sukannya scheem ka passbook alag milega ya wahi coman passbook (usper likha -SSA Account type) wahi rahega…
9
My daughter is only 5 months old. Is she eligible for the scheme
Dear Sir
Sir made beti abhi 5 din ki h muja kab account open krana hoga. Pleases Answer
Hi sir
Kya 10years ke baad girl child ka account nahi open ho sakta
sir i lost my book what can i do i am staying at vasai
Hello Sir,
Mere Ladki 09 Sal Ke He To Muje kitena Ruppe bharna Hoga or Kitane sal
Dear sir
sir mere chhote bhai ki ladki 2 he. birthdate 25/8/2008 & 12/6/2013.
to muje bataye k ek 8 shal ki or dusri 3 shal ki to muje kitne sal tak ruppe
bharne padge or kab milege or me ye SBI bank ME khulva sakta hu kya.
or me dono k name se har month 1000/- rakhu to muje kitni amount accaunt me jama hogi.
What happens in case of parent’s death? How does the scheme continue?
Meri beti ka date of birth h 25/12/2015 kya abhi me account khulwa sakta ho
sir
Meri bati april 2015 me 10 sal ki hone per maine uska acount ssy khulvaya hai. Mai janana chahta hun ki kya bati ke 21 sal pure hone per yadi 22 sal mai uski shadi karni hai. To kaya mai yah acount band karva kar apna paisa shadi ke liya le sakunga.
Hello can you please tell me what would be the better option monthly deposit or yearly?
Because amount in both the tables vary.
MAIN YEARLY DIPOSITE KARNA CHAHTA HUN.
Hello Sir,
I have some question about SSY
1)If we start SSY account with 3000 Monthly Contribution and after some year can we increase it to 5000 monthly or decrease it to 1000 monthly??
2)After maturity period of 21 year, we(Parents) need permission of our daughter to withdraw maturity amount??(cant we remove amount without authority of our daughter? )
3)where will be safe to open account in post or SBI?
my baby born on date 11/12/2015 we are we able to participate in plan
Dear Sir
my daughter date of birth is 8-2-2010
so can i this policy..
and how much minimum deposit in a year
my name is rajesh my kid dob is 8-9-8 i invest 15000 per year what would be my maturithy after term 21 years
MERI BATI KI UMRA 11 SAL HAI YADI MAIN SSY MAIN DIPOSITE KARTA HUN TO MUGHE 25 SAL ME SHADI KARNI HAI TO KYA MEIN YAHA SKEEM BAND KAR SAKTA HUN.
Hello Sir,
I am Mr. DEPOSITOR. Just in case, in future, I want to use this money for my personal use and my daughter do not agree, still the money will be given to me (depositor)???
respected sir,
Pls. let me know any scheme for boys. ?????????
PPF is a good idea.
i would like to know is there any tax cutting for sukanya samriddhi scheme.
Sir., my grand daughter is 7 years. Can I open her account now. If I am her guardian what will happen in case of my death.
Sir meri beti 3 year ki hai,salana 1000 jma karne pr kitna milega
1000 jama karne par maturity fund 625305 milenge
Yes you can…anyone else can pay the remaining amount. .only child can withdraw the amount after maturity
Sir I want to opening sukanya yojana For my 4month Doughter. How can i open
As per the bank, interest on SSA is applicable on the basis of days the money is there in account and not that one has to deposit between 1st and 5th of month like in PPF.
Thank you very much for providing the caluclation table of maturity amount.But I have one doubt that is if the guardian or parent of the child who is paying the amount of the account monthly or annually is disable to pay during the middle of the term that means if he died or some what happened to the person then what about the paid amount is there any exemption for those persons on payments
Nice question
My grand daughter DOB is 12/01/2005.
Whether she is eligible NOW to enter this scheme.
Also inform me the banks authorised to open the account.
28 Dec 2017 ko mujhe beti Hui hai. Kya mai ye policy let santander hoo.
Even dec ’17 is too far and you already finalized. Bhai kamal hai 😉
In sukanya samridhi yojna not risk cover risk cover only is life insusurance corporation of India’ for more detail contact me whatsapp no. Is 09816908452 ‘ 09459597452
Sunil Ji good evening in this scheme not risk cover risk cover only is Lic of India ‘ for better future your child I vest in Lic for more detail contact me ‘ Lic insurance finance advisor my whatsapp no. Is 09816908452 , 09459597452
Sukanya
Dear Sir,
In this scheme do we have to fill form H 15 yearly.
Sir, I have following queries, please respond.
1. What are the tax (liabilities) benefits for the parents who put funds into SSY for their girl child ?
2. Hypothetical, but, what happens to SSY if the girl dies with in payment period or between 14-21 years ? Will the parent allowed to take back amount or wait for 21years ?
3. Will SSY allows the parents to part withdraw SSY accruals with 14yrs or 14-21yrs, to get medical treatment of the child (showing medical proof etc) ?
Good question.
Reply the above 3 Questions.
Private hospital ka birth certificate chl jayega kiya
Sir, I have following queries, please respond.
1. What are the tax (liabilities) benefits for the parents who put funds into SSY for their girl child ?
2. Hypothetical, but, what happens to SSY if the girl dies with in payment period or between 14-21 years ? Will the parent allowed to take back amount or wait for 21years ?
3. Will SSY allows the parents to part withdraw SSY accruals with 14yrs or 14-21yrs, to get medical treatment of the child (showing medical proof etc) ?
REPLY
sir, My son is working in USA and I have been blessed with granddaughter one month back born in USA. please advice can i open account for her.
sir, My son is working in USA and I have been blessed with granddaughter 7 months back born in USA. please advice can i open account for her.
This Scheme is applicable only to Indian Citizen No NRI can take advantage of this scheme.
Sir I started investing last year for my child.she is now 12 years.for how many years I am eligible to pay.if I am investing 150000 o’er year what will be the return at the end.that is at the time of 18 or 21.kindly give me a reply sir.
My daughter birth date 23 jan2007 I m deppositing120000 yearly I have to deposit for how many YEAR I opened the account in 2015when and how much amount I will get
Sangeeta Ji in this scheme not risk cover risk cover & fulfill planning & better future children it is possible only Lic of India more detail contact me my whatsapp no. Is 09816908452′ 09459597452
Dear mam,
If you invest daily 100 rs up to 20 yrs of child age, your kid will get 2200000 by the age of 25,In case of any risk to the parent future premiums will be waived.
Sir, I have a few queries about this scheme,
1. If I paying the amount yearly wise till some year after that i could not pay due to some financial issue what will happen can i get money whatever i paid or else shall we wait till maturity period.
2. After 14 years how much i can able to withdraw the amount.
3. Paying person(father) is something happened/died after few years, Is It cover till maturity period ? Can you please respond to my above queries.
Nothing…bs jo b deposit kiya he uska h interest mile ga.
Sir,
please advise me can if the guardian/parent of the child who is paying the amount of the account monthly or annually is disable to pay during the middle of the term that means if he died or some what happened to the person then any exemption for those persons on payments and what about the paid amount is there.
this is nice scheme for girl child…
Thank you very much for providing the caluclation table of maturity amount.But I have one doubt that is if the guardian or parent of the child who is paying the amount of the account monthly or annually is disable to pay during the middle of the term that means if he died or some what happened to the person then what about the paid amount is there any exemption for those persons on payments
hi
can ssa account be transferable from post office to bank. urgent
Account was opened by my son under Sukanya Samridhi Yojna for his girl child in July 15. Later on my son became NRI. Now I have learnt from newspaper that an NRI cannot open such account for his girl child. It was also there in news paper that if any such account has been opened before issue of these revised Govt. orders then the account is to be closed. Kindly clarify the correct position.
very nice plan
my daughter is below 1moth old, so can i open Sukanya plan…..
Yes u can open a account for one month old girl child
Yes! You can… I just did for my daughter she is 20 days old…
Hi,
I have opened an account for my daughter last month with a monthly installment of 12,500.
But as the interest is calculated for a financial year, can I deposit current years 1.5 lacs and last year 1,47500.
Is that feasible.
Thanks
Uday
can a ssp account be transferable from post office to bank ,pls tell i have not got reply till today
Is the amount to be invested in SSY per year is fixed or flexible ?
If i deposit rs.20 000 in 1st year, can i change the amount in future ?
Hi,
I have two nieces with age of 8 and 9 years old. If I open their account and submit 1000 rupees every month in both account then how much they will received at age of around 23 or 24 (near their marriage) ?
One more thing as I am their real uncle, will this amount be counted under 80 C, if Yes please explain how?
Thanks,
Dear sir
Mujhe aapni beti ke liye account start karna sukanya yojana chal rahi hai to mujhe reply kare plz
Dear Sir
am staying in abroad but my family completely set in Kakinada, AP, India. I am blessed with 3 girl child who are born in 2006 & 2012(Twins). Now is it possible to open Sukanya samruddhi account for all my kids?? kindly advise.
Your case is same with me, since i also had 3 daughters.I approached bank to open account for all of my 3 daughters(all are in eligible age), but the scheme seems to be for 2 girls only, and i opened account only for my 2 daughters in SBI
the calculation these you have done are based on 9.2% or current 8.6%
Maine apni two girls ke naam par april 10 ko ac khola, tha, mnth 1000 ke hisabh se, par mujhe is, year 5. 1 ke hisabh se int mila, hn . aisa, kyun hua, mujhe janana hn.
Mujhe iska, ans chaiye . kya, yeh scheme karana bhi hamri galti hn..
Private hospital ka birth certificate chl jayega kiya
Hello sir mai agr har saal 5000 ac me daalta hu ye mai 12 year tk kiya to us hisabse 60000 ac me jama hoge or baki ke 2 year me mai ne 1lakh ac me dale to total amount 1lakh 60000 14 year me huwa to Jo interest milega WO har saal ke hisabse milega ya 14 year me Jo amount jama huwa hai us hisabse milega please jawab do
Aapko interset har saal ke investment ke upar milega….kyunki har saal naya budget nikalta hai Aur usi budget ke dauran Ka interest us equal amount Ko milega…Aur every year aap Jo kuch amount jama karate Ho usi calculation Se after maturity aapko benefit milega….last 2 saal mai aapne jyada paise bhare to bhi aapko usaka Koi fayda nahi hoga…us amount Ka Koi bhi benefit nahi mil payega
Hello Sir / Madam
Yeh Scheme Abhi hai kya muje meri daughter ke liye leni hai jo ki abhi 10 Mahine Ki hai aur bataye abhi ROI kya chal raha hai.
girl child to good policy.ofter 21 year very good amount collecting.
My chayld has been 4 years and i paryerar 10’000 rs me mere ac. Me dalungato muje kitna benefit hosaktahe
Nics paln
dear sir mai sukanya smridhi yojna me paisa jama kar diya
or ladki ka sadi se pahle hi paisa nikalna hai to paisa nikal sakta hai ki nahi
gram krondkhurd post harangaon t.khategaon jila dewas m.p.
sukanya samrudhi yojna ke bare me muje jankari digiye please contact 9421453333
dear sir ,
if any parents have 9 years old girl open ssy acct. and for her higher educations he want money then what can they do wait 30 years for age or do marriage of his girl and then give higher educations, it’s not clear.
Sir,
My daughter will complete 10 yrs on 19 Oct.what the amount will deposit so we get 15 lac after completion of 21 yrs
My child
Good scheme
Sir,
Supposed to be one person deposit for 7 or 8 years after then he/she suffered for finance crises then what happens? whether he/she will get the money after 21 years on the deposited amount or not.
Dear S kukreja Sir
I have read your posts I m very glad to talking to you. Just need one advice.
My daughter is 4 year old.
I want to go for SSY. Maturing 21 years. But
If I invest in PPF I m getting my money in 15 years.
Then y do i invest in SSY?
if its poss once cal and give full details
Hello sir..is there any way to check balance amount online?
SIR,
I HAD A BABY OF ONE YEAR OLE WHICH PLAN IS THE BEST CAN YOU PLEASE SUGGEST ME WITH ENTIRE DETAILS.
Sir i open an a/c SSY & before 14 years if i am not live then my SSY how help my girl?
In case of SSY, post office & Bank interest are same & explain which banks are involved in this matter ?
Can I transfer the sukanya samriddhi yogana policy account SBI either post office, one branch to another branch. Currently I am working in Bangalore, if I will start policy in bangalore branch, can I change my policy to my native place (odisha) after some year if require???
If I invest 150000 per year so how much I get after 21 yaers pls relply . I can’t understand table pls tell me
Dear Sir,
My Daughter age is 9.4 months, and now i will open the account of every monthly deposit the 1000/- to 1500/- Till the 14 years of your sukanya samridhi yojanah. after my daughter age 21 years, maturity comes, me how much money will get………………..? Please calculate & tell me.
Regards
P.DHANRAJ
8978779063
7890762.00
Very nice policy in
agar beti ka age 6 years hai to shadi 21 sal me karata hu to kya maturity milega ya nahi or milega to kitna milega. plz. rlp.
Sir,
Is the monthly deposit amount is fixed or variable.
Dear sir mai sukanya yojana ka har month Jama karte hai use ham apna account ka balance kaise dekh sakte hai
Apna Account check karna hair .kaise
My daughter is 15 years old can I open Sukanya Smridhiyojana a/c
Sir;
A pane sukana samarudhi yojana chalu ki thi to apane bataya tha kind Rs.1000.par 21yrars keep bad 640000. Mileage par aja papatacha ki galat yojana hai
Dear sir/ madam
Is SBI sukanya & sukanya yojana are same or not??? If not give details about sukanya….
Who will get the amount at the time of maturity the girl or the parents
sir…
i am Mahesh .. my daughter one year old..after 21years i will get 10 lack.how much mony diposit…plse deatals
Very good jojana
very very exlent scheem
Merit beti six month ki hai. Mai account open karts hu to 1000 par month jams karts hu to 21 year calculated kitna hoga
Teri betI ko 5years agar me36000per month jama karunga 21sal ke bad maturity money kitana hoga
My daughter ‘s birth date is 2 july 2004. can she apply for Sukanya yojana
in 2016.
My daughter ‘s birth date is 2 july 2004. can she apply for Sukanya yojana
in 2016 in state bank of india
My two daughters are borned in USA..They have US passports however we are now settled in India since last 2 years and not willing to go back USA..I am Indian citizon .Can I open Sukanya Samriddhi Yogana?
Sir,
In the month April -2015 ,I opened account on sukanya samriddi for my daughter with initial Rs.1000 begining 3 or 4 month, I Made it regularly but due to financial problem, I couldn’t continue ,again now I’am willing to continue, it is possible to continue sir, Kindly do the needful sir .
Hello Sir
I read about sukanya samriddhi yojana very good scheme for girl child. I want to know whether any such scheme is for boy child also. kindly help me.
my child 7 year old plse detials suknya yojna
Sir. I have paid Rs.20000 for 2015 -16. I got intrest R’s. 1165/ is (5.5%) instead of 9.2%
So I want clarification
SUKANYA SAMRUDDHI YOJANA – MONTHLEY PLANS I WANT PLS SEND ME KNOW
Hi it is use very well for specialy Govt job holders thanku
My daughter born on 27.10.2004 .can we open sukanya samridhi accoun on her name.
Thank you very much for share thik important calculation of maturity.
sir, My son is working in USA and I have been blessed with granddaughter four
month back born in USA. please advice can i open account for her
Please correct the rate of interest ..currently 8.60 ROI applied.
I have two nieces with age of 8 and 9 years old. If I open their account and submit 1000 rupees every month in both account then how much they will received at age of around 23 or 24 (near their marriage) ?
If risk happened either guardian nor deposit holder(and not in a position to pay instalments i.e., example after 10 years) we must wait for 21 years?
this is for best scheme for our children future
Sir, I have following queries, please respond.
i have opened an account my daughter from 6 month but today i deposit the amount for the month of July 2016 while this account is not responding the amount so please get me clarification and how can i proceed . kindly do the needful sir,
good information but it is complicated and approx. to find exact date of birth we must have date of birth. I found a easy online tool to calculate date of birth http://www.onlinecalculator1.com/Date-of-birth-calculator.php
sir,
Please educate your kphp postoffice,pm to answer for child plan. When she was asked i want to deposit Rs 4000 to my grand daughter who has 10 months age. She replied that it is not posssible until i get the birth certificate and author card on the name of child. OK i will get the birth certificate but not author card( finger prints not posible and also iris.. i came to know that the judgement of SC.). Whether she know the rules or not. How the MODI GOVT. is working on girls can be known by this issue. Please let it be know to MODI. I want a final result.
I feel i will get a nice reply from you.
Yours faithfully,
G.badri narayana,
b5. f 05, LIG FLATS.
vent II, Phase IV, kphb.
Kukatpally(PO)-5000072
HYDERABAD. AP.
thanks modiji…..
why there is a difference in maturity amount for annual and monthly contibution.
For example: In case Rs.60000/- per year and Rs.5000/- per month maturity amount differs i.e., Rs.31,56,305/- and Rs.31,26,523/-
Sir I am monthly deposit 8000 rupees . . ac sukanya samriddhi account. Account open this year 2016. my daughter date of birth 27 nov 2009.after 21 years maturity value kya ho sakta hai
Sir my monthly deposit 8000 rupees in sukanya samriddhi account. Account open this year 2016. my daughter date of birth 2009.after 21 years maturity value kya ho sakta hai
D.O.B OF MY DAUGHTER IS 11-11-2006,AND IF I INVEST RS.5000/-PERMONTH IN THIS SCHEME.HOW MUCH AMOUNT MY DAUGHTER WILL GET AT THE TIME OF HER COMPLETING THE AGE OF 21 YRs. AND WHAT IF IN CASE OF AN EVENTUALITY. WHAT ABOUT THE LICs CHILDREN SCHEMES.PLS DO SUGGEST.
THANX.
I want to know is there any single payment plan in this scheme
ac
Thank you for simplifying SSY with your article.
I have a query. Can single parents (mother) avail this scheme without any hassle , as the baby’s birth certificate carries father’s name while the baby lives with the mother. Hope there would be no discrepancy at the time of maturity of this scheme. Please advise.
sir
meri beti 3years ki hay may sukanay yojna lena chahata hu
plz aap mujhe iske bare me batay accha hoga
name :-pankaj kumar singh
dear sir
sykanya yojna ke bare me batay
dear sir mujhe to bahut achha laga isko payment kerne ka mode kaya h
hello sir,
meri beti about two months kee ho gyee hai use liye invest karna hai, suanya samridhi yojna ke jankari chahiye..plz guide me
Sir,
My girl is 9 years old, i plan to invest 2k monthly. so as explained above if i need to invest for first 14 years, i need to know whether to invest up to the girl child attains 14 years or 14 years from now as of date. In that case the maturity would be 9+14=23 years . Please let me know
I have a question that if i want to surrender this policy after the age of 18year of my child for his marriage or higher education.
Then i have any kind of loss in maturity.
Hello
Maine apni beti k a/c m 17-06-2015 se har month 1000 R’s jaama karwaye. 01-04-2016 ko 360 meri beti k a/c me aaye ye kya hai or kyu aaye or kitne % aaye. Pls samjhao
Dier sir
5000 per month may apne bati kay acount may jama karu to 14 year bad kitana melaga
may haripadadas may mera bate ke leya ssa book opening keya on 30-03-2015 next premeum on 30-11-2015 submit keya but 18-08-2016 premeum submit kerne ke leya tha post master ne bola book laps hoya geya. help me………..
very good plan
Sukanya samriddhi yojana is best scheme for all indian girls there features. so that all family open one account any post office, bank which age have between ( 01 to 10)
Nice plan!!
Thank you very much for providing the caluclation table of maturity amount.But I have one doubt that is if the guardian or parent of the child who is paying the amount of the account monthly or annually is disable to pay during the middle of the term that means if he died or some what happened to the person then what about the paid amount is there any exemption for those persons on payments
hi i want to open the ac but confuse kya apki calculation k hisab se muje inst milega. kindly inform me
My daughter birth date is 12 December 2005. How many years shall we deposit the amount in SSA
My daughter birth date is 12 December 2005. and we have Started the SSA in 2015 March. How many years shall we deposite the amount in SSA
sir ji mujhe account open karvana jo ki ek hi bar deposits karna hai
My daughter born on 30th December, 2011, we intends to open SSA with an amount of Rs.1,000/-, how many years shall we deposit the amount in SSA and how much amount will we got at the time of maturity.
This is a game changing scheme implemented by the Indian government. I believe a responsible person from any middle class or lower class family having a girl child should invest in Sukanya Samriddhi Yojana. The interest rate is good. Plus, it is also not taxable. Once the child is grown up, she will need money for higher education. Here in India, we spend a lot of money in marriages. This way, we can even use this money at the time of her marriage. No worries, whatsoever.
sir please put present financial year intrest rate chart
Dear sir please send complete details of this scheme
6 Step Process to Transfer Sukanya Samriddhi Yojana Account from Post office to Bank.
More info@https://www.moneydial.com/blogs/6-step-process-to-transfer-sukanya-samriddhi-yojana-account-from-post-office-to-bank/
How to tranfer sukaniya account to bank
Hi,
Sir, abhi ek case mere friend k yaha hua so me usse related kuch information chahta hu. If a girl child goes for love marriage without permission of her parents then who can have that money? A girl can withdraw fully without her parents or A parent can get that money?
Please suggest.
Thanks
dear sir,
how withdrowal jandhan yojna amount because my daughter had died in 14 years
In financial year 15-16 if i investing 5000/- per month and suddenly for any reason i am capable to invest only 1000/- then it will be work..??
Sir, can I transfer my sukanya account from to SBI bank in the same city.
plz
Sir my daughter is9year11month old if i create sukanya samradi account 1000fix amount per month. What would be my maturity amount after 21year.
Thank you very much for providing the caluclation table of maturity amount.But I have one doubt that is if the guardian or parent of the child who is paying the amount of the account monthly or annually is disable to pay during the middle of the term that means if he died or some what happened to the person then what about the paid amount is there any exemption for those persons on payments
This scheme is nce but lot of issue is not open but i want to known if Delhi sarkar has been changed then can policy is continuity or any problem arise
I also want to open a account of my daughter two
Karpya chahta hu sir
(1) ,Sir meri beti abhi 1 shal ki hui hai me uska sukanya samriddi a/c kholna chahta hu
(2) sir dusri bat ye he kee me 14 shal kee amaunth ak shath hi jama karna chahta hu
(3)Rs.84000 hajar one taim karunga uske bad me mere pas 14 shal tak bharne ko pesa nahi hai to muje meri beti ki shadi yani kee 20 shal tak kitani amaunth milegi sir
Pliz
Riply mi sir
Karpya chahta hu sir mera name pappu singh rajsamnd rajsthan se hu
(1) ,Sir meri beti abhi 1 shal ki hui hai me uska sukanya samriddi a/c kholna chahta hu
(2) sir dusri bat ye he kee me 14 shal kee amaunth ak shath hi jama karna chahta hu
(3)Rs.84000 hajar one taim karunga uske bad me mere pas 14 shal tak bharne ko pesa nahi hai to muje meri beti ki shadi yani kee 20 shal tak kitani amaunth milegi sir
Pliz
Riply me sir
SSA 9.1% is totally cheating. i received interest annual for Rs.10000 only Rs.445. how it will be 9.1% they calculated like month 1. 1000 2.1000 3.1000 …. every month10 taken for interest they calculated like 1 month 1000 2. 2000 3. 30000….. like 10th month total 46000 the calculation is
46000*9.1/12*100 = 348 where remaining Rs. 562. very good postal department.
If we deposite Rs. 12000 per year for 14 years the total amount will be Rs. 168000 but in chart you showing total amount Rs. 343112. Please confirm
If we deposite Rs. 12000 per year for 14 years the total amount will be Rs. 168000 but in chart you showing total amount Rs. 343112. Please confirm
My baby born on 5-12-2016 is the int rate is applicable
suknya yogna ek achi yogna h.khas kr berojgar ..anuschit.jati bpl..adi family ko apni beti ki chinta se kuch fayda mikega..bhart me kitne aye roj.famaly susaid ka graf km hoge..kas 1s20 year girl ko b govt ya benk help de to graw ki bat ..aam logo ko tk bahuchay..
dear sir,
agar me 1000 rs saal me jama karta hu toh 14 saal baad kitna amount mujhe milega. aur 21 saal baad kitna milega.
Me 1000/anum JMA Marta hu 14yr bad,21yrs bad kitna milega
Agar me
Sir, Do let me know if i deposit 12000 in a year one time payment or i give part payments within year like one month 2000 second month 10000.
But given 12000 in year is eligible for a yearly calculation of 9.10 R.O.I calculation.
Please Revert…
Just wanted a clarification, if I go for a monthly deposit say INR 1000/- can this amount be changed to any other amount during the year, or the amount deposited once remains fixed to be paid subsequently for the rest of the tenure.
You can even pay 100 RS after initial payment. The minimum amount per year is 1000. The maximum is 150000 per year. The initial contribution is 1000rs. This flexible.
can i deposit different amount in different year ??
Is there any yojana for small kids? Not only female for boys also. I have a two year old boy. Can you suggest some scheme for him?
sir in which we consult sir in some banks there not telling u should pay monthly 1000 we want to pay early 1000sir what we can do my child DOB 7-9-2015
Sir
14 Yrs tak ya 14 Yrs Age tak
sir can nana or mama or nani can depsit in this scheme
I hav open the account in postoffice… shall open again in bank
agar me 1000 rs saal me jama karta hu toh 14 saal baad kitna amount mujhe milega. aur 21 saal baad kitna milega.
Nice sir
account open
Before 2_12_2003 what we do sir my Child date of birth is 26_5_2003
Thank you very much sir for your proper guidance in this scheme.
Sir,meri behan pregnancy main death hui hai or uski 2 betiyan hain or usake pitaji use nahi posate hai or usane dusari shadi ki hai to kya mama account open kar sakata hai kya?
Meri bachi 10 year ki hai mai har sal 1.5 lakh 14 year ki hone take jama karu to 21year me kitna rs milaga
Ihave to fixed RS. 25000/- for my daughter in ssy in post office. My daughter’s birth date is 24.11.2011 after 21yrs. how much will i get money.
Sir,
please advise me can if the guardian/parent of the child who is paying the amount of the account monthly or annually is disable to pay during the middle of the term that means if he died or some what happened to the person then any exemption for those persons on payments and what about the paid amount is there.
Also I want know that after maturity the sum assured amount will be credited to existing guardian/ parent account. or not ???
In future if the present Gov. will be change then what about the SSY, is there any minimum Rate of interest ????
Meri daughter 3month ke he to konsi yogana me investment karu to Meri daughter ko benefit mele?
sir 21 after interst pr tax lagega kya tax free nhi sari amount kya
agar 6 saal baad acount bnd krde to deposit pymnt ka kya hoga
Meri daughter 5 year ki hai uski kanya yojana krvana chahti hoon humari id adhaar card mohana sonipat ka hai or vhin sbi branch mohana sonipat ki hai kya mein gurgaon sbi khandsa road ki branch me kanya yojna krva sakti hoon
Sir my daughter borned on 29 sep. 2013 which scheeme is suitable for my daughter. May i use this sukanya yojna for my girl child. Which is between 1 to 10 years.
You shud put in SSK account..it is a good option
Thank you very much for such an informative article. It really helped.
Actually sir, mene what’app per msg pada tha ki if you open a/c in ssy so you get 14lac after 14 years.so how much we invest in this scheme.
Most of the queries asked by people are not cleared here about this scheme.
plz sir account balance inquire kase kare
Meri beti 9.4yrs ki hai agar main ab 1000/month ka SSA ac kholti hu to mujhe kis year me 6,00,000 rs. Milenge.aur agar mujhe 24yrs me beti ki shaadi karni hai tab kitni amount milegi?
Agar m 1000Rs jma kru to kitna Milega
My daughter is 12 years old. Her birth date is 19.12.2004. Can I take Sukanya Samruddhi scheme now for her?
Can I open account for my new born baby
Can I open account for my new born one day old child
Dear ,
How to change name of the procedure in Sukanya yogna of my daughter,please help
My daughter is 10 plus. Can i open ssy account
My doghter new account open
sir
i sow your maturity table i annual deposis 12 month 12000
ii table 1000/month up to 12 say 12000 same amt than maturity amt differ i after 14 years 343112 and after 21 years 631261 in my view deposis 12000 at a time not in instalment
ii 1000/p montu maturity after 14 years 334804 after 21 years 625305 how calculated i confused perhaps in monthly instalment
mahesh
8505844771
Meri bety ka ye poleci meny liya but jadi Me 12000/- ak sal Me diposit karta hun to ye 14 year’s me 168000/- hota hy To mujhy 21year Me total mututry amount kitna hoga plz koi bata sakty hy kya
Dear sir my daughter age 12 year so my daughter eligible this scheme.
Can I pay amount for sukanya samrudhi yojana term wise for bank or post office
Sir, brother opened a SSA in his daughter’s name. Now he was died. Who will paid remaining year of deposit.Please specify what e
Ok. I am interested
What about taxability of maturity amount.. i heard that it is taxable. Is this so…..
What is the Tax Free interest rate for 2017-18? Is it still 9.1%?
Thanks!
http://simplepassive.com/
my ne manthly 1000 rupe bannachatha hun
magar badme prablam tho naihogana
my ne meri betika palaci kholna chathahun mantyly 1000 banunga magar merku kethna milega
my daughter is cross 5 year on 12 june can i open the account?
SSY OR SIP iss dono me se konsa option ascha hai.
Mere GHAR judwa betiya hui h kiya dono ka 1hi account khulega ya alag alag khul jayega
Hi, Great Article. I am prospective borrower and was wondering how to use an online EMI calculator.https://www.loankuber.com/content/emi-calculator/use-emi-calculator/
D.O.B -12/02/14
Dear sir mere yahana meri beti ka janam hua hai ; sir kya mai is yojna ka labh utha sakta hun.mai 1500/ Rs per month polcy ka labh lena chahta hun. my contact no. 9956217139
MydaughtetDOB 19-2-2012 h jiska acc. July2016 me khulvaya h jo ki monthly 3000 Rs kist ka h 21years ki hone pr kite rupye milege lumsum sir reply my wattsp n. 9783063000
Dear sir
Meri beti ka ssy ka khata post office me khulwaya tha usko sbi me transfer kaise kare sir please bataye.
mazi mulgi 12 Varshachi aahe hiche karita hi yojna lagu hote kay tiche dob 19/05/2005 Aahe pl anser
19/05/2005 Dob mulila hi yojna aahe ka
Private hospital ka birth certificate chl jayega kiya
Dear sir,
Mujhe ye ssy me beti ka account khulana chahtu to sabse accha mins koun sa plan lu jo interest jayada mile please
Sir,
I have one query that,
I have opened one SSA in a post office for my daughter. Is it possible to open another account in Bank for my daughter?
Dear Sir,
I am paying once in a year through SBI, last year I deposit 24,000 Rs, this year can I deposit 25,000 Rs, or should I deposit the same amount which I do the deposit last year.
Hello Everyone,
First of all let me tell you that everything has its own merits and de-merits. Same with this sukanya samriddhi yojana also.
Benefits/Merits:
1. Long term gain i.e all your investment will be useful for your child education/marriage etc .
2. Interest is good then other savings like PPF/FD/RD etc
De-merits:
1. Its a long term plan where you will invest your money till 14 years from now if you are starting today. And then 7 years you have to leave the amount in account without any further investment and post 21 years only you will be able to get money for your daughter marriage (may be post submitting the marriage invitation card). Yes you can get the partial amount before 21 years for your daughter education (Post showing the joining letter from institution).
2. What if the guardian unfortunately dies in between and not able to pay the amount, No information is available in sukanya scheme document and no one know what next? I checked with bank and they were also not able to answer this question.
3. What about the amount which was deposited in account till the guardian was alive? What will happen to that money? Bank will say it will be given to daughter. But do you really think it will happen? I doubt on this because daughter would not knowing much information about this or how to get the money from account etc.
4. What if the child unfortunately dies in between (lets say before 14 yrs)? what about the amount which is deposited? and Do the guardian have to continue depositing the amount till 14 yrs? and when and how he will get back the money?
5. Every Quarter the interest rates are getting changed, and yes during budget obviously the interest rate will not remains same whatever is now. This point is common for all deposit schemes.
6. These schemes are launched by politicians with involvement of govt. If you will see, previously there was a scheme called “Rajiv Gandhi Equity Savings Scheme” which is now no more existing.
7. Many schemes are launched jan dhan yojana, sukanya samridhi, bla bla…. But how long they will be there? Any guarantee?
I am not saying anything negative or positive here about this scheme. But trying to tell you all is that before investing think minimum 10 times. It really sound good that “if i start saving from today for my child , during her marriage time there will be huge amount and things will run easily”.
But have you ever thought about the points which ever i have mentioned? Guys/Frnds… 21 years is not a short period… think several times before investing.
Dear Sir,
I want to know if die parents after start the account and before 14 year. if not paid after the die then what would be.
If parents died before 1-13years of premium period
sukanya samriddhi yojana scheme
Mene abi meri baby ka sukanya yojna me account open kraya h.500rs monthly…kya me is amount k alawa b extra pesa is account me dal skta Hu…
Every person can open our daughter sukanya account
is this policy has risk cover or not.
Mujhe 10sep2017ko beti hui kya hm ye account open kra skte hai
If depositor has gone to god after 5 years then what will happen above scheme
In sukanya samridhi yojna not risk cover risk cover only is life insusurance corporation of India’ for more detail contact me whatsapp no
9911174472 & 7011905738
Can I increase the monthly amount after two years of opening the account?
hi nice scheme very verry
Very Lovely Scheme for Girl Child Future.
Sir, I have following queries, please respond.
1. What are the tax (liabilities) benefits for the parents who put funds into SSY for their girl child ?
2. Hypothetical, but, what happens to SSY if the girl dies with in payment period or between 14-21 years ? Will the parent allowed to take back amount or wait for 21years ?
3. Will SSY allows the parents to part withdraw SSY accruals with 14yrs or 14-21yrs, to get medical treatment of the child (showing medical proof etc) ?
Meri 10 years ki beti hai kitne year jama karna Hoga
Agar father ki dath Ho jaye to us condition me kya Hoga
Sir,
I have queries for this plan..
1, if i select for monthly mode pay, i start with 1000 this yr, suppose next I want to 2k per month, is this possible??
2, Is this go for tax benefit.?? Pls confirm .
Can I open a account in sister in law daughter child as a guardian
WHAT WILL WE GET IF WE HAD STARTED POLICY AT THE AGE OF 5 & IF GIRL GETS MARRIED AT THE AGE OF 20
625000
Ssy ka nambar hai aap ke pash
Sukanya wala banda ka aap ke pash mobile nambar hai kya
Plz Coll me 9967347714
o bhai iska interest rate change ho gaya hai !!! aap logon ko galat jankari dena band karo . 8.6 and now 8.3 aap kis jagat main hain bhagwan???
Hello sir
I want to know that if the maturity value of sukanya yojna is texable or tax free
In Sukanya yojana. Can I able to deposit different amounts in every year like ppf. Or not. Just like first year I am able to deposit rs 1000only. Next year I want to deposit 150000.is possible to deposit or not. Please mail
Yes you can deposit any amount in between Rs 1000/- to Rs 150000/-per year but the minimum amount to be deposited should be Rs 1000/-per year and the maximum amount to be deposited should not exceed Rs 150000/-per year.
Mem saal mein 1000 jama karte hai tho 21 year mein kitne milenge
Rs52,605-/
agar 1.5 lakh per year beti accnt mei daala toh…is there any prblm to father annual income r tax barna padta hai,? …bcz huge amount 50 lakh plus so …that much amount they vl pay hardcash after 21year age of daughter???????
Is sukanya samrudhi comes under 80 c
Yes it comes under 80C
My daughter age 1 month is she eligible to this scheme
If I deposited various amount I e 1000 in first year and then 150000 what’s the benefits
It’s nicee
Mujhe ye policy lena hai
if need any lic policy, mutual fund
Saal me 1000 bhare to 21 saal ke bad kitne milenge
Madam… Please send your no. I will explain about this account. What’s App me on 9816117193
Contact me ….near my place……
can this accout be opened by grand parents for their grand daughter if their son/daughter along with grand child resides outside the country.
Yes you can
what is the condition if the father has expired after some years and noone is capable to pay the premium of ssy scheme or the daughter has expired after some years.
Plz answer me carefully.
VERY NICE
Good morning San,
Very Good Plan…
Thank you so much.
If any reason stop before 14 years what happens
Sir can we open two accounts for one daughter in two different banks to avail more benifit
No madam its not possible. Only ac per one child. A parent can tak max of two ac for two girl children, n 3 accounts if its twin girls in the secind delivery.
Sir, my daughter aged is 7 If I want 2 deposit 10000 pm for 14 years her age be 21 years can I keep this maturity amount for next 7 year in Samriddhi account and if yes, then after aged of 28 can we get interest for next 7 year at the same rate
No..
Kya Sabhi sbi me account khul Sakta hai
Dear,
I would like to take these schemes for my both daughters who are at 9 & 7 yrs ages.
We are now residing in UAE, please let me know the procedures.
Nice
My children has 5years
How it passibule
plea take to full info
i want to join in this scheem . can i get from other than post office which offers this scheem please let me know for my mailing address.
thanking you
[email protected]
nice yojana…. i will apply for this .
Hi,
I need the information.his only for girls child.any same benefit for boy child policy,
Nice policy
Sir this year only i have hopened SSA account in the name of Prarthana k r .i went to subramanyapura post office to deposite amount in post office.staff told me our office under maintence so server is not working u can not deposite amount so i went to kumarswmmylayout post office deposited 25,25.thousand each day they said some limit to depsit another branch account, i want to deposite this year end closing atlest 1lakh but its not happned now what to do ple reply me otherwise i will be loosing my benifits postoffice pin code is 5600062, my daughter S S A acount no is -3785251346
Mujhe ye policy key details do
Agar meri beti 9 sal ki hai to pament kab melega
Mujhe lena hai please help line Gide kijiye
veri good plan
if the father experire.or he is not able to pay money, then what reaction will come. How much payments received if I pay 1000 per year
what is the condition if the father has expired after some years and no one is capable to pay the premium of ssy scheme.
Other insurence if the guardian expired company paying rest of the money.
What about sukanya scheem?
It’s nice like
Sir me her month ki bjay Saal me ek bar 25000 ki 1 hi installment jma kra sakta ho
Sir me her month ki bjay Saal me ek bar 25000 ki 1 hi installment jma kra sakta ho
Hi,
Can i open this Sukanya Samrudhi account in HDFC Bank. Please let me know. When i checked in Authorized Bank list, HDFC Bank name was not there. Bot, when i approched HDFC Bank personally, they said, yes u can open account here. Please clarify my doubt.
Regards,
Harish Kumar
Call me sir my no 9866323632 kishore
dear all,
nomination facility avilable or not in Sukanya Samriddhi yojana .
i want to take your policy
Need to open Sukanya Samriddhi Yojana account.
Pls advise on this
Hai sir,
Why all branches are not interested to open this account??
I went many branches but they were refused to open account.
Pls can you anyone tell me what to do if banks are refusing to open account..
Very yojana
I need to Account…..my mob no 9962652399
Sir/madam meri 7 saal ki bhatiji hai yadi abhi se 1000/- per anual deposit karte hai to 21 saal baad returning kitni hogi please give details
Is there facility of auto debit in Sukanya Samridhi yojana?
what is the condition if the father has expired after some years and noone is capable to pay the premium of ssy scheme or the daughter has expired after some years.
Plz answer me carefully
Dear Sir,
If possible to open account in SBI bank?
Please advise if i can open acct with 1000 rupees on present year and if possible i can deposit the money on any month not even any order or i have to deposit on particular month for every year.
May I open the Sukanya Yojana Samridhi account through SBI local branch?
Pls advise
give detail about this policy
I open a SSY at local post office. May I transfer this A/C at United Bank of India. please give me a advice. Mobile no: 7407276429
Hi, I am just wondering if the child is in overseas can this be applied? Thanks
Sir when i opened ssy interest rate was 9.1%, now it is 8.1% my ? is at the time of maturity at what rate i get my return?
My daughter DOB may2014 policy will start march 2018 premium will deposit last year?Final payment year?
Sir, I have started my daughter SSA in the age of 6, I want to know the maturity of the year
sir,
agar maine monthly 1000 paid kiya to after 14 yers kitna total jama hota he or after 18 , 21 kitana milega.
Dear Sir,
I am planning to open SSY account with SBI, Hitechcity Branch, Hyderabad, Is this account is transferable to any other Branch SBI across the India. Is it possible? Please advise?
Myself Amrutha my sister has born on 9/4/2003 is it is possible to open account in her name? And the deposition of every year is must and should?
Hi amrutha..
You can open only till girl attains 10 years of age.
koi new schemes aayi hai kya?? releted for girl…please tell me
reply me frnds
If daughter age 3 years shall I can start yearly sukanya samriddhi yojana ?
Yes u can start this scheme upto the age of 10 year.
My sister daughter is 6 years old now, can I open this account scheme now in 2018 ,
Why because this scheme is came into existence in 2015 right even now also we can open this scheme or not
S.S.Y. INTEREST RATE 9.2% SE KAM KAR DIYA HAI, KYA YAH SAHI NEWS HAI.
I opened this account for my daughter in Jan 2018. im yet to start with my yearly deposit . if i deposit before march 2018 will it be counted for this financial year?
600000
How could i fill online the sukanya samriddhi yojna premium
Sir tell me about the calculation of the SSY Scheme
Suppose I open accounts 1000/- per month at present income .Then six month after my income is now increase .so i want change calculating table it possible or not?
Please tell me one time plan in SSY
What is the maturity value if 10000 is deposited yearly n withdraw after 18 years
If unfortunately any accidents and scheme are not mature
I would like to open my account ..is 100/protect??.. plz tell me
Dear,
I want to know that icici bank available this scheme.
sir,
i want to know what is grace period up to December 1, 2015.
Dear sir/mam,
I hope this time you would answer my question. I have two question.
1. can i open SSY account for my daughter any of the bank or particular SBI branch only.
2.how to open this account means through the agent or direct to bank or post office?
Koi new policy age
very nice this scheme thanks.
Monthly 2000 so after 21 yrs how much got
My daughter is 5year next 21yearofter how many rupees given me
Mujhe katana he
21
1000 manthly
My Daughter Is 10 years and 6 months Old. So which Scheme is Suitable For Me Plz Suggest??
Plz ing my child 3years ahe kit years money bharu plz .
Kindly give brief explain details of total intrest of amount in 21years after and per years my doughter is in 3 year. So I am going to invest yearly 20000.
I have 2 girl childs
Can i open 2 accounts for 1-1 each ?
Dear sir,
My daughter was born on 20/01/2012.I opened her account in 2015.annually I deposit around 50000.what would be the interest at the end. Actually the problem is the changing government and changing interest rates.. Do you think this would be a safe scheme to invest in or should I reduce my investments. I am scared that I don’t block my money for nothing, because eventually I am doing all this just for my daughter and her benefits.
Sir agar ladkii Ke papa ki govt. Job hai to kya vo iss scheme Ko fill kr skte hai?plz Ans me
hi please tell me if i deposit 1000/- this year next year can i change the amount to 2000/- next year or should i pay the same amt till d end of maturity….i mean the amount i pay initially will be the amount which i should pay every or i can pay more or less…
please advise and is it safe and guaranteed bcoz its hard earned money n includes childs future..
Meri beti 1sal ki hai to mai month ly 1000rs deposit karu to muze return after 21 years me kitne milege
In SSY, I can withdrawn some of amount within 14th year from the date of starting. Can it Possible?
If Girl child age attended on 21yrs then what amount can be withdrawn for his marriage and if any documents require for the same?
I have a question in mind..?
Actually i opened my daughter account
Now tell me either i have to pay monthly or i can pay direct 1.5 lac one time
How do i go for the scheme..?
Beacuse in the lst financial year 2017-18 i pay amount like 30000
40000
30000
50000
Total 1.5 lac
So may i fo payments like this or i have to py monthly with same amount of figures .
Please tell me this
Sir,
What will happen to the deposit if parent or guardian dies before completing 14 years of deposit and further nothing can be deposited.
Suppose I deposit for 6 years then I am no more and no money is further deposited then what will happen to the money deposited for 6 years?
My daughter 8 manths this scheme applicable for my daughter replay me
Hi
I have an account of sukanya smridhi yojana on my kids name since 8 months
Iam paying regularly.but this month I have not made a monthly payment.
Can i pay next month that amount ??
Please help me
Actually what percentage post office have to calculate
Sir/madam
I m open ssa acc. Of Rs. 3000 per month & I want to increase such ammount to RS.5000 is it possible or not
sir, my daughter was four months
but sbi bank maneger want my daughter adhar card no..
jo ki abhi nhi hai …. me kya kru
HI SIR,
MERA YEH QUESTION HAI KI …14 YEARS BAAD JAB CLOSING HOGI TOH USKA KUCH PROOF MILEGA I MEANS ANY SLIP OR PASSBOOK YA GOVT. APNE AAP INFORM KAREGI ..KI AB APKI CLOSING HO CHUKI HAI OR APKA MONEY 21 YEARS MAIN RETURNS HO JAYEGA WITH INTREST …
Very nice
Sir ,Mai har month1000pay kar raha hu muje 21year baad me kitne amount milega
very nice
Sir , I have a baby girl and I want to start ssy scheme but I have 1 question _ who will take maturity value (girl or his parents ) who is the owner of maturity amount
Sir/Mem.
I hv 2 queastios
I.my daughter is 9 years old,,,,if I start that policy,,it will complete after 21 year,means in 2039 nd daughter will 31 year old.
If she should get marrieg between 22 to 25,,,,,,,can I take,,,,,,,,,,
By the way sha should married,,,,in 25
After marrige means in 2039 ,she can take ?
2,I m govt employees,,,,,,can I deposited directly by my account monthly,,,
Plz reply.
I owe u
J s shekhawat
Hi Monu,
1. As your daughter gets married at the age of 25, you can take out the whole amount, along with full interest earned on it. You are not required to wait till 2039 to take out your money.
2. I don’t think online money transfer is available with any of the post offices. However, you can check with any of the SBI, ICICI branches if they are providing any such facility.
Sir, I have 10 years daughter and I have to be paid 100000 per Annual in this how many years to be paid and how much amount earned after 21 years
Me100000ek bar fixed deposit kr du 15year ke liye to kitana amount milga
yadi me 3000 month jama karta hu to mujhe 50% lone kitan hoga
3000Rs Month jama par 14 Years par 50% kitana Lone Milega
Pls sent me full details of this scheme
Please send me latest update.
Sir
M aapko batana Chahta hu ki Mera 02 friends h jinki ladkia thi aur kuch din pahle Kisi karn se death ho gai h aur unhe bhi sukanya me acc. Khola hua tha par ab unki death ke bad sukanya Ka koi fayada nahi h kyoki Apne isme koi insurance ki suvida nahi h, aur yadi ladki ki jagah Uske father ki death ho jati to b sukanya Ka koi fayada nahi ,sir m b BSF me job karta hu aur har time life risk me rahti h aur meri b 02 ladkia h aur Maine b sukanya khola hua h yadi mujhe kuch ho jata h to mere bad kist bharne wala koi Nahi h aise me mere bad wo band ho jayegi aur Uske bad uska koi profit Nahi Hoga ,
Sir,
Meri apse request h ki maturity ko kuch kam karke ladki aur uski policy payment Karne wale Ka insurance Hona Chahiye, please meri request Ka samadan nikale .
Please reply jarur Karna aur yadi koi galti hui ho to mauf karna
Spouse We are regular paid 1000/- 14 year aftar 21 year how many rupees collect of Sukanya Samriddhi Yojana.
Sir…my doughter born two month before may i start this sheme coming june…
SAMRIDI BIMA YOJANA VILLAGE DINAULU HAZRAT PUR FIROZABAD RIGARD SALIM MUHAMMAD BY CONTECT 9727960301
Sir want to new account open of my child my conduct no 7397605190
In case we not paid full 14yrs in case of parents death or discontinuation of installment payment. Shall the scheme will matured with paid amount whatever amount(Ex:More than Rs.1000/-). one more thing any sum assured amount will come if parents death….
Let me inform the scheme benefit…
Dear sir mere beti 8year Ke hai mein 500rs month agar deposit Karo to meturity hone par kya amount Milega
If I deposit 2000rps everyyear in sukanya samridhi yojana for my 1year old daughter after 21years how much we will get amount
In this scheme post office or SBI AND THEN both or same please clarify
Nice Article, illustrated very well
But in this quarter Sukanya samriddhi yojana giving 8.1% interest to investors, even i would recommend to all investors if you wanted to save money for girl child, that can give you good maturity value with EEE exempted Benefits
Dear Sir,
I would like to know that if we have already taken the sukanya yajana, can we convert it in to sukanya samriddhi yojana or can we able to take new sukanya samriddhi yojana for same daughter.
sir, can open 2 SSY account for one girl with different Gaurdian ?please give me a suggestion through e-mail address , above mentioned
Hello Sir,
How the interest will be calculated, is it like yearly.. Ex: one who paid full amont in january will get the same meturity amont compare to one who paid in December?
sir can open 2 ssy account for one girl with different guardian ? please give me a suggestion through email.com address , above mentioned
Sir,my twins daughter h unke liye scheme smjhaye
Sir, I already have a PPF account … can I open SSY account? And can we take the money if needed between five year in SSY? Can I switch that PPF to SSY?
Meri bet I 9 year ki hai ky me a plan le Sakta ho
Sir,my daughter is only 10 month born so I can open Sukanya Samruddhi Yojana account but SBI bank assistant said me lots of problems
My Sukanya Samruddhi Yojana account is open but after opening SBI bank said it’s not granted & per month contribution cutting is going on
Dear all
kindly, we have two accounts of Sukanya Samruddhi Yojana account’s since last two years and paying amount through bank and printed on passbook
but last April-2018 did not deposit the amount because my family is in Dubai. i would like to deposit the money in SSY accounts from Dubai can i ?
please if some one knows comment or send me your kind info on my email
[email protected] i will be very thankful for your info thanks a lot in advance
Appreciate!