Sukanya Samriddhi Yojana – Tax-Free Small Savings Scheme for a Girl Child
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]
“Beti Bachao, Beti Padhao” is the mantra with which Prime Minister Narendra Modi launched Sukanya Samriddhi Yojana on January 22nd this year. Later on, the government issued a notification to allow 80C exemption equal to the amount invested in the scheme up to Rs. 1,50,000, which is also the maximum amount one can invest in this scheme in a financial year.
Now, the Finance Minister in his budget speech has proposed to make the interest component as well as the maturity proceeds as tax-free. I think this proposal has made this scheme to be the best small savings scheme available to the Indian investors. Yes, even better than our golden scheme of Public Provident Fund (PPF). So, what is this scheme all about? Let’s check.
Sukanya Samriddhi Yojana is a small savings scheme which can be opened by the parents or a legal guardian of a girl child in any post office or authorised branches of some of the commercial banks. The girl child is called the “Account Holder” and the guardian is called the “Depositor” in this scheme.
Before I compare this scheme with PPF, let us first check the important features of this scheme.
Salient Features of Sukanya Samriddhi Yojana
Who can open this account? – Parents or a legal guardian of a girl child who is 10 years of age or younger than that, can open this account in the name of the child. For initial operations of the scheme, one year grace period has been provided to make it 11 years of age. With this one year grace period in age, which is valid up to December 1, 2015, you can get this account opened for a girl child who is born between December 2, 2003 and December 1, 2004.
9.1% Tax-Free Rate of Interest – This scheme has been flagged off with a 9.1% rate of interest, higher than that of PPF which stands at 8.7%. But, this rate is not fixed at 9.1% for the whole tenure and is subject to a revision every financial year like all other small savings schemes, including PPF.
Prior to the budget announcement, 9.1% annual return seemed unattractive, but not anymore, as it has been made tax exempt now. Interest amount gets added to your balance amount in the account and compounded either monthly or annually, as per your choice. Monthly interest compounding will be done only on your balance amount on completed thousands.
Duration of the Scheme – The scheme will mature on completion of 21 years from the date of opening of the account. If the account is not closed on maturity after 21 years, the balance amount will continue to earn interest as specified for the scheme every year. In case the marriage of your daughter takes place before the maturity date i.e. completion of 21 years, the operation of this account will not be permitted beyond the date of her marriage and no interest will be payable beyond the date of marriage.
Deposit for 14 years only – Though the scheme has a duration of 21 years, you are required to make contributions only for the first 14 years, after which you need not deposit any further amount and your account will keep earning the interest rate applicable for the remaining 7 years.
Premature Closure – The account can also be closed prematurely as your daughter completes 18 years of age provided she gets married before the withdrawal. As the maximum permissible age of the girl child is set as 10 years, the scheme effectively carries a minimum duration of 8 years i.e. 18 years of exit age – 10 years of entry age.
Partial Withdrawal – It is also allowed to withdraw 50% of the balance standing at the end of the preceding financial year, but only after your daughter attains the age of 18 years. So, effectively it has a complete lock-in period of at least 8 years, before which you cannot take out any money for any purposes.
Minimum/Maximum Investment – You need to deposit a minimum of Rs. 1,000 in a financial year to keep your account active. Failure to do so will make your account inactive and it could be revived only after paying a penalty of Rs. 50 along with the minimum amount required to be deposited for that year, which currently stands at Rs. 1,000.
Also, you can invest a maximum of up to Rs. 1,50,000 in a financial year. You can make your contribution to this account in as many number of times as you like.
How many accounts can be opened? – You can open only one account in the name of one girl child and a maximum of two accounts in the name of two different children. However, you can open three accounts if you are blessed with twin girls on the second occasion or if the first birth itself results into three girl children.
Nomination Facility – Nomination facility is not available in 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.
Documents Required – Birth Certificate of the girl child, along with the identity proof and residence proof of the guardian, are the mandatory documents required 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.
Sukanya Samriddhi Yojana vs. Public Provident Fund (PPF)
Budget 2015 has made this scheme quite attractive for the investors. If you’ve already exhausted your PPF deposit limit, want to save for your girl child’s marriage or higher education and have spare money to invest in this scheme, then this scheme provides you one more excellent avenue of safe investment with high returns. You can wait for the next financial year’s rate of interest to get announced anytime this month, if it remains higher than PPF, just go for it.
Application Form to open a Sukanya Samriddhi Account
List of authorised commercial banks where you can get this account opened
thanks for sharing this information.
I am just wondering if govt. is keeping money between 14-21 years, not it would fetch less money than combination of RD(0-14years)+FD(14-21 years).
also there will be no strings like male child, infinite renewals ( 5 years terms).would be great if you can just compare with RD +FD combination in the light of tax implications.thanks.
Thanks Omprakash!
No, the government is not keeping your money between 14-21 years for free. It is going to pay interest for these 7 years as well. No combination in fixed income investments can yield better than this Exempt-Exempt-Exempt (EEE) investment. This is the best guaranteed fixed income investment available right now.
So basically if a girl child is above 10 years,then no point in looking at this scheme ? Correct ?
Yes, that’s correct. But, there is a grace period of 1 year till December 1, 2015, which makes it 11 years of age.
The best part of this scheme is that this is also a EEE scheme. Means one can invest in this scheme without worrying about future taxation. But interest rate could be a worry, whether the high interest rate will be able to sustain for long term or not.
I have visited Post office and few banks recently to know where exactly they are aware about Sukanya Samriddhi Scheme. The fact is only post-office is allowing to open this account. Banks don’t have much clarity about this scheme. Anyway this is beginning, we will see many changes in coming days.
Could be another biggest hit Govt scheme like PPF in coming years.
I agree with you Santanu, this scheme has the potential of becoming another popular scheme like PPF. I think the government will try to keep its interest rate equal to that of PPF. I think the government will also try to keep its real rate of interest above 2%, over and above the rate of inflation.
Definitely a great scheme aimed at the Girl Child. Govt should work to make all sections of society aware of it.In lower sections we see people making gambles on chit funds for their girl child’s future, this is a good and safe alternative.
I agree!
suggestions on adlabs imagica ipo should we subscribe or not
Will review it on this long weekend.
Who gets the proceeds of this account when the girl turns 21? is the parent or the girl child? Any clarity on this issue?
Maturity proceeds will be paid to the account holder i.e. to the daughter.
Any clarity yet on which are the banks mandated to open the Sukanya Samridhi account? I visited SBI today to enquire and they aren’t yet opening the account.
Further, the grace period of 1 year is available right upto 1 Dec 2015 correct? for children born on on after 2 Dec 2003 which is 11 years as on the date of announcement of the scheme which is 2 Dec 2014. Is my understanding correct?
Which means that for a child born on say, 17 Jan 2004, I can still open the account even on 1 Dec 2015 even though she may be well beyond 11 years. Is that correct?
Thanks,
Hi,
I am working on one more post having the list of banks where you can open this account. The post will also have the application form and the circular of this scheme.
The language of the circular suggests that this account can be opened in the name of a girl child who is born on or after December 2, 2013, irrespective of her age whether she is below 10, 11 or even 11+. Further clarity will be provided by the finance ministry.
My baby girl was born on 2 February 2015.After one year we can open her account.
You can get the account opened anytime you want before she attains the age of 10, you need not wait for one year to open the account.
unfortunately parent death then what is next ,family not able to paid annual amount.account is closed or running still girl at age of 18yrs
You can make a request to prematurely close the account and withdraw the amount under special circumstances.
Respest girls and save girl child jai hind….and I want to say our government that most of the poor people don’t knw about this scheme … bt this type of scheme should advertise in media so people can knw about this scheme… our government provide many scheme bt poor people didn’t get all this.. so hope people get information about this scheme…
This scheme has got all the ingredients to get the required popularity on its own and you’ll definitely have many takers for this scheme. Though I think the government is not required to market this scheme, I am confident that the government will surely play its role to give this scheme its due credit and poor people will get its benefits.
With all respect, I understand a scheme is required for girl’s child marriage. But in my mind, education is the higher priority. Is there a similar scheme for girl’s /boy’s education? Especially the cost of higher education is sky high now and it is growing more than the actual rate of inflation. Hope we get a scheme for education as well.
50% of the corpus could be used for any purpose as a girl child attains 18 years of age. So, this amount could well be used for higher education. Expecting so many schemes from government for different purposes is like asking for too much.
can I open Sukanya Samriddhi Yojana account in the name of my grand daughter who is holder of OCI status
Clarity is still required as far as NRI/OCI investment is concerned. So, you’ll have to wait some more time for your investment. As NRI investment is not allowed in PPF, I am assuming that the government will not allow it for this scheme as well.
Hi Sir,
Its mentioned as 9.1% annum but when we checked the table the interest amount shows as 592 instead of 1092 the first year. Could you please explain the calculation part.
Thank You
Hi Sriram,
Which interest rate table are you talking about? Can you please share the link to the table.
as per above statement “If you’ve already exhausted your PPF deposit limit,want to save for your girl child’s marriage
or higher education and have spare money
to invest in this scheme, then this scheme
provides you one more excellent avenue of
safe investment with high returns.”…..does it mean a person can invest 1.5 lkh on his ppf account and 1.5 lkh on girl account , with total investment of 3.0 lks and with intrest as tax free.
Yes, that’s right, you can do that. The only thing to consider is that you’ll get tax exemption u/s. 80C limited to Rs. 1.5 lakhs only.
i wants to invest for my daughter.. but already my father-in-law opened in her name in some other state. is it possible for me to open again in her name in some other branch?
Hi,
You cannot open two accounts in a single name. However, you can transfer your account from one city to another city and from one post office/bank branch to another post office/bank branch.
Dear sir
When this scheme will be start? Our post office told the scheme is not start yet. plz give mi all details
Dear Mohammad,
This scheme got announced in July 2014, notified in January 2015, got 80C exemption in February and got announced as tax-free in the budget. If even after such a long time the scheme has not started, then when can anybody expect the scheme to get started. Nithya mentioned in her comment above that her father-in-law got an account opened sometime back which means that this scheme is already active.
“you can get this account opened for a girl child who is born between December 2, 2003 and December 1, 2004.”
As it is quoted so what about the girl who born after these two years. Please clarify.
The quoted line has been mentioned in the context of one year grace period. Otherwise, the scheme is open for all girl children of less than 10 years of age.
My only daughter born on 26th of oct 2003. Is thre any option to open an account for her. Pl let me know as esrlier as possible.
As of now, I don’t think there is any such provision to open an account in your daughter’s name.
can we deposit Rs.150000/- each in both accounts (i.e Rs.300000/-).PPF & Sukanya -Samriddhi account, we know that only 150000/- will be allowed
under 80C, but if we deposited 150000/-each (300000/-) shall we get benefit of Tax free Interest and maturity amount in both the acounts.
please clarify correct position.
Yes, you’ll get tax-free interest and maturity amount in both the accounts. In fact, the maturity proceeds in Sukanya Samriddhi Account will be given to the girl child and it will be tax-free for her.
MY DAUGHTERS DATE OF BIRTH IS 22-04-2004 & IS ELIGIBLE FOR THIS SCHEME
Yes, she is eligible for this scheme. Congrats!
Hi,
Quick question?
Do i need to invest max of 1.5 L per annum or for the whole tenure the investment should be 1.5L
Hi Shekar,
It is maximum 1.5 lakh. You can deposit any amount between Rs. 1,000 and Rs. 1,50,000 in a financial year.
Very nice scheme & good initiative by H’ble PM Modi.
To boost “Beti Bachao, Beti Padhao”, along with a/c holder contribution, government should also contribute the equivalent amount (as done in EPF schemes)
Yes, it is a great scheme. EPF is for the employees & not for the general public, an employer contributes to EPF and not the government. I think the government should focus only on efficient implementation of its policies and generation of jobs/income for its citizens. We do not require subsidies/contribution from the government for our day to day living. God has given all of us enough opportunities to move our bodies and earn our livelihood.
What vl be mature amount my daughter vl get if I deposit rs5000 yearly….
Hi Harish,
It is not possible to calculate the maturity amount in this manner as it’ll really depend on the rate of interest and time of your investment every year. But, based on certain assumptions and 9.1% rate of interest, it should be Rs. 2,63,025 after 21 years.
Hi Shiv,
What is a better option in terms of intrest to pay the full 1.5 l or monthly ?
Hi Vishal,
It is better to invest the full 1.5 lakh in one go to get higher maturity value.
Can NRI citizen can also do investment for their daughter’s. even though they are not looking for any tax benefits from the scheme and can they pay from NRI accounts.
Hi Mahesh,
So far there is no option for NRI’s to open this account. We have to wait for few more time as this is too early to expect many things.
It is still not clear whether NRIs can invest in this scheme or not. So, you’ll have to wait some more time for your investment. I think NRI investment will not be allowed as it is not allowed in PPF as well.
sir my bro’s daughter born on 18-12-2015 is she eligible for this scheme
Hi Rakesh,
I think you mean 2014 and not 2015, right? If it is December 18, 2014, then yes, it is possible to open an account in her name.
sir my sister in law born on 18-11-2003 is she eligible for this scheme
As your kid born before December 2, 2003, I think she is not eligible. Although the max age of opening the account is 10 years, but this year people will get a grace period till Dec 1, 2015. But your case is not passing that also.
No, she is not eligible for this scheme.
Hello Sir,
We live in abroad, and very much interested in this scheme, my daughter is born here but her nationality is indian. canyou please advice if we can open an account for her?
Thanks.
Hi Shivika,
You’ll have to provide these documents to open an account – Birth Certificate of the girl child and the identity proof & residence proof of the guardian for KYC process. KYC stands for Know Your Client.
If the government doesn’t allow NRIs/OCIs to open this account, then I think you might not be able to get through the KYC process for residents.
Sir, if for one year I will deposit 10,000/- , next year should I invest 20,000/-….. Pls reply
Hi Pinkesh,
You can deposit any amount between Rs. 1,000 and Rs. 1,50,000 in a single financial year.
Dear sir
Kindly tell us 9,01% is just because it is a new scheme ir it will be continue it will be remain us.
Hi Rajiv,
9.10% is applicable for the current financial year only. It will be reviewed again this month itself for the next financial year and there will be a revision every financial year. The revised rates will be effective from April 1 every year.
Want to know more abt this scheme
If you have any specific query, please share it share. There is already enough info shared on this page.
Can you please tell me whether hdfc bank n icici bank support this schem? I have a girl child who was born in 24 Sep 2011… I think she is eligible but need to check which all banks support this apart from post office.
Hi,
Even we are not sure whether HDFC Bank and ICICI Bank will service this scheme or not. We’ll have to wait for more information to pour in before confirming it to you.
Meri beti
18/04/2015 me two year ki hogi kya uska account open ho sakta h.
Please reply .
Thanks
Yes, aapki beti ka account open ho sakta hai.
Really this is a good scheme with the highest secured interest rate which helps the persons to save money for their girl child. Is it possible to deposit money daily 0r weekly or intermittently as per the availability of money for the benefit of daily wages people.
Yes it is possible. Consider it as a bank savings account only. After opening this account you will get a passbook like bank account. After that as you want you can deposit money. But the maximum deposit limit in a year is 1.5 lakh.
Great job sir..
meta ek sawal h sir ..agar mai is yojna me 1000 annually invest krun to policy mature hone par kitna dhan mile ga.
If you consider the interest rate 9.1% for next 21 years, then it will be around 52,605. But remember that interest rate will not be 9.1% every year, it may increase or come down as it is not fixed in case of SSA account.
I won’t open my baby and dotar ppf and ssa
Don’t you find these schemes attractive?
Hi Shiv…thx for all the useful info…can you please share the calculation part..i.e. of 52,000 when invested Rs. 1000 per year.
Hi Priyanka,
Rs. 1,000 invested every year would result in Rs. 28593, which would compound to Rs. 52,605 on maturity.
Sir, any scheme available for male child. Pls tell me
You can opt for PPF for your child.
Shiv sir my daughter date of birth21-2-2015 my sukanya samrufdhi yojanya my daugter ya scheme ah sakthi ha ka
Ji Imran Bhai, beshak aap is scheme mein invest kar sakte ho.
Hi Shiva, Happy to know this news have a query; could I invest 1 lakh at once instead of months 2 go
Yes Suma, you can deposit Rs. 1 lakh in one go.
sir kya har month deposit karna hoga ya ek sal me ek bar………
Saal mein ek baar karna zaroori hai, har mahine karna zaroori nahin hai.
Dear sir
Please let me know simply, If one deposits 6000 thousand annual , what amount would be received by the a/c holder at the maturity
Approximately Rs. 3,15,630, if the rate of interest remains 9.1% for all 21 years.
Hi Shiv,
Any clarity yet on the list of banks / branches where one can open the account?
Thanks,
No, not yet.
sir
kindly confirm this is monthly investment plan it means we have to deposit same amount on every month.( yes or no ) , 2 if yes than i some time i will not able to pay for some month that what will be penalty. 3 is there is ECS available or not ?
Hi Rohit,
1 & 2. No, this is not a monthly investment plan. You need to deposit a minimum of Rs. 1,000 only once a year.
3. It is still not clear whether any kind of ECS facility will be there or not.
Sir I want know how much money Will receive after 18year when deposit yearly 1000 rupya..for my daughter. When I stardeposit. 1/4 /15…please reply… I waiting..
.
This scheme is for 21 years and not 18 years. After 21 years, you’ll get approximately Rs. 52,605, if interest rate remains 9.1% throughout this period.
Sir ,provide link for form.this scheme
Here you have the post in which the link is also there – https://www.onemint.com/2015/03/04/sukanya-samriddhi-yojana-application-form-list-of-banks-to-open-an-account/
Hi Shiv,
My Daughter is 2007 born, so if I open an a/c now till what time will it remain operational and yield interest, which of the below does it pertain to.
a. Till she attains the age of 21.
b. Untill she gets married irrespective of the age.
c. Scheme is operational for a period of 21 years irrespective of her marriage.
d. Any other scenario other than the ones mentoned above.
Hi Prasun,
It is a mix of b. & c. Maximum duration of the scheme is 21 years from the date of opening the account or till your daughter gets married, whichever is earlier.
Hey Shiv,
Thanks a lot for the information.
One last thing, if I intend to invest 60K annually for 15 yrs, is this scheme a better scheme or equity option s better.
It varies from individual to individual. Personally, I’ll opt for equity mutual funds. Thanks!
Sir
My daughter date of brith 10/04/12 ki hai to kiya mein ya yojana khol sakta hu our sir ya year mein ek baar he dhenaa hoga
Yes Rajeshji, aap apni beti ka account khulwa sakte ho. Aur saal mein ek hi baar deposit karna hoga.
Hi’ may we know wat happens if the depositor or guardian who is in charge of the savings die?
You can make a request to prematurely close the account and withdraw the amount under special circumstances.
Dear Shiv
Hope you are doing good. I can see your good work is continuing . I am a NRI but planning to relocate back to India this year. My family is still resident Indian. My question is after shifting back how much time i need to wait before opening an account for my daughter?? Also, is it possible for a resident Indian To have a PPF a/c for self, PPF a/c for Child & this samridhi a/c for child and contribute around 4.5 lakh annually (tax deduction of only 1.5 is OK).
Regards
Kunal
Thanks Kunal,
A resident Indian can open this account anytime he/she wants. So, when your residential status changes back to that of a Resident Indian, you can open this account. For PPF, the total amount that you can invest in your account and your child’s account both put together is only Rs. 1.5 lakh. Additionally, you can invest Rs. 1.5 lakh in this scheme. So, total Rs. 3 lakh, instead of Rs. 4.5 lakh as planned.
Hi, My baby is 8th month old i am going to invest on this scheme, But before i invest i want to ask you something, Does this scheme runs the same though if the Government Changes from BJP- congress – or any other Party ?? will we get the same Benefit as this scheme has Promised please clear this as soon as possible i want to go for this today it self
Hi,
Interest rate is subject to a change every year on April 1. However, I have no idea whether any of the political parties would change the terms of this scheme in future or not. Personally, I don’t think they would do any such thing. Rest it is your decision.
Hi Shiva,
Good work, thanks for sharing a lot of information on this good scheme.
Thanks Rajesh for your kind words! 🙂
I am really very thankful of Government for this Perfect Aadhar for every Indian who having Girl child. I want to know about Only 2 things. That if I opened. An account of my daughter. And suppose in between I Died. Then what happen. Is this account will run by government? Like Lic Child plan. … and 2nd thing is… can I get ready recner calculation of this skim.
Hi Riyaz,
No, the government will not fund your child’s account in your absence. You can make a request to prematurely close the account and withdraw the amount under special circumstances. Moreover, ready reckoner calculation is still not available for this scheme.
hi,
I wanted a clarification. I want to invest in my neice’s name though I am not her legal guardian.And if I invest around 3ooo p.a what would be the maturity amount. she will be turning 1 yr this April
Hi,
You cannot invest in your niece’s name if you are not her legal guardian.
Hi,
My child DOB 30/12/2003 I am eligible for this account.
Hi,
Yes, you girl child is eligible for this scheme.
My child DOB 30/12/2014 I am eligible for this account
Hi,
Yes, you girl child is eligible for this scheme.
Can i deposit 1.5 lakh each in my ppf account and also in sukanya samriddih yojna
Thanks
Yes, you can do that.
Dear shiv,
Thanks for the use full information.
Can u please share me the calculation part that how the maturity amount is calculated.
Hi Mukesh,
Rs. 1,000 invested every year would result in Rs. 28593, which would compound to Rs. 52,605 on maturity. This is an approximate maturity amount and certain assumptions have been made.
Meri bachika age 5 yer har sal my 50000 hajar diposit karuga tho 14 sal ke bad kitna Ayega
Ye scheme 21 saal ke liye hai, 14 saal ke liye nahin.
ho bharu aami vrshala 1000 …pn 21 vrsha nantar kay milnar???? babaji ka thulu….please details
My Daughter is born on 27/02/2006, Now she is 9 year old. If I Start Sukanya Samriddhi Account, In the year 2024 she will become 18 year old girl, In the year 2027 she will become 21 year old. In the year 2027 She will get amount of Rs.6,50,000. Please confirm because I am Confuse how it works…
This scheme is for 21 years (and not that the girl child attains 21 years of age). So, if you start it today, it will run till March 2036 or till the date when your daughter gets married, whichever is earlier. Also, maturity amount is not fixed, it will vary as per your contribution, timing & the rate of interest.
Hi,
My daughter’s DOB is 21.09.2003. Can i open the Sukanya Samriddhi Account in her name? Kindly confirm.
Regards,
Amit Kaushik
Hi Amit,
No, your daughter is not eligible for this scheme.
Hi,
My child DOB 23/12/2015I am eligible for this account.
Hi Ranbir,
You mean 23/12/2014? If yes, then your daughter is eligible.
Hi,
My Child DOB is 23.12.2015. Can i open the Sukanya Samriddhi Account in her name? Kindly confirm.
Regards,
Ranbir Singh
hi
weather the amount i deposited in this account will come in tax saving (80c) or only the interest what we will get is tax free ?
Hi Venkat,
Yes, the deposited amount is eligible for 80C deduction as well. Interest received is also tax exempt.
ye accout sirf post office me hai ya bank me bhi chalega kon si bank me chalega pl
Please check this post – https://www.onemint.com/2015/03/04/sukanya-samriddhi-yojana-application-form-list-of-banks-to-open-an-account/
now my child dob is 5 july 2013 . if i open acccount starting from 1000 annually. so what can i get for her maturity time ..
Based on certain assumptions and 9.1% rate of interest, it should be Rs. 52,605 after 21 years.
Dear Mr. Kukreja
Thanks a ton for sharing such a wonderful information
Pls. let me know if I open the account my 11 yrs daughter today, then after how much time 50% of the amount can be withdrawn…..is it after 7 years ie when she will be 18 yrs…..or correct me if i m wrong
Yes, that is correct, after 7 years when your daughter turns 18, you can withdraw 50% of the balance.
Hi,
My Daughter age 1yr, if I can start now this scheme with annually 50000 what is the amount after complettionof scheme please conform.
Hi,
Based on certain assumptions and 9.1% rate of interest, it should be Rs. 26,30,250 after 21 years.
Hello Sir,
I already have opened Sukanya Samriddhi Account in the name of my daughter. But the name of the Guardian mentioned in the A/c is my wife’s name.
Now, I just want to know whether it is possible to change the name of the Guardian after opening the Sukanya Samriddhi Account! I want it in my name such that I can get the benefit under Sec. 80(C).
If yes, kindly let us know the process.
Regards,
Hi Prabhakar,
I have no idea how to change the name of the guardian in this scheme, you’ll have to approach the post office to get the required info.
can i pay through online payment
sir i have an account in post office . is there opction to pay online payment
I don’t think Post Offices provide online payment facility.
wat is the calculation for the deposit amount of Rs.1000 per annum and return amount is approx 600,000/- six lacs only .
Based on certain assumptions and 9.1% rate of interest, it should be Rs. 52,605 after 21 years against deposit of Rs. 1,000 every year.
What will be the maturity value for this scheem for investment of Rs.1000/pa. Please inform. Really it is a good plan by BJP Govt. Hoping other Govt. will not Spoil it.
Ramakrishna VN
9845460580
Based on certain assumptions and 9.1% rate of interest, it should be Rs. 52,605 after 21 years.
Sir my daugter will b 8 years of age in may 2015. If invest 150000 per annum wat shall b maturity amount. Thanking u in anticipation
hi sir
my daughter was born on 29.9.2008
if I invest 500 rupees per month .
how much of amount can I get at the age of 21 years of my child from right now
my daughter dob is sept2014 and if i invest 2000 pa so for how much i have to pay in total what i get after the maturity.
There should be a compulsory to deposit same amount per annum.. Can i deposit ammount according to my savings..
Yes, you can do that.
Sir,
I have 3 question.
1. How this interest is compounded quarterly on rest / half yearly on rest?
2. Under which section interest earned is exempted from tax ?
3. Can the deposit amount be different in different years or a fixed amount need to be deposited every year ?
Hi,
1. Interest is compounded annually or monthly, as per your choice.
2. Interest will be tax exempt under a new section 10(11A) of the Income Tax Act.
3. Deposit amount can be different every year.
Hi,
My daughter’s DOB is 10.11.2003. Can i open the Sukanya Samriddhi Account in her name? Kindly confirm.
Regards,
JITENDRA RAJ
Hi,
No, you cannot open an account for your daughter.
We have belong to hr than can i open an account in delhi bank braches.
Yes, you can do that.
Ye form milne start ho gye he kya ?? Mtlb ki ye scheme kb se start hogi or hm kb form fill up kr skte he ??
Forms is link pe available hain – https://www.onemint.com/2015/03/04/sukanya-samriddhi-yojana-application-form-list-of-banks-to-open-an-account/
Account khulwane ke liye apne nazdeeki post office ya bank branch se sampark karen.
Dear sir
my daughte’s dob is 29/9/2004.can i open the sukanya samriddhi account in her name.
Kindly confirm
Yes, you can get it opened.
Hi,
Good afternoon
Which one is best ppf or say.?
Or lic child money back
I think PPF is better.
sir
once direct money deposited 12000 at a time then remaining 11 moths not deposited is it possible or not??
Yes, it is allowed.
Hi my 8 month old niece is in abroad with her father and mother. Can her grand parents open account for that kid.
If the grandparents are legal guardian, the account can be opened. But, whether this scheme is open to NRIs/OCIs/PIOs, it is not yet confirmed.
Are you confirm that interest in this scheme is tax free (like ppf).
Yes, it is confirmed.
hi
sir what is the calculation for the deposit amount of Rs.1000 per annum a and how much money return after 21 year
Hi,
Please check this post – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Hi
My baby is 6months and she’s born in Germany as my husband works there and now I have come here for vacation so heard about the scheme and thought to invest , is it possible that I can invest ? We all hold Indian passport and it’s been 3years that we are staying in Germany.
Hi Jyothi,
It is still not clear whether a child girl born outside India is eligible for this scheme or not, so you’ll have to wait for some more time for further clarity regarding this.
My sincere thanks to BJP govt. for the S.S.Y…… I am having two girl child, whose DOB is 2/1/13 and 1/3/2015 respectively. If i will invest Rs.100o per child per month, what will be the maturity value after 21 years…..
Once again thanks to Modi jii
with regards,
Dr. Biswajit Dutta
Dr. Navalakhi H. Dutta
Please check this post – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Sir
Good Morning, I thank you very much for your efforts in improving financial literacy for the people of India.
I would liket o have clarification on few points wrt SSA as per the wordings mentioed in Notification.
1- “Deposits in an account may be made till completeion of fourteen years, form the date of opening of the account. ”
My daughter has completed six yeras it means i can deposit the amount till she complete 20 (14 +6) years of age. It means If I will open account in April 2015, I can deposit till Mar 2029. It does not have any relation to the completeion of 14 years of age of my daughter.
2- “The account shall mature on completion of twenty one years from date of opening of the account. ”
It means If I will open account in April 2015 the account will mature in Mar 2036. It does not have any relation to the completeion of 21 years of age of my daughter.
Plz clarify.
Regards
Piyush
Thanks Piyush for your kind words! 🙂
1. Your understanding is correct.
2. Your understanding is correct; however, you cannot continue with this account beyond the date of your daughter’s marriage and no interest will be paid after that.
If i wish to invest 3000 per month how much will i get at the time of maturity…..
Please check this post – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
My daughter DOB is 15 jan 2004.is it possible to open account
Yes, it is allowed with one year grace period.
Can someone help me with an application form for ‘Sukanya Samiriddi Yogana’
You can download the form from this post – https://www.onemint.com/2015/03/04/sukanya-samriddhi-yojana-application-form-list-of-banks-to-open-an-account/
hi sir,
I have two girls first girl date of birth is 30/03/2007 and another date of birth
is 19/07/2009 if i deposit 30,000 yearly for both of them can you tell me maturity amount
Hi Manish,
Please check this post for your requirements – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Hi Sir/Madam,
If i pay monthly Rs.2000/- for 14 years how much i will take it back.. Please confirm???
Please check this post – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
my daughter DOB is 08/03/2014 can i open the account for her… m i eligible for it
Yes, you can do that.
I have a daughter her d.o.b is 13 .07.14 can I take ssy plan
Yes, you can do that.
I have a daughter her d.o.b is 21.04.2014 can I take ssy plan
Yes, you can do that.
Hi
On maturity – who can withdraw the amount- parent or child
who will get the money
Girl Child
Hi,
Can I claim this deposit in F.Y. 2014-15? Pleae reply asap.
Yes, you can do that.
Hi Shiv,
Thanks for the valuable info. Below are some facts about this scheme.
1. I am more interested to open in Banks due to online transition facilities.
2. No Bank is interested to open this account.
3. I am based in Janak Puri, Delhi. I have visited all SBI, PNB and BOB branches nearby but everyone said they are not authorised.
4. Only Post Office is opening the accounts.
Government is launching couple of schemes but on the ground level, no support providing to the people. They should launch some helpline no. to address concerns.
Best Wishes,
Kanwal Jayot
Thanks,
1. Even I would do the same for my brother’s daughter.
2. I know; probably they haven’t received the required guidelines.
I hope the government will soon provide the necessary basic infrastructure to open these accounts.
Sir,
Gudevening!
Thanks for giving us a excellent saving scheme of S.S.V.
My daughter is 3months,can we eligible for this scheme&pls suggest.
Hi Krishna, Good Evening!
Yes, you can open an account for your daughter.
Hi Shiv,
Thanks for your Information. I would like to know for SSY in one year(12 months) how many times the depositor can deposit the money in an account?
Thanks,
Hi Sanjeev,
There is no such limit, you can deposit money in this account as many times as you want.
Hello Sir , Thank you for sharing the features of SSY , many young parents are welcoming this initiative by our PM.
When discussing with few experienced people , one concern raised is whether the SSY will remain the same way if the existing government changes .
Could you throw some light on this matter.
Regards
Hi Rahul,
My guess would be as good as yours Rahul. Nobody knows what is going to happen tomorrow, so how can I predict what is going to happen four-five years down the line. If this government stays, then this scheme might remain operational for the next 10 years or probably more. So, I think we should just focus on the scheme based on its current features only.
Hello sir,
Sukanya Samriddhi Yojana – Tax-Free Small Savings Scheme for a Girl Child. How much amount we can get after 21 years.
Hello Mr. Sriram,
Please check this post for maturity amount – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Hiiii Shiv sir…
Is sakim k tahat 21yrs by birth
ya fir hm jab iss account ko kholenge tab se count kenge plzzz sir reply krna.
Hi Surenderji,
Jis date se aap account kholenge, us date se 21 saal count honge.
Hello sir,
My daughter is 12 years old can i follow this scheme.
Hi Renuka,
If your daughter’s date of birth falls before December 2, 2003, then she is not eligible to invest in this scheme.
Hello Sir , Thank you for sharing the features of SSY. I already have a ppf Account in SBI in my daughter’s name. Can { open a SSY account for her and deposit money in it also?
Hi Aravind,
Yes, you can do that.
Hello sir,
Thanks for the info on SSY, if the child girl is 10 years old the minimum duration of the scheme will be 8years in case the marriage of girl. Then how much amount will get in closing if RS.1000 paid per month…
Hi Jaya,
Based on certain assumptions and 9.1% rate of interest, it should be Rs. 1,41,538 after 8 years.
hello sir,
my doughyer’s birthdate is 31 jan 2004.
can we open aaccount for her.
Yes, you can do so.
Hello sir.
My daughter date of birth is18.08.2009 can i join this scheme if i need 2 scheme its possible or not
Thank you
Hi Stalin,
Yes, you can get an account opened in your daughter’s name. You can open only one account in a girl child’s name and a maximum of two accounts in two daughters’ names.
dear sir my daughter dob is 31-01- 2009 if she married before 21 years then she can eligable to take amt after 21 yrs
Hi Praveena,
You will have to close your daughter’s account as & when she gets married, whether she gets married before attaining the age of 21 years or after.
Hello sir ,applicable any last date please reply
Hi,
There is no last date for this scheme. You can invest whenever you want.
Hi sir ,
If my Daughters D.O.B is 12.9.2002 can i use the scheme or not!!!!!!!!!!
Hi Mr. Gupta,
No, your daughter is not eligible to invest in this scheme.
hello sir
iam amit from himachal mt suster have a girl child she live with us right know so i wants to open account for girl child right know she is 3 year and 6 months only do we eligible or not .
Hi Amit,
Your niece is eligible for this scheme. Your sister can get an account opened for her.
Hi Sir,
my daughter’s birthdate is 10-03-2009.
can we open account for her.
Hi Awadhesh,
Yes, you can do that.
my daughters dob is 03-11-2003 is she is eligible for this scheme
No, your daughter is not eligible for this scheme.
hello
i want know if i would deposit rs 1000 per month how mutch i will get complet the 21 years…
Hi Mukesh,
Please check this post to know the maturity value after 21 years – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Hello shiv Ji,
1)Plz tell me the exact figure that I recieve after 21 years if I deposit 150000 rs per year for 14 yrs.
2) If I deposit 12000 per year then how you give the exact figure of 641092 rs that you mention in the vouchers after 21yrs
Hi Mr. Kulwinder,
1. Please check this post to check the tentative maturity amount you’ll get after 21 years – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
2. Nobody can predict the exact maturity figure after 21 years. Whatever has been mentioned is only tentative, based on certain assumptions.
My daughter d.o.f is 10th November 2003 can I apply of this scheme
No, your daughter is not eligible for this scheme.
My daughter d.o.f is 06th November 2013 can I apply of this scheme
Plz send me reply to my mail id.
Hi Akhil,
Your daughter is eligible for you to get an account opened for her.
hi, I have three daughters(triplets). now they are 6 years n 9 months old. one son also there for us aged 4 years. please suggest
1.How much amount to be paid maximum for three account totally in a year in ssa, ?
2.If I take 50% of amount after their 18 years for education, what will be the exact amount I can get after 21 years for one account, eg: im investing rs.150000 yearly?
3.can I open ppf for my son under my wife name?
4.any other investments for my son for his education and marriage?
Hi Mani,
1. Rs. 4.5 lakh is the maximum amount you can contribute in three of your SSA accounts.
2. Calculating the exact amount is not possible, so it is only a tentative figure which can be calculated.
3. Yes, you can open a PPF account for your son. But, maximum contribution in PPF is limited to Rs. 1.5 lakh for son & the guardian.
4. We do not entertain individual personal queries here on this forum. We provide financial planning services to interested individuals – https://www.onemint.com/services/
thanks for the reply
You are welcome!
Hello sir,
I want to know will ssf provide any benefit to income tax
Hello sir,
I want to know will it give benefit in income tax
Hi Vaishali,
Yes, your contribution will be eligible for tax deduction u/s 80C.
Sir
Can father and mother open 2 different account for same girl child.
No, only one account per girl child.
hi,
my girl child borned in 2007 oct , is she eligible?
Hi Sri,
Yes, she is eligible.
Sir.
Meri beti ki age 15-jan-16 ko 10 yrs ki hogi kya ssy le sakta hun.jab yo 21 ki hogi uski sadi me 500 ke hisab se kitne amt milegi.
Hi Ganesh,
Aap apni beti ke liye SSY account khol sakte ho. Maturity ka paisa rate of interest aur deposit month pe depend karega.
Sir,
How much money required to pay per year
Hi Pushkar,
It is minimum Rs. 1,000 and maximum Rs. 1.5 lakh.
Are you telling us that the girl child scheme provides an additional Rs 150,000 deduction under 80c ?
i.e.
PPF Rs 150,000
+
SSY Rs 150,000.
I think it is PPF + SSY <=150,000
please confirm.
No Chirag, 80C deduction is limited up to Rs. 1,50,000 only.
Hi,
Will we get the full amount?.Is it tax free?
Hi Baiju,
Yes, it is tax-free.
Sir greetings,
Myself santosh singh,
I wanted to know the amount that I have to invest and how many times I have to pay until the scheme come up to maturity.
In other word basic detail of the scheme so that I can plan this for my two years daughter. What is the maturity amount I will receive when I can plan to invest 1000 per month.
Hope u will reply soon.
Thanks
Santosh
Hi Santosh,
All the details have been mentioned above in the article. You can invest a minimum of Rs. 1,000 and a maximum of Rs. 1.5 lakh. You need to deposit money only once a year and there is no cap on the number of deposits.
Please check this post for the maturity amount after 21 years – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Good morning sir,
my reletives very poor so-
main jaana chahta hu ki_ wo year main 1000rs. hi deposite ker sakti hain,
1- so minimum amount jo 1000rs. h se account open kerne k baad v unhe kya us year me 1000rs(minimum yearly amount) alag se deposite kerna hoga,
2- unki 4 daughters me se two daughters ten year k under age h so kya wo dono k lea is scheme me account open ket sakti h.
3- ak daughter 8 year ki h to or maan lo ki uski marriage 10 saal baad yani uske 18 year me kerna h to kya uske k lea 10 year baad Account close ker full amount withdrew ker sakte h.
pls reply sir….
Very vary Thank you..
Hi Rohit,
1. Nahin, ek saal mein bas ek deposit karna hoga.
2. Haan, das saal se neeche account open kar sakte hain.
3. Haan, marriage hone par account close kar sakte hain.
Hi Shiv Sir,
will the partial withdrawal be tax free?
Hi Vinay,
Yes, the partial withdrawal will also be tax-free.
Hi Shiv, nice presentation and of course it is one of the best saving scheme. As on date, since Banks are not opening this (I am more interested to open in bank for easy in online transfer), I will try to open in nearest post office and may be in future, Govt may come up with bank-post office transfer facility.
I am searching but could not get the answer on “insurance protection”. What happens if the depositor (suppose the sole earning member of the family) dies and the family unable to continue the scheme? Will the Govt waive the future payments or the account will be inactive in the due course? I think the “inactive” answer is correct?
Second, I feel, this scheme runs like PPF and not like RD. I mean to say, in RD (Recurring Deposit), we commit to pay a fix amount per month whereas in PPF, there is no monthly commitment and the depositor is free to deposit amount of his choice subj to min of 500 and max of 150,000 in a year. To keep PPF account active, one has to do minimum 1 deposit in a year and subject to minimum of Rs. 500/- yearly deposit. If this is the case also in Sukanya account, I dont think Death of sole earning member causes any problem. Family can continue one deposit (1000/-) in a year and keep the account active.
Am I right in my thought?
Regards
Santosh
Thanks Santosh,
1. Migration facility will definitely be there once the scheme becomes fully operational.
2. There is no insurance protection clause in this scheme and the government will not waive any future payments. 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.
3. This scheme is very much similar to PPF. You can keep the account active by depositing a minimum of Rs. 1,000 in a financial year. However, in case of guardian’s death, I think you’ll have to get the guardian’s name changed in the records of the post office/bank branch.
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/
Hi Shiv, I saw the sample application form but it doesnt answer my query on “Insurance” and “Committed Deposit”.
Santosh
Hi sir i have two daughters can i open two
Hi Manju,
Yes, you can open two accounts.
hello sir,
my daughter is 2yrs old,so i will have pay for 14yrs under this scheme that means she turns 16.
i would like to no will the maturity amount wary according to your chart depending on the age of my daughter.
will acknowledge your reply.
Hi Samkit,
Maturity amount will vary as per the rate of interest, the amount of your contribution and the month of deposit. Your daughter’s age has no role to play in the maturity amount, if it is withdrawn after 21 years.
Hi,
My daughter is 9 yrs old ,if i have to pay for 14 yrs ,she will be 23 yrs.Or i have to pay till her age 21 yrs?Is it mandatory to pay for 14 yrs?
sir , I want to two(sukanya) child plan for only my two daughter. So please call me on my contact no 8303024758 and tell me about Sukanya girl child plan.
Hi Mukesh,
Sorry, we do not offer such kind of personalised services.
Hi,
I have a question, now my daughters age is 5yrs and if I start investment now , till when I have to invest, till 14 yrs of my daughter, or till 14 yrs from date of opening the account. Also let me know what if I skip payment for any month.
Thanks,
Rajesh
Hi Rajesh,
You will have to invest for 14 yrs from the date of opening this account. Also, it is not a monthly deposit scheme, you need to invest only once in a year in this scheme. If you do not deposit a minimum of Rs. 1,000 in this account in a financial year, then there is a penalty of Rs. 50 for each year you skip to deposit.
Sir,
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 Anusha,
No, it is not allowed to open two accounts in the name of a single girl child.
Hai sir
My daughters DOB 17 March 2005 can I apply for this scheme
Hi Sayyed,
Yes, she is eligible, you can get this account opened for her.
Sir, this schem is only valid for girls
Yes, only for girls.
Hi Shiv,
My daughter got birth on 4th december–2014, is she eligible for this scheme or not, can i open one account for her.
Thanks
Santosh
Hi Santosh,
Yes, you can get an account opened for your daughter.
my doughter date of birth 05/04/2003 she was able this sukanya scheme ?
No, your daughter is not eligible for this scheme.
Hello Sir,
Thanks for IMP info., i would also like to know under sukanya plan can we monthly deposit 10k since its difficult to pay 1,20,000 at a time?
And what will be the final amount to be receive at the age of 21 years?
Waiting for value adding guide.
Thanks Seema
Thanks Seema,
Yes, you can deposit Rs. 10,000 monthly or any amount for that matter. Please check this post for maturity values as per monthly/annual contributions – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Dear Sir,
If any unfortunate death occurs for parent/gardian. Then what about the account, whether it will be closed or matures at 21 yrs.
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.
Hello sir,
I am anil kalia from ludhiana my daughter’s date of birth is 8-feb-2013 . Is she able for sukhyana scheme.
Hi Mr. Anil,
Yes, your daughter is eligible for this scheme.
Dear all
Please clear one thing,some told me.
As per our new p m there is a new offer comes for girl child,where we give only 1000/- per year till 14 years(1000*14=14000/-) and after girl child age cross 21 years,we can rcvd 600000/- rs.
Is this reality or any fake news.
This information of Rs. 6 lakh is incorrect.
You have said in previous comments that 1.5lakh per daughter can be invested upto 2 children. Whereas on the other forums I find the cap is of 1.5Lkah per family for 2 daughters.
I wanted to invest 1.5 for 1daughter and my wife 1.5L for another daughter and we wanted to claim tax deduction individually.
If you can clarify it would be helpful.
What I have mentioned is 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”.
Source: http://www.indiapost.gov.in/dop/Pdf%5CCirculars%5Csukanya_samriddhi_SB_Order_2.pdf
Hi,
my daughters birth date is 25 August.2008 can we apply for this scheme.
Yes, you can get this account opened for her.
Its clear by words, parents or guardian of a girl child below 10 but grace of one year
Its clear by words, parent or guardian of a girl child below 10 but grace of one year can invest and gain benefit of taxes as applicable
Hi shiv kukreja sir. …. namaste
My daughter’s DOB 22 NOV 2003. for sukanya scheme she is eligible or not.
Please inform me.
Hi Gousiya Begum,
No, your daughter is not eligible.
I went to our Siliguri(Darjeeling)head post office qyary for this scheme. But they have no clearly deffination .
You should wait some more time for further clarity.
Hi Shiv,
Is there any end date to subscribe this scheme? Until when the scheme will be available?
Thanks
Dinesh
Hi Dinesh,
There is no end date as such, this scheme will remain open indefinitely like PPF.
Hello sir. My daughter’s DOB is 28 August 2007. Is she eligible for this scheme?
Hi Taqvi,
Yes, your daughter is eligible for this scheme.
Hi
When it start in west bengal.
Hi Tarak,
This scheme has already been launched all over India. Please check with the post office near your place.
if one invests the minimun amount i.e Rs 1000 per anum what will be aprox. net amout payable to Account Holder after successful complelation of 21 years period
Assuming 9.1% throughout 21 years & based on certain other assumptions, it should be Rs. 52,605.
https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Dear Shiv sir,
Thanks for the information (SSY)
You are welcome!
Hi Shiv,
Thanks for such good information and the way you are helping..
Just small question :
ONLINE : Can we transfer amount online or each time we have to go in post office and need to do payment of same.
Thanks in advance.
Thanks Rohan,
In a fews days time, commercial banks including SBI, ICICI, Axis etc. will start opening these accounts and with them you will definitely have online transfer facility.
can we increase the monthly installment later if we started by 1000 each month
Yes, you can do so. Also, it is not mandatory to make monthly contributions, one contribution in a year is good enough.
Hi sir,
Pls tell me, 1000 pay every month.ya every year
Minimum Rs. 1,000 once every year is required and not every month.
There are viral shares on social media claiming the maturiy amount of Rs. 6,00,000/- for Sukanya Suraksha scheme after 14 years. Does this have validity? I have calculated with Rs.1000/- principal every year with 9.1% p.a. interest compounded yearly for 14 years, followed by compound intererst for the next 7 years. This gives me maturiy amount of Rs. 52,602/-. Am I missing something?
By the way, thanks for educating the people!
sreekar
No, you are not missing anything & your calculation is correct. People are getting misguided with Rs. 6 lakh figure.
Moreover, thanks for your kind words!
Can you please explain how the interest is calculated for every year. For Example if im depositing 12000 per year, then if we calculate the interest for 12000 x 9.1%, it comes to 1092. Can you please explain me why im going wrong in this ?
Mr. Dinesh, your calculation is correct. Rs. 1,092 should be the first year’s interest if you deposit Rs. 12,000 in the beginning of the year and rate of interest is 9.10%. So, why are you asking that where are you getting wrong? You are nowhere wrong.
Please check this post for maturity value tables – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
First year for interest calculation ( 6.5 months deposits ) has been taken, the balance will be taken (5.5 months deposits) where added at 15th year, while the exact is matching with the chart given
Hi Shiv,
Thanks for your efforts on this forum. Today’s TOI edition carried an article on the SSY scheme where they say, the maximum cap is 1.5L per financial year per family of 2 children. I believe this is not correct because it would then render the cap of 2 accounts for 2 children meaningless. Please clarify if it is 1.5L per account upto a max of 2 accounts which means one could deposit upto 3L though the 80c limit would still be only 1.5L.
Further, have any banks started opening accounts as on date. Any info on this?
Thanks for your kind words!
What has been mentioned in the post above is based on 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”.
Source: http://www.indiapost.gov.in/dop/Pdf%5CCirculars%5Csukanya_samriddhi_SB_Order_2.pdf
So, I think what I have mentioned holds correct. As you rightly mentioned, Rs. 1.5 lakh split between two daughters will leave the maturity value significantly insufficient for meeting their future education & marriage expenses.
Hello sir,
my daughters birth date is 1jan.2008 can we apply for this scheme.
Yes, you can do that.
Hi,
my daughters birth date is 1jan.2008 can we apply for this scheme.
Yes, you can open the account.
Hi Sir,
You have mentioned that in case of daughter gets married before completion of 21 years of opening the account, operation of this account will not be permitted beyond the date of her marriage and no interest will be payable beyond the date of marriage.
Suppose my daughter age is 9 years now and i am opening the account, and she gets married at the age of 25, will the account be closed after 16 years? and how will they know when my daughter gets married? Do we need to submit marriage certificate?
Yes, the account will have to be closed as your daughter gets married after 16 years.Also, I am not sure what you would be required to produce as marriage proof, but I think a declaration from the girl child or the marriage certificate or wedding invitation card would work as a proof.
Sir,
Mera beti ka DOB 17.08.14 kya me ye kar sakta hu?post office me or bank me bi khata khulbana parega?purana bank me account hai to chalega?
Please reply sir
Tanmoyji, aap ye account khulwa sakte hain, aapki beti eligible hai. Post office or bank branch mein khata khul jaayega. Puraane bank mein khata khulega ya nahin, ye bank batayega.
Hello Mr Shiv.. is residencial proof from form is compulsory for government employees.they traveled one place by other places yearly or few years once.
Hi,
Yes, address proof is required for opening this account. You cannot open an account without providing it.
Hello sir my daughter born on 17 july 2005 and 20 july 2006 are they eligible for sukanya smridi scheeme
Yes, both are eligible for this account.
what is sukanya samruddi yajana how much pay inmonthly
Please check the post above.
Sir,
I have 2 daughters and both are below 10 years old. i want to invest in ssa(sukanya yozona) in post office but some confusion arises, please .can you give me the following questions–
1. My Aadhar card address is in Bihar but i am living with family in orissa(by work), If i open a ssa in orissa post office then in future , can i transfer this account to my native place(bihar)???
2. can i invest 1.5 lakh each of my 2 daughters ssa a/c?total= 3 lakh??
4.In the ssa post office form- what should i write in 1st depositor column — my name or daughter name??
1. Yes, you can transfer it to your native place in future.
2. There is no clarity in this matter. I am assuming it is Rs. 3 lakh (Rs. 1.5 lakh for each girl child).
3. “Your daughter’s name” followed by “under guardian” “your name”.
Can V open a SSY account in the name of my daughter who is a PIO card holder. I am a Indian National
Can I open a SSY a/ c for my PIO card holder daughter
It is still not clear whether PIO card holders will be eligible for this scheme or not. Most likely they will not be eligible for this scheme, but you’ll have to wait some more time for further clarity.
Sir is yojana me kitne saal k liye kitne rupye JMA karwane par kitne rupye milenge plz reply sir
Maturity value ke liye please ye post check keejiye – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Sir
Mene suna hai ki sukanya sammradhi yojana me post ofice me 1000 Rs 1saal ka14 saal tak bharne ke baad. 21Saal ke baad 6000lak milega
Jagdishji, ye information bilkul galat hai, aise logon pe bharosa mat keejiye.
6000Lak nahi sir 6lak
Sir to aap hi batao ki kitne saal tak pesa bhare or uske baad band kar de,or saal ka kitna pesa bhare ki 14saal,ya 21 Saal baad 6 lak mile
14 saal tak har saal Rs. 1,000 deposit karne pe aapko 21 saal baad approx. Rs. 52,605 milenge. Rs. 6 lakh ke liye aapko har saal Rs. 12,000 deposit karne padenge. Ye post check keejiye – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
To sir aap hi. Batao ki kitna pesa kitne saal tak bhare ki 6 laak mile
If two accounts are opened in the name of two daughters, what is the maximum limit on investment ? Is it 1.5 lakhs for each account or 1.5 lakhs total for both accounts ?
As per the wordings of 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, it seems that Rs. 1.5 lakh is for a single account. For two accounts, it should be Rs. 3 lakhs.
Hi Shiv ji,
Greetings!
I am planning to invest 15000-18000 per year and. Lets assume if its 18000 per year and I need to pay the premium for next 14 years. What will be the maturity amount I can withdraw on 21 years completion?
-Natesh
Hi Natesh,
Please check this post for maturity values, it is approximately Rs. 9,46,891 after 21 years – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
When I pay the premium of 12500/month, my annual contribution is obviously 150000/-.
When my monthly contribution is 12500, the accumulated balance after 14 years is 42,48,430 and after 21 years its 78,16,308
When my annual contribution is 1,50,000, the accumulated balance after 14 years is 42,88,898 and after 21 years its 78,90,762
why is that difference in accumulated balance for annual and monthly contribution for same value?
This is because you are investing Rs. 1,50,000 at the beginning of the year and your money would earn 9.1% interest for the whole year. With Rs. 12,500 per month, your earliest installment will earn higher interest for you as compared to the installment you deposit in March 2016. So, this is causing a difference in the interest earned in a financial year.
What is tool
I didn’t get your query.
mam my child was born on may 6 2011 and my second child was born on august 16 2014 whether both of my childrens are eligible to this scheme…
Yes Papitha, both of your children are eligible for this scheme.
Thank you so much sir. I would like to know more the necessary documents to get tax benefit from Sukanya Samriddhi Account.
You are welcome Nisha!
Required documents are – Birth Certificate of the girl child, along with the identity proof & residence proof and 2 photographs of the parents/legal guardian.
Dear sir. None of the banks are having details in this account.
Yes, I expected the banks to start accepting these forms from this week. But, it is very disappointing that they are still not helping the investors.
Nothing astonishing looks with this scheme. If government was really serious then it should have created new clause apart from 80C for this thing otherwise there is no much difference between PPF and SSY. And with growing school and college tuition fee we have already invested up to extent of 80 C.
I think 9.1% tax-free rate of interest, which is higher than PPF’s 8.7%, is the best thing about this scheme.
I just want to know whether tax exception under 80C is applicable in FY 2014-15. Meaning, If I’m opening an account today for 50K, would that 50K count towards my allowed 1.5 lakhs tax exception under 80 C for this financial year? I saw in other site that tax exception for the maturity amount and interest is applicable from next FY onwards.
Please respond ASAP since noone explicitely mention which FY onwards 80C is applicable.
Thanks in advance.
Yes, tax exemption for the interest amount on withdrawal/maturity is applicable w.e.f. the next financial year (FY 2015-16). But, the investment in this scheme is already eligible for tax exemption u/s 80C for the current financial year, FY 2014-15.
Thank you..Very helpful
You are welcome!
Sir is the multiple deposits to reach 12500 possible ? For ex two days once if we pay 1000 will be accumulated as 12500 per month… whether it is possible to select 150000 pa ?
Yes, multiple deposits are allowed. Rs. 1,50,000 once a year is also allowed.
Dear Sir,
I have two daughters i had doubt that can i open two account with my name as depositor and also for each one can i depoist 1.5 lakhs per annum?
Thanks
Yes, you can open 2 accounts and deposit Rs. 3 lakh in these two accounts.
Thank you so much sir
You are welcome!
Dear Sir,
Which one is best sir to open this account in post office or bank?
Thanks
I think it is better to open it with a bank which provides online transfer facility.
Hello,Sir My daughter’s Dob is 12 Dec 2004.can we apply for this schemescheme
Thank’s David
Assam
Yes David, your daughter is eligible for this scheme.
Hi Shiv,
Can I open an account now (March-2015), deposit 1.5 lakh and another 1.5 lakh after 1st April 2015 (for next financial year)?
Hi Sarala,
Yes, you can do so.
Hi Shiv,
Is there an update yet on which are the banks and when will they start opening the SSY account?
Regards,
Hi,
Please check 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/
This is the latest I have about this scheme.
Hi! If a child is a PIO card holder, is he/she eligible for this scheme?
Hi,
It is still not clear whether PIO card holders will be eligible for this scheme or not. Most likely they will not be eligible for this scheme, but you’ll have to wait some more time for further clarity.
thanks for awareness sir
thanks sir
Thanks Sunil!
Hello sir. My daughter’s DOB is 16 November 2011. Is she eligible for this scheme and I want to deposit the amount Rs.1000/- for 14 year’s, how much amount i can get after 14 year’s
Yes, your daughter is eligible for this scheme. This scheme is for 21 years and not 14 years. So, you need to deposit money for 14 years, but you’ll get the maturity amount after 21 years.
my daughter’s DOB is 11-01-2010. is is eligible for the same. one more her birth certificate is submitted in school then how can i apply for the same.
regards
Hi Sonika,
Firstly, your daughter is eligible for this scheme. Moreover, you need to submit the copy of your daughter’s birth certificate. So, take a printout and submit that.
Dear Sir,
Can real uncle of a child open the Sukanya samridhi Account even if her father is alive but not financially capable?
Hi Deepak,
Yes, it is allowed.
Dear Sir,
Can real uncle of a child open the Sukanya samridhi Account and get tax benefits?
dear sir,
main agar 12000 per yearly account karu to monthly deposit kar sakta hu ya salana hi karne hoga
Monthly deposit bhi kar sakte hain.
dear sir,
i want to know that premium Rs 1000 per month deposit at a time or 12000 for quarterly
Yearly minimum deposit Rs. 1,000 and maximum Rs. 1,50,000.
kitna year tak deposit karna hai
14 years.
Sir mujhe bataye please ki agar maine 14 years tak rs.20,0000 ( Twenty thousand) deposit kie is scheme me, maturity pe kitna amount milega yearly 20,000 jama karne pe..
Regards
Please check this post, iske according aapko maturity pe Rs. 10,52,102 milenge – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
fist year i pay 15000/ after second third and fourth year ipay 60000 40000 70000 it is possible
Yes, it is allowed.
if i will discontinue after 3 years or more this due to some reason , can we will get the deposited amount at the time of 18 years of child
For every year of non-deposit, you’ll have to pay a penalty of Rs. 50 along with a minimum deposit amount of Rs. 1,000. You can withdraw the full balance only on maturity or when the girl child gets married, whichever is earlier.
sc st ke liye koi alag
sir sc st ke liye koi bises
Aapka question clear nahin hai.
Sir 1000 Rs mahine jama kerne per 21 year me kitna milega or yadi hum ekmust Rs 12000 ek year me ek baar jama kerte hai to 21 year me kitna milega. In dono me kuch fark hai ya nahi
Praveenji, ye post check keejiye, ismein different contributions ke according maturity values given hain – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
shiv ji pl. mujhe ye batai is yojna ki koi last date hai kya . or ager birth certificate nahi ho to kuch or option hai kya.
Nahin Mr. Pankaj, is yojana ki koi last date nahin hai. Birth certificate bhi mandatory hai.
shiv ji pl. mujhe ek aise rashi batai jasse mujhe 21 saal baad 10 lakh rs/mile or mai is rashi ke liye per month kitne paise jama karu.
Mr. Pankaj, ye post check keejiye, Rs. 10 lakh maturity value ke liye aapko approximately Rs. 1600-1700 monthly contribute karna hoga – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Sir 1000 Rs mahine jama kerne per 21 year me kitna milega or yadi hum ekmust Rs 12000 ek year me ek baar jama kerte hai to 21 year me kitna milega. In dono me kuch fark hai ya nahi
sir, is yojna me koi tex to nahi lagta aur bank or post office me koi fark h kya
Jagdishji, is scheme mein milne wale interest pe koi tax nahin lagega. Bank aur post office mein service quality ka difference ho sakta hai, scheme ke saare features same rahenge.
Agar main sukanya yojna me per year 12000 jama karta hun to mujhe 20 sal bad kitna amount mile ga
Maturity amount jaanne ke liye ye post check keejiye – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
sir agar me 1000/ month …deposit karta hun …18 year…me marrige ke liye t&c…apply karta hun to kitna milega…..plz…reply
Ramji, ye post check keejiye, aapko 21 saal baad maturity pe approx. Rs. 6,25,305 milenge – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Dear Sir
AGR mai per month 1000 jama karte hu to 14year me jama karate to 21 year me kitna mile ga.
Anantji, ye post check keejiye, aapko 21 saal baad maturity pe approx. Rs. 6,25,305 milenge – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Tpday iv visited boi but they said that this type circular not came in kaliyaganj.
Hi Sanjit, you should either wait some more time for the banks to start opening these accounts or get this account opened with a post office.
Hi Shivji,
Can NRI open Sukanya Samriddhi Yojana for their daughters ?? Please advise.
Hi Rajesh,
It is still not clear whether NRIs would be allowed to open these accounts or not. You’ll have to wait for further clarity on this matter.
Dear sir,
I want to know one thing. Whether the deduction under 80C of this Scheme will be in addition to the existing deduction available under 80C ? (i.e. Rs. 1,50,000.00) in a F.Y.
Hi Prabir,
No, the total exemption under section 80C including this scheme is Rs. 1,50,000 only.
Agar mujhe 21 saal baad 11,00,000 inr chahiye aur bichme jab meri beti ki age 18 saal ki ho tab mujhe 7,00,000 inr chahiye to mujhe monthly kitne inr jama karne honge post office me
Arunji, is scheme mein rate of interest fixed nahin hai, isliye main iski exact calculation nahin bata sakta.
Hi Sir,
Can i invest for my daughter in this Sukanya Samriddhi yojana?
She is 3 yrs old, But she is born in USA and holds US citizen.
Currently she is living in India on PIO visa.
Thanks,
Anand
Hi Anand,
It is still not clear whether PIO cardholders would be allowed to open these accounts or not. You’ll have to wait for further clarity on this matter.
Thanks Shiv. But are they going to provide clarification on this? How government will know that some PIO cardholders wants to invest in this scheme?
Regards,
Anand
Hi Anand,
Investors’ bodies or the RBI will put such queries to the government and the government/RBI will clarify in this regards or issue such notification.
sir main delhi main rehta hoon kya ye a/c delhi main bhi khul sakta hai or kaha jana padega.
Arunji, aap Lodhi Garden post office mein ye account khulwa sakte hain.
Sir me yeh sukanya samardhi schme kis karan 3ya 4 sal bhra es ke bad mein chod diya tomera paisa milegakya p/m 1000 aur kitna aur kab yedi mere ladki shadhi 18 sal tah hogato muje kitna paisa milega
Vilasji, jitne saal aap is scheme mein paisa nahin daalenge, utne baar aapko Rs. 50 penalty bharna padega aur Rs. 1,000 har saal ke hisaab se extra jama karna hoga. Paisa aapki beti ko uski shaadi ke time pe milega ya scheme ke 21 saal poore hone pe, jo pehle ho jaayega.
dear sir
agar mai kisi other steat ke post office me acount khulwa skata ho and kya bad me apne home ke pass wali post office me tranfar karwa sakata hoo plz.. reply sir
Chetakji, aap apna account baad mein transfer karwa sakte hain.
Hi,
Have any of the banks started opening the account? Can you please update, thanks!
Regards,
Hi,
There is no update as yet whether any of the banks has started opening these accounts.
I want to known last submission date of Sukanya samrudhi Yojana
awaiting for your reply
There is no last date for this scheme, it will continue beyond 31st March as well.
Dear sir,
My daughter age is 8 years 4months. If i open an account now, after 21 years she will be ~29 years by that time her marriage would also be over. If i want to take money for marriage can i take? and how much i will get(if i invest 12000/month). Is there will be any money loss.
Dear Mr. Kukreja,
i am very thankful to you for this valuable information, which are providing by you free of cost to the peoples. really you are doing great job.
I want to tell also the people who are again and again asking the same question, please read it carefully in the last few comments.
Answers asked by you mostly provided by Mr. Shiv Kukreja.
Thanks & Regards
Deepak Tanwar
Thanks a lot Deepak for you encouraging words and also suggesting people not to ask same questions over and over again!
can you tell me the last date for the scheme.
There is no last date for this scheme Saravanan.
hello Sir
Thanks for sharing this useful info. can i make variable investments every year. as in if i chose to do annual investment of 50,000 in first year then can i do 1 lac the next?
regards
Ramesh
Yes Ramesh, you can very well do so.
Sir,
Is it mandotary to deposite a fix amount in every year.and one more, after death of gurdian in between 14year will acount automatically closed. and in this sittation when my daughter get the mony and how much.
Hi Chinmoy,
It is not mandatory to deposit the same amount every year, you can deposit any amount between Rs. 1,000 and Rs. 150,000. Also, in case of an unfortunate event with the parents, the girl child can continue this account or withdraw the balance & close the account.
awaiting 4reply
If I deposit 1000 per year till 21 years. How much I ll get after 21 yrs complete
Please check this post for maturity values – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
M waiting ur reply
In an account opened by a parent,can a grandfather make the deposit and claim 80c benefits.
Not sure about it, but I don’t think it is allowed.
Dear Sir,
My Daughter was born on 19-09-2008.Can I open the account under this scheme.
Regrds,
Hi Rakesh,
Yes, your daughter is eligible for this scheme.
Dear sir ager meri beti 9 year ki ha kaya mera accont khole ga ager me montly 2000 per karte hion toh muge 21 year me kitne paise milege
Rampalji, aap apni beti ka account khulwa sakte hain. 21 saal baad maturity amount ke liye ye post check keejiye – https://www.onemint.com/2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/
Dear sir meri beti ki age 16 may 2007 ha kya accont khul sakhta ha
Rampalji, aapki beti ka account khul sakta hai.
Hi,
My Daughter and Myself are INDIAN citizens,but my Husband is canadian Citizen, we are planning to move to canada Soon and in future myself and my daughter will be becoming NRIs ,In this situation can we open the SSY scheme now. Please help us with the information so that we can proceed with the investment.
Hi,
You can get this account opened in your daughter’s name, but it is not clear whether NRIs would be allowed to continue with this account or not.
Sir ye scheme bjp government ne start ki hai
Ager next government isko close karegi to?
Sir please tell me
Ye scheme bjp government ne start ki hai Ager next government isko close karegi to?
Prashantji, kal kya hoga, ye na to aapko pata hai aur na hi mujhe. So, jo decision lena hai, wo to abhi ki situation ko dekhte huye lena padega.
Hi,
1. Is it possible that i can pay even after 14 yrs or is there any restriction that payment for only 14 years is allowed?
2. This 14 yrs is the age of child or 14 yrs from opening the account?
Thanks,
T. Sathish Kumar
Hi,
1. No, you cannot pay for more than 14 years.
2. 14 years will be calculated from the account opening date.
Hello sir… plz help me actually mujhe apni daughter ka account open karwana h bt there r sum probs mere saare proofs before marriage k h usme mere add & sirname dono mom k ghar k h or presently hamara address rented h… plz help me…
Hi Preety,
Ismein koi problem nahin hai, aap kisi bhi address proof ke basis pe ye account khulwa sakte ho and later on address change karwa sakte ho. Surname se bhi koi problem nahin hai, aap apna purana proof bhi submit kar sakte ho.
Dear sir,
Ye account 21 years me close ho jayega uske baad bi hum usme se paisa na nikale to ye account kab tak chalega aur koi spefic period jisme hume paise nikale hi nikale h..
Aapko beti ki shaadi ke time ye paisa nikalna hi padega, nahin to aapko interest nahin milega.
Sir may per month 1000 jama 14 years tak karunga to mujhe 18years me ketana melega.
Beti ke 18 saal poora hone pe 50% balance milega.
Sir, like the scheme for girls. Is there any thing for male child scheme, where I can save money for my child?
Hi Shyam,
There is no such scheme for the boys by the government.
Can I open it in State Bank of India.
Hi Pranjal,
SBI is authorised to open these accounts, but I am sure whether it has started opening these accounts as yet. You’ll have to check with SBI about it.
Dear Sir,
My Daughter was born on 25-01-2015.Can I open the account under this scheme.
Regrds,
Dattatray Patil
Yes Dattatray, you can do that.
Dear Sir,
My Daughter was born on 25-01-2015. Can I open the account under this scheme & tell me age (minimum) criteria (of daughter) to avail this scheme???
Regrds,
dattatray patil
A girl child born on or after December 2, 2003 is eligible for this scheme.
sir ! what is the last date for this scheme? someone told me it was valid upto 31 march ’15. is it true?
No Subhash, it is not true. This is an ongoing scheme with no end date.
if i die during policy running ( suppose i give 2 or 3 premium and died accidentally, the policy will not survive further as i am the only earning member of this family)
… what will happen? will my daughter get the maturity value?
if yes, when she will get the maturity value?
Mr. Subhash, in your absence, your daughter could withdraw 100% of the balance with interest.
dear sir,
Meri bhanji ki date of birth 12-04-2005 hai kya uska account khul sakta hai or agar main monthly 100 rupees jama karwata hu to kitne year tak merko 100 rupees month jama karwane padege or jab vo 21 year ki ho jayegi to meri bhanji ko kitna amount milega.
Thanks & Regards:-Laxman Singh
Laxmanji, aapki bhanji ka account khul sakta hai. Is account mein aapko 14 saal tak paise deposit karne honge, yaani 168 months. Maturity amount account khulne ki date se 21 saal baad ya phir aapki bhanji ki shaadi pe mature ho jaayega. Aapki bhanji ki age 21 saal hone se is scheme pe koi farak nahin padega.
SIR….first of all congrats…for giving such details and with such clarity on SSY,,,,
my question is u said that completion or maturity of scheme will be either 21 years of scheme or daughter marriage which ever may be earlier…
1….WHETHER it is mentioned in the scheme that we have to provide proof of marriage of daughter at time of maturity to authorities…
2…..Whether the maturity proceeds will go into daughters account or in parents account….i m asking these questions because i m planning to open account with the purpose that i would like to utilize the maturity proceeds for daughters marriage expenses…and this way then im going to plan the minimum contributions thereof……thanks
Thank you Dr. Gopal,
1. Nothing is mentioned in the circular about any proof of marriage.
2. Girl child would be the owner of this account, so she will get the maturity proceeds.
my girl DOB is 30/07/2014 is she eligible for this scheme?
Yes, she is eligible for this scheme.
my doughter date of birth is 18-12-2003 can make a sukanya sambrudhi yogana please tell me the possibility
Yes Mahadevasa, you can get this account opened for your daughter.
Date expiry kab tak hai
Is scheme ki koi expiry date nahin hai.
toll free no creats karna hoga tabhi ye yogna sabko samagh me aa ye ga
Yes, it is a good idea.
Meri beti ki date of birth 10-6-2012
To me sukanya samriddhi yojana account khol sakta hooo. .or
Monthly premium 200 deposit kar sakta Hoo…
Yes Sachin, aap apni beti ka account khulwa sakte hain aur ismein Rs. 200 deposit monthly kar sakte hain.
anything or similar scheme boy children
No Shyam, there is no such scheme for boys.
Dear Shivji
Please reply mydaughter born on july 6th 2014 is she eligible for this scheme or not.
Regards
Subhrajit
Hi Subhrajit,
Yes, your daughter is eligible for this scheme.
Hi Subhrajit,
Yes, she is eligible to open SSA account.
i wanna full details about this please tell me-co.no-8826017908
Hi Avnish,
We do not provide personalised services in such a manner.
sukanya yojana can i open an account in othorised bank in this scheme and can i deposit installment through directly in my saving account reply me.
So far banks are yet to provide facility to open this account. As soon as the start you can definitely transfer money to Sukanya Account from your bank savings account.
my daughter is born on 09/05/2013 and can i open account for her
thank you
Yes Bindu, your daughter is eligible for this scheme.
Kya ise kisi post office me bhi open kar sakte hain ?
Yes Ravi, Post Offices mein bhi ye account open karwa sakte hain.
sir
i have two questions.
(1) minimum / maximum deposit year without penalty. i just say deposit 14 years or 21 years.
(2) if mother or father / guardian die then what about the policy
Hi Tarun,
1. Deposit for 14 years.
2. The girl child has the option either to continue contributing to it or withdraw the whole balance & close the account.
scheme chalte chalte bich me agr meri death ho jaye to kya hoga… ? maturity amount milega ki jitna jama hua utna including interest?
Jitna jama kiya hai, utna hi milega + interest.
Hi sir, 20/02/2013 date of birth h kya account open ho skta h. Kitne rupees per year deposit krne ho phir kitne din baad kitne melege. My name ankit saini
Hi Ankit, account open ho sakta hai. Har saal minimum Rs. 1,000 aur maximum Rs. 1.5 lakh deposit karne honge 14 saal tak. Maturity value 21 saal baad milegi aur aapke contribution aur rate of interest pe depend karegi.
Sir,
Meri beti ki 11/03/2015 birt date hai to kya wo eligible hai??
Mari bati dob 27 01 2015 hai meei bati ka account open ho jayega
Yes Ajay, account open karwa sakte hain.
Sir
Mera 2 beti hai ek ka umor 11 sal odushra ra beti ka 4 sall hai plz sir bataye mere liye konsa plan bodiya rahega
Plz reply
Biddutji, ye scheme kaafi safe hai aur rate of interest tax-free hai. So, agar aapki badi beti ki date of birth December 2, 2003 ya uske baad hai, to aap apni dono betiyon ka account khol sakte hain.
Sir,
My baby Date Birth 05-08-2014 now iam in chennai Afte 2 Years i will be in kerala . Can I Able to continue the Account
Yes, you can continue the account.
Dear Sir,
first of all i would like to congrats to modi govt. for thinking of the welfare of the girlchild.can we open the account withthe D .o.b of 2002 .please provide info.at emailid. [email protected].
with regards
Arjun
Hi Arjun, 2002 born girl child is not eligible for this scheme.
17/2/2000 ladaki ka hai agar mahine 500 bhara toh sadhi ke time kitna mejority milega.jagdish vishwakarma
17/2/2000 born girl is scheme ke liye eligible nahin hai.
26/12/2005 ladaki ka hai agar mahine 500 bhara toh sadhi ke time kitna mejority milega.jagdish vishwakarma
Approximately Rs. 3,14,664 milega 21 saal baad – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir mujhe janna hi ke meri beti abhi 9 saal ki hi to mujhe ske liye yeh acc khulwana hi 9saal bad woh 18 ki hojayegi to mujhe saal tak acc active rakhna hoga or agar me 500 mahine bharti ho to mujhe katna milega pls rply me i am waiting for ur rply.
Afsanaji, aapko aapki beti ki shaadi tak ye account active rakhna hoga. 18 saal baad aap 50% balance withdraw kar sakte ho & shaadi ke time 100%. Rs. 500 monthly deposit karke 21 saal baad aapko 3,14,664 milenge – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Halllo sir.
Sir mai ye jankari lena chahta hu ki meri daugther in law ka dob 15/10/2014 hai and uska janam italy me huaa hai
Kya ham uska account open kr sakte hai
and maturity date hone per hame kitna amount milega
Plz reply me thx
Halllo sir.
Sorry sir mane phle quation me kuj mistake kr di thi
Sir mai ye jankari lena chahta hu ki meri grand daughter ka dob 15/10/2014 hai and uska janam italy me huaa hai
Kya ham uska account open kr sakte hai
and maturity date hone per hame kitna amount milega
Plz reply me thx
Malookji, abhi ye clear nahin hai ki India se baahar born girls ka ye account khulega ya nahin. Aapko thoda wait karna hoga iski clarity ke liye.
hallo sir
pl tell me minimum amount open this account
Minimum amount to open this account is Rs. 1,000.
Sir,
I found this Scheme very intersting. But this Scheme has only been launched in Post Offices. Most Banks are yet to implement this scheme.
The major drawback that I have found is that one cannot deposit funds online. The PO has clearly mentioned that Online Facility is not available, and the Banks have no Head or Tail of this Scheme Yet.
I want your suggestion that should I invest in this Scheme, if there is any chances that very soon it may go Online, as I am unable to make Transaction by going to the Post Office physically. And you have any ideas as what may be the process of shifting this scheme from One PO/Bank to other, as my Job requires shifting time to time.
If I were to open this account, I would have waited for the banks to start opening these accounts as they are going to provide the online transfer facility as well. The other option is to get the account opened in a post office and then get it transferred to a bank. As of now, I don’t know the procedure to get this account transferred.
My daughter BOB is 3/9/2013 is she eligible for this schemes
Yes Judie, your daughter is eligible for this scheme.
Hello sir,
My daughter’s’s birth date is 5/1/2015..
So may I open this account..???
Yes Varun, you can open this account.
sir my daughter is 9/5 years old if i can deposit 1000 per month what is last amount tel me
is it essential to deposit same money each year suppose this year I deposit 1000 can I deposit 2000 next year or not
Yes, you can do so Vivek.
Hi Shiv
I have one doubt. This scheme was supposed to help parents for the marriage of their daughters. However , this scheme pays money after the marriage of the daughter and not before marriage. So it looks like when the money is really required ( just before marriage) , you cannot withdraw except 50% premature withdrawal allowed. What do you think?
Regards
Ramadas
Hi Ramadas,
It is still not clear when exactly the daughter will get the money, but I think there will be an option of withdrawal within 3 months before the date of marriage.
My daughters date of birth is 16 Apr 2004 can I open the account later hence am not getting the form
You can open this account for your daughter till December 1, 2015.
Hi Dear,
Can you confirm me if i will have paid 1000/ yearly to continiou 14 years after 21 years how many will get returen? and my baby DOB 01/01/2013 may i invest?
Please confirm.
Thanks
BR,
Subodh kumar
Hi Subodh,
Your daughter is eligible for this scheme. 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/
Respected sir, My baby has born on 09/04/2015. Am I applicable to open this account for my baby or not? Thanks sir……
Hi Rajesh, your daughter is eligible for this scheme.
Shiv kukreja ji mene aapni 2betio ki ssy open kiya Hai…aap ye bataye ki account ki jankari post office me hi milegi ya …koi aur bhi jariya Hai…online possible Hai? ..passbook printed nahi hoti ..post office me…
Hi Suresh,
Online deposit and printed passbook facilities are not available in our post offices.
my child dob is 10.10.2006 and i want to start it from now i.e from 13.04.2015 (3000=00) per month how much i will get after she the daughter comes at 18years and also after full maturity i.e 21years
please provide the details
On maturity after 21 years, you’ll get approximately 18,87,983 @ 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 my daughter date of birth is 11-03-2015 so can I open this account.
Yes Rishu, your daughter is eligible for this scheme.
Sir ,i confused ki 1000rs monthly deposite karna hai ki pure one year me 1000rs deposite karni hai or sir plz ye bhi btao ki meri beti ka account post office me open karana hogo ya bank me .thank u sir
Hi Kavita,
1. Saal mein minimum Rs. 1,000 deposit karna zaroori hai.
2. Post Office ya Bank, kahin bhi ye account open ho sakta hai. Ye aapki marzi hai ki aap apni beti ka account kahaan open karna chahti hai. Banks ne abhi account opening process start nahin ki hai.
Plz sir rply my answer
Sir meri beti k DOB 23/5/2002 hi
im i applicable to open this account for my baby or not ?
Hi Nooru, your daughter is not eligible for this scheme.
Sir ,i confused ki 1000rs monthly deposite karna hai ki pure one year me 12000rs deposite karni hai or sir plz ye bhi btao ki meri beti ka account post office but how many to pay and plz explain . how much amount will get end of year.thank u sir
REPLY
Hi Ravi, ye monthly deposit scheme nahin hai, aapko saal mein sirf ek baar paisa deposit karna zaroori hai, minimum Rs. 1,000.
Sir,, I’m praful koe bhi government bank account khol sakte h n. Minimum Kitna bhar sakte h. Or uska benefit kaisa rahega. Child ko Kitna payment mil sakta h. Taki hame or paisa save na karna pade. Ek idea to bhi dena sir. Please kk
Hi Praful,
Sirf authorised bank branches mein ye account open hoga. Minimum Rs. 1,000 jama karne honge. Jitna paisa aap jama karenge, aapki beti ko uske hisaab se return milega.
Sir,
It is very good scheme and we are thankful to you as you have explained the scheme in very simple manner. I want to know :- whole amount deposited is exempted from tax and who will get tax benefit. If girl child, just after attaining age of 18 year get employment and start contribution from own income than who will get tax benefit child or parents
Thanks Murari for your kind words!
Amount deposited up to Rs. 1.50 lakh will get tax exemption under section 80C. Moreover, maturity amount will also be tax exempt. Whosoever contributes to this scheme, whether parents or the girl child herself, will get the tax benefit under section 80C.
David
March 23, 2015
Hello,Sir My daughter’s Dob is 19 November 2003.can we apply for this schemescheme
Thank’s David
Nasik
No Ronak, your daughter is not eligible for this scheme.
Hello,Sir My daughter’s Dob is 12 Dec 2004.can we apply for this schemescheme
In this case, your daughter is eligible for this scheme Ronak.
Hello,Sir My daughter’s Dob is 19 November 2003.can we apply for this scheme.
Nasik
In this case, your daughter is not eligible for this scheme Ronak.
dear sir, i have few doubts
1. who can withdraw the money: the child or the guardian at the time of maturity
2. will supporting documents eg. admission form / marriage certificate be required for the withdrawal … in general the requirement of money will be before the marriage or before the admission so will it be allowed to withdraw money earlier
3. what happens if the parent and child have a dispute ..the child wants it and parent feels otherwise..
regards
charu
Hi Charu,
1. Girl child will have the claim right to this account.
2. Though it is still not clear, I have been told that a declaration of admission or marriage would be enough to withdraw 50% or 100% of the balance.
3. Even in case of a dispute, the girl child will have the claim right to the maturity proceeds.
My daughter dob is 15-10-2011.kya WO is yojna ka a/c khulwa sakti hai
Yes Anil, your daughter is eligible for this scheme.
Sir, my daughter,s d.o.b. Is -21-08-2013.can we aply in this scheame.if yes then how?
Yes Rajan, your daughter is eligible for this scheme. You need to approach a post office or an authorised bank branch to get this account opened.
kya mai 100/- per mont sai A/C kulvasakta ho
Minimum Rs. 1,000 se account khulwa sakte hain. Baad mein Rs. 100 regular deposit kar sakte hain.
d/s/m,
meri badi ladki ka d/b-10.03.2010 and
second ladki ka d/b – 4.6.2013 hai, to kya main ye bbb acount khol sakta hu main max- 500-1000 pm deposit kar sakta hu lekin muze ye puchana hai ki, agar main 500 pm deposit karta hu to muze maturity samay total kitna amout milega and any other benifit, aur konse bank me ac open ho sakta hai.
pl. muze bataye
thanks
p.b.s.
9405523631
Dear Premsagar,
Please check this link 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/
Please check this link for list of authorised banks to open this account – https://www.onemint.com/2015/03/16/sukanya-samriddhi-yojana-updated-list-of-authorised-banks-to-open-an-account-specimen-application-form-passbook/
DEAR MAM/SIR,
Aftrt 21 yrs. howmuch amt will i recd from this scheme & how?
sir,
sukanya samridhi yojna main. per year 1000RS deposit karne hein. ya per month 1000 RS deposit karne hein
Hi Ritu,
Is scheme mein har saal minimum Rs. 1,000 deposit karna zaroori hai.
Har maheene paisa deposit karna zaroori nahin hai.
Minimum Rs 1000 per year. however you can deposit till Rs 1,50,000 per year. which is completely tax free.
Hi Dipak,
Maturity amount will depend on your contribution, timing of your deposits and the annual rate of interest, which is not fixed in this case.
Dadra bank me yah subidha uplabdh nahi hai.
Shrivastavji, thoda time aur wait keejiye.
May two days wapas agya balte hai Ki branch me iski jankari na hi hai.
Sir 14year 14000rs one year 1000 21 sal m kitna milna hai
21 saal baad approximately Rs. 52,944 milega – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Bank me koi subidha nahi hai may do bar wapas hochuka hoo. Dena bank details.
Shrivastavji, thoda time aur wait keejiye, jald hi banks mein ye account khulne shuru ho jaayenge.
merit larki 9year kind hai asp yojna ke bare me bataye
yojna ke bareme batye meri larki ki age 9 year hai kitna paisa Jana kare
Mohanji, zyaada jaankaari ke liye upar post check keejiye ya post office visit keejiye.
No link for VRL Logistics ?
Hi Rahul,
We did not get time to do research on VRL Logistics IPO.
dear sir ,
mera naam hai kamal me andhrapradesh ka hun,
mera doo baby girals hai 8 yers & 5yers so how to open acconts
i need help becoz im in kuwait
i whant to know tha process can you help me.
Hi Kamal,
Ye account kholne ke liye aapko apni betiyon ke birth certificates ke saath, apna id proof, address proof aur 4 photos kisi post office ya bank mein submit karna hoga.
Ma daughter of 1 month. I want to knw if i invest 1.5 lakh
Will it be calculated in guardian’s limit or not
Also if we invest 1.5 till 14 years
Wat will be d maturity amount in 21 years???
Hi Raj,
1. Your first query is not clear. Which limit are you talking about? Is it 80C exemption limit?
2. For maturity values after 21 years as per your contributions, 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, namaste I am Shukla I would like to known about this good policy for girl child it is very good for daughter’s marriage as well as education for improve girl’s skills in the Indian women’s to develop tomorrow’s better future & special for our good daughters to improve her life ,it is very good steps pl guide me for my lovely 9 years doughter I will thanks u for this.
Hi Mr. Shukla,
We have tried to explain all the points in this post above. Please let me know what else you want to understand about this scheme?
Hi Shiv,
I checked with SBI in Chennai today and they are not yet opening the account. They say they have not yet received the “product” and have no clue by when they will.
Any idea on what’s happening and why are banks reluctant to open the account despite the govt. announcing the scheme over 5 months back?
Regards,
Ashok
Hi Mr. Ashok,
Even I don’t understand why banks are just not ready to open these accounts. Probably there are not enough incentives involved in opening these accounts. You may visit any of the PNB branches to get your account opened. PNB’s contact no. is 011 25744370.
Hello Mr. Shiv Kukreja,
Thanks for providing such valuable information.
My Question: Can I open account for my daughter online? And after opening the account (any way) can I invest online in that?
Thanks,
Kshitiz Aggarwal
Thanks Kshitiz,
As of now, online account opening facility is not available for this account. But, if you open this account in a bank, you can make subsequent transfers online.
Hi what is minimum age to enter this scheme. My daughter is now 1 month. Can I invest in this scheme.
Hi Binaya,
Yes, you can get this account opened for your daughter.
Sir,
Account kolne ke liye 1000 rs jama karte hai, to ye batayiye ki monthly or yearly rupees kab aur kis waqt jama kar sakte hai.
Aur kya account kulte hi ye rupees jama karne padege.
Hi Rajeev,
Aap account khulne ke baad kabhi bhi paise deposit kar sakte hain. Saal mein kam se kam ek baar deposit karna zaroori hai.
Should pay 1000/ per every month or 100 for say girl child in post office
Your query is not clear Deepa, please ask it again.
Can I pay money online or not in this scheme?….
Hi Mr. Rajesh,
Post offices do not provide such facility, but banks do provide online money transfer facility.
Is it better then Postal Life Insurance. If I open PLI and take 21 years time maturity. I know i have to pay for 21 years but it has insurance benefits also. I am still confused please help me out.
Hi Mukesh,
Postal Life Insurance will not provide you 9.20% rate of interest. This is a better scheme for investment.
hai sir, muche yeh batado ki iske hermahine ka premiyum ekhi postoffice mem barna ya koyibhi postoffice mem bhar sakthahai?
Hi Mahesh,
Iska premium usi post office mein jama hoga jahaan aapka account hai.
respected madm/sir
mere bate ki D.O.B 18/01/2007 hai . agar mein 150000 annually deposit karte hun sukanya samridihi scheme mein to 21 year mein kitne total amount milaye ge
Hi,
Please ye post check keejiye, ismein pasted table ke according Rs. 1.50 lakh deposit karne pe 21 saal baad aapko Rs. 80,06,464 milna chahiye – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Hi,
I want to know about the nomination. Can we give nomination for this policy as sample filled form shows nomination as NOT APPLICABLE. I also want to ask about what in case of death of the parent, will the daughter get the amount accumulated immediately or she has to wait till the whole tenure of 21 year gets completed from date of opening the account.
Hi Anupama,
Nomination facility is not there in this policy as the parents/guardian will be entitled to the whole balance in case something happens to the girl child. In case of death of the parent/legal guardian, the girl child could either withdraw the whole balance immediately or continue funding the account till its maturity.
Sir Thx u for such a wonderful information,I want to ask that my daughter d/b is 13/1/2005. Can I open account for her. Post office people r saying it cannot b done bcoz she is above 10yrs.I told them that 1yr grace period is provided. But they r not ready to open an account and say that v don’t have such informatio about 1more yr grace period ply suggest me
Hi Annu,
You can print this circular and show it to them – http://www.indiapost.gov.in/dop/Pdf%5CCirculars%5Csukanya_samriddhi_SB_Order_2.pdf
If they still do not open your account, you should file a written complaint with the post master.
hello sir,
my daughter’s birthdate is 31 jan 2004.
can i open account for her. please tell me.
Hi Sushila,
Yes, your daughter is eligible for this scheme and you can get this account opened for her.
Hi, Can both wife and husband make use of section 80C for the deposits made by both on this account (to the max 1,50,000).
Example: Can Husband makes 70000 and wife makes 80000 to make use of 80c.
Yes Madhu, both husband and wife can claim exemption u/s 80C for their respective contributions.
Thank you. Do we need to enroll with both husband and wife names as guardians to child to avail tax benefits for both.
I heard a good news that SBI started offering this scheme. Presently the scheme is available at SBI, Patny, Secunderabad.
Yes, both husband and wife should get themselves named as the guardians to the child in order to get tax benefits. Yes, SBI has started servicing this scheme w.e.f. May 16.
Hi Mr. Kukreja,
I need some info for below points;
– what is the case if a person misses to annualy submit his deposit for any year SSY
– what is the case in case of dealth of depositor, scheme could be continued or amount to be withdrawn
– Is valid proof for education expense or marriage to be submitted to bank after maturity period or money can withdrawn after 21 years
Hi Dilshad,
1. There is a penalty of Rs. 50 per year of non-deposit and your account will become inactive.
2. It is up to the girl child (or her legal guardians) whether she wants to continue with the account or withdraw the balance amount.
3. Though it is still not clear what exactly the girl would be required to produce on her marriage or at the time of admission, but I think an affidavit and a declaration would be required stating that she wants to withdraw the amount for her higher education/marriage expenses.
Sir,
Whether a Grandfather is eligible for the benefit u/s80C of I.T.Act for deposits in Sukanya Samridhhi Yojna, for the grand daughter? The son & the grand daughter both live with me.
Hi,
If the grandfather is the legal guardian for the girl child, then he can contribute and claim exemption u/s 80C.
Sir
should i invest fixed amount every year i.e. if i invest 20000Rs this year,should i invest the same 20000Rs in the subsequent years or i can change the investment amount
Hi Srinivas,
If you desire, you can change the amount to be deposited every year.
my daughter’s dob is 02-04-2003 and 23-04-2012, can i open account both of my daughter in suknya samridhi yojana?
if the gurdian who can open an account of her daughtr, died inbetween the tanure of this scheme what is the result of this account?
Hi Salil,
Your elder daughter is not eligible for this scheme. In case of depositor’s death, the girl child/legal guardian has the option to keep funding the account or close the account and withdraw the balance.
Hi Sir
my daughter DOB 20/8/2014. what eligible for this.
Hi Vinod,
Your daughter is eligible for this scheme.
please tell me AGE criteria( minimum dob to maximum dob) for eligibility of this
Girl children born on or after December 2, 2003 are eligible for this scheme. Even newly born are eligible.
Sir my daughter is 4 month old can we opne account for her?
Yes Niv, your daughter is eligible for this scheme.
1saal me minimum aur maximium kitne paisae diposit karne hoge aur matiurity hone pe kitne milege
Hi Shailesh,
Minimum Rs. 1,000 aur maximum Rs. 1.50 lakh deposit kar sakte hain. Maturity value aapke contribution aur is scheme ke rate of interest pe depend karegi – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Sir meri bety da birth 31/8/2013 hai. Ki eh schem li sakda hu. Maximum kine jma kra sakta hu. After 18 year kini amount mile gi? Please tell me
Malkitji, aapki beti is scheme ke liye eligible hai. Ek saal mein maximum Rs. 1.50 lakh deposit kar sakte hain. Jab aapki beti 18 saal ki ho jaayegi, to app is account se 50% balance withdraw kar sakte hain. Account khulne ke 21 saal baad, ya aapki beti ki shaadi hone pe ye scheme mature ho jaayegi.
Sir i have two babies. One’s age is 3 & half year and second just 10 days . Agar m dono ka ac post office me open krwata hu or har mahine 1000 deposit krta hu to muje mature date par kitne paise milenge or agar 1000 par year krata hu then kitne milenge mature date pe sir muje bahut logo ne btaya h Ki 1000 pr month jma jrur krane pdege tbhi iska benefits milega sir please tell me about this scheme
Hi Manish,
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 9.20% rate of interest, you’ll get approximately Rs. 634,654 if you deposit Rs. 1,000 per month for 14 years. Aapko is scheme mein minimum Rs. 1,000 har saal jama karana hoga, na ki har month.
Dear sir my daughter is born on 28 march 2015 can I apply for this scheme
Yes, you can do so.
Hello sir
Main janna chahti hoon ki kya nirdharit post office mein paise legal guardian ki jagah koi aur jama kar Sakta hai?
Cash mein koi bhi paise deposit karwa sakta hai.
Hi
my daughter is born on 24-03-05.Pls tell me if i can open this sukanya samridhi acount for her.
Shweta
Hi Shwetaa,
Your daughter is eligible for this scheme.
Hi Sir,
I am planning to open two account for my two daughters in PNB Suganya. So, me and my husband can avail for the tax benefit if he is a second despoistor. Or we should open separate account in both of us name?
Please help us to plan accordingly.
Thanks in advance
Hi Viji,
It is not allowed to open two accounts in the name of a girl child. So, you should not open two accounts. Both of you should become depositors for your daughter’s account and avail tax benefits.
Thanks Siv,
Two accounts for my two daughters each one have one account only. So, i will open to my two daughters in my name and add my husband as second depositor. Right? So, both of us can avail for tax benefits?
Thanks in advance
Hi Viji,
It would be better if you open two accounts with each of you to be the depositor in only a single account.
Ok fine
Thanks Shiv
You are welcome Viji!
Thanks shiv i have opened my daughters sukanya samridhi account with me .will my husbands contribution be exempted from tax under 80c.
As you are the operator & depositor, you should deposit the amount & claim the exemption. It is still not clear whether somebody else, who is not the operator of this account, can deposit & claim the exemption or not.
Is there an online facility started yet where one can view the sttatement of account deposited/
I was told that passbook has not yet been finalized hence checking here.
SBI asked me to register beneficiary of the account number and transfer the amount into the account. but without knowing where the money is going, how can I just transfer into some account number?
any tips pls?
Hi Shrikant,
Even we don’t have any great tips to share. Online transfer facility will take time to set in.
Sir..what if I am unable to pay or continue the scheme say after paying for 10 yrs after opening the account ..how much amount will I get for paying 1000/- p.m.and how will I b able to withdraw it
Your account will become inactive if you discontinue depositing money even for a single year. Maturity amount will depend on the rate of interest and timing of your deposits.
My daughter DOB 23.03.2005 it eligibale to open accoun
Monthly Rs.5000 want to deposit
What amount at age of 18 year and at age of 21 year is eligible
please confirm
Hi Kalpana,
Your daughter is eligible for this scheme. This scheme will get matured after 21 years from the account opening date and age of 21 years is immaterial for withdrawal.
after starting policy and continued for 7 yrs, after that due to financial problems or family health issues or in case of parent death, what will happens to the policy? still will it continue until 21 years or withdraw the amount?
Hi Chandra,
Girl child can withdraw the entire balance & close the account in such kind of extraordinary situations.
Sir,
I am a State Govt. Employee. This scheem is having Possible SSS Method. ( like Dedction of my salery in every month).
Hi Mr. Rajinikanth,
I did not get your query. Can you please let me know what is the SSS method?
Hi
My daughter is born on 07-04-2005.Pls tell me if i can open this sukanya samridhi acount for her.
Suma Suresh
Yes Suma, your daughter is eligible for this scheme.
Hi
My daughter is born on 07-04-2005. If i can open this sukanya samridhi account for her on next year July 2016 because now i am in UAE . Please tell me.
Hi Suresh,
Your daughter will be more than 10 years in July next year. So, she will not remain eligible by then.
Dear Sir,
Can US born girl child from Indian origin (holding PIO card) are eligible to invest in this scheme.Parent holding Indian passport & Indian citizen
No Vikas, PIO card holder/NRIs are not eligible for this scheme.
Hi,
If sukanya account opened with wife as guardian and whether husband gets tax benefit.
Let me know.
Hi Abhi,
If Mother is the depositor, then Father cannot claim tax exemption.
Dear Sir,
Kindly update If I am taking Maximum benefit of PPF Account, whether can I invest in this Scheme in the name of my daughter for her future.
Yes Narinder, you can invest in this scheme as well.
Sir,
Can you please provide me a comparitive statement for this suganya samridhi with Life insurance investment as you given between this statement and ppf.
Thanks
regards
K.Sundaramoorthy
Hi Mr. Sundaramoorthy,
I think an insurance scheme is not good for investment. So, it doesn’t make any sense to compare an insurance scheme with an investment scheme. I think this scheme (SSY) is far superior to any traditional insurance plan from investment point of view.
Hi Shiv,
Is there any difference taking this plan either from post office or a Bank.
Means, would it lead to some changes in the policy or anything related to the benefits.
please suggest the best way to open this account whether in Post office or in Bank.
Hi Ajay,
There is no difference in basic features of this scheme opening SSY account in a bank or a post office. Only difference is convenience & ease of operation. If I were to open this account, I would have opted for a bank due to their online operation facility.
Sir,
Told me incase guardian was death between the term. What happened next.
Hi Manoj,
In case the guardian dies, the girl child/legal heir will have the option either to withdraw the balance & close the account or keep funding it further.
Hi
My daughter is born on 07-04-2005. now i am in UAE .Can daughter grandparents(Suma-Papa and Mummy) start her account during the absence of I and my daughter.If yes then what are they required for the processing (Passport copy,Birth Certificate copy and ………).How mush we deposit first in account and per month/ per years also how mush we deposit.Please advise me
Suma Suresh
Hi Suresh,
NRIs are not eligible for this scheme.
Sir,
Me & my wife are OCI staying in India for last 5 years. We are paying tax also here. My daughter is PIO holder staying and studying in India. can I open Sukanya Samriddhi Yojana account in her name.
Thanks
Hi Tim,
PIO holders are not eligible for this scheme.
Hello,
I already have this policy, I want to ask you that as I need to deposit minimum amount per year, does that year start after each payment ? Suppose I open the account in March-2015, I again deposit minimum amount in August-2015, So do I have the time to deposit next minimum amount till August-2016 or March-2016 ?
Regards,
Kshitiz Aggarwal
Hi Kshitiz,
You’ll have time till March 31, 2017 (FY 2016-17) to deposit your next instalment.
Hello shiv,
I had submitted all the required documents in sbi branch on friday 3rd July 2015 and they asked me to come on monday 6th July 2015 to deposit the amount. I have choosed 2500/pm and went today in to the branch to deposit the same. But their system did not take the amount as 2500 and they asked me to deposit 1000 and it was accepted by system however at the time of filling that form I have written to deposit 2500/pm. Please let me know if there is any condition to deposit 1000/pm only or what is the reason behind it. I myself want to deposit 2500/pm in my baby’s account.
Please suggest
Hi Ajay,
They are accepting first deposit to be of Rs. 1,000. Subsequently, you can deposit any amount of your wish.
Hello Sir,
Please clarify that whether parent can transfer money to this a/c through net banking or not.
Thanks
Hi Vinay,
Banks like SBI are offering online transfer facility for this scheme. You need to check with your bank.
Hi Shiv,
I have opened SBI account for my child. We tried to transfer the money through net banking but the SBI branch manager said, the account type has to added as Sukanya Samriddhi Yajana then only it will credit to your baby account. now this is not yet added in our website.
Probably will be added in future.
Can grand parents open accounts for their grand daughters and avail the benifits
Yes Sankar, it is allowed.
Sir plus send whole details with table of this scheme
Hi Md. Sabir,
Please check this post for the required table – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Hi Sir,
I have all address proof at my mother home address,if I gave this proof open this scheme for my baby, after 20 years, surely I don’t have this address proof,including my initial also change.
My husband initial and my husband home address proof only I have after 20 years.So shall I open this scheme with my address.My husband don’t have any address proof @ present address(we are in rental)
In future I get any problem with id proof or initial change issue?please guide me.
Hi Meena,
This account is like a PPF account or a savings bank account. There will not be any problem changing address proof or any other details at some later date.
Sir,
I would like to know whats is last date for opening a/c.
Hi Govind,
There is no last date as such for opening this account.
Dear Mr Shiv Kukreja,
My sister daughter date of birth is May 2nd 2008. My mother want to open an SSA with the name of my sister daughter. Please tell me did she is eligible to do this and please tell me did pan card copy is necessary to an account as identity proof. I went to PNB branch in my city at bulandshahr the representative of pnb told me its necessary. Please guide me the right.
Hi Mudit,
Your sister’s daughter is eligible for this scheme. Also, you need to have an ID proof and an address proof for getting this account opened. It is not mandatory to have PAN to open this account.
Hi,
Myself, my wife and daughter all are carrying Indian Citizenship today. say after 10 years we move out of india and become PIO. Would the daughter then be eligible to withdraw the total amount after the age of 21 by when she would in all probability be citizen of another country and not India.
Hi Arun,
This account is like PPF account. NRIs are not allowed to open a PPF account, but if opened as a resident Indian, the account can be continued as an NRI. Same would be the treatment for this account as well.
Dear Sir,
I have subscribed to this post, but I wish not have a feed. I am unable to unsubscribe from the link that is posted with the feed. Kindly suggest solution
Hi Sreekar,
We need to look into this problem. I’ll get it checked & get back to you.
Hi Shiv,
Am keen in opening this SSA for my 9 yr old daughter.Just wanted to clear a doubt if i can do so,as am a marine engineer(employed in a foreign shipping company,as such have my NRE status)..???
Brgds.
Hi Ivo,
NRIs are not eligible to invest in this scheme.
My daughter’s D.O.B -16 AUGUST 2003 Is she eligible for these scheme
No Nirmala, your daughter is not eligible for this scheme.
Sir , my cousin’s parents is not with us ,so please let me know to open her account without her parents ,and how to become gaurdian of her for this scheme and what should our next step?
Hi Naveen,
You could approach a court of law or a lawyer to become her legal guardian and get the account opened.
Kya girl ke 10year compete ke baad bhi parent account holder bane reh sakte he. Means parent ki permission se hi money withdraw ho sakte he
Hi Priyanka,
This account belongs to the girl child and she will have the final say on maturity.
Kya girl ke 10year compete ke baad bhi parent account holder bane reh sakte he. Means parent ki permission se hi money withdraw ho sakte he. Means vo money ka misuse naa kare to parent bhi seat me account holder reh sakte he kya
date
Hie mah daughter’s date of birth is 06/09/2009..can i apply…
Yes Mohit, your daughter is eligible for this scheme.
Dear sir,
I have opened SSA account for my daughter in Post office.Is there anyppossibility to transfer that account to banks. Please advise. Thanks
Yes Aravindhan, you can transfer your account from the post office to any of the participating bank branch.
Goodevening sir,
I blessed with a girl child on 11/08/2015.I want to know that how many account(SSY) can i open in name of my daughter.
THANKS
Hi Amar,
You can get only one account opened in your daughter’s name.
Hi
My daughter is 4yrs old and I would like to be a part of some scheme which is helpful for her education. By the time she completes +12 class, I want her to go peacefully to abroad for higher education. could you pls let me know which scheme is suitable??
Hi Venkat,
I think Equity mutual funds are best for meeting such long-term financial goals.
Sir in case of the death of girl or in case of account holder or in case of both then who can receive the money and is that money will with interest or without interest
Hi Saniya,
1. In case of the girl child’s death, the depositor/legal guardian will receive the balance with interest.
2. In case of the depositor’s death, the girl child/legal guardian will get back the balance amount with interest.
Sir,
May i get tax rebate on deposit of amount, means may I show this as my investment like PPF acount
Yes Mr. Ahirwar, you can claim deduction equal to your contribution u/s 80C.
Hi Shiv,
How do i know the exact amount will be receive at the time of maturity..
Suppose I am paying minimum due which is 1000/yr..
Hi Shiv,
I want to know the exact (Approx) amount will be receive at the time of maturity.
For an exp. I am paying the minimum amount of Rs 1000./- up to 14 years.
Hi Abir,
Please check this post to have an idea about the approximate maturity values as per your contribution – https://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Hi Kiran,
As the maturity amount depends on the rate of interest and timing of your deposits, it is next to impossible to know the exact maturity amount.
Hi,
I have opened an account for my daughter.
Can my wife also contribute in the same account and claim the 80C exemption.
If yes, then what will be the procedure?
If No, what needs to be done?
Hi Sumit,
Your wife can issue her cheque to deposit money in your daughter’s account and hence claim exemption u/s 80C.
hi sir ,
i just want to know if the girl name change in future then in this condiations can we witdraw amount . like i have open a/c for my doughter she is 1 year old and her mane is elisha and a/c is opend with same name .but thought that in future if i change her name the document will chang .
i meane her id prouf .then can she claim for mony with diffrent name ??
Hi Vinay,
There will not be any problem in withdrawal, she’ll just have to produce the relevant documents confirming her name change.
My daughter born on 27/jan
2005.Can I open sukanya account
in Post office.
Yes Jenish, you can do so.
How should we pay the premium. Is it monthly or quarterly or any other option.
Hi Mr. Rao,
You are required to deposit money only once a year, but you can deposit money as many times as you want.
Sir, what happened the depositor will dead early
Hi Mr. Mohanta,
In case of the depositor’s death, legal guardian or the girl child has the option to either withdraw the balance & close the account OR continue funding the account, if possible.
My daughter age is 8 years . If I start this now , till what age I need to deposit the amount and when it will get matured.
Hi Kapil,
You need to deposit money for 14 years i.e. till 2029. It will get matured after 21 years i.e. in 2036. But, your daughter will have to compulsorily close the account as & when she gets married.
My daughter’s D.O.B -10 March 2003 Is she eligible for these scheme ?
No DSPatwai, your daughter is not eligible for this scheme.
Mam/Sir
I am a single parent and my daughter DOB is 3/9/2003 Can I apply for sukanya samriddhi yojna.
No Nagmi, your daughter is not eligible for this scheme.
I want to open ssa to my sister daughter she is 6 now.whether I can open as a guardian or my sister or brother in law need only open.I need to submit my pan.card for this and child is not having pan
Hi Svvskr,
You need to provide your documents as a legal guardian of the girl child. Only then you can open this account for your niece.
Bank & PO ke Ssa interest same milega ya alag-alag hoga?
Hi Indu,
Bank aur post office ka interest rate same hoga.
My daughter dob is 27 may 2014 is she elgiable
Yes Kumari, your daughter is eligible for this scheme.
I see this scheme is not much talked about. Do we have some stats on how many accounts opened. is there a private bank offering this online even if some of documents need to submit offline?
Dear Sir,
My daughter D.O.B is 18-09-2004, can I apply sukanya samridhi yogona for my daughter.
Dear sir,
Salient features of SSY ko hindi me translate kr send kijiye jo aam logo ko bhi samajh me aye.
My girl child dob is 14/11/2005.I am investing a amount if 1000 per month.Then for what is the total time I have to invest&what is the retur?
Dear Sir/madam
My daughter d.o.b is 18-09-2004.Can I opened Sukanya Samridhi for
my girl child
I have already obtain for this scheme. I just want to know what documents need to present at the time of maturity withdrawal by my daughter
Hi,
My wife ( housewife) opened an account for my daughter in post office
Can I claim the same deposit for my tax exemption u/s 80C.
Sir ,
The account is in name of my daughter as a legal guardian is myself. Can my wife claim the tax exemption on investment amount under section 80c if i pay the money by cash?
My daughter DOB is 6/6/2005, can I open the account in her name in this scheme.
Sir,
I am currently in India only, but soon we are planned to go to USA for couple of years. Will there be any issue if we open a SSY account for my 7 month old daughter before travelling.
Please suggest.
Thanks.
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?
My daughter DOB is 16 September 2005. Whether it is possible to open account in Sukanya scheme.
Hi Sharmy,
You just missed it by few months. Girl’s age should be less than 10 years to enroll for this scheme.
On the advice of the Post Master, we have opened SSA in the name of my Son’s daughter who is a PIO(person of Indian Origin). The SSA is opened by her Father who is now staying in India with family. After seeing the website of SSA, Govt.of India, a doubt has come to my mind about the eligibility of PIO for SSA . Pl. clarify whether the advice of Post Master is correct and any problems arise at a later date while withdrawing the maturity amount after 21 years.I request to reply my E mail ID soon.
PN LAKSHMANA REDDY
YEARLY PAYMENT CAN BE DONE OR NOT INSTEAD OF EVERY MONTH???
Dear Sir
Is it possible to submit yearly payment instead of Monthly?
Regards
Veer Arjun Upadhyay
My daughter dob 30 /10/2006 whether it is possible to open account in Sukanya scheme.
My daughter dob 01/02/13 whether it is possible to open account in Sukanya scheme.
My Daughter DOB is 21/12/2015 can we open account in sukanya Scheme if yes please sugest me from where apply on this
According to govt rules , you can definitely apply for this scheme . you can go to nearest bank otherwise post office . they will be provide complete information. there is no issue. you can contact to me if you have any issue / problem .
My daughter dob 21/12/2015 whether it is possible to open account in Sukanya scheme if yes so please suggest me where apply this
My daughter DOB is 11 September 2003. Whether it is possible to open account in Sukanya scheme.
Please replay.
meri beti ka d o b 17november2015hai agar koi achhi scheme hai to btaye
My daughter dob 01.04.14 whether it is possible to open account in Sukanya scheme.
yes
My Daughter dob 01.04.15 whether it is possible to open account in sukanya yojna
My daughter’s DOB is 1/10/2004.Whether is it possible to open account in sukanya samridhi scheme.
My daughter’s DOB is 1/10/2004.Whether is it possible to open account in sukanya samridhi scheme.
Pls reply as fast as you can
Hi
My daughter’s DOB is 01-Feb-2002. Please suggest any other saving scheme is like sukanya samriddi is available.
Now she is 13 years. Can we pay the amount for the years for 3 years in one installment and open the account in sukanya samriddi since the age limit is 10 years
Thanks
Hi
1. My daughter’s DOB is 01-Feb-2002. She is 13 year old now so and not eligible for Sukanya Samriddhi. Please suggest any other scheme like Sukanya Samriddhi is available for her.
2. Since she is 13 years old could we pay the pending amounts of 3 years and open a Sukanya Samriddhi account.
Thanks
god gave me two beautiful baby boy any scheme for boy
Please go ahead with PPF for boy. SSY for girl who is less than 10 years.
My daughter dob 04/11/2015 whether it is possible to open account in Sukanya scheme if yes so please suggest me where apply this
My second daughter Dob 25/10/2011 it possible to open account in sukanya scheme plz suggest
Sir post office me on line transfer start hua ?
my daughter is now 7 years old.
que 1 – i pay yearly 1000 and which amt get with which in years ?
que 2 – i pay monthly 1000 and which amt get with which in years ?
please reply……
At a time of maturity any TDS will be deducted???
No. It is a tax free benefit.
by whom this sukanaya yojana is opened?
or
who is isponsored this schems?
my daughter is studying in USA and we are staying in USA but Indians, will we are eligible for open account
My daughter dob 27.05.2015 whether it is possible to open account in Sukanya scheme.
Dear sir I want to open.this account , can you tell me the what is the rate of interest in post office and any nationalise banks means I want to know the rate of interest it’s same in post office and banks or different interests in different banks please tell me
Regards
Syediliyas
8050229511
Sir, maine apni beti ke naam IOB me sukanya yojna 20-08-2015 ko li thi ab mijhe bank change krna hai to kya krna padega?
sir,
maine sukanya scheme august, 2015 me apni beti ke naam se indian ovreseas bank, Lucknow me li thi. Ab mujhe bank change krna hai to kya krna padega?
My daughter age is 2 year can i take this scheme
Hello sir,
if iam not able to deposit or carry suknya account or i want closed that account then what is the prosses please help me.
and how to take my deposited mony back.
Hi my daughter was born on May 2015 nd I’ve already opened an account in post office at Dec 2015. Nd tisSukanya Samriddhi Yojana plan was started on jan tis year. Nd how could I convert d previous plan to tis new scheme. Kidly guide me.
Sir
Kaya sukanya samridhi yojana me Jo abhitak account open nahi karaye hai.wah bykti new account open kara sakte hai.ya nahi ki yah Ascham chalu nahi hoga .
Sir kaya sukanya samridhi yogana after 14 year who depsoit rs.2000 total amt after 14 year pl calculate amt
Dear Sir,
I am staying in Dubai and visiting India next month.
Pls want to check if I am eligible for this scheme. I have 3 years old daughter.
i want to open a ssa for rs 1000 monthly. is it possible to deposit excess amount in serve months and hou benifit calculated for excess deposit
i want to open a ssa for rs 1000 monthly. is it possible to deposit excess amount in serve months and how benifit calculated for excess deposit
Sal me 1000 jama karne par ladki ka 21 year pura hone par kitna paise milega total batao please
My daughter’s age is 8 and I would like to deposit. 5000/- monthly. What Will be the grand total amount for 21 yrs of her age. Plz guide me.
dear sir’
i already open my child account on sukanya samridhi yojana, with manthly 1000 Rs. , so after 21 years i have to get maturity only amount ( as per interest ) plus 60000.000 Rs. or what
Dear sir i have a number of queries, which are given as follows.
1. As you said that one have to deposite in this scheme only for the first 14 years, then if i am correct, the capital investment at that time will be equal to the deposite+compound interest of 14 years?
2. Can someone continue depositing in the scheme after the 14 years for getting more interest/benefits?
3. Why are the muturity benefits differ on monthly and yearly basis payments for the same amount?
4. In case of unfortunate death of the child, the amount shall be paid to the parent(s), would it be included of intetest gained till the date.
Sir , i had open sukanya a/ c last year in post office but now i want transfer this to my bank a/ c ??? But agent of post office said that a/ c will not be transferble ?? What to do ???
Dear Sir,
My daughter DOB is 15/05/2005 and she is 11 yrs old, is she eligible for this scheme? In other words the one year grace period is still applicable till date 07/11/2016?
Please let me know at the earliest.
Regards,
Vivek
Sir/Madam,
Meri bchi ks janam 7-7-2016 ko hua hai. Kya hum ish scheme ko join kr skte hai. Ish scheme main kitna paisa lgana hai or kb tk paisa dena hai. 21 years ke baad kitna paisa milega . Pls puri information btaie.
my daughter dob 07.08.2009 please deatils the plan
Dear sir,
We want to open this account in Rajesthan State but my id and Address proof is made from Delhi then We can open this account in Rajesthan if not, then what should we do for it.
Thank you
Dear sir,
My daughter is DOB 16 April 2010
Pls all information given
just i want to know about my daughter she is now 16 years which one for her best policy
I just want to know if father will be died after 3 or 4 year what will benefit my doughter
My elder daughter is 11 years so can she get this policy or get me better option against it.
My daughter DOB is 24 March 2008. Whether it is possible to open account in Sukanya Samriddhi Yojana Scheme.
My daughter’s dob is 01-12-2007, can we apply for sukanya yojana in any bank? Please reply to my query.
Dear sir
Sukanya yojna ke tahat yadi beech me amount nahi bhar saka to usko nikalne process kya hai please help me
is it possible i can deposit ?30000 one year
nd in next year i deposit ?40000
?30000 in 1st year
nd
?40000 in 2nd year
my daughter D.O.B. 18 july 2005.
please tell me it is possible? (for this scheme)
Hi,
My daughter was born in Muscat on Mar 2016, passport also issued from Indian embassy Muscat with my Indian permanent address.
I am currently still working in Muscat but wish to start a SSA account in my daughter’s name. Am i eligible to start an account in her name?
Please guide.
Dear Sir,
Which investment is better? either investing monthly Rs1000 or yearly Rs 12000
Dear sir,
My daughter DOB is 06th june 2008. Whether it is possible to open account in Sukanya Samriddhi Yojana Scheme.
Yearly how much should I invest money for my daughter,if I cannot invest money monthly.
My elder daughter is 16 years so can she get this policy or get me better option against it.
My doughter is date of.birth21.05.2015. Please all information given me
Sir , if i deposit in jan 1000 ,feb 3000& in March 500 ,is it any issues.
My daughter DOB is 14 April. Whether it is possible to open account in Sukanya Samriddhi Yojana Scheme.
Good evening sir.
My daughter DOB is 3rd may 2015 i want open this account for my daughter is it possible kindly please give me advise. if there is any other scemes which is best foto me.
Dear Sir/Madem,
My daughter is 5 years old …. So how many years do I have to deposit money by 1000 / month and after how many years, how much money will I receive.
Thank You
Abhishek Gurjar
9887651442
sir can u inform about the best central govt schemes for 24 years girls
Can I invest in my grandchildrens name.If Yes can I get 80C benefit. Pls clarify