Sukanya Samriddhi Yojana 2022-23: There is a small savings scheme of the central government for daughters below the age of 10 years, which has been launched under the Beti Bachao-Beti Padhao scheme. Due to this, there is an investment scheme with better interest rates for higher education and the marriage of daughters. Prime Minister Narendra Modi started this scheme on 22 January 2015. Sukanya Samriddhi Yojana (SSY Account) is a post office small savings scheme, so your investment is completely safe. You also get excellent returns on this plan. The annual interest rate of Sukanya Samriddhi Yojana 2022-23 is 8.5 percent. The special thing is that even with a small investment in this scheme, you can earn a big amount. An amount of about 64 lakhs can be obtained on maturity by depositing the maximum amount in this scheme. So let’s know through this article PM Kanya Yojana online registration, application form, eligibility, facilities, benefits, online payment in full detail below.
Sukanya Samriddhi Yojana 2022-23 – Overview
The account can be opened in Sukanya Samriddhi Yojana (SSY) with only Rs.250. With this, through small savings, you can deposit money in Sukanya Samriddhi Yojana for the child’s marriage or higher education. The Kanya Samriddhi Yojana (SSY) account, which opens with a very small amount, has been started keeping in mind those families who want to deposit money for the marriage or higher education of the child through small savings.
|scheme name||Sukanya Samriddhi Yojana 2022-23 (SSY)|
|Launched by||Indian government|
|key benefits||Under Sukanya Samriddhi Yojana 2022-23, a small economical amount can be deposited in the bank accounts of girls. It offers one of the highest rates of interest.|
|The objective of the plan||financial inclusion of girls|
|under the scheme||State government|
Sukanya Samriddhi Yojana 2022-23 Online Application
Sukanya Samriddhi Yojana 2022-23 is a small deposit scheme for the girl children, launched as a part of the ‘Beti Bachao Beti Padhao’ campaign. Users can get detailed information related to this scheme for the girl children. You can find information related to account opening, account operation, account closure, withdrawal, etc.
One of the reasons for the popularity of this scheme is its tax benefits. It comes with a maximum tax benefit of Rs 1.5 lakh under Section 80C of the Income Tax Act. In addition, the interest earned and the maturity amount are exempt from tax.
All the candidates who are willing to apply online then download official notification and read all eligibility criteria and application process carefully. We will provide brief information about “Sukanya Samriddhi Yojana 2022” like scheme benefits, eligibility criteria, scheme salient features, application status, the application process
Important Links for SSY Account
Sukanya Samriddhi Yojana account of any girl below the age of 10 years can be opened by depositing at least Rs 250 annually and a maximum of Rs 1.5 lakh can be deposited in a year. You can deposit money in Sukanya Samriddhi Yojana every month or quarter or whenever you have money.
If you forget to deposit the minimum amount in the Sukanya Samriddhi Yojana account in any year, then the account will be closed which can be restarted with a penalty fee of Rs 50, and if you do not deposit the minimum amount for the year, then post on the deposit amount. Interest will be available equal to the savings account of the office, which is currently around four percent.
|Online Application||Registration, Login|
|Telegram Group||Click Here|
|Sukanya Samriddhi Yojana 2022||Official Website|
Sukanya Samriddhi Yojana 2022
The scheme was launched by Prime Minister Narendra Modi on 22 January 2015 as a part of the Beti Bachao, Beti Padhao campaign. The scheme currently offers an interest rate of 7.6% (for the April-July 2020 quarter) and tax benefits. The account can be opened at any Indian post office or branch of authorized commercial banks.
|tenure||SSY is a 21-year plan and has to be deposited regularly. So if the age of the child is 4 years, the maturity of the account will be when the child attains the age of 25 years. However, this plan allows withdrawal of funds for marriage after the age of 18 years.|
|investment period||Even though the tenure is 21 years, in the SSY scheme money has to be deposited for the initial 15 years only. After that, no further payment is to be made till maturity, but the account will remain in operation. After the age of 18 years, the girl child is allowed to deposit herself in the SSY account, while the parents can also deposit|
|withdrawal||SSY rules allow exit from the plan after 5 years, but only if there is a medical emergency. The scheme allows withdrawal of up to 50 percent of the balance amount for the child’s education after the age of 18 years.|
|tax exemption benefits||Investments under Sukanya Samriddhi Yojana are tax exempted under section 80C of the Income Tax Act. If the daughter turns 18 and needs money for studies or marriage, you can withdraw up to 50 percent of the deposit amount.|
Registration of Sukanya Samriddhi Yojana
The Sukanya Samriddhi Yojana (SSY) application form for a new account can be obtained by visiting the nearest post office or participating public/private sector bank. Alternatively, you can also download the SSY New Account Application Form from the website of the Reserve Bank of India.
Steps to Download Sukanya Samriddhi Yojana 2022-23 Application Form Online
step 1, Sukanya Samriddhi Yojana 2022-23 Account Application Form can be downloaded from various sources like-
Reserve Bank of India website
The India Post website
Personal Websites of Public Sector Banks (SBI, PNB, BOB, etc.)
Websites of participating private sector banks (like ICICI Bank, Axis Bank and HDFC Bank)
Step 2. There are multiple sources to download the SSY application form, regardless of the source the fields in the form will be the same.
How to fill Sukanya Samriddhi Yojana 2022-23 Application Form
In the SSY application, form applicants need to provide some important data about the girl child in whose name the investment will be made under the Beti Bachao, Beti Padhao scheme. The details of the parent/guardian who will open/deposit the account on their behalf are also required. which are mentioned below.
- girl’s name
- Name of the parent/guardian who opened the account
- initial deposit amount
- Check/DD number and date
- date of birth of girl child
- Birth certificate details of the primary account holder
- ID details of parent/guardian
- current and permanent address
- Details of any other KYC documents (PAN, Voter ID card, etc.)
Once the above details are filled in, the form needs to be signed and submitted to the account opening authority (Post Office/Bank Branch) along with copies of all applicable documents.
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Eligibility Criteria of Sukanya Samriddhi Yojana 2022-23
Following are the major eligibility criteria to open an SSY account as part of Beti Bachao, Beti Padhao scheme
- SSA account can be opened only in the name of the girl child.
- Within a family, only two such accounts are allowed to be opened.
- The important thing to be sure is that the age of the child should be less than 10 years.
- SSY account can be opened at any post office or select designated branches.
How to check your SSY account balance
- If you have an account with a participating bank branch, the account balance can be easily checked through internet banking or mobile banking.
- However you need to ensure that this account is linked to your existing net banking account for easy access to the account records.
- Participating banks have this option of online balance check for SSY accounts in addition to passbook update option by visiting the bank branch.
Sukanya Samriddhi Yojana 2022-23 Calculator
If you are planning to invest in the scheme, you can use the Sukanya Samriddhi Yojana calculator to calculate the maturity amount at the end of the tenure. You can use the calculator to know the approximate amount you can save through this scheme for your daughter’s higher education and/or marriage.
Authorized Banks for Sukanya Samriddhi Yojana 2022-23
There is a total of 28 banks authorized by the Reserve Bank of India (RBI) to open accounts in Sukanya Samriddhi Yojana 2022-23. Users can open an SSY account in any of the following banks and avail of this scheme.
- Allahabad Bank
- State Bank of India (SBI)
- axis bank
- Andhra Bank
- Bank of Maharashtra (BOM)
- Bank of India (BOI)
- Corporation Bank
- Central Bank of India (CBI)
- Canara Bank
- Dena Bank
- Bank Of Baroda (BOB)
- State Bank of Patiala (SBP)
- State Bank of Mysore (SBM)
- Indian Overseas Bank (IOB)
- Indian Bank
- Punjab National Bank (PNB)
- IDBI Bank
- ICICI Bank
- Syndicate bank
- State Bank of Bikaner and Jaipur (SBBJ)
- State Bank of Travancore (SBT)
- Oriental Bank of Commerce (OBC)
- State Bank of Hyderabad (SBH)
- Punjab and Sindh Bank (PSB)
- Union Bank of India
- Uco bank
- United Bank of India
- Vijay Bank
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