Sukanya Samriddhi Yojana mai Account Open Kaise karwaye

Dosto aaj mai aapko ek aisi yojana ke bare mai batane jaa raha hu jise sunkar aapka dil khush ho jayega. Yadi aapke ghar beti (girl child) born hui hai to aapko tension lene ki jarurat nahi hai Indian Government ne Sukanya Samriddhi Yojana ki shuruaat (start) ki hai. Sukanya Samriddhi Yojana (SSY) ka yadi aap benifit lena chahte hai to aapki beti ki age 1 month se 10 years ke ander honai chahiye.

Pradhan Mantri Modi ji ne Beti bachao Beti Padhao ko dhyan (consider) mai rakhate huye Sukanya Samriddhi Yojana (SSY) ki shuruaat ki hai

What is Sukanya Samriddhi Yojana(SSY) ?

Sukanya Samriddhi Yojana (SSY) – ek Small deposit Scheme hai jise Indian Government ne Beti Bachao, Beti padhao ko badhawa (increase) krne ke liye shuru kiya gaya hai. SSY Scheme mai aapko 9.1% ka interest diya jaata hai aur aapko Income Tax mai bhi rahat (rebate) diya jaata hai.

How to Open Account in Sukanya Samriddhi Yojana

Yadi aapki Beti (baby child) ki age 10 years se kam hai yaa abhi abhi (now) born hui hai to aap apni beti ka sukanya samriddhi Account kisi bhi PUBLIC, PRIVATE yaa POST OFFICE mai open karwa sakte hai.

Sukanya Samriddhi Yojana Account open karwane ke liye aapko har sal (yearly) minimum Rs. 1000 deposit karna he hoga aur maximum aap 15 lac deposit kar sakte hai.

Sukanya Samriddhi Yojana Account aapki beti ki age 21 years tak he continue rahega. Jaise he aapki beti 18 yeras ki ho jaati hai to aap 50% paisa nikal sakte hai.

Benefit of Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana mai aapko Account jarur open karwa lena chahiye yadi aapki beti ki age 10 years se kam hai.

1. Higher Interest Rate

Sukanya Samriddhi Account mai aapko sabse bada fayda (benefit) HIGHER INTEREST RATE – 9.1% milega jo other Deposit Scheme se bahut jyada hai.

For example yadi aap Rs.10,000 yearly Deposit karte hai to 21 years ke bad aapko  5.30+ lacs milega.

2. Relief in Income Tax

Sukanya Samriddhi Account mai  Section 80 C, Income Tax Act ke andar (under) aapko Tax mai rahat (relief) milega . Iska matlab aapko tax nahi dena hoga.

3. Open Account by Deposit Rs. 1000 only

Aap kishi bhi PUBLIC, PRIVATE, yaa phir POST OFFICE mai jaakar account open karne ke liye apply kar sakte hai.

Aapko apna Sukanya Samriddhi Account continue karne ke liye salana (yearly) Rs. 1000 kam se kam (minimum) deposit karna hoga.

4. Maximum Deposit 1.5 lac yearly

Aap 1.5 lac yearly adhik se adhik (maximum) deposit kar sakte hai isse jyada nahi. Sukanya Samriddhi Account mai aap jinta jyada amount jama (deposit) karenge utna jyada aapko benefit milega.

5. Lock-in Period

Jaise he aapki beti ki age 18 years ki ho jayegi to aap 50% paise (amount) nikal sakte hai. Aur jaise he aapki beti ki age 21 years ki ho jayegi aap apna pura paisa nikal sakte hai.

Yadi aapki beti ki Shadi (marriage) 21 years ke pahle ho jaati hai to aapka Account Mature ho jayega aur aap apna pura paisa (money) nikal sakte hai.

6. Girl Baby will get Maturity Amount

Sukanya Samriddhi Account ka paisa aapki beti ko he milega.

7. Sukanya Samriddhi Account will get Active till 21 years.

Sukanya Samriddhi Account open hone ke 21 years tak he active rahega. Uske bad aapne jitna paisa deposit kiya hai Interest ke sath withdraw kar sakte hai.

FAQ – Frequently Asked Questions

Question 1: What are the Rules to Open Sukanya Samriddhi Account?

Answer: Yadi aapki beti ki age 10 years se kam hai to aap kisi bhi PUBLIC, PRIVATE yaa POST OFFICE mai jaake apni BETI ka SSY Account open karwa sakte hai.

Beti ke parents SSY Account ko Operate kar sakte hai.

Aap ek he ladki ke 2 (two) account open nahi kar sakte hai.

Aapko Ladki ka janm praman patra (Birth Certificate) aur Address Proof jama (submit) karna hoga.

Question 2: Minimum and Maximum Amount Deposit Amount?

Answer: SSY Account open karte waqt (time) aapko Rs. 1000 deposit karna hoga. Aur phir yearly aapko Rs. 1000 kam se kam (minimum) deposit karna hoga.

Jyada se jyada (maximum) aap Rs. 1.5 lac yearly deposit kar sakte hai.

Yadi aap yearly Rs. 1000 deposit nahi kar paye to aapko Rs. 50 penalty dena hoga aur aap apna SSY Account continue kar sakte hai.

Question 3: Passbook Facilities?

Answer: Yes, jaise he aapka SSY Account open ho jaayega aapko Passbook dee jayegi jisme Account Details hogi.

Sukanya Samriddhi Passbook mai deposit kiye gaye paise (money) ki information rakhi jayegi. Aur jab bhi aap Paise Deposit karne jayege to aapko apni Passbook sath le jana hoga.

Question 4: Is Sukanya Samriddhi Yojana Account Transfer to Other Bank?

Answer: Yes, Aap apna Sukanya Samriddhi Yojana Account kisi bhi bank yaa Post Office mai trasfer kar sakte hai iske liye aapko Rs. 100 fees deni hogi.

Question 5: When can you withdraw money from Sukanya Samriddhi Account?

Answer: Jaise he ladki ki age 18 years ki ho jayegi aap 50% money nikal sakte hai aur jaise he aapki beti ki age 21 years ki ho jayegi yaa aapki beti ki shadi ho jati hai to aap apna pura paisa, interest ke sath mai nikal (withdraw) kar sakte hai.

Question 6: When will Sukanya Samriddhi Account Mature?

Answer: Sukanya Samriddhi Account open hone ke 21 years bad yaa phir aapki beti ke Shadi ke bad, Account mature ho jayega uske bad aap apna pura money, interest ke sath mai inkal (withdraw) kar sakte hai.

Article Source:- How to Open Account in Sukanya Samriddhi Yojana in Hindi

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