Big news related to Sukanya Samriddhi Yojana, know this to open an account or deposit money
Sukanya Samriddhi Yojna: After saving under Sukanya Samriddhi Yojana, the future of daughters can be secured financially. The money deposited under this scheme can also be found through online.
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To make the future of the girl child financially secure, the central government runs the Sukanya Samriddhi Yojana. The interest on this scheme is higher than all the existing savings schemes. The government started this scheme so that when the daughters grow up, there is no problem for their expenses from higher education to marriage. Apart from the highest interest on this scheme, the benefit of tax free SSY is also available. Sukanya Samriddhi Yojana (SSY) has been designed in such a way that even a small amount invested every month can generate huge capital till the girl child turns 21.
Sukanya Samriddhi Yojana account can be opened in post office (SSY account in Post Office) apart from banks also. At present, interest on this scheme is available at the rate of 7.60 per cent per annum. The country's largest government bank i.e. State Bank of India (SBI SSY account) has given an important information about this scheme, which everyone should know about. We will tell you about this, but before that let us know other things about Sukanya Samriddhi Yojana.
No tax is to be paid on savings for daughter
The amount and interest received on the maturity of Sukanya Samriddhi Yojana are fully exempted from tax. This exemption on this scheme is available under section 80C of the Income Tax Act, 1961. The government is giving interest at the rate of 7.60 percent on this scheme.
The central government revises the interest rates of small savings schemes every quarter. In such a situation, there is a possibility that the interest rate available under this scheme also changes every three months.
What is the saving limit in this scheme?
Sukanya Samriddhi Yojana account can be opened for a maximum of two girl children below the age of 10 years. Parents or any legal guardian can open an account under this scheme for a maximum of 2 girl children. After the child completes 18 years, the account holder gets the facility to withdraw the entire amount deposited under this scheme.
Apart from this, even if the girl child has become 18 years old or has passed the 10th examination, then there is an exemption to withdraw some part of the total deposit amount. Under this scheme, a minimum of Rs 1,000 and a maximum of Rs 1.5 lakh can be deposited in a financial year.
Aadhar card is not mandatory for Sukanya Samriddhi Yojana account
Recently, when a person asked SBI through Twitter whether Aadhaar card is mandatory for opening Sukanya Samriddhi Yojana account? The country's largest bank responded to this person and also gave information about this. The bank said that Aadhar card is not mandatory for opening Sukanya Samriddhi Yojana account.
Explain that to open an SSY account, the child's parents or legal guardian have to give their address proof and ID proof. Apart from this, the birth certificate of the daughter is also mandatory.
Facility to transfer money online in SSY account
You can visit your nearest post office or bank to open Sukanya Samriddhi Yojana account for your daughter. For this, a form has to be filled and necessary documents have to be submitted. The facility to open SSY account online is not available but online medium can be used for standing instruction.
For this, information will have to be given in advance in the bank or post office. After this, money can be deposited in the SSY account through automatic credit or online transfer through netbanking under this scheme while sitting at home.
How to check Sukanya Samriddhi account balance sitting at home?
1.For this, first you have to apply to the bank, from where you will be given a login ID and password. However, this facility is available in only a few banks.
2. With the help of the information provided by the bank for login, you will login to the internet banking portal of the bank.
3. After login, go to the home page, from where you can check balance. Balance information is also given on the dashboard of the account.
4 .You have to keep in mind that only balance checking facility will be available through this process. You cannot do transactions through this portal.
