Sukanya Samriddhi Yojana in Gujarati | સુકન્યા સમૃદ્ધિ યોજના 2023 ।
Sukanya Samriddhi Yojana Gujarati 2023 । sukanya samriddhi yojana pdf in gujarati | sukanya samriddhi yojana form 2023 | સુકન્યા સમૃદ્ધિ યોજના કેલ્ક્યુલેટર | sukanya samriddhi yojana gujarati pdf | સુકન્યા સમૃદ્ધિ યોજના 2023 ફોર્મ ડાઉનલોડ
The Central Government has started Sukanya Samridhi Yojana to support the Save Beti Abhiyan. Which will prove to be the same gift for the daughters. In this scheme, to reduce the burden of marriage and bride's education on the parents, about 5 families of Surat have opened accounts in the Sukanya Samriddhi Yojana of the government. Along with this, other families with daughters are also being made aware of the benefits of this scheme.
Sukanya Samriddhi Yojana is being welcomed by the people. This scheme launched in post offices across India on 25th February is likely to prove to be very useful in brightening the future of the bride. Under this scheme, enthusiasm is being seen among the people to open an account and get information about the scheme in the post offices of Surat city. So far about 75 accounts have been opened under this scheme only in Nanpura post office of Surat city.
Sukanya Samriddhi Yojana also provides tax exemption. Daughter is the Lakshmi of the house. is powerful. The government is with you at every step so that you can be free from the worries of your daughter's education and her marriage. The government has started Sukanya Samriddhi Yojana to overcome the financial problems of the daughter. The Beti Bachao-Beti Padhao campaign launched the Sukanya Samridhi Yojana in January 2015 to help the country's daughters become self-reliant and uplifted. It has now secured the future of every girl child of the country. Account is opened for daughters under Sukanya Samriddhi Yojana. It is very easy to open this account. Usually PPF account is opened, where you can open an account in the name of the daughter in the bank or post office. This scheme has been made for the bright and secure future of girls. This will ensure that they complete their education and arrange for marriage expenses at the age of 18. This scheme has been implemented to provide financial security to the girls and their parents. In which higher interest rate has been arranged for less investment. In just 15 months, 76 lakh Sukanya accounts have been opened in the country and Rs 2800 crore has been deposited in them.
What is the specialty?
You can deposit a minimum of Rs 50 and a maximum of Rs 1.5 lakh per year.
The deposit earns interest at the rate of 7.5% per annum.
According to the new rule, 100% amount can be withdrawn on the marriage of the daughter.
Deposits are tax deductible under 80-C.
Not interested after daughter turns 21.
How to open account?
You go to your nearest post office and fill the form of Sukanya Samriddhi Yojana. Apart from this, you can also download this form from the internet or India Post website. Fill the form with the daughter's photograph and submit it to the post office. Maybe some interim post office officials will tell you that there is no such plan. So wait a minute, let this plan come to an end.
Fill the form and sign properly. ,
Attach a photocopy of your ID and proof of address. Also attach a copy of the birth certificate of the daughter.
Take two passport size photographs of yourself and your daughter.
You can also open Sukanya Samriddhi Yojana account in the bank. Download Form. (Know that you can open Sukanya Samriddhi Account in any bank)
Eligibility:
Eligibility to join Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana.
the important thing
With this plan you will get at least Rs. 250 and up to a maximum of Rs.1.5 lakh.
You can deposit money anytime of the year.
This scheme is similar to PPF scheme. Not only this, in this scheme more interest is available than PPF.
If you forget to deposit money in any year. So you have to pay a fine of Rs.
If you want to get your daughter married at the age of 18, then you can withdraw money under the pre-mature facility.
If you have two daughters then you can open two accounts. But if there are more than two girls, then you can open a maximum of 2 accounts. There is also an online facility to deposit money.
You cannot take any loan on this plan.
Parents or guardians can open account for bride in post office under "Sukanya Samriddhi Yojana". The account of a bride born on or after 2-12-2003 can be opened in this scheme. And parents can open the account as guardian. In the case of an orphan girl, a court-appointed guardian can open the account. Under this scheme, an account can be opened for a maximum of two girls of a family. And after opening the account a minimum of Rs.
Sukanya Samriddhi Yojana Gujarati 2022 । sukanya samriddhi yojana pdf in gujarati | sukanya samriddhi yojana form 2022 | સુકન્યા સમૃદ્ધિ યોજના કેલ્ક્યુલેટર | sukanya samriddhi yojana gujarati pdf | સુકન્યા સમૃદ્ધિ યોજના 2022 ફોર્મ ડાઉનલોડ
Various saving schemes are run by the government to make the future of daughters bright and secure. These savings schemes offer income tax exemption and high interest rates. So that people can be encouraged to invest in these schemes and the future of daughters can be secured.
Today we are going to give you information related to one such scheme started by the Central Government. Whose name is Sukanya Samriddhi Yojana.
Through this scheme the beneficiary can invest one unit amount for the education or marriage of the daughter. In this article you will get all the important information related to Sukanya Samriddhi Yojana. Also, by reading this article, you will be able to get information regarding eligibility, important documents and application.
Information about Sukanya Samriddhi Yojana
। Information about Sukanya Samriddhi Yojana Gujarati 2022
Sukanya Samriddhi Yojana 2022 has been launched by the Government of India. This is a savings plan. To get benefits under this scheme, the account has to be opened before the daughter reaches the age of 10 years. The minimum investment limit in this account is ₹250 and the maximum limit is ₹1.5 lakh. This investment can be made for the daughter's higher education or marriage.
Under the scheme, the government will give interest at the rate of 7.6% on investment. Apart from this, tax exemption will also be given on the investment made under this scheme. This scheme is a small savings scheme launched by the central government. This scheme has been started under the Save Betty Teach Betty scheme.
Under this scheme, the account can be opened in any authorized branch or commercial branch of the post office. Sukanya Samriddhi Account can be operated till the daughter attains the age of 21 years or till she gets married after the age of 18 years. For the higher education of the daughter, 50 percent amount can be withdrawn after the age of 18 years.
| યોજનાનું નામ | સુકન્યા સમૃદ્ધિ યોજના 2022 । Sukanya Samriddhi Yojana |
| પાત્રતા | પુત્રીની ઉંમર 10 વર્ષની થાય તે પહેલાં ખાતું ખોલાવવું પડશે |
| વ્યાજ | રોકાણ પર 7.6% ના દરે વ્યાજ , વ્યાજ દર ત્રિમાસિક ધોરણે સરકાર દ્વારા નક્કી કરવામાં આવે છે |
| ટેક્સ | ટેક્સમાં છૂટ |
| કેટલી દીકરીઓને લાભ શકે? | એક પરિવારની માત્ર બે દીકરીઓને જ લાભ મળી શકે છે જોડિયા દીકરીઓ હોય તો તેમને અલગથી આ યોજનાનો લાભ મળશે એટલે કે તે પરિવારની ત્રણ દીકરીઓ લાભ લઈ શકશે |
| ઉપાડ | જો છોકરી 18 વર્ષની થઈ ગઈ હોય, તો આ યોજનાના ખાતામાંથી માતા-પિતા ઉપાડી શકે છે. ઉપાડ ફક્ત 50% જ કરી શકાય છે |
| ડોક્યુમેન્ટ્સ / પુરાવા | ⚪ SSY ખાતું ખોલવાનું ફોર્મ ⚪ લાભાર્થીનું જન્મ પ્રમાણપત્ર ⚪ લાભાર્થીના વાલી અથવા માતાપિતાના સરનામાનો પુરાવો ⚪ લાભાર્થીના વાલી અથવા માતા-પિતાનો આઈડી પુરાવો. |
Money can be deposited through Sukanya Samriddhi Yojana 2022 digital account
Sukanya Samriddhi Yojana, run by the Indian Post Office, was started by the Government of India for the education and marriage of daughters. You have to go to the post office to make payment under this scheme. But now a digital account has been launched by the Indian Post Office. Through this digital account money will be deposited in Sukanya Samriddhi Yojana account.
Now digital savings account service has been started in the post office like other banks. With this digital account, account holders will no longer have to go to the post office to deposit money in the account. He can transfer money through his mobile.
You do not even need to go to the post office to open this digital account. This account can be opened sitting at home through Aadhar card and PAN card and money can be transferred in any post office scheme. This digital account is valid for 1 year.
IPPB app launched for transacting Sukanya Samriddhi Yojana 2022
The IPPB app has also been launched by the post office. This will make it easier for the customers to transact. Through this app, money can be transferred and deposited online in Sukanya Samriddhi Yojana as well as other post office schemes. Digital account can be opened sitting at home through this app. You must be 18 years old to open this digital account.
How many daughters can get benefit under Sukanya Samriddhi Yojana 2022?
Under Sukanya Samriddhi Yojana 2022, only two daughters of a family can avail. If there are more than 2 daughters in a family then only two daughters of that family can take advantage of this scheme. But if there are twin daughters in a family, then they will get the benefit of this scheme separately, that is, three daughters of that family will be able to take advantage of it.
The calculation of twin daughters will be same but they will be given different benefits. Under this scheme people who want to deposit money for their daughter's marriage and education can open their daughter's account. Let us tell you that under this scheme, girls below the age of 10 years can open an account. Sukanya Samriddhi Yojana has been launched by the government under the Beti Bachao, Beti Padhao scheme.
સુકન્યા સમૃદ્ધિ યોજના 2022 વ્યાજ દર | Sukanya Samriddhi Yojana Gujarati 2022 Intrest Rate
As you all know that Sukanya Samridhi Yojana was launched by Prime Minister Narendra Modi under the Beti Bachao Padhao campaign to secure the future of daughters. The investment made under this scheme can be used for the marriage and education of the girl child. Sukanya Samriddhi Account can be opened in Post Office and Bank. Under section 80C of the Income Tax Act, 1961, tax benefits up to Rs 1.5 lakh are given under this scheme.
The interest rate under this scheme was earlier fixed at 8.4%, which has now been reduced to 7.6%. In this case, no interest is paid after the completion of the scheme or if the girl child is an NRI or a non-citizen. The interest rates are determined by the government on a quarterly basis.
How to open Sukanya Samriddhi Yojana 2022 Account? , How to open Sukanya Samriddhi Yojana Account?
Fill the SSY Account Opening Form
Keep documents ready with photos
Pay the deposit amount (any amount between Rs 250 and Rs 1.5 lakh) You can give a permanent notice to the branch
Or you can set up automatic credit to SSY account through NetBanking.
Sukanya Samriddhi Yojana 2022 Loan | Sukanya Samriddhi Yojana Gujarati 2022 Loan
Loans can be availed under various PPF schemes run by the government. But loan cannot be availed under Sukanya Samriddhi Yojana like other PPF schemes. But if the girl child has turned 18, the parents can withdraw money from the scheme account.
This withdrawal can be done only up to 50%. Withdrawals made under Sukanya Samriddhi Yojana can be done for the betterment of the girl child. This amount can be used for bride's wedding, higher education etc.
Sukanya Samriddhi Yojana 2022 Account Transfer | SSY 2022 Bank Transfer
Under Sukanya Samriddhi Yojana 2022, the account can be transferred from one post office to another post office or from one bank to another. To transfer this account, you need to follow the below procedure.
First you have to go to the post office or bank with your updated passbook and KYC documents. It is not necessary for the girl to be present during the transfer.
After this you have to submit your Sukanya Samriddhi Account passbook and KYC document to your bank or post office and inform your bank and post office that you have to transfer your account.
The manager will then close your account at the old post office or bank and request a transfer. Apart from this, you will be asked for all the necessary documents.
Now you have to take this transfer request and go to the new post office or bank account and submit all these documents there.
You will also need to submit KYC documents for proof of identity and address.
Now you will be given a new passbook showing your balance.
After this you can operate Sukanya Samriddhi Yojana account from your new account.
Sukanya Samriddhi Yojana December Update | Sukanya Samriddhi Yojana Gujarati 2022 December Update
There are nine types of savings schemes run by India Post. Which is known as Post Office Savings Scheme. These 9 types of schemes are Post Office Savings Account, Post Office Time Deposit Account, Post Office Monthly Income Scheme, Public Provident Fund, Sukanya Samriddhi Yojana, National Savings Certificate, Post Office Time Deposit for 5 Years, Kisan Vikas Patra and Senior Citizen Savings. the plan includes.
The interest rates of all these savings schemes are revised by the government from time to time. Presently 7.6 percent interest rate is available under Sukanya Samriddhi Yojana.
Maximum two daughters of a family can take advantage of this scheme. Under this plan, when the child reaches the age of 21, he can get the maturity amount. Assuming that the interest rate under this scheme will be 7.6 per cent in future also, it will take 9.4 years to double the amount deposited under this scheme.
Sukanya Samriddhi Yojana Account Reopening Process
As you all know that Sukanya Samriddhi Yojana was launched by the Government of India under the Beti Bachao Beti Padhao scheme. Under this scheme, the account can be opened for the education and marriage of the daughter before the age of 10 years. This is a very popular scheme.
Under Sukanya Samriddhi Yojana, a minimum of ₹ 250 per annum and a maximum of ₹ 1.5 lakh can be deposited in the account. Beneficiaries are required to deposit ₹250 per year to maintain this account. If the beneficiary does not deposit ₹250 in any year then his account will be closed.
Can be activated after closing the account. For this, the beneficiary has to go to the bank or post office where his account is open. After this the beneficiary has to fill and submit the account revival form and pay the balance amount.
Suppose you haven't paid ₹250 for 2 years, then you have to pay ₹500 and pay a fine of ₹50 per year. Penalty for 2 years will be Rs. So if you have not paid the minimum amount in Sukanya Samriddhi Yojana account for 2 years, then you have to pay at least ₹600. Of these, ₹ 500 for a minimum amount of two years and ₹ 100 for a fine of two years.
Sukanya Samriddhi Yojana New Update
The economic activities of the Indian economy have been greatly affected by the corona virus in the country, after the RBI cut the repo rate, the government last month announced a cut in interest rates for small savings schemes including SSY.
Under the scheme, interest rates on post office recurring deposits (RDs) and fixed deposits for 1-3 years were reduced by 1.4 per cent, PPF and SSY by 0.8 per cent. This will reduce the maturity amount for your daughter. After the reduction in the interest rates under this Sukanya Samriddhi Yojana, the annual interest rate on the beneficiary's account has come down to 7.6 percent as compared to the previous 8.4 percent.
How much and for how long do you have to pay each year?
Under Sukanya Samriddhi Yojana, earlier there was a provision of Rs 1000 per month. Which has now been reduced to ₹ 250 per month. An investment of ₹ 250 to ₹ 150,000 can be made under this scheme. Under this scheme, it will be mandatory to invest for 14 years after opening a bank account.
Changes made in Sukanya Samriddhi Yojana
Under this scheme, five changes have been made by the government. Which is very important for you to know. We have listed these five changes below. Please read this information carefully.
Higher interest rates on defaulted accounts
Under Sukanya Samriddhi Yojana, if a person does not deposit at least 250 rupees in Sukanya Samriddhi Account in a year, then it is considered as a default account. According to the new rule notified by the government on 12 December 2019, now the same interest rate will be given on the amount deposited in such a defaulted account, which has been fixed under this scheme. This resulted in savings of 8.7% in Sukanya Samriddhi Yojana account and post office. The account will get 4% interest rate.
Change in rules for early account closure
Under the new rule, the account can be closed before the maturity period on the death of the child or on the basis of sympathy under the scheme. Empathy refers to the situation in which the account holder has to seek treatment for a fatal illness or the guardian dies. In this case, the bank account can be closed before maturity.
account operation
Under the scheme, under the new rules of the government, the child in whose name the account is held, will not be able to handle his account till the age of 18 years, as against the earlier age of 10 years. When the girl turns 18, her guardian will have to submit the documents related to the girl to the post office.
Opening account of more than two girls
Under the new rule under the scheme, if a person wants to submit additional documents to open an account of more than two daughters, then now you will have to give an affidavit along with the birth certificate of the daughter.
other changes
Apart from the above changes in the rules of Sukanya Samriddhi Yojana, some new provisions have been added, while some have been removed. It has not been clarified yet. As we get some information about it, we will let you know through our article.
Objective of Sukanya Samriddhi Yojana 2022
The objective of this scheme is to promote girls in the field of education and if they are eligible for marriage then there is no shortage of money. A bank account can be opened for a minimum of Rs.250. With this SSY 2022, girls of the country will be encouraged and they will be able to move forward. Through this scheme female feticide should be stopped.
SSY 2022 માં વ્યાજ દર | Sukanya Samriddhi Yojana Intrest Rate
SSY Scheme 2022
After opening the account under this scheme, this account can be operated when the girl turns 18 or 21 years old. Under SSY 2022, a person can withdraw 50% of the total deposit for her studies after her daughter attains the age of 18 years and after the daughter attains the age of 21 years, she can withdraw the entire amount deposited. Can be the beneficiary for marriage. The amount paid and the interest paid by the agency will also be included. This account will mature only after the daughter turns 21.
how to deposit money in sukanya samriddhi yojana account
The Sukanya Samriddhi Yojana 2022 account can be deposited in cash, by demand draft or through electronic transfer mode at a post office or bank that has a core banking system. Anyone can easily deposit money in their daughter's account.
Account can be opened under Sukanya Samriddhi Yojana till the age of
Under Sukanya Samriddhi Yojana, daughter's bank account can be opened from 0 years to 10 years. Under this scheme, a bank account cannot be opened if the daughter is more than 10 years of age. Account management will be with the parents or guardians of the daughter.
SSY Sukanya Samriddhi Yojana Maturity and Partial Withdrawal
Some people believe that Sukanya Samriddhi Account matures at the age of 21 but this is completely wrong. The age of the girl child has nothing to do with the maturity of the account. However, the account holder can withdraw the amount only after reaching the age of 18 years and the amount is used for higher studies and marriage. After that the account will be closed.
Premature closure of the account is permitted in case of death of the account holder on production of a death certificate issued by the competent authority. The balance is then credited to the guardian and the account is closed.
Under what circumstances Sukanya Samriddhi Account can be closed before maturity?
Sukanya Samriddhi Yojana account can be closed on the death of the account holder. In this case, it will be mandatory to show the death certificate of the account holder. After which the amount deposited in this account along with interest will be returned to the guardian of the daughter.
Apart from this, Sukanya Samriddhi Yojana can be closed for any reason even after 5 years of account opening. In this case, the interest rate will be given according to the savings bank account. 50% amount can also be withdrawn from the account for the education of the daughter. This can be done only when the daughter turns 18.
What will happen if you do not deposit under Sukanya Samriddhi Yojana?
If for any reason the account holder is unable to deposit the amount under Sukanya Samriddhi Yojana, then he will have to pay a fine of ₹ 50 per annum. And with this you have to pay the minimum amount every year. In case of non-payment of penalty, interest at the rate of 4% will be given on savings account in Sukanya Samriddhi Yojana account.
Tax benefits of PM Kanya Yojana
Sukanya Samriddhi Yojana deposits, interest amount and maturity amount are exempted from tax under Section 80C of the Income Tax Act, 1961. The government has waived off the contribution made under the scheme, up to ₹150,000 per year.
Sukanya Samriddhi Yojana Tax Benefits
As per the Income Tax Act, all investments made under this scheme are eligible for tax deduction benefits. A maximum tax deduction of Rs 1.5 lakh is admissible for SSY.
Under this, interest is earned, which is deposited in the account on an annual basis. There is no tax on this earned/accumulated interest. It allows maximizing the funds under the plan.
The girl's parents or legal guardian can claim tax exemption. Only one depositor is eligible for tax exemption under section 80C of the Income Tax Act.
sukanya samriddhi yojana calculator and pay more or less
Your maturity amount can be calculated with Sukanya Samriddhi calculator.
The calculator will provide the maturity amount using details like annual investment and interest rate specified by you.
If the minimum amount is not deposited by the depositor in any year, the account will be in default. The account can be reactivated by paying a fine of ₹50.
If the depositor has deposited more than the maximum amount, no interest will be payable on the excess amount.
Key facts of Sukanya Samriddhi Yojana 2022
As you all know that Sukanya Samriddhi Yojana has been started by the government to protect the future of daughters and for their education and marriage. Daughter's future can be secured by investing under this scheme. Some of the features of this scheme are as follows.
Under Sukanya Samriddhi Yojana, an account can be opened for a daughter below the age of 10 years.
The account can be opened in any post office or bank.
Under this scheme, an account can be opened for a maximum of two children of a family.
In special circumstances, an account can also be opened for three children of a family.
An account can be opened under this scheme for as little as ₹ 250.
Under Sukanya Samriddhi Yojana, minimum ₹250 and maximum ₹1.5 lakh can be invested in 1 financial year.
The interest rate of 7.6% has been fixed under this scheme.
Under this scheme, tax exemption is also available under section 80C of the Income Tax Act.
The returns received from this scheme are also tax free.
50% amount can also be withdrawn from Sukanya Samriddhi Yojana for higher education of daughter.
Sukanya Samriddhi Yojana 2021 is a small savings scheme of the central government for daughters.
Under this scheme, the beneficiary can open an account for his daughter in all these banks like Nationalized Bank, Post Office, SBI, ICICI, PNB, Axis Bank, HDFC etc.
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 Sind Bank (PSB)
Union Bank of India
UCO Bank
United Bank Of India
Vijay Bank
Banks authorized for Sukanya Samriddhi Yojana
There are total 28 banks authorized by Reserve Bank of India (RBI) to open Sukanya Samriddhi Yojana accounts. Users can open SSY account in any of the following banks and avail this scheme.
Sukanya Samriddhi Yojana Passbook
After opening the Sukanya Samriddhi account, a passbook is also given to the applicant. This passbook records the date of opening of the account, date of birth of the child, account number, name of the account holder, address and the amount deposited. While depositing money in this passbook account has to be deposited in the bank or post office while receiving the interest payment.
This passbook is also used while closing the account.
Benefits of PM Kanya Yojana 2022
The benefit of this scheme will be given to girls below the age of 10 years in the country.
Under Sukanya Samriddhi Yojana, the parents of the child can open a savings account for them. Until the girl turns 10 years old.
A maximum of Rs 1.5 lakh can be deposited under this scheme during the current financial year.
You can easily secure the future of your girls under PM Kanya Yojana 2021. It will help in your girl's education or marriage.
You can easily start this scheme in any bank or post office.
This scheme is beneficial for both the child and their parents/guardians as it helps both.
Under this scheme a parent or natural parent is allowed to open an account for only two girls.
The account holder can deposit money in the account from the date of opening of the account till the child completes fourteen years.
SSY 2022 Documents (Eligibility)
The child's age should be less than 10 years to open an account under this scheme.
Aadhar Card
baby and parent photo
girl's birth certificate
Proof of residence
Depositor (Parental or Legal Guardian) i.e. PAN Card, Ration Card, Driving License
સુકન્યા સમૃદ્ધિ યોજના ની ગુજરાતીમાં તમામ પ્રકારની માહિતી મેળવવા માટે અહીં ક્લિક કરો.