Introduction (परिचय)
The Sukanya Samriddhi Yojana (SSY) was launched by the Government of India under the Beti Bachao Beti Padhao initiative, aimed at providing a bright and financially secure future for the girl child. This scheme has proven to be one of the most effective tools for parents to ensure their daughters’ education and marriage expenses are taken care of.
सुकन्या समृद्धि योजना (SSY) भारत सरकार की एक पहल है, जो बेटियों के भविष्य को सुरक्षित और सशक्त बनाने के लिए शुरू की गई थी। यह योजना भारतीय परिवारों को अपनी बेटियों की शिक्षा और शादी के लिए वित्तीय सहायता प्रदान करती है।
This article will explore all the aspects of the Sukanya Samriddhi Yojana for the year 2025, including eligibility, benefits, features, process, and much more.
What is Sukanya Samriddhi Yojana? (सुकन्या समृद्धि योजना क्या है?)
Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme designed to secure the financial future of a girl child. Parents or legal guardians can open an account in the name of a girl child under the age of 10. The scheme offers attractive interest rates and tax benefits, making it an ideal option for long-term investment.
सुकन्या समृद्धि योजना एक सरकारी-backed बचत योजना है, जिसका उद्देश्य बेटी के भविष्य को सुरक्षित करना है। माता-पिता या कानूनी संरक्षक अपनी बेटी के नाम पर इस योजना के तहत खाता खोल सकते हैं, जब वह 10 साल से कम हो।
Key Features of Sukanya Samriddhi Yojana (सुकन्या समृद्धि योजना की प्रमुख विशेषताएँ)
- Eligibility Criteria (पात्रता मानदंड):
- The account can be opened for a girl child below the age of 10 years.
- A maximum of two accounts can be opened for two daughters.
- The account can be opened at any post office or authorized bank.
- Interest Rate (ब्याज दर):
- As of 2025, the interest rate on the Sukanya Samriddhi Yojana is 8.0% per annum, which is revised quarterly by the Government of India.
- Tax Benefits (कर लाभ):
- The contributions made to SSY qualify for tax deductions under Section 80C of the Income Tax Act.
- The maturity amount, including interest, is also tax-free under Section 10(11).
- Contribution Limits (योगदान की सीमा):
- A minimum deposit of ₹250 is required to open the account.
- A maximum of ₹1.5 lakh can be deposited annually.
- Maturity Period (परिपक्वता अवधि):
- The account matures after 21 years from the date of opening, or when the girl child gets married after turning 18 years.
- Withdrawal Rules (निकासी नियम):
- Partial withdrawal of up to 50% of the balance is allowed for the girl child’s higher education or marriage after she turns 18 years old.
- Full withdrawal is allowed after 21 years, or on the marriage of the girl after the age of 18.
How to Open Sukanya Samriddhi Yojana Account (सुकन्या समृद्धि योजना खाता कैसे खोलें)
- Visit a post office or bank offering SSY accounts.
- Fill in the account opening form.
- Submit the required documents:
- Birth certificate of the girl child.
- Proof of identity and address of the guardian.
- Photographs of the guardian and child.
Benefits of Sukanya Samriddhi Yojana (सुकन्या समृद्धि योजना के लाभ)
- Long-Term Financial Security (दीर्घकालिक वित्तीय सुरक्षा): The Sukanya Samriddhi Yojana is designed to create a secure corpus for your daughter’s education and marriage, providing a fixed interest rate that outperforms many other investment options.
- Government-Backed Security (सरकारी गारंटी सुरक्षा): Since it is backed by the Government of India, your money is safe and secure. There’s no risk of market fluctuations, unlike in equity investments.
- Tax Savings (कर बचत): Contributions are eligible for tax deduction under Section 80C, and the interest earned is also tax-free, making this a tax-efficient way to invest for the future.
- Attractive Interest Rate (आकर्षक ब्याज दर): The 8% interest rate is higher compared to most other fixed-income investment options, ensuring that your investments grow steadily over time.
- Partial Withdrawal (आंशिक निकासी): After the girl reaches the age of 18, the scheme allows partial withdrawals for educational or marriage purposes.
Interest Rate of Sukanya Samriddhi Yojana in 2025 (2025 में सुकन्या समृद्धि योजना की ब्याज दर)
In 2025, the interest rate for Sukanya Samriddhi Yojana stands at 8.0% per annum, compounded annually. This interest rate can be revised quarterly by the government based on prevailing market conditions.
2025 में सुकन्या समृद्धि योजना पर ब्याज दर 8.0% प्रति वर्ष है, जो वार्षिक रूप से संयोजित होती है। यह ब्याज दर सरकारी नीति के आधार पर हर तिमाही में संशोधित की जा सकती है।
Sukanya Samriddhi Yojana Tax Benefits (सुकन्या समृद्धि योजना के कर लाभ)
- Section 80C Deductions (धारा 80C में कटौती): Contributions to the Sukanya Samriddhi Yojana are eligible for tax deductions up to ₹1.5 lakh under Section 80C.
- Tax-Free Maturity Amount (कर मुक्त परिपक्वता राशि): The amount received on maturity, including the interest, is exempt from tax.
सुकन्या समृद्धि योजना में योगदान 80C के तहत ₹1.5 लाख तक कर कटौती के लिए पात्र होते हैं, और परिपक्वता पर मिलने वाली राशि और ब्याज पर कर नहीं लगता है।
Sukanya Samriddhi Yojana Withdrawal Rules (सुकन्या समृद्धि योजना निकासी नियम)
- Partial Withdrawal (आंशिक निकासी): After the girl turns 18, partial withdrawals up to 50% are allowed for her higher education or marriage.
- Full Withdrawal (पूर्ण निकासी): The account can be fully withdrawn after 21 years or on the girl’s marriage after 18 years.
Eligibility Criteria for Sukanya Samriddhi Yojana (सुकन्या समृद्धि योजना की पात्रता)
- The scheme is applicable only for the girl child.
- The girl must be under the age of 10 years at the time of account opening.
- Only two accounts can be opened for two daughters, with the option of opening a third account for twins or triplets.
सुकन्या समृद्धि योजना केवल लड़की के लिए है, और खाता खोलने के समय लड़की की उम्र 10 वर्ष से कम होनी चाहिए।
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FAQ (सामान्य प्रश्न)
Q1: Can I open an SSY account for my daughter if she is over 10 years old?
No, the Sukanya Samriddhi Yojana is only available for girls under 10 years of age.
Q2: What is the maximum amount I can invest in SSY annually?
You can invest a maximum of ₹1.5 lakh annually in the Sukanya Samriddhi Yojana.
Q3: Is the interest on the SSY account taxable?
No, the interest earned on the Sukanya Samriddhi Yojana account is completely tax-free.
Q4: Can I withdraw from the account before it matures?
Partial withdrawals are allowed after the girl turns 18, for her education or marriage.
Conclusion (निष्कर्ष)
The Sukanya Samriddhi Yojana 2025 is an excellent initiative by the Government of India to ensure a secure financial future for every girl child. The scheme’s high-interest rate, tax benefits, and government-backed security make it one of the best options for parents to invest in their daughter’s future. By opening an SSY account, you not only secure your daughter’s education and marriage but also provide her with financial independence.
सुकन्या समृद्धि योजना 2025 हर बेटी के सुरक्षित भविष्य के लिए एक बेहतरीन योजना है। इसकी उच्च ब्याज दर, कर लाभ और सरकारी सुरक्षा इसे माता-पिता के लिए एक आदर्श निवेश विकल्प बनाती है। इस योजना के माध्यम से आप अपनी बेटी के भविष्य को सुरक्षित कर सकते हैं।