Sukanya Samriddhi Yojana: The Government of India runs many schemes which benefit the citizens of the country. The government has also started Sukanya Samriddhi Yojana under the Beti Bachao Beti Padhao scheme. The aim of this scheme is to secure the future of daughters. They have to be given higher education. Along with this, savings have to be collected for their marriage.
In this scheme, parents or legal guardians of the daughter can open an account and deposit a good amount of money for her future. If you start investing in Sukanya Samriddhi Yojana for your daughter, then you can deposit only ₹ 500. Even then, you can collect lakhs of rupees by the time she gets married. Let us tell you how to invest in the scheme.
You will accumulate lakhs on investing Rs 5000
Under Sukanya Samriddhi Yojana, any parent or guardian can open an account for two of their daughters. If two daughters are twins, then accounts for three daughters can be opened. An account for a daughter below 10 years of age can be opened under this scheme. Under this scheme, if you open an account for a daughter and deposit ₹500 every month in the account, you can collect around 3 lakh rupees in 15 years. The current interest rate in the scheme is 8.02%.
If you deposit Rs 500 every month, then you will deposit Rs 6000 in a year. That means in 15 years you will have deposited Rs 90000. On these Rs 90,000, at an interest rate of 8.2%, you will get an interest of Rs 1,97,000 in 15 years. If you add the interest amount and your deposit amount, then the total becomes Rs 2,87,000. That means if you open an account for your daughter at the age of 8 years, then after 15 years, if you marry her at the age of 23, then you will have lakhs of rupees.
How to open an account in Sukanya Scheme?
To open an account in Sukanya Yojana, you can go to your nearest post office or bank. Here you will have to take the form related to the scheme. Along with filling the necessary information in it, you will have to submit the daughter’s birth certificate, your identity card, address proof and your PAN card, after which you will have to fill the form and submit it to the officer. Along with opening the account, the information will be sent to your registered mobile number. You can invest a minimum of Rs 250 in the scheme. Whereas a maximum of Rs 1.5 lakh can be invested in a year.
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