Sukanya Samriddhi Yojana: A scheme is being run by the government for daughters, in which you can invest and after a few years you will get returns worth lakhs of rupees. The name of this scheme is Sukanya Samriddhi Yojana, in which an account can be opened for a girl child up to 10 years of age. This is a savings scheme, in which interest rate of 8.2 is being given. That means, the more number of years you deposit money, the more interest will be credited to your account. Now a question remains in the minds of people regarding the scheme that after how many years can they withdraw money from this account. Can money be withdrawn in case of emergency? Today we are clearing your confusion.
there is no risk
You can deposit a minimum of Rs 250 per year or a maximum of Rs 1.5 lakh in Sukanya Samriddhi Yojana. Every year you have to deposit money in this account by March. Because this is a government scheme, there is no risk…you get guaranteed returns. Only one Sukanya account can be opened for a girl. Whereas, Sukanya account can be opened for two daughters in the family.
When can you withdraw money?
Now coming to the question that for how many years money cannot be withdrawn from Sukanya account. Sukanya Yojana becomes mature only when the girl child completes 21 years of age. Now if you want to withdraw the money first, then you can withdraw partial amount after the daughter completes 18 years of age. You can withdraw 50 percent of the total deposited amount during this period. The remaining part is saved for daughter’s education and other things.
Many people will have this question in their mind whether any part can be withdrawn before the age of 18 years or not… No withdrawal can be made from the Sukanya Samriddhi Account before the age of 18 years. You will have to wait for your daughter to complete 18 years. Only after this you can withdraw money from this account. Crores of accounts have been opened under this scheme and people deposit a good amount of money in it every year. Because the interest in the scheme is quite good.
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