Sukanya Samriddhi Yojana: The central government runs many schemes for the daughters of the country. To secure the future of daughters, many schemes are being run by the central government for the investment of parents and guardians. Along with this, the post office also has many such schemes. Investment in which gives a good return. Sukanya Samriddhi Yojana of the post office can prove to be a very good savings scheme for the future of daughters.
In this scheme, you are given an annual interest of 8.2 percent. If you invest well in this scheme, you can get a return of up to Rs 1 crore. How much do you have to invest to get a return of Rs 1 crore? What are the eligibility criteria for this scheme? Let us tell you.
You can open an account for two girls
Under Sukanya Samriddhi Yojana, you can open an account for your daughter and collect a good amount of funds for her future. You can open an account for your daughter below 10 years of age under the scheme. Accounts for two daughters can be opened under the scheme. The maturity period of the scheme is 21 years. In which you have to invest for 15 years.
Your account gets matured after 6 years. Along with this, you are also given interest for the remaining 6 years. In this scheme, you have to invest at least Rs. 250 in a year. Whereas you can deposit up to Rs. 1.5 lakh in a year.
In this way you can collect one crore
If you want to deposit Rs 1 crore under this scheme, then let us tell you the calculation of how much money you will have to invest in a year. So let us tell you that under the interest rate of 8.2 percent, if you deposit Rs 29,444 every month.
So you will collect one crore rupees within 15 years. In this, you will have to deposit Rs 52,99,920 in 15 years by investing Rs 29,444 every month. At the same time, you will get Rs 4,700,080 as interest. The total will be Rs 10,00,00,00.
The scheme is completely tax free
Sukanya Samriddhi Yojana is a tax free scheme just like Public Provident Fund. You get tax exemption in three ways in this scheme. In this scheme, you get exemption of up to Rs 1.50 lakh on annual investment under section 80c of Income Tax. Along with this, there is no tax on the returns received in the scheme. And thirdly, when the maturity amount is received, it is also completely tax free.
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