Sukanya Samriddhi Yojana: Modi government at the center (Modi government) is launching various schemes for each component of the country. The government is running many schemes for the education of the girl child from birth to marriage. The objective of these schemes is to give full opportunity to girls for education and development and to make them self-reliant. In this article, we are going to tell you about an ambitious scheme of the Modi government. This is a small savings scheme, in which you can invest and create a lump sum fund for your daughter. Sukanya Samriddhi Yojana (Sukanya Samriddhi Yojana) is the name of the scheme. This scheme has been started to build the future of girls in the country. If you want to get rid of the stress of girls’ education and marriage expenses in future, then you can invest in this scheme. Let us know about Sukanya Samriddhi Yojana and how to invest in it.
You can start investing with just Rs.250
Under Sukanya Samriddhi Yojana, you can open an account for your daughter who is 10 years or less. You can open this account in any bank or post office. Under this scheme, you can invest between Rs 250 to 1.5 lakh per annum. After maturity, only the daughter can withdraw money from the account. Under this scheme, you can open an account for a maximum of two girls. If there are two twin girls for the second time, then Sukanya Samriddhi Yojana account can be opened for three girls.
How much interest will you get?
Talking about the interest earned on this scheme, you get an interest rate of 7.6 percent on an annual basis. If you invest a maximum of Rs 1.50 lakh in a year, then you will have to invest Rs 12,500 every month. If you invest in this scheme continuously for 14 years, then your total investment amount will be Rs 22.50 lakh. After this, when the girl turns 21, you will get a total of Rs 63.65 lakh, which is almost three times your investment. You will get a total interest benefit of Rs 41.15 lakh.
maturity period of the plan
The maturity period of this account is at the age of 21 years of the girl child, in which you have to invest for a maximum period of 14 years. Over the next seven years, the government continues to add interest to the total amount deposited. In such a situation, you can get triple benefit by investing in this scheme. Under this scheme, when the girl turns 18, you can withdraw 50 percent and at 21 you can withdraw the entire amount.
The central government is considering increasing interest rates
The central government reviews the small savings scheme every quarter. In such a situation, before the quarter ending September 2022, the Finance Ministry can announce an increase in the interest rates of these schemes. The interest rate in this small savings scheme can be increased from 0.50 percent to 0.75 percent. Currently the scheme is offering an interest rate of 7.6 per cent, which can be increased to 8.3 per cent.
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