SSY योजना में बड़ा अपडेट! अब सीधे बैंक अकाउंट में आएंगे ₹12,000, ऐसे करें ऑनलाइन आवेदन Govt SSY Yojana Registration Online

The Sukanya Samriddhi Yojana (SSY) is a pivotal savings scheme introduced by the Government of India, aiming to secure the financial future of girl children. Launched on January 22, 2015, as part of the ‘Beti Bachao, Beti Padhao’ campaign, this scheme encourages parents to invest in their daughters’ education and marriage expenses.

Overview of Sukanya Samriddhi Yojana

SSY offers a structured savings plan with attractive interest rates and tax benefits. Below is a concise overview of the scheme:

Key Benefits of Sukanya Samriddhi Yojana

1. High-Interest Rate: SSY offers an interest rate of 8.2% per annum, which is comparatively higher than many other savings schemes.
2. Tax Exemptions: Investments made under SSY qualify for tax deductions under Section 80C of the Income Tax Act. Additionally, the interest earned and the maturity amount are tax-free.
3. Long-Term Investment: The scheme promotes long-term savings, ensuring substantial funds are available for the girl’s higher education or marriage.
4. Partial Withdrawal Facility: Upon reaching 18 years of age, up to 50% of the accumulated amount can be withdrawn to meet educational expenses.
5. Secure and Guaranteed Returns: Being a government-backed scheme, SSY provides assured returns, making it a safe investment avenue.

Eligibility Criteria

• Residency: The account can be opened only for a girl child who is a resident Indian citizen at the time of account opening and remains so until the account matures.
• Age Limit: The girl child must be below 10 years of age at the time of account opening.
• Number of Accounts: A family is allowed to open a maximum of two SSY accounts for two girl children. In the case of twins or triplets, exceptions are provided.

How to Open a Sukanya Samriddhi Yojana Account

Opening an SSY account is a straightforward process and can be done through authorized banks or post offices.

Offline Procedure:

1. Visit the Branch: Approach the nearest authorized bank branch or post office.
2. Collect and Fill Application Form: Obtain the SSY account opening form and duly fill in the required details.
3. Submit Necessary Documents: Provide the following documents along with the application form:
   • Birth Certificate: Proof of birth of the girl child.
   • Identity Proof: Aadhaar card, PAN card, or any other valid identity proof of the parent or guardian.
   • Address Proof: Utility bills, passport, or any other valid address proof of the parent or guardian.
4. Initial Deposit: Make a minimum deposit of ₹250. The deposit can go up to ₹1.5 lakh in a financial year.
5. Verification and Account Opening: Upon successful verification of the documents, the SSY account will be opened, and a passbook will be issued.

Online Procedure:

Some authorized banks offer the facility to open an SSY account online through their net banking portals.

1. Log in to Net Banking: Access your net banking account using your credentials.
2. Navigate to SSY Account Opening Section: Find the option to open a Sukanya Samriddhi Yojana account under the ‘Fixed Deposit’ or ‘Government Schemes’ section.
3. Fill in the Details: Provide the necessary information about the girl child and the guardian.
4. Upload Documents: Upload scanned copies of the required documents, such as the birth certificate of the girl child and identity and address proofs of the guardian.
5. Make Initial Deposit: Transfer the initial deposit amount online.
6. Confirmation: After successful processing, a confirmation message and an electronic passbook will be provided.

*Note: The availability of online account opening may vary between banks. It’s advisable to check with your bank for this facility.

Deposit Details and Maturity

• Deposit Tenure: Deposits can be made for 15 years from the date of account opening.
• Maturity: The account matures 21 years from the date of opening or upon the marriage of the girl child after attaining 18 years of age, whichever is earlier.
• Penalty for Non-Deposit: A minimum deposit of ₹250 is required annually. Failure to deposit the minimum amount will result in the account being classified as a ‘Default Account,’ which can be regularized by paying a penalty of ₹50 per year along with the minimum deposit amount.

Premature Closure and Withdrawal Rules

• Premature Closure: The account can be prematurely closed under specific circumstances, such as the untimely demise of the account holder, or if the account holder becomes a non-resident or non-citizen of India.
• Partial Withdrawal: Once the girl child attains 18 years of age, up to 50% of the accumulated amount can be withdrawn for educational purposes.