SBI customers make daughter “Lakhpati” by spending only Rs 250, open Sukanya account like this sitting at home

Photo:FILE Sukanya Account

If you are also the father of a daughter, then this news is for your benefit. You can educate your daughter and make her future bright with your small effort. Prime Minister Narendra Modi started the Sukanya Samridhi Yojana in his first term. This scheme is for those parents who have daughters in their house. Under this scheme, you can open a Sukanya Samriddhi account in any bank like Post Office or SBI. This is a very attractive scheme. The scheme has proved to be quite popular since its launch. The government also reviews the interest received on it from time to time.

Daughters up to 10 years can join

The special feature of this scheme is that any person who has a daughter younger than 10 years, can make the future of the daughter bright by investing just Rs 250. The thing to note here is that in this you can register only a maximum of 2 daughters.

Where does Sukanya account open?

You can open Sukanya account by giving birth certificate of daughter by visiting any government bank or post office including State Bank of India ie SBI. Along with this, the guardian will have to submit his photo, address and identity proof. By investing in this scheme of the government, you get the benefit of tax saving along with better returns.

How to open Sukanya account in SBI

The method of opening Sukanya account in State Bank is very straightforward. For this, you need to visit the nearest SBI branch, where the bank officials can further assist you. All you have to do is fill the application form for Sukanya Yojana with documents and minimum deposit amount of Rs.250. Your account will be opened successfully once the documents are authenticated. Even if you do not have an existing account with SBI, you can open an SSY account if you are the legal guardian of a girl child as well as fulfilling other eligibility requirements. In the name of the girl child, the person opening the SBI SSY account should be either the legal guardian or the parents of the girl child. The individual should be the depositor and thus manage the account till the girl child reaches the age of 10 years.

Know balance online like this

How much money have you deposited in Sukanya account till now and how much have you got till now. You can find this information online. For this, you will have to get the password of online banking from your bank or post office. If you are already availing this facility then you can easily check your savings status.

Open Sukanya account in Rs.250

You can open a Sukanya account through any post office and bank across the country. The special thing is that in this you can open an account with a minimum amount of Rs 250. He will have to give his birth certificate by going to the bank or post office. Along with this, the guardian will have to submit his photo, address and identity proof. You can also deposit more money if you want. The maximum investment limit under this scheme is Rs 1.5 lakh. Here you have to invest for 21 years.

Only one account in the name of a girl child

Only one account can be opened in the name of a girl child. A parent can open an account in the name of not more than 2 daughters. If twins or triplets are born together, then the third girl child will also get the benefit.

How long will you have to invest

This account can be opened till the girl child turns 10 years old. The amount has to be deposited in the account for the first 14 years. This plan matures after 21 years. That is, you can withdraw money only after 21 years. However, if the daughter gets married after the age of 18, then the money can be withdrawn. Apart from this, after the age of 18, you can withdraw up to 50 percent of the money for the education of the daughter.

necessary documents

To open an account under Sukanya Samriddhi Yojana, the applicant will also have to submit the birth certificate of his daughter in the post office or bank along with the form. Apart from this, the identity card (PAN card, ration card, driving license, passport) of the child and the parents and the proof of where they are living (passport, ration card, electricity bill, telephone bill, water bill) will have to be submitted.

tax exemption

Tax exemption can be availed under Section 80C of the Income Tax Act by investing in Sukanya Samriddhi Yojana. The amount received on maturity is not taxed. In comparison to all other schemes, the interest is higher in this. You can save for the girl child’s higher education and marriage.

Some Terms and Conditions of Sukanya Samriddhi Yojana:

  1. The account matures on completion of 21 years from the date of opening of the account but the condition is that if the daughter gets married before the completion of 21 years of the account, then the account has to be closed there. further operation is not permitted
  2. Earlier only two daughters account could be opened but now you can open three accounts also. For that, you will have to give an affidavit along with the birth certificate.
  3. Now third account in the name of daughter can be opened in case of twin girl child birth as second birth or if three girl child is born in first birth itself.
  4. If Rs 250 is not deposited in the account annually, then it will be considered as a default account but under the scheme, the interest rate in that account will continue to accrue on the existing deposit amount.
  5. SSY account will not be allowed to be handled till the daughter turns 18 (earlier age limit was 10 years)
  6. 100 percent security guarantee from the government
  7. Even after maturity, the deposit amount will continue to earn the same interest amount till the account is closed

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