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Sukanya Samriddhi: Government has made changes, if you want to be profitable then know what has changed before investing.


To protect the future of daughters, the Central Government had started a scheme a few years ago named Sukanya Samriddhi Yojana. Under this scheme, the government is providing financial assistance from the birth of the daughter till her education and marriage. For this they are given financial assistance up to Rs 15 lakh. But recently some changes have been made in this scheme by the government, we are giving you information about it in this article.

Information about Sukanya Samriddhi Yojana

NameSukanya Samriddhi Yojana
who startedthe central government
when did you startin the year 2014
beneficiarydaughters of the country
BenefitFinancial assistance of Rs 15 lakh
InvestmentMinimum Rs 250, Maximum Rs 1.50 lakh
Applicationonline and offline
helpline number18002666868

How much money is available in Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana is a scheme being run across the country in which the government has taken the responsibility to ensure the future of the daughters. Yes, the government is providing an assistance of Rs 15 lakh to remove the worries about the daughter's future. Which is used for daughter's education and even marriage.

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how much to invest

However, to avail the benefits of Sukanya Samriddhi Yojana, the parents of the beneficiary also have to make some investment. Yes, the parents of the beneficiary have to open a Sukanya Samriddhi account in the bank in the name of their daughter. And in that every year Rs 250 have to be deposited.

How long do you have to invest?

Now you must be wondering for how long this investment has to be made. So let us tell you that they have to make this investment till the daughter turns 15 years old. This is a total investment of Rs 1.50 lakh. After this, this account remains active for 6 years. And then when the daughter turns 21 then this account becomes mature.

Let us tell you that there is no risk of any kind in investing in this scheme because this investment is tax free. And currently this scheme is giving a return of 7.6%.

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5 changes made in Sukanya Samriddhi Yojana

  • Talking about the changes made in Sukanya Samriddhi Yojana, let us tell you that the government had decided to give the benefit of this scheme to two daughters of a family. However, if there are twin daughters for the second time, then the account could be opened for the third daughter also but its benefit was not being given under Section 80C of Income Tax. But now this restriction has been removed, that means now the third daughter will also get tax benefit.
  • In this scheme, the daughter's account was operated after the daughter completed 10 years, but now the government has made a rule not to operate the account before 18 years.
  • There is a minimum of Rs 250 and a maximum of Rs 1.50 lakh to be deposited every year in Sukanya Samriddhi Yojana. If the guardian of the beneficiary does not deposit the minimum amount for any reason, then his account was earlier declared a defaulter. But this will not happen now. You can deposit this money anytime in a month and there will be no change in the interest rate.
  • The second change made in this scheme is that if the interest has been wrongly deposited in the account of a beneficiary daughter, then there is no need to return it. The amount of annual interest in the account. He is credited at the end of the financial year.
  • The last change that has been made is that earlier in this scheme, the beneficiary's account was closed pre-mature only in 2 cases. Firstly, the daughter must have died prematurely, and secondly, the daughter must have got married abroad. But now the daughter's account can be closed due to some other reasons also. For example, if the daughter suffers from any dangerous disease or even if the daughter's parents die, this account can be closed prematurely.

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So these were some of the changes made by the government in this scheme, if you are a beneficiary of this scheme, then it is very important for you to know it.

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Note: Please Check all the Relevant Deatails Regarding this Scheme on the Official Website of this Scheme.

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