Sukanya Samriddhi Yojana Online, Sukanya Samriddhi Scheme @Sukanya Samriddhi Yojana 2020
Sukanya Samriddhi Yojana was launched by the Prime Minister of our country, Shri Narendra Modi ji on 22 January 2015 under Beti Bachao Beti Padhao. Under this scheme, savings account is opened for daughters of the country. This scheme is called Sukanya Samriddhi Yojana Online Account It is also said. Under this scheme, the account of girls below the age of 10 years can be opened in the post office, national bank, other agency. Today i will all the information related to Sukanya Samriddhi Yojana Online like application process, documents, eligibility etc. share with you.
Sukanya Samriddhi Yojana 2020
Individuals of our nation who need to open a record to store cash for their little girl's studies and marriage, can open a bank account in post office, other agency for minimum Rs 250 and maximum 1. 5 rupees can be deposited. You can secure your daughter's future. In the initial phase of this Sukanya Samriddhi Yojana, a 9.1% differential annual rate was offered but now offers daughters an 8.6% interest rate on savings amount. Sukanya Samriddhi Yojana 2020 is a good scheme for those people of the country whose income is very less.
Changes made in Sukanya Samriddhi Yojana
Five changes have been made by the government under this scheme. Which you need to know about. We have given below about these five changes. You should read this information carefully.
High interest rate on default account
Under Sukanya Samridhi Yojana, if a person does not deposit a minimum amount of Rs 250 in a year in Sukanya Samriddhi account, then it is considered as a default account. According to the new rule notified by the India government now the interest rate will be given on the amount deposited in such default account as fixed under this Sukanya Samriddhi Yojana. Also 8.7% post office savings on Sukanya Samriddhi Yojana account An interest rate of 4% will be available on the account.
Change in rules for closing premature account
According to this new rule, the account can be closed before the maturity period on the basis of the death or sympathy of the girl under this scheme. Sympathy refers to the situation in which the account holder has to undergo treatment for a fatal illness or death of the guardian. In that case the bank can close the account before the maturity period.
Account handling
Under this scheme, according to the new rules of the government, the girl in whose name the account is, she cannot take control of her account till she turns 18, whereas earlier it was 10 years old. At the point when the youngster turns 18, the guardian should submit reports identified with the kid to the post office
Opening account of more than two girls
According to the new rule under this scheme, if a person has to submit additional documents to open an account of more than two daughters, now you are also required to submit an affidavit along with the daughter's birth certificate.
Other Changes
In addition to the above changes in the rules of Sukanya Samridhi Yojana, some new provisions have been added, while some have been removed. It has not been clarified about them yet. As soon as we get some information about it, we will let you know through our article.
Objective of Sukanya Samriddhi Yojana Online
The aim of Sukanya Samriddhi Yojana 2020 is to advance girls in the field of education and to not let the lack of money on getting married. And your daughter's account can be opened in the bank for a minimum of Rs 250. With this SSY 2020, the girls of the country will be encouraged and will be able to move forward.
Benefits of Sukanya Scheme 2020
- The benefit of this scheme will be provided to girls below 10 years of age.
- Under Sukanya Samriddhi Yojana, guardians of girls can open savings accounts for them. Until that girl turns 10.
- Under this scheme, a maximum of Rs 1.5 lakh can be deposited during the current financial year.
- Under PM Kanya Yojana 2020, you can easily secure the future of your girls.
- This will help in your girl's education or marriage.
- You can easily start this scheme in any bank or post office.
- This scheme is beneficial for both the girl and her parents / guardians as it helps both.
- A parent or natural parent is allowed to open an account under this scheme for only two girls.
- The depositor can deposit money in the account on the girl's behalf till the completion of fourteen years from the date of opening the account.
Sukanya Samriddhi Yojana 2020
After the account is opened under this scheme, this account can be run till the girl is 18 years old or married after the age of 21 years. Under SSY 2020, a person is eligible to study after his or her daughter turns 18. 50% of the total deposit can be withdrawn and after the daughter turns 21, she can withdraw the entire deposit for the wedding, including the amount deposited by the beneficiary and paid by the agency. The money will also be included. This account will mature only when the daughter is 21 years old.
Depositor can open and operate only one account on the behalf of the girl. Guardians or natural parents are allowed to open account under this scheme only for two girls. However, on case of twin girls, they can open a third account as the second birth or in the condition if the first birth is itself a triplet. They have to provide relevant certificate in both the situations to open the account.
Deposit
Sukanya Samriddhi Yojana Online account is opened with an underlying parity of Rs.1000/. From that point forward, investors can store any sum subject to the condition that contributor must store at least Rs.250/ - and the most extreme sum ought not surpass one lakh fifty thousand out of a solitary event or various event in a money related year.
Sukanaya Samriddhi Yojana Mode of deposit
Deposit in account can be made through-- Cash
- Cheque or demand draft drawn in favor concerned bank manager or postmaster.
Sukanaya Samriddhi Yojana Interest
The interest rates are notified by the government and are decided on quarterly basis. It is compounded on an annual basis and is credited to the account till it completes fourteen years from the date of opening of account. The current interest rate is 8.5%.
Account holder can also opt for monthly interest. In this case, the same shall be calculated only on the amount in the account on completed thousand and the remaining balance or amount will continue to earn interest as per the prevailing rates.
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PM Sukanaya Samriddhi Yojana Documents Required
- To open an account under this scheme, the girl's age should be less than 10 years.
- Aadhar Card
- Baby and parents photo
- Girl Birth Certificate
- Residence proof
- Depositor (parent or legal guardian) ie PAN card, ration card, driving license
Sukanya Samriddhi Yojana 2020 Account Opening Application Form
- Interested beneficiaries who want to apply for opening a savings account under this Sukanya Samriddhi Yojana, they must first download the Sukanya Samriddhi Yojana Account Opening Form.
- After this, the application form will have to be filled with all the necessary information. After filling all the information, all the necessary documents will have to be attached to the form.
- Then the application form and documents have to be submitted along with the amount in the desired bank and post office
Authorized Banks for Sukanya Samriddhi Yojana Online
There are 28 banks authorized by Reserve Bank of Indian (RBI) to open Sukanya Samriddhi Yojana Online accounts. Users can open SSY account in any of the following banks-
- Allahabad Bank
- State Bank of India
- Axis Bank
- Andhra Bank
- Bank of Maharashtra
- Bank of India
- Corporation Bank
- Central Bank of India
- Canara Bank
- Dena Bank
- Bank of Baroda
- State Bank of Patiala
- State Bank of Mysore
- Indian Overseas Bank
- Indian Bank
- Punjab National Bank
- IDBI Bank
- ICICI Bank
- Syndicate Bank
- State Bank of Bikaner & Jaipur
- State Bank of Travancore
- Oriental Bank of Commerce
- State Bank of Hyderabad
- Punjab & Sind Bank
- Union Bank of India
- UCO Bank
- United Bank of India
- Vijaya Bank
Sukanya Samriddhi Yojana online is one of the best ways to make and secure the future of the girl child.
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