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Sukanya Samriddhi Yojana 2025

Watch Kotak 811 Zero Balance Account Opening Video    • Kotak Mahindra Bank Open Account Zero Bala...   ------------------------------------------------------ Apply Kotak 811 Zero Balance Account ----------------------------------------------------------- About This Video : Sukanya Samriddhi Yojana is a government-backed savings scheme launched under the 'Beti Bachao, Beti Padhao' initiative, specifically designed to secure the financial future of a girl child in India. This scheme offers one of the highest interest rates among small savings schemes—currently at 8.2% per annum (as of 2025)—and provides tax benefits under Section 80C, making it both a safe and profitable investment. Parents or legal guardians can open a Sukanya Samriddhi Yojana account any time after the birth of a girl child until she turns 10 years old, and can invest up to ₹1.5 lakh per year. The account matures after 21 years from the date of opening or at the time of the girl's marriage (after she turns 18), whichever is earlier. The scheme allows partial withdrawals for educational purposes once the girl turns 18. With its triple tax exemption (EEE) status—meaning contributions, interest earned, and maturity amount are all tax-free—the Sukanya Samriddhi Yojana stands out as a smart financial planning tool for parents who wish to provide a secure, long-term future for their daughters. The Sukanya Samriddhi Yojana (SSY) scheme through post offices is one of the most accessible and trusted ways for Indian families to start saving for their daughters’ future. Operated under the umbrella of India Post, this scheme allows parents or legal guardians to open an SSY account at any post office branch across the country with minimal documentation. Opening the account at a post office is simple, transparent, and secure—making it especially popular in rural and semi-urban areas. The scheme offers a competitive interest rate (currently 8.2% per annum, compounded yearly), and the entire process—from depositing money to passbook updates—can be easily managed at the post office. You can start the account with a minimum deposit of just ₹250, and invest up to ₹1.5 lakh per financial year, in lump sum or installments. The account can be transferred to any post office or bank across India if the family relocates. Since post offices are government-operated and widely available even in remote regions, the Sukanya Samriddhi Yojana post office account provides a trustworthy and convenient platform for long-term, tax-free savings to secure a girl child’s education, marriage, and overall future. Main Features of Sukanya Samriddhi Yojana Eligibility Only girl children are eligible. Account can be opened anytime from birth till the girl turns 10 years old. Only one account per girl child is allowed. A maximum of two accounts (for two girls) per family is permitted (third allowed in case of twin girls). Minimum and Maximum Investment Minimum annual deposit: ₹250 Maximum annual deposit: ₹1.5 lakh Deposits can be made in lump sum or multiple installments in a financial year Interest Rate Attractive interest rate: Currently 8.2% per annum (Q2 FY 2025) Interest is compounded yearly and fully tax-free. Tenure of the Scheme The account matures 21 years from the date of opening. Contributions are to be made for 15 years only, after which it continues to earn interest till maturity. Tax Benefits Triple Exempt (EEE) Status under Section 80C of the Income Tax Act. Deposits, interest earned, and maturity amount are all tax-free. Partial Withdrawal Facility Up to 50% of the balance can be withdrawn when the girl turns 18 years old, for education expenses or marriage. Account Opening Locations Can be opened at authorized banks or post offices across India. Transferability The account is transferable anywhere in India (between banks and post offices) in case of relocation. Maturity and Closure Maturity occurs after 21 years or at the time of marriage (after 18 years), whichever is earlier. Premature closure allowed in cases like the death of the account holder or under extreme compassionate grounds.