Post Office Scheme- To give a better future to their daughter or to get her married, parents start saving money right after her birth. If a daughter is born in your house and you have started saving for her marriage or education, then this news is especially for you.
If you want to collect a good amount of money in the future for your daughter’s marriage, then only saving is not enough. You should invest your savings in a good place. In this episode, today we are going to tell you about a very wonderful scheme of the government. The name of this scheme is Sukanya Samriddhi Yojana.
Sukanya Samriddhi Yojana has been started by the government especially to secure the future of daughters. This scheme is very popular in the country. Many people are investing in this scheme. At present, you are getting an interest rate of 8.2 percent on investing in this scheme. The special thing is that you also get income tax exemption on investing in Sukanya Samriddhi Yojana.
How much can you deposit every year?
You can open this scheme in the name of your daughter and take care of her expenses from education to marriage. You can invest an amount from Rs 250 to Rs 1.50 lakh annually in Sukanya Samriddhi. You can open this account for your daughter below 10 years of age. In this, a maximum of two girls from a family can open an account. But if there are twins, then accounts of 3 girls can be opened.
Deposits can be made in the account for a maximum period of 15 years from the date of opening the account. If at least Rs 250 is not deposited in the account in any financial year, the account will become default and it can be reopened only within 15 years.
When can the money be withdrawn?
Parents can operate the account before the daughter turns 18 years old, but money can be withdrawn from this account after the girl turns 18 or after passing 10th. Withdrawal can be made in lump sum or in installments not exceeding 1 per year.
This account will mature after 21 years from the date of opening the account, but deposits will have to be made only for 15 years. Apart from this, its maturity can be completed at the time of the daughter’s marriage after she attains the age of 18 years.
400 rupees to 70 lakh rupees!
If you open this account in the name of your daughter and want 70 lakh rupees after maturity, then first of all you have to save about 400 rupees every day, which will become 12500 rupees in a month, that is, 1.5 lakh rupees will be deposited in a year. Now start investing 1.5 lakh rupees annually in this account from the age of 5 years of your daughter.