Sukanya Samriddhi Yojana 2025: Invest ₹1.5 Lakh & Get ₹70 Lakh for Daughter With Tax Benefits

In today’s time, every parent thinks a lot about the future of their children, especially their daughters. With rising inflation, it is a big challenge to meet their education and marriage expenses. If you also want to secure the future of your little daughter, then the government’s Sukanya Samriddhi Yojana (SSY) is the best option for you. This is a government scheme, by investing in which you can create a fund of lakhs for your daughter.

What is Sukanya Samriddhi Yojana (SSY)

Sukanya Samriddhi Yojana is a government savings scheme, which has been specially started to secure the future of daughters. In this scheme, you can open an account in the name of your daughter aged 10 years or less. You can invest a minimum of ₹ 250 to a maximum of ₹ 1.50 lakh every year. In this scheme, you have to invest only for 15 years, while the maturity period is 21 years. You can withdraw the entire fund only after the daughter turns 21.

How will a fund of ₹ 70 lakh be deposited?

Let us understand with an example how this scheme works for you. Suppose your daughter is 1 year old and you invest ₹ 1.50 lakh every year for her. You will invest a total of ₹ 22,50,000 in 15 years. When your daughter turns 21, you will get a total fund of ₹ 69,27,578. Out of this entire amount, ₹ 46,77,578 will be your profit, that is, a return of more than double your investment. You can use this amount for your daughter’s higher education or her marriage expenses, so that you will not have any financial stress in the future.

How to start investing

It is very easy to start investing in the Sukanya Samriddhi Yojana. You can open your daughter’s account in any bank or post office. For this, you will need common documents like your daughter’s birth certificate and your parents’ identity cards. You can start investing in this scheme with an initial amount of just ₹ 250. This scheme not only secures your daughter’s future but also gives you mental peace.