Many people do not want to take risks. Rather, they want to get good returns in the long term in a safe manner. So they want to look for various government schemes. And such a scheme has been brought by the Government of India. They have brought Sukanya Samriddhi Yojana. If you invest in this scheme, you will get 50 lakh rupees only as interest.
But first of all, let me say that not everyone can do this scheme. Rather, this scheme will be opened for girls. You can invest there. Money can be kept in this scheme until the girl is 15 years old. And when the girl is 21 years old, the money can be withdrawn. At this time, you can withdraw the entire money.
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If you invest in this scheme right after the birth of your child, then you can get 50 lakh rupees as interest by saving very little money every month. In this case, invest until the girl is 15 years old. Then withdraw it in 21 years. And a lot of money will accumulate in it.
How much is the interest?
The interest of the Sukanya Samriddhi Yojana is high. In this case, you will get interest at the rate of 8.2 percent per year.
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However, you should keep in mind that its interest rate is fixed every quarter. And from January 2026 to March 2026, the interest will be at the rate of 8.2 percent. This rate was fixed on December 31. And the interest rate has been in the same place for a long time.
Money can be deposited every month
You can get a minimum of Rs 250 per year in this scheme. And it is possible to keep a total of Rs 1.50 lakh per year. You cannot keep more than this.
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You can keep this money at once. Or you can give it in multiple instalments. And you can invest this money until the girl turns 15. Although this money will be available when the girl turns 21.
You will get an interest of 50 lakhs
Suppose you start investing Rs 1.5 lakh per year in this scheme. In that case, when the child turns 21, he can get Rs 72 lakhs. Let’s find out the numbers –
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1. Deposit 150,000 Rs per year
2. Deposit period 15 years
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3. Interest rate 8.2 percent
4. You will save 2250,000 Rs
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5. You will get 493,2119 Rs as interest
6. As a result, you will get 718,2119 Rs at maturity
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Note: Do not buy or invest in stocks after reading this article. It is written for informational and educational purposes. Before making any decision, seek expert advice. Also, do your own research. Then invest in stocks.