Sukanya Samriddhi Yojana: Many parents in India seek schemes for the secure future of their daughters. In this context, the Sukanya Samriddhi Yojana is a government scheme that is not only safe but also offers excellent returns. This scheme was specifically launched to cover daughters’ education, marriage, and other important life expenses. A small amount can be used to create a substantial fund, which proves to be a significant help to the family in times of need.

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How much will be created by investing ₹35,000 annually?

In today’s times, children’s education and marriage expenses are rising rapidly. In such a situation, this scheme is a boon for parents who want a risk-free investment. If a person deposits approximately ₹35,000 every year in their daughter’s name, the total investment will be ₹525,000 in 15 years. According to the scheme’s rules, the account matures on the 21st birthday and continues to earn compound interest during this period. The maturity amount can reach approximately ₹16,16,435, which is completely tax-free and considered safe by the government.

Tax Benefits Along with Government Protection

Sukanya Samriddhi Yojana is an excellent tax-saving tool. Investments are exempt under Section 80C of the Income Tax Act. The maturity amount and interest are also tax-free. This makes the scheme very popular among parents who want a safe, reliable, and high-interest investment option.

How to Open an Account

Opening an account under this scheme is a simple and easy process. The required documents can be submitted at any post office or authorized bank such as SBI, PNB, HDFC, or ICICI Bank. The required documents include the daughter’s birth certificate, guardian’s identity card, address proof, and a passport-sized photo. A minimum annual deposit of ₹250 and a maximum of ₹1.5 lakh can be made. The option to deposit the amount in a lump sum or in installments is also available. The current interest rate is approximately 8.2 percent, which is compounded quarterly.

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Best Option to Secure the Future

This scheme is ideal for families who want stable financial security for their girl child and want to avoid market-based risks. With regular investments and government interest rates, this scheme plays a vital role in fulfilling their daughter’s future dreams.