Girl Child Scheme: Sukanya Samriddhi Yojana is being run by the government for the bright future of daughters. Interest is given in the scheme at the rate of 8.2 percent. If you also have a daughter in your house and her age is less than 10 years, then you can do this in her name. You can invest in the scheme. In Kanya Samriddhi Yojana, a minimum of Rs 250 and a maximum of Rs 1.5 lakh have to be deposited annually. Investment in this scheme has to be made for 15 years and it matures after 21 years.
If you want to get better returns then you can invest in mutual funds in your daughter’s name. You can invest money through SIP every month for 21 years and get huge amount in the long term. By doing the calculation here, you can know which scheme in SSY and SIP will be most useful and beneficial for the daughter.
Returns on depositing ₹ 5000 in Sukanya Samriddhi Yojana
If you invest ₹5000 per month in Sukanya Samriddhi Yojana, you will invest ₹6000 in one year and ₹900000 in 15 years, after that there is no need to invest in this scheme but you can withdraw that amount. Can. Can do. can’t. Will be kept locked, it will mature when the daughter completes 21 years of age and if calculated as per 8.0 2% interest rate then the interest in this scheme will be Rs 18,71,031 and on maturity Rs 27,71,031 will be received.
How much SIP return will I get by depositing ₹5000 per month
Under this scheme, if you invest ₹ 5000 every month in mutual funds, then in 15 years you will have to invest ₹ 900000 and the average return given under this scheme is 12%, sometimes you can get more returns than this. Can get it. Can get it. you can get it. If so, then if you calculate it at 12 percent, then if you invest Rs 9 lakh in 15 years, you will get interest of Rs 16 lakh. If you withdraw this amount in 15 years, you will get Rs 25 lakh and this amount is Sukanya Samriddhi. Returns under the scheme will be equivalent to approximately 21 years. If you extend this investment for one year then you will get approximately Rs 29 lakh at the rate of 12% and you will get up to Rs 44 lakh on your investment.
Who will get more benefit in Sukanya Samriddhi Yojana or SIP
By investing in Sukanya Samriddhi Yojana, you get tax exemption in three ways. Under this scheme, there is no tax on the amount deposited every year, along with this there will be no tax on the interest and maturity received every year. There will be no tax on the entire amount received at the time of maturity. Under this scheme, there will be saving of tax on interest, returns and maturity.
If we talk about SIP, then the return received under Sukanya Samriddhi Yojana is a fixed return but guaranteed return cannot be given in SIP because it is a market linked scheme, in such a situation if 12% interest rate is assumed then it is enough. . Better than. Will get returns.
