Central Government Girl Child Saving Scheme: 8 Benefits
Central Government
Girl Child Saving Scheme has launched a Yojana for Girl Child Saving Scheme
named as Sukanya Samriddhi (Beti Padhao Beti Bachao Yojana) to help in Girl
Education from Nursery level to Graduate level. It is meant for School Girl
only who daily go to school and reserved amount will be handed over by State or
Central government when girl stood up to 18 to 21 years.
Savings scheme for
girls: This Sukanya Samriddhi Yojana is a saving scheme where Girls after
born father, Mother or Parents can open it. On monthly basis they will have to
save in reserve amount in bank.
About: PRADHAN MANTRI SUKANYA SAMRIDDHI SCHEME
#1 the account can be opened for any girl child in India by
her natural / legal guardian till she attains an age of 10 years. Copy of birth
certificate should be submitted.
#2 A natural/legal guardians can open only one account in
the name of one girl child and maximum two accounts in the name of two
different girl children.
#3 Interest rate as notified by the Government, compounded
yearly shall be credited to the account. The rate of interest is notified by
Ministry of Finance, Govt of India from time to time which is displayed in the
path given below.
#4 Rate of Interest: Visit Home/Main Page of our Bank
website >> Rate and Charges >> Interest Rates >> Deposits
>> Govt. Saving Schemes
#5 Minimum amount of investment is Rs. 1000 and maximum Rs.
1,50,000 in a financial year.
#6 the maturity of account happens after 21 years from the
date of opening. However, the account may be closed before completion of 21
years, if the account holder makes a request for the purpose of marriage, after
completing 18 years of age.
#7 A partial withdrawal of up to 50% of the balance
outstanding at the end of the preceding financial year can be made after 18
years of age for higher education purpose.
#8 One of the best tax saving options for parents and legal
guardians of girl child. The scheme offers exemption from Income Tax under 80C
for an amount up to 1.5 Lakh .
There is no maximum of minimum number of times money can be
deposited in the account.
The account allows subscription for 15 years including regularization
of defaults if any.
#9 If minimum Rs 1000/- is not deposited in a financial year,
account will become discontinued and can be revived with a penalty of Rs 50/-
per year along with minimum amount required for deposit for that year
##10 Once the account attains 21 years from the date of opening,
no further interest is paid.
As this is a Govt. of India scheme, www.nsiindia.gov.in may
be visited for latest instructions/ modifications in the scheme.
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