Sukanya Samriddhi Yojana: The Central Government’s Sukanya Samriddhi Yojana (SSY) has emerged as a reliable and guaranteed investment option to secure the future of daughters across the country. Under this scheme, the interest and maturity amount on investment is completely guaranteed. With this, parents can arrange financial security for their daughter’s education, career and marriage.
Let us know how you can invest in Sukanya Samriddhi Yojana. Also, if you invest Rs 5000 every month in the scheme, then how much amount will you get on maturity.
How to invest in Sukanya Samriddhi?
In this government scheme, accounts can be opened only in the name of daughters below 10 years of age. A minimum of ₹250 can be deposited annually and a maximum of ₹1.5 lakh can be deposited annually. Money has to be deposited only for 15 years, but the account remains active for 21 years.
At present the interest rate is 8.2% per annum, which is decided by the government every quarter. Tax exemption is also available in this scheme and the interest on maturity remains completely tax-free.
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Maturity amount on monthly investment of ₹5000
Suppose you invest ₹5,000 every month in Sukanya Samriddhi Yojana. That means ₹60,000 annually. Assuming the interest rate is 8%, how much you will get after 21 years can be estimated from the table below.
If a parent deposits ₹5000 every month, the annual investment will be ₹60,000. Adding this amount for 15 years, the total investment will be ₹ 9 lakh. Assuming an interest rate of 8.2%, the maturity amount with compounding comes to approximately ₹24-25 lakh. That means more than two and a half times the deposited capital.
It is also worth keeping in mind that investment in Sukanya Samriddhi Yojana has to be made only for 15 years. No new money has to be deposited from the 16th year to the 21st year. During this period, interest keeps getting added on the amount already deposited, hence the balance increases to Rs 24.5 lakh.
When can money be withdrawn?
In this scheme, the full amount is available after 21 years of account opening. But when the daughter turns 18 and funds are required for studies, then up to 50% of the amount can be withdrawn in advance. The remaining amount is received on maturity.
Maturity amount on different investments
Benefits of Sukanya Samriddhi Yojana