Post Office SSY In this scheme of post office, highest interest, tax exemption will also be available : Talking about the small savings scheme, the Sukanya Samriddhi Yojana of the post office is currently the top in giving returns. Talking about the small savings scheme, the Sukanya Samriddhi Yojana of the post office is currently the top in giving returns. Sukanya Samriddhi Account Yojana is getting interest at the rate of 7.6 percent per annum, whether it is Fixed Deposit (FD), National Savings Certificate (NSC), Monthly Income Scheme (MIS), Kisan Vikas Patra (KVP) Or more than schemes like Recurring Deposit (RD). Under this scheme you can open an account to secure the future of your child. In SSY, parents can open an account in the name of the girl child up to the age of 10 years.
Post Office SSY
Under the scheme, only one account will be opened in the name of the girl child. SSY account can be started with minimum Rs.250. In this, the minimum deposit amount in a financial year has been fixed at Rs 250 and the maximum amount is Rs 1.5 lakh. One can invest in Sukanya Samriddhi Yojana for a maximum period of 15 years.
Sukanya Samriddhi Account Yojana can be closed only after the girl turns 21. However, the normal premature closure is allowed when the girl child attains the age of 18 years of age. After the age of 18 years, the girl child can partially withdraw cash from the SSY account. Withdrawal limit is up to 50% of the balance in the account at the end of the previous financial year.
Post Office SSY open account like this
First of all you have to go to the post office and take the form to open Sukanya Samriddhi Account Yojana. For this it is necessary to have the birth certificate of the daughter. Id proof of parents will also be required. In which PAN card, ration card, driving license, passport, any document can apply. Parents also need to submit documents for address proof. In this also driving license, passport, electricity bill or ration card is valid. Your account will be opened after verification of your documents from the bank or post office. After the account is opened (Sukanya Samriddhi Yojana), a passbook is also given to the account holder.
If you have not filed income tax return then double TDS from next month, understand the complete rule here
tax exemption benefits
Tax deduction up to Rs 1.5 lakh can be claimed under section 80C on the amount deposited in SSY. Apart from this, the interest earned on the deposit and the money received after the maturity period is also tax free. In this way, SSY (Sukanya Samriddhi Yojana) is a category tax saving scheme.
If you forget to deposit the minimum amount in Sukanya Samriddhi Account Yojana in any year then your account will be closed. But this account (Sukanya Samriddhi Yojana) can be restarted with a penalty fee of Rs 50. The account holder has to deposit the amount with which he has opened the account along with a penalty fee of Rs 50.
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