Sukanya Samriddhi Yojana 2025: The Government of India has launched several initiatives to ensure a secure future for girls—the most popular being the Sukanya Samriddhi Yojana (SSY). Launched on January 22, 2015, by the Honorable Prime Minister Narendra Modi as part of the Beti Bachao, Beti Padhao campaign, this scheme encourages parents to save early for their daughters’ higher education and marriage.
🔍 Scheme Overview: Sukanya Samriddhi Yojana 2025
- Name: Sukanya Samriddhi Yojana
- Launch Date: January 22, 2015
- 2025 Status: Ongoing under the Beti Bachao, Beti Padhao campaign
- Who Benefits: Female children aged up to 10 years
- Max Accounts per Family: 2 (3 in special cases like twins)
- Deposit Range: ₹250–₹150,000 per year
- Interest Rate (2024–25): ~8% per annum, adjusted quarterly
- Objective: Build a dedicated savings fund for daughters’ future educational and marriage expenses
👧 Sukanya Samriddhi Yojana 2025 Who’s Eligible?
- A girl child aged 0 to 10 years
- Up to two accounts per family (with a third allowed in special cases)
💡 Why It’s Worth It
- Strong Future Fund: Dedicated savings for your girl’s major life expenses
- Flexible Contributions: Deposit as little as ₹250 to as much as ₹1.5 lakh per year
- Competitive Interest: Higher rates than most savings instruments, currently ~8%
- Partial Withdrawals: Up to 50% withdrawal allowed when she turns 18 for education
- Full Maturity: Entire balance payable at age 21, benefiting marriage or further studies
📋 Documents Required
- Girl’s birth certificate
- Parent/legal guardian’s Aadhaar card (ID proof)
- Proof of address (ration card, electricity bill, Aadhaar, etc.)
- Passport-size photos of the girl and the account opener
- SSY account opening form (available at banks or post offices)
- PAN card (if available, for additional ID)
🏦 How to Open an SSY Account
- Visit a post office or participating public/private bank (e.g. SBI, PNB, Bank of Baroda, ICICI, Axis)
- Collect and complete the SSY account form
- Attach copies of the required documents; carry originals for verification
- Deposit a minimum of ₹250 (up to ₹1.5 lakh per year)
- You’ll receive a passbook with account details
🗓️ Key Terms to Know
- Save annually for 15 years
- Interest is paid throughout, even after the deposit period
- Partial withdrawal (up to 50%) allowed from age 18 for education
- Account matures at age 21—upon which the entire amount can be withdrawn
🔗 Important Links:
- Official Website: Click Here
- Sukanya Samriddhi Yojana Calculator: Click Here
✅ In Conclusion
Sukanya Samriddhi Yojana remains a smart, secure investment option for parents who want to build a strong financial foundation for their daughters’ education or marriage. With flexible deposits and attractive interest rates, it’s both reliable and rewarding. Thank you for reading!
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