If you're looking for a secure and rewarding way to build a bright future for your daughter, Sukanya Samriddhi Yojana (SSY) can be a game-changing savings plan. Launched by the Government of India under the ‘Beti Bachao, Beti Padhao’ initiative, this scheme allows parents or guardians to build a substantial corpus for their girl child’s education, marriage, or other important life events with small monthly contributions.

🔑 Key Highlights of Sukanya Samriddhi Yojana:

• Minimum Deposit: ₹250/month

• Example Monthly Investment: ₹833

• Investment Duration: 15 years

• Maturity Period: 21 years from account opening

• Interest Rate: Currently 8.2% (compounded annually)

• Maturity Value: Approx. ₹4,61,839 on monthly deposits of ₹833

• Tax Benefits: Exempt under Section 80C of the Income Tax Act

• Partial Withdrawal: Allowed up to 50% after the girl turns 18

• Account Opening Age: Before the girl turns 10 years old

• Account Limit: Maximum of 2 daughters per family (exceptions for twins/triplets)

📊 Example Calculation:

✅ Why Choose Sukanya Samriddhi Yojana?

• Government-backed scheme: Zero risk on investment

• High returns: Better than most fixed deposits

• Tax-free maturity: EEE status – exempt on investment, interest, and maturity

• Early withdrawal flexibility: Ideal for education needs

📝 Eligibility Criteria:

• The girl child must be a citizen of India

• Account can be opened before she turns 10

• Maximum 2 accounts per family, unless twins/triplets

• The guardian must operate the account until the girl turns 18

🔗 Where to Open the Account?

You can open a Sukanya Samriddhi account at any authorized post office, public sector bank, or participating private banks across India.

By investing just ₹833 per month, you can unlock a future worth over ₹4.6 lakh for your daughter. Start early, invest consistently, and secure her dreams with the power of Sukanya Samriddhi Yojana.

For more details, visit the official website of India Post or National Savings Institute.