Women & Child
Central Government
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Sukanya Samriddhi Yojana: A Government Initiative for Girl Child Empowerment
Small deposit scheme for girl children with highest interest rate (8.2%) and tax benefits for secure future education and marriage expenses.
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Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme for girl children. It offers one of the highest interest rates among small savings schemes.
Key Features
- Interest rate: 8.2% per annum (compounded annually)
- Minimum deposit: ₹250 per year
- Maximum deposit: ₹1,50,000 per year
- Tax benefits under Section 80C (up to ₹1.5 lakh)
- Maturity amount completely tax-free
- Tenure: 21 years from account opening
Frequently Asked Questions
Girl child below 10 years of age. Maximum 2 accounts per family. One account per girl child.
8.2% interest rate (highest among small savings), full tax exemption, partial withdrawal at 18 for education.
1. Visit any post office or authorized bank
2. Fill SSY account opening form
3. Submit girl child birth certificate
4. Initial deposit (min ₹250)
5. Annual deposit between April-March
2. Fill SSY account opening form
3. Submit girl child birth certificate
4. Initial deposit (min ₹250)
5. Annual deposit between April-March
Birth certificate of girl child, Aadhaar of parent/guardian, Address proof, Passport size photos
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