sukanya samriddhi scheme

Sukanya Samriddhi scheme – The Government of India has notified a small deposit scheme for the girl child to provide for her higher education and marriage. The ‘Sukanya Samriddhi’ prescribes opening of a deposit account with post offices in the name of girl child by her biological parents or legal guardian. The account can be opened in the name of girl child at the time of her birth till she attains the age of 10. A girl child who attains the age of 10 years a year prior to the commencement of new scheme will also be allowed to open an account. The minimum deposit amount is Rs 1,000/-every year in multiples of Rs 100 every year. If the minimum amount is not deposited, there will be fine of Rs 50 for every year of default. A maximum of Rs 1.5 lakh can be deposited in one financial year. The deposit is to be made for 14 years from date of opening of account, which will be operated by the parents or legal guardian till the girl child the attains the age of 10 years after which, she can operate the account while parents can deposit the money. The account will mature in 21 years from the date of opening account. However, one can withdraw half of the balance (at the end of preceding financial year) for her higher education and marriage, but only after the girl attains the age of 18 years. The account will be closed if the girl marries before the maturity period. One girl is allowed only one account and parents can open such an account for a maximum of two girl children.

 

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