Post Office Sukanya Samriddhi Yojna Ke Baare Me Jaankari

Post Office Sukanya Samriddhi Yojna (scheme): Betiyon ka future banane ke liye abhi se taiyari karna behtar hota hai. Janakaron ka kehna hai ki abhi se agar inke education aur shaadi ke kharch ke liye mata-pita systematic dhang se nivesh karte hain to inki tarakki mein koi arthik adachan ka samna nahi karna padta hai.

Nivesh ke vikalpon mein se ek Post Office ki Sukanya Samriddhi Yojana ek behtar vikalp hai. Ismein aap har mahine chhoti rakam bhi nivesh kar sakte hain. Itna hi nahi, aapki taraf se kiye gaye nivesh par aapko income tax mein chhoot bhi milti hai.

Kaun Khol Sakta Hai Post Office Ssa Account

10 saal se kam umr ki balika ke naam par mata-pita ya abhibhavak Post Office ki Sukanya Samriddhi Yojana ke tahat account kholsakte hain.

Ek baat khas taur par Bharat mein ek balika ke naam par dakghar ya kisi bhi bank mein keval ek hi khata khola ja sakta hai. Yeh account ek parivaar mein maximum do bachiyon ke liye khola ja sakta hai. Judwa/triple bachiyon ke janm ke mamle mein do se adhik khate khole ja sakte hain.

Kitni Rashi Kar Sakte Hain Deposit

Post Office ki official website ke mutabik, Sukanya Samriddhi Yojana account kam se kam 250 rupees mein open kar sakte hain. Yani ek financial year mein kam se kam 250 rupees deposit karna zaroori hai.

Is scheme mein ek financial year mein maximum 1.50 lakh rupees tak deposit kar sakte hain. Aap ise installment mein ya ekmushth jama kar sakte hain. 50 rupees ke multiple mein ismein account khulne ki tarikh se agle 15 saal tak nivesh karna hota hai.

Sukanya Samriddhi Yojana Ke Liye Khata Kaise Khulvaye?

Sukanya Samriddhi Yojana ke tahat khata khulvane ke liye aapko apne najdeekiy post office ya bank ki shaakha mein jaana hoga. Vahaan jakar aapko Sukanya Samriddhi Yojana ke tahat aavedan karne hetu form prapt karna hoga.

Aavedan form prapt karne ke baad aapko poochi gayi sabhi avashyak jaankari ko dhyanpoorvak darj karna hoga. Sabhi jaankari darj karne ke baad aapko form mein maange gaye avashyak dastavejon ko sanlagn karna hoga.

Ab aapko yeh aavedan form post office mein jama kar dena hoga. Iske alawa aapko khata khulvane ke liye premium rashi 250 rupee jama karni hogi. Iske baad karmachari dwara aavedan ki jaayegi jise aapko apne paas surakshit rakhna hoga.

Is prakar aap aasani se Sukanya Samriddhi Yojana ke tahat account khulva sakte hain.

Sukanya Samriddhi Yojana Mein Nivesh Ke Labh:

• Adhik byaaj dar: Anya sarkari samarthit kar bachat yojanaon ki tulna mein Sukanya Samriddhi Yojana ek behtar yojana hai, jo ek behtar byaaj dar pradan karti hai. Is yojana ke antargat vittiya varsh 2023-24 ke tahat pehli timahi ke mutabik 7.6% dar se byaaj ka labh milega.
• Tax se chhoot: Income Tax kanun ke section 80c ke tahat Sukanya Samriddhi Yojana mein nivesh karne par tax par chhoot ka labh milta hai. Yaani salana 1.5 lakh rupee nivesh karne par aap tax chhoot ka fayda utha sakte hain.
• Apni suhooliyat ke mutabik nivesh karein: Sukanya Samriddhi Yojana ke antargat niveshkarta 1 varsh mein nyuntam 250 rupee jama kar sakta hai, aur adhiktam 1.5 lakh rupee prati varsh deposit kar sakta hai. Aap is yojana ke antargat apni arthik sthiti ke mutabik nivesh kar sakte hain.
• Compounding ka labh: Sukanya Samriddhi Yojana ek lambi avadhi ki nivesh yojana hai. Kyunki yah yojana labharthi ko varshik compounding vyas ka labh pradan karti hai. Agar is yojana ke antargat aap bhi nivesh karte hain, to aapko ek lambi avadhi mein bhi shandar return ka labh milega.
• Aasani se transfer: Sukanya Samriddhi account ka sancharan karne wale mata-pita ya abhibhavak Sukanya Samriddhi account ko desh ke ek hisse se doosre hisse mein swatantr roop se transfer karva sakte hain.
• Guarantee return: Sukanya Samriddhi Yojana sarkar dwara sanchalit yojana hai, isliye is yojana ke antargat guarantee return ka labh pradan kiya jata hai.

Kya Account Ko Beech Mein Bhi Band Kiya Ja Sakta Hai?

Khata khulne ki tareekh se 5 saal baad, kuch vishesh sthitiyon mein account ko band karke poora paisa nikalne ki ijazat hoti hai. Ye vishesh sthitiyan is prakar hain –

1. 18 saal ki umr poori hone ke baad ladki ki shaadi ke liye (shaadi ki tareekh ke 1 mahine pehle aur 3 mahine baad tak aisa kiya ja sakta hai).
2. Khataadhark ladki ki maut hone par.
3. Khataadhark ladki ko ghatak bimari hone par ilaaj ke liye.
4. Account sanchalak abhibhavak ki maut hone par (Death of the guardian).