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Limit of Investment

  • Minimum Rs. 1000 needs to be invested in one year, after that in multiples of Rs. 100.
  • Maximum Rs. 150000 can be invested.
  • Deposits can be made any number of times, there is no limit. It can be done in lump-sum or broad manner. All methods are acceptable for deposits.

Tenure: Deposits will be made for 15 years, and deposits will mature 21 years after opening the account.

Interest Rates

  • For FY 2016-17, interest will be compounded yearly @ 8.6%.
  • The Government will announce the quarterly interest rate for every quarter. Interest will be annually compounded.
  • Funds deposited on or before 10th of the month for the relevant month will be considered for interest payment.

Required Documents

  1. Girl child’s Birth Certificate.
  2. Depositor’s Identity and Residence proof.

Tax Benefits

  1. Interest earned from the scheme is tax-free.
  2. Deposits made can be claimed u/s 80C as a deduction. The maximum limit u/s 80C is Rs. 150000.
  3. The maturity amount and interest amount earned through the scheme will be handed to the girl child. The whole amount will be tax-free in her hands.

Sukanya Samriddhi Yojana (SSY) will provide financial independence to the girl and her parents or guardian. It will ensure the best interests which are all tax-free. The girl child will get the maturity amount directly. Additionally, due to its benefits, it will get a lot of capital to banks.