Sukanya Samriddhi Yojana – Calculating Maturity Values @ 9.2% – Interest Rate Applicable for FY 2015-16

by Shiv Kukreja on April 3, 2015

in Investments

This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at skukreja@investitude.co.in

The Finance Ministry on March 31st announced the applicable interest rates for all the Post Office Small Savings Schemes, including PPF, Sukanya Samriddhi Yojana (SSY) and Senior Citizens Savings Scheme (SCSS). Except for SCSS and SSY, the government has kept all other interest rates unchanged, including 8.7% for its most popular scheme, PPF.

To encourage more and more people to get the Sukanya Samriddhi Account (SSA) opened, the Government has decided to ride against the tide and has increased its interest rate to 9.20% from 9.10% earlier, an increase of 0.10%.

As the interest rate on Sukanya Samriddhi Yojana is subject to a revision every financial year, this rate of 9.2% will remain applicable only for the current financial year, 2015-16 and will be further revised in March 2016 for the next financial year, 2016-17.

But, this move of keeping its interest rate higher makes me feel that the Modi Government will continue to keep its interest rate higher going forward as well. I think, like the current financial year, they will try to keep a differential of approximately 0.50% between PPF and Sukanya Samridhi Yojana.

I had posted an article last month in which maturity values were calculated with 9.1% rate of interest throughout its tenure of 21 years. But, as the interest rate has been updated to 9.2% and as most of the investors are yet to open this account, I thought there is a need to have a new post having maturity values calculated as per the new rate of 9.2%.

So, here you have the tables in which maturity values are given as per your annual contributions as well as monthly contributions:

Yearly Contribution Table

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Monthly Contribution Table

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As different investors will have have different amounts and different timings of their deposits, it is natural that their maturity values will also be different. So, these maturity values are only indicative based on certain assumptions and here you have those assumptions:

* Rate of Interest has been assumed to remain 9.2% for all these 21 years.

* Yearly contributions have been assumed to be made on April 1 every year i.e. the beginning of the financial year.

* Monthly contributions have been assumed to be made on 1st day of every month.

* Although it is not mandatory, a fixed amount of yearly/monthly contribution has been assumed.

* It is also assumed that no withdrawal is made throughout these 21 years.

As people are looking for more and more information about this scheme, I would like to again highlight the main features of this scheme here:

Who can open this account? – Parents or a legal guardian of a girl child up to the age of 10 years, can open this account in the name of the girl child. So, if your daughter is born on or after December 2, 2003, you can get this account opened for her in a post office or an authorised bank branch.

Which documents are required to open this account? – You need birth certificate of the girl child, along with the identity proof, residence proof and two photographs of the parents/legal guardian, to open an account under this scheme. You can approach any post office or a branch of any of the authorised banks to get this account opened.

9.2% Tax-Free Rate of Interest for FY 2015-16 – As mentioned above, this scheme will carry 9.2% rate of interest for the current financial year and it was 9.1% for the previous financial year. Similarly, interest rate will be revised every year in March and will be applicable for the applicable financial year afterwards.

Scheme Matures in 21 years or on Girl’s Marriage, whichever is earlier – The scheme gets matured on completion of 21 years from the date of opening of the account or as the girl child gets married, whichever is earlier. Please note that the girl attaining the age of 21 years has no relevance to maturity period of this scheme.

Deposit for 14 years only – You need to deposit a minimum of Rs. 1,000 and a maximum of Rs. 1,50,000 only for the first 14 years, after which you are not required to deposit any amount. Your account will keep earning the applicable interest rate for the remaining 7 years or till it gets matured on your daughter’s marriage.

NRI/OCI Investment – It is still not clear whether Non-Resident Indians (NRIs) or Overseas Citizens of India (OCI) are allowed to open an account under this scheme or not. But, as it is not allowed with most of the post office small saving schemes, I think the government will not allow them to invest in this scheme either. I’ll update this post as soon as I get any information regarding the same.

Partial Withdrawal – It is allowed to withdraw 50% of the balance for higher education as the girl child attains the age of 18 years. Except for this period, it is not allowed to withdraw any amount during the whole tenure of this scheme.

Nomination Facility – Nomination facility is not there with this scheme. In an unfortunate event of the death of the girl child, the balance amount will be paid to the parents/ legal guardian of the girl child and the account will be closed immediately.

You can check all the features of this scheme from this post – Sukanya Samriddhi Yojana – Tax-Free Small Savings Scheme for a Girl Child

You can also check the updated list of banks and download the application form to open an account from this post – Sukanya Samriddhi Yojana – Updated list of Authorised Banks to Open an Account, Specimen Application Form & Passbook. If you have any query or something related to all these posts, please share it here.

{ 986 comments… read them below or add one }

Rahul Agrawal April 3, 2015 at 8:47 PM

Can father and mother both open individual SSA account on there daughter name and invest 75k each.

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Shiv Kukreja April 4, 2015 at 3:12 PM

Hi Rahul,
Only a single account can be opened in a girl child’s name. But, father and mother both can contribute Rs. 75K each to this single account and claim tax benefit u/s 80C as well.

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Suryakanta Moharana April 4, 2015 at 11:26 AM

Sir Namaskar,
SSY schme me har saal 1000 se lekar 1.5lakh ke ander koi bhi amount jama kar sakte he kya?
Har saal alag alag amount suppose
1st year 5000,
2nd year 8000 aisa ho sakta he ya har saal amount fix rahega.
Postal me account kholunga to 1 saal me kitna baar amount suppose
100-100 karke ya 500-500 karke jama kar sakta hu?

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Shiv Kukreja April 4, 2015 at 3:14 PM

Yes Mr. Suryakanta, aap ye sab kar sakte hai.

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Darshit April 4, 2015 at 12:12 PM

Its good that govt has opened up schemes for girl child.
I am curious if any other private sector companies have such schemes?

If possible can you please do an article that throw light on schemes dedicated to girl child/only girl child ? Insurances/saving schemes?

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Shiv Kukreja April 4, 2015 at 11:02 PM

Hi Darshit,
Insurance schemes are usually not good for investments, so you should not take insurance policies for meeting any of your financial goals. Moreover, I am not aware of any other good scheme which is specifically dedicated to girl children.

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VIPUL H. Vachhani April 4, 2015 at 3:09 PM

Sir,
Please tell me my Daughter age is 9 year old, shall i invest in SSA Scheme. and how much it maturity time ,

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Shiv Kukreja April 4, 2015 at 11:04 PM

Hi Vipul,
Your daughter is eligible to invest in this scheme. This scheme matures after 21 years from the account opening date or when your daughter gets married, whichever is earlier.

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dhanesh kumar April 7, 2015 at 2:12 PM

skim suru hue 3 mahine ho gaye
bank me abhi tak koi information nahi hai…kya bank me ye skim suru ho payegi. .

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Shiv Kukreja April 7, 2015 at 3:30 PM

Hogi to zaroor, kab hogi, kisi ko nahin pata.

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praween kumar April 7, 2015 at 2:59 PM

Dear sir
Please tell me my Daughter age is 5 year old,shall i invest in SSA Scheme. and how much it maturity time ,please suggest
account opening -date-01.04.2015
Daughter age is 5
maturity -time————–01.04.20——?

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Shiv Kukreja April 8, 2015 at 5:50 PM

Maturity date is 31.03.2036 or when your daughter gets married, whichever is earlier.

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seshu April 7, 2015 at 9:42 PM

Sir,

I am having a small confusion over the minimum period 0f 14 years and the maturiy of this account on girls marriage. If a girl open this account on age of 10 and she will get married on 21 years the 14 years deposit is comes to 11 years only. Can you tell me the calculation for this ? she can eligible to pre close this account due to her marriage on 21. But minimum 14 years is not met in this situation. Can you please send the calculation for Girl’s age entry 10 and exit age is 21?

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Shiv Kukreja April 8, 2015 at 5:53 PM

Sorry Seshu, I won’t be able to show you the calculation for this, but your daughter could withdraw the balance whenever she gets married, even if the account doesn’t complete 14 years of deposit.

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yogesh soni April 8, 2015 at 9:26 AM

sir
meri girl ki dob 01.01.2007 hai aur maine account 10.03.2015 ko khulbaya hai
2028 ko girl 21 saal ki ho jayegi
to kya account band ho jayega.

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Shiv Kukreja April 8, 2015 at 5:54 PM

Nahin Yogeshji, account 21 saal baad ya phir aapki beti ki shaadi hone pe mature hoga.

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yogesh soni April 8, 2015 at 6:11 PM

sir
jo rupee maturity par mileage kya utne hi rupees ladki ki saadi par mileage agar saadi maturity se pahle hoti hai.

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Shiv Kukreja April 8, 2015 at 6:23 PM

Nahin, jo balance shaadi ke time hoga, utna hi milega.

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yogesh soni April 8, 2015 at 9:44 PM

sir
saadi ke time ke balance ki calculation kaise karenge

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Shiv Kukreja April 9, 2015 at 12:02 AM

Exact calculation nahin kar sakte, kyunki hamein nahin pata ki shaadi kab hogi, kab aap paise deposit karenge, kitna rate of interest rahega.

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Smita April 9, 2015 at 5:16 PM

I want to know whether I will deposit 14 yrs from the date of account opening or my daughter attains 14 yrs. I opened account in March 2015′,my daughter ‘s DOB is 01.01.2011 and second thing is I deposit 3000 in initial opening.after that in every month i can deposit a fixed amount or different.

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Shiv Kukreja April 9, 2015 at 8:44 PM

You’ll have to deposit money for 14 years from the account opening date. It is not a monthly deposit scheme and you can deposit whatever amount you want between Rs. 1,000 and Rs. 1,50,000.

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rajni sharma April 9, 2015 at 10:07 PM

Sir

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rajni sharma April 9, 2015 at 10:10 PM

Sir mere bati ki date of birth 30Jan 2005 h kiya mai uska account khulba skti hoo please give me answer

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Shiv Kukreja April 9, 2015 at 10:14 PM

Yes Rajniji, aapki beti ka account khul sakta hai.

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yogesh soni April 10, 2015 at 8:58 AM

sir
meri girl ki dob 01.01.2007 hai
aur maine account 10.03.2015 ko khulbaya hai agar saadi 2028 me hoti hai lakin maturity date 2036 hai . to mujhe saadi ke time kitne paise milange. Rate of interest 9.2 % ke hisab se.

Reply

yogesh soni April 10, 2015 at 8:59 AM

sir
meri girl ki dob 01.01.2007 hai
aur maine account 10.03.2015 ko khulbaya hai agar saadi 2028 me hoti hai lakin maturity date 2036 hai . to mujhe saadi ke time kitne paise milange. Rate of interest 9.2 % ke hisab se.
agar per month 1000 rupee jama karta hu to.

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Shiv Kukreja April 10, 2015 at 11:20 AM

Sorry Yogesh, we cannot entertain such individual calculations.

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rohan April 10, 2015 at 12:35 PM

Dear sir
Meri beti ki dob, 04.05.2004 hai
To kya ladki ki shadi k samay hum account close karwa sakte hain ya
Ladki k 18yrs hone baad Jo 50% Withdrawl ka scheme hai
Uske under 21yrs ki maturity ka 50% milega ya sirf Jo deposits kiya us samay tak usi ka 50% milega
Yrly 12k or kuchh jyada deposite karein to kya ladki ki shadi k samay
Account close kar k poore paise le sakte hain

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Shiv Kukreja April 10, 2015 at 1:37 PM

Hi Rohan,
Shaadi ke time 100% balance (with interest) withdraw kar sakte hain. Girl ki age 18 saal hone pe 50% balance (with interest) withdraw kar sakte hain.

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rohan April 10, 2015 at 2:24 PM

Dear sir
Agar 1000 monthly or 12k yearly
Ladki ki shadi k samay tak
Kareeb 10yrs tak deposite kiya to after 10yrs account close karte samay
9.1%intrst k hisab se (Jo ki yearly change hota rahega)
1,20,000+intrst =
round figure kitna ? tak milega

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Shiv Kukreja April 10, 2015 at 3:39 PM

Hi Rohan,
I cannot do such calculations for individual cases.

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apeksha parab April 10, 2015 at 5:03 PM

sir, my daughter is 20months now & i want to open an account for her, but my confusion is that ” whether i can deposit monthly 1000 or annually ” & next thing whether can a increase the deposit amt in future

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Shiv Kukreja April 10, 2015 at 7:36 PM

You are required to deposit Rs. 1,000 annually. You can increase the amount in future.

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krishna sharma April 11, 2015 at 9:34 AM

Sir Ji paise monthly jama karane h ya 1 year me 1 bar
My daughter dob 15-3-2003 h kya sir account open kra sakte h

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Shiv Kukreja April 11, 2015 at 11:49 PM

Hi Krishna,
Paisa saal mein ek baar deposit karna zaroori hai. But, your daughter is not eligible for this scheme.

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ankitrajdubey803@gmail.com April 12, 2015 at 1:43 PM

Sar mera naam ankitrajdubey hai mai Puchna chata tha ki 2500 mahina inwest karege to 21 saal mein kitna milega aur kuch mony bech milta hai naa meri beti ka dateh of births 13/01/2015 hai

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Shiv Kukreja April 12, 2015 at 2:01 PM

Ankitji, upar table check keejiye, Rs. 2,500 mahina invest karke 21 saal baad approximately Rs. 15,73,319 milega @ 9.2% rate of interest.

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prashant April 12, 2015 at 5:32 PM

Does the maturity amount belongs to parents or daughter? ?

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Shiv Kukreja April 13, 2015 at 12:11 AM

Maturity amount belongs to the daughter.

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krishna sharma April 12, 2015 at 11:27 PM

Sorry sir my daughter d.o.b 2004 h account open ho Santa h

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Shiv Kukreja April 13, 2015 at 12:12 AM

Yes Krishna, your daughter is eligible for this scheme.

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krishna sharma April 13, 2015 at 12:25 PM

Sir my daughter d.o.b. 06-09- 2004 h him 25000 year JMA karate h
Sir 06-09-2025 me 21 year ki ho jayegi to kitne paise milege

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Shiv Kukreja April 13, 2015 at 8:46 PM

Krishnaji, beti ki age 21 saal hone pe ye scheme mature nahin hogi. Account khulne ki date se 21 saal baad ya phir beti ki shaadi hone pe aapko paisa milega.

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Amit Goswami April 14, 2015 at 4:08 PM

Sir,,, Meri beti ki age 8 saal he agar koi scame ho to batao

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Shiv Kukreja April 14, 2015 at 7:38 PM

Hi Amit, aap ‘Scam’ pooch rahe ho ya ‘Scheme’.

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deepak April 14, 2015 at 10:20 PM

Sir yojna kab tak hai

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Shiv Kukreja April 14, 2015 at 11:11 PM

Is scheme ki koi last date nahin hai.

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raj verma April 16, 2015 at 7:38 PM

Sir
Can I continue deposite amount after 14 year completion In SSA

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Shiv Kukreja April 17, 2015 at 12:21 PM

No Raj, you cannot make investments after 14 years of deposits.

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saurabh gupta April 17, 2015 at 9:27 AM

Dear Sir,
Meri beti ka D.O.B.-19.11.2014 hai,,,,par mujhe confusion hai,,agar main har saal 15000 deposit karta hoon to mujhe kitna amount milega 21 sal ke bad.

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Shiv Kukreja April 17, 2015 at 12:22 PM

Saurabhji, please table check keejiye – table ke anusaar aapko 21 saal baad approximately Rs. 7,94,153 milega.

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Naveen Kumar April 20, 2015 at 7:01 PM

Hi Shiv,
First Thank you for your post,
I have opened an account(SSY) on 26th March 2015 and D.O.B of my daughter is 24th March 2013.

Incase, I want to withdraw all of my amount, at the end of complete maturity period i.e. after 21 years.

Kindly let me know the exact date on which I could receive the maturity amount ?

Thanks in Advance,

Naveen Kumar

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Shiv Kukreja April 21, 2015 at 1:17 PM

Thanks Mr. Kumar!
You will get the maturity amount either on 25th March 2036 or when your daughter gets married, whichever is earlier.

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vishal bhatt April 24, 2015 at 4:17 PM

Sir mere bati ki date of birth 25feb. 2013 h kiya mai uska account khulba skti hoo please give me answer

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Shiv Kukreja April 29, 2015 at 11:01 AM

Hi Vishal,
Yes, aap apni beti ka account khulwa sakte hain.

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vishal bhatt April 24, 2015 at 4:19 PM

Sir mere bati ki date of birth 25feb. 2013 h kiya mai uska account khulba skti hoo please give me answer
or sir me agar 1000rs ki karwata hu to last me kitna amount milega please reply sir

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Shiv Kukreja April 29, 2015 at 11:03 AM

Maturity value ke liye upar pasted tables check keejiye please.

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Namadipta behera April 24, 2015 at 5:13 PM

sir my daughter D.O.B is 27-09-2013.I have opened ssy account 24-04-2015.sir my question is why the difference in chart table is more investment in annually then month basisbasis. Exa if an individual invest2000 Rupees per month he get maturity after21year 12050000 But if he invest 24000 per year he get maturity 12067000. Tell me sir how

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Shiv Kukreja April 29, 2015 at 11:21 AM

Hi Namadipta,
In yearly contribution table, it is assumed that an investor would invest Rs. 24,000 on April 1 every year. So, you will get full year’s interest. But, when you are putting money on a monthly basis, you will not be getting full year’s interest on each & every monthly investment. That is why you will have a lower maturity value.

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Santosh April 24, 2015 at 7:04 PM

Hi Shiv
You are doing a wonderful job by educating people on this scheme.
My daughter was born on 14.04.2004. If I open an account today in my daughter’s name, I have to deposit up to next 14 years i.e. up to 2029. By that time my daughter will be 25 years old. As per the scheme, 50% of the accumulated amount can be withdrawn when the child reaches the age of 18. That means if I start investing today, I can withdraw 50% after 7 years when she reaches 18 years for her higher education, but I have to continue yearly deposits for another 7 years i.e. upto 2029.

Pls let me know if my understanding is correct. Also pls tell me what records I have to produce for withdrawing the amount if her marriage is fixed before the maturity period of 21 years.

Thanks
Santosh

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Shiv Kukreja April 29, 2015 at 11:36 AM

Thanks Santosh for your kind words! 🙂
Also, your understanding is perfectly correct. Moreover, in case of your daughter’s marriage, she will have to give an affidavit of her age to be more than 18 years on the date of closing of account and a self-declaration that she is closing the account as she is getting married.

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Santosh April 29, 2015 at 12:33 PM

Thanks Shiv

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Shiv Kukreja April 29, 2015 at 12:36 PM

You are welcome!

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Vicky Makwana April 28, 2015 at 3:39 PM

Is there any Nominee facility for this policy.

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Shiv Kukreja April 29, 2015 at 11:36 AM

No Vicky, nomination facility is not there with this scheme.

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Anand Chauhan May 4, 2015 at 10:42 AM

Hi Shiv,
Any update on NRI/OCI Investment?

Regards,
Anand

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Shiv Kukreja May 4, 2015 at 2:02 PM

Hi Mr. Anand,
I don’t have any update about NRI/OCI investment as yet.

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Amarjeet Kumar May 5, 2015 at 9:45 PM

Sir ,
I am working private firms I want to open ssy in post office or bank .my questions is the can I change post office or bank for monthly or yearly investment
with regard
amarjeet

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Shiv Kukreja May 7, 2015 at 12:18 AM

Yes, you can use any of your banks to deposit money in this account.

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sumeet May 6, 2015 at 8:29 AM

My daughter is 5 yrs old now. If i open a sukanya account in her name she will attain the age of 26 on the completion of sukanya account closure. However it’s not necessary that she would marry only after the maturity/closure of that account. She may marry early too. So my question is if she wants to marry at the age of 21 when the age of the account would be 16 yrs, what is the procedure to close that account.

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Shiv Kukreja May 7, 2015 at 12:23 AM

Hi Sumeet,
Whenever your daughter gets married, she would be allowed to withdraw the whole balance and close the account. She would be required to submit a declaration for the same.

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Deb May 6, 2015 at 1:09 PM

Sir,
I want to know the rate of interest will be reduced below the base interest i.e 9.1 % or otherwise?

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Shiv Kukreja May 7, 2015 at 12:27 AM

Hi Deb,
9.1% is not any base rate. Its rate of interest can go below 9.1% as well depending on inflation or some other factors.

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Ashok kumar May 6, 2015 at 2:58 PM

Sir .i want to know amount yearly bhi deposite kera sekte hai ya monthly bhi ,Agar mein ajj ki date mein Rs-3000/-ke sath ac open kerta hu aur meri daughter ki age 07 year tho 21 Saal bad kya return rehega thanku sir

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Shiv Kukreja May 7, 2015 at 12:29 AM

Hi Ashok,
Amount yearly ya monthly kaise bhi deposit kar sakte hain. Maturity value ke liye post mein diya gaya table check keejiye.

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yogesh rana May 6, 2015 at 4:08 PM

Sir my daughter was eight and half year old. I want to invest 15000 per year what is maturity value when hi was 21 year

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Shiv Kukreja May 7, 2015 at 12:30 AM

Sorry Yogesh, I cannot entertain such individual calculations.

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Sanjay Kumar May 7, 2015 at 10:57 AM

Dear Sir,
I have just opened SSY account for my daughter who is 10 years old. I shall deposit Rs. 50,000 per year. Please let me know the maturity amount when she is 14 years old and 21 years old.

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Shiv Kukreja May 9, 2015 at 7:16 PM

Dear Mr. Sanjay,
This scheme will not mature when your daughter’s age is 14 years or 21 years. You need to deposit money for 14 years from the account opening date and it will mature when your daughter gets married or when she turns 31 (10 age + 21 years), whichever is earlier. For maturity values as per your yearly/monthly contributions, please check the tables above.

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Basant May 7, 2015 at 11:34 AM

Sir
my daughter age is 1o yr & i opened SSY on her name
Can i deposit Rs 150000 per yr for the next 14yr i.e (2029) or
i can deposit Rs 150000 per yr for the next 8 yr only i.e (2023) or
in both the case how much i will get after maturity age @21 i.e (2036)
or maturity age will be 2025 (21 yr of girl age)

Considering all details how , when, i can get the maximum benefit.

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Shiv Kukreja May 9, 2015 at 7:25 PM

Hi Mr. Basant,
1. You can deposit Rs. 1.50 lakh per annum for a period of 14 years i.e. till 2029 or till your daughter gets married, whichever is earlier.
2. Your daughter’s account will get matured in 2036 or when she gets married, whichever is earlier. With Rs. 1.50 lakh annual contribution & 9.20% rate of interest, maturity value after 21 years would be Rs. 80,06,464.

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Rajkamal May 7, 2015 at 5:17 PM

Sir meri do beti hai keya dono ka Accounts open ho sakta hai and aur id proof keya lge ge meri ek beti 5 yares hai ek kevl 2 month pls answer thanks

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Shiv Kukreja May 9, 2015 at 7:32 PM

Hi Rajkamalji,
Yes, aap dono betiyon ke accounts open karwa sakte hain. Aapko apni betiyon ka sirf birth certificate copy provide karna hai, id proof aapko apna dena hoga.

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anshu May 8, 2015 at 3:37 PM

sir,, mai ye janana chahta hun ki agar beti ki shadi maturity se pahle hoti hai to kya 21 sal bad jo paisa milna tha utna milega ya kam ?

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Shiv Kukreja May 9, 2015 at 7:57 PM

Hi Anshu,
Beti ki shaadi maturity se pehle hone pe aapko kam maturity value milegi.

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bhuvnesh May 9, 2015 at 9:16 AM

Is there any income tax on maturity?

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Shiv Kukreja May 9, 2015 at 7:59 PM

Hi Bhuvnesh,
There is no tax to be payable on maturity.

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rajnish kumar May 9, 2015 at 12:15 PM

agar 1000 rs per month jama krenge to 21year bad kitna milega

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Shiv Kukreja May 9, 2015 at 8:00 PM

Please check the table above, it is Rs. 634,654 as per 9.20% rate of interest.

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javed May 9, 2015 at 4:16 PM

Sir mujhe plan batayenge

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javed May 9, 2015 at 4:18 PM

Meri ladki 1.5 year ki hai

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Shiv Kukreja May 9, 2015 at 8:03 PM
kaluram choudhary May 9, 2015 at 10:51 PM

Sir meri beti 5 year ki he or mine ssy ka acaunt khulwaya he 1000 manthly he to is hisab se 182000 + 9.20 ke alawa sarkar ky degi hame ya fir hamare hi paise hamko ritan dekar ki ya hame ssy ka koi extra bonus degi

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Shiv Kukreja May 10, 2015 at 12:35 AM

Nahin Kaluramji, is scheme mein koi bonus nahin milega.

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sridevi May 9, 2015 at 11:20 PM

No schemes for boys,after all all r not rich

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Shiv Kukreja May 10, 2015 at 12:36 AM

No, there is no special scheme for boys out there.

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vikas May 13, 2015 at 6:15 PM

dear sir,

plz share bank name who started this scheme. Is SBI started? if no when they do this?

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Shiv Kukreja May 13, 2015 at 6:33 PM

Hi Vikas,
PNB & IDBI Bank have started opening these accounts. SBI has still not started opening these accounts and I have no idea by when they will do that.

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Susanta Sarkar June 3, 2015 at 6:42 PM

Hi Shiv,
But I have checked with both IDBI and PNB bank and they told me that they do not have any update or so for SSY account. Can you please provide more details like which branch and bank this is happening for sure.

thanks.

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Mahendra kataria May 13, 2015 at 6:58 PM

Hello sir,
Mare 2 betiya ha 8 or 6 saal ki.agar me yearly 1000 Rs.jama karvata hu to maturity ke baad mari batiyo ko kitna paisa milega.

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Shiv Kukreja May 13, 2015 at 7:11 PM

Hi Mahendra,
Rs. 1,000 har saal ke hisaab se maturity ke time aapki betiyon ko Rs. 53,376 milenge. Maturity amount aapke contribution aur rate of interest pe depend karega.

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Nitish May 19, 2015 at 3:06 PM

Respected sir,
please correct me if i am wrong.

agar Mahendra ji ki beti abhi 6 saal ki hai to scheme ki maturity 21 ki age tak sirf 15 saal bachte hain.. 15 saal ke compound interest ke hisab se amount Rs. 31477 hota hai.

1. aur inki badi beti 8 saal ki hai to scheme ki maturity ke liye 13 saal bachte hain, to kya ye scheme ki maturity ke baad bhi Rs. 1000 daal sakte hain ?
2. Kyunki 14 years ke baad aur paise nahi daalne hain lekin jab tak amount withdraw na ho interest tak milte rahega ?
3. Agar inki beti 30 ki age pe withdraw karna chahti ho, tak kya 30 ki age tak compound interest milega ?

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Praveen M .Sinha May 14, 2015 at 3:39 PM

Hi…

Meri 4 month ki beti hai ager main her saal Rs.50000.00 jama ker raha hu to mujhe after 21 years kitne paise milenge….Remember every year..

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Shiv Kukreja May 14, 2015 at 3:49 PM

Hi,
At an assumed rate of 9.20% per annum and Rs. 50,000 contribution every year, your daughter will get approximately Rs. 26,68,821 after 21 years from the account opening date.

Reply

Rajesh Didpayale May 14, 2015 at 6:20 PM

sir,

my daughter will be completed 10 years coming on 26th May, 2015. Can i open this account (SSY), i would like to invest Rs. 1000 each month & there after can I increased Rs. 500/- every year.

Reply

Shiv Kukreja May 14, 2015 at 6:30 PM

Hi Rajesh,
Yes, your daughter is eligible for this scheme. Also, you can increase or decrease your investment amount as per your comfort.

Reply

surender May 15, 2015 at 2:33 PM

kab tak bank me sukanya samriddhi ka account open hoga

Reply

surender May 15, 2015 at 2:38 PM

ensure this open sukanya samriddhi accounts RBI Notification March 11, 2015 abi thak kishe bank ne account nahe khola

Reply

Shiv Kukreja May 15, 2015 at 6:44 PM

Surenderji, PNB & IDBI Bank ne ye accounts kholne shuru kar diye hain. Please visit any of their branches to get this account opened.

Reply

Sampada May 15, 2015 at 8:05 PM

My daughter is 8.5 yrs old. What is the maturity amount i will get after 21 yrs if i invest Rs. 1000/- monthly.

Reply

Shiv Kukreja May 15, 2015 at 11:37 PM

Approximately Rs. 6,34,654 @ 9.20% interest. However, 9.20% is not fixed.

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suman das May 16, 2015 at 2:00 PM

Sir,mere daughter 2 years later hai. How many years I will deposit the amount. And when I receive the amount attest 19 to 20 lakes. That for which amount I will deposit monthly or yearly.plz help.as soon as possible.

Reply

Shiv Kukreja May 17, 2015 at 1:35 PM

Hi Suman,
Aapko 14 saal paisa deposit karna hai, tab tak aapki beti 16 saal ki ho jaayegi. Aapki second query clear nahin hai.

Reply

S.Raju May 17, 2015 at 9:00 AM

Can my daughter who is citizen of uk open an account for her daughter who is 8 years old?

Reply

Shiv Kukreja May 17, 2015 at 1:41 PM

Hi Raju,
Foreign Citizens are not allowed to open this account.

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suman das May 17, 2015 at 12:21 PM

Sir.my daughter 2 years old.before i am sended u sms by mail. Plz suggest me.

Reply

Shiv Kukreja May 17, 2015 at 1:42 PM

Hi Suman,
I haven’t received any mail from your id.

Reply

suman das May 17, 2015 at 2:27 PM

Sir how many years I will deposit the amount.which year I get the amount at least 19 to 20 lakhs.that for which amount I will deposit monthly or yearly, for collect that amount.my daughter 2 years old.this mail I sended u sir.

Reply

Shiv Kukreja May 18, 2015 at 1:33 PM

Hi Suman,
You need to deposit money for 14 years from the account opening date. Rs. 19-20 lakh ke liye aap monthly/yearly kitna paisa deposit karoge? Maturity amount aapko account khulne se 21 saal baad ya beti ki shaadi hone pe milega, whichever is earlier.

Reply

VISHWA May 17, 2015 at 6:51 PM

Sir, i have one RD a/c running at 9 % with approx 2 lakh rupees. It
will mature in oct 2016 with value 4 lakh. EMI is 11000 pm. Since RD
interest is going to be chargeable from june, is it advisable to close
RD and deposit amount in Sukanya samriddhi a/c ?.or
should i keep RD going and open fresh SSA .What do you suggest?
I am confused as FD rates have also gone down.

Reply

Shiv Kukreja May 18, 2015 at 1:38 PM

Hi Vishwa,
I think SSA/PPF accounts are much better investments as compared to FDs or RDs. So, it is always better to switch to SSA/PPF/Equity SIPs as compared to FDs/RDs.

Reply

VISHWA May 18, 2015 at 1:43 PM

Thanks for the info Sir. In any case i am opening SSA a/c for my daughter.She is 1 year old now. I was just wondering i should keep RD going as its interest will be around 50k at maturity and will be TAX chargeable and i can invest separately for SSA a/c as well.

Reply

sangeeta gupta May 17, 2015 at 10:27 PM

10 saal ki beti honewali hai 3000 / month jama karenge to kitna rupya milega aur agar beti ki saadi 21 warsh me ho jaati hai to kitna milega aur kab milega vistar se batane ki kripa karen.

Reply

Shiv Kukreja May 18, 2015 at 1:40 PM

Sangeetaji, 21 saal mein shaadi hone pe kitna milega, ye to main calculate nahin kar paaonga. But, 14 saal baad agar shaadi hoti hai, to aapko Rs. 10,28,252 milega as per the table above.

Reply

AJAY PATRIAKR May 19, 2015 at 5:35 PM

SIR,
MAI AGAR ONE TIME RS. 1,00,000 DEPOSIT KAR SAKTA HU KYA
TO MUJE MATURITY KE WAQT KITANA AMOUNT MILEGA

Reply

Shiv Kukreja May 22, 2015 at 11:23 AM

Agar aap har saal Rs. 1,00,000 deposit karte hain to maturity pe aapko Rs. 53,37,642 mil sakta hai @ 9.20% per annum.

Reply

AJAY PATRIAKR May 19, 2015 at 5:40 PM

SIR,
MAI AGAR ONE TIME RS. 1,00,000 DEPOSIT KAR SAKTA HU KYA
TO MUJE MATURITY KE WAQT KITANA AMOUNT MELEGA

Reply

neelam May 19, 2015 at 9:49 PM

Whether TDs will be applicable on maturity value of sukanya scheme

Reply

Shiv Kukreja May 22, 2015 at 11:24 AM

No Neelam, there is no tax payable on the maturity amount as it is completely tax-free.

Reply

ankur agarwal May 20, 2015 at 8:40 AM

sir, merit beti 7 saal ki h 10000 per year Kansas maturity Lorna hoga

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Shiv Kukreja May 22, 2015 at 11:26 AM

Hi Ankur,
Agar aap har saal Rs. 10,000 deposit karte hain to maturity pe aapko Rs. 5,33,764 mil sakta hai @ 9.20% per annum.

Reply

Ravi Kumar May 21, 2015 at 2:40 AM

Hi Sir,

Under Nomination Facility- If the an unfortunate event of the death of the Parents.
Will the girl child get the complete plan amount?
Pls advise.

Reply

Shiv Kukreja May 22, 2015 at 11:29 AM

Hi Ravi,
The girl will get the balance amount plus interest and not the full maturity amount.

Reply

Pinku Ram May 21, 2015 at 4:47 PM

Sir,

Indian Bank, UBI Bank, Central Bank mein hai Ki Nahi ?

Reply

Shiv Kukreja May 22, 2015 at 11:30 AM

Pinkuji, ye aapko in banks mein ja ke pata karna hoga.

Reply

pritam May 22, 2015 at 7:34 PM

I have a 6 mnths old female child. If i start now for 10000 per year for 2 to 3 years and then after can i increase amount gradually per year.
for example 12000,13000,20000,30000 etc then after.

Reply

Shiv Kukreja May 23, 2015 at 12:03 PM

Yes Pritam, you can increase your contribution in the desired manner.

Reply

Samrat Dey May 22, 2015 at 7:49 PM

Sir ,
Agar deposit karte karte father ka death ho jata he tab ,my daughter ko maturity amount kab melegi?

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Shiv Kukreja May 23, 2015 at 12:06 PM

Hi Mr. Dey,
In case of the depositor’s death, the girl child’s legal guardians can continue with this scheme, if they desire to do so. In case nobody is willing to continue with the contributions, the girl child could close this account and withdraw the balance.

Reply

Samrat Dey May 22, 2015 at 7:51 PM

sir ,
if 2 years bad hum nehe deposit karpate tab ,keya hoga?

Reply

Shiv Kukreja May 23, 2015 at 12:08 PM

Mr. Dey,
This account is similar to a PPF account. In case nothing is deposited in a financial year, the account becomes inactive and there is a penalty of Rs. 50 per year to make it active again.

Reply

raaz May 23, 2015 at 4:14 PM

Hello my dear sir
After open account continue deposit 1000 every years .but in case of I can’t deposit. Can my daughter any interest or any profit.

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Shiv Kukreja May 23, 2015 at 5:54 PM

Hi Raaz,
Aapko ye account maintain karne ke liye har saal Rs. 1,000 deposit karna zaroori hai. Agar kisi saal aap Rs. 1,000 deposit nahin kar paate, to ye account inactive ho jaayega and aapko next year Rs. 50 penalty ke saath amount deposit karna hoga.

Reply

NIDHI May 23, 2015 at 4:33 PM

Dear Sir,

Meri beti june me 2 saal ki ho jaaygi … main sbi bank me form bharne gai thi par unko puri tarah se is sceem ke baare me nhi pata hai to mujhe kuch ajeeb laga maine jo pada hai main uske hisaab se main unko kaha ki mere monthly 2500 ka karna chati hu pur unhone kaha ki start kate waqt aapko 1000 hi krna padega phir baad me karte rehan to iska kya mtalab hua merko kya karna padega main chati hu ki maturity ke baad mujhe 15 lck wala amunt mile meri beti ko jis se uska future acha ho plz suggest kya pehla amunt jo hoga wahi har baar dena hoga …

Reply

Shiv Kukreja May 23, 2015 at 5:59 PM

Hi Nidhi,
Aap Rs. 1,000 se account open karwa leejiye. Account open hone ke baad aap har maheene Rs. 2,500 jama kar sakti ho. Zaroori nahin ki aapko har maheene Rs. 2,500 jama karana hi hoga, aap kam ya zyaada bhi jama kar sakti ho, aur saal mein kam se kam ek baat aur zyaada se zyaada jitni marzi baar jama kar sakti ho.

Reply

Krishan Gothwal May 24, 2015 at 2:00 PM

kya system Hindi spot nahi karta?

Reply

Dev Methwani May 24, 2015 at 4:39 PM

Sir,
Mujhe ek cheez confirm karni h sukanya yojna mei ki baki sab kuch theek h but after modi sarkar aur kisi aur ki sarkar banti h to kya ye yojna continued rahegi aur rate of interest wahi rahega ya bhut kam bhi ho skta h..
i mean modi sarkar k baad kisi aur ki sarkar banti h to ye scheme discontinued b ho skti h ki nhi…..
21 year baad meturity amount wahi hoga……jo chart pe abi h…??????????

Reply

Shiv Kukreja May 25, 2015 at 3:30 PM

Hi Mr. Dev,
1. Ye main nahin bata sakta ki next government is scheme ko continue rakhegi ya band kar degi.
2. Is scheme mein rate of interest har saal April 1 ko change hoga, jo ki 9.20% se kam bhi ho sakta hai aur zyaada bhi.
3. 21 saal baad jo maturity amount milega, wo definitely table mein diye gaye amount se different hoga. Table mein di hui figures 9.20% rate of interest ke according hain.

Reply

Manjulasatish May 25, 2015 at 5:07 PM

Sir ,

I hav opened SSY for my dau i m depositing 1000 per month can we deposited more in the end of the year fr ex 12000 wil b our scch amt but at the end of year can we deposit another 8000 so her yearly contrubtion wil b 20000 wat wil her final refund is it possible in this schme pls reply me

Reply

Shiv Kukreja May 25, 2015 at 10:10 PM

Yes, it is possible to deposit some extra amount in a lump sum payment.

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Amar jain May 26, 2015 at 1:19 PM

Sir,
21 sal ke bad Amount beti ko milega ya father ko aur agar 14 sal se pahale Amont jama karna band karde ya 2-3 sal jama kiya bad me nahi bhara ya father ki death ho jaye to kya hoga please batane ka kast kare

Reply

Shiv Kukreja May 26, 2015 at 2:29 PM

Hi Amar,
1. 21 saal ke baad maturity amount beti ko milega.
2. 14 saal tak har saal paisa na jama hone pe account inactive ho jaayega. Account activate karne ke liye Rs. 50 har saal penalty pay karni hogi.
3. Father ki death hone pe account close kiya ja sakta hai. Agar beti ya legal guardian chahen to account continue kar sakte hain.

Reply

rabindra bhuyan May 26, 2015 at 1:39 PM

Sir
meri betiko ab sirf one month hua hai kya main us keliye sukanya samridhi accounts khol sathahoon.agar main per month 2500 rupay diposit karunga meri betiko 21 sal bad kitne amount mil jayenge

Reply

Shiv Kukreja May 26, 2015 at 2:30 PM

Yes Rabindra, aap apni beti ke liye ye account khol sakte hain. Maturity value ke liye upar pasted table check keejiye.

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T NAVEEN KUMAR May 27, 2015 at 10:22 AM

Hi sir,

please reply me

my daughter is now 9 years old… if we started to pay 24000/- per year, how much money we can get after completion of her 21 age?

Reply

Shiv Kukreja May 27, 2015 at 1:01 PM

Hi Naveen,
This scheme is for 21 years from the account opening date. You cannot withdraw it as your daughter attains 21 years of age, unless she is getting married on 21. For maturity values as per your contribution, please check the tables above.

Reply

Ajay mishra May 27, 2015 at 12:26 PM

Sir, 1000 thousand/month ki rate se 14year me total jma 168000 hoga. Jo 9.2% se 21 sal tak 341000 hoga to kase 631000 some thing rate post office uale bata rah hai.

Reply

Shiv Kukreja May 27, 2015 at 1:04 PM

Ajayji, aapki calculation incorrect hai. 9.20% rate of interest se maturity value 21 saal mein Rs. 6,34,654 hogi.

Reply

surendra singh May 27, 2015 at 4:30 PM

Sir,
Mujhe ye jaana hai ki kya main pahale hi upcoming children whether it is girl or boy koi aisi hi similar scheme hai ,then please inform me.

Reply

Shiv Kukreja May 27, 2015 at 6:32 PM

Nahin Surendraji, aisi koi scheme nahin hai.

Reply

GHANSHYAM May 28, 2015 at 3:48 PM

sir meri ladki 9 sal ki thi jab mene khata khola sar mene socha ki 21sal sal ki hogi to mil jayege par ab 21 sal bad milege mene 2000 rupye dal diye hai ab me 1000 sal dal sakta hu kya koi pareshani to nhi ayegi please reply

Reply

Shiv Kukreja May 28, 2015 at 7:04 PM

Ghanshyamji, Rs. 1,000 deposit karne pe koi problem nahin hogi.

Reply

Pramod Kumar May 28, 2015 at 4:39 PM

Dear sir,
My daughter is 8 yr. old, if I will deposit 12000 thousand every year what amount I can get after maturity.

Reply

Shiv Kukreja May 28, 2015 at 7:06 PM

Hi Pramod,
At 9.20% per annum, your daughter will get approximately Rs. 640,517 after 21 years from the account opening date.

Reply

vikas dogra May 29, 2015 at 11:55 PM

Maturity amount b kya tax free hoga?

Reply

Shiv Kukreja May 30, 2015 at 12:02 AM

Yes Vikas, maturity amount bhi tax-free hoga.

Reply

ambresh May 30, 2015 at 8:58 AM

Mary beati ab 1.6 years old monthly 1000 bartha hu to after 21 years ke bad kithna amount melega

Reply

Shiv Kukreja May 30, 2015 at 3:05 PM

Hi Ambresh,
Rs. 1,000 per month contribution karne pe aapko 9.20% rate of interest se approximately Rs. 634,654 milega.

Reply

kavitha May 30, 2015 at 5:04 PM

Hi sir,
My daughter born in 26 september 2003,can i join her “sukanya samridhi Yojana “account in her name

Reply

Shiv Kukreja May 30, 2015 at 6:21 PM

Hi Kavitha,
Your daughter is not eligible for this scheme.

Reply

Naveen Parmar May 31, 2015 at 8:23 PM

Dear Sir,

My Daughter 10years old & want to deposit 2500/- per Months After that what i will get total maturity value after 21 Years.
Also suggest me whats relevant document required for Birth Certificate.

Kindly advise…………

RGDS
Naveen Parmar

Reply

Shiv Kukreja June 1, 2015 at 12:55 PM

Hi Mr. Naveen,
At 9.20% rate of interest, you’ll get approximately Rs. 15,86,634 by depositing Rs. 2,500 per month for 14 years. For date of birth proof, birth certificate is required.

Reply

Bishnu haldar June 1, 2015 at 2:21 PM

If the account holder of ssy dies? Then how the ssy will be conducted?

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Shiv Kukreja June 1, 2015 at 2:33 PM

Legal guardian of the girl or the girl herself would have the option to either close the account or fund it.

Reply

RANGANI RAMESH P June 2, 2015 at 12:12 PM

DEAR SIR

HDFC OR ICICI BANK KE E YOJNA KAB SURU HOGI
POST ME DEPOSITE KARNE ME PARESANI HOTI HE

Reply

Shiv Kukreja June 2, 2015 at 2:41 PM

Hi Rangani,
Aapke question ka answer ICICI ya HDFC Bank de sakte hain, mujhe iska idea nahin hai.

Reply

ABHILASHA June 2, 2015 at 2:56 PM

My daughter in 5 yrs old and I want a maturity value of approx 5 lakhs. Can you please let me know, what monthly amount do I need to deposit for this?

Reply

Shiv Kukreja June 2, 2015 at 10:18 PM

Hi Abhilasha,
As the rate of interest would change every year, a fixed per month contribution cannot be determined. But, I think the amount should fall between Rs. 500 to Rs. 1000 per month.

Reply

M NAVEEN June 2, 2015 at 9:13 PM

Sir,Kindly clarify my doubt.My daughter born on 27 January 2004 is already 11 years old.
How long do I need to pay the premium and what will be the maturity date of the scheme?
How do I go about to optimise the investment and gain the maximum yield?

Reply

Shiv Kukreja June 2, 2015 at 11:43 PM

Hi Naveen,
You need to deposit money for 14 years from the account opening date or till the time your daughter gets married, whichever is earlier. Your daughter’s account will get matured in 21 years from the account opening date or whenever she gets married, whichever is earlier. To get maximum return, one should deposit lump sum money as early as possible in a financial year.

Reply

vasudev June 2, 2015 at 11:03 PM

Dear sir
Sir meane apni ek bacchi ka post office mai ye police kera rekhi par mai ek SBI DSP account holder hu kya mai apne account ko bank mai transfer kr skta hu or kase. Or sir kya mai us installment ko direct apne account se credit kr skta hu kya

Reply

Shiv Kukreja June 3, 2015 at 2:30 PM

Hi Vasudev,
Iski jaankaari aapko apne bank se milegi.

Reply

prakash June 3, 2015 at 11:03 AM

My daughter birthdate is 01 01 2003 can she get the benefit of this scheme

Reply

Shiv Kukreja June 3, 2015 at 2:38 PM

No Praksah, your daughter is not eligible for this scheme.

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Deb June 3, 2015 at 3:55 PM

Sir
I have two accounts in favour of my daughters in Post Office.
May I transfer above accounts from post office to bank? Kinly inform.

Reply

Shiv Kukreja June 3, 2015 at 4:02 PM

That is what you need to decide Deb. Some people are comfortable with post offices and some with banks. But, you can transfer your accounts from post offices to banks.

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vasudev June 3, 2015 at 4:35 PM

Sir thnx
Sir mane bank se pucha tha par vo bolte hai ki post office se pta kre . Ab mai kya kru

Reply

Shiv Kukreja June 3, 2015 at 8:40 PM

Vasudevji, SBI ne ye accounts kholne shuru kar diye hain – https://www.sbi.co.in/portal/web/govt-banking/sukanya-samriddhi-yojana

But, agar aapki branch abhi ye accounts nahin khol rahi to aap post office mein account khol sakte hain aur baad mein SBI mein transfer karwa sakte hain.

Reply

chandra prakash June 3, 2015 at 5:41 PM

sir my daughteris old 4 years and i am contrebutsan 12000 per anum

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Shilpipandey June 3, 2015 at 6:21 PM

Sir,my daughter is 6years old. I Invest Rs 18,000 yearly tell me in which age get maturity and If I withdraw in age of 18 , I get only 50% of principal
amount or 50% with interest.

Reply

Shiv Kukreja June 3, 2015 at 8:43 PM

Your daughter’s account will mature when she turns 27 or when she gets married, whichever is earlier. At the age of 18 years, you can withdraw 50% of the balance amount (principal + interest).

Reply

G Karunakar June 3, 2015 at 8:16 PM

sir, I have one one year old girl.
I already deposited 1,50,000 for the first year .If I deposit only 1000 per year for the remaining 13 Years, What would be the total amount after maturity

Reply

Shiv Kukreja June 3, 2015 at 8:44 PM

Sorry, we do not entertain such individual calculations.

Reply

Swapna June 5, 2015 at 3:09 PM

Sir in both the table you have given I could not understand how did you get the amount could you please explain me how did u get the middle row figures….I’m totally confused

Reply

Shiv Kukreja June 5, 2015 at 4:13 PM

What’s the confusion Swapna? Middle row figures are calculated with yearly/monthly contributions earning interest @ 9.20% for 14 years.

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Suman mishra June 7, 2015 at 7:09 AM

hi sir
mai ssy a/c pnb mai open krna chahta hoon. post office or bank k benifit mai koi anter hai.pls advise
montly 1000 to kitna paisa maiximum jama kr sakte hai pls reply

Reply

Shiv Kukreja June 7, 2015 at 12:54 PM

Hi Suman,
Bank ya post office, is scheme ke benefits mein koi difference nahin hai. Ek saal mein maximum Rs. 1.50 lakh jama karwa sakte hain.

Reply

Sunil suri June 7, 2015 at 4:12 PM

Is shukanya samriti yojna maturity amount tax free?

Reply

Shiv Kukreja June 7, 2015 at 6:36 PM

Yes Sunil, maturity amount you get in Sukanya Samriddhi Yojana would be tax-free under section 10(11A) of the Income Tax Act, 1961.

Reply

Sukanta Mohapatra June 7, 2015 at 11:38 PM

HI,

The date of birth of my daughter is 17th April 2014. Is she eligible under Sukanya Samriddhi Yojana ?

regards
Sukanta

Reply

Shiv Kukreja June 9, 2015 at 6:29 PM

Yes Sukanta, your daughter is eligible for this scheme.

Reply

Swapna June 8, 2015 at 8:19 AM

When contributing 1000 per yr how is the figure coming to 28000 it would be 14*1000=14000.the interest will be calculated after v pay for 14 yrs I.e from 14 to 21 yrs not from the first yr of payment …..if im not right please let me know I have the post office image which does not match with ur figures

Reply

Shiv Kukreja June 9, 2015 at 6:28 PM

Hi Swapna,
Your deposited amount will start earning interest from the day/month you make your first contribution.

Reply

Shailendra Pal June 9, 2015 at 5:44 PM

Sir,

yadi main 14 yrs tak installment pay nahi kar paya to mujhe kis intrest rate se paisa wapas milega aur kab milega

Reply

Shiv Kukreja June 9, 2015 at 6:24 PM

Hi Shailendra,
14 saal agar aap paise jama nahin karenge to account inactive ho jaayega.

Reply

Vijay Kumar June 9, 2015 at 7:32 PM

Sir,
We have two daughter, one is 6 years old and other is 2 years old
1. If we deposit Rs. 1000 per year for first daughter for 14 years. At that time my daugher will become 20(14+6) years old and we will wait only for 1 year.
2. If we deposit Rs. 1000 per year for second daughter for 14 years. At that time my daugher will become 16 (14+2) years old and we will wait for 5 year.

We just connfirm, What is the deference b/w first and second daugher’s amount at the age of 21 years and Remaining 1 year for first daugher and 5 years for second are interestable or not.

Please reply as soon as possible.
Thanks,
Vijay Kumar

Reply

Shiv Kukreja June 10, 2015 at 12:01 PM

Hi Mr. Vijay,
Maturity will happen after 21 years from the account opening date and not when your daughters turn 21.

Reply

Kalyan prasad June 15, 2015 at 9:10 AM

Sir, very sorry to say that maturity will be at the age 21 years of child, not 21 years from the date of account opening.
If child age is 6 years, then deposite period will be 14-6, that is only 8 year, after that total amount will be treated as FD amount for next 7 years. Finally at the age 21 years of child the policy become mature.

Reply

manoj kumar gupta June 10, 2015 at 9:51 AM

Sir, sir my two girls first 7years old and second 4years old .sir me janana chahata hu ki meri badi daughter ki age after 14 years 7years+14 years-21yeara sir to kya mujhe pura benifeet milega.please inform me.

Reply

Shiv Kukreja June 10, 2015 at 12:04 PM

Hi Mr. Manoj,
Maturity will happen after 21 years from the account opening date or when your daughter gets married, whichever is earlier. Your daughter’s age of 21 years has nothing to do with the maturity of this scheme.

Reply

nizamuddin aulia June 23, 2015 at 6:52 PM

i am nizamuddin A. i am intresting in sukanya samridhi yojana but just i want conform it if after start this scheme payer will death or daughter then how to pay or how to gets please.

Reply

Rajesh June 10, 2015 at 1:24 PM

Dear sir,
meri pass 2 ladki he or
ek 5 saal ki or dusri 2 saal inke naam me per month 1000/- jama karta hu
5 saal ki ladki ki saadi me usko 18 saal pure hote hi karne ka plan he
to kya iski saadi par ye sari payment sukanya se mujhe mil jayega ya nahi

Reply

Shiv Kukreja June 10, 2015 at 11:30 PM

Yes Mr. Rajesh, 18 saal poore hone ke baad aap jab bhi apni beti ke shaadi karte hain, tab aap apni jama raashi interest ke saath nikaal sakte hain.

Reply

nagendra June 11, 2015 at 2:16 PM

Sir yadi parents ko kuch ho jata hai to baki installment ki responsibility kiski hogi indl ya phir post office

Reply

Shiv Kukreja June 11, 2015 at 11:45 PM

Post office ki koi responsibility nahin hogi instalment deposit karne ki. Legal guardian ya aapki beti is scheme ko continue kar sakte hain ya amount withdraw kar sakte hain.

Reply

sangeeta gupta June 12, 2015 at 7:26 AM

Meri beti ka DOB 05/09/2004 hai.kya uska SSY Account open ho sakta hai.pls tell me.

Reply

Shiv Kukreja June 12, 2015 at 1:41 PM

Yes Sangeeta, aapki beti is scheme ke liye eligible hai.

Reply

vasudev June 12, 2015 at 3:10 PM

Sir
Mai army mai hu or mane apni bacchi ka account ghar pr khulva rekha hai kya mai uski paymnt apne field post office se kr skta hu kya ya fr all indiaa ke kise bhi post office mai jma kra skte hai kya

Reply

Shiv Kukreja June 12, 2015 at 3:18 PM

Vasudevji, jis post office mein account open hua hai, usi post office mein paise jama karwaane honge.

Reply

Mahesh June 13, 2015 at 8:40 AM

Sir, I opened sukanya account in post office at my native , now I shifted to city, can I transfer account to any bank in city.

Reply

mukesh Kumar June 13, 2015 at 12:57 PM

sir 18 04 2011 meri betiya ki dob hai , or mera account open hua hai jan 2015 m , meri maturity date 2036 m ho gyi agr meri betiya ki Sahdi 2030 m ho jati hai to mujhe sare paise vapis mil jaye gye or kya rate of interest mila gya with thanks mukesh

Reply

Shiv Kukreja June 15, 2015 at 7:10 PM

Hi Mr. Mukesh,
Agar aapki beti ke shaadi 2030 mein ho jaati hai, to aap balance amount with interest 2030 mein withdraw kar sakte hain.

Reply

Rashmi shetty June 13, 2015 at 1:37 PM

Can we deposit different amt. in every month for e.g. in this Rs.1000 next I want to deposit Rs.5000.

Reply

Shiv Kukreja June 15, 2015 at 7:11 PM

Yes Rashmi, you can do so. However, it is not compulsory to deposit money on a monthly basis.

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Rajkumar June 13, 2015 at 3:02 PM

Dear sir iam Rajkumar, iam interested to join the good scheme but my daughter nearly reached age of15, so pls advise any kind of scheme .

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Shiv Kukreja June 15, 2015 at 7:12 PM

Hi Mr. Rajkumar,
Your daughter is not eligible for this scheme. But, if you can take risks, you can invest in good diversified equity mutual funds.

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siddu June 13, 2015 at 3:06 PM

sir
iam one daughter only 2years monthly 1000 rupess wait for 21 years

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Purnachandra rao saimpu June 13, 2015 at 5:11 PM

Nice scheme

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sangeeta solanki June 14, 2015 at 8:37 AM

Sir at present my daughter is 7 yrs after 14 yrs she will turn 21.Plz tell me whether she will get the benefit after 14 yrs or on when she gets married say 24 yrs.

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Shiv Kukreja June 15, 2015 at 7:16 PM

Hi Sangeeta,
Your daughter’s account will mature in 21 years from the account opening date (2036) or whenever she gets married (say when she turns 24), whichever is earlier.

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Suraj June 15, 2015 at 2:53 PM

Hi sir,
meri ek ladki hai (DOB – 03-03-2015)
me par year ssy me 12000 thousand deposit karuga to 21yer me ladki ko kya maturity milengi aur Kitane saal tak amount deposit karna hoga .

Reply

Shiv Kukreja June 15, 2015 at 7:26 PM

Hi Suraj,
Aapko 14 saal tak amount deposit karna hoga aur maturity pe aapko approximately Rs. 640,517 milenge.

Reply

Amar Nayak June 15, 2015 at 4:06 PM

If I pay Rs 12000/- every month & if I discontinue paying after 7-8 years, due to some reasons, What will happen to the my already paid amount for 7-8 years, will it fetch interest @ 9.2%, if the withdraw is on maturity after 21 years of my daughters age.

Reply

Shiv Kukreja June 15, 2015 at 7:31 PM

Hi Amar,
Maturity will not happen when your daughter turns 21. It is 21 years from the account opening date or whenever your daughter gets married, whichever is earlier. If you do not deposit money every year till 14 years, your account will become inactive. However, whether it will earn interest or not, it is still not clear.

Reply

Amar Nayak June 16, 2015 at 1:17 PM

Thanks for the reply to my previous query, still a small doubt, What is the timeframe for and account to get inactive, is it if I forget to pay in any month it will get deactivated or is it in a period of one year If I don’t pay any amount it will get deactivated.

Reply

Shiv Kukreja June 16, 2015 at 3:11 PM

Non-deposit of money in a financial year is the trigger for making it inactive.

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Virendra Kumar Pal June 16, 2015 at 4:19 PM

Hi. This is Virendra. I am looking for a term plan with option for waiver of premium in case of permanent disability. I have chosen Kotak Preferred ETerm Plan, which has this option, and which has more than 90% Claim Settlement Ratio in FY 2013-14. Kindly suggest whether it is good as other options like ICICI iProtect, HDFC Click 2 Protect, SBI eshield, Max Life Insurance, etc. don’t have this option, which I think is must while taking term insurance. I have heard a lot about HDFC plan, but it doesn’t have waiver of premium in case of Permanent Disability.

Also, whether i should take 2 policies of 50 lakhs each or only 1 policy of 1 crore, and if 2 policies, then from same company or two different companies.

Thanks and regards
Virendra

Reply

Shiv Kukreja June 16, 2015 at 6:19 PM

Sorry Mr. Virendra, we do not entertain such individual queries here on this forum.

Reply

S P Yadav June 16, 2015 at 4:25 PM

Dear Mr. Shiv Kukreja,

I have two daughters having date of birth 31.01.2006 and 28.08.2008 respectively. As per your report, I can open two separate account for both children with max. permissible limit will be Rs 150000/- per year per child. Ok…. Now, My query is : Is it tax free at the time of maturity or withdraw @ 50% of the balance for higher education or marriage ?

Regards

(S P Yadav)

Reply

Shiv Kukreja June 16, 2015 at 6:20 PM

Hi Mr. Yadav,
Withdrawal would be tax-free on both the occasions.

Reply

pinku June 17, 2015 at 8:49 AM

Sir mere ek beti h uski dob 12/3/2007 h uska mene ac khulva diya h muje kab tak jama karvana padega or ye pese muje kab vapis milenge plz sir meri help kare

Reply

Shiv Kukreja June 17, 2015 at 12:36 PM

Hi Pinku,
Aapko 14 saal paise deposit karne honge aur beti ki shaadi hone pe aapki beti paise withdraw kar sakti hai.

Reply

Anoop June 17, 2015 at 9:38 AM

Sir,
Meri beti 4 years ki hai aur mujhe uski marriage uske 21 years per karni hai. If main ssy a/c aaj open karwata hu to mujhe kitni maturity milegi.

Reply

Shiv Kukreja June 17, 2015 at 12:42 PM

Hi Anoop,
Maturity value aapke contribution, timing of contributions aur rate of interest pe depend karegi.

Reply

Narsingh June 17, 2015 at 2:28 PM

Sir kya iska premium payment net banking se ho sakta hai. Meri job transferable hai. Pls mention all the payment modes.

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Shiv Kukreja June 19, 2015 at 8:12 PM

Hi Narsingh,
Online transfer facility has not been introduced as yet by the banks. But, it will be introduced by the banks in future.

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Narsingh June 17, 2015 at 2:36 PM

If somebodys daughter is 07 yrs old so he has to pay the premium for next 7 yrs till she is 14 yrs or one has to pay full 14 yrs till she is 21 and further one can leave the amt for more 7 yrs till she is 28 if he wants.

Reply

Shiv Kukreja June 19, 2015 at 8:15 PM

One has to deposit amount for complete 14 years, till 21 years of your daughter’s age in your case. The account will get matured as your daughter gets married or as she turns 28, whichever is earlier.

Reply

sanjay verma June 17, 2015 at 4:30 PM

sir,
meri beti ka date of birth 2014 last me hua hai our mene rs 1000 yearly
ka a/c open kiya hai to muche 18 year ke me kitna minega with intrest ke sath
sir plz reply me thanks

Reply

Shiv Kukreja June 19, 2015 at 10:47 PM

Sorry Mr. Sanjay, it is not possible for us to do such calculations.

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madhu singha June 17, 2015 at 10:28 PM

kya SSY acct transfer ho sakta hei???

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Shiv Kukreja June 19, 2015 at 10:51 PM

Yes Madhu, SSY account is transferable.

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Niraj Kumar June 17, 2015 at 10:30 PM

Sir can u pls help me to know that on completion of 18 yrs of girl age can she herself withdraw the money or parents have any role while withdrawing the money like joint account in which both must b agreed. Situation may arise when girl may follow a way wrong or right a different issue but what if she misled her life by this ammount. Like conflict view on marriage or marriage without parent agreement or run away marriage. On first it may look like orthodox view but when parent save pie by pie and give their whole effort in bringing up child’s then they will surely think .Thanks in advance.

Reply

Shiv Kukreja June 19, 2015 at 10:54 PM

Hi Niraj,
This account is for your girl child and she will have complete authority on this account as she attains 18 years of age. After that, she can use this account as she likes. You will have no say in operation of this account after that.

Reply

subhash biswas June 18, 2015 at 12:04 PM

Today I opened ssa for my daughter Lovely. I want to know that do I have to deposit a fix amount for each year? Can I deposit 30000 first year, 20k in 2nd year…like this unfixed sequence? One more question.. Can I deposit the total 30k(on a certain year) in any unfix sequence like 10k+5k+7k+8k in anytime throughout that year?

Reply

Shiv Kukreja June 19, 2015 at 11:10 PM

Yes Subhash, you can do both these things.

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mukesh Kumar June 18, 2015 at 2:41 PM

sir one que. more , sir agr meri beti ki shadi 2030 m ho jati hai, to tab beti ke marriage ke pahle (7 days ) piase mil jaye gye ya bad m mile gye with thanks mukesh

Reply

Shiv Kukreja June 19, 2015 at 11:13 PM

Paise shaadi se pehle nikaal sakte hain.

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AMIT KUMAR June 18, 2015 at 4:41 PM

DEAR SIR,
MERI DAUGHTER KI D.O.B 02-06-2013 HAI , MAINE USKA SSY ACCOUNT OPEN KIYA HUA H , SIR MAI MONTHLY 2000 RUPEE DEPOSIT KARATA HU, TO HAME AFTER 21 YEAR KITNA AMOUNT MILEGA
OR SIR, MAI BAHAR JOB KARTA HU TO HAR MAHINE DEPOSIT NHI KAR PATA ,LEKIN 2YA 3 MAHINE KE BAD PURA 2YA 3 MAHINE KA EK SATH DEPOSIT KAR DETA HU TO SIR ESA KARNE SE INTREST TO KAM NAHI MILEGA………. PLEASE SIR REPLY

Reply

Shiv Kukreja June 19, 2015 at 11:18 PM

Hi Amit,
Aap jab paise deposit karenge, interest usi date/month se calculate hoga. Jitna late deposit karenge, interest utna kam earn kar payenge. Maturity amount ke liye upar pasted table check keejiye.

Reply

ramesh chand soni June 19, 2015 at 9:12 PM

Sir my daughter with her daughter is settled in US but both were born in INDIA. I want to know a girl child who was born in INDIA and currently living in US can open Sukanya Samriddhi Yojana. Please reply.

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Shiv Kukreja June 21, 2015 at 8:14 PM

Hi Mr. Ramesh,
NRIs are not eligible for this scheme.

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priya June 19, 2015 at 10:31 PM

Meri beti ki dob 15-03-2015 hai main isibmonth say account khulwaungi so btayie benefit kita hoga….mujhe pay kitna karna padega 14 years tak

Reply

Shiv Kukreja June 21, 2015 at 8:15 PM

Hi Priya,
Aap is scheme mein Rs. 1,000 se Rs. 1.50 lakh tak ek financial year mein deposit karwa sakte ho. Maturity amount aapke contribution pe depend karega.

Reply

Rajni June 20, 2015 at 4:38 PM

Consider account opened at the age of 9yr. And marriage happens at the age of 21yr. Then Maturity period came even before 14yr installments completion. Plese clarify for above scenario, till what age installments need to be continued and when it will be matured.

Reply

Shiv Kukreja June 21, 2015 at 8:18 PM

Hi Rajni,
Girl child can withdraw the whole balance & close the account as & when she gets married, even before completion of 14 years from the account opening date.

Reply

SOMESH June 20, 2015 at 5:33 PM

SAR MAA PAPAKI SUKANYA ACOUNT OPEN CHESAAM DATE (01-03-2015) MEMU IPPATINUNDI 164000/-14YEARS,LO PAY CHEYALA LEKAPOTE MONTHLEY ? KATTALI PLEASE ANSWERME SIR (MA PAPA- D/B=15-4-2005 DEEPIKA)

Reply

SOMESH June 20, 2015 at 6:14 PM

sir hamara betike SUKANYA ACOUNT OPEN kardiyahi DATE (01-03-2015) hum abse 164000/-14YEARS,keliye kethna amount MONTHLEY pay karna hi PLEASE ANSWERME SIR (hamara beti- D/B=15-4-2005 DEEPIKA)

Reply

SOMESH June 20, 2015 at 6:18 PM

sir hamara betike SUKANYA ACOUNT OPEN kardiyahi DATE (01-03-2015) hum abse 164000/-14YEARS,keliye kethna amount MONTHLEY pay karna hi PLEASE ANSWERME SIR (hamara beti- D/B=15-4-2005 DEEPIKA)

Reply

Shiv Kukreja June 21, 2015 at 8:19 PM

Hi Somesh,
Aapki query clear nahin hai.

Reply

akhilesh June 20, 2015 at 7:40 PM

Sir , meri beti ki dob 02-05-2005 hai mujhe kitan time tak payment karna hoga .

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Shiv Kukreja June 21, 2015 at 8:20 PM

Hi Akhilesh,
Aapko 14 years tak pay karna hoga, yaani 2029 tak.

Reply

shriram June 20, 2015 at 7:55 PM

sir,
we have two daughter one 8 years and other 6years old
1. dono ka ek hi account hoga ya alag alag hoga.
2.ek ka post office me and dusry ka bank me khulwa skte hain kya
3.kisi ek girl ka gardian parents k alawa ho skta hain kya

Reply

Shiv Kukreja June 21, 2015 at 8:22 PM

Hi Shriram,
1. Aapko dono ke liye alag alag account khulwana hoga.
2. Yes, khulwa sakte hain.
3. Yes, ho sakta hai.

Reply

rupam June 21, 2015 at 3:20 PM

Dear sir,I have started SSA for Rs 1500 monthly IN the name of my daughter since 20/03/2015 bearing DOB 02/12/2006.PLS tell me ,up to how many years,I will have to deposit the same and what will be the MATURITY AMOUNT.

Reply

Shiv Kukreja June 21, 2015 at 8:27 PM

Hi Rupam,
You’ll have to make deposits till 14 years from the account opening date i.e. till 2029. For maturity amount, please check the table above.

Reply

J K MEHTA June 21, 2015 at 9:19 PM

Sir,
My Daughter’s DOB Is 21/05/2006. So,Is She Eligible To Take Benefit Of ‘Sukanya Samriddhi Yojana’ ?

Thank you.

Reply

Shiv Kukreja June 21, 2015 at 9:45 PM

Hi Mr. Mehta,
Your daughter is eligible for this scheme.

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vipin June 22, 2015 at 7:10 AM

Mery beti 6 year ki hai kabtak amaut jma karna ho ga

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Shiv Kukreja June 22, 2015 at 11:15 PM

2029 tak Mr. Vipin.

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ankitrajdubey June 22, 2015 at 8:58 PM

Sar meri beti hai uska a.c khulwana hai kya mahine ka 1500 ka bhi plan hai kit

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Shiv Kukreja June 22, 2015 at 11:16 PM

Hi Ankit,
Aapko saal mein minimum Rs. 1,000 deposit karna zaroori hai.

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jaydeepsinh June 22, 2015 at 11:05 PM

Hi, sir mera name Jaydeepsinh he meri bety ki DoB 18 Nov 14 he to kya me ye account khulva sakta hu…or me rahne Vala Gujarat ka hu but service Lucknow me karta hu to as account me yaha khulva sakata hu kya

Reply

Arvind June 23, 2015 at 6:28 AM

Hi Jaydeepsinh
Yes aap apni beti ka account khulwa sakte hai. yes aap ye account Lucknow me bhi khulwa sakte hai aapke pass identity prove and address prove hone chhahiye

Reply

aditsa June 22, 2015 at 11:36 PM

Ssy a/c dena bank ahmedabad in which branches ? Plse give list

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Arvind June 23, 2015 at 6:30 AM

Hi Aditsa
You can open in any Dena Bank Branch.

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Arvind June 23, 2015 at 6:23 AM

Sir, we can deposit for 14 years or till 21 years?

Reply

Shiv Kukreja June 23, 2015 at 5:19 PM

Hi Arvind,
You need to deposit money for 14 years from the account opening date.

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Rakesh June 23, 2015 at 6:49 AM

Hi,
There is no information mention if within the tenure earning parent expire then what will be the provision. Is the account continue as it is or need to withdraw and who will be nominee in this condition..?

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Shiv Kukreja June 23, 2015 at 5:21 PM

Hi Rakesh,
In case the depositor dies, the girl child or the legal guardian of the girl child has the option to either continue funding the account or withdraw the balance & close the account.

Reply

neeraj kumar June 23, 2015 at 12:45 PM

Meri betide 18 march 2015 ko born hui hai main a/c open karba sakta hu

Reply

Shiv Kukreja June 23, 2015 at 5:25 PM

Yes Neeraj, aap apni beti ka account open karwa sakte hain.

Reply

Venkatachalam R June 23, 2015 at 5:50 PM

Hello, myself and my wife are planning to deposit the amt on monthly basis in SSA. Shall we avail the tax exemption for both? Thanks.

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Shiv Kukreja June 24, 2015 at 6:12 PM

At present, only one depositor is allowed for one account. So, it seems only the depositor can claim the tax exemption.

Reply

ravi June 23, 2015 at 7:20 PM

Hello sir, thanks for introducing us to this wonderful scheme in duch details. My girl is 1 yr 8 months old. After 19 yr 4 months, she will complte 21 yrs. If I start scheme now, then what would be the maturity, if i give 50 k per year

Reply

Shiv Kukreja June 24, 2015 at 6:14 PM

Hi Ravi,
This scheme will mature after 21 years from the account opening date and not when your daughter turns 21. For maturity values, please check the tables above.

Reply

Rajib Chakraborty June 24, 2015 at 3:21 PM

Very useful scheme

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mohammad riyazuddin June 25, 2015 at 10:43 AM

Hi sir. I have one daughter whose date of birth is 01042014. Am I eligible for say scheme. If I deposit 2500 rd per month then how much money would I gain after maturity. Pls give answer as soon as possible.

Reply

Shiv Kukreja June 26, 2015 at 7:13 AM

Hi Mohammad,
Your daughter is eligible for this scheme. For maturity values, please check the table above.

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priyanka June 25, 2015 at 12:33 PM

Hi Shiv,
If the girl child is 10 years old..this means the amount has to be deposited till she turns 21 years..although still 14 years for deposit havent been completed??

Thanks

Reply

priyanka June 25, 2015 at 12:41 PM

Hi Shiv,

Even if the girl child is 10 yeras…deposit till 21 years of age??

Reply

Shiv Kukreja June 26, 2015 at 7:19 AM

Hi Priyanka,
If the girl child is 10 years old, you need to deposit money till she turns 24. Account will mature when she turns 31 (10 + 21) or when she gets married, whichever is earlier.

Reply

ram June 26, 2015 at 11:42 AM

hello sir I open a account for my niece d/b 19-06-2006. If I deposit 2000 Rs every month what would amount she gets after 21 year complete OR at a time off marriage. Please explain me I oblize u.

Reply

Shiv Kukreja July 1, 2015 at 2:04 PM

Hi Ram,
After 21 years from the account opening date, she will get approximately Rs. 12,69,307 @ 9.20% annual rate of interest.

Reply

shrishail June 26, 2015 at 12:07 PM

Hello,sir this scheme wonderful

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Garima arora June 26, 2015 at 6:01 PM

If daughter age is 8 year & I will give 1.2lack per year so what will be the maturity at 21 year

Reply

Shiv Kukreja July 1, 2015 at 2:05 PM

Hi Garima,
After 21 years from the account opening date, maturity amount would be approximately Rs. 64,05,171 @ 9.20% annual rate of interest.

Reply

krishna June 28, 2015 at 8:04 AM

sir meri beti 9years 4 month ki hai mai her month 1000 jama karti hun to mai yeh rashi kab tak jama karugi or beti ke ketnay years mai kitnay rupay melege please reply

Reply

Shiv Kukreja July 1, 2015 at 2:11 PM

Hi Krishna,
Aapko paise 14 saal tak deposit karne hain, ya aapki beti ki shaadi hone tak. Account khulne ke 21 saal baad aapki beti ko approximately Rs. 6,34,654 milenge @ 9.20% annual rate of interest.

Reply

BHOLA SAH June 29, 2015 at 6:57 AM

Sir,
Meri Beti ka D.O.B 20/08/2004 (10Year 10 Months Running) hain Agar main A/c khulwana chahe to Khul Sakta hain. (1 Yr Grace Period kab tak hain.)

Reply

Shiv Kukreja July 1, 2015 at 2:13 PM

Bholaji, aapki beti ka account khul sakta hai. Grace period December 1, 2015 tak hai.

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Dr.Deepak Sharma June 30, 2015 at 10:36 AM

If parents of a girl dead unfortunately what is rule and regulations. How do you help of that girl. Thanks

Reply

Shiv Kukreja July 1, 2015 at 2:15 PM

Hi Dr. Deepak,
If any such unfortunate event occurs, then the girl child/legal guardian can withdraw the balance amount & close the account OR continue funding it till maturity.

Reply

Shiraj Maulana July 1, 2015 at 9:09 AM

I need to open two son fixed deposit every month I pay 2000rs can this possible

Reply

Shiv Kukreja July 1, 2015 at 2:16 PM

Your query is not clear Mr. Shiraj.

Reply

siva July 1, 2015 at 10:41 AM

sir meri beti 2years ki hai mai her month 1000 jama karti hun to mai yeh rashi kab tak jama karugi or beti ke ketnay years mai kitnay rupay melege please reply

Reply

Shiv Kukreja July 1, 2015 at 2:18 PM

Aapko paise 14 saal tak deposit karne hain, ya aapki beti ki shaadi hone tak. Account khulne ke 21 saal baad aapki beti ko approximately Rs. 6,34,654 milenge @ 9.20% annual rate of interest.

Reply

Subhash verma July 1, 2015 at 1:57 PM

Sir ji maine pahale bhi ques. Pucha tha maine meri beti ka SSA me khata khulvaya h. Meri beti 9 ki H . M Rs.1500/- monthly Jama Karwa Raha Hu. Yadi M 14 sal Bad Withdrawl Karna Chahu To Kitna Return Milega

Reply

Shiv Kukreja July 1, 2015 at 2:21 PM

Subhashji, aap 14 saal baad 100% balance withdraw nahin karwa sakte. Aapki beti apni shaadi hone pe 100% balance withdraw kar sakti hai.

Reply

Ritesh mathur July 1, 2015 at 5:49 PM

Sir my daughter D B is 15.03.2006 and I want dep 2500 pm then pls tell me that when or which year and how much money get back.

Reply

Shiv Kukreja July 1, 2015 at 7:24 PM

Hi Ritesh,
You need to deposit money for 14 years i.e. till 2029. For maturity values, please check the table pasted in the article above.

Reply

Anand July 2, 2015 at 6:44 AM

Hi Sir, I want to know about if I am fail to deposit in middle stage, what about initial amount deposit,

Reply

Shiv Kukreja July 2, 2015 at 3:01 PM

Hi Anand,
I you fail to deposit money on a regular basis, your account will become inactive and you’ll have to pay penalty to get it active again.

Reply

SK Chaubey July 2, 2015 at 9:35 AM

M samjhna cjahta hu meri beti ka age 9.3year hai. agar suknya yojna 1000/- Per month paid krta hu to use sadi me time kitna pais milega.

Reply

Shiv Kukreja July 2, 2015 at 3:03 PM

Chaubeyji, shaadi pe kitna paisa milega, ye shaadi ki timing pe depend karega ki shaadi kab hoti hai.

Reply

POOJA THANGWAL July 2, 2015 at 9:52 AM

Sir, now my daughter is 4 years old if i deposit 50k per month then pls tell me that when or which year and how much money get back.
if the government will change in this period so that case who will refund our money….
if the new government is not allowed this scheme so what we do that time…

Reply

Shiv Kukreja July 2, 2015 at 3:27 PM

Hi Pooja,
1. 50K per month is not allowed. Rs. 1.50 lakh is the upper limit.
2 & 3. I have no idea what will happen if the government gets changed.

Reply

pooja July 2, 2015 at 10:03 AM

Shiv Kukreja ji sir aapne upar ek sawal ka ans. diya h ki ” aapki beti apni shaadi hone par 100% withdraw kara sakti h ” iska kya matlab hua kya aap clearly understand kara sakte hain, sir agar meri beti k 19 years pure hone par a/c ko 14 years pure hote h, or agar uski shadi 20 years me ho to us case me kya hoga sir? kya tab b 100% ho sakta h, ar agar haan to kya karna hoga use.

Reply

Shiv Kukreja July 2, 2015 at 3:31 PM

Yes Pooja, aapke case mein 20 saal mein shaadi hone pe aapki beti 100% balance amount withdraw kar sakti hai. Aapki beti ko age ka affidavit aur shaadi ka declaration submit karna hoga.

Reply

sandeep soni July 2, 2015 at 10:05 AM

Sir my daughters birth date is 7.7.04 he.kya uska ssy me khata khul sakta he?or yadi abhi se 14 sal tak har sal 1.5 lakh jama karne par me kab pese nikal sakti hu.yadi 2030 me uski shadi hoti he to kya me pese nikal sakta hu .or mujhe us samay kitna amount milega.

Reply

sandeep soni July 2, 2015 at 10:11 AM

Sir my daughters birth date is 7.7.04 he.kya uska ssy me khata khul sakta he?kya mujhe 2029 tak pese jama karne hoge?or yadi 2030 me uski shadi hoti he to us time kya me pese nikal sakta hu?yadi me 1.5lakhs har sal jama karta hu to mujhe 2030 me kitna amount milega?

Reply

Shiv Kukreja July 2, 2015 at 3:34 PM

Hi Sandeep,
1. Yes, aapko 2029 tak paisa deposit karna hoga.
2. Yes, shaadi hone pe aapki beti ko paisa withdraw kar ke account close karna hoga.
3. Sorry, hum individual case calculations nahin karte.

Reply

pooja July 2, 2015 at 10:12 AM

sir ek sawaal or beti ka a/c uske parents carry karte hain, or a/c open kiye hue only 3 to 4 years hue h or agar beti k 7 or 8 years pure hone par agar uske parents ko kuch ho jata h like any accident, agar wo handicap ho jate h ya uski death ho jati hai, ya kuch b esa ho jisse beti ka a/c carry karne wala koi na ho to kya hoga. reply soon sir…

Reply

Shiv Kukreja July 2, 2015 at 3:37 PM

Hi Pooja,
Us case mein beti/parents/legal guardian balance amount withdraw kar ke account close karwa sakte hain.

Reply

ram dutt July 2, 2015 at 12:01 PM

sir my daughter going to complete 5yrs on 3rd august.so to get 5 lacks maturity value, how much i have to deposit per month

Reply

Shiv Kukreja July 2, 2015 at 3:38 PM

Approximately Rs. 900 per month deposit karna hoga as per 9.20% rate of interest.

Reply

amit July 3, 2015 at 9:16 AM

Hello,this SSI is for poor people’s or rich people’s also

Reply

Shiv Kukreja July 4, 2015 at 6:45 PM

Hi Amit,
Anybody can get this account opened.

Reply

amit July 3, 2015 at 9:17 AM

Sorry SSY

Reply

k.Sundaramoorthy July 3, 2015 at 3:43 PM

Please can you give the comparison statement for nvestement with Lic as like you have given for PPF.

thanks
regards
K.Sundaramoorthy

Reply

laxmi July 3, 2015 at 5:17 PM

Sir agar after 18year ladki bhag me sadi karti hai aur parents ka air koi saving Na ho to paisa kya ladki ko mailegi

Reply

Shiv Kukreja July 4, 2015 at 6:46 PM

Yes Laxmi, is scheme ka paisa beti ko hi milega.

Reply

laxmi July 3, 2015 at 5:23 PM

Bhag ke aur koi

Reply

iqbal singh July 3, 2015 at 6:28 PM

hello sir .mujhe puchna hai ke agar kisi ladki ki death ho jati hai in between 14 years of sending money time.what will hapn

Reply

Shiv Kukreja July 4, 2015 at 6:47 PM

Hi Iqbal,
Ladki ko kuch ho jaata hai to depositor ko paisa mil jaayega.

Reply

krishna July 4, 2015 at 7:32 AM

sir agar account kulne kai baat mai kuch years baat rupay nahi bhar payi to mere deposite ke gaye rupay duub jayge please tall me

Reply

Shiv Kukreja July 4, 2015 at 6:48 PM

Aapke paise boobenge nahin, but account inactive ho jaayega.

Reply

boddulabhoomanna July 4, 2015 at 11:25 AM

sir if girl is expired in accident what is the scheme stage

Reply

Shiv Kukreja July 6, 2015 at 6:46 AM

I didn’t get your query.

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satendra singh July 4, 2015 at 2:46 PM

sM samjhna cjahta hu meri beti ka age 08 year hai. agar suknya yojna 40000/- Per month paid krta hu to use sadi me time kitna pais milega.

sM samjhna cjahta hu second meri beti ka age 06 year hai. agar suknya yojna 40000/- Per month paid krta hu to use sadi me time kitna pais milega

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Shiv Kukreja July 6, 2015 at 6:48 AM

Satendraji, is scheme mein Rs. 40,000 per month deposit nahin kar sakte.

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Deepak soni July 5, 2015 at 6:21 AM

Hi
Sir good morning
Nice sehecm ssy

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Deepak July 5, 2015 at 8:15 AM

Sir meri beti ki age 3 years h aur har mahine 2 thousand rs jama karta hu tuo kitne saal tak jama karni hoge aur kitna amount milage beti ko air sir kya net banking ke through account check kar sakta hu kya pls give ans

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Shiv Kukreja July 6, 2015 at 6:57 AM

Hi Deepak,
Aapko 14 saal paisa deposit karna hoga, yaani 2029 tak. Maturity value ke liye upar pasted table check keejiye. Aapko apne bank se check karna hoga ki wo net banking facility provide kar rahe hain ya nahin.

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Devi Dayal July 5, 2015 at 1:32 PM

Sir meri ki dob 13/10/2011 h.mene is scheeme me uska khata kulwa dia h.sir mene shuru me 1000 rs jma krwae h .sir jese mene phle sal 1000 rs jma krwae h or me agle sal 2000 rs jma krwata hu to age b muje 2000 hi jma krwane h ya me km jydav krwa skta hu.

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Shiv Kukreja July 6, 2015 at 6:58 AM

Hi Devi Dayal,
Aap kam ya zyaada paise jama karwa sakte hain.

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Devi Dayal July 5, 2015 at 1:36 PM

Sir agr parents ki death ho jati h to paisa kb milega kisko milega or kitna milega

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Shiv Kukreja July 6, 2015 at 7:01 AM

Parents ki death hone pe beti balance amount immediately nikaal sakti hai. Amount kitna hoga, ye time of withdrawl pe depend karega.

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Devi Dayal July 5, 2015 at 1:40 PM

Sir isme jese 14 sal dene ke bad 50%paise wapis mil jate h agr wo le le to 21 sal bad kitne paise milege

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Shiv Kukreja July 6, 2015 at 7:03 AM

Ye annual rate of interest pe depend karega.

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Pankaj Kamboj July 5, 2015 at 4:34 PM

Dear sir,meri beti 3.5 saal ki hai, main har mahine suknya samridhi yojna me 1500 rupey jama karunga, toh 21 saal k baad kitne rupey meri beti ko milenge, please reply

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Shiv Kukreja July 6, 2015 at 7:31 AM

Pankajji,
Upar pasted table ke according aapki beti ko Rs. 951,981 milenge.

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Pankaj Kamboj July 7, 2015 at 5:47 PM

Thank you Shiv Kukreja ji

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shiv Prasad Maurya July 6, 2015 at 10:22 AM

Sir meri beti ki age 04 sal h mai 14 sal tak 2000 month jama karte h. Jab meri beti ki age 21 sal ki hogi to hume kitne rupaye milege.

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Shiv Kukreja July 7, 2015 at 5:54 PM

Shiv Prasadji, aapki beti ko uski age 21 saal hone pe nahin, uski marriage hone pe ya account khulne ke 21 saal baad balance amount milega.

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mahesh tanwar July 7, 2015 at 8:57 AM

meri beti 4 year ki 1000 month deposit karunga to 21 years ke baad kitne milenge

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Shiv Kukreja July 7, 2015 at 5:56 PM

Maheshji, aapki beti ko 21 saal baad approximately Rs. 634,654 milenge @ 9.20% per annum.

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nirav July 8, 2015 at 10:11 AM

Dear sir,
I am working out of country not for permanent, but only for 5 to 6 yes,
Am I go for this scheme?
Thanks,

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Shiv Kukreja July 10, 2015 at 1:44 PM

Hi Nirav,
Only Resident Indians are eligible for this scheme.

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Saurabh Jindal July 9, 2015 at 6:15 AM

Thanks for helping with your answers. My daughter is 8 years old. I have few questions on SSY on which i need your expert advice:-
a. We need to deposit contribution for period of 14 years i.e. till my daughter 22 years old. Is my understanding correct.
b. Till what date in month can I deposit contribution, so that I can earn interest for full month.
c. if my daughter gets married at age of 26 years, account is required to be closed. Can we use maturity proceeds for her marriage expenditures or we need to spend money from your savings.

Thanks

Reply

Shiv Kukreja July 10, 2015 at 1:47 PM

Thanks Saurabh,
a. That’s Right.
b. Till 5th of every month.
c. Your daughter can withdraw the balance amount before her marriage in order to meet her marriage expenses.

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shoaib khan July 9, 2015 at 8:19 AM

How can we apply please send instructions

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Shiv Kukreja July 10, 2015 at 1:48 PM

You need to visit an authorised bank branch or a post office, they will guide you the complete procedure.

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Dinesh July 9, 2015 at 5:38 PM

Is it mandatory to stop the investment after 14 years or shall we continue investment for 21 years. If yes then how would be the returns if the deposit is 5k per month.My daughter is 4 months old.

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Shiv Kukreja July 10, 2015 at 1:49 PM

Hi Dinesh,
You cannot deposit money beyond 14 years.

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harjinder singh July 9, 2015 at 7:55 PM

hello sir.
meri beti abi 2 month ki hai agar me 10000 sal ka kawata hu to meje 21 sal bad kitna milega sia.

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Shiv Kukreja July 10, 2015 at 1:51 PM

Hi Harjinder,
As per the table above, the maturity amount would be approximately Rs. 533,764 @ 9.2% per annum.

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dhokalram July 10, 2015 at 7:57 AM

meri bati 8year ki ha 1000 mantly bharana 18year ki hona par kitana milagy kitane year tak bharana padega

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Shiv Kukreja July 10, 2015 at 1:51 PM

Hi Dhokalram,
18 saal ki hone pe balance amount ka 50% hi withdraw kar sakte hain.

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Saurabh July 10, 2015 at 3:26 PM

Thanks for your expert advice.
I am few more queries:-
1. My wife got SSY account opened for my daughter and deposited 1000/ to account (my wife is parent\guardian in my daughter SSY account). Can my wife and myself both can deposit money in my daughters SSY account.
2. My wife is parent\guardian in my daughter SSY account. Can i add my name on my daughter SSY account in future (so that i can avail tax benefits under 80C)

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Ravi Kumar July 10, 2015 at 11:14 PM

Dear sir Mera acc jis date ko open hua or 1 sal bad same date ko agar kisi karn se jama karne me 1..2 din late ho jaye to or kisi or post office me b jama kar sakte h kya sir

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Shiv Kukreja July 11, 2015 at 10:18 AM

Hi Ravi,
1. Aapko ek financial year mein sirf ek baar amount deposit karna hai, wo aap kabhi bhi kar sakte hain.
2. Aapko paise usi post office mein jama karwaane honge jisme aapka account khula hai.

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Ravi Kumar July 10, 2015 at 11:18 PM

Sir agar kisi ladki ki 14 year deposit ke bad Or maturity se pehle kisi karn se death ho jaye to kya hoga

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Shiv Kukreja July 11, 2015 at 10:19 AM

Beti ko kuch ho jaata hai to balance amount with interest depositor ko mil jaayega.

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MARUTI July 31, 2015 at 8:02 AM

Sir,
Maine account open kiya hai mai per month 1500/- deposit karu to muje maturity amount kitini milegi

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vasudev July 11, 2015 at 3:27 AM

Sir
Mane ye account post offc mai khulva rekha hai. Aur ab main ye account SBI bank khulvna chahta hu taaki main online SBI se ye amont de sheku. Toh kya ab muje post offc ka account band krana pdega.ya sir muje koi acchi guidelines do taaki mai ye account SBI bank mai khulva seeku.

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Shiv Kukreja July 11, 2015 at 10:15 AM

Hi Vasudev,
Aap ye account post office se SBI mein transfer karwa sakte hain.

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harshit gupta July 11, 2015 at 5:41 AM

sir can we apply for this yojna online …

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Shiv Kukreja July 11, 2015 at 11:00 AM

No Harshit, online application facility is not there.

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vasudev July 11, 2015 at 11:17 AM

Sir
Jsa ki aapne btaya ki account post office se SBI bank main transfer ho skta hai tho muje post office mai kya document dene honge. Or postmaster ki kya karwahi hai jo ise tfr kr sake

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Shiv Kukreja July 15, 2015 at 11:18 AM

Hi Vasudev,
Ye saari information aapko post office se leni hogi.

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Santosh Jha July 12, 2015 at 4:09 AM

Hi Sir I want to know that in the period of scheme depositer not alive than what to do?

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Shiv Kukreja July 15, 2015 at 11:19 AM

Hi Santosh,
In case of the depositor’s death, the girl child will have the option to either withdraw the balance amount or continue funding the account.

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Saurabh July 12, 2015 at 5:40 AM

Hi Shiv,

My wife is depositor in SSY account with SBI . My wife checked with SBI, they said I can also contribute deposits to SSY account. As it is not possible to make online deposit to SSY account, can I deposit to my daughter account using cheque.

Thanks
Saurabh

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Shiv Kukreja July 15, 2015 at 11:20 AM

Yes Saurabh, you can do so.

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Pankaj Kamboj July 12, 2015 at 9:52 AM

dear kukreja sir, namaskar,

kya main apni beti ke sukanya samridhi account me pure saal ki amount ek sath (ekmust) jama kara sakta hun,
please reply

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Shiv Kukreja July 15, 2015 at 11:21 AM

Namaskar Pankaj Ji,
Yes, aap poore saal ka contribution ek baar mein kar sakte hain.

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Pankaj Kamboj July 15, 2015 at 6:11 PM

Thanks
Shiv Kukreja Ji

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vasudev July 13, 2015 at 6:13 AM

Sir
Jsa ki aapne btaya ki account post offc se SBI bank tfr ho skta hai pr post offc wala mna kr rehe hai ab main kya kru

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Shiv Kukreja July 15, 2015 at 11:23 AM

Hi Vasudev,
Kuch mahine wait keejiye, jab post office ke paas poori information aa jaayegi, tab aap account transfer karwa sakte hain.

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sandeep July 13, 2015 at 9:41 AM

Sir I want to ask one more question. Mujhe jyadad se jyada interest pane ke liye kis date tak bank me paise jama karwane hinge.

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Shiv Kukreja July 15, 2015 at 11:25 AM

Hi Sandeep,
Aap April 1 se 5 ke beech mein paise jama kar denge to aapko maximum interest milega.

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shyam sunder July 13, 2015 at 11:11 AM

Mery beti 9 saal ki hai. Main ise 5 saal hi chala sakta hoon.yadi main 5000/per month jama karoo to maturity par(21 year ke baad) mujhe kitni rakam milegi. Please sir bataiye

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Shiv Kukreja July 15, 2015 at 11:27 AM

Shyam Sunder Ji,
Aap poore 14 saal tak paise jama karwa sakte hain, yaani aapki beti ki age 23 hone tak. Maturity values ke liye upar pasted table check keejiye.

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Anil Kumar July 14, 2015 at 9:40 AM

Sir mere daughter 11 yr ki hain ager main 2000 par month dalta hu to sir jab vo 21 year ki hogi to kitna paise milenge

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Shiv Kukreja July 15, 2015 at 2:34 PM

Hi Anil,
21 saal account opening date se calculate honge. Beti ki age 21 saal hone pe maturity amount nahin milega.

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ramesh July 14, 2015 at 3:12 PM

suknya samradhi account scheme me agar koi 8 yrs age per a/c open karwata hai to kya use 29 years of age per muture amount milega. kya wo isase pahle 24 age per shadi ke liye pura mature amount nikal sakta hai

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Shiv Kukreja July 15, 2015 at 2:40 PM

Hi Ramesh,
Shaadi hone pe balance amount nikala ja sakta hai. But, balance amount upar table mein diye gaye maturity amount se kam hoga.

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Tannu July 16, 2015 at 1:31 PM

Dear sir i hv opened SSY a/c for my daughter who is 9 yrs old for Rs 1000 monthly. Is it possible to deposit cummulative(at a time) amount say 50,000 at a time .Tks

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Shiv Kukreja July 24, 2015 at 1:32 PM

Yes Tannu, you can deposit Rs. 50,000 in a single transaction.

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Alpesh July 17, 2015 at 12:41 PM

sir
Mai Abhi Job Daman Me kar Raha Hu Mai Proper Gujrat ka hu to Daughter
Ka Account Mai Kya Daman Me open kara sakta hu?
mere pass Daman Ka koi Identi proof Nahi He

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Shiv Kukreja July 24, 2015 at 1:33 PM

Yes Alpesh, aap Daman mein account open karwa sakte hain. Aapka Gujarat ka address proof chal jaayega.

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sunny July 18, 2015 at 7:47 AM

sir mera pahle se ppf account sbi me hai kya me ssy ka account post office me kulva sakta hu….

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Shiv Kukreja July 24, 2015 at 1:35 PM

Yes Sunny, aap SSY account khulwa sakte ho.

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shravan singh July 18, 2015 at 8:55 AM

Sir meri daughter 3 saal ki h or main ssy ka account open karwana chahta hn kya mujhe paise uski 18 year ki age m mil jayega please reply sir

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Shiv Kukreja July 24, 2015 at 1:37 PM

Hi Shravan,
18 saal ki age mein aap 50% amount withdraw kar sakte ho. Rest 50% beti ki shaadi pe ya uske 24 saal ki hone pe nikala ja sakta hai.

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Birjesh kumar July 18, 2015 at 9:03 AM

Sir kya ham yearly 12000 rs jama kara sakte h. Meri beti 9year ki h 21year me sadi karta hu kya pure rupye mil jayege.

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Shiv Kukreja July 24, 2015 at 1:39 PM

Yes Birjesh, aap yearly 12000 jama kar sakte hain. 21 saal mein shaadi hone pe aapki beti poora balance amount nikaal sakti hai.

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vijay yadav July 20, 2015 at 6:42 AM

Sir meri beti ki age 6 month hai mai agar aj se suru karta hu to pura rakam kab aur kitna milega

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Shiv Kukreja July 24, 2015 at 1:41 PM

Hi Vijay,
Agar aap 2015 mein deposit karna shuru karte hain to aapko 2036 mein maturity amount milega. Maturity amount aapke contribution pe depend karega.

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betsy July 21, 2015 at 11:35 AM

Sir, will the rate fall from 9.20% to a lower rate in the new financial year?

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Shiv Kukreja July 24, 2015 at 1:42 PM

Hi Betsy,
It could increase or decrease as per the interest rate movement.

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J RAMA KRISHNA July 22, 2015 at 4:28 AM

Namaskar Kukreja sir,
sir meri beti 01(one) year ki hai agar main 1000/- rupees/month SSY mein proper jama karta hu toh . closing balance. kitna milega.

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Shiv Kukreja July 24, 2015 at 1:43 PM

Namaskar Rama Krishna Ji,
Upar pasted table ke according aapko 21 saal baad Rs. 634,654 milenge @ 9.2% p.a.

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santosh kumar July 22, 2015 at 1:10 PM

my daughter age is seven if i deposit 60,000 per year how much amount i will get after maturity.

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Shiv Kukreja July 24, 2015 at 1:52 PM

Hi Santosh,
You’ll get Rs. 32,02,585 @ 9.2% p.a. as per the table pasted above.

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santosh kumar July 26, 2015 at 6:59 AM

my daughter age is seven if i deposit 1,50,000 per year how much amount i will get after maturity.

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ram lal July 23, 2015 at 10:42 AM

sir meri beti 2 years ki ho chuki hai hame par manth kitna diposit jama karna padega ar kitni year tak

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Shiv Kukreja July 24, 2015 at 1:55 PM

Ram Lal Ji,
Aapko saal mein ek baar kam se kam Rs. 1,000 aur zyaada se zyaada Rs. 1,50,000 jama karna hoga, account khulne se 14 saal tak.

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Madhu July 23, 2015 at 12:06 PM

Hi, I have asked in SBI whether we can open the account with wife and husband names as guardians. But they are saying that, with only one guardian name they can open the account. Opening with 2 spouse names are required in order to avail 80C benefits to both as per your earlier reply. Do you know if we can open with both parents names in sbi. Thanks.

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Shiv Kukreja July 24, 2015 at 1:58 PM

Hi Madhu,
Only one person can be the official depositor in the account. Once the account gets opened, any of the parents can make the deposit and claim the deduction u/s 80C.

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taniya July 23, 2015 at 1:02 PM

DEAR Sir,
Please tell me if couples are living seperately but still not divorced.Now since the child is with mother can’t she open sukanya account in her child’s name with husbands surname i.e child is still catrying fathers name but mother has all documents in madien name except for the birth certificate of the child and the marriage certificate.

Kindly advice.

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Shiv Kukreja July 24, 2015 at 2:01 PM

Hi Taniya,
The account will get opened as per your daughter’s name in her Birth Certificate. If the certificate doesn’t carry your daughter’s name, then you can get the account opened as per your choice of surname.

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yusuf khan July 23, 2015 at 5:29 PM

agar sir, hamne acount open hote samay 1000/- se jama kiya aur one year completed hone se pehle account me 10000/- poore kr diya to 10000/- ke hisab se maturity milegi. pleas help me.

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Shiv Kukreja July 24, 2015 at 2:04 PM

Hi Yusuf,
Aapko interest us date se milega jis date ko aapne paise deposit kiye hain. Agar Rs. 1000 aapne May mein jama kiye, aur Rs. 9,000 November mein, to Rs. 1,000 pe interest May se calculate hoga aur Rs. 9,000 pe November se.

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Naresh July 24, 2015 at 6:52 AM

Sir,Namaskar
mene apni beti ka SSY a/c post office me khulwaya h, mujko ye peta kerna h k after maturity 21 year wo pisa keval meri beti hi nikaal sakit hi ,ya jo usme guardians h wo bhi nekaal sekta h

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Shiv Kukreja July 24, 2015 at 2:06 PM

Nareshji,
Maturity pe ya shaadi hone pe paisa beti ko milega, kyunki account beti ka hai.

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Sandeep Sharan July 24, 2015 at 1:56 PM

Dear Sir,
I have opened an SSA in the FPO on 23 Jul 15 as i m in Air Force. My daughter’s DOB is 14 Jan 2013. I want to know –
1_can it be trnsferred to SBI?
2_For how many years (pls mention year) i have to deposit?

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Shiv Kukreja August 6, 2015 at 12:50 PM

Hi Sandeep,
1. Yes, it can be transferred to SBI.
2. You need to deposit money for 14 years i.e. 2029.

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Vinit G.B. July 25, 2015 at 5:49 AM

Dear sir,

My query is… Is it better to deposit money monthly or as a lumpsum annually? I mean which will yield more interest and which option is better?

My second query is… Will the money be handed over to the depositor i.e, me on maturity or to my daughter only. ( Irespective of whether she is married by then or not)?

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Shiv Kukreja August 6, 2015 at 1:06 PM

Hi Vinit,
1. If you deposit money at the beginning of the financial year, then it would yield more interest.
2. Maturity value will be handed over to your daughter, whether married or not.

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Nanda July 25, 2015 at 11:24 AM

Hi sir, please advise i have opened account in post office with initial deposit 1000, and in next month i wil deposit 2000, so in 80 c how much i need to show

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Shiv Kukreja August 6, 2015 at 1:07 PM

Hi Nanda,
You can claim up to Rs. 1.50 lakh under section 80C.

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Nanda July 25, 2015 at 11:27 AM

Hi sir i have opened ssy in postoffice is it possible to transfer to sbi as i have salary account in sbi

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Shiv Kukreja August 6, 2015 at 1:07 PM

Yes Nanda, you can transfer your SSY account from post office to SBI.

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Manoj Kumar July 26, 2015 at 6:33 AM

My daughter is studying in DAV public school.For age proof of her,I have got certificate from her school.Can I submit this certificate for opening an account of Sukanya Samriddhi Yojana. Is this certificate is valid in bank or post office.

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Shiv Kukreja August 6, 2015 at 1:10 PM

Hi Manoj,
I am not sure whether post offices/banks are accepting school certificate as age proof or not.

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Bhavana July 27, 2015 at 9:58 AM

Can i pay the cheque for SSA for my 7 years old granddaughter? Her mother and father are also there, but i want to open SSA for my granddaughter.

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Shiv Kukreja August 6, 2015 at 1:11 PM

Yes Mrs. Bhavana, you can do so by acting as her legal guardian.

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anjana agarwal July 28, 2015 at 6:03 AM

May i give rs 12500 per month or rs.150000 per year will it make any difference for maturity amount

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Shiv Kukreja August 6, 2015 at 1:15 PM

Yes Anjana, the earlier you deposit a higher amount, the higher would be the maturity value. So, Rs. 1.50 lakh deposited in the beginning of the financial year will earn you more than Rs. 12,500 per month.

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Madhu sundaram July 28, 2015 at 10:05 AM

Hello sir, sir i want to know that if the daughter get married before maturity of the SSA account that is 21 years .who has authority to withdraw the maturity amount Either depositor(Father) or account holder (Daughter.)

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Shiv Kukreja August 6, 2015 at 1:17 PM

Hi Madhu,
The girl child will have the authority to withdraw the maturity value or balance amount.

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ajay c sharma July 28, 2015 at 12:36 PM

sir,
pls, hindi me mere e-mail id par plan detail bhejiye jis se ki main asani se samajh saku

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Yatendra bala July 28, 2015 at 5:56 PM

Sir.
July 2010 me r d per kitne % interst tha.

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Shiv Kukreja August 6, 2015 at 1:18 PM

Hi Yatendra,
2010 ka RD ka data hamare paas nahin hai, please post office se contact keejiye.

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Sunil Patel July 28, 2015 at 6:40 PM

Sir Narmade har. . sir meri beti ki age 11 Year h.to mujhe kitne year minimum premium deposit karna h.

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Shiv Kukreja August 6, 2015 at 1:25 PM

Hi Sunil,
Minimum 14 saal ya beti ki shaadi hone tak, jo bhi pehle ho.

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Sunil Patel July 28, 2015 at 6:47 PM

Sir 9,2% Int guaranted h kya ? Aur sir 14 Year me aap jo acumaleted balance bata rhe he wo samajh m nhi aa raha h.ise please detail me bataiye

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Shiv Kukreja August 6, 2015 at 1:32 PM

9.20% guaranteed hai, but fixed nahin hai. Interest rate har saal 1st April ko change hoga. 14 saal tak har saal aapko paisa deposit karna hai, accumulated balance 14 saal baad ki approximate value hai @ 9.20% per annum.

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Rakesh July 29, 2015 at 7:11 AM

my baby age is 10 if I deposit 2000 per month what should I get after maturity

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Shiv Kukreja August 6, 2015 at 1:48 PM

Hi Rakesh,
As per the table above, you’ll get approximately Rs. 12,69,307 @ 9.20% p.a. after 21 years from now i.e. 2036.

Reply

Amit Betala July 30, 2015 at 11:08 AM

Hello,

Is it possible to open SSA account in two different location by two different people with same name with one year difference. Dad and Uncle, Dad or Mom. If no, How it is possible for them to check. Even PAN no ll be different. What are consequences if we open account and found later.

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Shiv Kukreja August 6, 2015 at 1:49 PM

Amit,
I would not like to respond to such queries.

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pramod kumari July 31, 2015 at 7:04 AM

Hi Sir I want to know that in the period of scheme depositer not alive than what to do?

If any Case Girl Child not alive than what to do?

Reply

Shiv Kukreja August 6, 2015 at 1:56 PM

Hi Pramod,
1. In case of an unfortunate event happening with the depositor, the girl child or her legal guardian can still continue the account by funding it further. They also have the option to withdraw the amount & close the account.
2. In case of an unfortunate event happening with the girl child, the depositor can withdraw the balance and close the account.

Reply

mohit Shrivastava July 31, 2015 at 9:42 AM

Hello sir
Sir meri beti abhi 1 sa ki hai aur main ye janna chahta hu ki agar main 2000 monthly se shuru karu aur 2-3 sa baad agar main 5000 monthly jama karna chahu to kya main ye kar sakta hu. Jisse mujhe beti ke liye jyaada maturity amount mile ?

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Shiv Kukreja August 6, 2015 at 1:57 PM

Yes Mohit, aap amount increase/decrease kar sakte hain.

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Ravi Kumar August 1, 2015 at 1:26 PM

Dear sir jis date ko mera acc open hua 1 saal bad same date ko agar m kisi or jagah hone ke karn 1….2 din bad me jama karu to koi dikkat to nahi or kisi dusre post office me b jama kar sakte h kya sir

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Shiv Kukreja August 6, 2015 at 2:02 PM

Hi Ravi,
Is scheme mein aapko saal mein sirf ek baar paise deposit karne zaroori hain, jo aap kabhi bhi kar sakte hain. Doosre post office mein paise deposit nahin kar sakte.

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atul kumar August 2, 2015 at 5:58 AM

dear sir agar pahile sal me 1000rupye bhare aur dusare sal me 5000 rupye bhare to chlega kya

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Shiv Kukreja August 6, 2015 at 2:02 PM

Yes Atul, chalega.

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KARAN August 2, 2015 at 8:42 AM

Dear sir,
Maine apne beti ke name se evry month 1000 rs jma krta ho. but agar mai 1000 ke jagah pe mai 2000 jma krna chahu tu kya kr skte hai ?
or ek hi name se kitna account open kr skte hai !
sir pls suggest me….

Reply

Shiv Kukreja August 6, 2015 at 2:05 PM

Hi Karan,
1. Yes, aap amount increase/decrease kar sakte hain.
2. Ek naam se sirf ek account open ho sakta hai.

Reply

KARAN August 2, 2015 at 8:47 AM

Dear sir,
Mai apne beti ke name se every month 1000rs jma krta ho.lekin agar mai everymonth 2000 jma krna chhau tu kya mai kr skta ho?
or ek name se kitne account bna skte hai
pls suggest me .

Reply

Dev Gujjar August 2, 2015 at 11:23 AM

Sir
mai janna chahta hu ki SSY me jma ki jane wali rkm kya eksath yaa alag alagkisto me kbhi km ya kbhi jyada jma kr skta hu

Reply

Shiv Kukreja August 6, 2015 at 2:08 PM

Yes Dev, aap ye sab kar sakte hain.

Reply

kkgupta August 3, 2015 at 4:34 PM

Sir, kya rate of interest 9% se kambhi ho Sakta hai. Aur as scheme me insurance bhi hai hai to kis ka daughter or guardian ka.

Reply

Shiv Kukreja August 6, 2015 at 2:20 PM

Hi Mr. Gupta,
Inflation girne pe interest rate 9% se kam bhi ho sakta hai. Is scheme mein insurance ka koi provision nahin hai.

Reply

devi August 4, 2015 at 10:57 AM

hi my baby is 4yrs and i want to deposit 30k per anm so what will be the maturity amount at the age 21yrs and i would like to know how many yrs i have to deposit it is 10yrs only

Reply

Shiv Kukreja August 6, 2015 at 2:23 PM

Hi Devi,
You need to deposit money for 14 years i.e. till 2029. Your account will mature in 21 years from the account opening date & not when your daughter turns 21.

Reply

Rahul Kumar August 4, 2015 at 3:58 PM

sir
plese mujhe ye bataye ki hum 1000 Rupay saal jama karenge to bad me 21saal bad kitna Rupaya milega

Reply

Shiv Kukreja August 6, 2015 at 2:25 PM

Rs. 1,000 jama karane pe aapko 21 saal baad Rs. 634,654 milenge @ 9.20% p.a.

Reply

Shiv Kukreja August 6, 2015 at 3:15 PM

Hi Rahul,
Aapko 21 saal baad approx. Rs. 634,654 milenge @ 9.2% p.a.

Reply

Sumang August 5, 2015 at 6:06 AM

Sir agar hum 1 saal rs.10000 karate hai to next yr Jada karva sakte hai ja nai

Reply

Shiv Kukreja August 6, 2015 at 3:04 PM

Hi Sumang,
Aap next year kam ya zyaada amount deposit karwa sakte hain.

Reply

anjali August 6, 2015 at 5:45 AM

Sir Namaste mai anjali meri daughter 5 month ki hai or mai 2000 ru. Jama karti hu eska maturity kitna huga 21 year me plz reply me

Reply

Shiv Kukreja August 6, 2015 at 3:06 PM

Hi Anjali,
Aapko 21 saal baad Rs. 12,69,307 milenge @ 9.2% per annum.

Reply

anjali August 6, 2015 at 7:01 AM

Mai anni beti ka Paisa 5 month se Kara rhi hu tu kitna maturity mileage 21 year me

Reply

jay praksh August 6, 2015 at 7:11 AM

dear sir
please bataye ki yadi mai account 1000rupye per month se kholta hu Lenin bhavisya me mai yah rashi 2000rs per month kr sakta hu kya?

Reply

Shiv Kukreja August 6, 2015 at 3:14 PM

Yes Jay Praksh, aap amount increase kar sakte hain.

Reply

mukeshkumar August 7, 2015 at 6:20 AM

Sir,
Please bataye ki yadi mai Account opening Rs,1000 se karbata hu,lakin iasi month 2000/3000k deposit kar sakta hu….
Agar kisi month deposit nhi kar paya to kiya hoga…
Account transfer ka facility hai kiya?

Thinking You
Mukesh Kumar

Reply

Shiv Kukreja August 10, 2015 at 7:37 AM

Hi Mukesh,
Aapko saal mein sirf ek baar paise deposit karna zaroori hai, every month paise deposit karna compulsory nahin hai. Aur aap amount increase ya decrease kar sakte hain. Account transfer bhi kar sakte hain.

Reply

rkgoswami August 7, 2015 at 8:33 AM

If i deposit 1000 rs.every year for my daughter.when she will attain after maturity upto 14years how muah amount we will get the maturity 21years age completed.tell me sir how much amount i will got for my daughter after 21year?

Reply

Shiv Kukreja August 10, 2015 at 7:41 AM

Hi Mr. Goswami,
It should be Rs. 634,654 after 21 years if the interest rate remains at 9.2% all these years.

Reply

dilip sharma August 8, 2015 at 8:15 PM

Sir I want my daughter act to open in andra bank rourkela Orissa but they said this type of act they didn’t started yet as all my act is here only can u plz tell how long will it take for my need

Reply

Shiv Kukreja August 10, 2015 at 8:12 AM

Hi Dilip,
Probably Andhra Bank, Rourkela branch is not opening these accounts. So, you should contact your nearest post office or any of the SBI/PNB bank branches.

Reply

abhishek August 9, 2015 at 10:37 AM

I want to deposit Rs. 12000 annually since current year and if i want to revise the amount and to increase the annual subscription from 12000 to Rs. 15,000 or more, then such modification/increase amount can be possible or not please suggest.

Reply

Shiv Kukreja August 10, 2015 at 8:17 AM

Yes Abhishek, it is perfectly fine to increase or decrease the amount.

Reply

Narendra Malviya August 9, 2015 at 1:11 PM

hello sir,
sir agar itne high returns ye plan de rha hai to india me koi bhi Lic ya private insurance company me policy nhi nikalega.

Reply

Shiv Kukreja August 10, 2015 at 8:22 AM

Narendraji,
I think investment point of view se insurance schemes worst investment hoti hain. So, nobody should take insurance policies for investment. Investment ke liye ye scheme ek achchi scheme hai.

Reply

Narendra Malviya August 9, 2015 at 1:25 PM

sir if someone is unable to pay the amount in future then what will happen to this plan does it will stop or lapsed.

Reply

Shiv Kukreja August 10, 2015 at 8:26 AM

Yes Narendra, if you are not able to deposit the amount, then the account will become inactive.

Reply

Pramod Kumar sethy August 9, 2015 at 3:38 PM

It is the best plan for our girl child and a good tax saving investment for all classes of people.

Reply

Arun mishra August 9, 2015 at 8:18 PM

Hi Sir,
Sir 21 yrs ke baad, maturity amount, apne aap account mai aa jaiega ya fir usse nikalne ke liye koi documentary formality karni hogi. Jaise signature ya fir kuch aur.
Mai esa isliye puch raha hu kyoki us waqt tak hamari age 50 yrs around hogi, agar signature match nahi honge, ya upar wala na kare ke mere saath mai he kuch defect ho jaegi ya injury ho jaegi, to us case mai ham money kese withdraw kar sakte hai.
Regard
Arun

Reply

Shiv Kukreja August 10, 2015 at 8:46 AM

Hi Arun,
Present system ke according aapko passbook surrender karni hogi aur withdrawal form sign karna hoga.

Reply

Arun mishra August 9, 2015 at 8:19 PM

Sorry
# saath- haath ( hand)

Reply

alok kumar August 10, 2015 at 12:51 AM

Yadi mai 500 har month jama karta hu to mature amt kya hoga meri beti ka age 3 sal hai

Reply

Shiv Kukreja August 10, 2015 at 8:49 AM

Hi Alok,
Aapko 21 saal baad 9.2% interest ke hisaab se Rs. 317,327 milenge.

Reply

shawez August 10, 2015 at 1:34 PM

Meri behen 10 saal ki h means 21 saal k baad vo 31 ki ho jaygi to 31 tak koi nahi rukega shadi ke liye and shadi to vese b 25 tak ho jaygi please ye confusion clear kr dijiye k larki ki age 21 k baad pesa milega ya account ko 21 years complete hone k baad.

Reply

Shiv Kukreja August 10, 2015 at 1:52 PM

Hi Shawez,
21 saal age se is account pe koi farak nahin padega. 21 saal account khulne ke baad calculate honge. But, aapki behen ko 31 saal tak wait nahin karna hoga. 18 saal ki age complete hone ke baad shaadi hone pe aapki behen account se saara paisa nikaal ke account close karwa sakti hai.

Reply

amit kaushik August 11, 2015 at 6:35 AM

dear mr.kukreja ji.plz tell me Maine abhi sukanya account khulwaya hai.meri beti abi 3 Year ki hai.mujhe ye puchna hai.ki mai saal me 12000/- Account me jama karna chahta hoo.kya mai 1finencial year me ek sath kisi bhi month me paisa jama kara sakta hoon.ya har mahine 1000/-jama karane honge.isse maturity me amount par to koi farak nahi padega.plz help

Reply

Shiv Kukreja August 11, 2015 at 6:49 PM

Hi Amit,
Aap ek saath paisa jama karwa sakte hain. Ek saath paisa jaldi jama karwane pe maturity amount zyaada milega.

Reply

samir kumar swain,.salipada.tiring. August 11, 2015 at 9:43 AM

Good scheme for all

Reply

Renu August 11, 2015 at 10:59 AM

Sir hum janna chahete h k hum apne account ke information Kaise Jaan sakte h

Reply

Shiv Kukreja August 11, 2015 at 6:50 PM

Hi Renu,
Aap apne account ki transactions passbook mein enter karwa sakti hain.

Reply

Balaji August 11, 2015 at 11:27 AM

I had just enquired about this scheme in SBI Bank today (and fortunately came across this post as well) and I was told that they need the photo of the girl child as well to start the account.

I found this missing in your post under the section “Which documents are required to open this account?” . Please add.

Reply

Shiv Kukreja August 11, 2015 at 6:52 PM

Thanks Balaji, I’ll add this info.

Reply

ishita joshi August 11, 2015 at 4:00 PM

Sir if I am unable to deposit money after few years , in that case my money will collapse or I will get the money back and when ( means immediately or After 21 years)

Reply

Shiv Kukreja August 11, 2015 at 6:54 PM

Hi Ishita,
To withdraw balance/maturity value, the account should be active. You can withdraw 50% balance as your daughter turns 18 and 100% after 21 years from the account opening date or when your daughter gets married, whichever is earlier.

Reply

Rohit Kumar patel August 12, 2015 at 3:14 AM

Sir policy mature “21years” bad ,marriage ke pahale pura paisa nikal sakate hai ya nahi.

Reply

Shiv Kukreja August 12, 2015 at 2:31 PM

Hi Rohit,
Marriage se pehle balance amount withdraw kar sakte hain.

Reply

Rajat patel August 12, 2015 at 3:07 PM

Sir mai apni daughter ki policy 500 rs. Se chalu karta hu aur is amount ko future me decrease kar sakta hu 14 salt take agar mai 500 rs per month jama karta hu to mujhe maturity periodke bad kitna amount milega

Reply

Shiv Kukreja August 12, 2015 at 5:12 PM

Hi Rajat,
Aapko saal mein sirf Rs. 1,000 deposit karna zaroori hai. 14 saal Rs. 500 per month deposit karne pe aapko Rs. 317,327 milenge @ 9.2% per annum.

Reply

balramchaudhary August 12, 2015 at 3:57 PM

Sir,
meri ek beti ki umra 6saal hai aur ek ki 3 saal hai agar 12000/- each yearly
jama karau to 21 saal bad kitna milega .

Reply

Shiv Kukreja August 12, 2015 at 5:15 PM

Hi Balram,
14 saal Rs. 12,000 har saal deposit karne pe aapko maturity pe Rs. 640,517 milenge @ 9.2% per annum.

Reply

Mohammad waseem August 12, 2015 at 5:36 PM

Sir plz inform me if i will open this policy and after some yrs my death.then what type of money comeback.or any insurance policy for my child goverment give.

Reply

Shiv Kukreja August 12, 2015 at 5:57 PM

Hi Mohammad,
First of all, there is no insurance clause in this scheme. Moreover, in case of your death, your daughter or her legal guardian has the option to either withdraw the balance amount and close the account or continue to operate it by funding it further.

Reply

Rajat umrao August 12, 2015 at 5:56 PM

Sir meri beti 9 yr ki h mai uski policy 500 rs. Per month14yr tak jama karta hu aur mai uski sadi 25 yr.me karta hu to sadi ke pahale agar amount nikalta hu to amount nikal aega maturity period complete ho ya na ho amount ek hi bar me Pura nikal aega

Reply

Shiv Kukreja August 12, 2015 at 6:02 PM

Hi Rajat,
25 years age pe shaadi hone pe aap 100% balance amount nikaal sakte hain. But, maturity amount and balance amount mein difference hoga kyunki tab tak 21 saal ki duration complete nahin hogi.

Reply

Navin Kedia August 12, 2015 at 8:32 PM

Sir,
Kya maturity amount bhi tax free hoga ?

Reply

Shiv Kukreja August 13, 2015 at 12:55 AM

Yes, maturity amount tax-free hoga.

Reply

Lata pandey August 13, 2015 at 10:30 AM

Hello sir meri beti 5 yyear ki hai agar mai 1500 per month dungi to maturaty amount kitna hoga

Reply

Shiv Kukreja August 13, 2015 at 7:40 PM

Approximately Rs. 951,981.

Reply

Ali mohd August 14, 2015 at 2:46 PM

Sir namste meri beti abi 8year ki he yadi me 2000 yearly jama karwata hu aor me uski age 18 yani 10 year baad kitna amount milega kiya me 10 year ke liye ye yojana le sakthu hu

Reply

Shiv Kukreja August 14, 2015 at 4:14 PM

Hi Ali,
10 years ke liye ye scheme nahin li ja sakti. 18 saal ki age mein aapki beti 50% balance amount withdraw kar sakti hai aur shaadi hone pe 100%.

Reply

pankaj shaw August 14, 2015 at 11:07 PM

sir
meri beti 3 month ki hai n mai 100000 (1 Lakh) deposit karta hu oe agle 13 year mai 1000 deposit karta hu to mujhe kitna return milega?

Reply

Shiv Kukreja August 17, 2015 at 2:14 PM

Hi Pankaj,
Please try to do such calculations in an Excel sheet, we cannot entertain such individual calculations.

Reply

ManMohan Yadav August 15, 2015 at 10:29 PM

Sir meri daughter 6 years ki hai or main 3000 rupees per month deposit karta hun.jab meri daughter 21years ki hogi to maturity amount kitna hoga???pls tell me.

Reply

Shiv Kukreja August 17, 2015 at 2:18 PM

ManMohan Ji, ye scheme aapki beti ke 21 saal poora karne pe mature nahin hogi, account khulne se 21 saal baad mature hogi.

Reply

Jamirul islam August 16, 2015 at 12:03 PM

Sir mai ye puchna chata hu ki mai 14 Sal tak 1000 Rs jama karta hu .to 14 Sal jama hone k bad kitne din ke bad ye rs maturuty hoga aur kitna hoga

Reply

Shiv Kukreja August 17, 2015 at 2:39 PM

Jamirul Ji, 14 saal poore hone ke baad aapko 7 saal aur wait karni hogi. 21 saal baad aapko Rs. 53,376 milenge.

Reply

Jamirul islam August 16, 2015 at 12:41 PM

Sir agar mai 2015 Se har sal 12000 Jama karta hu to .to kitne din bad aur kitna matruty milega

Reply

Shiv Kukreja August 17, 2015 at 2:53 PM

Aapko 21 saal baad Rs. 640,517 milenge.

Reply

Abhijeet August 17, 2015 at 9:04 AM

sir sukanya samridhi yojana 10 Saal par hone par khul rha hai ya 3 saal Par bhi khul sakta hai

Reply

Shiv Kukreja August 17, 2015 at 2:53 PM

Hi Abhijeet,
3 saal ki age mein bhi khul sakta hai.

Reply

pramod August 17, 2015 at 11:10 AM

Dear,

could you please confirm, is their any contribution from govt., and if any what is the amount and for how many periods.

Thanks

Reply

Shiv Kukreja August 17, 2015 at 2:57 PM

Hi Mr. Pramod,
No contribution will be made by the government in this scheme.

Reply

satish August 17, 2015 at 12:47 PM

Hi sir aap ek baat batao ki Maine six month pehle post office main ye scheme karwai hai , mere ko yeah puchna hair me unho me koi bhi document nahi diya sukanya scheme ka, WO sirf clear kardo ki is me liye passbook ke ilawa koi document dete hai ki nahi ,

Reply

Shiv Kukreja August 17, 2015 at 3:54 PM

Hi Satish,
Passbook/Statement ke ilawa koi document nahin milta.

Reply

Payal Rawal August 17, 2015 at 3:24 PM

Hi Sir,

My niece is 9 year old. if i m investing yearly 3000. pls advice how much amount she will get on the matuarity gae.

Reply

Shiv Kukreja August 17, 2015 at 4:16 PM

Hi Payal,
On maturity in 2036, your daughter will get Rs. 160,129 @ 9.20% p.a.

Reply

Payal Rawal August 17, 2015 at 3:42 PM

Hi Sir,

My niece is 9 year old. if i m investing yearly 3000. pls advice how much amount she will get on the matuarity age.

Reply

Omprakash Yadav August 17, 2015 at 3:54 PM

Dear Shiv Kukreja,

My daughter’s age is 6 years. I started depositing 12000 annually since 2015. Maturity amount after 21 years is 640,517. Lets say when she turns 18 and i get 50% of available balance which is X. So would i get (640,517-X) after 21 years? or is there any term?

Reply

Shiv Kukreja August 17, 2015 at 4:17 PM

Hi Mr. Yadav,
If you withdraw 50% balance when your daughter turns 18, then the maturity value will go down accordingly on maturity.

Reply

Shaukath Ali August 18, 2015 at 12:25 AM

Sar mera nem Shaukath Ali hai mera betee 9.8 yars Ki hai Keya main ye eiskim le sakta Hun SAR piles replays

Reply

Shiv Kukreja August 18, 2015 at 1:35 PM

Hi Mr. Shaukath,
Aapki beti is scheme ke liye eligible hai.

Reply

Hitesh ahuja August 18, 2015 at 1:37 PM

Sir
kya ye amount income tax me show kar sakta hu

Reply

Shiv Kukreja August 18, 2015 at 1:41 PM

Yes Hitesh, you can show it for tax deduction.

Reply

anjali August 18, 2015 at 2:06 PM

Sir Mai 29 july ko account khulwayi hu tu usi din Paisa dena padega kya

Reply

Shiv Kukreja August 18, 2015 at 2:22 PM

Nahin Anjali, aap saal mein kabhi bhi paise deposit karwa sakte ho.

Reply

pradeep kulhar August 18, 2015 at 7:46 PM

sir,
meri beti ki date of birth 27 feb 2005 hai. Agar mai Sep”2015 se 2000/- per month deposit karta hu or uski shaadi 25 yr ki age me karta hu yani year 2030 me to mujhe kitma maturity amount milega.
kya mujhe 12,81,034/- milega ya uske liye koi or calculation hai???

with regard…

Reply

Shiv Kukreja August 20, 2015 at 4:19 PM

Hi Pradeep,
Table mein diye huye amount maturity years pe milenge, yaani 2036 mein. Agar aapki beti ki marriage 2030 mein hoti hai to aapko kam amount milega.

Reply

amarjit kumar August 18, 2015 at 7:55 PM

meri girl ka age 9 years hai to mujhe kitna rupees jma karne par 600000 metrity milega

Reply

Shiv Kukreja August 20, 2015 at 4:20 PM

Hi Amarjit,
Contribution amount ke liye upar pasted table check keejiye.

Reply

sweta August 19, 2015 at 1:32 PM

Meri beti ki age 0 hai … 1000 per month 14 years tak deposit me 21 years me kya maturity amt milega

Reply

Shiv Kukreja August 20, 2015 at 4:21 PM

Approximately Rs. 634,654 @ 9.20% per annum.

Reply

sunil kumar August 19, 2015 at 8:31 PM

sir mane meri beti ka account post office me open kiya hai kaya mai usko sbi me le ja sakta hu agr asa ho sakta hai to tarika bataye

Reply

Shiv Kukreja August 20, 2015 at 4:22 PM

Yes Sunil, aap apna account SBI mein transfer kar sakte hain. Process aapko bank/post office se pata karni hogi.

Reply

vin August 20, 2015 at 7:42 PM

Sir, my daughter is 15days old. I want to pay annually. Can i start investment from next month?

Reply

Shiv Kukreja August 20, 2015 at 7:52 PM

Yes Vin, you can do so.

Reply

Shiv Shanker Gupta August 20, 2015 at 8:53 PM

sir meri beti ka DOB 02/06/2010 hai.Agr 1st october 2015 ko sukanya me Rs. 2000 p/m shuru karun to 21 yrs ke baad kitana milega ? Aur if beti ki saadi 22 yrs me karu to saadi ke time kitana milega ?

Reply

Shiv Kukreja August 21, 2015 at 2:32 PM

Hi Mr. Gupta,
For maturity value after 21 years, please check the table above, it is approx. Rs. 12,69,307 @ 9.20% p.a. You can calculate the balance amount as your daughter turns 22 years or any other age using excel sheet.

Reply

Shubham Debnath August 21, 2015 at 12:46 PM

Sir,
mey abivi kuaara hu. Sir meykea e policy karsaktahu ??

Reply

Shiv Kukreja August 21, 2015 at 2:33 PM

Hi Shubham,
Ye policy kisi girl child ke naam se hi shuru ho sakti hai.

Reply

Rahul Thakur August 21, 2015 at 4:38 PM

Hi,

Sir, i appreciate your article on this scheme. I have one query. Just wanted to know what would be the suitable date of deposit dates like in PPF 1st to 5th are considered for suitable date for deposit the money.

Please advice.

Thanks
Rahul Thakur

Reply

Shiv Kukreja August 21, 2015 at 4:44 PM

Hi Rahul,
It is the same as PPF.

Reply

Rahul Thakur August 21, 2015 at 5:31 PM

Thanks u Sir…!!!

Reply

Shiv Kukreja August 21, 2015 at 5:44 PM

You are welcome Rahul!

Reply

dhananjay yadav August 21, 2015 at 9:58 PM

Sir
Mery beti 5month ki hai Kya uska (ssy) account khul sakta hai

Reply

Shiv Kukreja August 23, 2015 at 7:37 PM

Yes Mr. Yadav, aapki beti ka account khul sakta hai.

Reply

prashant August 21, 2015 at 10:52 PM

Sir maine 17/04/2015 mai ssy siru ki hai aur 12000 per year jama karta hu kya mai 12000 se jayada rupees per year jama kar sakta hu. Plz reply

Reply

Manish August 22, 2015 at 3:27 PM

@Prashant, yes you can deposit more than 12000/- but maximum limit per financial year is 1,50,000/-.

Reply

Jitendra Singh Raghav August 22, 2015 at 10:47 AM

Shiv kukrejaji, namaskar_sir ye scheme kab launch ( chalu) ki gayi hai…

Reply

Manish August 22, 2015 at 3:45 PM

This scheme was launched by Prime Minister Sh. Narendra Modi on 22 January 2015.

Reply

Rintu Sinha August 24, 2015 at 2:33 AM

Sir please confirm whether an NRI can open this account for his girl child.

Reply

Shiv Kukreja August 24, 2015 at 11:49 AM

No Rintu, NRIs are not eligible for this scheme.

Reply

sandeep August 26, 2015 at 10:36 AM

sir Kya 9.2% rate agle 21 years rahega iski gyarantie he kya .Ya ye rate prati varsh change honge.

Reply

Shiv Kukreja August 31, 2015 at 4:57 PM

Nahin Sandeep, 9.20% rate of interest fix nahin hai, ye increase/decrease ho sakta hai. Har saal March mein ye rate revise hoga effective April 1.

Reply

Bs gill August 26, 2015 at 1:55 PM

Sir mae 2 lac rupees investment krna chahna 5 yrs lyi koi fd/rd scheme dso
7298576823
9086510414 my contact number

Reply

Shiv Kukreja August 31, 2015 at 4:59 PM

Mr. Gill, I think mutual fund SIP karna chahiye. Mujhe lagta hai SIP mein RD/FD se zyaada return milega.

Reply

GHANSHYAM MUKHIYA September 7, 2015 at 3:29 PM

SHIV JI, AAP NE “SIP” ME INVEST KARNE KA SUJJHAUW TO DE DIYA. LEKIN KYA AAPKO PATA HAI KI “SIP” ME INVEST KE KITNE TARIKE HAIN. ESME JOKHIM WALA BHI HAI. JISME PAISA DUB BHI SAKTA HAI.

MR. GIL JI, YADI AAP SACH ME PAISA INVEST KARNA CHAHTE HAIN TO AAP FD KARAYE. BAHUT AISE BANK HAIN JAHAAN AAP FD KARA SAKTE HAIN. AAP INTEREST AMOUNT REFUND CHAHTE HAIN YA SABHI 5 SAAL KE LIYE FIX KARNA CHAHTE HAIN. YE TYAY AAP KAR LE. APNI JAROORAT KE HISAAB SE.

Reply

Shiv Kukreja September 7, 2015 at 7:45 PM

Ghanshyamji, mujhe pata hai Mutual Funds mein risk zyaada hota hai, but paisa doobta nahin hai. Mutual Funds long term mein FD/RD se zyaada return dete hain. Main optimist hoon aur mujhe lagta hai ki agle 5-10 saal mein mutual funds should give higher returns than FD/RD.

Reply

krishna patil August 27, 2015 at 10:50 PM

This is a good scheme.

Reply

hari mohan singh August 29, 2015 at 12:27 AM

Sahi sahi information nahi pata chal pa rahi iss yojana ki bank waley koi bhi conform answer nahi datey ids kay barey may

Reply

Shiv Kukreja August 31, 2015 at 5:00 PM

Hi Mr. Singh,
Kisi financial advisor se consult keejiye aur usey poori scheme samjhane ko kahiye.

Reply

Prashant Gaikwad August 30, 2015 at 1:05 AM

I want to invest Rs1000 per month on my daughter’s name from 13 10 2015 I want to know how much amount she will get after maturity date and what will be the maturity date

Reply

Shiv Kukreja August 31, 2015 at 5:01 PM

Hi Prashant,
You’ll get Rs. 634,654 @ 9.20% p.a. after 21 years i.e. in 2036.

Reply

vishal August 31, 2015 at 12:51 AM

My contact no. Is 9811184588 . from Delhi. I want to take policy…please guide me sir…

Reply

Shiv Kukreja September 2, 2015 at 12:07 AM

Hi Vishal,
Just visit any of the servicing banks and it should not take you more than 5 minutes to fill the form and submit it there itself.

Reply

sanjeev August 31, 2015 at 11:07 AM

sir
can i deposit 1 st year 12000rs and there after i can change as per my financial condition every year, is this possible???

Reply

Shiv Kukreja September 2, 2015 at 12:07 AM

Yes Sanjeev, it is allowed to change your deposit amount.

Reply

Suraj Shivaji sutar August 31, 2015 at 12:53 PM

Sir. Agar mane. Per month Rs 1500
Jama kiya to maze 14 year ki bad kitne
Amount mileage

Reply

Shiv Kukreja September 2, 2015 at 12:10 AM

Hi Suraj,
14 saal tak aapko paise deposit karne hain, 21 saal ke baad aapko paise waapis milenge. Rs. 1,500 ke hisaab se aapko 21 saal baad Rs. 951,981 milenge @ 9.20% p.a.

Reply

Suraj Shivaji sutar August 31, 2015 at 12:55 PM

Sir. Agar mane. Per month Rs 1500
Jama kiya to muze 14 year ki bad kitne
Amount mileage

Reply

kapil verma September 1, 2015 at 9:29 AM

Sir, I have opened sukanya yogna account on 01/09/2015 ; in the name of my daughter who is now 5.5 year old. What amount will I receive after maturity, if I deposit 150000 per annum. Kindly reply.

Reply

Shiv Kukreja September 2, 2015 at 12:14 AM

Hi Kapil,
After 21 years on maturity, you’ll get approx. Rs. 80,06,464 @ 9.20% p.a.

Reply

kapil verma September 1, 2015 at 9:30 AM

Also give maturity date and year

Reply

Shiv Kukreja September 2, 2015 at 12:15 AM

It will mature in 2036.

Reply

kapil verma September 1, 2015 at 2:48 PM

Sir, I have opened sukanya yogna account in name of my daughter on 01/09/2015. She is 5.5 year old. If I deposit 150000 per annum; than what amount I will receive on maturity. And when will maturity take place?? Kindly reply.

Reply

aruna September 1, 2015 at 3:38 PM

sir i would have know the details of deposit.
monthly deposit amount is fixed or any?

Reply

Shiv Kukreja September 2, 2015 at 12:17 AM

Hi Aruna,
Amount is not fixed and it is not mandatory to deposit it on a monthly basis either.

Reply

Shiv Naresh September 2, 2015 at 10:54 AM

Sir,
I want to know about deposit I will deposit till 14 year or while my daughter will be 14 year & maturity is after 21 old my daughter or 21 year pass policy pls tell.

Reply

Shiv Kukreja September 2, 2015 at 4:12 PM

Hi Shiv Naresh,
It is 14 years & 21 years from the account opening date and not 14 years & 21 years of your daughter’s age.

Reply

umesh September 2, 2015 at 11:34 AM

i have interested for agentship
whats the pros-seer

Reply

Shiv Kukreja September 2, 2015 at 4:13 PM

Hi Umesh,
I don’t think it is allowed to have agency for these schemes.

Reply

TRKapoor September 2, 2015 at 5:58 PM

kaya main apni dotyi ( granddaughter)ka liay SSY khol sakta hun as guardian and can get tax rebate u/s80c Pl.advice

Reply

Shiv Kukreja September 7, 2015 at 10:41 AM

Yes Mr. Kapoor, you can do so by becoming her legal guardian.

Reply

Rajesh Saini September 3, 2015 at 12:29 PM

Dear Sir,

What if an unfortunate event death of the guardian, will the scheme gets closed or whether it will be continued.

Reply

Shiv Kukreja September 7, 2015 at 10:44 AM

Hi Rajesh,
In case of the depositor’s death, legal guardian or the girl child has the option to either withdraw the balance & close the account OR continue funding the account, if possible.

Reply

amit September 3, 2015 at 12:59 PM

Sir mai yadi p/a 5k ama krta hu to 14 yer bad kitne milenge aur amount k rate same 9.2%h honge kya intrest rate badenge ya opning wala h chaleha

Reply

Shiv Kukreja September 7, 2015 at 10:50 AM

Hi Amit,
Is scheme mein 21 saal baad paise milenge, 14 saal baad nahin. Beti ki age 18 hone pe aap uski education ke liye 50% balance withdraw kar sakte hain. Moreover, rate of interest 9.20% se kam ya zyaada ho sakta hai. 9.20% variable hai, fixed nahin hai.

Reply

anuj kumar September 3, 2015 at 10:49 PM

Can I deposit money in non constat manner. I.e- kisi Sam 1 lac to kisi sal 1.5 lac to kisi sal 1.5 lac se kam any amount

Reply

Shiv Kukreja September 7, 2015 at 10:51 AM

Yes Anuj, you can do so.

Reply

TRKapoor September 4, 2015 at 12:11 AM

Reply awaited

Reply

Prakash September 4, 2015 at 3:25 PM

Sir. Ye batayen agar jama karne wale yani girl ke father ka bich me Mirtu ho jayega to kya Ho ga.kya policy band ho jayega jama paisa ka kya hoga.

Reply

Shiv Kukreja September 14, 2015 at 12:00 AM

Hi Prakash,
Agar kisi unfortunate event mein depositor ki death ho jaati hai, to girl child or legal guardian balance amount withdraw karke account close karwa sakte hain, ya if possible, account continue kar sakte hain.

Reply

ajay September 4, 2015 at 3:34 PM

Dear sir, m yadi 3000 per month investment krta hu to mujhe total amount kitna milega…. Aur yadi m daughter ki study or marriage know liye amount nikalna chahu to amount kb Aur kitna milega…..please kindly reply sir..I might waiting for your answer..

Reply

Shiv Kukreja September 14, 2015 at 12:05 AM

Hi Ajay,
1. At Rs. 3000 per month, you’ll get approximately Rs. 19,03,961 after 21 years from the account opening date.
2. Aapki beti apne 18 saal complete hone pe 50% of the balance amount withdraw kar sakti hai.

Reply

Vijay pradhan September 5, 2015 at 11:54 AM

Sir, I have opened sukanya yogna account in name of my daughter on 05/09/2015. She is 1 year old. If I deposit 150000 per annum; than what amount I will receive on maturity. Kindly reply.

Reply

Shiv Kukreja September 14, 2015 at 12:06 AM

Hi Vijay,
As per the table above, the maturity amount would be Rs. 80,06,464 @ 9.20% per annum.

Reply

mohit tayal September 5, 2015 at 2:13 PM

I want to know is depositing the complete 1.5 lakh yearly is more beneficial than depositing the amount on monthly basis… and also my daughter is 2 years old now .. i have opened the account yesterday only.. so what amount will i get on the maturity date..

Reply

Shiv Kukreja September 14, 2015 at 12:13 AM

Hi Mohit,
1. It depends on the time of the year when you deposit the amount. If it is in the early months of the financial year, then you’ll get a higher maturity amount.
2. Maturity amount will depend on the amount you deposit, rate of interest and timing of your deposits.

Reply

ManMohan Yadav September 5, 2015 at 6:12 PM

Sir meri beti abhi 6 years ki hai or main Jan 2015 se 3000 per months jama karta hun agar main apni daughter ki age 21 hone PR uski marriage kr deta gun, yani aaj se 15 years baad to mujhe kitna paisa milega.

Reply

Shiv Kukreja September 7, 2015 at 10:53 AM

Hi ManMohan,
Hum is tarah ki individual calculations nahin karte.

Reply

Swapnil September 6, 2015 at 11:17 AM

If someone open a sukanya account and after few years if he get citizen ship from any other country then what happen in that case

Reply

Shiv Kukreja September 10, 2015 at 12:01 AM

Hi Swapnil,
Like PPF, you can continue your SSY account till maturity once opened.

Reply

Kishor Kumar agrawal September 6, 2015 at 11:22 PM

What documents are required as proof of marriage by the post office to confirm the marriage

Reply

Shiv Kukreja September 7, 2015 at 10:54 AM

Hi Kishor,
A declaration/affidavit by the girl child would be enough as the proof of marriage.

Reply

Sarala September 7, 2015 at 5:54 PM

Hi Shiv,

My daughter is US citizen. Staying in India on PIO. Is she eligible for PPF and SSY? SBI was ready to open both in Bangalore. Please clarify as I do not want run into trouble later.

Reply

Shiv Kukreja September 7, 2015 at 7:38 PM

Hi Mrs. Sarala,
It seems your daughter is eligible for these accounts. If SBI was ready to open these accounts in Bangalore, then I have no doubt that your daughter is eligible to get both these accounts opened anywhere in India. PIOs/OCIs, with a status of tax resident in India, can invest in PPF and SSY.

Reply

Ashru Ingole September 7, 2015 at 10:44 PM

Dear sir,
I want to open SSY account of my doughter by age now 2 yr .monthly up to 2000.
What is the maturity amount after 18 yr or I can withdraw the ammount at 18 yr age.

Reply

Shiv Kukreja September 10, 2015 at 12:03 AM

Hi Ashru,
You can withdraw 50% of the balance as your daughter turns 18 and 100% of the balance as she gets married or as the account turns 21 years old, whichever is earlier.

Reply

virender September 9, 2015 at 10:51 AM

Meri ladki March me 6 sal ke ho gai ha ma12000 per year ke hisab se policy lena chata hun main je janna chahta hun ke maturity ke time mere beti ke uMar kitni hogi maturity kis sal hogi or mujhe kitna paisa milega

Reply

Shiv Kukreja September 10, 2015 at 12:05 AM

Hi Virender,
2015 mein khola gaya account 2036 mein mature hoga. But, aapki beti 18 saal ki hone pe 50% balance aur shaadi ke time poora paisa nikaal sakti hai.

Reply

Pabitra September 10, 2015 at 11:45 AM

Sir.yearly invest 15000 after 21 yrs ….how much amount

Reply

Shiv Kukreja September 13, 2015 at 12:39 AM

Hi Pabitra,
It would be approximately Rs. 800,646 @ 9.2%.

Reply

Tamal shee September 11, 2015 at 6:54 AM

monthly contribution variaale ho sakti hai?

Reply

Shiv Kukreja September 13, 2015 at 1:04 AM

Yes Tamal, it can be variable. Moreover, it is not mandatory to make monthly contributions.

Reply

Varun September 11, 2015 at 11:56 PM

Hello sir,
Maine apni daughter ki sukanya samriddhi yojana 27 march 2015 se start ki hai so interest rate 9.10 or 9.20 lagega? and yeh amount fiscal year 2014-15 count hogi ya 2015-16 ??

Reply

Shiv Kukreja September 13, 2015 at 1:06 AM

Hi Varun,
For FY 2014-15, 9.1% interest milega and FY 2015-16 mein 9.2% interest milega. Amount deposited on 27th March would be counted for FY 2014-15.

Reply

kkmohan September 13, 2015 at 10:45 AM

Iam giv emply this polocy for use tax deduction for emloyes

Reply

kkmohan September 13, 2015 at 10:46 AM

Iam gov emply please tell me this polocy for use tax deduction for emloyes

Reply

Shiv Kukreja September 24, 2015 at 11:58 PM

Hi KK Mohan,
You’ll get the 80C deduction for your contribution.

Reply

sandeep September 14, 2015 at 11:16 AM

Sir
Mains apni daughter ki sukanya samdhi yojana 14/09/2015 ko start ki he so intrest rate 9.20 lagega 36000 year 14 year tak jamha hoge 21 sal bad kitna milega

Reply

Shiv Kukreja September 24, 2015 at 11:57 PM

Hi Sandeep,
21 saal baad aapko approximately Rs. 19,21,551 milenge @ 9.20%. But, 9.20% rate of interest is not fixed.

Reply

sujeet kumar September 14, 2015 at 9:56 PM

ye scheme kis kis bank me uplabdh hai ya sirf postoffice me hi

Reply

Shiv Kukreja September 24, 2015 at 11:55 PM
Rajendra kumar September 17, 2015 at 12:30 AM

Sir,
My daughter is 11 years old, I have started the SSYscheme from Apr 2015,
till how many years I have to pay ?

Reply

Shiv Kukreja September 24, 2015 at 11:52 PM

Hi Rajendra,
You’ll have to pay for 14 years i.e. till 2029.

Reply

Rahesh gupta September 18, 2015 at 2:37 PM

Hello sir hmne ye scheme k lua apply kia h bt 2 month ho gye passbook ni provide kra rhe wo daily hi kuch na kuch bol kr tal de rhe plz help us

Reply

Shiv Kukreja September 24, 2015 at 11:51 PM

Hi Rahesh,
Aap ek written complaint submit keejiye. Uski ek copy pe bank manager/postmaster ke sign aur bank/post office ki stamp le leejiye. Mujhe lagta hai ki aapko passbook jaldi mil jaayegi.

Reply

Rahesh gupta September 18, 2015 at 2:38 PM

Mobile no 7080815505

Reply

sumit patel September 19, 2015 at 5:18 PM

sir mai per year hisaab se 12000 jma karta hu start date h 17.09.2015 to muturity kitni milegi kiss year tk

Reply

Shiv Kukreja September 24, 2015 at 11:46 PM

Hi Sumit,
Maturity amount approximately Rs. 640,517 aapko 2036 mein milega.

Reply

Rachna Raval September 19, 2015 at 9:33 PM

Hi, My daughter is a Indian National we live in Australia but we are on a visa we r not Australian citzen my question is at the age of 21 if my daughter turns an Australian Citizen will we still get the money back from the scheme if we have opened the account ?

Reply

Shiv Kukreja September 24, 2015 at 11:45 PM

Yes Rachna, you’ll get the maturity amount. This scheme has terms similar to that of PPF.

Reply

NIKHIL JAIN September 20, 2015 at 5:49 PM

if sir i’m not interested to withdraw the half amount on 18 years… can i do so…

Reply

Shiv Kukreja September 24, 2015 at 11:44 PM

Yes Nikhil, you daughter has the option to withdraw it or keep it earning further interest.

Reply

akash September 22, 2015 at 10:04 PM

Sir meri ladki ke age 3 year ke he mujshe 21 sal ke hone par passia chaiye iske liye kya karna hoga

Reply

Shiv Kukreja September 24, 2015 at 11:41 PM

Hi Akash,
18 saal ki hone pe aapki beti 50% balance amount withdraw kar sakti hai, aur shaadi hone pe 100%.

Reply

suresh negi September 23, 2015 at 3:58 PM

sir agar me saal me sirf ek hi baar 12000/- rupey jama karau to maturty value kya hogi

Reply

Shiv Kukreja September 24, 2015 at 11:40 PM

Hi Suresh,
Upar pasted table check keejiye, it is Rs. 640,517 @ 9.20%.

Reply

Mahesh kumawat September 23, 2015 at 7:12 PM

dear sir Shiv Kukreja
I want to adopt ‘Sukanya Samriddhi Yojana’ for my 7 yrs old daughter.If any
mis-happening(any incident) between the period of deposition,then what will happen with deposited amount??

Reply

Shiv Kukreja September 24, 2015 at 11:39 PM

Hi Mahesh,
If any mishappening occurs with the girl child, parents/legal guardian will get the balance amount with interest.

Reply

bhawani shankar agarwal September 24, 2015 at 12:19 PM

My girls is age of 11in April 2015 dob is 10-04-2004 I was a/c opened 12000 yearly how many get maturity amount

Reply

bhawani shankar agarwal September 24, 2015 at 12:21 PM

My girls is age of 11in April 2015 dob is 10-04-2004 I was a/c opened 12000 yearly when its get maturity & amount

Reply

Shiv Kukreja September 24, 2015 at 11:23 PM

Hi Mr. Bhawani,
Your daughter’s account will mature after 21 years i.e. in 2036. But, your daughter will have to close it as & when she gets married. Maturity amount @ 9.20% will be approximately Rs. 640,517.

Reply

meetu September 24, 2015 at 6:14 PM

sir i want to confirm if i take a scheme or rs 5000/ per month and want to deposit the whole amount in 1 go then does it make a difference that i deposit in april beginning of financial year or 30 march end of financial year.

Reply

Shiv Kukreja September 24, 2015 at 11:36 PM

Hi Meetu,
Yes, the maturity amount will differ in this case as your money deposited in April will start earning interest from April itself.

Reply

sanjaykumardas September 26, 2015 at 9:27 AM

My girl is age of two months in September 26/ 2015 I was a/c open 12000 yearly when its get maturity and amount

Reply

Shiv Kukreja September 28, 2015 at 11:31 PM

Hi Sanjay,
Aapko maturity amount account khulne se 21 saal baad milega. Maturity amount aapke contribution aur rate of interest pe depend karega.

Reply

Kaushal September 26, 2015 at 3:17 PM

Sir my daughter is 11years old. I want to openan account Rs. 6000 year. What amount I get if she got 21years

Reply

Shiv Kukreja September 29, 2015 at 12:06 AM

Hi Kaushal,
Please check the table above for maturity values as per your contribution.

Reply

Komal September 26, 2015 at 3:22 PM

Dear sir my daughter is 9 years old. I open account Rs. 500 per month. What amount I get after my daughter is 21 years

Reply

Shiv Kukreja September 29, 2015 at 12:07 AM

Hi Komal,
This account does not mature when your daughter turns 21. It will mature after 21 years from the account opening date.

Reply

minesh September 26, 2015 at 10:29 PM

I want to also open shukanya yojna

Reply

Shiv Kukreja September 29, 2015 at 12:08 AM

Hi Minesh,
Please visit a bank branch or post office to get this account opened.

Reply

Rohit Raj September 28, 2015 at 8:12 PM

Sir, at the time of marriage my daughter’s marriage, when I will be able to get the matured amount? I mean before her marriage, or after her marriage? I mean what kind of documents I’ll have to submit? If I get the money at least a few days before her marrige, it will certainly help me to manage the expenses.

Reply

Shiv Kukreja September 29, 2015 at 12:59 AM

Hi Rohit,
Your daughter can withdraw the balance before her marriage. She will have to give in a declaration and/or affidavit for the same.

Reply

aasiya salim shaikh September 29, 2015 at 8:28 AM

Mare bete 7 sal ki he kya oska account khol sakta he

Reply

Shiv Kukreja October 2, 2015 at 11:15 PM

Yes Aasiya, aap apni beti ka account khulwa sakte ho.

Reply

mario September 29, 2015 at 11:38 AM

hello namaskar, me and mine 2 daughters we are spanish nationals holding oci cards, can i open/ invest/indulge in sukanya yojna for my 7 years old daughters, my wife is nri with indian passport, pls.sujjest /advice, thankyou.

Reply

Shiv Kukreja October 2, 2015 at 11:18 PM

Namaskar Mr. Mario,
NRIs/OCI cardholders are not eligible for this scheme.

Reply

Adarsh September 29, 2015 at 11:49 AM

Iam a NRI,my wife as well. We have started account. If my daughter change her nationality in between, will it affect this account. I have provided overseas address. Please help. Thank you sir.

Reply

Shiv Kukreja October 2, 2015 at 11:27 PM

Hi Adarsh,
NRIs are not eligible to open this account. But, if you open this account as a Resident Indian and then become NRI, in that case you can continue with this account.

Reply

sujit September 29, 2015 at 1:18 PM

Sir,can my daughter get the maturity amount ,few days before her marriage to manage marriage expences and what documents i have to submit for that?

Reply

Shiv Kukreja October 2, 2015 at 11:41 PM

Hi Sujit,
Your daughter can withdraw the balance amount before marriage to meet marriage expenses. She will have to submit an affidavit regarding the same.

Reply

gautam September 29, 2015 at 3:32 PM

Dear sir may i opt ECS option for the same and hw can it b possible bcoz it is very difficult to visit post office everytime

Reply

Shiv Kukreja October 2, 2015 at 11:52 PM

Hi Gautam,
Post offices do not provide ECS facility, but you can avail such facility in banks.

Reply

pinki September 29, 2015 at 4:21 PM

Hi , sir my daughter is five years old, but she is suffering from some physical problems .i want to open an a/c under this scheme, its possible now we carry her treatment,& phisyotherepy. thanks if you are suggest me right way.

Reply

Shiv Kukreja October 2, 2015 at 11:58 PM

Hi Pinki,
Your query is not clear.

Reply

mukeshkumar September 30, 2015 at 12:56 PM

Sir, Mere daughter ki Account opening kara rakha hun ,matuaity pura hone ke bad withdrow karne ka kiska adhikar hoga.

Please suggest me right person.

Reply

Shiv Kukreja October 3, 2015 at 12:00 AM

Hi Mukesh,
Maturity amount withdraw karne ka adhikar beti ko hoga.

Reply

Bharat October 3, 2015 at 7:56 PM

Sir
My daughter is 11 years old. Can I opt for this ?. However when I enquire in icici bank, they denied.

Reply

Shiv Kukreja October 5, 2015 at 10:13 AM

Hi Bharat,
Systems of some of these banks are not accepting girl child’s age of more than 10 years, that is why they are not accepting such applications. You should try getting it opened in a post office.

Reply

pinki October 3, 2015 at 11:55 PM

Hi sir,my daughter is suffering from some physical problem, she is five years old . can i open a/c under this scheme .

Reply

Shiv Kukreja October 5, 2015 at 10:14 AM

Yes Pinki, you can get this account opened for your daughter. Physical problem is not a constraint.

Reply

pankaj bharti October 4, 2015 at 7:02 AM

SSA me kid type ka birth certificate de sakte h.jaise ki village me pradhan ka many a hoga ya nhi?

Reply

nilesh October 4, 2015 at 11:22 PM

R /sir
Can my daughter widral account before her marrige

Reply

nilesh khamar October 4, 2015 at 11:24 PM

R/ sir
My daughter widral money before her meturity date

Reply

Anil October 5, 2015 at 12:56 PM

My girls is age of 8day in Oct 2015 dob is 27Sep2015 I was a/c opened 12000 yearly when its get maturity & amount

Reply

meghraj bairwa October 6, 2015 at 11:40 AM

Dear sir my daughter is 4year 5month old. I open a/c rs.12000 yearly what amount I get after my daughter is 21 years

Reply

Ranjeet October 7, 2015 at 1:33 PM

Sir,DOB of my daughter is 28-11-2008.I want to open SSA account 5000 p/m. What amt. Will I get at maturity.

Reply

katee October 9, 2015 at 3:48 AM

sir
I want to know,”what kind of document will be require to withdraw 50% of the amount after 18 years and who will get the money -daughter or parents” can the interest rate go down in future

Reply

Rakesh Nandan Pandey October 10, 2015 at 1:33 AM

My daughter date of birth is 16Dec06 .I had already opened SSA in her name.Subscription amount would be 24000 annually.My query is what amount I would be getting when she turns to age of 22 yrs.

Reply

sujit October 11, 2015 at 3:12 AM

Sir,as you told that my daughter can withdraw the maturity amount some days before her marriage but can she withdraw the amount full or partial(50percent) only?

Reply

dash October 11, 2015 at 8:17 AM

if one changed his installment during the period, how will it be calculated?
e.g. regular installment is rs.2000 per month, but it has been changed to rs.2500 per month, as increase in salary or etc.

Reply

Prafulla Chaudhari October 14, 2015 at 5:44 PM

I wanted to know one thing is, As SSY scheme was only available with post offices initially. Then It started with national banks as SSA. I can ICICI (private bank) in the list where we can apply SSA scheme. How safe this option will be ? and will ICICI bank follow all the rules for SSA as post office/nationalized banks?

Sorry if re-post.

Reply

MANOJ VERMA October 15, 2015 at 3:44 PM

hum dono service ma hai ma privet sector ma aur mera wife govt sector ma aur hamari two daughter hai. kaya hum dono individual 1.5 lack +1.5 lack ka account separate khol sakata hai kya.( i.e . badi bati ka ma aur choti bati ka mere wife )

Reply

sudhamoy mandal October 15, 2015 at 8:21 PM

kindly inform what is the income tax liability on maturity of the scheme if I deposit Rs 1,50,000/= per year for 21 Years

Reply

sudhamoy mandal October 15, 2015 at 8:40 PM

what is the tax liability on total interest earned on maturity? Wheather total interest earned is free from I/tax like PPF

Reply

ravendra singh October 16, 2015 at 2:43 PM

Dear sir
My daughter age only 4 month
Perhaps now start a/c today on2000/-?
How many ? in 21 years after
PerhPerha

Reply

nabin Kumar Mandal November 23, 2015 at 12:56 PM

Dear Sir,
My daughter age 3.5years. I start A/C Rs 5000. I know 21years ago why much collect the money?
Thanking you
Yours faithfully
Nabin

Reply

Dharmendra October 19, 2015 at 9:02 PM

Sir
My niece Nice place is 7 months old. Can i open this account. Her DOB is 20 march 2015 plse give me answer.

Reply

g mahaboob basha January 26, 2016 at 6:07 PM

Sir my doughter age is 9 yrs old if i pay 12000 per year how much i get after 21 yrs

Reply

Dharmendra October 19, 2015 at 9:10 PM

Sir
My niece is 7 months old. Can i open this account? Her DOB is 20 march 2015 please give me answer.

Reply

jiveeka jain October 20, 2015 at 6:33 PM

sir meri beti 7 year ki muje uska a/c opan karwana muje kya karna pdega pese kitne year tk jama karwana h kub usko milenge sir plz

Reply

MANISH KUMAR October 21, 2015 at 12:49 PM

Dear Sir,

Tell me, what is procedure of withdraw. if girl during tenner became unfortunately death. Then how to calculate the amount to be paid his parent full matured amount or depending his deposit amount ?. How many days need to process this passing to amount ?.

Reply

Mukesh Kumar Yadav October 25, 2015 at 9:48 PM

Sir mai apni beti ka A/c open karna chata hu to Kya ap Mujhe Yah batayege ki yah plan 21 saal ka rahega ya beti ke 21 saal ke hone par mitcurty milegi.

Reply

Pankaj Kamboj October 27, 2015 at 3:14 PM

Dear Kukreja sir muzhe pnb bank ne bola hai Ki SSY Ki koi pass book nahi milegi. Bas aap paise jama karate jao. Kya sach me iski koi pass book nahi hoti. Hame kya karna chahiye thank you

Reply

ghanshyam rai October 29, 2015 at 6:27 PM

My daughter dob-18-12-2009
SSA Rs 40000 /year
Maturity kb pura hoga aur kitna amount hoga.
SSA opening date 28-10 – 2015
Ple help me

Reply

swarup Ghosh November 2, 2015 at 1:45 PM

Dear Sir,
My daughter d.o.b is 18-09-2004.So,Now I opened sukanya samridhi yogona for my daughter within 01-12-2015?

Reply

sameer November 4, 2015 at 8:04 AM

Hi ,

Can i change the amount in its 14 years time period?Suppose i deposit 1.50 Lakhs in first year can i change it to 1 lakh in next year ?or like wise.
2)is the amount totally illiquid ?can OD be taken on it ?
3) is it totally tax free ?
4) can it be prematurely withdrawn that is before the daughter acheives the age of 21 years ?
5)

Reply

Deepika November 4, 2015 at 8:54 AM

Sir,my doughter can withdrawal any time of after (21)yrs,maturity of her A/c like more four or six year after maturity,or it is must to withdrawl be on time ? And can she get more intrest in between If she,s not wtdrl after 21 Yrs maturity

Reply

p.satyaseel November 4, 2015 at 3:35 PM

my child age 13 years.can i deposit monthly(5000) this scheme possible. how much on maturity of value.

Reply

Bhagwan Patel November 15, 2015 at 9:02 PM

Will tax be calculated on matured amount?

Reply

ankit November 17, 2015 at 2:08 AM

Sir, I m Indian but my daughter is on OCI , however she was born in India and has Indian birth certificate.
Can i apply for it as we meet all documents requirements?

Reply

shital tank November 19, 2015 at 9:46 PM

Meri beti 1 month ki he,kya hum uska account khulva sakte he?

Reply

Ranjit Kumar November 21, 2015 at 10:29 AM

Good Morning Sir
I would like to know that, Can I open more than one account for the same baby girl?

Reply

brahmananda November 21, 2015 at 5:03 PM

How many account will be open in one candidate

Reply

shakshi November 24, 2015 at 10:22 PM

sir my dugu gh ter age o2/11/2010 hi 18000 year he maturity 21 year

Reply

H.N.YADAV November 29, 2015 at 3:47 AM

Dear sir
good morning I write to esily of the hindi launges mera teen beti hai or mai do beti ka ssa a/c khul gaya hai o
r ek beti jo third n. hai uska khata ssa
a/c mai apne bhai ko gardian(gajian)
banakar khol sakta hun.

Reply

krishna December 2, 2015 at 2:36 PM

meri beti 14 dec2015 ko 10 years ki ho jaygi kya mai abhi ssy mai account kulwa sakti hun kya suru mai 500 per manth after sometime mai jyada amount dall sakti hun.

Reply

Abhishek Gupta May 10, 2016 at 10:47 PM

Sir , Mere bati ki DOB 22.10.2006 hai 1000/- per month par kitne maturity milagi 100 % Sure kya iska rate of intrest per year change hoga ya fir fix plan hai

Reply

PAWAN KUMAR SHARMA August 9, 2016 at 2:54 PM

PAWAN KUMAR SHARMA
Sir mere beti ki d.o.b. 31-03-2010 ki hai main agar per month 2000 rupees se account upon karta hu to kitne maturity milagi

Reply

Jahnavi August 11, 2016 at 6:48 PM

Deposit amount 150000/please cleared maturity amount after 21years

Reply

Jaipalreddy August 21, 2016 at 8:07 PM

8006464/- R’s for more details please contact me on 9912151393

Reply

Sampat jadhav February 3, 2017 at 3:09 PM

8006464

Reply

sudha singh October 10, 2016 at 6:10 PM

Sir meri do beti hai .sukanya yojana start karne pe yearly 20000 bharne pe maturity hone pr kitna amount hoga aur kitna bhar sakte hai.plz reply me

Reply

Narayana reddy April 15, 2017 at 11:48 PM

Modi Sar app me bolatha sukanya samrudhi yojana betikeliye acha karike ham ne kolatha usme abhi intrast year li changing horai Sar ye sahi nahi he modi Sar kuchbi karlena intrastate kam karnese bache ka polasi koibi nahi karna charai please chak karna sar

Reply

Rajkumar Chauhan PATAUDA June 21, 2017 at 8:10 AM

Abhishek ji…. is scheme me interest rate per year same nahi rahega…. har baar badalta rahega….
RajKumar Chauhan PATAUDA
Insurance & Investment advisor….
9812456392

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rakesh kumar December 7, 2015 at 3:57 PM

Dear sir my daughter dob is 05/07/2014 yearly deposite 20000 when maturity amount

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Naveen August 17, 2017 at 7:23 PM

Dear rakesh kumar g apki beti 2014 mai janmi hai or aap rs. 20000 per year deposite karate hai to apko 21 saal baad near about 11lakhs rs. Ke aas pass milenge.

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Vijayagopal March 24, 2018 at 7:26 AM

Meri betti 2017 dec main birth huva sukanya samriddi kab se suru hoga starting age kabse hai

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Kishan December 7, 2015 at 9:21 PM

sir me har sal 1.50 $ ka ketna amount melga sir 21 sal bad me

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binod mishra December 11, 2015 at 3:32 AM

Dear sir my daughter dob is 14/01/2009 means 7 years.Mere ko kitne saal tak jaama karna padega aur kaun se year me maturity milegi.agar main 30000 per year jama Karin to kitna milega

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RAMAN THAKUR December 16, 2015 at 4:47 PM

Binod Bhai….

Govt has agreed to deposit for the name of any child up to the age of 18 yrs. It is allowed to withdraw 50% of the balance for higher education as the girl child attains the age of 18 years. Except for this period, it is not allowed to withdraw any amount during the whole tenure of this scheme.
—Scheme Matures in 21 years or on Girl’s Marriage, whichever is earlier – The scheme gets matured on completion of 21 years from the date of opening of the account or as the girl child gets married, whichever is earlier. Please note that the girl attaining the age of 21 years has no relevance to maturity period of this scheme.
—–Deposit for 14 years only – You need to deposit a minimum of Rs. 1,000 and a maximum of Rs. 1,50,000 only for the first 14 years, after which you are not required to deposit any amount. Your account will keep earning the applicable interest rate for the remaining 7 years or till it gets matured on your daughter’s marriage.

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Neha jain September 13, 2016 at 3:27 PM

Hello sir…meri do betiya h ek 4 saal ki or ek 1saal ki…mujhe is yojna ki bahut jarurat h betiyo k future k liye…main Indian hu or India me rehti hu lekin meri dono delivery nepal me hue h jiski vjh se bachiyo k birth certificate nepal k h…main delhi me apni family k sth regti hu or mera Sbi me a/c bhi h…btaiye mujhe ab kya krna hoga….pls

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Akhilesh March 3, 2017 at 7:47 PM

Hello mam
I am Akhilesh srivastava working in canara bank
If you want to take good policy for gud Future of your children. Please contact me
My mob no. 9899124130

Reply

Nazim Ali.. . March 24, 2017 at 3:38 PM

Pls. … Callllll. 8888666434

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deep singh February 13, 2016 at 10:04 AM

Sir, mere bete ke dob hai 07/05/2010. 2000/ rupaye jama karne se kitna return milega

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anil babu sunkari June 16, 2016 at 6:35 PM

Dear sir the metured amount girl will get after 21yrs that amt will be tax free r not … need complete details will help us to invest more as im doing 30000 per month can do little more. Thanks

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Satishkumar March 30, 2016 at 8:12 AM

dear sir my doughter d.o.b.on 04/10/2016 about 15 Month till date I want 5000 Thousends contribution in per month yearly (60,000 Thousends ) In sukanya samridhi yojna (.) So please after 21 Years maturity kitna amount milega send intimate amount bY my mail id

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Rajkumar Chauhan PATAUDA June 21, 2017 at 8:14 AM

Vinod ji aap 30000 R’s per month deposit nahi Kar sakte…. 1 saal k andar 150000 se jyada nahi jama kara sakte…..

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Vishal December 12, 2015 at 12:09 AM

Sir as your calculations if year we invest 12000/- x 14yrs = 3,45,917/- at maturity 21yrs it becomes =6,40,517/-
But, in monthly I pay 1000/- x 14yrs = 3,42,751/- at maturity 21yrs it becomes =6,34,654/-
Please clarify me when we pay monthly at the end it become 12000/- and yearly it’s 12000/- so why is the difference in both as per your table or Iam misunderstanding the table I request you to clarify me it plz I need to invest as soon as possible…. Thanking you sir

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Vikram Agrawal December 30, 2015 at 8:35 AM

Vishal,

The difference is coming form the fact that in yearly payment you are giving whole 12000/- at start of year. So you will get interest on 12000/- for whole year @9.2% (i.e 1104/-).
But in monthly payment, money is paid every month. So only first installment will get interest @9.2% for 12 months (Rs. 92/-) , installment of second month interest will be for only 11 months (Rs. 84/-), installment for third month interest will be for only 10 months (Rs. 77/-) and so on making interest for whole year approx Rs 600/- only.

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Vishal December 12, 2015 at 12:11 AM

Sir as per your calculations if yearly we invest 12000/- x 14yrs = 3,45,917/- at maturity 21yrs it becomes =6,40,517/-
But, in monthly I pay 1000/- x 14yrs = 3,42,751/- at maturity 21yrs it becomes =6,34,654/-
Please clarify me when we pay monthly at the end it become 12000/- and yearly it’s 12000/- so why is the difference in both as per your table or Iam misunderstanding the table I request you to clarify me it plz I need to invest as soon as possible…. Thanking you sir

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Naresh December 14, 2015 at 1:14 PM

Dear Sir,
Meri beti ki age 2 year h or mene uska SSA a/c july 2015 me post office me khulwaya h thru my wife but last month me meri wife ki deth ho gaye h to kya mujko us me kuch change krwana hoga ya a/c same chalta rehga.

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virender sethi December 15, 2015 at 5:59 PM

Meri bati ki date of birth o4 july 2006 hai .agr main 15000 annual deposit karta hu.to mujhe 14 years tak mere acc main 432000 total ho jayega. Pls bataye is time main is value ko marriage purpose se withdraw ker skta hu .2nd is agar main 2-4 baar main hi total 2lacs amount hi deposit hi krta hu , regular deposit nahi krta to mujhe kitna amount mil sakta hai .thanks pls answer me

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Vikram Agrawal January 2, 2016 at 8:40 PM

Amount can be withdrawn only after completion of 21Yrs of account or Marriage. Marriage certificate is required, hence can’t be exactly used for marriage purpose.
Honestly, this amount should be used for her education or becoming self sufficient instead of wasting on lavish show-off weddings.

Other points: Max limit for deposit in a year is 1.5L. You are required to deposit at least Rs.1000/- every year compulsorily else account may become invalid. So don’t open the account if you are not planning to deposit every year.

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Koushik February 15, 2017 at 10:20 PM

dear sir I want 5000 Thousends contribution in per month yearly (60,000 Thousends ) In sukanya samridhi yojna (.) So please after 21 Years maturity kitna amount milega send intimate amount bY my mail id kingkousi9938@gmail.com

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Saroj Mukhopadhayay December 17, 2015 at 12:47 PM

Sir ,
Please tell me, is it mandatory to stop the contribution after 14 years or I can deposit amount/top up after 14 years also.

Thanks
Saroj

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Vikram Agrawal January 2, 2016 at 8:32 PM

Deposits are allowed only for 14 Years.

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Vineet Garg December 21, 2015 at 3:00 PM

Unfortunately, post offices are not accepting bank cheques for deposit into SSY. They are accepting only cash or post office cheques.

I am not sure why this is so. Also there is no NEFT facility for post offices. On one hand this is a new encouraging service to plan the future of young daughters, on the other hand there are operational hurdles.

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Vikram Agrawal January 2, 2016 at 8:43 PM

Dear Vineet,

I understand that in PO there are huddles, but that not only way. There are banks both public (SBI, Bank Of India etc) and private (ICICI etc) who are offering the account. You can avail through them.

Also, please considering writing to govt. apprising them the hardship, hopefully they will fix it.

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RISHIBALA DAVE December 22, 2015 at 3:20 PM

sir my daughter dob 9 april 2013 a/c opening 1 may 2014 me 5000 per mounth jama karata hu to muje maturity per kitna milega please sir reply me

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gopal December 24, 2015 at 9:43 PM

This is a best scheme for girls

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deepak rathore October 19, 2016 at 9:21 PM

Sir mere beti ka Barth 11/11/2006 hai mai agar 25/10/2006 se 5000 par month Jama karta hu to kitna retrain aayega

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Mantoo sharma January 2, 2016 at 11:14 AM

Sair meri ladali 4 year ki hai agar mai yojna me samil ho sakta hu to 14 year me 500 par manth ke hisab se kitna paisa milaga or kitne din ke bad milega

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Vikram Agrawal January 2, 2016 at 8:31 PM

Mantoo Sharma,

As mentioned your daughter will get this money after 21 Years of account opening (not age of daughter) or marriage which even is earlier. So, if you daughter is 4 Yrs then account will mature when she will be 25 Yrs old. She will get the money if she gets married before it.
If you are investing Rs. 500/- on 1st every month till 14 years you will get Rs. 3,17,327/- after 21Years (assuming 9.2% interest, but this will change every year). Actual amount will be less if you are depositing later than 1Apr every year as you will not get interest of full year. Also, if she get married before age of 25Yrs (i.e. 21 Yrs of account) then amount will be less.
Note: All numbers are estimates. No one can tell actual amount as it varies based on many factors.

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Debendra January 5, 2016 at 12:59 PM

Hi,

Just want to check, suppose i am dipositing amount but in case after 5 year or 10 year failed to diposit amount then i will get diposit amount back along with interest or not.

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Vikram Agrawal January 5, 2016 at 4:39 PM

You will have to deposit the amount for remaining period first (no of unpaid installments * Rs. 1000 + Penalty Rs. 50 * number of years delayed) to unblock the account and withdraw (at maturity).

Otherwise withdrawal is at discretion of govt if you can prove hardship without that money.

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Ganesh January 6, 2016 at 2:54 PM

Let’s say Girl age is 5 now & at 18th year i want money for higher studies but at the age of 18 I would be paying the 13th year premium only, but this scheme says I need to pay till 14years how is it possible?

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Shiv Kukreja January 9, 2016 at 5:49 PM

Hi Ganesh,
As your daughter turns 18, you can withdraw only 50% of the balance. However, your daughter can withdraw 100% balance as and when she gets married.

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tejwinder January 24, 2016 at 9:58 AM

it means dahej? parents will not get for their daughter’s marriage expenses?

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KK January 7, 2016 at 4:38 AM

Dear Mr Shiv Kukreja,

Any update on whether NRIs/OCIs can invest in this scheme? What about an OCI daughter of an Indian citizen (both living in India) – can they invest? Also, is there any expiry date for an investment in this scheme or can one invest at any time in the future too?

Thanks
KK

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Shiv Kukreja January 9, 2016 at 5:47 PM

Hi KK,
NRIs/OCIs are not eligible to get this account opened. Also, there is no last date for getting this account opened, it is open throughout the year.

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GR February 15, 2016 at 4:11 PM

My wife is an Indian citizen, I am a US national OCI, my daughter is an Indian citizen, we all live in India. Can we open the SSY a/c for our daughter? Thanks!

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Manoj August 18, 2016 at 6:11 PM

Yes. GR you can open SSY A/c of your Indian daughter. I opened SSY A/c for my Indian daughter and I am NRI.

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U Uma Maheshwar Reddy January 8, 2016 at 10:58 AM

Dear Sir,

Hello!

I had invested 5000 in 04/01/2016 for my girl child , she is 9 years old,
Can I invest 2 or 3 or 4 times in a year (transfer amount to SSA ).
Please clarify me, few of my friends are also interested to know this.

they say it should be montly or yearly only, I said that we can invest any time in a year, I said Amount can be variable and month can also be variable.

Please clarify

U UMA MAHESHWAR REDDY.

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Shiv Kukreja January 9, 2016 at 5:43 PM

Hi Uma,
You are right, deposits can be as many as you want, they could be 2, 3, 4 or more. Any no. of times you want. Minimum contribution in a year should be between Rs. 1,000 and Rs. 1.50 lakh.

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Dhanesh January 8, 2016 at 1:12 PM

Sir …can i see online update SSA acount …or pay monthly instalment by online

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Shiv Kukreja January 9, 2016 at 5:40 PM

Hi Dhanesh,
Online facility is there only with some of the banks, like SBI, ICICI Bank, Axis Bank etc. Post offices do not provide online facility.

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Patla Gopal February 4, 2017 at 1:57 PM

This is gopal my daughter DOB 19/08/2014.we are deposit monthly 1000.so return to maturity amount.

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Roshan lal January 10, 2016 at 12:28 PM

mari bati ke age 7yer h agar ma jojana ka tatat per year 1000 Rs deposit karau to 14 year bad kitna malaga

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nikita January 10, 2016 at 7:30 PM

if i deposite Rs 1000 annually till 14 years, then what will be the amount during maturity

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suresh October 3, 2017 at 2:23 PM

Sir,mane meri beti ka account sukanya samradi youjna me khola h.. 27 .09.17 ko account me 50000 per yearlly jama karaya h…m aap se puchana chata hu ki meri next rasi kis date ko jam hogi

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nikita January 10, 2016 at 7:31 PM

if i deposite Rs 1000 annually then what will be the amount during maturity

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dnyaneshwar January 11, 2016 at 8:58 AM

Sir can i transfer ssy account from po to bank or open second account in bank closings po account plz clear it

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meenaxi juvatkar January 12, 2016 at 7:03 PM

Meri beti ka date of birth 29Jan 2005 hai jab mai 15th Dec post office gayi to mujhe kaha ki scheme Dec1st tak thi Meri beti ki ek bhi policy nahi hai isliye mai ye karna chahti hu kya karu please bataye.

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satendra kumar January 12, 2016 at 11:07 PM

sir meri beti march 2015 me 11 years ki ho gayi hai or maine march 2015 se rs 3000 start kiya hai mujhe kab tak jama karna hai. mujhe kb or kitna milega.

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Ganesh Chandra Patra January 4, 2017 at 7:14 PM

Dear sir,
I need my sister’s daughter open one account & she was now complete 4years. If we open Sukanya yojana account how much rupees and how much day we will paid it. Kindly inform me any body because I haven’t idea Sukanya yojana.

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anil tiwari January 13, 2016 at 12:45 AM

Hi sir,
Meri ladki abhi ^6 year ki hai,agar mai account open karwata hu per month 2000 rupees . Aur mujhe 14 saal pura hote hi jarurat padti hai to mai kitna paisa withdraw kar sakta hu.@ ROI is 9.20%,pls sir confirm to me and after when i will get full amount and how much.

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Hari January 14, 2016 at 2:29 PM

Hi Sir,
I have opened SSY Account to my daughter, but guardian is with my wife name and pan card also my wife’s name.
Can I claim this in my 80C Tax benfit?

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manoj kumar mishra January 14, 2016 at 3:05 PM

Modi ji Sahi main garib me lie sochte hai.ab unka dia hua yah account se koi beti ke shadi k lie nahi sochega.main pure des was I anurodh karts hu ki sab koi modi ji ko hi vot Kate.

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manoj kumar mishra January 14, 2016 at 3:08 PM

Modi ji Sahi main garib me lie sochte hai.ab unka dia hua yah account se koi beti ke shadi k lie nahi sochega.main pure des wasi se anurodh karts hu ki sab koi modi ji ko hi vot Kare.

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Ravi January 15, 2016 at 12:33 AM

Dear Sir,

Thank you so much for detail information about the scheme. I would like open an account on my daughter’s name & I would like to invest Rs. 1,50,000 per year but I need to know whether i should deposit this amount in one shot, every month or is there any option where I can deposit this amount anytime during the particular financial year part by part? because i don’t want to have fixed commitments every months. Kindly advise me….

Regards,
Ravi

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D.N GOYAL January 15, 2016 at 12:55 PM

There are message that Rs.1000/- yearly deposited in the scheme after 21 years will be more that RS.600000. But I fail to understand how it is possible.Either it is monthly or yearly please clarify.

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D.N GOYAL January 15, 2016 at 12:59 PM

There are messages that RS.1000/- yearly will grow more than Rs.600000 after 21 years in the scheme. How it is possible. Please advise is it monthly or yearly

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Shiv Kukreja January 15, 2016 at 1:19 PM

Hi Mr. Goyal,
It is on a monthly basis and not yearly basis.

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Mukesh Kumar January 16, 2016 at 1:29 PM

Dear Sir,
Meri beti ki DOB is 25th Dec-2007 (8Y.),Mai Jan-2016 me Account opening krate hai to mere ko kitne sal tak jaama karna padega our kaun se year me maturity milegi ,Agar 12000 per year jama karte hai to kitna milega.
Please clear it………..
regards,

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bhargav thakkar January 17, 2016 at 4:16 PM

Sir i got.below message from some friends and i would like to know below details are true or not ?
QUOTE:
STATE BANK OF INDIA ??? ” ??????? ????? ” ????? ???? ?? ?? ??, ?????? ????? 1 ?? 10 ???? ?? ?? ???? ?? ???? ?????? 1000/ ????? 14 ???? ???? ??, ???? 14 ??? ??? 14000/- ???? ?? ???? ?? 21 ??? ???? ??? 6,00,000/- ???????…. . ??? ?????? ?? ?? ??? ????? ??? ????? ?? ?? ????? ???? ???? ?? ??? ?????? ?? ??? ??? ?? ?? ??? ??.
UNQUOTE:
I THINK ABOVE DETAILS ARE NOT CORRECT & ANY AMOUNT more than 1000 Rs. Monthly or YEARLY paid person will get 9.20 % cumulative intrest.
Pls. Clarify. Thank you.
Bhargav thakkar

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Anand January 18, 2016 at 2:11 PM

Dear Sir,
I have one doubt, if I am die or fail to deposit after some installment, what will happen to SSY for remaining payments and settlement.

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Deb January 20, 2016 at 2:48 AM

Sir I want to transfer my both daughters ssa account from post office to sbi, but staff of post office stated taht there are no circular to transfer.
Kindly provide circular in this regard to solve my problem please.

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santosh tarak January 20, 2016 at 8:14 AM

This plan is veri Best

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suvendu pan January 22, 2016 at 8:01 PM

detals of sukanna shamridhi jojana my child date of brath is 20.12.2003. i invast to yearli rs 4000 machurite and depojit amount dalevare to my e-mail shite.

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dr aijaz surve January 23, 2016 at 9:29 AM

sir, I have foll queries
1)is it compulsory to close the account after 21 years of opening it? if extension is allowed, is it indefinite?also will accumulate interest at the same rate?
2)is there an ecs/standing instruction facility so that the amount gets debited automatically from my personal account to ssy account?
3)the account has to be closed just before marriage or just after marriage? is it possible to continue account even after marriage and for how long?
4) at maturity,are the withdrawal rights solely with the girl chid or guardian consent is necessary? in case there is a dispute between the girl child and guardian then what happens?

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tejwinder January 24, 2016 at 9:51 AM

is it dahej? which will be given to girl’s in laws. coz i think parents will not get it for their girl’s marriage expenses and will be given to girl after her marriage ? isn’t it

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Roshmi January 27, 2016 at 4:42 PM

Dear Sir;

I have a five years daughter for which I am planning to take this account. I have understood that we can take the 50% withdrawal after 18 years anytime for once.

I would like to know what happens to the account if parents expired before 14 years of payment due to be paid is not fulfilled.

Will I have to pay for 14 years still?

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ram manohar January 30, 2016 at 1:59 PM

Sr hr mahine jma karna hai ya sal me kbhi bhi jma kr skate hain

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Avnish April 22, 2016 at 4:22 PM

mery two girl hai mene dono ke name se do acaunt khol deye hai me app se puchna chahta hu ki har mhe ne me jama karne hai ki sal ke end me ek bar me pure sal ka amaunt jama kar sakta hun ya nhe.

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Nishi January 31, 2016 at 12:53 PM

My daughter’s dob is 08.12.2004.Can I deposit money in sucanya smridhi yojna.

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Mahendra kumar February 2, 2016 at 5:15 PM

Hi,
I have two girls 9 and 8 years old.if I open an account today 1000 rs. Per month Each girl. And I want to close account when they are 21. Is it possible to close an account when they are 21. and How much they will get?

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DILIP DEWANI February 3, 2016 at 1:13 PM

Hi,

my daughter is 8 year old,if i open accoun this march month and we deposits 24000 per year march month.then how much they get.maturity time.

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Santosh kumar Dewangan February 3, 2016 at 10:53 AM

Meri betiya ke liye lena h plan wo abhi 2 month ki h.
Kitna primium patana padega month
Kitne year tak paid karna h
agar 1000 per month dete h to maturity me kitna milega.

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RAMESHWAR B February 4, 2016 at 1:04 PM

Dear sir .,
Because i have deposited annual 1000,but how to maturity amount withdrawal… Pls reply me.
Thanks in Advance

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Shiv bhavan pal February 5, 2016 at 10:31 AM

Meri beti 7year ke mea 1000rs mughe141st earth arne katna milega

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sufia February 5, 2016 at 11:03 PM

mere bete ka age 10 years, years 50,o00/- pay karthu for 14 years , before 21 years maturity, marriage ke liye close karna to, kitna melega , please inform.

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P.mohan kumar September 20, 2016 at 2:15 PM

Mara beti ka age 10years hoga yearle60,000pay karaga 21years ka bhadu ketan melaga

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Gaurav Pandey February 10, 2016 at 2:26 PM

Dear Sir,

In further can we pay online payment to Post office?

Reg…

Gaurav Pandey

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Seema February 12, 2016 at 11:04 PM

My daughter born 27/1/2003 pls suggest plan

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wordpress.com site February 13, 2016 at 6:59 AM

Apple Watch affords a lot beyond health monitoring
that evgen at $350, I’m offered.

Reply

RENUKA B February 13, 2016 at 5:11 PM

Date of Birth of my daughter is 27-07-2007, i have joined the scheme in the month of Feb 2016.
If i Pay Rs.2,500 every month.
Please tell me, till when i have to make payment,
When the scheme will mature, & how much will i get?

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Gurdeep Singh February 13, 2016 at 7:25 PM

My daughter born 08-09-2003. Please tell me I buy ssy scheme.

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Gurdeep Singh February 13, 2016 at 7:27 PM

My daughter born 08-09-2003. Please tell me I buy ssy scheme.how I get at maturity

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aacha sahu February 17, 2016 at 10:26 PM

Meri beti ki eg 3 years hi or may 1000/- rs manthali pe karta ho mughe 21
Yars me kitna milega

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sandeepchouhan356@gmail.com February 18, 2016 at 4:07 PM

My baby account not open from bank due to aadhar

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praveen February 18, 2016 at 6:54 PM

meri beti ke liye plan lena h aap ya bataye2000rs month ke do to 21 years m kitne paise mil jayenge

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Saurabh February 18, 2016 at 10:23 PM

Sir…
I like this scheme very much. It’s very good for Girl child for her marriage and education…

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K SURI BABU February 21, 2016 at 1:15 AM

Sir,
Can i transfer ssy account from post office to bank (sbi) or open second account in bank closings po account plz clear it

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santosh patil February 21, 2016 at 12:53 PM

Sir’
. my daughter 9 years old if I deposits rs.1000/- per month how many maturity amt.

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v.satyanaraya March 2, 2016 at 6:45 PM

dear sir,
as the scheme is silent on various factors,
1. since the option is given to open the account in the name of girl child, with various banks and post office, what happens, if the account open
at various banks, and various post offices, how it is treated, what are the chances to detect the same
2.since the amount of Rs 1,50,000/- is the I.T exemption limit, who can claim this limit exemption, by parents of girl child, or the man who is guardian, or the girl child grand father, if he pays this amount,
3. as the period of payment is very long, and cumbersome and also, even if the girl child attens, 21 years, whether, this amount will be paid or the possibilty of loosing entire money, in case of any unfurtunate, tragedy for the entire family, since there is no nomination facility in the schme.

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v.satyanaraya March 2, 2016 at 7:09 PM

sir,
if the girl child, unfortunately elopes without leaving her where abouts,
how to justify the case and what about the amount deposited, and how to claim the said amount, as the facility of nomination is missing

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AKSHAY March 3, 2016 at 8:19 PM

Sir,

I pls confirm who can withdrawal the amount after maturity period. Parents or only their girl?

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girish March 8, 2016 at 12:16 PM

Sir meri beti sbi 5 month ki hai kya hum ise yojna ka labh le sakte hain

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krishna March 9, 2016 at 12:20 PM

sir meri beti 10 years ki ho chuki hai kya mai abhi bhi uska ssy mai account kulwa sakti hun- please answer me

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krishna March 9, 2016 at 12:21 PM

sir meri beti 10 years ki ho chuki hai kya mai abhi bhe ssy mai account khulwa sakti hun- please answer me

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Jkupadhyay March 14, 2016 at 11:38 AM

meri daughter 9 saal ki h 15000 yearly jma krne pr 21sal ki age me kitna milega? Kya ye khata march 2016 me open kr skte h?

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Shankar vishwakarma March 15, 2016 at 8:35 PM

Sie meri beti 1 manth ki hai ham 1000 par manth agar jma karte hai 8yers to 21 year ke bad kitna milega

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Shankar vishwakarma March 16, 2016 at 1:49 PM

Sir meri beti 1 manth ki hai ham 1000 par manth agar jma karte hai 8yers to 21 year ke bad kitna milega

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sohan lal March 16, 2016 at 8:52 PM

1000 per years deposits karane per kitne rupees milenge

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Sachin March 19, 2016 at 8:47 PM

Previously interest rate was 9.3% ,as government has redused it to 8.6%. Kya ye hi achhe din hai Modi ji.Ab betiyo ka future kaise bachye in dakuo SE. Feels very sad Modi ji.

Reply

prahalad March 20, 2016 at 4:17 PM

dear sir,
my child girl dob 14/05/2013 .I want open account sukanya yojana . tell me about maturity of account and balance of maturity
2000 per month agar jama kre to 21 years bad kitna milega.

Reply

sandeep kaushik March 29, 2016 at 10:59 AM

Hello sir agar mai 2000 per month jama karta ho to kitne paisi milenge aur kitne time tak jama karne hai paisi

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sandeep kumar March 20, 2016 at 11:49 PM

Namskar sirji, mari beti ki dob 20/1/2009 hai Maine sep 2015 main say ka account khulwaya hai SBI main. Monthly list 100000 hai.mere ko 14 sal hi list deni ya jyada. Merit beti 2030 main 21 Sam ki ho jayegi tab Sara pisha nikal jayega ya nahin

Reply

Durgesh Tanvar March 21, 2016 at 9:21 PM

sir Meri beti abhi 26-12-2016 ko ek saal ki ho gai he muj ko kis scheem me or kitna deposit karna chahiye

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Yogesh Brahmbhatt March 25, 2016 at 2:15 PM

Dear sir,

I was save Rs.2000 per month for my both daughter in this SSA scheme.
If due to some issue I was not deposit money in same account , than my account gone block?
If I want to withdraw my saving after two or three years than is there any facility for that or not??

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Nagababu March 27, 2016 at 2:33 PM

I have two girls 9 and 8 years old.if I open an account today 1000 rs. Per year Each girl. And I want to close account when they are 21 for marriage . Is it possible to close an account when they are 21. and And it will not be completed 14 years of deposit.How much they will get?

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Sreevalli March 28, 2016 at 12:11 PM

Dear Sir/Madam,
My daughter’s DOB is : 24th March 2006. She just finished 10years. Recently we came to know about sukanya samridhi yojana. Shall we take sukanya samridhi yojana for her now. whom should we approach to request about her as it is just few days of her 10years completion.
Thank you,
Sreevalli.

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Jitendra gope March 28, 2016 at 2:43 PM

Agar kisi karan se bich me girl ke father ka
Death ho jaye to kaya pura paisa milega
Girl ko kyoki paisa to fir jama nhi hoga

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sakamma Sanjeevudu April 4, 2016 at 11:59 AM

GOT TWO GRAND DAUGHTERS AGED ABOUT 5,6 YRS CAN I JOIN THEM NOW INTHE SSY

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Snehal patel April 5, 2016 at 3:10 PM

Sir….I want to know that is it compulsory to deposit every 1of April every year to get yearly interest

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Snehal patel April 5, 2016 at 3:26 PM

Can I deposit any date of April in a year or 1 April is mandatory

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Sukhpreet Singh April 7, 2016 at 11:30 AM

Dear Sir, i am continually depositing amount in my daughter account for last 1 year approx . Sukanya Samriddhi Yojana my daughter account opened in the month is march’15 . but i am surprising when i have seen the interest amount of RS 1373(15-16). last financial year my daughter account balanced 25008. if i calculated the interest rate 9.1% which is shown in post office site when the amount are 2300. if possible can you please share the interest rate calculation in my mail ID so that i m understand the same & calculated the right figure.

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veena April 13, 2016 at 2:41 AM

kya mother perent ko koi adhikar nahi hai ke WO apni beti ka ssy acc open kar sake. Sirf isi vajah se meri beti ka ssy acc reject kar diya gaya . kya koi Maa apne beti ke future ke bare me nahi soch sakti . please modiji ek maa ko Jo ki WO bhi ek kanya hai , use hi ye adhikaar nahi diya ?? How sad ! Please Thoda to sochte hamare baare me .

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Ravinder Singh April 14, 2016 at 12:52 PM

First years interest rate was 9.3% ,as government has redused it to 8.6%. Kya ye hi achhe din hai Modi ji.Ab betiyo ka future kaise bachye in dakuo SE. Feels very sad Modi ji. i am not happy with your decision

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gyanaranjan sahoo April 15, 2016 at 1:36 AM

sir
mane ake account khulahe lekine me 21sall se pehele withdral ho sakata he kya.

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sunil kumar jana April 16, 2016 at 1:28 PM

I have deposit every month rs 2000. I want to deposit one time yearly deposit rs 24000/- .it is possible under this scheme.

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vinod sharma April 26, 2016 at 5:31 PM

SIR I HAVE DEPOSITED 25000/- ON DT.16-04-15 AND 5000/- 22-12-2015. WE HAVE RECEIVED 2262. INTT. HOW CALCULATE

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Anti grover May 2, 2016 at 9:41 PM

Dear concern,
Kindly clarify one thing is that what will happen in case the death of guardian .

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Anti grover May 2, 2016 at 9:45 PM

Dear concern ,
Kindly clarify regarding invested fund switching it means can we switch over the fund in future like 2000/- to 3000/- or not?

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SONJOY KUMAR KAR May 3, 2016 at 2:23 PM

I have deposit every month Rs.1000/- for my daughter. I want to deposit one time Rs.12000/- in one time. Is it possible in this scheme, give me suggestion.

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PRAHLAD SINGH May 5, 2016 at 8:53 PM

MERE 2 BETI HI EK 5 YEAR KI OR 1 4 MONTHS KI ME MERE LADKI KA ACCOUNT OPEN KARKE AGER 50000 DEPOSITE KARTA HU TO MERE LADKI KO 21 YEAR ME KITNA RS MELGA

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PRAHLAD SINGH May 5, 2016 at 8:54 PM

MERE 2 BETI HI EK 5 YEAR KI OR 1 4 MONTHS KI ME MERE LADKI KA ACCOUNT OPEN KARKE AGER 50000 DEPOSITE KARTA HU TO MERE LADKI KO 21 YEAR ME KITNA RS MELGA IN RAJSTHAN

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jagannath June 17, 2016 at 12:13 AM

sir,Mere bet I D.O.B-11.01.2014.Yearly agar 12000 deposite karunga.to 21 Saal ka bad kitne milegi.plz call me-7829919062

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Praveen Chandravanshi May 14, 2016 at 2:21 PM

sir kya yah bata ka liya ha or bati 2 years ki ha yah khata ki mujha ditals batya plz replay

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Praveen Chandravanshi May 14, 2016 at 2:25 PM

mujha janekari chahiya

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j.ramana May 22, 2016 at 2:15 PM

sir may re daughter no 70000 jama katana day 14 years Khyber katana mileage

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Manickam Krishnasamy May 25, 2016 at 11:35 AM

Hi, My daughter opened an acc with annual payment of Rs 1.5L last year. now when this year 1.5L was deposited, Postal people say they cant accept now 1.5 L. Reason given by them is that interest has been calculated for previous year and brought in the passbook. So if you pay 1.5L now the deposit for this year would go more than 1.5L. They mean that the interest for previous year has been brought to this years deposit.
Can any one who has understood the scheme and the logic of the postal people throw some light?

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harpal May 30, 2016 at 2:18 PM

Sir if we married our daughter early than how got benifit o

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Roshan May 30, 2016 at 2:20 PM

sir meri ladki d o b i s 06 feb 2007 hai agar mein har mahina Rs1000 jama karta hu to meri ladki ka maturity kab aur kitna millega aur ladki disabled hai

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Rajkumar S Tirlapur May 31, 2016 at 11:47 AM

I have two dauthers deposit every month each 1000 rupees

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Shrawan May 31, 2016 at 3:45 PM

Sir mere beti ka dof 06/2012 hai mai 1000/pm jama karna chahta hu mujhe 21 year me kitna milega. Ky mai kam ya jayda bhi jama kar sakta hu jaise ki 1000 per month khola hu to kisi month may 2000 ya jayda bhi jama karna chahu to koi problem to nahi hogi ya kisi month may na jama kar pau to.
Please reply

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gurdeep kaur May 31, 2016 at 10:40 PM

Dear sir
my dtr dob is 25-10-15
i want to open her account
plz suggust me which hv more benefits post office or bank scame ?
how much v cn get for her in 21 age if v deposit 1000 & 2000 monthly ?

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Priya June 1, 2016 at 4:51 PM

Please clarify that the tax exemption will be there for every year till the girl child attains 14 years

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K L Arora June 5, 2016 at 3:21 PM

Can a grand father/ grand mother be the legal guardian in SSY
If yes can they claim tax benefit under 80C
Thanks
K L Arora

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K L Arora June 5, 2016 at 3:24 PM

Can grandparents be legal guardians in SSY. If yes, can they claim tax relief under 80C
Thanks
K L Arora

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Om prakash June 6, 2016 at 5:08 PM

Sir my daughter having a SSY account in post office. But now i want to transfer it in SBI bank to avail the online facility. Can i transfer it from post office to SBI. Please suggest me.

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Ramjikumar June 10, 2016 at 7:01 PM

Kitne saal tak deposit karna hota hai main post office khola hai

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Radhika H Patel June 20, 2016 at 3:26 PM

Hello Sir/Mamam,
This is to inform you that my daughter’s Birthdate is
28/12/2003 (28 th december 2003) we just recently came to know about this Sukanya Samriddhi Yojana and really missed the oppurtunity to fill the form so please can you guide us what step can be taken to fill the above form for her or to invest in any other such yojana for her . We would be very greatful to you if you can suggest us some good thing to invest in for her future saving . Thank you

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aryendra mishra June 22, 2016 at 11:37 AM

Ok

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Tanuja June 22, 2016 at 12:30 PM

Hi,

My Daughter is of 13 years 10 days old(DOB 13-JUN-2003) we don’t have any SSY scheme can we take SSY scheme now?

Thanks,
Tanuja,

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Jahangir Chaudhari June 22, 2016 at 9:42 PM

sir interest rat maturity tak same rahega ya kam jada ho sakta hai.

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Jahangir Chaudhari June 22, 2016 at 9:45 PM

sir is yojna ka interest rate maturity tak
same rahega ya kam jiyada hbi ho sakta hai.

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Amol c.vinchurkar June 22, 2016 at 10:53 PM

May daughter was born 24.6.2004 to us k ley y chlega. Kay ?

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Hal iam sandeep buwa June 29, 2016 at 12:36 AM

please replay me soon iam eating your massege

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Imtiyaz June 30, 2016 at 11:13 PM

Is there any application to check statement and is there any online facility to pay or ecs??? Please confirm
7573012636

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Varun July 4, 2016 at 1:39 PM

Sir mere beti ki date of birth 29-6-2006 he KY me account open ker sakta ho kya

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Deepak Mahajan July 9, 2016 at 9:50 AM

Dear Sir, Meri beti ki Date of birth 15 june2005 hai. Mene sukanya s.y. ka account 05march 2015 ko open kiya . is account mei mene 50000rs mama bhi kar diye.an aap ye clear kariye ki me I kab tak aur kitne rs jama kar Sakta huo aur kitne rs mileage aur kon so year me milege

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Pandurang Rajaram Kadam July 23, 2016 at 5:03 PM

Dear Sir,
Meri beti ki Date of birth 13/08/2009 hai. Mene sukanya s.y. ka account April 2015 ko open kiya . is account mei mene Rs. 51000.00 Jama bhi kar diye.an aap ye clear kariye ki me I kab tak aur kitne rs jama kar Sakta huo aur kitne rs mileage aur kon so year me milege

REPLY

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munsara bharat July 28, 2016 at 12:35 AM

Sar meri beti 10 salki he or me salka 2000 jams karauga to 20 sal bad kitna rifand aayega

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Avani Deshmukh July 29, 2016 at 11:24 AM

Avani Deshmukh Bhopal mp

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Ravinder August 2, 2016 at 12:28 PM

1000 monthly submit karne par 6,35,000/- milenge and annual 1000 submit karne par 53,000/- milenge

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RAMESH August 6, 2016 at 6:38 PM

Dear Sir,
please clear one ques.

New born Girl child parents how to apply,? Birth certificate – (is Sufficient for apply ?)

ID proof of Girl child not available right now.

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PAWAN KUMAR SHARMA August 9, 2016 at 2:56 PM

Sir mere beti ki d.o.b. 31-03-2010 ki hai agar main 2000 rupees per month invest karta hu to maturity kitne milege . Aur rupees kb tak zamma karna hoga.

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Raman Kumar Jha August 13, 2016 at 12:28 PM

1-SS Yojna account is transferable to any other branches ?
2-If the child survive then what benefit to guardian ?

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Swami shri devji hans August 22, 2016 at 1:13 PM

Pita pan bharat in the world economy system secular sashak Dharam bharat piess in god we trust 1956Bharat jayshriharimannarayanregs.swamijirtikiran.com

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AKHILESH KUMAR DUBEY August 30, 2016 at 4:02 PM

SUBJECT – TIME DIFFRENCE OF DEPOSITE AMOUNT

1. I AK DUBEY opening SUKANYA SAMRIDDI ACCOUNT (A/c No. 8641803651) of my daughter AAKANSHA DUBEY on 23 may 2015 at holiday camp post office in mumbai after some time shifted at MAU UP with family.
2. On 23 may 2016 go to Mau post office and asked and show passbook to the concern person this account opening at Mumbai but shifted here so I want deposit 50,000 by checque he see passbook and give deposit form so I( 50,000 checque number 013275 of UBI BHITI MAU) deposited and get aknowlgement deposit recipitE from MAU POST OFFICE.
3. On 1 June 2016, debited 50,000 in my account after this ,so many time go to post office for passbook updating but always tells my printer or net are not working but I have no record. In this routine on 26 Aug 2016 I go to postoffice for passbook updating he see and tell I want ten digit account number .So I call HOLIDAY CAMP POST OFFICE and get ten digit account after this update my passbook but not showing 50,000 deposit amount, then I asked to post master he tells today my clerk on leave ,you come tomorrow then on 27 Aug 2016 I go to post office and concern clerk he deposited on 27 Aug 2016 after this update passbook showing 50,000 .
Sir tell me what can I do. For interest from 2 June 2016 to 26 Aug 2016.

Your faithfully
AK DUBEY father of AAKANSHA DUBEY
House no-324/5-A NAI BASTI
NIZAMUDDIN
-PURA BHITI MAU 275101
Mob No- 8181000764
DT-30/8/16

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laxman dongare August 31, 2016 at 2:57 PM

Sir Ji Maine Ye Yojna 19 Jul 2016 ko Start Ki thi Us Taime Maine iss Yojna Mai 5000/- Paid Kiye The But Meri Sukanya 10 Agust 2016 Ko Hai Hiting Medical Ex-pair Ho Gai .
Muje Ye Puchana Hai Ki Iss Yojna Chalu Hone Par Agar Aisi Ghatna ho Jay To GOV Of INDIA Alagse koi Ruls Hai Kya ???

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sampath September 1, 2016 at 2:54 PM

My Girls D.O B 16-4-2014 (1year 6months only )iam decided sukanya samrudhi yojana yearly deposit 1000 ofter 21 years how much amount return immediately replay sir

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Sampat jadhav February 3, 2017 at 3:11 PM

6042091

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Subhash adhav September 14, 2016 at 10:22 AM

Very nice

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Subhash adhav September 14, 2016 at 10:24 AM

Very nice skim for girls

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siddiquee Harun September 16, 2016 at 12:07 AM

Dear sir
Maine apni Beti ka account post office me khola hai mai chahta hu is accaunt ko dusre post office me transfer krana to kya aesa possible hai. Please reply me Thank you.

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MANOJ SONI September 24, 2016 at 7:05 PM

sir,
if i start investing 1000/ month in this scheme initially.
after 2 years if i feel that i can invest 3000/ month in this scheme.
can i do this .is it possible ?

Please reply.

Reply

dinesh yadav September 27, 2016 at 8:44 PM

hi sir plZ discrip ssy

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ASHUTOSH kumar September 30, 2016 at 4:40 PM

Very nice skim for girl

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saradha baskar October 9, 2016 at 3:28 PM

If I start the scheme at the age of 10 for how many years I have to pay. If I am interested to pay 150000 per year .what will be the return either at 18 or at 21

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Hemant October 13, 2016 at 1:36 PM

6 Step Process to Transfer Sukanya Samriddhi Yojana Account from Post office to Bank.
More info@ https://www.moneydial.com/blogs/6-step-process-to-transfer-sukanya-samriddhi-yojana-account-from-post-office-to-bank/

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Pramod October 24, 2016 at 9:32 AM

Sir different – different fy year me different amounts dal Santa hu.

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Maneesh November 8, 2016 at 3:47 PM

Hello Mr Shiv,
Is there a difference in returns when you invest in monthly payments as compared to when you invest in yearly installment??

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devendra giri January 2, 2017 at 9:35 PM

Mere father retired ho gaye hai.ab Wo post office mai fd karana chahate hai.koi profitable policy ho to mujhe inform kare .unki policy 5 years wali ho.mujhe apna contact no send kar de…..

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Murali dhar rai January 3, 2017 at 8:28 AM

Sir meri duhater ka dob 03/09/09 hi to 8year.agar hum per month 3000jama karte hai to kitne year jama karege Aur maturity Kiya hogi.

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sachin mane January 3, 2017 at 12:52 PM

sir, if monthly emi of sukanya scheme is Rs. 1500 & also 2000 then pl reply me on mail monthly EmI Calculator & Amount Rs. from year 18 & 21

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CHAMAN NAWAZ January 9, 2017 at 11:05 PM

Sir hamari beti 2 saal ki hai agar Rs1000 salana 14 saal tak rakhta hu to 21 saal mai kitna milega

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Nitin shinde January 16, 2017 at 9:08 AM

100, 200, 300, Par manth doing deposit ?

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Vaishnavi Pandey January 28, 2017 at 8:53 AM

128/290 n block yashoda nagar kanpur

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Hirenkumari v. Katara January 30, 2017 at 3:55 PM

bati kye bhavisy kye liye Sukanya Samriddhi yojna

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Hirenkumari v. Katara January 30, 2017 at 4:01 PM

one child is batter yojna

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Venkatarao February 2, 2017 at 9:37 AM

My daughter birth 2nd may 2016 . I can deposit 2500 in sukanya yojana samruddhi. tell me sir how much get after maturity

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Venkatarao February 2, 2017 at 9:40 AM

My daughter birth 2nd may 2016. I can deposit 2500 every month in sukanya yojana samrudhi so how much get after maturity

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gouri wali July 29, 2017 at 11:13 AM

this plan very good for investing samll amt
thounking you muddi sr

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vinodkumar sawarkar February 4, 2017 at 10:17 PM

Sir meri beti ki date of birth 19.05.2005hai maine 2014 ko account khola or1year 1000 diposit kiye 2015 ko10000diposit kiye 2016ko 34000diposit kiye our 14year per year 50000diposit karna hai to maturity ko k kitna paisa milega pl answer

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Syed moin February 7, 2017 at 11:33 PM

Sir meri beti ka d/o/b 11/9/2012 hai agar mai per month 1000rs deposit kiya toh mujhe finally kitna milega.???

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Namestaj February 11, 2017 at 4:14 AM

This post presents clear idea in favor of the new users of blogging, that actually how to do
blogging.

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Koushik February 15, 2017 at 10:22 PM

dear sir I want 5000 Thousends contribution in per month yearly (60,000 Thousends ) In sukanya samridhi yojna (.) So please after 21 Years maturity kitna amount milega send intimate amount bY my mail id kingkousi9938@gamil.com

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jitendra vishwakarma February 16, 2017 at 11:12 PM

Agar me har sal ek jesi kist nahi bhar pata hu to kya jitna bhara he uske hisab se alag-2 rasi milegi jease ek sal me 6000 agle sal kam ya jyda to intrest kishisab se milega??? Pls batae……..

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P.l.jaitwar August 2, 2017 at 3:28 PM

sir mari beti ki d.o.b 18.8.2011 hai.uska acc.1.01.2017 ko ssa ke antargat khola gaya hai. acc. me every year 25000.00 Rs. deposit keya ja raha hai.metiruti Amount batae

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jitendra vishwakarma dewas mp February 16, 2017 at 11:17 PM

Sir meri samsya ka hal jarur kare.**

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Adarsh kumar srivastava February 17, 2017 at 9:12 PM

Res sir , my daughter dob 14.01.2005 kya yah yojana 10 saal say adhik age waloo bacchoo kay liya nahi hi ismy sudhar ki jarurat hai.

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siddu dhanyal February 23, 2017 at 8:32 AM

Sir mai apni beti me naamse PR machine 500 rupaye ka khata kolvana chahta hu to muje return KB our kitna milega

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siddu dhanyal February 23, 2017 at 8:37 AM

Sir Esme kitne prkarke skim hai please muje bataye please please

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siddu dhanyal February 23, 2017 at 8:40 AM

Merit beti ki DOB 01-04-2011 hai agar me 01-04-2017 ko PR manth 500 rupye ka khata kholta hu to muje benefit KB our kitna milega please detels me bataye muje

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Raj Kishore February 23, 2017 at 3:31 PM

Hi Sir,
Sir meri beti ka 16/2/17 ko open Bank of India main Sukanya samriddhi A/c open huwa.
lekin open hune se pehle main bank se pura detail diya,
1. Kya main other back se cheque and cash se money jama kar sakta hoon.
2. kya main Bank of india ke kisi bhi branch se paise jama kar sakta hun.
or bank kaha yes aap kisi se kahin bhi other bank ka cheque and cash jama kar sakte ho.

Lekin aaj 23/02/17 bank ne other bank se cheque and cash dono se deposit karne se mana kar diya.
Ab aap batao kya se sahi, agar sahi hai toh pls help me. Agar nahi hai toh aap mera Sukanya Samriddhi yojana a/c band kardo.

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Raj Kishore February 24, 2017 at 2:23 PM

Hi Sir,
Sir meri beti ka 16/2/17 ko open Bank of India main Sukanya samriddhi A/c open huwa.
lekin open hune se pehle main bank se pura detail diya,
1. Kya main other back se cheque and cash se money jama kar sakta hoon.
2. kya main Bank of india ke kisi bhi branch se paise jama kar sakta hun.
or bank kaha yes aap kisi se kahin bhi other bank ka cheque and cash jama kar sakte ho.

Lekin aaj 23/02/17 bank ne other bank se cheque and cash dono se deposit karne se mana kar diya.
Ab aap batao kya se sahi, agar sahi hai toh pls help me. Agar nahi hai toh aap mera Sukanya Samriddhi yojana a/c band kardo.

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Santosh kr singh March 1, 2017 at 12:34 PM

Sir,
Meri beti ki age 8 saal hai agar mai 8+21=29 ho jayega jab ki Hume paise ki jarurat uske saadi me yani ki 21 ya 22 saal me parega to Kya us samay mai paisha nikal sakta hu

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Santosh kr singh March 1, 2017 at 12:36 PM

Sir,
Meri beti ki age 8 saal hai agar mai 8+21=29 ho jayega jab ki Hume paise ki jarurat uske saadi me yani ki 21 ya 22 saal me parega to Kya us samay mai paisha nikal sakta hu

Reply

Ghanshyam prajapati March 1, 2017 at 9:49 PM

sir meri beti ki Dob 07 /10/2010 hai mai yadi 2000 rupay mantly jama karun to meri beti ki 21 yaers bad kitna pay hoga

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Hariom March 16, 2017 at 8:53 PM

Dear sir may daughter born is 08/02/2016
Inform thousand rupees par month what plan

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Sarita March 21, 2017 at 3:48 PM

Sir/Madam,

if i deposited 10000/-on yearly basis in Sukanya Samruddhi Yojna
after 14 years how much should i get?
after 21 years how much should i maturate ?

please mail me sarikrishna21@gmail.com

Reply

sandeep Kumar March 22, 2017 at 12:48 PM

Sir meri beti ki DOB 21.7.2016 h or mai 30000rs yearly jama kraye to mujhe 21 saal ke baad kitni maturity milegi ji btana please

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DHARMENDRA KUMAR April 6, 2017 at 1:20 AM

Dear Sir,
Please help.
Humra family member 3 h.I, my wife & Daughter agar mai suknya smridhi account open kiya ho agar humara faimly member ko kisi accidents ke wajh se die(mirtyu) ho jata h to account ke paisa ka haqdar koin hoga kiya humare Brother(my daughter uncle) & humare Father, Mother (my daughter Grand father&Grand mother) ko mil sakta h.
Plzzz reply. …

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ram ji pandey March 26, 2017 at 9:31 AM

Sir meri beti ki dob 20/3/2017 h sir me government dr. Ki post me hu.plz tell me best policy. and me 150000 vali policy karvane se hamare Texas me kya fayada h.

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Aarti sahu April 6, 2017 at 2:13 PM

Hi sir,,
Am Aarti sahy my daughter dob 14/02/2014.abhi WO 2year 2month ki h kya mai ye plan le sakti hu….or per months 1000/-jams karne PR 21 year me kitna banega….plz reply immediately. Thanks

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Bala Raul April 26, 2017 at 2:57 PM

Dear Sir,Madam Pls Meri Beti ka Date of Birth 21-10-2013 hai to main 2013 se monthly 1000 Rs Deposit Kar Raha hu To muje kitna Machurity Amount Milengi pls Tell me

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Bala Raul April 26, 2017 at 2:58 PM

Dear Sir,Madam Pls Meri Beti ka Date of Birth 21-10-2013 hai to main 2013 se monthly 1000 Rs Deposit Kar Raha hu To muje kitna Machurity Amount Milengi pls Tell me

Reply

chirag rathod April 26, 2017 at 6:42 PM

sir me monthly 3000 deposit karu to 21 sal bad mere ko ketni metruty melengi

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Pradeep Garg May 19, 2017 at 12:07 PM

Sir/Mam, meri beti ki DOB (26.08.2014) agar me per month 2000 pay karta hun to mujhe (14 yrs) & (21 yrs ) me total kitna return milega.
Or sir mera account syndicate Bank me hai to me usi personnel A/C se ye sukanya Yojna carry on kar sakta hun.
please sir provide to right information.
Thanks

Reply

Pradeep Garg May 19, 2017 at 12:13 PM

Sir/Mam, Meri Beti Ki DOB 26.08.2014 hai sir agar me per month 2000 pay karta hun to mujhe (14 yrs )& ( 21 yrs) me kitna return milega .
Or sir mera account syndicate bank me h kya me wahan se ye wala acciunt carry on kar sakta hun. so please sir give me a right information .

Thanks

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savi May 21, 2017 at 9:58 AM

sir, my daughter 7 years old . 1000.00 monthly Deposits this scehme.
after 21 years maturity Amount. Pls Reply

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irfan shaikh June 6, 2017 at 8:48 PM

Sir Maine monthly 1000 ka plan liya hai iske alwa Kya mujhe agle 14 saal tuk per year 1000 aur deposit Karna hoga is hisaab se meri beti ko kitna amount milega 21 years ke baad

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preeti. June 4, 2017 at 5:24 PM

my passbook is lost .and i wanna deposit the money.what would i do?

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Rajesh June 5, 2017 at 3:08 PM

sir, please get more details of SSY project

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jyotirmaya August 3, 2017 at 6:19 PM

sir, we started to deposite after my daughter age is 3years , the maturity is on 14 years or 17 years we will recive

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manoj sharma August 4, 2017 at 5:12 PM

sir interest rate mounth ki kiss date se start huta hai.

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kalpesh September 8, 2017 at 3:02 PM

monthly minmn kitana rs. bhar sata hu

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ramjas September 29, 2017 at 9:15 PM

sir meri bity 2manth ke hi sal ke 20000 jama keru 21sal me ketne rupees mileage

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PC thomas October 7, 2017 at 7:42 PM

Sir my Granddaughter 2years old 25000.00onetimeDeposits this scheme
After 21years maturity Amount pls Reply

Reply