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
Mumbai’s Postal Department has recently launched a new website www.sukanyaaccountmumbai.in for the investors in the Mumbai region to guide and help them open accounts under its most popular scheme Sukanya Samriddhi Yojana. This website provides all kind of information about this scheme, including its salient features, frequently asked questions (FAQs), application form for account opening and most importantly, the “Sukanya Samriddhi Calculator”.
List of Post Offices – The website also carries a list of 417 post offices located in Mumbai along with their complete addresses and respective contact numbers (landline). You can now contact any of these post offices nearest to your place and talk to the concerned officer directly regarding any features of this scheme.
Toll-Free Number – Mumbai post has also taken the initiative to start providing info regarding the scheme and also resolving investors’ queries on its customer care toll-free number 1800-223-060. You can now dial this toll-free no. and have your queries resolved regarding Sukanya scheme.
Call Back Facility – They have gone one step forward by introducing the call back facility as well, in which you need to provide your name, e-mail id, contact number and PIN code and they will call you back and provide all the necessary information.
Facebook Page – Mumbai Post has also created a dedicated facebook page for this scheme, namely Sukanya Samriddhi Account Mumbai Postal Region.
At a time when most of the banks are just not ready to provide any info regarding this scheme, all these initiatives are really appreciable.
What impressed me the most is the availability of the excel-based calculator on this website. I did not expect such a move by a postal department in such a short period of time. I really appreciate such proactive steps taken by the Mumbai postal department. This calculator calculates for you the expected maturity value that you’ll get after 21 years based on your annual or monthly contributions. You can check the maturity values based on your variable contributions as well.
You can get an idea about the maturity values from the below pasted tables as well based on your annual or monthly contributions and a constant rate of interest of 9.2%.
Maturity Value Table – Yearly Contribution
Maturity Value Table – Monthly Contribution
So, I think the investors in the Mumbai region now should not feel helpless as the Mumbai postal department has done a wonderful job by providing all kind of information about this scheme on its website and also by launching a toll-free number for handling investors’ queries.
Toll-Free Number – 1800 223 060
Sir maine apne child ka account SSY me birth certificate se jabki school me naam dusra hai ab jo I.D. banegi wo unke school k naam se.
Aap mujhe ye bataye ki jab 21 saal par mujhe payment karwana hoga tab mujhe koi problem to nahi hogi I.D. ki wajah se.
Nahin Niraj, aapko koi problem nahin hogi.
Sir maine apni child ka account ssy me khulwaya hai birth certificate se
lekin school ka naam doosra hai
to kya mujhe bhavisya me maturity k liye koi problem hogi.
Kripya iske bare me detail me bataye
Hi sir
Main ye janna chahta hu ki kya main plan ko chnage kr skta hu jase m 1500/month wala plan use kr rha hu.
lekin ab main use chnge krna chahta hu 5000/month me. To kya esa ho skta h?
[ I want to know that may i change my daughter’s sukanya plan from 1500/month to 5000/month?]
thanks and regards
Bhawani singh
Hi Bhawani,
You need to deposit a minimum of Rs. 1,000 per annum. You can deposit up to Rs. 1.50 lakh per annum whichever way you want, either Rs. 5,000 per month or Rs. 1,500 or any other amount, in a month or once in a year, as per you wish.
My son had opened account with SBI Hyderabad in his daughters name . After the first year depositing he forgot to continue for 2.years. The account is in INACTIVE AND PENALTY status and SBI have confirmed they cannot do anything since they just open the account. How DO I reactivate and pay the penalty penalty
Dear sir,
now my sister age is 12 years old. so i want to know how i can start sukanya samrudhi yojna.please note i will deposit amount on yearly basis.
regards
sonu
Hi Sonu,
If your sister has DoB before December 2, 2003, then she is not eligible for this scheme.
Hi Sir,
I am arvind i have open a account my daughter suknya if i save account per annual 5000 so how will i get muturity ammunt after muturity.
how to see the online account what is my save total ammunt.
Hi Arvind,
Rs. 5,000 annual contribute karne pe aapko maturity pe approximately Rs. 2,66,882 milenge. Online account check karne ke liye aapko bank mein account khulwana hoga jo online facility provide karta ho.
Dear Sir,
I want to know that is there any age limitation to start the account? I had a baby girl of one month age, can i able to start an SSY account for her now?
All other informations are clear,Please let me know a clarification on this only.
awaiting reply from your side
Thanks in advance,
Manu KV
Hi Manu,
Your daughter is eligible for this scheme. Age is no constraint for opening this account.
Thank you Sir for your reply
Sir,
i am rajender from bhainsa (v),Dist:adilabad, telangana. Sir, i tried to open sukanya scheme of my doughter since 3 months, but here post office they are neglect to open. they alway says that there is online problem since 3 mohths. Sir,kindly solve my problem
post office name: bhainsa post office
pincode no: 504103
Sorry Rajender, we do not have any such authority/power to resolve this problem.
Dear sir,
Meri beti ka pahle se saving account hai,main uska account sukanya yojna me open karwa sakta hun kya.
Yes Mr. Singh, aap apni beti ka SSY account khulwa sakte hain.
Dear Sir,
I want to know that is there any minimum limit of deposit in this account in a year and what could be the reasons for becoming it inactive? I deposited Rs 3000 in a year and some people told me that it will become deactivate. Is there any option to pay it online? If yes, please tell us.
Regards,
In the time of Account opening my doughter DOB is 13/07/2013 and uid is also same but now we change actual DOB in Uid I. E.13/07/2012 and school admission is as per actual. So my question is the is valid for amend date of birth or not. I can be deposit amount continues. In time of withdrawal what difficulties will come.
Hamare yaha pe bank officers bolte hai ki ssy yojna ka account nahi khul sakta par o bhi national bank hai- indian overceas bank yani unko pata nahi hai kya us yojna ke bare mai
Hi Vinod,
Aap kisi post office ya doosre bank ja ke ye account khulwa sakte hain.
Sir, meri beti 1 month ki hai mujebhi uski ssy acc kholni hai par meri wife ki kuch bhi id proof nahi hai to kya meri ladki ka acc nahi kulega ple puro imformation bataye
Hi Vinod,
At least ek valid id proof zaroori hai ye account kholne ke liye.
Hi Sir,
per year how many times we can deposit amount 150000/- , i mean is it possible to deposit amount multiple times in same month.
Ex: July 7 deposit 1000
July 20 deposit 10000
July 30 deposit 5000
like wise, is there any limit for the number of deposits in a year.
Please clarify me .
Regards
Uma shankar
Hi Umashankar,
You are allowed to make deposits as many times as you want in a month or in a year. There is no such limit.
Thank you sir …for clarifying it and for prompt response.
Even i’m not getting proper guidelines about these scheme from Banks as found here…..grt work !!
SIR,
SUKANAYA YOJNA ACCOUNT MEH PAISE HAR MONTH DEPOSIT KARNA HAI YEHA YEAR MEH KHABI BI DEPOSIT KAR SAKTYA HAI ?
Santoshji, saal mein ek baar kabhi bhi deposit kar sakte hain.
SIR,
SUKANYA SAMRIDHI ACCOUNT MEH PAISE HAR MONTH DEPOSIT KARNA HAI YEHA YEAR MEH KHABI BI DEPOSIT KAR SAKTYA HAI ?
Please sir 14 year paisa karna or 21 year girl hone par 6 lakh wali yojna ki detail batayen please
Hi Mohd Ikram,
Ye link check keejiye, isme saari details hain – http://www.onemint.com/2015/03/03/sukanya-samriddhi-yojana-tax-free-small-savings-scheme-for-a-girl-child/
can give anybody information of sukanaya jojna
What information you want to know Arjun?
Hello sir
Head post office kanpur mai mujhe jankari di gai ki sukania samridhi yojana mai aap ko sirf 14 years hi rupees jama karna hoga or 21 years mai rupees milaga .
Sir pls detail me this sceme
kya me sukanaya yojna ke bare me kuch janna chahatau kya koi bataiyaga
sir please give me some information of sukanaya yojna
Ferozji, please check this link for more details – http://www.onemint.com/2015/03/03/sukanya-samriddhi-yojana-tax-free-small-savings-scheme-for-a-girl-child/
Dear Sir,
Can u please clarify that if a child is having 1 ppf account in SBI then is she eligible to open Sukanya account ?
pls.reply..
Yes Sachin, the child is eligible for SSY account also.
My baby ssy account in post so….can I baby ssy acount transfer in SBI ……….plz help m bcz my problem face in post office. …..
Zadda sey zadaa shaal me 1000 or 14 shal me =14000 or 21 shal me 600000 lackh barobane sir ji sham yaa rong
kukreja gi meri fo sistetr avi unki age 17 yers and second 14 years he .
koi sechme he kya p youjna me
Hi Sir,
Is the maturity value exempt from tax (EEE)?
Regards
Yes GS, it is EEE & tax-free on maturity.
sir meri beti ki dob 6/12/15/ he agar me 1000 years jama karta hu 14 years tak to 21year baad kitna milega
Dear sir, maine sa account 2015 main khulvaya tha us time interest rate 9.2%. tha ab interest rate 8.6% hain mujhe meri maturity 9.2% se milegi ya 8.6% se milegi aur iska paisa deposit karvane ka date kya hain aur amturity amount kitna milega aur sir main isse post office se sbi main transfer karvana chahata hu
2578564
Dear Sir/Ma’am,
I want to take the benifit of sukanya samradhi scheem. My child DOB-DOB 09 May 2017. So please guide, can we apply for this.
we have also A/c of SBI .So please confirm, how to take the benifit.
Kindly suggest me.
Regards-
Abhay Kumar
Mob-9990865929
Hello Sir,
Maine beti ka sukanya a/c 22-may-2015 ko open Karaya. March-2016 tak only 7000 hi deposit kr paya. Uski interest 353 hi calculate hui. 7000 pr itni km interest kyu mili..bataye
Hello sir
Meri ek sister h .or jija ji ki road accident m death ho gaye
Unke 2 ladki h
Ek ki age 10 saal kam h
Sir hum uska account khulwana chahe to kya krna pdega
Or hume kitne rupyee deposite krwane padege
Hi Nitish,
Aapko Rs. 1,000 se account khulwana hoga. Aap beti ka birth certificate, mother ka id proof, address proof aur 2 photos le ke post office jaaiye, account khul jaayega.
Sir me JASU RAM meri ladki ka nam gomati h mere girl ke mother ka name aadhar card me amarti h lekin mere girl ke birth certificate me girl ke mother ka nam imiyo h to account open ho jayega please karpa karke es samasya ka hal nikal ke bataye
Hi sir meri beti ka account Punjab National Main open 2017keya hai abhi pessa deposit nahi karte keya karu kuj bataye
Chinki ki pass book kho gae hai Abhi kya kare