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,
Mene SSY Me A/c Khulwa Liya Hai. Plz Aap Itna Bataiye 1,50,000/- Year Jama Karwata Hu To Maturity Approx 80,00,000 (jaisa aapne bataya) Hoti Hai. To Kya Ye Amount Bina Tax Kate Kaise Milega. Chek Ya Cash Ya Phir Bank Me Transfer Hoga ?
Sukanya
SIR
MERE DAUGHTER KA DOB 14 NOV 2003 HE. KAYA ME SUKANYA PRIYOJNA KE TAHAT KHATA KHOL SAKTA HU. AGAR KHOL SAKTA HU TO ACCOUNT KHOLTE SAMAY KITNE PESE DENE PADENGE.
MY CONTACT NO 9599363418
Hi Jitender,
Your daughter is not eligible for this scheme.
Sir..i wants to know about 2dec2003& 1dec2004…6 dec 2003dt of birth hona sa account open hoga
Yes Vikram, Girl child with DoB 6th Dec 2003 is eligible for this scheme.
Sir
Hume Bataye ki Har saal 12000/- 14 saal tak deposit karne per kitna Paisa milega. Is time meri Ladki ki Umar 5 year hai. Agar Mai aapni ladki ki saadi 19v saal mai karta hu to.
Hi Mulchand,
14 saal Rs. 12,000 deposit karne pe aapko 21 saal baad Rs. 640,517 maturity value milegi @ 9.20% – http://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
Agar aap 19 saal mein apni beti ki shaadi karwate hain to aap shaadi ke time 100% balance amount withdraw karwa sakte hain.
Hi I have account number for suknya. How to check balance in same by online with this number..
if i want open this account for brothers Daughter And i dont have any proofs of My brother and His wife So in that case can i open account???
Yes Haresh, you can do so by becoming her legal guardian.
Dear sir,
kya har sal 150000 deposite kar sakte h , ek sal me 150000 ek bar me jama kar sakte h kisi bhi month me . please help me sir
Yes Mr. Sunil, aap har saal Rs. 1.5 lakh jama kar sakte hain, kisi bhi month mein.
mere do ladki 5 aur 3 sal ki aur mai unka a/c SSY mai kholna chahta hu. mai janna chahta hu ki 14 years tak mujhe kitna paisa jama karna padega. maine suna hi ki 14 saal tak 150000/- Deposit karna padega aur after 18 years 650000/- milega. Sir please clear mai bahoot hi confusue hu
Hi Mr. Manoj,
Aapko account khulne ke baad 14 saal tak invest karna hoga. Agar aap har saal Rs. 1.5 lakh invest karte hain to aapko account khulne se 21 saal baad approximately Rs. 80,06,464 milenge @ 9.2% p.a. – http://www.onemint.com/2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
what will be happened if Parent or baby child died… ??
Hi Prabhat,
If something unfortunate happens with the girl child, her parents/legal guardian can withdraw 100% of the balance. If something unfortunate happens with the depositor, the girl child or her legal guardian has the option to either withdraw the balance & close the account or continue funding it.
Hi Shiv Sir,
mere 2 se 3 question hai sukanya samrudhi yogna ke bareme please sir mujhe details bata denge. via email.
1. har sal ya har month paise deposit karne padenge ek sath amount bharke direct 18 sal ke bath benift nahi le sakte
2. agar government change ho gaye to kaya ye scheme bandh ho jayegi
3. or ye policy may bus passbook hi milta hai kya dusra koi document ya certificate nahi milta hai kya agar bassbook gum hogaya to fir kaise policy cover karenge
please sir thoda details may batana mail may my mail id vijayj563@gmail.com
Sir meri ek ladki 3 year ki hi aur uska birth certificate private hospital ka hi to kya sukanya samridhi account nahi kholega post office me gay to bole government dawara issue birth certificate chahiya
mere do ladki 5 aur 3 sal ki aur mai unka a/c SSY mai kholna chahta hu. mai janna chahta hu ki 14 years tak mujhe kitna paisa jama karna padega. maine suna hi ki 14 saal tak 150000/- Deposit karna padega aur after 18 years 650000/- milega. Sir please clear mai bahoot hi confusue hu
Sir
mere do ladki 5 aur 3 sal ki aur mai unka a/c SSY mai kholna chahta hu. mai janna chahta hu ki 14 years tak mujhe kitna paisa jama karna padega. maine suna hi ki 14 saal tak 150000/- Deposit karna padega aur after 18 years 650000/- milega. Sir please clear mai bahoot hi confusue hu
my daughter was born on 12.12.2003 is she eligible for sukanya samrudhi scheme please reply…
Yes Ramesh, your daughter is eligible for this scheme.
sir;mene aapne bachhi ke nam se gav ke post office me account khola he.
kya me account post office se SBI bank me transfer ker sakta hu?
uske liye muje kya karna hoga
Hi Kiran,
Aap apni beti ka account SBI mein transfer karwa sakte ho. Transfer process ki info post office/bank se poochiye.
Please me call on my mobile no.9602090308
How will the inflation and value of rupee will effect the total output…
Is it worth?
Hi Seeker,
I think 9.20% rate of interest is the maximum any government scheme is offering tax-free. So, I think it is definitely worth investing.
Sir I have open my daughter SSA account in Post office, no i want to transfer my account to SBI bank, i visit the post office for that they told me you cant transfer this account to bank. please help me… how can i proceed further….
Hi Amit,
You can transfer your account from your post office to a SBI bank branch. But, I think most banks are not doing transfers as of now. You should wait some more time for these banks to start the transfer process.
i have mentioned in form Rs. 4000. so kindly advise to me, I can deposit in bank mothly 4000 or maximum money also.
reg-Tapas
Hi Tapas,
You can deposit more money also, up to Rs. 1.50 lakh in a financial year.
Sir/madam,
i want to know that for sukanya samridhi because i have done one account for sukanya samridhi in SBI but my comments is i have amount given Rs. 4000, that one monthly or yearly. So kindly give me reply. i have putted as a monthly.
Regards, tapas
Sir main post office gaya tha.
Wahan par mujhe bataya gaya ki jaise ssy acc. Kanak sahu k naam se hai aur birth certificate par bhi kanak sahu hai.
Jabki school me naam swasti sahu hai.Post office wale kahte hain ki aapki i.d. swasti sahu k naam se banegi isliye payment me problem hogi.Sir maine paise bhi jama kar diye hain. So please sir mujhe iske baare me sahi ray detail me bataye bahut meharbani hogi.
Hi Niraj,
Aapki beti birth certificate ke basis pe amount withdraw kar sakti hai. But, cheque Kanak Sahu ke naam pe banega. Isliye Kanak Sahu ke naam pe bank account bhi hona chahiye.