Sukanya Samriddhi Yojana 2025-26 – 8.2% Interest: Beti Ka Bhavishya ₹250 Se Secure Karein
✅ Verified Key Facts (FY 2025-26):
- Interest rate: 8.2% per annum (compounded annually) — FY 2025-26 ke sabhi quarters ke liye confirmed
- Minimum deposit: ₹250 per year
- Maximum deposit: ₹1.5 lakh per year
- Eligible age: Girl child 10 saal se kam
- Maturity: Account opening se 21 saal baad
- Deposit period: Sirf 15 saal — phir bina deposit ke interest milta rahega
- Tax benefit: Section 80C — EEE category (invest + interest + maturity — teeno tax-free)
SSY Kya Hai?
Sukanya Samriddhi Yojana (SSY) "Beti Bachao, Beti Padhao" campaign ke antargat January 2015 mein launch ki gayi. Yeh ek government-backed small savings scheme hai — exclusively 10 saal se kam umar ki beti ke liye.
8.2% interest PPF (7.1%) aur zyatar FDs se zyada hai. Yeh EEE category mein aata hai — deposit pe 80C deduction, interest pe zero tax, aur maturity amount pe bhi zero tax. India ki sabse best tax-saving scheme beti ke liye.
Account Kahan & Kaise Kholein?
- Nearest Post Office ya authorized bank mein jaayein
(SBI, Bank of Baroda, PNB, Canara, BOI, HDFC, ICICI, Axis, IDBI, etc.) - SSY account opening form fill karein
- Documents: Beti ka birth certificate + Parent/Guardian ka Aadhaar + Photo
- Minimum ₹250 deposit se account turant khul jaata hai
- Passbook milega — har saal minimum ₹250 daalein (nahi daala toh ₹50 penalty)
Maturity Calculator – Kitna Milega? (8.2% pe)
| Yearly Investment | 15 Saal Total Deposit | 21 Saal Maturity (~8.2%) |
|---|---|---|
| ₹12,000 (₹1,000/month) | ₹1.80 lakh | ~₹5.4 lakh |
| ₹36,000 (₹3,000/month) | ₹5.40 lakh | ~₹16.1 lakh |
| ₹60,000 (₹5,000/month) | ₹9.00 lakh | ~₹27 lakh |
| ₹1,50,000 (maximum) | ₹22.50 lakh | ~₹69–70 lakh |
💡 Key Rule: Sirf 15 saal tak deposit karna zaroori hai. 16th se 21st saal tak kuch mat daalo — phir bhi 8.2% interest milta rahega! 21 saal mein poora amount milega.
Partial Withdrawal & Closure Rules
- Beti ke 18 saal hone ke baad — 50% tak nikaal sakte hain (education ke liye)
- Beti ki shaadi 18 ke baad hone pe account premature close ho sakta hai
- Account transfer ho sakta hai — ek post office/bank se doosre mein
Disclaimer: Interest rate quarterly revise hoti hai. Latest rate ke liye indiapost.gov.in check karein.