Pradhanmantri Sukanya Samriddhi Yojna In Hindi प्रधानमंत्री सुकन्या समृद्धि योजना | sukanya samriddhi yojana in hindi, sukanya samriddhi yojana in hindi sbi bank, sukanya samriddhi yojana 2017 in hindi, sukanya samriddhi yojana form, sukanya samriddhi yojana scheme, sukanya samriddhi account!

Sukanya Samriddhi Yojana

The Sukanya Samriddhi Yojana is a small deposit scheme which started on 22nd January 2015. It is a scheme initiated by the Indian Government under the prompt leadership of Mr Narendra Modi. This scheme is based on the essential initiative of “Beti Bachao, Beti Padhao”. It is a saving scheme which is targeted towards the Indian parents. The scheme is aiming to secure the future of a girl child and protect them from the malign of the country. Being a father of a girl child, it is inevitable that responsibilities cannot be ignored. The cruelty which is enforced on a girl child, especially in rural areas is a paragon which shows that why this scheme is very important for Indian people as well as the society. This scheme showed drastic impacts since the past three years. The interest rate on the scheme currently is 8.1% and it also includes income tax benefits.

• सुकन्या समृद्धि योजना के बारे में हिंदी में पड़े – यहाँ क्लिक करे 

 Rules for opening the account

The first and the most important question is how the account can be opened. What is the criteria and requirement for opening the account? The account can be opened in any authorised branch of different commercial banks or by the means of a post office. The account can be opened in the name of a girl child, by a legal guardian from her birth till the age of 10 years. It is essential to know that only a single account can be opened in the name of one child. The accessibility provided by the government to the people residing in the rural areas shows the credibility and uncynical nature of this scheme. The legal guardian should also submit the birth certificate of the child along with other documents. This is done to verify the residential and identity proof of the depositor. The initial deposit amount in the account is Rs 1,000 and it can go up to a limit of Rs 1,50,000.

A great feature of this scheme is that if any person is not able to deposit the required amount due to any circumstances, the account can be reinitiated after paying a fine of Rs 50. The deposits in the account can be made until a period of 15 years. Proper interest will be provided on the amount deposited. The money deposits can easily be made by means of cash, cheque, etc. Also, electronic transfer and CBS are used for transferring the money to the respective accounts.

• Read More About : Ladli Laxmi Yojana

Important aspects and Premature Withdrawal

The girl child can operate her account when she turns 10 and the required deposits can be made by the guardian. This account has a fixed maturity period of 21 years. This means that the account has a Long Lock Period and premature withdrawals can only be made in conditions of excessive need. For example, in case of the death of the account holder, the account would be closed immediately on the production of a death certificate and the amount along with the interest will be paid to the guardian.

In any other case, a request for premature withdrawal can be put forward by means of an application after a period of 5 years, but this will be allowed under extreme conditions such as medical issue or educational needs. Another great aspect of this tremendous scheme is the transferability. This means that the account can be transferred to a different location if the account holder shifts to another city. The account matures on the completion of 21 years from the date of opening or whenever the girl child gets married, whichever is earlier. Further, if the account is closed before the completion of 21 years, the account holder will have to give an affidavit to the effect that she is not below 18 as on the date of closing of the account.

Records and Estimates

Until 1st February 2018, more than 1.26 crore accounts have been opened. This shows the growth and modernization even in rural sectors of our country. It is quite shameful how a girl child is treated in our country. But when the time and situation demands, measures like these have the power to transform the destiny of an entire nation. Records show that this scheme has collected nearly Rs 19,183 crore in the name of the girl child in India. This scheme lays down a big responsibility on the post offices, especially those which are situated in villages. Recent surveys have shown that different post offices are working towards improving their services which is another boon for our society. This is truly a step towards the betterment and improvement of our nation.

Conclusion

If we look at a picture of Modern India, we clearly see certain difficulties and areas where a huge amount of improvements are needed, but a wise man rightly said that “No country is the best, it can always be made better by the people“. The suave nature of the Sukanya Samriddhi Scheme sets a benchmark for the entire nation. It proves we can strive towards removing these evils which pollute our homeland. This scheme is the best option for a caring father. It reduces the high amount of expenses that he has to bare to get a proper living for her daughter. This is a scheme that the entire nation needs. Proper utilisation of this will certainly extract great results in future.

• सुकन्या समृद्धि योजना के बारे में हिंदी में पड़े – यहाँ क्लिक करे