How to Open SSY Account 2022

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Under the SBI Sukanya Samriddhi Yojana 2021-22, the people of the country are in the State Bank of India (SBI). Sukanya Samriddhi Account By opening, you can secure the future of the beloved daughter of your house, that is, you can save the future of the girl child of the country, in today’s time of inflation, it is a very big challenge for the common people to secure savings, in this way I have SBI Sukanya Samriddhi Yojana can support them

Sukanya Samriddhi Yojana (SSY) 2022 There is a small savings scheme supported by the government especially for the girl child. As per this scheme, a parent or legal guardian can open an account in the name of a girl child till she attains the age of ten years. The objective of the scheme is to encourage the parents or guardians to create a fund for the future education and marriage expenses of their female child. It is part of the “Beti Bachao – Beti Padhao” initiative of the Government of India. It is commendable that the government is taking steps to change the mindset of the people towards the girl child.

SSY account can be opened in post offices and some Specially Designated Banks (SBI). An SSY account also offers income tax benefits with a deduction of up to Rs 1.5 lakh under section 80C along with higher interest rate as compared to other small savings schemes.

Sukanya Samriddhi Account In SBI

SBI Sukanya Samriddhi Account 2022 (SSY)

SBI Sukanya Samriddhi Yojana is a government backed girl child upliftment scheme specially designed for the girl child in a family. This scheme has been launched to encourage the parents/guardians of the girl child to create a corpus for her further education and marriage expenses etc.

Sukanya Samriddhi Account Scheme is a small savings scheme by the Government of India specifically to help the future of the girl child. As per this scheme, a parent or legal guardian can open an account in the name of a girl child till she attains the age of ten years. Sukanya Samriddhi Yojana in SBI also provides income tax benefits to the account holder and income tax deduction is available under section 80C for amount up to Rs 1.5 lakhs. Also it is compared to other small savings schemes. higher interest rate also provides.

How to open Sukanya Samriddhi Yojana Account in SBI?

SBI allows opening of SSY account in an easy and hassle free manner. Individuals who do not have an account with SBI can open an SSY account by submitting the following documents:

Step 1. Above all application form Fill what you will get in your bank

Step 2. Now passport size photographs of the applicant and parent or legal guardian should be attached with the application form

Step 3. Attach and submit the copies of the documents listed below.

Step 4. Pay the initial deposit amount. The minimum amount to open an account is Rs 1,000 and the maximum amount is Rs 15 lakh.

Step 5. Once the account is opened, a standing instruction can be set up at the bank for crediting the account.

Step 6. Once the account is opened, applicants can deposit their amount online either through cash, cheque, demand draft, internet banking.

Note- Click on the link given below to get detailed information about Sukanya Samriddhi Yojana

Documents Required for Sukanya Samriddhi Yojana Account

  • birth certificate of girl child
  • Photo identity card of parent or legal guardian
  • Address proof of parent or legal guardian
  • baby and parent photo
  • application form

SBI Sukanya Yojana 2022 Features

SBI sukanya samriddhi account 2022 has some important features which are as follows:

  • The maximum period that can be deposited is 15 years from the date of opening of the account.
  • As notified by the Government of India, the balance will be calculated in full thousands annually with the option of paying monthly interest.
  • As applicable under Section 80C of the IT Act, 1961. In the latest Finance Bill, the scheme has been extended the triple exemption benefit i.e. the amount invested, the amount earned as interest and the amount withdrawn will not attract any tax.
  • Irregular payment / revival by payment of penalty of Rs 50 per annum with minimum specified amount per annum
  • For the scheme, if two girls of the family or 2 twin girls are born on the second birth, then all the three girls of the family can take advantage of this scheme.
  • Only one account can be opened per girl child. Also, maximum 2 accounts can be opened in a family for two girl children.
  • The period of deposit is 21 years from the date of opening of the account
  • The minimum deposit amount that can be obtained in Sukanya Yojana SBI is Rs 250 per account. Also, the maximum amount limit is up to Rs 1.50 lakh per account. Also, there is no limit on the number of deposits an account holder wants to make in a month or a financial year.
  • An SBI Sukanya Samriddhi Account can be opened only in the name of the girl child and not in the name of her parents/legal dependents.
  • This scheme is only for girl child whose parents/legal guardians are residents of India.
  • If a girl child acquires non-resident status after opening an SBI Sukanya Samriddhi Yojana account, her parents should inform the concerned SBI branch about the change within 1 month. After that the account will be closed.
  • The age criteria for SBI Sukanya Yojana is from the birth of the girl child to the age of 10 years.
  • SBI sukanya samriddhi account can be closed after attaining maturity after completing the tenure of 21 years. The amount along with the interest accumulated in the SSY Account is paid to the girl child after the age of 18 years.

Suknya Smridhi Account FAQ (FAQ)

To open a new SSY account, the applicant should already have an account with SBI?

It does not matter whether applicants have account in SBI or not applicant can open new Sukanya Samriddhi State Bank of India (SBI) by submitting suitable documents

What is the minimum deposit amount for opening SBI Sukanya Samriddhi Account?

Sukanya Samriddhi Account can be opened with a minimum deposit of Rs 1000, later you can continue the account by depositing it on Rs 100 or its multiple amounts

Where to contact for opening Sukanya Samriddhi account in SBI branch?

To open a Sukanya Samriddhi account in SBI, you have to contact the bank. Your nearest SBI branch may have a separate office for Sukanya Samriddhi Yojana, he will tell you all the process of opening the account.

What should be the age of the girl child to open Sukanya Samriddhi Account?

To open SBI Sukanya Samriddhi Account, the girl child should be above 10 years of age

Can the account under Sukanya Samriddhi Yojana be opened in any bank other than State Bank?

Yes, any person can open Sukanya Samriddhi account of his girl child in any bank other than SBI

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