Giving financial security for the marriage and education of needy girls in the country Pradhan Mantri Kanya Dhan Yojana The complete information is given in this article. If you are also thinking of planning your daughter’s marriage, education and other financial needs, then this scheme can prove to be the best for you.
Pradhan Mantri Kanya Dhan Yojana 2022 –
It is a savings scheme in which an account is opened by the parents in the name of the girl child in the post office or any bank. Official name of this scheme Sukanya Samriddhi Yojana Is. Accounts opened under this can be opened till the girl’s age is 10 years.
The money in the scheme is deposited every month in installments, which can be withdrawn only after 21 years. In this, the Government of India gives complete tax exemption. Parents can deposit minimum 250 or maximum 12500 rupees every month according to their financial status.
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Money will be deposited through digital account –
Under the Pradhan Mantri Samridhi Yojana ie Pradhan Mantri Kanya Dhan Yojana, applicants can deposit their money digitally. Like before, now the Indian Postal Service has started a digital account with an offline account and under this they have to deposit this money.
Like banks, Indian Postal Service has introduced online and digital savings account. Due to this digital account, now customers will not need to go to the post office, rather they can deposit this money online in the digital account of the post office.
Whose account will be opened under the Pradhan Mantri Kanya Dhan Yojana?
Under the Pradhan Mantri Kanya Dhan Yojana, accounts were opened in the name of parents of girls whose age is less than 10 years. Those accounts will be operated by their parents only and also the money transactions in that account can also be done by the parents of the girl child.
The money associated with this savings scheme can always be withdrawn only by their parents, but for this also there are some conditions like this money can be withdrawn only for the girl’s marriage or girl’s education. Apart from this, no one can withdraw these money.
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Eligibility for PM Dhan Yojana –
- girl’s age To apply under the Pradhan Mantri Sukanya Yojana, the girl’s age should be less than 10 years.
- Resident Beneficiaries taking advantage of the scheme should be a native of India.
- same account Under this scheme, only one account will be opened in the name of the girl child, not that both mother and father should open separate accounts, it will not happen. Under the scheme, the account of a daughter can be opened by only one parent.
- account holder number Under this scheme, account of only two daughters of a family can be opened. If there are more than two girls, then in that case only two girls account can be opened. If there are twin daughters, then both of them will be treated as one and in that case an additional account can be opened.
Apart from this, girls who are weak in the family and need them will be included in this. Under this scheme, a good interest will be given on the deposit amount, after which if that money increases, then it will fulfill the need of the girls.
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Documents required for PMSSY scheme –
- Scheme related application form
- girl’s birth certificate
- ID proof of the person who deposited the money in the account
- medical certificate
- Apart from this, other documents can be asked for in the post office.
Account will open under Pradhan Mantri Kanya Dhan Yojana –
The applicant will have to open an account in the post office under this scheme and money can be transferred to that account through online digital mode. If an account is not opened in the post office, then that account can be opened in the bank.
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Open account will not be default under the scheme –
The account opened under this scheme will not be in default. Under this scheme, it has been said that if an account associated with this scheme is open and no transaction takes place in it, then in that case there will be no default like normal accounts nor will any penalty of any kind be imposed on it.
Yes, if the account holder does not deposit the amount after opening the account, then in that case that account will be in default.
Operation of Account –
The account opened under this scheme will be operated by the parents of that girl till the age of 18 years and after that these accounts can be operated by the girls themselves. From this layer these accounts can be operated.
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Provision of amount deposited in the account –
Under this scheme, at least 250 rupees have to be deposited in this account and the maximum amount is 15 lakhs.
There is also a provision for maturity of the amount deposited in the account under this scheme. In this, the girl’s age is at least 21 years or till her marriage, that amount can be withdrawn. At the same time, interest of about 7.6 percent will be given on the amount deposited in this account, it will be deposited at the end of the financial year.
Pradhan Mantri Kanya Dhan Yojana is tax free
Under section 80C of the Income Tax Department, the amount deposited under this scheme will be completely exempt from tax.
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