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Sukanya Samriddhi Yojana (SSY)

📑 5 slides 👁 4 views 📅 3/1/2026
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Introduction to SSY

Government-backed savings scheme for girls' future needs.

Introduction to SSY
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Key Features

  • Minimum deposit: ₹250/year, Maximum: ₹1.5L/year for tax benefits.
  • Current interest rate: ~8.2% p.a. (compounded annually).
  • Tax benefits under Section 80C with EEE status.
  • Maturity period: 21 years or marriage after girl turns 18.
Key Features
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Deposit & Withdrawal

  • Deposits required for first 15 years only.
  • Partial withdrawal (50%) allowed after girl turns 18 for education.
  • Full withdrawal at maturity (21 years) or marriage after 18.
  • Account can be reactivated with penalty if payments lapse.
Deposit & Withdrawal
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Investment Benefits

  • ₹1000/month can grow to ~₹5.5L in 21 years.
  • ₹3000/month can grow to ~₹16L in 21 years.
  • Tax-free interest and maturity amount.
  • Helps fund higher education or wedding expenses.
Investment Benefits
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How to Open Account

  • Visit nearest Post Office with required documents.
  • Submit birth certificate and ID proof of girl child.
  • Guardian needs to complete application form.
  • Minimum initial deposit of ₹250 required.
How to Open Account
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