new Delhi. Today is International Women’s Day. On this day, if you want, you can give such a gift to your sweetheart, so that she can become financially strong in future. To make daughters financially capable, the government is running a similar scheme, which is named Sukanya Samriddhi Yojana.
In this scheme, you can make your daughter a mistress of Rs 65 lakh by saving just Rs 416 every day. It is a long-term plan, by investing in which you can be sure about your daughter’s education and future. Before investing, decide how much fund you want to give for your daughter, when she will be 21 years old. Let’s understand the complete calculation…
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Maximum deposit can be 1.50 lakh
The account of a daughter up to 10 years of age can be opened in Sukanya Samriddhi Yojana. In this, you can deposit a minimum of Rs 250 and a maximum of Rs 1.5 lakh annually. This scheme will mature when the daughter turns 21. However, your investment in this scheme will be locked until the daughter turns 18. Even after 18 years, she can withdraw only 50 percent of the total amount from this scheme. The entire money can be withdrawn only when she is 21 years old.
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Money to be deposited only for 15 years
The good thing about the scheme is that you do not have to deposit money for the entire 21 years. Money can be deposited only for 15 years from the time the account is opened, while interest will continue to accrue till the daughter’s age of 21 years. At present, the government is paying interest at the rate of 7.6 per cent per annum. This scheme can be opened for two daughters. If there is a twin, then 3 daughters can also take advantage of the scheme.
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Know when you can start investing
If your daughter is 10 years old and you start investing today, then you will be able to deposit money only for 11 years. If you have a 5 year old daughter and you start investing then you will be able to invest for 16 years. This will increase the maturity amount. Now if your daughter is 4 years old today and you start investing then this account will mature in 2039.
Account can be opened from post office or bank
In this scheme you can open an account for your daughter. You can open this account by going to the post office or any bank. For this you only have to submit the birth certificate. Along with this, the identity card of the child and the parents will also have to be submitted.
Understand the complete calculation of making 65 lakhs
Suppose your daughter is one year old. You have started investing from 2021.
If you save Rs 416 a day, then in a month this amount will be around Rs 12500, while in a year it will be about Rs 15 lakh.
In 15 years, you deposit a total of about 22 lakh 50 thousand rupees in the scheme.
According to the annual interest of -7.6 percent, you will get a total interest of 42 lakh 50 thousand rupees.
In this way, at the age of 21, your beloved will become the mistress of 65 lakh rupees.
Tags: central government, International Women’s Day, Investment, Saving, Sukanya Samriddhi Scheme
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