Sukanya Samriddhi Yojana kya hain aur iske fayde. What is Sukanya Smriddhi Yozna.

Sukanya SamridhhiBachchon ke future ki jaroorato ko pura karne ke liye tamam tarah ki yojnaye hain. Ab ismein ek 'Sukanya Samriddhi yojana' shamil ho gyi hain. Yeh yojana 10 saal tak ki betiyon ke liye hain. Jis par F/Y 2015-16 ke liye Government  9.20% ka Interest de rahi hain. Ise Income Tax ki dhara 80C ke ander rakha gya hain. Is scheme mein Account mein jama ki gayi rakam, Milne wale byaaz aur maturity par milne wali rashi Tax Free hoti hain. Income Tax bachane ke liye is khate mein adhiktam 1.50 Lakh rupaye nivesh kar sakte hain. Ham aaj aapko bata rahe hain is yozna ke fayde. 



Sukanya Samridhi yojna mein  kaise khulwaye Account 

Yeh khata 10 saal tak ki bachchiyon ke naam se khulwaya jata hain. Aap yeh khata tabhi khulwa sakte hain jab aap Bacchi ke natural ya Legally guardian ho. Aap ek beti ke naam se ek hi khata khulwa sakte hain. Kul mila kar aap 2 betiyo ke naam se yeh khata khulwa sakte hain. Lekin agar dusri bachchi ke janm ke samay aapko Judwa beti hoti hain to aap teesra khata bhi khulwa sakte hain. Yahi niyam teen bacchiyo ke ek saath paida hone par bhi lagoo hota hain.

Minimum aur Maximum jama ki rashi


Sukanya Samridhhi Yojana mein aap shuru mein 1,000 rupaye aur uske baad 100 rupaye ke gunko mein paise jama karwa sakte hain.  Ek Financial Year mein Is khate mein jama ki gyi rakam 1.5 Lakh se adhik nahi honi chahiye. Khata kholne ki taarikh se 14 saal baad tak aap ismein paise jama karwa sakte hain. Ek financial year mein aap nyuntam (Minimum) 1,000 rupaye jama karwa sakte hain, Agar aap nyuntam rakam jama nahi karwate hain to aapko 50 rupaye ki penalty deni hogi. 


Khate mein kaun-kaun jama karva sakta hain paise 


Is khate mein bachchi ke abhibhavak , Koi bhi vyakti paise jama karwa sakta hain. Is khate par milne wala byaaz salana judta jata hain. Matlab pahle saal mila byaaz muldhan mein jud jayega aur agle saal byaaz is sammlit rashi par milega. Jab tak bachchi 10 saal tak ki nahi ho jati hain tab tak uske parents is Account ko operate karenge. Uske baad wah khud bhi is account ko operate kar sakti hain. Khata khulne par ek passbook diya jayega jo Bank ya post office mein paise jama karwate samay ya byaaz chadwate samay pesh karna hoga. Maturity ke samay, Khata band karwate samay bhi passbook ki jaroorat padegi.


Kitna mil raha hain byaaz (Interest Rate of Sukanya Samriddhi yojana)

Sukanya Samridhdhi yojana par milne wale byaaz ko sarkaar har saal tay karegi. Saal 2015-16 ke liye is par milne wala byaaz 9.20% hain. 
Account kab hoga mature

Bachchi ke 18 saal hone se pahle aap khate se paise nahi nikaal sakte hain. Uske 21 saal hone par Sukanya Samriddhi account mature ho jayega. Beti ke 18 saal pure hone par aapko kuch paise nikalne ki suvidha milegi. Maltab Beti ke 18 saal pure hone par aap 50% tak rashi ki nikaal sakte hain. 

Agar durbhagya vash , Bachchi ki maut ho jati hain to khata turant band ho jayega aur khate mein padi saari rashi guardian ko de di jayegi. Is account ka transfer Bharat mein kanhi bhi karvaya ja sakta hain. 


Account khulwane ka process

Post office ya kisi Bank ki kisi Branch mein aap Sukanya Samridhdhi Account khulwa sakte hain. Iske liye bachchi ka Birth Certificate aur anya document jaise aapki identity aur residence proof dena hoga. Paise aap Cash, Cheque, Demand Draft ke jariye jama karwa sakte hain. 

Incomen Tax mein milne wala labh

Sukanya Samridhdhi Account  Dhara 80 C ke dayre mein rakha gya hain. Is liye is khate mein ek financial year mein 1.50 Lac rupaye tak jama karwa kar Aaykar ka labh uthaya ja sakta hain.


Sukanya Samriddhi yojana, PPF aur Child mutual Fund ki tulna

Sukanya Smaridhhi yojana, PPF aur Child Mutual fund ki tulna, Returns, Liquidity aur taxation ke aadhaar par jante hain ki kaun si yojana aapke liye faydemand rahegi.


Tulana ka aadhaar Sukanya Samriddhi Yojana P.P.F. Child Mutual Fund
Kiske naam se khul sakta hain khata Kewal Beti ke naam se Kisi ke bhi naam Kisi ke bhi naam
Umar ka maapdand 10 saal tak Kisi bhi umar mein 18 saal tak
Kaha khulwa sakte hain khata Post Office/ Govt. Bank Post Office/ Govt. Bank aur kuch Private banks Sambandhit Mutual Fund Company
Saal mein kitni baar jama karwa sakte hain paise Asimit baar saal mein 12 Baar Asimit Baar
Kitna milta hain Return Financial Year 2015-16 ke liye 9.2 % Financial Year 2015-16 ke liye 8.7% Bazaar se sambandh
Minimum aur Maximum Invest ki seema Pratek Beti ke liye   Minimum 1000 Rupaye    aur Maxium 1.5 Lakh Rupaye.
Minimum 500 Rupaye,
Maximum 1.5 Lakh Rupaye
Minimum- 500 Rupaye
Maximum- Koi Limit nahi
Kya avarti jama ya systematic Investment Plan ka vikalp hain Haa
Nahi
Haa
Kisi khas saal par paise na jama karne par lagne wali penalty 50 Rupaye 50 Rupaye Koi Penalty nahi
Paise jama karne par milne wala kar labh Dhara 80 C ke tahat 1.5 Lakh rupaye tak Dhara 80C ke tahat 1.5 Lakh Rupaye tak Nahi
Arjit byaaz par lagne wala tax Tax Free Tax Free Tax Free (1 saal baad)
Aanshik Nikasi ki suvida aur kab nikaal sakte hain paise Haan, Beti ke 18 saal ke hone par 50% 6th year ke baad Kabhi bhi ( 3 saal tak Nikasi par Exit Load lagega)
Maturity ki avadhi Khata khulane ki date se 21 saal ki umar ya Shaadi ke samay Khata khulwane ke 15 saal baad Kabhi bhi kar sakte hain Nikasi ( 3 saal tak lagega Exit load)
Kya Maturity ke baad badhaai ja sakti hain nivesh ki avadhi Agar Maturity par khata band nahi karwaya gya to oos par byaaz milna jaari rahega 5 saal ke liye, Asimit Baar Nikasi na karne ke samay tak
Liquidity Bahut Kam Madhyam Darje ka Adhik

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