Sukanya Samriddhi Yojana 2025: Every parent wants their daughter’s future to be secure, strong, and bright. When a little girl enters the home, many dreams are born with her. Numerous responsibilities arise regarding her education, career, and marriage. To help fulfill these dreams, the Sukanya Samriddhi Yojana (SSY) remains the preferred choice for families. This scheme is not only safe, but its excellent returns and government guarantee have also become a strong foundation of trust for parents.

Why SSY is Special: A Combination of Safe Savings and Better Profits

The Government of India launched this scheme in 2015 as part of the Beti Bachao, Beti Padhao campaign. It is specifically designed to address major expenses like daughters’ education and marriage. Its interest rate is fixed at 8.2 percent annually until 2025, which is more attractive than many other savings schemes. This account is opened in the name of a daughter under the age of ten, and parents can deposit between ₹250 and ₹150,000 annually. The deposit period is fifteen years, and the account continues until the daughter turns twenty-one or marries. During this time, compound interest on the deposit continues to grow, multiplying the amount.

If a family deposits ₹1.5 lakh annually, they can receive approximately ₹71 lakh upon maturity. This amount becomes a significant support during the daughter’s education or marriage, significantly reducing the parents’ worries.

Tax benefits and government protection provide double assurance

Another unique feature of this scheme is that the entire benefit is tax-free. The investment, interest, and maturity proceeds are tax-free. This is known as the EEE category tax benefit. Furthermore, the entire scheme is guaranteed by the Central Government, ensuring a completely safe investment.

For many families, this scheme has become more than just an account, but the most reliable way to preserve their daughter’s dreams. When a small amount of savings each year turns into a significant support, this scheme feels even more special.

Frequently Asked Questions (FAQs)

Question 1: Who can open an account under the Sukanya Samriddhi Yojana?
An account can be opened by parents or guardians in the name of their daughter under the age of ten. Only one account can be opened per daughter.

Question 2: What is the minimum and maximum deposit amount in this scheme?
A minimum of ₹250 and a maximum of ₹150,000 can be deposited annually.

Question 3: What is the maturity period of this scheme?
The deposit period is fifteen years, but the account remains active until the daughter turns twenty-one or marries.

Question 4: Does this scheme offer tax benefits?
Yes, the entire deposit, interest, and maturity amount are tax-free.

Question 5: What can be the maturity amount?
The compound interest earned on investments multiplies the amount. By depositing ₹1.5 lakh annually, you can earn approximately ₹71 lakh.

Disclaimer: This article is for informational purposes only. It is advisable to consult authoritative sources or a financial