Sukanya Samriddhi Yojana 2025 – 8.2% Interest Rate, Eligibility & Amount

A savings plan backed by the government, Sukanya Samriddhi Yojana 2025 was created to protect Indian girls’ futures. Established under the “Beti Bachao, Beti Padhao” campaign, the program seeks to give girls financial stability and empowerment. You should know that the Sukanya Samriddhi Scheme Interest Rate 2025 is 8.2%. This benefits for those parents and guardian of the girl child who want to save a good amount for their child marriage or study. You should go through the Sukanya Samriddhi Yojana Eligibility 2025 to see if you qualify for the benefit or not. We will also address frequently asked questions to assist you better grasp the plan.

Sukanya Samriddhi Yojana 2025

This Sukanya Samriddhi Yojana 2025 was announced by the Indian Government that actually provides help to the parents of the girl child to make their future bright. The program, which is available to parents or legal guardians of girls under ten, permits investments ranging from ₹250 to ₹1.5 lakh per year. One of the most lucrative small savings plans for the fiscal year 2025, the scheme offers an alluring 8.2% yearly compound interest rate. According to Section 80C of the Income Tax Act, the investment, interest generated, and maturity amount are all tax-free because the scheme has EEE (Exempt-Exempt-Exempt) status.

For 15 years, deposits must be made; after that, no more contributions are needed, but interest is still earned on the account until it matures. After the daughter turns 18, up to 50% of the remaining funds may be taken out in the event that she needs more education. The program is a well-liked option for parents preparing long-term financial objectives because it guarantees a safe future and promotes disciplined savings for a girl’s education and welfare.

Sukanya Samriddhi Scheme Interest Rate 2025

Name Of Scheme	Sukanya Samriddhi Yojana
Tagline Of Scheme	“Beti Bachao, Beti Padhao”
Year	2025
Scheme Introduced By	Government Of India
Benefit For	Parent Of Girl Child
Country	India
Sukanya Samriddhi Scheme Interest Rate 2025	8.2%
Maximum Amount	1.5 lakhs per year
Minimum Amount	Rs/- 250 per year.
Maturity Period Of Scheme	21 years
Opening Procedures	Online: IPPB app; offline: bank or post office
Documents Needed	Birth certificate, identification, proof of address, and KYC documents
Category	Yojana

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Sukanya Samriddhi Yojana Eligibility 2025

To open this account, you must meet Sukanya Samriddhi Yojana Eligibility 2025. 

• As this program is only for those parents who have a girl child under 10 years of age. 
• Only the girl’s parent or legal guardian may open the account.
• As per the resources each girl has one account only.
• A minimum deposit of Rs. 250 is required to open the account, and you can contribute up to Rs. 1.5 lakh annually.

Benefits of Sukanya Samriddhi Yojana Account 2025

Following are the Benefits of Sukanya Samriddhi Yojana Account 2025.

• High Interest: Compared to most fixed deposits and standard savings accounts, the plan offers a higher interest return.
• Tax Benefits: Section 80C allows for tax deductions on SSY contributions up to Rs. 1.5 lakh. Both the maturity proceeds and the interest received are tax-free.
• Long-Term Investment: Long-term financial security is provided by the account, which matures after 21 years or when the girl reaches 18 and marries.
• Premature Withdrawal: You may take out up to 50% of the remaining funds for the girl’s further education once she turns 18.
• Government Security: SSY is extremely safe and unaffected by market risks because it is a government-backed plan.

Sukanya Samriddhi Yojana Tax Benefits

Here we disclose various tax benefits that you will get through this Yojana. 

• Those candidates have this account then you will get reductions in your taxes. 
• As this account is non taxable. 
• After 21 years, the maturity amount you get is likewise tax-free.

Advantages of the Sukanya Samriddhi Account 2025

The high interest rate offered by the Sukanya Samriddhi Yojana (SSY) is one of its most alluring aspects. The current rate of interest of this SSY 2025 is 8.2%. But this will not become the same for life time. The authority will revise the rate of interest quarterly. 

Guidelines for Sukanya Samriddhi Yojana Account 2025

• You have to pay minimum Rs/-250 and Maximum 1 Lakh annually.
• The deposit needs to be paid every year.
• With the exception of the final year of the account, when you can still make contributions, no deposits can be made once the girl reaches 21.

Rules for Sukanya Samriddhi Yojana Withdrawal

Withdrawals from the SSY account are permitted under the following circumstances:

• You can take out up to 50% of the remaining amount once the girl turns 18. She can utilize this for her further schooling or for other purposes.
• When the account matures, which happens after 21 years, the full amount—principal and interest—can be taken.

How To Open Sukanya Samriddhi Account 2025

Use these procedures to Open Sukanya Samriddhi Account 2025:

• Get the India Post Payments Bank (IPPB) app from the app store on your phone.
• Create an account on the app and connect your bank account.
• From the list, pick the Sukanya Samriddhi Yojana service.
• Enter the girl child’s and the parent/guardian’s necessary information.
• You have to pay your deposits through an online method. 
• The confirmation notification send to the candidate number.  

FAQs On Sukanya Samriddhi Yojana 2025