New Delhi. The central government and the state government are running many schemes for women and children. These schemes have been started to make women self-reliant. One of these schemes is Sukanya Samriddhi Yojana . This scheme was started especially for daughters.
In this scheme, investments are made for the bright future of daughters. In this scheme, it is necessary to maintain minimum balance to keep Sukanya Samriddhi Account active. If the investor does not maintain the minimum balance then his account will be frozen. Penalty will have to be paid for reactivating the account.
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How long does the minimum balance have to be maintained?
The account holder has to maintain minimum balance till 31 March 2024. If he does not do this then his account will become inactive. To reopen the account, the account holder will have to pay a penalty.
How much amount has to be deposited for minimum balance
The minimum balance in Sukanya Samriddhi Yojana is Rs 250. The account holder has to deposit at least Rs 250 in a financial year. If he does not deposit Rs 250 in the entire financial year, his account will become inactive.
To restart an inactive account, a fine of Rs 50 per year will have to be paid.
Sukanya Samriddhi Yojana Government gives interest at the rate of 8.2 percent. In this scheme, the investor has to invest a minimum of Rs 250 and a maximum of Rs 1.50 lakh in a financial year.
This scheme matures after 21 years. When the daughter turns 18 years of age, she can withdraw 50 percent of the amount from Sukanya Samriddhi Account.
Tax benefits are available in Sukanya Samriddhi Yojana
The government provides tax benefits in Sukanya Samriddhi Yojana. Tax exemption is given on this at three impact levels. Under 80C of the Income Tax Act, you can avail tax deduction on annual investment of Rs 1.50 lakh. Apart from this, there is no tax on the returns received in this scheme. In this scheme, there is no tax on the amount received on maturity i.e. it is tax free.
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