Invest ₹12,500 A Month Under Government Scheme To Build ₹70 Lakh Corpus

Sukanya Samriddhi Yojana : The central government’s Sukanya Samriddhi Yojana has emerged as one of the most trusted savings schemes for securing the financial future of daughters. Designed especially for long-term goals such as education and marriage, the scheme combines safety, steady returns and tax benefits. Backed by the government, it has become a preferred choice for parents looking for a reliable investment option amid rising education costs and future financial responsibilities.

Objective Of Sukanya Samriddhi Yojana

The primary aim of the Sukanya Samriddhi Yojana is to help families create a dedicated financial corpus for their daughters. The scheme encourages parents to start saving early and invest regularly over a long period. Since it is fully government-backed, it offers complete capital safety, making it particularly attractive for middle-class households that prioritise secure and disciplined savings.

Eligibility And Account Opening Process

A Sukanya Samriddhi Yojana account can be opened any time from the birth of a girl child until she turns 10 years old. The account is opened by parents or a legal guardian at a post office or authorised bank branch. Only one account is permitted per daughter, ensuring focused savings for each child. Once opened, the account remains active until maturity, provided minimum annual deposits are made.

Investment Limits And Maturity Period Explained

The scheme allows flexible investment amounts, making it accessible to families with different income levels. The minimum annual investment starts at ₹250, while the maximum permitted investment is ₹1.5 lakh in a financial year. Contributions must be made for 15 years, but the account matures after 21 years from the date of opening. At maturity, the entire deposited amount along with accumulated interest is paid out to the account holder.

How Monthly Savings Can Create A ₹70 Lakh Fund

Regular investments under the Sukanya Samriddhi Yojana can lead to substantial long-term returns. If a guardian invests ₹12,500 every month, the annual contribution reaches the maximum limit of ₹1.5 lakh. Over 15 years, the total investment comes to ₹22.5 lakh. At the current interest rate of 8.2 percent, this amount can grow to approximately ₹69–70 lakh by the time the account matures after 21 years, offering strong financial support for higher education or marriage expenses.

Interest Rate And Safety Of Investment

The interest rate for the Sukanya Samriddhi Yojana is revised periodically by the government. Currently, it stands at 8.2 percent, which is considered competitive among small savings schemes. Since the scheme is backed by sovereign guarantee, there is no risk to the invested capital, making it a dependable long-term savings option.

Tax Benefits Add To The Scheme’s Appeal

One of the major advantages of the Sukanya Samriddhi Yojana is its favourable tax treatment. Investments made under the scheme qualify for tax deduction under Section 80C of the Income Tax Act. In addition, the interest earned and the maturity amount are completely tax-free, offering triple tax benefits to investors.

Why Parents Are Choosing This Scheme

For parents aiming to secure their daughter’s future through disciplined savings, the Sukanya Samriddhi Yojana offers a balanced mix of safety, growth and tax efficiency. Starting early and investing consistently helps reduce future financial pressure and ensures that major life goals can be met with confidence.