मोदी सरकार का एक फैसला बेटियों के भविष्य के लिए सुकन्या समृद्धि योजना के तहत खाता कैसे खुलवाएं आपकी बेटी को होगी रुपए 400000 का फायदा और भी है यह सभी फायदे

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सरकार ने गुरुवार को ऐसा फैसला लिया है जिसका फायदा सीधे आपकी बेटी को मिलेगा प्रधानमंत्री नरेंद्र मोदी की फेवरेट स्कीम के लिए ब्याज दर 0.40 फ़ीसदी का इजाफा कर दिया है | इस स्कीम में 21 साल की उम्र होने पर बेटी को ₹400000 का ज्यादा फायदा मिलेगा | पहले जहां इस स्कीम में पैसा लगाकर अधिकतम 65. 84 लाख रुपए लिए जा सकते थे वही अब ब्याज दर बढ़ाने के बाद इसमें लगभग 69.70 लाख रुपए तक मिल सकते हैं | एक व्यक्ति अपनी बेटी के नाम से खाता खोल सकता है और इसमें जितने भी फिक्स इनकम है वहाँ सबसे ज्यादा ब्याज दर इसी में देती है |

अभी भी लोगों को इस योजना की पूरी जानकारी नहीं है…

यह स्कीम सुकन्या समृद्धि स्कीम के नाम से जानी जाती है iइसे नरेंद्र मोदी द्वारा शुरू किया गया था , केंद्र सरकार की योजना होने के चलते invest  करने वालों के पैसे की पूरी सुरक्षा भी रहती है | इसे पोस्ट ऑफिस से लेकर बैंक कहीं भी खोला जा सकता है और इस पर ब्याज दर भी सबसे अधिक दी जाती है , और तो और इस स्कीम के तहत जमा किए गए पैसे पे इनकम टैक्स की धारा 80c के तहत छूट भी लिया जा सकती है तो हो गई ना दुगनी बेनिफिट |

सुकन्या समृद्धि योजना में खाता खुलवाने की यह विधि है ..

सुकन्या समृद्धि योजना का खाता आमतौर पर आप किसी भी बैंक या पोस्ट ऑफिस में खुलवा सकते जो बैंक पीपीएफ अकाउंट खोलने की सुविधा कराता है ज्यादातर वह बैंक में सुकन्या समृद्धि योजना का खाता खोला जाता है |

खाता खुलवाने के लिए जरूर होती है इन सारे दस्तावेजों की

1.सुकन्या समृद्धि अकाउंट खुलवाने का फॉर्म

2. बच्चे का जन्म प्रमाण

3.जमाकर्ता (माता पिता या अभिभावक ) का प्रमाण पत्र जैसे :-पैन कार्ड, राशन कार्ड, ड्राइविंग लाइसेंस पासपोर्ट ,आधार कार्ड इत्यादि |

4.जमाकर्ता के पते का प्रमाण पत्र जैसे :- पासपोर्ट, राशन कार्ड ,बिजली बिल, टेलिफोन बिल, आधार कार्ड इत्यादि

5. सुकन्या समृद्धि योजना का फॉर्म पोस्ट ऑफिस या फिर बैंक से आप प्राप्त कर सकते हैं या आप इस लिंक पर क्लिक कर डाउनलोड कर सकते हैं |

6. खाता खुल जाने पर जिस बैंक या पोस्ट ऑफिस मैं खाता खोला जाता है वहां आपको एक पासबुक दिया जाता है

7. पैसे जमा करने के लिए आप इंटरनेट बैंकिंग का भी इस्तेमाल कर सकते हैं



 

कितने पैसे करवा सकते हैं जमा

सुकन्या समृद्धि योजना के शुरुआत में न्यूनतम 1000 रुपए जमा करवा सकते हैं 1 साल में अधिकतम डेढ़ लाख रुपए जमा करवा सकते हैं | किसी कारणवश न्यूनतम राशि जमा नहीं करवा पाते हैं तो अगली बार पैसा जमा करवाते समय आपको ₹50 की पेनल्टी देनी पड़ती है |

सुकन्या समृद्धि योजना के खाते थे मिलती है 8.5 फ़ीसदी ब्याज दर

सुकन्या समृद्धि योजना में जहां इस वक्त 8.5 फ़ीसदी ब्याज दर दिया रहा है इस स्कीम में पहले 8.1 फ़ीसदी रहा था | जिसे अब बढ़ाकर 8.5 फ़ीसदी कर दिया गया है इस योजना में ब्याज की गणना ईयरली कंपाउंड बेसिस पर की जाती है जिससे रियल रिटर्न थोड़ा ज्यादा हो जाता है..

कब निकाल सकते हैं योजना के खाते से पैसे

* बिटिया जब 18 साल की आयु पूर्ण कर लेती है यानी वह कानूनी तौर पर बालिक हो जाती है तब आप पैसे निकाल पाएंगे

* बिटिया की 21 साल होने पर अकाउंट मैच्योर हो जाता है

*बिटिया के 18 साल पूरे करने के बाद आपको आंशिक निकासी की सुविधा मिल जाती है

मतलब आप खाते में जमा रकम का 50% तक निकाल सकते हैं

*दुर्भाग्यवश अगर आपकी बेटी की मृत्यु हो जाती है (भगवान ना करे ऐसा हो) तो खाता तुरंत बंद हो जाएगा

*ऐसे मामले में खाते में परी रखना अभिभावक यानी माता पिता को दे दी जाएगी


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