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News India Live, Digital Desk: If you are looking for a safe investment for your daughter’s higher education and bright future, then Sukanya Samriddhi Yojana (SSY) Even today it is proving to be the best option for savings. In this scheme launched under the ‘Beti Bachao, Beti Padhao’ campaign of the Central Government, not only does one get more interest than bank FD, but it also has great benefits of tax saving. Let us know how beneficial this scheme is for your beloved as per the latest data of 2026.
Why is Sukanya Samriddhi Yojana special? (key benefits)
There are several important reasons that make Sukanya Samriddhi Yojana different from other Small Saving Schemes:
Attractive interest rates: currently on this scheme Annual interest rate of 8.2% Which is much higher than most long-term investment options.
Starting from just ₹250: This account can be opened in any post office or authorized bank with an initial deposit of just ₹250.
Maximum Investment: You can maximum in a financial year ₹1.5 lakh Can deposit up to.
Get the benefit of Triple Tax Exemption (EEE)
By investing in SSY you will get EEE (Exempt-Exempt-Exempt) Category benefits:
Rebate on Deposit: Tax exemption on investments up to ₹1.5 lakh under Section 80C of the Income Tax Act.
Rebate on interest: There is no tax on the interest received from year to year.
Discount on maturity: The entire amount received on maturity of the account is tax-free.
Mathematics of investment and maturity
Sukanya Samriddhi Account from the birth of the daughter 10 years old Can be opened at any time.
Deposit Period: From the date of account opening 15 years The money has to be deposited till.
Maturity: This account matures when the daughter turns 21 or gets married after 18 years.
Partial Withdrawal: After the daughter attains the age of 18 years, the amount deposited in the account will be used for her higher education. 50% share Can be taken out.
How much will you get on an annual deposit of ₹ 1.5 lakh?
If you open an account for your newborn daughter in 2026 and deposit ₹1.5 lakh every year (i.e. ₹12,500 per month), then at the current interest rate of 8.2%, you will get More than about ₹70 lakh An amount of Rs. can be received. This amount will become a big security cover for your daughter’s medical, engineering or study abroad expenses.
Documents required to open account
Birth certificate of daughter.
Identity and address proof of parents or guardian (Aadhar Card, PAN Card).
Photo of daughter and parents.
