सुकन्या योजना Sukanya Samriddhi Yojana (SSY)

सुकन्या योजना Sukanya Samriddhi Yojana (SSY)


bhaarat ne pichhale kuchh dashakon mein vibhinn kshetron mein kaee pragati kee hai. haalaanki, ek kshetr jahaan badalaav kuchh dheema raha hai, vah hai baalikaon se jude mudde. desh mein laingik bhedabhaav ek mudda bana hua hai aur kaee upaayon ke baavajood abhee bhee bahut sudhaar kee aavashyakata hai. sukanya samrddhi yojana pradhaanamantree narendr modee dvaara betee bachao betee padhao kaaryakram ke tahat shuroo kee gaee ek chhotee bachat yojana hai. maata-pita ko apanee betee kee shiksha aur shaadee ke lie paryaapt bachat ke lie protsaahit karane ke lie yojana ko 2015 mein shuroo kiya gaya tha. raashtravyaapee yojana svaasthy aur parivaar kalyaan mantraalay, mahila aur baal vikaas mantraalay aur maanav sansaadhan vikaas mantraalay dvaara sanchaalit hai. yojana ka mukhy lakshy baalikaon ke prati bhedabhaav ko samaapt karana aur shiksha ke maadhyam se baalikaon ke surakshit bhavishy ka nirmaan karana hai. laingik asamaanata aaj desh mein sabase adhik dabaav vaale muddon mein se ek hai aur isalie, is yojana ko ling sambandhee muddon ko khatm karane kee disha mein ek mahaan kadam ke roop mein dekha ja raha hai. bhaarat jaise desh mein, jahaan purush bachche kee shiksha ko praathamikata dee jaatee hai aur jahaan ladakiyon kee shaadee ke kharch ko ek badee jimmedaaree ke roop mein dekha jaata hai, is vishisht ladakee kee shurooaat ek bade paimaane par kadam hai. yah yojana ladakiyon ko vitteey svatantrata haasil karane mein madad karegee aur unhen uchch shiksha ke saath-saath shaadee ke kharch ke lie paise dene mein madad karegee. sukanya samrddhi yojana kee sabase vishisht visheshataon mein se ek yah hai ki jama raashi keval baalikaon dvaara nikaalee ja sakatee hai aur yahaan tak ​​ki jamaakarta (maata-pita ya abhibhaavak) ko bhee ladakee kee or se dhan nikaalane kee anumati nahin hai.
saarvajanik aur nijee kshetr ke bainkon ke saath-saath daakaghar bhee hain, jinhen sukanya samrddhi yojana (esesavaee) kee peshakash ke lie vitt mantraalay dvaara adhikrt kiya gaya hai. yah yojana janavaree, 2015 mein shuroo kee gaee thee aur tab se isake lie aavedan karane vaale graahakon kee sankhya mein bhaaree vrddhi dekhee gaee thee.

sukanya samrddhi yojana ke laabh
maananeey pradhaanamantree shree narendr modee dvaara shuroo kee gaee sukanya samrddhi yojana se jude kuchh aashcharyajanak phaayade hain. aaie ham in kuchh visheshataon par dhyaan den jo is yojana ko lokapriy aur laabhadaayak banaane ka lakshy rakhate hain.
  • dhaara 80 see ke tahat kar laabh is yojana ko na keval baalikaon balki usake maata-pita ya abhibhaavakon ke lie bhee aakarshak banaate hain
  • baajaar mein any sabhee vitteey utpaadon mein se sukanya samrddhi yojana par uchchatam byaaj daron mein se ek kee peshakash kee ja rahee hai
  • antim meel vitaran mein sabhee sambhaavit visangatiyon ko khaarij karate hue seedhe baalika ko paripakvata raashi dee jaegee
  • 14 varsh ka kaaryakaal poora hone ke baad bhee, jab tak bachcha 21 varsh ka nahin ho jaata, tab tak byaaj milata hai
  • khaata ke sanchaalan ko samajhane ke lie paripakv hone vaalee baalika apane dam par khaate ko sambhaalane ke lie svatantr hai
  • sukanya samrddhi yojana ke baare mein sabase achchhee baat yah hai ki yah ek ejent-mukt yojana hai aur aise log seedhe aavedan patr bharane aur yojana ka laabh lene ke lie adhikrt bainkon aur daakagharon tak pahunch sakate hain. khaata kholane kee prakriya ke maadhyam se kisee bhee bichaulie ka netrtv karane kee aavashyakata nahin hai.
  • ek varsh mein jama kee koee nishchit sankhya nyoonatam vaarshik raashi ke alaava ru .50 aur adhikatam raashi seema ru. 1.5 laakh hai.
  • sukanya samrddhi yojana ko bajat 2015 mein eeeeee kar ka darja diya gaya hai jisaka arth hai ki yah yojana apane sabhee charanon mein kar chhoot, jama, vrddhi aur nikaasee ke lie upalabdh hai. yah sankshep mein hai ki yah yojana 100% kar mukt hai.
  • jama kee raashi aur jama kee aavrtti ke sandarbh mein sukanya samrddhi yojana kee ek anivaary visheshata hai. sabhee aarthik vargon ke log is prakaar is yojana ka laabh niyamit kiston ya jama raashiyon kee tay seema ke bina mahasoos kar sakate hain. sukanya samrddhi khaate mein jama khaataadhaarak ke lie suvidhaajanak hone par kiya ja sakata hai

सुकन्या समृद्धि खाता कैसे खोलें

sukanya samrddhi khaata kholane ke neeche kuchh charan die gae hain jinhen aap pholo karake sukanya samrddhi yojana khaata khol sakate hain: 1. sabase pahale aavedan phorm bharen jo aapako aapake najadeekee baink ya daakaghar mein mil jaega 2. ab aavedak aur maata-pita ya kaanoonee abhibhaavakon ke paasaport aakaar ke photo aavedan phorm ke saath sanlagn karen 3. neeche die gae soocheebaddh dastaavejon kee pratiyaan sanlagn karen aur jama karen. 4. praarambhik jama raashi ka bhugataan karen. khaata kholane ke lie nyoonatam raashi ru. 1,000 hai aur adhikatam raashi ru. 15 laakh hai. 5. ek baar khaata kholane ke baad, khaate mein jama karane ke lie baink ya daakaghar mein ek sthaayee nirdesh sthaapit kiya ja sakata hai.

How to open सुकन्या योजना Account online
sukanya samrddhi khaata keval adhikrt baink shaakhaon ya aapake kisee bhee najadeekee daakaghar mein jaakar khola ja sakata hai. yojana ka onalain aavedan logon dvaara nahin kiya ja sakata hai. saath hee, is yojana ke tahat raashi ka onalain hastaantaran sveekaary nahin hai. yah un graahakon ke lie nukasaanadeh saabit ho sakata hai, jinaka upayog bainkon ke onalain bainking pletaphorm ka upayog karake onalain lenaden karane ke lie kiya jaata hai.

सुकन्या समृद्धि खाते की विशेषताएं और लाभ

yojana kee shuruaat aur lonch ke samay se, vitteey visheshagyon ne is yojana kee praasangikata aur laabhon par bahas kee hai. sukanya samrddhi yojana ke sambandh mein sabase saraahaneey kadam bainkon aur daakagharon ka prachaarak aur suvidha ke roop mein chayan hai. baink, vishesh roop se saarvajanik kshetr ke bainkon ke saath-saath bhaarat mein daakagharon mein graameen aur shaharee sthaanon ko kavar karane ke maamale mein sabase adhik paith hai. isalie, bainkon aur daakagharon ke is netavark ka laabh uthaana bhaarateey samaaj ke sabhee aarthik aur bhaugolik vargon ko shaamil karane kee disha mein ek achchha kadam hai.

Some of the most significant SSY benefits are listed here
  • koee bhee baalika jo bhaarateey nivaasee hai, ssy yojana mein aavedan karane ke lie paatr hai.
  • khaata bachche ke maata-pita ya kaanoonee abhibhaavakon dvaara khola ja sakata hai aur jab tak bachcha 10 saal tak nahin pahunch jaata, tab tak vah khaata sanchaalit kar sakata hai.
  • 10 varsh kee aayu tak pahunchane tak bachche ke janm ke beech kisee bhee samay khaate khole jaane chaahie.
  • khaate ka adhikatam kaaryakaal 21 varsh hai.
  • ek bachche ko keval ek ssy khaata rakhane kee anumati hai.
  • ek parivaar mein, adhikatam 2 baalikaon ko khaata kholane kee anumati hai. yah niyam kaee garbhadhaaran ke maamalon mein dheel deta hai.
  • khaate mein jama maata-pita ya kaanoonee abhibhaavak ya svayan khaataadhaarak dvaara kiya ja sakata hai.
  • sukanya samrddhi khaate daakagharon aur vaanijyik bainkon mein khole ja sakate hain jo is yojana ko vitarit karane ke lie adhikrt hain.
  • khaate mein jama kee jaane vaalee nyoonatam jama raashi ru. 250 hai aur jama kee jaane vaalee adhikatam raashi prati varsh ru .1.5 laakh tak seemit hai.
  • jin khaaton mein ek varsh ke lie nyoonatam jama nahin kiya gaya hai, unhen difolt ke tahat khaate maana jaega. khaata kholane kee taareekh se 15 saal ke bheetar niyamit kiya ja sakata hai.
  • ve khaate jo ru .1 laakh kee vaarshik jama seema se adhik hain ve adhikatam raashi se adhik byaaj arjit karane ke yogy nahin hain.
  • khaate mein jama nakad, chek ya onalain sthaanaantaran ke maadhyam se kiya ja sakata hai.
  • sukanya samrddhi yojana ke lie vartamaan byaaj dar 8.5% p.a par nirdhaarit hai.
  • khaate, jahaan poore varsh mein nyoonatam raashi jama nahin kee gaee hai, keval tabhee byaaj arjit karenge jab ve post ophis ke bachat khaate se jude hon.
  • paripakvata tak pahunchane ke baad khaata byaaj arjit karana band kar deta hai. aisee sthiti mein, jahaan khaataadhaarak yojana ke kaaryakaal ke dauraan desh ka anivaasee ya gair-naagarik ban jaata hai, khaate mein jama raashi par koee byaaj nahin liya jaata hai.
  • paripakvata ke baad khaate mein jama huee raashi ko praapt karane ke lie, khaata dhaarak ko ek aavedan patr bharana hoga aur baink ya daakaghar mein apanee pahachaan, naagarikata ke pramaan aur pate ke pramaan ke saath jama karana hoga.
  • paripakvata se pahale nikaasee khaate mein korpas ke adhikatam 50% tak seemit hai.
  • khaate mein raashi tab vaapas lee ja sakatee hai jab khaataadhaarak skool mein 10 veen kaksha pooree karata hai ya 18 varsh kee aayu tak pahunchata hai. khaataadhaarak kee shiksha ko nidhi dene ke lie keval nikaasee kee anumati hai.
  • khaataadhaarak apane esesavaee khaaton ko desh ke kisee bhee daakaghar ya bainkon mein bina kisee atirikt shulk ke sthaanaantarit kar sakate hain. aise udaaharanon mein jahaan hastaantaran ke lie aavashyak dastaavej upalabdh nahin karae gae hain, khaataadhaarakon ko 100 rupaye ka shulk dena hoga.

सुकन्या समृद्धि खाता पर ब्याज दरें

sukanya samrddhi yojana yojana ko suvidhaajanak banaane aur lokapriy banaane ke lie khaataadhaarakon ko byaaj kee ek aakarshak dar pradaan karatee hai. sarakaar dvaara dee ja rahee byaaj kee vartamaan dar 8.1% prati varsh hai. yah 9.1% tha, jab ise vitt varsh 2015-16 mein pesh kiya gaya tha.

सुकन्या समृद्धि योजना खाता खोलने के लिए पात्रता मानदंड

kisee bhee any jama khaate kee tarah, sukanya samrddhi khaate ka laabh uthaane ke lie bhee paatrata maanadand ke ek nishchit set kee aavashyakata hotee hai. is yojana ka laabh uthaaya ja raha hai. sukanya samrddhi yojana ka laabh baalikaon kee or se baalika ke maata-pita ya kaanoonee abhibhaavakon dvaara liya ja sakata hai. khaata bachche ke naam se khola jaata hai aur maata-pita ya kaanoonee abhibhaavakon dvaara sanchaalit kiya jaata hai. nimnalikhit ssy ke lie paatrata aavashyakataen hain.
  • ek anugrah avadhi ke roop mein, 2 pharavaree 2003 aur 1 disambar 2015 ke beech paida huee koee bhee ladakee is yojana ke tahat khaata praapt karane ke lie bhee paatr hai
  • 10 varsh kee aayu tak baalika pahunchane se pahale kisee bhee samay yojana ka laabh uthaaya ja sakata hai

SSY खाता खोलने के लिए आवश्यक दस्तावेज

ssy khaata kholane ke lie aavashyak dastaavej sukanya samrddhi khaata kholate samay aavedan patr ke saath prastut kie jaane vaale dastaavej nimnalikhit hain:
  • maata-pita ya kaanoonee abhibhaavakon ke pate ka pramaan
  • aavedak ka janm pramaan patr
  • maata-pita ya kaanoonee abhibhaavakon kee pahachaan ka pramaan

sukanya samrddhi khaata niyam aur dishaanirdesh

choonki, sukanya samrddhi yojana ek sarakaar dvaara jaaree kee gaee yojana hai, aise niyam aur disha-nirdesh hain jo is khaate par laagoo hote hain, chaahe vah is yojana se laabhaanvit ho. yah baink ho ya daakaghar, in donon kendron ke graahakon ko is khaate ke sanchaalan ke lie nimnalikhit niyamon aur dishaanirdeshon ka paalan karana aavashyak hai. aaie ham kuchh sabase mahatvapoorn niyamon par dhyaan den, jinhen sukanya samrddhi yojana ka laabh uthaane aur banae rakhane ke lie graahakon ko paalan karane kee aavashyakata hai. sukanya samrddhi khaate ka samay se pahale band hona
sukanya samrddhi khaata ka samay se pahale band hona vishisht paristhitiyon mein baalika kee mrtyu kee anumati hai jo khaataadhaarak hai. aisee sthitiyon ke tahat, khaata band kar diya jaega aur usee kee kaaryavaahee baalika ke kaanoonee abhibhaavak ya maata-pita ko saump dee jaegee. yah khaataadhaarak ke naam par vaidh mrtyu pramaan patr prastut karane par kiya jaega. yojana kee doosaree sthiti ya samay se pahale band hona tab hai jab kendr sarakaar ko lagata hai ki is yojana ko aage badhaane ke lie maata-pita ya abhibhaavak ke lie yah mushkil hota ja raha hai ya lagabhag asambhav hai. usee ke lie anumati kendr sarakaar dvaara atyadhik sharton ke tahat jaaree kee jaanee hai, jahaan ek chikitsa parishram ya ek gambheer beemaaree abhibhaavak ya khaataadhaarak ke maata-pita ko pareshaan karatee hai. ssy khaate par laagoo nikaasee niyam
baalikaon ke 21 varsh kee aayu praapt karane ke baad jama raashi kee 100% nikaasee keval tabhee sambhav hai. 18 varsh kee aayu praapt karane ke baad aanshik nikaasee 50% tak jama raashi ke lie anumany hai. is aanshik nikaasee kee anumati keval tabhee dee jaatee hai jab kisee gambheer chikitsa beemaaree ke lie ya uchch shiksha ya baalika ke vivaah vyay ke lie dhan kee aavashyakata hotee hai. sukanya samrddhi yojana ke tahat anumany nikaasee raashi
khaate mein kam se kam 14 saal se sakriy hone par hee jama raashi kee nikaasee kee anumati dee jaatee hai. 18 varsh kee aayu se pahale aur 21 varsh kee aayu tak pahunchane se pahale keval 50% tak jama raashi hee nikaalee ja sakatee hai. 18 varsh se kam aayu kee bachchee ke maamale mein kisee bhee prakaar kee vaapasee, aanshik ya anyatha anumati nahin hai. sukanya samrddhi yojana ke lie khaata band karana
sukanya samrddhi khaata keval ek baar band kiya ja sakata hai jab baalika 21 varsh kee aayu tak pahunch gaee ho. kisee bhee samay se pahale band hone kee anumati keval asaadhaaran paristhitiyon mein dee jaatee hai jo uparokt khand mein ullikhit hain. sukanya samrddhi yojana ke baare mein sabase mahatvapoorn niyam yah hai ki kisee bhee prakaar kee nikaasee keval usee bachchee dvaara kee ja sakatee hai, jisake naam par khaate ka laabh uthaaya gaya hai. yah suvidha bhavishy mein mahilaon ko bahut adhik vitteey svatantrata dene ke lie maana jaata hai. yojana ke baare mein ek bahut hee mahatvapoorn baat yah hai ki ladakee ke vivaah ke baad khaata band ho jaata hai. saath hee, 100% raashi kee nikaasee keval ladakee dvaara kee ja sakatee hai aur vah bhee tab jab vah 21 varsh kee aayu tak pahunch jae.

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