Sukanya Samriddhi Yojana (SSY) Calculator
Beti ke naam par sarkari yojana me har saal thoda jama karein aur 21 saal baad ek achhi rakam mile — Sukanya Samriddhi ka yahi wada hai. Ye calculator batata hai ki aapki saalana jama aur maujooda byaj dar par maturity par kitna milega.
Seedha hisaab
Ganit kya kehta hai
SSY me 15 saal tak jama karna hota hai, par khaata 21 saal me maturity par pahunchta hai. Aakhri 6 saal me aap kuch nahi daalte, phir bhi poori rakam par byaj chalta rehta hai. Byaj saalana joodta hai aur sarkar har teen mahine me dar review karti hai. Yahi 6 saal ka "khaali" samay is yojana ka sabse bada faayda hai.
agle 6 saal: balance = balance × (1 + byaj)
Teen udaharan jo saaf kar dein
Misaal 1 — chhoti jama. Har saal ₹25,000, 7.5% dar. 15 saal me kul ₹3,75,000 jama hoga aur 21 saal baad maturity lagbhag ₹10,83,291 banti hai.
Misaal 2 — poori limit. Har saal ₹1,50,000 (adhiktam), 8.2% dar. Jama ₹22.5 lakh, maturity lagbhag ₹69 lakh ke aaspaas.
Misaal 3 — chhoti shuruaat. Har saal ₹12,000 (₹1,000 mahina), 8.2% dar. Jama ₹1.8 lakh, maturity lagbhag ₹5.5 lakh.
Ye chook aksar hoti hai
- Saal me kam se kam rakam na daalna. Har saal ek nyoontam rakam daalni zaroori hai. Chhoot gayi to khaata band ho jaata hai aur usse chalu karne ke liye penalty ke saath purani rakam bharni padti hai.
- Maturity dar ko pakka maan lena. Sarkar har teen mahine me dar badalti hai. 21 saal me dar kai baar badlegi, isliye calculator ka number ek anuman hai — pakka wada nahi.
- Umar ki seema chook jaana. Khaata beti ke janm se 10 saal ki umar tak hi khul sakta hai. Ye samay nikal gaya to phir mauka nahi milta.
- Do se zyada khaate ki koshish. Ek parivaar me aam taur par do betiyon tak hi khaata khul sakta hai (judwa ki alag chhoot hai).
- Saal ke aakhir me jama karna. 5 April se pehle jama karne par us poore saal ka byaj milta hai. Baad me daalne par mahine chhoot jaate hain.
Bharat me kya alag hota hai
- Kahan khulta hai: Post office aur zyadatar sarkari bank me. Beti ka janm praman patra, maa-baap ka pehchan patra aur pata chahiye.
- Tax: Old Regime me 80C ki chhoot milti hai, aur byaj aur maturity dono par tax nahi lagta — yaani EEE.
- Aanshik nikasi: Beti ke 18 saal ke hone par ya 10vi ke baad padhai ke liye balance ka 50% tak nikala ja sakta hai.
- Jama ki seema: Saal me kam se kam ₹250 aur adhiktam ₹1.5 lakh.
- Verify karein: Maujooda byaj dar aur niyam India Post ya bank ki official site par ek baar dekh lein — ye samay-samay par badalte hain.
Saath ke tools
SSY ke wo niyam jo hisaab badal dete hain
SSY me paisa 21 saal baad milta hai par jama sirf 15 saal karna hota hai. Beech ke 6 saal me kuch jama nahi hota, phir bhi byaj chalta rehta hai.
| Niyam | Vivaran |
|---|---|
| Khata kab khul sakta hai | Beti ke janm se 10 saal ki umar tak |
| Jama kitne saal | Khate ke 15 saal tak |
| Maturity | Khulne ke 21 saal baad |
| Saalana seema | Kam se kam ₹250, zyada se zyada ₹1.5 lakh |
| Beti 18 ki hone par | Padhai ke liye 50% tak nikaal sakte hain |
Aksar pooche jaane wale sawaal
SSY me kitne saal jama karna padta hai?
15 saal tak jama karna hota hai, par khaata 21 saal me maturity par pahunchta hai.
Kya SSY ka byaj tax-free hai?
Haan, byaj aur maturity dono par tax nahi lagta. Old Regime me jama par 80C ki chhoot bhi milti hai.
Beti ki umar kitni honi chahiye?
Khaata janm se 10 saal ki umar tak khul sakta hai.
Beech me paisa nikal sakte hain?
18 saal ke baad padhai ya shaadi ke liye aanshik nikasi ho sakti hai. Poora paisa 21 saal par milta hai.
Byaj dar badalti rehti hai kya?
Haan, sarkar har teen mahine me review karti hai. Isliye ye calculator sirf anuman deta hai.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Rules badalte rehte hain, isliye bade faisle se pehle seedha yahan ek baar dekh lein: