GOVERNMENT
OF INDIA
MINISTRY
OF COMMUNICATIONS AND
INFORMATION TECHNOLOGY
DEPARTMENT
OF POSTS
RAJYA
SABHA
UNSTARRED
QUESTION NO.1450
TO
BE ANSWERED ON 8TH MAY, 2015
SAVINGS
ACCOUNTS FOR GIRL CHILD
1450. SHRI
RAJKUMAR DHOOT:
Will the Minister of COMMUNICATIONS AND INFORMATION TECHNOLOGY be pleased
to state:
(a) whether the
Ministry proposes to open one crore savings accounts for girl child in
Maharashtra and rest of the country;
(b) if so, the
details thereof; and
(c) how these
accounts will be beneficial to the girl child?
ANSWER
THE
MINISTER OF COMMUNICATIONS AND INFORMATION TECHNOLOGY
(SHRI RAVI
SHANKAR PRASAD)
(a), (b) & (c) A
new Small Savings Scheme called "Sukanya Samriddhi Account" for the
welfare of Girl Child has been launched by Hon’ble Prime Minister on 22nd
January, 2015 in Panipat, Haryana. The account can be opened in Post Offices as
well as in banks. With an aim to spread awareness and to provide benefit of
such a good scheme to more and more number of girl child, the Department of
Posts set target to open one crore Sukanya Samriddhi Accounts in the country,
including Maharashtra. So far, more than 38 Lakhs accounts have been opened in
different Post Office. The details of the scheme and facilities provided in
these accounts which will be beneficial to the girl child are at Annexure-I.
ANNEXURE-I
i. ‘Sukanya
Samriddhi Account’ is a new Small Savings Scheme for girl child.
ii.
An account can be opened in the
name of Girl Child under ‘Sukanya Samriddhi Account’ (SSA) by Guardian/Natural
Guardian. Birth certificate of the girl child has to be produced. The depositor
(parents or guardian) has to submit his/her identity and address proofs.
iii.
A Guardian can open only one
account in the name of one girl child and maximum two accounts in the name of
two different girl children. The natural or legal guardian can open two or
three accounts if twin girls are born as second birth or triplets are born in the
first birth itself.
iv.
An account under SSA can be
opened up to the age of 10 years only from the date of birth. The girl child
who had attained the age of 10 years, one year prior to the commencement of
this scheme shall also eligible to open the SSA.
v.
Minimum amount for opening SSA
is Rs 1000/- (subsequent deposit should be in multiple of Rs 100/-).
vi.
A minimum of one thousand
rupees shall be deposited in a financial year but the total money deposited in
an account on a single occasion or on multiple occasions shall not exceed Rs
1.5 Lakh in a financial year.
vii.
There is no limit on the number
of deposits. The deposits in ‘Sukanya Samriddhi Account’ can be made in the
form of Cash or Demand Draft or Cheque.
viii.
The interest rate for the
financial year 2015-16 under ‘Sukanya Samriddhi Account’ is 9.2%. The rate of
interest is not fixed and will be notified by the Central Government on
financial yearly basis.
ix.
50% (half of the fund) of the
accumulated amount in ‘Sukanya Samriddhi Account’ can be withdrawn for girl’s higher
education and marriage after she attains 18 years of age.
x.
‘Sukanya Samriddhi Account’ can
be closed after completion of 21 years.
xi.
If account is not closed after
maturity, balance will continue to earn interest as specified for the scheme
from time to time.
xii.
The account can be transferred
anywhere in India if the girl shifts to a place other than city or locality
where the account stands.
xiii.
Investment in Sukanya Samriddhi
Account has been covered under Section 80C of
IT Act.
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