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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