SSY ke niyam: khata kholne se maturity tak
Sukanya Samriddhi Yojana ka khata ladki ke janm se lekar 10 saal ki umar pure hone se pehle tak, uske mata-pita ya kanooni abhibhavak khol sakte hain. Ek ladki ke naam par keval ek khata, aur ek parivar me aam taur par adhiktam do khate — isiliye teesri santan (judwa jaisi khaas sthitiyon ko chhod kar) ke liye ye suvidha nahi milti. Khata post office ya bank me ₹250 ki chhoti rakam se khul jata hai.
Jama ka niyam aisa hai: har vitt varsh me kam se kam ₹250 aur adhik se adhik ₹1,50,000. Jama keval 15 saal tak karna hota hai, lekin khata 21 saal pure hone par paripakv hota hai — beech ke 6 saal jama band rehta hai, byaaj chalta rehta hai. Kisi saal nyuntam ₹250 na jama ho to khata "band" (default) ho jata hai; use har saal ke liye ₹50 jurmana aur bakaaya rakam dekar dobara chalu karaya ja sakta hai. Byaaj dar sarkar har timahi ghoshit karti hai — is calculator ki dar usi samay ki ghoshit dar hai, aur bhavishya me badal sakti hai.
Nikaasi ke niyam bhi pehle se samajh lein. Ladki ke 18 saal ke hone ke baad uski uchch shiksha ke liye pichhle saal ke ant ki shesh rakam ka adhiktam 50% nikala ja sakta hai. Khata 21 saal se pehle keval khaas sthitiyon me band hota hai — jaise ladki ki 18 saal ke baad shadi, ya gambhir chikitsa sambandhi karan. Tax ki taraf se ye yojana EEE shreni me aati hai: jama par 80C ki chhoot (abhibhavak ko), byaaj tax-free aur maturity bhi tax-free.
🧮 Ek aur hisab: har saal ₹50,000 jama karne par
Maan lijiye aap har saal ₹50,000 jama karte hain — 15 saal me kul jama ₹7,50,000. Is page ke formula se 8.2% ki dar par 21 saal ki paripakvta par rakam lagbhag ₹22,12,606 banti hai — matlab takreeban ₹14,62,606 sirf byaaj. Dhyaan dein, is hisab me aakhri 6 saalo me koi naya paisa nahi gaya; jo badhotari dikhi, wo sirf purani rakam par lagne wale byaaj ki hai. Dar badle to antim number bhi badlega — ye ek anumaan hai, isiliye har 2-3 saal me hisab dobara dekhna sahi rehta hai.