Beti Bachao Beti Padhao Scheme Sukanya Samriddhi Yojana Scheme Eligibility Benefits

Beti Bachao Beti Padhao Scheme Sukanya Samriddhi Yojana Scheme Eligibility Benefits

Beti Bachao Beti Padhao Scheme Caring for the Girl Child:
This is a social campaign aimed at eradication of female foeticide and raising awareness on welfare services intended for young Indian girls. The "Save the Girl Child" movement was launched on 22 January 2015, it is a joint initiative run by the Ministry of Women and Child Development, the Ministry of Health and Family Welfare and the Ministry of Human Resource Development.Beti Bachao, Beti Padhao - The scheme was launched with an initial funding of Rs 100 crores. It mainly targets the clusters in Uttarakhand, Bihar, Uttar Pradesh, Punjab, Delhi and Haryana. In India, the child gender ratio in the age group of 0 - 6 years stood at 931 girls for 1000 boys and it dropped to 918 girls for every 1000 boys in 2011. Sex - selective abortion or female foeticide in India has led to the sharp decline in the ratio of girls born in contrast to the boys in some states in the country. The wide gap in child gender ratio was first noted in 1991 when the national census data was released and it turned out to be a worsening problem after the release of 2001 national census data. To bridge the growing gap between the birth of girl and boy infants, the government of India has taken up an initiative to promote Beti Bachao Beti Padhao and many programmes has been organized to promote ‘Save Girl Child' and to ‘Educate Girl Child', since January 2015. The campaign has also received support from the Indian Medical Association.

How to apply for beti bachao beti padhao scheme:
Beti Bachao Beti Padhao scheme has three levels:

Beti Bachao Beti Padhao Scheme provides the financial support for higher education and marriage purposes to Girlchild. Indian Government set the 100 crores budget for this scheme.

This plan is being managed at three levels as mentioned below:
National Level maintain by National Task Force Secretariat MWCD
State level managed by State task force Secretariat
District level managed by District collector

Eligibility Criteria:
  • A family should have Girl Child
  • A family should open the SSA (Sukanya Samriddhi Account) in any bank
  • Girl child should be Indian and NRIs are not eligible
  • Required documents:
  • Girl Birth certificate
  • Identity card of parents
  • Aadhar card
  • Address proof: Passport, Driving license, Utility bills like water, telephone, electricity etc
  • Recent passport size photograph
Benefits:
  • The main intention of the scheme is to equalizing sex ratio
  • This scheme will also ensure the girl child educated properly
  • It will help the Girl child parents in saving money for her higher education and marriage purposes
  • Under this Government scheme, tax saving is offered to parents of Girl child at the same time and interest rate in saving account are highest
  • Amount accumulated in saving account will pay to the girl child and she is eligible to withdraw funds
  • All girls up to age 10 years of age are eligible to this scheme
  • The maximum amount can deposit in this account up to Rs 1.5 lakh per annum
Steps to apply for Beti Bachao Beti Padhao Scheme:
  • Applicants need to visit any bank branch or post office where this scheme is available
  • Then collect the application form for Beti Bachao Beti Padhao Scheme/Sukanya Samriddhi account
  • Fill the form manually and attach all the required documents
  • Submit that form to the concerned officer in bank/post office
  • Under this scheme, account should be open for a name of Girl child
  • You can easily transfer the BBBP account from one bank to another bank or bank to post officer or vice versa
Who will manage this Sukanya Samriddhi account?
Sukanya Samriddhi account can be opened by girl below 10 years of age and this account can be managed by parents or guardian at daughter below age. After that Girl can manage her own account

The special interesting feature of this account is yearly 9.1 interests will be given and the rate can also be increased in future. Minimum deposit of account is Rs 100 per year (it is Mandatory) otherwise the account will be closed
SSA account rules:
  • The maturity of account is 21 years from the application date
  • The depositor can withdraw 50% money at age of 18 years of Girl child for her marriage or education
  • This scheme can open at any bank and post offices
  • The account will open up to 10 years of age
  • The amount paid will tax benefit under section 80C
  • After maturity, the entire amount will credit to Girl Child account after adding interest
Beti Bachao Beti Padhao scheme Brand Ambassador:
The logo of Beti Bachao Beti Padhao was created by Bollywood Madhuri Dixit. And she is the brand ambassador of the scheme. Heart touching advertisements were created. This scheme should help the country and do not let girl escape from crime.

Applicants can easily open this SSA account any Anganwadi centers, bank branches, and post offices. This scheme provides the financial help for the Girl child higher education or marriage purposes. The funds automatically reach maturity stage of account and also the amount can withdraw by Girlchild. Save the Girl child and she saves the World.

How to calculate sukanya samriddhi yojana interest:
sukanya samriddhi yojana calculator:
How to calculate maturity value of Sukanya Samriddhi Yojana:
Sukanya Samriddhi Yojana (SSY) is a small deposit scheme for the girl child launched as a part of the 'Beti Bachao Beti Padhao' campaign. One of the reasons why this scheme has become popular is due to its tax benefit. It comes with a maximum tax benefit of Rs 1.5 lakh under section 80C of the Income-tax Act. Further, the interest accrued and maturity amount are exempt from tax.

If you are planning on investing in the scheme, you can use the Sukanya Samriddhi Yojana calculator to calculate the maturity amount at the end of the tenure. You can use the calculator to find out how much you can approximately save via this scheme for the daughter's higher education and/or marriage.

Who can use SSY calculator?
To use this calculator, one must satisfy the eligibility conditions of the Sukanya Samriddhi scheme. According to the rules, the following people are eligible to open a Sukanya Samriddhi account:
a) Age of girl child should not exceed 10 years
b) She should be a resident citizen of India
c) Account cannot be opened for more than two girl children in a single family

How to use Sukanya Samriddhi calculator:
If you satisfy eligibility conditions, then the calculator will ask you to provide the age of your daughter/s and amount that you want to invest in the scheme. The minimum amount you can invest is Rs 1,000 and maximum is Rs 1.5 lakh in a single financial year. With effect from 5 July, 2018, the government has reduced the minimum investment amount to Rs 250.

How the calculator works:
The calculator, based on the amount entered by you, calculates the approximate value that will be received by you at maturity. The scheme will mature after the completion of 21 years from the date of opening of the account.

According to the scheme rules, a depositor is required to make deposits every year till the completion of 15 years from the date of opening of account. Here, the calculator assumes that you have made all the deposits every year of the same amount as selected by you.

Between the 15th year and 21st year, no deposits are required to be made. However, you will be earning interest on the earlier deposits made. The calculator takes into account the interest that will be accrued to you during those years.

What does the calculator show?
Depending on the information provided by you, the calculator will show you the year in which the account matures, the maturity value, interest rate using which the maturity value is arrived at. It also shows the break-up of amount that you can invest monthly in the scheme.

While arriving at the maturity value, we have assumed interest rate of 8.1 per cent per annum throughout the next 21 years as it is currently offered in the Sukanya Samriddhi Yojana.
Other links:
Mahila E-haat Scheme Features Benefits and Eligibility
Policies for Girl Child/Government Schemes for Girl Child
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