एक जानदार Government Savings Scheme आपकी Daughter के लिए। - YouTube

If you have a girl child less than 10 years of age at home, then this video is very important for you friends

Do watch it till the end.

Friends, my name is Vivek Bajaj, I have been associated with financial markets

for the last 15 years. Friends, I have an 11-year-old daughter

she's very sweet, and of course, I adore her smile very much

Friends, if you are a father or a brother and if you can understand what I mean,

you must also be having very pleased thoughts in your mind.

Daughters are truly god's biggest gift, and it is our responsibility to keep that gift safe.

Friends, the government has launched various schemes, which are beneficial for our daughters.

and today I want to discuss one of those schemes,

and I wish that you can do something for your daughter under that scheme.

Friends, there is a government scheme which is known as sukanya samriddhi yojana.

under this scheme, there are some solutions for your daughter's future or samriddhi.

and if we want, we can take full benefits of those solutions.

What is the yojana? Every year, you will deposit some money into the bank,

and in the bank, for the scheme, an aadhar-based account will be opened.

and slowly, slowly, over the next 21 years, this amount will get compounded & become a big capital.

you can use that capital for your daughter's education or for her marriage.

How much capital will you have to give? From 250/-.. friends you can even give just Rs. 250

from Rs. 250 to Rs. 1,50,000, if you deposit yearly into this scheme,

your capital can grow slowly to become a sizeable capital amount.

What is the benefit? Friends, the biggest benefit here is tax.

When you deposit this amount, you will get an exemption under section 80C.

this means if you deposit Rs. 1,50,000, you will be able to get a tax deduction on this amount.

secondly, when you get the interest income after redeeming the capital in 21 years,

when you get the capital, you still won't have to pay any tax.

this means that whatever you are earning is going into your pocket directly.

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Now, the question is, how much are we earning?

when this scheme was launched in 2015-16,

the scheme's interest rate was 8.5%.

In today's date, in 2020, the interest rate is 7.6%.

It's not bad for today, friends.

Even an FD in a regular bank won't give a rate of more than 5% for a year.

But here you are getting 7.6% yearly, from the government, and that too, guaranteed.

and above that, tax-saving.

What else do we need, friends? If you haven't started using this scheme yet

go to the bank now and get it started.

Friends, there are some criteria which we need to know about. Firstly,

your daughter should be below the age of 10 years, only then can you open an account.

secondly, only one account can be opened for one daughter.

it won't be possible to open multiple accounts of Rs. 1,50,000 each for the same child.

thirdly, only 2 daughters per home can be covered under this scheme.

So if you have 2 daughters, you can open 2 accounts. This is not possible if you have 3 children.

Now we have discussed the criteria, now let's say, that suppose,

if you need money sometime, can you withdraw that money?

Friends, the format is such that for 15 years you have to deposit money continuously.

You can deposit any money from Rs. 250- Rs. 1,50,000, you dont have to decide the amount today.

Till 15 years you need to deposit and then you don't have to put money.

in 21 years it will mature and you will get the money, as it is. You, as in your daughter.

if you ever need money in between & you needed to withdraw funds from this,

you can't withdraw for the first 5 years, but after that you can, but

you can't withdraw more than 50% of the total.

Friends, you have to remember, you can withdraw money but remember to deposit the 250 minimum,

with the amount it will stay active. If this account deactivates,

you will have to reactivate it and bear some charges,

but another problem is that if you don't activate it, then the interest you will get

will be converted to the interest rate of a regular savings account.

so you won't get today's rate of 7.6%.

so out whatever amount of money you can give continuously and sustain,

and see, if you have a daughter, you have to give money and build a surplus.

friends, this was a yojana for our daughters, unfortunately, there is no yojana for sons.

It is considered that sons will somehow manage everything by themselves,

but daughters are a special gift, and taking care of them is our responsibility,

& so the government has created this scheme for them.

Friends, you must be feeling good after hearing about this scheme, I definitely did,

I have been depositing Rs. 1.5 lakhs in this scheme for the last 4 years for my daughter

money is being accumulated while the market is silent

it's not like she will run her house with this money, but money is being saved, this is a great way for it,

tax is being saved, and money is being saved,

when we will see after years of depositing Rs. 1.5 lakhs, we will get at least 60-65 lakhs,

at that point, if there is less inflation, I will be able to afford her basic education successfully at least.

Friends, please do this. Go to your nearest bank and register to benefit from this scheme.

this scheme is easily available, & we couldn't use it before because we weren't aware,

now that I have told you, please use this scheme definitely.

Hope you liked this video, please do stay connected with my channel,

and encourage me, thank you.