Post Office Sukanya Samriddhi Yojana Monthly ₹2000

Post Office SSY Monthly ₹2,000 (Quick Facts)

The table below summarises the key investment details for depositing ₹2,000 per month in a Post Office SSY account.

What is Post Office SSY Monthly ₹2,000 Investment?

The Sukanya Samriddhi Yojana is a long-term small savings plan by the Government of India for a girl's higher education, marriage, or future needs. An SSY account can be opened at a post office or authorised bank in the name of a girl child (aged below 10 years). 

By choosing to invest in the Post Office Sukanya Samriddhi Yojana with a monthly contribution of ₹2,000 (₹24,000 per year), you follow a structured savings plan that helps build a sizable corpus over time with compounding interest. Investing money into this investment plan helps you save money every month in a disciplined way.

Illustration of Post Office SSY Monthly Investment of ₹2,000

Let us understand the projected growth when you invest in the Post Office SSY with ₹2,000 per month:

*Illustration assumes ₹2,000 is deposited by the 5th of every month and the SSY interest rate remains at 8.2% throughout the investment period. Actual maturity value will vary based on deposit dates and future interest-rate revisions. 

Post Office Sukanya Samriddhi Yojana ₹2,000 Per Month Chart

The following chart provides an illustrative projection assuming an SSY interest rate of 8.2% p.a. throughout the investment period: 

*Illustration assumes deposits are made by the 5th of every month and the SSY interest rate remains at 8.2% throughout. Actual values will vary based on deposit dates and future interest-rate revisions. 

Post Office Sukanya Samriddhi Yojana Eligibility

You need to meet the following eligibility criteria to open an account under the Sukanya Samriddhi Yojana:

• Eligible Candidate: Girl child below 10 years of age
• Account Holder: Parents or legal guardian
• Maximum Accounts per Family: 2, subject to specified exceptions for multiple births
• Minimum Annual Deposit: ₹250
• Maximum Annual Deposit: ₹1.50 lakh
• Where to Open: Post Office or authorised bank branch

Benefits of Post Office Sukanya Samriddhi Yojana Monthly 2000

The key highlights of investing ₹2,000 per month in the Post Office Sukanya Samriddhi Yojana are mentioned below:

• Current Interest Rate: SSY currently offers an SSY interest rate of 8.2% p.a., subject to periodic revision. 
• Tax-Free Benefits: Eligible SSY contributions qualify for deduction under Section 123 of the Income Tax Act, 2025, subject to the applicable tax regime and prescribed limits. The deduction is not available under the new tax regime. Interest earned and eligible maturity proceeds are exempt from tax under the applicable provisions. 
• Long-Term Savings: Saving ₹2,000 per month helps build a strong fund for your daughter's future.
• Partial Withdrawal for Education: Up to 50% of the balance at the end of the financial year preceding the year of withdrawal can be withdrawn for the girl's education after she turns 18 or passes Class 10, whichever is earlier. These are subject to scheme conditions and documentary requirements. 

Post Office Sukanya Samriddhi Yojana Calculator

You can use the Post Office SSY calculator to estimate your maturity amount from the SSY scheme. Add the monthly deposit (₹2,000), girl child's age, and starting year. The tool gives you an estimated maturity amount and total interest earned from your investment. This is valuable for planning your finances and comparing how much your money grows over time.