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PPF Rates Unchanged But Sukanya Samriddhi Scheme to Earn More

PPF Rates Unchanged But Sukanya Samriddhi Scheme to Earn More

Operation Deposit Maturity
Parents of the girl child can open an account in the girl’s name in a Bank or a Post Office till the girl attains the age of 10.  Deposits can be made till the girl turns 14. Once she is 10 she can herself start operating the account. Only one account could be opened per child and this facility is for a maximum of two children.  If the children are twins or triplets the account opening facility may go to the third child. Sukanya Samridhi Interest Rate was decided to be at 9.1 percent when it was announced, way higher than the Kisan Vikas Patrika Rates.

To open the account a minimum initial deposit is Rs. 1000.00 and maximum of Rs. 1.5 lakhs.  There is no limit to the deposits in a month or a year. The account can be closed once the girl attains the age of 21.  If account is continued post maturity the balance will continue to get the interest time to time as specified by the scheme.

Interest Rates and other Details

Sukanya Samridhi Interest Rate for the fiscal year 2015-16, effective from 1st April 2015 is 9.2 percent while PPF and Kisan Vikas Patrika Rates remain unchanged at 8.7 percent.  Partial withdrawal up to 50 percent is allowed only when the account holder turns 18.  In PPF accounts loan can be availed however, there is no loan facility in Sukanya Samriddhi Scheme.  Account could be transferred to any city or place where the girl child moves.  If there is no deposit made in a particular year there will be a fine of Rs 50 per year.

PPF Rates Unchanged But Sukanya Samriddhi Scheme to Earn More

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