21 साल में बेटी बनेगी लखपति, जानें कैसे?

Yogita Ladha Jan 23,2024

बिटिया रानी के सपनों को साकार करने में भारत सरकार की सुकन्या समृद्धि योजना आपके लिए दमदार साबित हो सकती है.

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1 साल में आप SSY खाते में ₹250 से ₹1.5 लाख रुपए तक डिपॉजिट कर सकते हैं.

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SSY में खाता खोलने के लिए बेटी की उम्र 10 साल से कम होनी चाहिए. आपको खाते में 15 सालों तक राशि जमा करनी होगी.

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SSY खाता 21 साल में मैच्‍योर होता है और मिलने वाले ब्याज पर कोई टैक्स नहीं लगता. खाते पर 8% का ब्याज ऑफर किया जाता है.

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SSY में मिले गए ब्याज पर कंपाउंडिंग का फायदा मिलता है. बेटी की उम्र 18 साल होने पर खाते से पढ़ाई या शादी के लिए पैसे निकाले जा सकते हैं.

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इस आसान कैलकुलेशन से जानें कि 21 लाख का फंड बनाने के लिए आपको कितनी इंस्टॉलमेंट में कितने पैसे जमा करने होंगे.

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15 सालों तक आपको हर महीने ₹4,000 रुपए का निवेश करना होगा. ऐसे में आप हर साल में कुल ₹48,000 जमा करेंगे.

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वहीं, 15 साल बाद ₹4,000 की मंथली इंस्टॉलमेंट के हिसाब से आपके SSY खाते में ₹7,20,000 डिपॉजिट हो जाएंगे.

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कंपाउंडिंग इंटरेस्ट का फायदा उठाकर आप ₹7,20,000 की जमा राशि पर कुल ₹14,37,797 का ब्याज कमा सकते हैं.

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इस कैलकुलेशन के हिसाब से 21 साल बाद अकाउंट मैच्‍योर होने पर आप ₹21,57,797 रुपए का बड़ा फंड बना सकते हैं.

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