Many of our readers sought an answer of
Can Account be opened without furnishing Birth Certificate of Girl Child? Or Is
there any other document which can be submitted instead of Birth Certificate of
Girl Child or What to do if the birth certificate does not have the name of the
girl child?
Before giving
answer to this question, let us first know the blueprint of the Sukanya
Samriddhi Yojana.
Sukanya
Samriddhi Yojana at Glance
1. Any Girl
Child aged 10 years or less is eligible to open Sukanya Samriddhi Account
either in post office or bank.
2. The account
can be opened either by the parent or by the legal guardian. No other person
can open account for the girl child, but depositor can be different person i.e.
once account is opened by the parent, anyone can deposit amount into the
account but do remember that the tax-benefit under section 80C for the
deposited amount can only be claimed by the parent not by the depositor.
3. One account
per girl child with a minimum deposit is Rs.1,000 per annum and maximum deposit
of Rs.1.50 lakhs per annum. The deposits are to be made for 14 years from the
date of opening of account and have no nexus with the age of the girl child.
4. Interest
rate is flexible and shall be revised each year by the Government. For the current
fiscal year i.e. 2015-16, interest rate is fixed at 9.20% p.a. (earlier 9.10%
p.a.) which is compounded annually.
5. Amount
deposited towards SSA, interest accrued on the deposited amount and maturity
proceeds, all are tax-free i.e. SSA falls under EEE investment scheme wherein
contributed amount is deductible under section 80C plus interest amount and
maturity amount is tax-free.
6. The
withdrawal up to 50% can be made when the girl child attains the age of 18
years and that too for the higher education or for marriage.
7. Sukanya
Samriddhi Account will be matured after 21 years from the date of opening of
account, not when the girl attains the age of 21 years.
Required Documents to open Sukanya
Samriddhi Account
Following are the 3 documents required
to open sukanya samriddhi account:
1.
Birth Certificate of the Girl Child having Name on it.
2.
Identity Proof of the Parent or Legal Guardian.
3.
Address Proof of the Parent or Legal Guardian.
Now the
question arises, what if there is no birth certificate of the girl or the birth
certificate do not have the name of the girl child on it?
In absence of the Birth Certificate
or any other discrepancies in the Birth Certificate of the Girl Child, the
following documents can be submitted in place of the birth certificate:
1.
Certificate
of Date of Birth from the School Headmaster; or,
2.
Certificate
of Date of Birth from the Hospital where the Girl Child was born.
But please bear in mind that the
certificate should have the name of the Girl Child as this is the only document
which will make Girl Child eligible to withdraw money at the time of maturity.
