Q: What is age requirement to open Sukanya Samriddhi Account .
A:Girl’s Age limit: Sukanya Samriddhi Account can be opened by a legal guardian or by parents of the girl child by visiting nearest post office or selected bank branches. The girl child’s age can be maximum 10 years old while opening SSA account.
Q: Is there any relaxation in age.
A:As this is the starting year, Govt is providing a grace period of 1 year till December 2015. Any girl child born between 2 December 2003 and 1 December 2004 can open account up to till 1 December 2015.This rule is just for this year only.
Q:Who can open SSA .
A: Only the parents or the legal guardian of the girl child can open SSA account.One can’t open SSA account for his/her sisters or brothers daughter’s account.
Q: Is there any restriction in number of accounts to be opened by one person.
A: YES, The no of account can be opened in the name of max 2 girl child only.But in case ,If 1st or 2nd birth gave twins then it can be opened for all 3 girls. From a family only one account is possible in the name of girl child. In simple terms, the thumb rule regarding Sukanya Samriddhi Account no of account is “One girl, One account”.
Q: Where to open Sukanya Samriddhi Account
A: One can easily open this account by visiting nearest post-office./Bank branch.
Q: What Documents are required to open SSY account
A: To open Sukanya Samriddhi Account One have to provide birth certificate of kid, 2 passport photo graph, photo id of parent or guardian opening the account and address proof.
Q: What Interest rate is applicable on SSYAccount
A: Interest rate of this account will be changed every year. the interest rate is 9.2% for FY 2015-16.
Q: What is maximum amount that can be deposited in a year in this account.
A: Rs 1.5 lac.max.
Q: What is minimum amount can be deposited in the account.
A:The minimum amount one have to deposit to continue this account is Rs 1000 only .
Q: What is total term of this deposit account.
A:One can deposit under this scheme up to 14 years from the date of account opening only.
Q: What is date of maturity of this account.
A: The Sukanya Samriddhi Account will mature after 21 years from the date of opening. or At the time of marriage of girl, whichever is earlier.
Q: Can some money can be pre maturely withdrawn.
A:YES, Pre-mature withdrawal is permitted . One can withdraw 50% of the amount accumulated till 18th year of the girl child. The purpose of withdrawal must be higher education of girl child.
Q: Can account be transferred from one place to another.
A: YES, The account can be transferred to any part of country with the girl moving that city.
Q: In case girl child dies than who can get this money.
A;In case of death of depositor the account should be closed immediately. In such case the amount accumulated till the previous month of death will be returned to the nominee declared while opening SSA account or Guardian of the girl child.
Q:Atal Pension Yojna (APY) was launched on.
A: June 1 2015 .
Q: What is focus area of scheme.
A: focus is on the unorganised sector.
Q: What is quantum of pension.
A: .Under the Atal Pension Yojna Scheme (APY), the subscribers ,under the age of 40, would receive the fixed monthly pension of Rs. 1000 to Rs 5000 at the age of 60 years, depending on their contributions.
Q: What is contribution of Govt in this scheme.
A:To make the the pension scheme more attractive, government would co-contribute 50 per cent of a subscriber’s contribution or Rs 1,000 per annum, whichever is lower to each eligible subscriber account for a period of of 5 years from 2015-16 to 2019-20. The benefit of government’s co-contribution can be availed by those who subscribe to the scheme before December 31, 2015.
Q: Discuss eligible persons.
A:Eligibility for APY: Atal Pension Yojana (APY) is open to all bank account holders who are not members of any statutory social security scheme.
Age of joining and contribution period: The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
A: June 1 2015 .
Q: What is focus area of scheme.
A: focus is on the unorganised sector.
Q: What is quantum of pension.
A: .Under the Atal Pension Yojna Scheme (APY), the subscribers ,under the age of 40, would receive the fixed monthly pension of Rs. 1000 to Rs 5000 at the age of 60 years, depending on their contributions.
Q: What is contribution of Govt in this scheme.
A:To make the the pension scheme more attractive, government would co-contribute 50 per cent of a subscriber’s contribution or Rs 1,000 per annum, whichever is lower to each eligible subscriber account for a period of of 5 years from 2015-16 to 2019-20. The benefit of government’s co-contribution can be availed by those who subscribe to the scheme before December 31, 2015.
Q: Discuss eligible persons.
A:Eligibility for APY: Atal Pension Yojana (APY) is open to all bank account holders who are not members of any statutory social security scheme.
Age of joining and contribution period: The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to contribute till one attains 60 years of age.
For written exam/ interview guidance , you may contact:
ANIL AGGARWAL SIR
EX CHIEF MANGER ,PUNJAB NATIONAL BANK.
Mobile: +91 9811340788
E-mail ID: anilakshita@yahoo.co.in
Office: Flat #49, Trilok Apartments, Patparganj, I.P. Extension, Delhi-110092.
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