{"id":64,"date":"2023-07-09T19:51:14","date_gmt":"2023-07-09T18:51:14","guid":{"rendered":"https:\/\/mehnatt.com\/?p=64"},"modified":"2023-07-15T07:36:46","modified_gmt":"2023-07-15T06:36:46","slug":"%e0%a4%b8%e0%a5%81%e0%a4%95%e0%a4%a8%e0%a5%8d%e0%a4%af%e0%a4%be-%e0%a4%b8%e0%a4%ae%e0%a5%83%e0%a4%a6%e0%a5%8d%e0%a4%a7%e0%a4%bf-%e0%a4%af%e0%a5%8b%e0%a4%9c%e0%a4%a8%e0%a4%be-sukanya-samridhi-yojana","status":"publish","type":"post","link":"https:\/\/mehnatt.com\/?p=64","title":{"rendered":"\u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e (Sukanya Samridhi Yojana)"},"content":{"rendered":"\n<p>                    \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0938\u092e\u092f-\u0938\u092e\u092f \u092a\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u092e\u0939\u093f\u0932\u093e\u0913\u0902 \u0915\u0940 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0926\u092e \u0909\u0920\u093e\u0924\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 \u0910\u0938\u093e \u0939\u0940 \u090f\u0915 \u0915\u0926\u092e \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0928\u0947 2019 \u092e\u0947\u0902 \u092c\u093e\u0932\u093f\u0915\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f &#8220;\u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e&#8221; \u0936\u0941\u0930\u0942 \u0915\u0930\u0915\u0947 \u0909\u0920\u093e\u092f\u093e \u0939\u0948\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 &#8220;\u092c\u0947\u091f\u0940 \u092c\u091a\u093e\u0913, \u092c\u0947\u091f\u0940 \u092a\u0922\u093c\u093e\u0913&#8221; \u0905\u092d\u093f\u092f\u093e\u0928 \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u0948\u0964<br>                    \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u092e\u093e\u0924\u093e-\u092a\u093f\u0924\u093e \u0915\u094b \u0909\u0928\u0915\u0940 \u0932\u0921\u093c\u0915\u093f\u092f\u094b\u0902 \u0915\u0940 \u0936\u093f\u0915\u094d\u0937\u093e, \u0936\u093e\u0926\u0940 \u091c\u0948\u0938\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0916\u0930\u094d\u091a\u094b\u0902 \u0915\u0940 \u092f\u094b\u091c\u0928\u093e \u092c\u0928\u093e\u0928\u0947 \u092e\u0947\u0902 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0932\u093e\u092d \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0915\u0928\u094d\u092f\u093e \u0915\u0947 \u092e\u093e\u0924\u093e-\u092a\u093f\u0924\u093e \u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0915\u0947 \u0909\u091a\u094d\u091a \u0914\u0930 \u0917\u093e\u0930\u0902\u091f\u0940\u0915\u0943\u0924 \u0930\u093f\u091f\u0930\u094d\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u093f\u090f \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 FD (Fixed Deposit) \u0930\u093f\u091f\u0930\u094d\u0928 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u0948\u0964<br>\u0907\u0938 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0939\u092e \u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e \u0915\u094b \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u0938\u092e\u091d\u0947\u0902\u0917\u0947\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0935\u093f\u0937\u092f\u0938\u0942\u091a\u0940 (Contents)<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"line-height:2.5\"><a href=\"#open\">\u0915\u094c\u0928 \u0916\u093e\u0924\u093e \u0916\u094b\u0932 \u0938\u0915\u0924\u093e \u0939\u0948<\/a><\/li>\n\n\n\n<li style=\"line-height:2.5\"><a href=\"#deposit\">\u0915\u093f\u0924\u0928\u0940 \u0930\u093e\u0936\u093f \u091c\u092e\u093e \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948<\/a><\/li>\n\n\n\n<li style=\"line-height:2.5\"><a href=\"#interest\">\u0915\u093f\u0924\u0928\u093e \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0947\u0917\u093e<\/a><\/li>\n\n\n\n<li style=\"line-height:2.5\"><a href=\"#run\">\u0916\u093e\u0924\u093e \u0938\u0902\u091a\u093e\u0932\u0928<\/a><\/li>\n\n\n\n<li style=\"line-height:2.5\"><a href=\"#withdrawal\">\u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u092c \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948<\/a><\/li>\n\n\n\n<li style=\"line-height:2.5\"><a href=\"http:\/\/@premature\">\u0916\u093e\u0924\u093e \u0938\u092e\u092f \u0938\u0947 \u092a\u0939\u0932\u0947 \u092c\u0902\u0926<\/a><\/li>\n\n\n\n<li style=\"line-height:2.5\"><a href=\"http:\/\/@maturity\">\u0916\u093e\u0924\u093e \u092a\u0930\u093f\u092a\u0915\u094d\u0935\u0924\u093e \u092a\u0930 \u092c\u0902\u0926<\/a><\/li>\n\n\n\n<li style=\"line-height:2.5\"><a href=\"#how-open\">\u0916\u093e\u0924\u093e \u0915\u0948\u0938\u0947 \u0916\u094b\u0932\u0947\u0902<\/a><\/li>\n\n\n\n<li style=\"line-height:2.5\"><a href=\"#benefits\">\u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0932\u093e\u092d<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"open\">\u0915\u094c\u0928 \u0916\u093e\u0924\u093e \u0916\u094b\u0932 \u0938\u0915\u0924\u093e \u0939\u0948<\/h3>\n\n\n\n<p>(1) <strong>10 \u0935\u0930\u094d\u0937<\/strong> \u0938\u0947 \u0915\u092e \u0906\u092f\u0941 \u0915\u0940 \u092c\u093e\u0932\u093f\u0915\u093e \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u0905\u092d\u093f\u092d\u093e\u0935\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br>(2) \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0921\u093e\u0915\u0918\u0930 \u092f\u093e \u0915\u093f\u0938\u0940 \u092d\u0940 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u092c\u093e\u0932\u093f\u0915\u093e\u0913\u0902 \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u0915\u0947\u0935\u0932 \u090f\u0915 \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br>(3) \u090f\u0915 \u092a\u0930\u093f\u0935\u093e\u0930 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915\u0924\u092e \u0926\u094b \u0932\u0921\u093c\u0915\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092f\u0939 \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u091c\u0941\u0921\u093c\u0935\u093e\u0901 \/ \u0924\u0940\u0928 \u092c\u093e\u0932\u093f\u0915\u093e \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u091c\u0928\u094d\u092e \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902, \u0926\u094b \u0938\u0947        \u0905\u0927\u093f\u0915 \u0916\u093e\u0924\u0947 \u0916\u094b\u0932\u0947 \u091c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948 \u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"deposit\">\u0915\u093f\u0924\u0928\u0940 \u0930\u093e\u0936\u093f \u091c\u092e\u093e \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948<\/h3>\n\n\n\n<p class=\"has-text-align-left\">(1) \u0916\u093e\u0924\u093e \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u092a\u094d\u0930\u093e\u0930\u0902\u092d\u093f\u0915 \u091c\u092e\u093e \u0930\u0941. <strong>250\/- <\/strong>\u0915\u0947 \u0938\u093e\u0925 \u0916\u094b\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br>(2) \u0935\u093f\u0924\u094d\u0924 \u0935\u0930\u094d\u0937 \u092e\u0947\u0902 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u091c\u092e\u093e \u0930\u0941. <strong>250\/-<\/strong> \u0914\u0930 \u0905\u0927\u093f\u0915\u0924\u092e \u091c\u092e\u093e \u0930\u0941. <strong>1.50 \u0932\u093e\u0916<\/strong> (\u0930\u0941 50\/- \u0915\u0947 \u0917\u0941\u0923\u0915 \u092e\u0947\u0902 ) \u090f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937 \u092e\u0947\u0902 \u0915\u0908 \u0915\u093f\u0938\u094d\u0924\u094b\u0902                                  (installment) \u092f\u093e \u090f\u0915\u092e\u0941\u0938\u094d\u0924 (lumpsum) \u092d\u0940 \u091c\u092e\u093e \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0964<br>(3) \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0928\u0947 \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 \u0905\u0927\u093f\u0915\u0924\u092e <strong>15 \u0935<\/strong>\u0930\u094d\u0937 \u092a\u0942\u0930\u0947 \u0939\u094b\u0928\u0947 \u0924\u0915 \u0928\u093f\u092f\u092e\u093f\u0924 \u091c\u092e\u093e \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br>(4) \u092f\u0926\u093f \u090f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937 \u092e\u0947\u0902 \u090f\u0915 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u091c\u092e\u093e \u0930\u0941. <strong>250\/-<\/strong> \u091c\u092e\u093e \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u0916\u093e\u0924\u0947 \u0915\u094b \u091a\u0942\u0915 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u092e\u093e\u0928\u093e \u091c\u093e\u090f\u0917\u093e\u0964<br>(5) <strong>15 \u0935\u0930\u094d\u0937 <\/strong>\u092a\u0942\u0930\u094d\u0923 \u0939\u094b\u0928\u0947 \u0938\u0947 \u092a\u0942\u0930\u094d\u0935 \u091a\u0942\u0915 \u0916\u093e\u0924\u0947 \u0915\u094b \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0928\u0947 \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0935\u0930\u094d\u0937 \u0915\u0947 \u0932\u093f\u090f \u0928\u094d\u092f\u0942\u0928\u0924\u094d\u0924\u092e \u091c\u092e\u093e \u0930\u093e\u0936\u093f <strong>250\/- + 50\/- <\/strong>\u091a\u0942\u0915 \u091c\u092e\u093e \u0915\u0930       \u092a\u0941\u0928\u0930\u094d\u091c\u0940\u0935\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br>(6) \u091c\u092e\u093e \u0906\u092f\u0915\u0930 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0940 \u0927\u093e\u0930\u093e 80C (Income Tax sec 80c) \u0915\u0947 \u0924\u0939\u0924 \u0915\u091f\u094c\u0924\u0940 \u0915\u0947 \u0932\u093f\u090f \u0905\u0930\u094d\u0939\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"interest\">\u0915\u093f\u0924\u0928\u093e \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0947\u0917\u093e<\/h3>\n\n\n\n<p>(i) \u0916\u093e\u0924\u093e \u0924\u093f\u092e\u093e\u0939\u0940 (Quarterly Revision) \u0906\u0927\u093e\u0930 \u092a\u0930 \u0935\u093f\u0924\u094d\u0924 \u092e\u0902\u0924\u094d\u0930\u093e\u0932\u092f \u0926\u094d\u0935\u093e\u0930\u093e \u0905\u0927\u093f\u0938\u0942\u091a\u093f\u0924 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0926\u0930 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0905\u0930\u094d\u091c\u093f\u0924 \u0915\u0930\u0947\u0917\u093e\u0964<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><br><strong>\u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0924\u093f\u092e\u093e\u0939\u0940 (Current quarter)<\/strong><\/th><th><strong>\u092c\u094d\u092f\u093e\u091c \u0926\u0930 (Interest Rate) (01.07.2023)<\/strong><\/th><\/tr><\/thead><tbody><tr><td>(\u091c\u0941\u0932\u093e\u0908 \u0938\u0947 \u0938\u093f\u0924\u0902\u092c\u0930)<\/td><td>8.0 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>(2) \u092c\u094d\u092f\u093e\u091c \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0948\u0932\u0947\u0902\u0921\u0930 \u092e\u093e\u0939 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0902\u091a\u0935\u0947\u0902 \u0926\u093f\u0928 \u0915\u0940 \u0938\u092e\u093e\u092a\u094d\u0924\u093f \u0914\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0905\u0902\u0924 \u0915\u0947 \u092c\u0940\u091a \u0915\u0947 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u0915\u092e \u0936\u0947\u0937 \u0930\u093e\u0936\u093f \u092a\u0930 \u0915\u0940 \u091c\u093e\u090f\u0917\u0940\u0964<br>(3) \u092c\u094d\u092f\u093e\u091c \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937 \u0915\u0947 \u0905\u0902\u0924 \u092e\u0947\u0902 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0917\u093e\u0964<br>(4) \u092c\u094d\u092f\u093e\u091c \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937 \u0915\u0947 \u0905\u0902\u0924 \u092e\u0947\u0902 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0917\u093e \u091c\u0939\u093e\u0902 \u0916\u093e\u0924\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937 \u0915\u0947 \u0905\u0902\u0924 \u092e\u0947\u0902 \u0916\u093e\u0924\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 (\u092f\u093e\u0928\u0940 \u092c\u0948\u0902\u0915 \u0938\u0947 \u0921\u093e\u0915\u0918\u0930 \u092a\u0940\u0913 \u092f\u093e \u0907\u0938\u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924 \u0916\u093e\u0924\u0947 \u0915\u0947 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902)<br>(5) \u0905\u0930\u094d\u091c\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u0906\u092f\u0915\u0930 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0947 \u0924\u0939\u0924 \u0915\u0930 \u092e\u0941\u0915\u094d\u0924 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"run\">\u0916\u093e\u0924\u093e \u0938\u0902\u091a\u093e\u0932\u0928<\/h3>\n\n\n\n<p>\u0916\u093e\u0924\u093e \u0905\u092d\u093f\u092d\u093e\u0935\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0924\u092c \u0924\u0915 \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0917\u093e \u091c\u092c \u0924\u0915 \u0915\u093f \u092c\u093e\u0932\u093f\u0915\u093e \u092c\u093e\u0932\u093f\u0917 \u0906\u092f\u0941 (\u0905\u0930\u094d\u0925\u093e\u0924 18 \u0935\u0930\u094d\u0937) \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0932\u0947\u0924\u0940\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"withdrawal\">\u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u092c \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948 (Withdrawals)<\/h3>\n\n\n\n<p>(1) \u092c\u093e\u0932\u093f\u0915\u093e \u0915\u0947 <strong>18 \u0935\u0930\u094d\u0937<\/strong> \u0915\u0940 \u0906\u092f\u0941 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u092f\u093e <strong>10\u0935\u0940\u0902 \u0915\u0915\u094d\u0937\u093e<\/strong> \u0909\u0924\u094d\u0924\u0940\u0930\u094d\u0923 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0916\u093e\u0924\u0947 \u0938\u0947 \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<br>(2) \u092a\u0942\u0930\u094d\u0935\u0935\u0930\u094d\u0924\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0935\u0930\u094d\u0937 \u0915\u0947 \u0905\u0902\u0924 \u092e\u0947\u0902 \u0909\u092a\u0932\u092c\u094d\u0927 \u0936\u0947\u0937 \u0930\u093e\u0936\u093f \u0915\u093e <strong>50%<\/strong> \u0924\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<br>(3) \u0928\u093f\u0915\u093e\u0938\u0940 \u090f\u0915 \u092e\u0941\u0936\u094d\u0924 (lumpsum) \u092f\u093e \u0915\u093f\u0938\u094d\u0924\u094b\u0902 (installment) \u092e\u0947\u0902 \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948, \u0905\u0927\u093f\u0915\u0924\u092e \u092a\u094d\u0930\u0924\u093f \u0935\u0930\u094d\u0937 \u090f\u0915 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0928\u0939\u0940\u0902 \u0935 \u0905\u0927\u093f\u0915\u0924\u092e \u092a\u093e\u0902\u091a \u0935\u0930\u094d\u0937 \u0915\u0947 \u0932\u093f\u090f \u091c\u094b \u0928\u093f\u0930\u094d\u0926\u093f\u0937\u094d\u091f \u0938\u0940\u092e\u093e \u0914\u0930 \u0906\u0935\u0936\u094d\u092f\u0915 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0936\u0941\u0932\u094d\u0915 \/ \u0905\u0928\u094d\u092f \u0936\u0941\u0932\u094d\u0915 \u0915\u0947 \u0905\u0927\u0940\u0928 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"premature\">\u0916\u093e\u0924\u093e \u0938\u092e\u092f \u0938\u0947 \u092a\u0939\u0932\u0947 \u092c\u0902\u0926<\/h3>\n\n\n\n<p>(1) \u0916\u093e\u0924\u093e \u0928\u093f\u092e\u094d\u0928 \u0936\u0930\u094d\u0924\u094b\u0902 \u092a\u0930 \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0928\u0947 \u0915\u0947 <strong>5 \u0938\u093e\u0932 \u092c\u093e\u0926<\/strong> \u0938\u092e\u092f \u0938\u0947 \u092a\u0939\u0932\u0947 \u092c\u0902\u0926 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948: &#8211;<br>     &#8211; <strong>\u0916\u093e\u0924\u093e\u0927\u093e\u0930\u0915 \u0915\u0940 \u092e\u0943\u0924\u094d\u092f\u0941 \u092a\u0930\u0964<\/strong> (\u092e\u0943\u0924\u094d\u092f\u0941 \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0924\u0915 \u0921\u093e\u0915\u0918\u0930 (Post Office) \u092c\u091a\u0924 \u0916\u093e\u0924\u093e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0932\u093e\u0917\u0942 \u0939\u094b\u0917\u0940)\u0964<br>     &#8211; <strong>\u0905\u0924\u093f \u0906\u0935\u0936\u094d\u092f\u0915 \u0905\u0928\u0941\u0915\u092e\u094d\u092a\u093e \u0906\u0927\u093e\u0930 \u092a\u0930<\/strong><br>           (i) \u0916\u093e\u0924\u093e \u0927\u093e\u0930\u0915 \u0915\u094b \u091c\u0940\u0935\u0928 \u0915\u0947 \u0916\u0924\u0930\u0947 \u0935\u093e\u0932\u0940 \u092c\u093f\u092e\u093e\u0930\u0940 \u0939\u094b\u0928\u0947 \u092a\u0930\u0964<br>           (ii) \u0905\u092d\u093f\u092d\u093e\u0935\u0915 \u0915\u0940 \u092e\u0943\u0924\u094d\u092f\u0941 \u091c\u093f\u0938\u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u0916\u093e\u0924\u093e \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<br>           (iii) \u0907\u0938 \u0924\u0930\u0939 \u0915\u093e \u0916\u093e\u0924\u093e \u092c\u0902\u0926 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0906\u0935\u0936\u094d\u092f\u0915 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u0914\u0930 \u0906\u0935\u0947\u0926\u0928\u0964<br>           (vi) \u0916\u093e\u0924\u0947 \u0915\u094b \u0938\u092e\u092f \u0938\u0947 \u092a\u0939\u0932\u0947 \u092c\u0902\u0926 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0921\u093e\u0915\u0918\u0930 \u092e\u0947\u0902 \u092a\u093e\u0938\u092c\u0941\u0915 \u0915\u0947 \u0938\u093e\u0925 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0906\u0935\u0947\u0926\u0928 \u092a\u0924\u094d\u0930 \u091c\u092e\u093e \u0915\u0930\u0947\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"maturity\">\u0916\u093e\u0924\u093e \u092a\u0930\u093f\u092a\u0915\u094d\u0935\u0924\u093e \u092a\u0930 \u092c\u0902\u0926<\/h3>\n\n\n\n<p>(1) \u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0928\u0947 \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 <strong>21 \u0935\u0930\u094d\u0937<\/strong> \u0915\u0947 \u092c\u093e\u0926 \u092a\u0930\u093f\u092a\u0915\u094d\u0935\u0924\u093e \u092a\u0930 \u0938\u092e\u093e\u092a\u0928\u0964<br>(2) \u092f\u093e <strong>18 \u0935\u0930\u094d\u0937 <\/strong>\u0915\u0940 \u0906\u092f\u0941 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 <strong>\u0932\u0921\u093c\u0915\u0940 \u0915\u0940 \u0936\u093e\u0926\u0940<\/strong> \u0915\u0947 \u0938\u092e\u092f\u0964 (\u0936\u093e\u0926\u0940 \u0915\u0940 \u0924\u093e\u0930\u0940\u0916 \u0938\u0947 1 \u092e\u0939\u0940\u0928\u0947 \u092a\u0939\u0932\u0947 \u092f\u093e 3 \u092e\u0939\u0940\u0928\u0947 \u092c\u093e\u0926)\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-open\">\u0916\u093e\u0924\u093e \u0915\u0948\u0938\u0947 \u0916\u094b\u0932\u0947\u0902<\/h3>\n\n\n\n<p><br>\u0916\u093e\u0924\u093e \u0916\u094b\u0932\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u091c\u0926\u0940\u0915\u0940 \u092a\u094b\u0938\u094d\u091f \u0911\u092b\u093f\u0938 (Post Office) \u092e\u0947\u0902 \u092d\u0947\u091f \u0926\u0947\u0964 \u092f\u093e \u092b\u093f\u0930 \u0915\u094b\u0908 \u092d\u0940 \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f\u0915\u0943\u0924 \u092c\u0948\u0902\u0915 \u091c\u0948\u0938\u093e SBI \u092f\u093e \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u092c\u0948\u0902\u0915 \u091c\u0948\u0938\u093e \u090f\u091a\u0921\u0940\u090f\u092b\u0938\u0940 (HDFC Bank), \u0906\u0908\u0938\u0940\u0906\u0908\u0938\u0940\u0906\u0908 (ICICI Bank) \u092e\u0947\u0902 \u091c\u093e\u0915\u0947 \u0915\u0947\u0935\u093e\u0908\u0938\u0940 (KYC) \u0938\u092e\u094d\u092c\u0902\u0927\u093f\u0924 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c \u091c\u0948\u0938\u093e \u092a\u0948\u0928 \u0915\u093e\u0930\u094d\u0921 (PAN Card), \u0906\u0927\u093e\u0930 \u0915\u093e\u0930\u094d\u0921 (AADHAR Card) \u091c\u092e\u093e \u0915\u0930\u0947\u0964 \u0909\u0938\u0915\u0947 \u0938\u093e\u0925 \u090f\u0915 \u0906\u0935\u0947\u0926\u0928 \u092a\u0924\u094d\u0930 <a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/content\/pdfs\/494SSAC110315_A3.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">(Application Form)<\/a> \u092d\u0930 \u0915\u0930 \u091c\u092e\u093e \u0915\u0930\u0947\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"benefits\">\u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0932\u093e\u092d<\/h3>\n\n\n\n<p><strong>(1) \u091a\u0915\u094d\u0930\u0935\u0943\u0926\u094d\u0927\u093f \u092c\u094d\u092f\u093e\u091c (Compound Interest):-<\/strong> \u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e \u091a\u0915\u094d\u0930\u0935\u0943\u0926\u094d\u0927\u093f \u092c\u094d\u092f\u093e\u091c \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0940 \u090f\u0915 \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0928\u093f\u0935\u0947\u0936 \u092f\u094b\u091c\u0928\u093e \u0939\u0948\u0964 \u091a\u0915\u094d\u0930\u0935\u0943\u0926\u094d\u0927\u093f \u092c\u094d\u092f\u093e\u091c \u0915\u0947 \u0915\u093e\u0930\u0923 \u091b\u094b\u091f\u093e \u0938\u093e \u0928\u093f\u092f\u092e\u093f\u0924 \u0928\u093f\u0935\u0947\u0936 \u092d\u0940 \u0932\u0902\u092c\u0940 \u0905\u0935\u0927\u093f \u092e\u0947\u0902 \u0905\u091a\u094d\u091b\u093e \u0930\u093f\u091f\u0930\u094d\u0928 \u0926\u0947\u0924\u093e \u0939\u0948\u0964<br><strong>(2) \u0905\u0927\u093f\u0915 \u092c\u094d\u092f\u093e\u091c (Higher Interest):-<\/strong> \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 <strong>FD (Fixed Deposit<\/strong>) \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0914\u0930 <strong>PPF (Public Provident Fund)<\/strong> \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902, &#8220;\u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e&#8221; \u0909\u091a\u094d\u091a \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<br><strong>(3) \u0917\u093e\u0930\u0902\u091f\u0940\u0921 \u0930\u093f\u091f\u0930\u094d\u0928 (Guaranteed Returns):-<\/strong> \u0905\u0917\u0930 \u0939\u092e \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 <strong>(Mutual Fund)<\/strong> \u0914\u0930 \u0936\u0947\u092f\u0930 \u092c\u093e\u091c\u093e\u0930 <strong>(Stock Market)<\/strong> \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0924\u094b \u0938\u093e\u0932\u093e\u0928\u093e \u0930\u093f\u091f\u0930\u094d\u0928 \u0915\u0940 \u0915\u094b\u0908 \u0917\u093e\u0930\u0902\u091f\u0940 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940, \u0932\u0947\u0915\u093f\u0928 &#8220;\u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e&#8221; \u0917\u093e\u0930\u0902\u091f\u0940\u0921 \u0930\u093f\u091f\u0930\u094d\u0928 \u0926\u0947\u0924\u0940 \u0939\u0948\u0964<br><strong>(4) \u091f\u0948\u0915\u094d\u0938 \u092c\u0947\u0928\u093f\u092b\u093f\u091f (Tax Benefits):-<\/strong> (i) <strong>1.5 \u0932\u093e\u0916 \u0930\u0941\u092a\u092f\u0947<\/strong> \u0924\u0915 \u0915\u0940 \u091c\u092e\u093e \u0930\u093e\u0936\u093f \u0906\u092f\u0915\u0930 \u0905\u0927\u093f\u0928\u093f\u092f\u092e \u0915\u0940 \u0927\u093e\u0930\u093e 80c \u0915\u0947 \u0924\u0939\u0924 \u0915\u091f\u094c\u0924\u0940 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930     \u0939\u0948\u0964<br>                                                     (ii) \u091c\u092e\u093e \u092a\u0930 \u0905\u0930\u094d\u091c\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u0915\u0930 \u092e\u0941\u0915\u094d\u0924 \u0939\u0948\u0964 \u092c\u094d\u092f\u093e\u091c \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0938\u0902\u092f\u094b\u091c\u093f\u0924 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<br>                                                     (iii) \u092f\u0939\u093e\u0901 \u0924\u0915 \u0915\u0940 \u092a\u0930\u093f\u092a\u0915\u094d\u0935\u0924\u093e \u092a\u0930 \u0906\u092a\u0915\u094b \u092e\u093f\u0932\u0928\u0947 \u0935\u093e\u0932\u0940 \u0930\u093e\u0936\u093f \u092d\u0940 \u0915\u0930-\u092e\u0941\u0915\u094d\u0924 \u0939\u0948\u0964<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/mehnatt.com\/?p=51\" target=\"_blank\" rel=\"noreferrer noopener\">&#8220;\u092e\u0939\u093f\u0932\u093e \u0938\u092e\u094d\u092e\u093e\u0928 \u092c\u091a\u0924 \u092a\u0924\u094d\u0930 \u092f\u094b\u091c\u0928\u093e&#8221; (Mahila Samman Savings Certificate)<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0938\u092e\u092f-\u0938\u092e\u092f \u092a\u0930 \u092d\u093e\u0930\u0924\u0940\u092f \u092e\u0939\u093f\u0932\u093e\u0913\u0902 \u0915\u0940 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0926\u092e \u0909\u0920\u093e\u0924\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 \u0910\u0938\u093e \u0939\u0940 \u090f\u0915 \u0915\u0926\u092e \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0928\u0947 2019 \u092e\u0947\u0902 \u092c\u093e\u0932\u093f\u0915\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f &#8220;\u0938\u0941\u0915\u0928\u094d\u092f\u093e \u0938\u092e\u0943\u0926\u094d\u0927\u093f \u092f\u094b\u091c\u0928\u093e&#8221; \u0936\u0941\u0930\u0942 \u0915\u0930\u0915\u0947 \u0909\u0920\u093e\u092f\u093e \u0939\u0948\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 &#8220;\u092c\u0947\u091f\u0940 \u092c\u091a\u093e\u0913, \u092c\u0947\u091f\u0940 \u092a\u0922\u093c\u093e\u0913&#8221; \u0905\u092d\u093f\u092f\u093e\u0928 \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u0948\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":96,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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