Right to Information Wiki

Sukanya Samriddhi Yojana (SSY)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 09:03:45 +0000

2026/05/03 12:14	current
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	+	{{htmlmetatags>metatag-keywords=(sukanya samriddhi, ssy, girl child savings, sukanya samriddhi 2026, ssy interest rate)
	+	metatag-description=(Sukanya Samriddhi Yojana (SSY) - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated 2026 with latest amendments and case)}}

	+	====== Sukanya Samriddhi Yojana (SSY) ======
	+	{{ :social:auto:yojana-sukanya-samriddhi.png?direct&1200 }}
	+
	+	<WRAP info>
	+	8.2% tax-free interest (FY 2025-26). Triple-EEE tax exemption (deposit + interest + maturity).
	+
	+	Launched: 2014 · Issued by: Ministry of Finance / India Post + banks
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Girl child below age 10 (one account per girl, max two girls per family)
	+	* Account opened by parent / legal guardian
	+	* Account matures when girl turns 21 OR upon marriage after 18
	+	* Indian residency required
	+
	+	===== What you get =====
	+	8.2% annual interest (revised quarterly). Triple-EEE tax-exempt: contribution under Section 80C, interest accrued tax-free, maturity tax-free. Minimum Rs 250/year; maximum Rs 1.5L/year. Tenure: 21 years from opening.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit nearest India Post or authorized bank — SBI, PNB, HDFC, ICICI, Axis etc. all support.
	+	- Submit application + KYC — Birth certificate of girl + Aadhaar of parent + photo + Rs 250 minimum opening deposit.
	+	- Account active immediately — Pass book issued.
	+	- Annual deposits — Anytime in financial year. Minimum Rs 250 to keep active; max Rs 1.5L.
	+	- Withdrawal at age 18 (50%) or 21 (full) — For higher education or marriage.
	+	- Closure on marriage post-18 — Optional early closure on marriage.
	+
	+	===== Documents needed =====
	+	* Birth certificate of girl
	+	* Aadhaar of parent / guardian
	+	* Photograph of girl
	+	* Address proof
	+
	+	===== Timeline =====
	+	Account active from same day. Maturity: 21 years from opening OR girl's marriage post-18.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://indiapost.gov.in\|indiapost.gov.in]]
	+	* Helpline: India Post: 1924
	+
	+	===== Common issues =====
	+	* Account inactive — no deposit for a year. Reactivate by paying Rs 50 penalty + min Rs 250.
	+	* Maximum 2 SSY accounts per family — third girl gets account only on twin/triplet birth.
	+	* Withdrawal denied — only on completion of 21 years OR marriage post-18 OR education at age 18 (50% withdrawal).
	+	* Interest rate dropped — Q-rate revised quarterly; lock-in for 21 years means averaging effect.
	+
	+	===== Benefit delayed or rejected? File an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:women\|All women schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== When can I withdraw? ====
	+	50% at age 18 (for higher education). Full at 21 OR on marriage post-18.
	+
	+	==== Can I open SSY for grand-daughter? ====
	+	Yes if you are legal guardian. Otherwise needs parent.
	+
	+	==== What if girl moves abroad? ====
	+	Account continues to accrue interest. Withdrawal still at 21 or marriage.
	+
	+	==== Tax benefits really triple EEE? ====
	+	Yes — deposit (80C deduction) + interest (tax-free) + maturity (tax-free). Best small-savings instrument.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 8.2% tax-free interest (FY 2025-26). Triple-EEE tax exemption (deposit + interest + maturity). Apply at indiapost.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://indiapost.gov.in\|indiapost.gov.in]]
	+	* If delayed — RTI Drafter: [[:citizen-rti-playbook\|File RTI in 5 minutes]]
	+	* Browse all 150 yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All 150 Sarkari Yojanas]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:audience:start\|10 audience-hub schemes]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	===== Sources =====
	+	* Official portal: indiapost.gov.in
	+	* Issued by: Ministry of Finance / India Post + banks
	+	* Launched: 2014
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana sukanya-samriddhi}}

PMAY-Urban (PMAY-U 2.0) — interest subsidy on home loan up to Rs 6L

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 12:14	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmay urban, pmay u, clss subsidy, pmay 2.0, urban housing scheme)
	+	metatag-description=(Credit-Linked Subsidy Scheme (CLSS) — 3-6.5% interest subsidy on home loan up to Rs 6 lakh for first home buyers. PMAY 2.0 launched September 2024.)
	+	}}

	+	====== PMAY-Urban (PMAY-U 2.0) — interest subsidy on home loan up to Rs 6L ======
	+	{{ :social:auto:yojana-pmay-urban.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Interest subsidy 3% to 6.5% on home loan up to Rs 6 lakh for EWS / LIG / MIG-I / MIG-II first-home buyers.
	+
	+	Launched: 2015 · Issued by: Ministry of Housing & Urban Affairs
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* First-time home buyer (no pucca house anywhere in India)
	+	* Annual income: EWS < Rs 6L · LIG Rs 6-12L · MIG-I Rs 12-18L · MIG-II Rs 18-25L
	+	* Carpet area: EWS 30 sqm · LIG 60 sqm · MIG 90/110/120 sqm
	+	* Indian citizen, age 18+
	+
	+	===== What you get =====
	+	Interest subsidy 3-6.5% on home loan up to Rs 6L (EWS/LIG), Rs 9L (MIG-I), Rs 12L (MIG-II). Subsidy capped at Rs 2.30L (EWS/LIG) / Rs 2.35L (MIG-I) / Rs 2.30L (MIG-II). Credited to your loan account, reducing EMI.
	+
	+	===== How to apply (step-by-step) =====
	+	- Verify eligibility — pmay-urban.gov.in → Beneficiary Details Viewer. Confirm income + first-home status.
	+	- Apply via bank during home loan — Banks process CLSS automatically when sanctioning home loan. Apply directly to bank.
	+	- Bank sends claim to Central Nodal Agency — NHB/HUDCO process the subsidy.
	+	- Subsidy credited to loan account — Reduces principal outstanding; EMI drops accordingly.
	+	- Track via PMAY portal — pmay-urban.gov.in → Track Your Application Status with Aadhaar.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Income certificate
	+	* First-home affidavit
	+	* Sale deed / Agreement to Sell
	+	* Bank loan sanction
	+
	+	Full document checklist: [[:documents:pmay-application\|Documents required for pmay application]]
	+
	+	===== Timeline =====
	+	90-180 days from bank submission to subsidy credit. Bank tracks through CNA dashboard.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://pmay-urban.gov.in\|pmay-urban.gov.in]]
	+	* Helpline: PMAY Urban Helpline: 011-23060484
	+	* Track status: [[:check-status:pmay-status\|How to check status]]
	+	* Step-by-step apply guide: [[:how-to-apply:pmay-housing\|How-to-apply walkthrough]]
	+
	+	===== Common issues =====
	+	* CLSS not credited despite approval — bank delay; follow up with bank or CNA via SLBC.
	+	* Income proof under-matches eligibility — submit fresh income certificate from Tehsildar.
	+	* Already owns property elsewhere — disqualifies; surrender or correct affidavit.
	+	* PMAY 1.0 vs 2.0 confusion — applications post September 2024 use PMAY 2.0 norms.
	+
	+	===== Benefit delayed or rejected? File an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:rti-for-pmay-status\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:msme-entrepreneurs\|All msme entrepreneurs schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Can I apply directly without a bank? ====
	+	No — CLSS works only via banks/HFCs taking the home loan. They are the application channel.
	+
	+	==== Subsidy taxable? ====
	+	No — exempt under Section 10(15A) of Income Tax Act.
	+
	+	==== PMAY-U closed in March 2022. What about now? ====
	+	PMAY 2.0 launched September 2024 with revised income limits + new urban poor categories.
	+
	+	==== CLSS delayed > 180 days? ====
	+	File RTI to CNA (NHB/HUDCO). Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Interest subsidy 3% to 6.5% on home loan up to Rs 6 lakh for EWS / LIG / MIG-I / MIG-II first-home buyers. Apply at pmay-urban.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://pmay-urban.gov.in\|pmay-urban.gov.in]]
	+	* Step-by-step guide: [[:how-to-apply:pmay-housing\|Apply walkthrough]]
	+	* Documents needed: [[:documents:pmay-application\|Required documents]]
	+	* Track existing application: [[:check-status:pmay-status\|Status check]]
	+	* If delayed — RTI Drafter: [[:rti-for-pmay-status\|File RTI in 5 minutes]]
	+	* Browse all 150 yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All 150 Sarkari Yojanas]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:audience:start\|10 audience-hub schemes]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	===== Sources =====
	+	* Official portal: pmay-urban.gov.in
	+	* Issued by: Ministry of Housing & Urban Affairs
	+	* Launched: 2015
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pmay-urban}}

PM Jeevan Jyoti Bima Yojana (PMJJBY)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 12:14	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pmjjby, pradhan mantri jeevan jyoti, life insurance scheme, pmjjby claim)
	+	metatag-description=(Rs 2 lakh life insurance (any cause of death) for just Rs 436/year. Auto-debit from bank account. * Indian resident, age 18-50 entry (cover till age 55) * Active.)
	+	}}

	+	====== PM Jeevan Jyoti Bima Yojana (PMJJBY) ======
	+	{{ :social:auto:yojana-pmjjby-jeevan-jyoti.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit).
	+
	+	Launched: 2015 · Issued by: Ministry of Finance
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* Indian resident, age 18-50 entry (cover till age 55)
	+	* Active savings bank account
	+	* Aadhaar (recommended)
	+	* Premium auto-debit annually
	+
	+	===== What you get =====
	+	Rs 2 lakh on death from any cause (illness, accident, natural). Premium Rs 436/year auto-debited in May. Cover continues till age 55 with annual renewal.
	+
	+	===== How to apply (step-by-step) =====
	+	- Activate at your bank — Branch or online banking.
	+	- Choose insurer + nominee — Bank is tied up with insurer (LIC / SBI Life etc.).
	+	- Premium auto-debit — Rs 436 in May each year.
	+	- Claim by family — Within 30 days of death; bank forwards documents to insurer.
	+	- Settlement in 15 days — After complete documents (death certificate, KYC, claim form).
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* Active savings account
	+	* Nominee
	+
	+	===== Timeline =====
	+	Coverage from premium debit. Claim: 15 days post-documents.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://jansuraksha.gov.in\|jansuraksha.gov.in]]
	+	* Helpline: PMJJBY: contact your bank
	+
	+	===== Common issues =====
	+	* Premium not debited — insufficient balance; cover lapses.
	+	* Claim denied within 45 days of joining — initial waiting period for non-accidental death.
	+	* Cover stops at age 55 — switch to APY for pension.
	+	* Want higher cover — combine with private term plan; PMJJBY is a baseline.
	+
	+	===== Benefit delayed or rejected? File an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of disbursement / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:unorganised-workers\|All unorganised workers schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== Death from any cause covered? ====
	+	Yes — natural, illness, accident. Suicide covered after 1 year.
	+
	+	==== What if I have multiple accounts? ====
	+	Only ONE PMJJBY per person; duplicates rejected.
	+
	+	==== Maximum age? ====
	+	Cover till age 55. Re-enrolment not possible after exit.
	+
	+	==== Premium taxable / refundable? ====
	+	Premium paid is exempt under Section 80C up to limit; non-refundable.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Rs 2 lakh life cover (any cause of death) for premium Rs 436/year (auto-debit). Apply at jansuraksha.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://jansuraksha.gov.in\|jansuraksha.gov.in]]
	+	* If delayed — RTI Drafter: [[:citizen-rti-playbook\|File RTI in 5 minutes]]
	+	* Browse all 150 yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All 150 Sarkari Yojanas]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:audience:start\|10 audience-hub schemes]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	===== Sources =====
	+	* Official portal: jansuraksha.gov.in
	+	* Issued by: Ministry of Finance
	+	* Launched: 2015
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana pmjjby-jeevan-jyoti}}