Learn how the central government’s new child savings scheme turns just ₹222/month into a large fund for your child’s education or marriage. Check eligibility, benefits, and how to apply now.
Government Launches Life-Changing Scheme for Children’s Future: The central government has introduced a new child-centric savings scheme in 2025 that is already gaining attention nationwide. With a monthly deposit as low as ₹222, parents can now secure their child’s future especially for crucial milestones like higher education and marriage through guaranteed returns.
This initiative is designed to encourage financial planning among low and middle-income families, making long-term savings affordable and impactful.
What Is This Scheme All About?
The scheme is an extension of government-backed instruments like Sukanya Samriddhi Yojana (for girls) and Public Provident Fund (PPF), but with lower entry barriers and a flexible deposit plan. It is open to:
- Children below the age of 10
- Both boys and girls
- Families with income below ₹5 lakh per annum
- Rural and urban residents
Deposits start from just ₹222 per month (₹2,664 annually), and the maturity period can be up to 18 or 21 years, depending on the chosen plan.
What Will You Get in Return?
By saving ₹222/month consistently, here’s what you could accumulate:
- At 8% annual interest (compounded yearly)
- ₹222 x 12 x 18 years = ₹47,952 contributed
- Maturity value = ₹95,000–₹1,10,000 approximately
This fund can be used for:
- Higher education (college, professional degrees)
- Marriage expenses
- Vocational training or overseas studies
- As collateral for student loans
Key Features of the Scheme
- Government-backed with guaranteed returns
- Tax-free interest under Section 80C
- Account can be transferred across India
- Partial withdrawal option available after the child turns 18
- No penalty for missed months (with grace period)
How to Apply
- Visit your nearest Post Office or nationalized bank
- Carry documents like:
- Child’s birth certificate
- Aadhaar and PAN of parent/guardian
- Income certificate (if applicable)
- Fill out the account opening form under the “Child Education & Marriage Benefit Scheme”
- Make the first deposit and get your passbook or digital tracking ID
You can also visit official websites like india.gov.in or the bank/post office portal for online application options.
Final Words
This ₹222 monthly child investment scheme is not just a saving tool it’s a financial safety net that empowers families to plan ahead without financial strain. With inflation eating into education and marriage budgets, this government plan provides a secure, tax-free, and guaranteed return path for your child’s future.
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