New Govt Child Scheme Turns ₹222 Monthly into Big Returns for Education & Marriage

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Make your child’s future golden by saving just ₹ 222 every month – Know the full details of this new government scheme

If you are a parent and think about how to raise money for your child’s education or marriage in the future, then this new scheme of the government can be very beneficial for you. By saving just ₹ 222 a month, you can create a good fund, which will help in fulfilling your child’s big dreams.

What is this new scheme?

The central government has launched a new savings scheme in the year 2025, which is specially designed to secure the future of children. Common people can also easily understand and adopt this scheme and create a big fund for their children. The government has designed it in such a way that even poor and middle class families can save a little bit and deposit good money in the long term.

This scheme is completely government, that is, your money is safe in it and you get fixed guaranteed interest. The special thing about this is that investment can be started with a very small amount – just ₹ 222 per month.

Who is this scheme for?

This scheme is for those families whose annual income is less than ₹ 5 lakh. That is, if you come from the low or middle income group, then you can take advantage of this scheme.

There are some special things in it which make it even more special:

  • This scheme is available for children below 10 years of age.
  • Both boys and girls can be included in it.
  • People from both rural and urban areas can participate in it.
  • Investment in it can start from just ₹ 222 per month.

Big benefit from small investment – ​​how?

Now let’s talk about how much return you can get if you deposit ₹ 222 every month.

Suppose you deposit ₹ 222 per month continuously for 18 years.

Total deposit = ₹222 × 12 months × 18 years = ₹47,952

Assume you get 8% interest compounded yearly.

So on maturity, you can get around ₹95,000 to ₹1,10,000.

Now imagine, ₹222 per month means saving just ₹7.5 a day – which is probably the cost of a samosa or tea – and such a good amount of money after 18 years!

Where will this money be used?

The fund generated from this scheme can be used for the needs of the children, such as:

  • Higher education: Whether it is engineering, medical or studying abroad – this money will be useful for all these.
  • Marriage: Marriage is a big expense in India. This money can be very useful at that time.
  • Professional courses: Like diploma, technical course, skill development – ​​you will also get help in these.
  • Mortgage for loan: You can also show this money as security to take an education loan.

Important features of the scheme

  • Government scheme – means the money is completely safe, there is no risk.
  • Interest tax free – The interest received will be tax free under section 80C of the Income Tax Act.
  • Account transfer across the country – If you change the city, the account can be transferred to any post office or bank.
  • Fast withdrawal facility – When the child turns 18, some money can be withdrawn.
  • No penalty – If you are unable to deposit money in any month, then there is no need to panic. You can start again within a fixed grace period.

How to apply?

It is also very easy to avail the benefits of this scheme. For this you do not need any big agent or broker.

All you have to do is:

  1. Go to the nearest post office or government bank
  2. Where this scheme is available (like State Bank of India, Punjab National Bank etc.).

Carry the required documents:

  • Child’s birth certificate
  • Parent/guardian’s Aadhaar card and PAN card
  • Income certificate (if applicable)
  1. Fill the “Child Education & Marriage Benefit Scheme” form

You will find the form there by filling which you can open the account.

  1. Deposit the first installment and get the passbook

You can activate the account by depositing ₹222 or more as the first installment. Along with this, you will also get a passbook or digital tracking ID.

Online application is also possible

If you want, you can also apply online by visiting the government website india.gov.in or the website of the concerned bank/post office.

What if you stop in the scheme midway?

Suppose due to some reason you are not able to deposit money for a few months – then there is nothing to worry. In this scheme, you get a grace period (say 2-3 months). You can restart and continue the scheme.

If you are not able to deposit for a long time, the account becomes dormant. But later you can restart it by paying some penalty.

Understand with a real example

Ramlal, who is a tailor and earns barely ₹10,000 per month, came to know about this scheme from his village post office. He thought that saving ₹222 is possible for him too. He opened this account in the name of his 5-year-old daughter.

Now every month he is depositing ₹222 regularly. He knows that when his daughter turns 23, he will have a sum of about ₹1 lakh for her – which will be very useful for her education or marriage.

Final Words – Why is this scheme necessary?

In today’s time when everything from school fees to marriage expenses is increasing rapidly, saving a little money in time is the wisest decision.

It is easy to spend ₹222 every month – but saving and investing it can prove to be a gift for children.

This scheme is completely safe – no market risk.

You are getting good interest as well – and tax exemption too.

So why not take the first step today?

Securing your child’s future is both your right and responsibility.

This initiative of the government will help in building a better India

This is a small but strong step in the direction of freedom. Now you don’t have to worry about big expenses to fullfill the big dreams of children – just ₹ 222 per month and you will have a golden future in your hands.

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