Post Office Grama Sumangala Yojana Full Details 2025 – ₹190 Investment Plan Explained
The Post Office Grama Sumangala Yojana is one of the government-backed small savings schemes aimed at providing financial security for the girl child in rural and semi-urban areas. The scheme allows parents to invest small amounts every month — starting from ₹190 — and receive a large maturity amount after a specific period. It is designed to encourage savings habits among families and support girls’ education and marriage expenses in the future.
Overview of Grama Sumangala Yojana
The Grama Sumangala Yojana is a combination of social and financial support provided through post offices under the Ministry of Communications, Government of India. It works similarly to the Sukanya Samriddhi Yojana, but the investment amount is more flexible and affordable for low-income families.
This plan is mainly implemented through the Post Office Monthly Savings and Recurring Deposit (RD) model or similar small deposit accounts.
- Investment amount: Starts from ₹190 per month.
- Tenure: 10 years to 21 years depending on the plan chosen.
- Beneficiary: Girl child under 10 years of age.
- Type: Savings and benefit-based scheme through the post office.
- Interest: Around 7.5% to 8.2% annually (subject to government updates every quarter).
- Compounding: Yearly compounding for better returns.
- Account type: Single account per girl child (maximum two girl children per family).
Returns on ₹190 Investment
If a family invests ₹190 every month for 10 years, here’s an approximate return calculation based on 8% annual compound interest:
| Duration | Monthly Deposit | Total Investment | Approx. Maturity Amount |
|---|---|---|---|
| 10 years | ₹190 | ₹22,800 | ₹34,000 – ₹36,500 |
| 15 years | ₹190 | ₹34,200 | ₹60,000 – ₹62,500 |
| 21 years | ₹190 | ₹47,880 | ₹95,000 – ₹1,05,000 |
Note: Returns depend on the exact interest rate at the time of investment and compounding frequency.
Eligibility Criteria
- The applicant must be an Indian citizen residing in a rural or semi-rural area.
- The account can be opened for a girl child below 10 years.
- Only two girl children per family are eligible.
- Parents or guardians must provide valid KYC documents and birth certificate of the child.
Required Documents
To open a Grama Sumangala account at the post office, the following documents are needed:
- Birth certificate of the girl child.
- Aadhaar card of parents/guardian.
- Ration card or proof of residence.
- Passport-sized photographs (2 copies).
- Initial deposit slip for ₹190 or more.
- Declaration form stating that the girl is the first or second child.
How to Apply
- Visit the nearest Post Office branch offering small savings schemes.
- Ask for the Grama Sumangala Yojana or Sukanya Samriddhi Account form.
- Fill in all details including guardian information and attach documents.
- Submit the form along with the first deposit (₹190 minimum).
- The Post Office officer will verify details and provide an account passbook.
- Monthly or yearly deposits can be made by cash, cheque, or online mode through India Post Payments Bank (IPPB).
Benefits of the Scheme
- Secure and government-backed: Safe savings with guaranteed returns.
- Affordable: Anyone can start with just ₹190 per month.
- Tax benefits: Investments are eligible for deduction under Section 80C of the Income Tax Act.
- Girl child empowerment: Helps in funding education and marriage-related expenses.
- Flexible withdrawal: Partial withdrawals allowed after 15 years for higher education.
Example Calculation
Suppose you start investing ₹190 monthly when your daughter is 1 year old and continue till she turns 21.
At an interest rate of 8%, your ₹47,880 total investment could grow to around ₹1 lakh, which can be used for her college admission or marriage expenses.
This makes it an excellent long-term plan for middle- and low-income families who want to build a secure financial future for their daughters.
Important Notes
- If you miss any monthly deposit, you can pay later with a small penalty.
- Account can be transferred from one post office to another anywhere in India.
- In case of unfortunate death of the depositor, the nominee or guardian will receive the full maturity value.
Grama sumangala Link
The Post Office Grama Sumangala Yojana is an ideal small savings scheme for rural families who want to secure their daughter’s future through disciplined monthly savings. With a small investment of just ₹190, you can expect close to ₹1 lakh after 21 years — fully backed by the Government of India.
It is simple to apply, safe, and designed to promote long-term financial security for the girl child in every Indian household.