PAPER ID: IJIM/Vol. 9 (XI) /March/15-25/3

AUTHOR : Sumit Manchanda[I] Dr. Shraddha Agarwal^[II]

TITLE : ENHANCING OPPORTUNITIES FOR GIRLS: A REVIEW OF SUKANYA SAMRIDDHI YOJANA’S IMPACT IN DELHI

ABSTRACT: The government of India supported Sukanya Samriddhi Yojana (SSY), a savings program, aims to secure the future of girls in the country while promoting financial inclusion. This descriptive study aims to evaluate the efficacy of the Sukanya Samriddhi Yojana (SSY). Considering factors like the number of accounts opened up in the region for 10 years (since the scheme’s inception), total amount saved, and interest rate, the study assesses the effect of SSY on the financial stability and educational prospects for girls in Delhi. The examination of surveys, interviews, and enrolment and financial records were used to gather data. The results show that families are better prepared financially, there has been a noticeable increase in the Gross Enrolment Ratio (GER) for girls in elementary and secondary schools, and there is a stronger understanding of the value of girls’ education. According to the study’s findings, SSY has successfully advanced financial inclusion and educational equity, but further steps are still required to improve outreach and deal with implementation issues.

KEYWORDS: Sukanya Samriddhi Yojana, savings, financial inclusion, educational equity.

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