பொன்மகன் சேமிப்பு திட்டம் முதிர்வு தொகை கணக்கீடு (Boy Child Scheme)
About Ponmagan Semippu Thittam (பொன்மகன் சேமிப்பு திட்டம்)
The Ponmagan Semippu Thittam, popularly known as the Golden Boy Savings Scheme, is a social welfare deposit initiative launched by the Government of Tamil Nadu. Administered through designated Post Offices across Tamil Nadu and Puducherry, this long-term framework allows families to save effectively for their male child's higher education and future expenses.
Key Benefits of the Post Office Ponmagan Scheme
Low Entry Requirements: Accounts can be opened with an initial deposit of just ₹100, requiring a minimum investment of ₹500 every subsequent fiscal year.
Tax Protections: Deposits are completely eligible for income tax exemptions under Section 80C of the Income Tax Act.
How is the Maturity Calculated?
The scheme runs for a fixed tenure of 15 years. Interest is accumulated using compound interest math calculated over annualized cycles. Our ponmagan semippu thittam calculator in tamil uses standard compounding algorithms to automatically provide exact asset growth timelines without manual hassle.
Ponmagan vs Selvamagal Semippu Thittam
| Scheme Feature | Ponmagan Thittam (Boys) | Selvamagal Thittam (Girls) |
|---|---|---|
| Target Gender | Male Child | Female Child |
| Current Interest Rate | 9.7% p.a. | 8.2% p.a. |
| Maturity Period | 15 Years | 21 Years (or marriage) |