{"id":14656,"date":"2025-09-22T11:04:45","date_gmt":"2025-09-22T11:04:45","guid":{"rendered":"https:\/\/tezgyan.com\/index.php\/2025\/09\/22\/just-married-these-government-schemes-can-help-you-secure-finances-lifestyle-news\/"},"modified":"2025-09-22T11:04:45","modified_gmt":"2025-09-22T11:04:45","slug":"just-married-these-government-schemes-can-help-you-secure-finances-lifestyle-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/09\/22\/just-married-these-government-schemes-can-help-you-secure-finances-lifestyle-news\/","title":{"rendered":"Just Married? These Government Schemes Can Help You Secure Finances | Lifestyle News"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div id=\"story-9589168\">\n<p><span class=\"jsx-395e0e0beb19cb6e jsx-4143937483\">Last Updated:<\/span><time class=\"jsx-395e0e0beb19cb6e jsx-4143937483\">September 22, 2025, 16:26 IST<\/time><\/p>\n<h2 id=\"asubttl-9589168\" class=\"jsx-c9f81425ec968c48 jsx-2440812572 asubttl-schema\">Owning a home is a dream for many newlyweds, and PMAY makes it more affordable. Imagine lowering your home-loan cost by a few lakhs right at the start of your marriage.<\/h2>\n<div class=\"jsx-cc1b15cf85effb8b artsharwrp\"><a href=\"https:\/\/news18.co\/gnps-en-btn\" target=\"_blank\" class=\"jsx-91f4da8d48c13a79 gglebtn bgylw\"\/><\/p>\n<div id=\"artshare\" class=\"jsx-cc1b15cf85effb8b artshare\">\n<div class=\"jsx-cc1b15cf85effb8b stickdiv\">\n<div class=\"jsx-cc1b15cf85effb8b deskwrapstkdiv\">\n<div class=\"jsx-cc1b15cf85effb8b fontchange\"><img decoding=\"async\" src=\"https:\/\/images.news18.com\/dlxczavtqcctuei\/news18\/static\/images\/english\/font.svg\" height=\"30px\" width=\"30px\" alt=\"font\" title=\"font\" class=\"jsx-cc1b15cf85effb8b lazyload\"\/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<figure class=\"jsx-c9f81425ec968c48 jsx-2440812572 amimg\"><img decoding=\"async\" alt=\"These schemes create a roadmap from newlywed dreams to long-term security (Image: Representative)\" title=\"These schemes create a roadmap from newlywed dreams to long-term security (Image: Representative)\" src=\"https:\/\/images.news18.com\/ibnlive\/uploads\/2021\/07\/1627283897_news18_logo-1200x800.jpg?impolicy=website&amp;width=400&amp;height=225\" loading=\"eager\" fetchpriority=\"high\" class=\"jsx-c9f81425ec968c48 jsx-2440812572\"\/><\/p>\n<p>These schemes create a roadmap from newlywed dreams to long-term security (Image: Representative)<\/p>\n<\/figure>\n<p id=\"0\" class=\"story_para_0\">Marriage often sparks big financial plans \u2013 buying a home, starting a family, and setting aside money for the future. To help couples move confidently through these milestones, the Indian government offers several programs that mix tax savings, interest subsidies, and long-term investment opportunities.<\/p>\n<p id=\"1\" class=\"story_para_1\">Here\u2019s a guide that blends a quick read with practical detail so you can see how each scheme fits into your life.<\/p>\n<ol>\n<li><strong> Pradhan Mantri Awas Yojana (PMAY): Your First Home Made Easier<\/strong><\/li>\n<\/ol>\n<p id=\"3\" class=\"story_para_3\">Owning a home is a dream for many newlyweds, and PMAY makes it more affordable. Imagine lowering your home-loan cost by a few lakhs right at the start of your marriage.<\/p>\n<ul class=\"listOncontentArticleUL\">\n<li>Home-loan interest subsidy of up to Rs2.67 lakh for first-time buyers.<\/li>\n<li>Families with a combined annual income of less than Rs18 lakh can apply.<\/li>\n<li>Applications can be made through banks or at pmaymis.gov.in.<\/li>\n<\/ul>\n<p id=\"5\" class=\"story_para_5\">This support means smaller EMIs and faster stability for couples eager to build their nest.<\/p>\n<ol start=\"2\">\n<li><strong> Sukanya Samriddhi Yojana (SSY): Investing in a Daughter\u2019s Future<\/strong><\/li>\n<\/ol>\n<p id=\"7\" class=\"story_para_7\">For couples planning children, especially those hoping to secure their daughter\u2019s education and wedding costs \u2013 SSY is a disciplined, high-return savings plan.<\/p>\n<ul class=\"listOncontentArticleUL\">\n<li>Interest rate of about 8.2%, higher than most bank deposits.<\/li>\n<li>Annual deposits can range from Rs250 to Rs1.5 lakh.<\/li>\n<li>Open the account at a post office or authorized bank with the child\u2019s birth certificate and parents\u2019 IDs.<\/li>\n<\/ul>\n<p id=\"9\" class=\"story_para_9\">SSY not only protects a girl child\u2019s future but also offers valuable tax benefits under Section 80C.<\/p>\n<ol start=\"3\">\n<li><strong> Prasooti Neravu Yojana: Financial Help During Pregnancy<\/strong><\/li>\n<\/ol>\n<p id=\"11\" class=\"story_para_11\">Pregnancy brings joy and expenses. This scheme provides a safety net for expectant mothers from low-income families.<\/p>\n<ul class=\"listOncontentArticleUL\">\n<li>Assistance ranges from Rs700 to Rs1,400.<\/li>\n<li>Open to women holding BPL ration cards or belonging to SC\/ST communities.<\/li>\n<li>Registration is simple through a government hospital or an ASHA worker.<\/li>\n<\/ul>\n<p id=\"13\" class=\"story_para_13\">This program ensures that essential health needs are met when family income is tight.<\/p>\n<ol start=\"4\">\n<li><strong> Maternity and Paternity Leave: Paid Time with Your Newborn<\/strong><\/li>\n<\/ol>\n<p id=\"15\" class=\"story_para_15\">The early days with a baby are priceless, and the government has ensured some breathing room for working parents.<\/p>\n<ul class=\"listOncontentArticleUL\">\n<li>Women can take up to 26 weeks of paid maternity leave in the organized sector.<\/li>\n<li>Men in many private firms and central government jobs can avail about 15 days of paternity leave.<\/li>\n<li>Apply through your employer with a medical certificate and leave request.<\/li>\n<\/ul>\n<p id=\"17\" class=\"story_para_17\">These benefits allow parents to focus on bonding and recovery without worrying about lost wages.<\/p>\n<ol start=\"5\">\n<li><strong> National Pension System (NPS): Building a Retirement Corpus<\/strong><\/li>\n<\/ol>\n<p id=\"19\" class=\"story_para_19\">Retirement may feel far away, but early planning pays off. NPS is designed for couples who want steady income later in life.<\/p>\n<ul class=\"listOncontentArticleUL\">\n<li>Tax deduction of up to Rs50,000 under Section 80CCD(1B), in addition to the Rs1.5 lakh limit of Section 80C.<\/li>\n<li>Market-linked returns averaging around 8% over time.<\/li>\n<li>Accounts can be opened online at enps.nsdl.com or through a bank.<\/li>\n<\/ul>\n<p id=\"21\" class=\"story_para_21\">Regular contributions now mean financial comfort when you eventually stop working.<\/p>\n<p id=\"22\" class=\"story_para_22\"><strong>Planning Your Financial Journey Together<\/strong><\/p>\n<p id=\"23\" class=\"story_para_23\">These schemes create a roadmap from newlywed dreams to long-term security.<\/p>\n<ul class=\"listOncontentArticleUL\">\n<li>Start with PMAY to own a home with lower EMIs.<\/li>\n<li>Use SSY to invest in a child\u2019s education and marriage needs.<\/li>\n<li>Lean on maternity and paternity benefits when your family grows.<\/li>\n<li>Keep NPS in mind so retirement is worry-free.<\/li>\n<\/ul>\n<p id=\"25\" class=\"story_para_25\">By blending careful planning with these government programs, married couples can protect their finances at every stage, turning early dreams into lasting stability and independence.<\/p>\n<div class=\"jsx-95088aad1b3c53cd atawrap\">\n<div class=\"jsx-95088aad1b3c53cd atadetailwrp\">\n<div class=\"jsx-95088aad1b3c53cd ataname\"><span class=\"jsx-95088aad1b3c53cd atthumb\"><\/p>\n<figure class=\"jsx-95088aad1b3c53cd\"><img decoding=\"async\" alt=\"News Desk\" title=\"News Desk\" src=\"data:image\/jpeg;base64,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\" class=\"jsx-95088aad1b3c53cd\"\/><\/figure>\n<p><\/span><\/p>\n<div class=\"jsx-95088aad1b3c53cd attitle\"><a href=\"https:\/\/www.news18.com\/byline\/news-desk-17918.html\" class=\"jsx-95088aad1b3c53cd atamail\">News Desk<\/a><\/p>\n<p>The News Desk is a team of passionate editors and writers who break and analyse the most important events unfolding in India and abroad. From live updates to exclusive reports to in-depth explainers, the Desk d&#8230;<span class=\"jsx-95088aad1b3c53cd aurpdebtn\">Read More<\/span><\/p>\n<\/div>\n<\/div>\n<p>The News Desk is a team of passionate editors and writers who break and analyse the most important events unfolding in India and abroad. From live updates to exclusive reports to in-depth explainers, the Desk d&#8230;<!-- --> <span class=\"jsx-95088aad1b3c53cd aurpdebtn\">Read More<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"jsx-c9f81425ec968c48 jsx-2440812572 artcta\"><a href=\"https:\/\/news18.co\/gnps-en\" target=\"_blank\" rel=\"noopener\">Click here<\/a> to add News18 as your preferred news source on Google. News18 Lifestyle section brings you the latest on <a href=\"https:\/\/www.news18.com\/lifestyle\/health-and-fitness\/\">health<\/a>,\u00a0<a href=\"https:\/\/www.news18.com\/topics\/fashion\/\">fashion<\/a>,\u00a0<a href=\"https:\/\/www.news18.com\/lifestyle\/travel\/\">travel<\/a>,\u00a0<a href=\"https:\/\/www.news18.com\/lifestyle\/food\/\">food<\/a>, wellness tips, celebrity style, travel inspiration and recipes. Also\u00a0Download the\u00a0<a href=\"https:\/\/onelink.to\/eng-article-eop\">News18 App<\/a> to stay updated.<\/div>\n<div class=\"jsx-c9f81425ec968c48 jsx-2440812572 atbtlink fp\"><span>First Published:<\/span><\/p>\n<div class=\"rs\">\n<p>September 22, 2025, 16:26 IST<\/p>\n<\/div>\n<\/div>\n<div class=\"jsx-c9f81425ec968c48 jsx-2440812572 brdcrmb\"><a href=\"https:\/\/www.news18.com\/\">News<\/a>  <a href=\"https:\/\/www.news18.com\/lifestyle\/\">lifestyle<\/a>  <span class=\"brdout\"> Just Married? These Government Schemes Can Help You Secure Finances<\/span><\/div>\n<div id=\"coral-wrap\" class=\"jsx-ba4d8f086a12294f \">\n<div class=\"jsx-ba4d8f086a12294f coral-cont\">\n<div class=\"jsx-ba4d8f086a12294f coltoptxt\">Disclaimer: Comments reflect users\u2019 views, not News18\u2019s. Please keep discussions respectful and constructive. Abusive, defamatory, or illegal comments will be removed. News18 may disable any comment at its discretion. By posting, you agree to our <a href=\"https:\/\/www.news18.com\/disclaimer\/\" class=\"jsx-ba4d8f086a12294f\">Terms of Use<\/a> and <a href=\"https:\/\/www.news18.com\/privacy_policy\/\" class=\"jsx-ba4d8f086a12294f\">Privacy Policy<\/a>.<\/div>\n<\/div>\n<\/div>\n<section class=\"jsx-f009a7098529061c qrsect\">\n<div style=\"display:none\" class=\"jsx-f009a7098529061c paywall\">\n<ol>\n<li><strong> Pradhan Mantri Awas Yojana (PMAY): Your First Home Made Easier<\/strong><\/li>\n<\/ol>\n<p>Owning a home is a dream for many newlyweds, and PMAY makes it more affordable. Imagine lowering your home-loan cost by a few lakhs right at the start of your marriage.<\/p>\n<ul>\n<li>Home-loan interest subsidy of up to Rs2.67 lakh for first-time buyers.<\/li>\n<li>Families with a combined annual income of less than Rs18 lakh can apply.<\/li>\n<li>Applications can be made through banks or at pmaymis.gov.in.<\/li>\n<\/ul>\n<p>This support means smaller EMIs and faster stability for couples eager to build their nest.<\/p>\n<ol start=\"2\">\n<li><strong> Sukanya Samriddhi Yojana (SSY): Investing in a Daughter\u2019s Future<\/strong><\/li>\n<\/ol>\n<p>For couples planning children, especially those hoping to secure their daughter\u2019s education and wedding costs \u2013 SSY is a disciplined, high-return savings plan.<\/p>\n<ul>\n<li>Interest rate of about 8.2%, higher than most bank deposits.<\/li>\n<li>Annual deposits can range from Rs250 to Rs1.5 lakh.<\/li>\n<li>Open the account at a post office or authorized bank with the child\u2019s birth certificate and parents\u2019 IDs.<\/li>\n<\/ul>\n<p>SSY not only protects a girl child\u2019s future but also offers valuable tax benefits under Section 80C.<\/p>\n<ol start=\"3\">\n<li><strong> Prasooti Neravu Yojana: Financial Help During Pregnancy<\/strong><\/li>\n<\/ol>\n<p>Pregnancy brings joy and expenses. This scheme provides a safety net for expectant mothers from low-income families.<\/p>\n<ul>\n<li>Assistance ranges from Rs700 to Rs1,400.<\/li>\n<li>Open to women holding BPL ration cards or belonging to SC\/ST communities.<\/li>\n<li>Registration is simple through a government hospital or an ASHA worker.<\/li>\n<\/ul>\n<p>This program ensures that essential health needs are met when family income is tight.<\/p>\n<ol start=\"4\">\n<li><strong> Maternity and Paternity Leave: Paid Time with Your Newborn<\/strong><\/li>\n<\/ol>\n<p>The early days with a baby are priceless, and the government has ensured some breathing room for working parents.<\/p>\n<ul>\n<li>Women can take up to 26 weeks of paid maternity leave in the organized sector.<\/li>\n<li>Men in many private firms and central government jobs can avail about 15 days of paternity leave.<\/li>\n<li>Apply through your employer with a medical certificate and leave request.<\/li>\n<\/ul>\n<p>These benefits allow parents to focus on bonding and recovery without worrying about lost wages.<\/p>\n<ol start=\"5\">\n<li><strong> National Pension System (NPS): Building a Retirement Corpus<\/strong><\/li>\n<\/ol>\n<p>Retirement may feel far away, but early planning pays off. NPS is designed for couples who want steady income later in life.<\/p>\n<ul>\n<li>Tax deduction of up to Rs50,000 under Section 80CCD(1B), in addition to the Rs1.5 lakh limit of Section 80C.<\/li>\n<li>Market-linked returns averaging around 8% over time.<\/li>\n<li>Accounts can be opened online at enps.nsdl.com or through a bank.<\/li>\n<\/ul>\n<p>Regular contributions now mean financial comfort when you eventually stop working.<\/p>\n<p><strong>Planning Your Financial Journey Together<\/strong><\/p>\n<p>These schemes create a roadmap from newlywed dreams to long-term security.<\/p>\n<ul>\n<li>Start with PMAY to own a home with lower EMIs.<\/li>\n<li>Use SSY to invest in a child\u2019s education and marriage needs.<\/li>\n<li>Lean on maternity and paternity benefits when your family grows.<\/li>\n<li>Keep NPS in mind so retirement is worry-free.<\/li>\n<\/ul>\n<p>By blending careful planning with these government programs, married couples can protect their finances at every stage, turning early dreams into lasting stability and independence.<\/p>\n<\/div>\n<div class=\"jsx-f009a7098529061c qrcnt\">\n<div class=\"jsx-f009a7098529061c qrimg\"><img decoding=\"async\" src=\"https:\/\/images.news18.com\/dlxczavtqcctuei\/news18\/static\/images\/english\/goldenicon.svg\" alt=\"img\" class=\"jsx-f009a7098529061c prziccne\"\/><\/div>\n<p class=\"jsx-f009a7098529061c qrtxt\">Scan the QR code to download the News18 app and enjoy a seamless news experience anytime, anywhere<\/p>\n<\/div>\n<\/section>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.news18.com\/lifestyle\/just-married-these-government-schemes-can-help-you-secure-finances-skn-ws-l-9589168.html\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last Updated:September 22, 2025, 16:26 IST Owning a home is a dream for many newlyweds, and PMAY makes it more affordable. Imagine lowering your home-loan cost by a few lakhs right at the start of your marriage. These schemes create a roadmap from newlywed dreams to long-term security (Image: Representative) Marriage often sparks big financial&#8230;<\/p>\n","protected":false},"author":1,"featured_media":14657,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-14656","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/14656","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=14656"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/14656\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/14657"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=14656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=14656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=14656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}