Central SchemeAll IndiaWomen Empowerment & Welfare

Last Updated: 10 Oct 2026 Official Source

Sukanya Samriddhi Yojana (SSY)

High-yield government small savings scheme for girl child with 8.2% p.a. tax-free interest under Beti Bachao Beti Padhao.

Ministry: Ministry of Finance (Department of Economic Affairs)

Verified Government GatewayDomain: www.indiapost.gov.in

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Scheme Overview

Sukanya Samriddhi Yojana is a government-backed small deposit scheme designed exclusively for the financial security and higher education of the girl child. Accounts can be opened in any Post Office or authorized commercial bank. It offers one of the highest sovereign-backed interest rates (currently 8.2% per annum), with full tax exemption under Section 80C and complete tax-free maturity payouts (EEE status).

Target Beneficiaries

Girl children below 10 years of age and their parents/legal guardians

Assistance / Benefit Type

Government Small Savings & Tax Relief

Key Benefits & Financial Assistance

Attractive government-guaranteed interest rate (8.2% p.a. for Oct–Dec 2026, unchanged since January 2024; compounded annually and revised quarterly).
Triple Tax Benefit (EEE): Deposits eligible for 80C deduction, interest earned is tax-free, and maturity amount is completely tax-free.
Affordable minimum deposit of only ₹250 per financial year (maximum ₹1,50,000 per year).
Partial withdrawal of up to 50% allowed after girl child turns 18 for higher education purposes.

Eligibility Criteria

Ensure you satisfy all the following government conditions before applying:

1The account can be opened by the parent or legal guardian in the name of a girl child.
2The girl child must be below 10 years of age at the time of account opening.
3Only one account can be opened per girl child.
4Maximum two accounts per family (or three in the special case of twins/triplets in the first or second birth).

Documents Required Checklist

Keep clear digital scanned copies (PDF or JPG under 200 KB) ready:

Birth Certificate of the girl child issued by municipal corporation or registrar of births

Identity Proof of parent/guardian (Aadhaar Card, PAN Card, Voter ID)

Address Proof of parent/guardian (Electricity bill, Ration card, Passport)

Passport size photographs of the guardian and the child

How to Apply (Official Process)

Obtain Application Form

Download Form-1 (Account Opening Form) from India Post portal (indiapost.gov.in) or collect it from any post office or bank branch.

Fill Account Details

Fill in the name of the girl child, birth date, details of the parent/guardian, and initial deposit amount (minimum ₹250).

Attach Proofs

Attach verified copies of the girl's birth certificate, guardian's Aadhaar card, and PAN card.

Deposit Cash/Cheque at Counter

Submit form with the initial opening deposit at any post office or authorized bank (SBI, PNB, BoB, etc.).

Collect SSY Passbook

The post office/bank will issue a designated Sukanya Samriddhi Passbook with account number and deposit ledger.

Proceed to Official Registration Portal

Frequently Asked Questions about Sukanya Samriddhi

When does a Sukanya Samriddhi Account mature?

The account matures after 21 years from the date of its opening or upon the marriage of the girl child after she turns 18 years of age.

Can I transfer the SSY account if we move to a different city?

Yes, SSY accounts are 100% portable anywhere in India between post offices and banks without any transfer fee.

Scheme Factsheet

Classification:

Central Government Scheme

Applicable Region:

All India

Target Category:

Women Empowerment & Welfare

Maximum Benefit:

₹1.5 Lakh

Application Timeline:

Accounts can be opened anytime until the girl child reaches 10 years of age. Deposits accepted for 15 years from opening date.

Verified Government Sources

Official Portal Website:https://www.indiapost.gov.in

Direct Application Link:https://www.indiapost.gov.in/Financial/Pages/Content/Sukanya-Samriddhi-Account.aspx

Official Helpline:

1800-266-6868

Official Email Support:

contact@indiapost.gov.in

Open Official Portal

Citizen Advisory

Never pay money to agents promising guaranteed approval for Sukanya Samriddhi. Government welfare registrations are strictly handled through official channels.