Sukanya Samriddhi Yojana 2026 – Apply Online, Eligibility & Benefits

📋 Overview

Sukanya Samriddhi Yojana (SSY) is a small savings scheme launched under the Beti Bachao Beti Padhao initiative. It is designed to secure the financial future of the girl child in India. The account offers one of the highest interest rates among government savings schemes – currently 8.2% per annum for 2024–25. The scheme also provides tax benefits under Section 80C. Parents or guardians can open the account in a girl's name until she turns 10 years of age.

✅ Key Benefits

• High interest rate of 8.2% per annum (reviewed quarterly by the government)
• Minimum deposit of just ₹250 per year to keep account active
• Maximum deposit of ₹1.5 lakh per year
• Full tax exemption under Section 80C of Income Tax Act
• Account matures after 21 years from the date of opening
• Partial withdrawal of 50% allowed after girl turns 18 for education
• Two accounts allowed per family (one per girl child)

👤 Eligibility Criteria

The account can be opened by a parent or legal guardian on behalf of a girl child. The girl must be below 10 years of age at the time of account opening. Only two accounts are allowed per family – one for each girl child. In case of twins or triplets, an exception is made. The account must be opened before the girl turns 10 years old. NRI girls are not eligible for this scheme.

📄 Required Documents

• Girl child's birth certificate
• Aadhaar Card of parent or guardian
• PAN Card of parent or guardian
• Address proof (Aadhaar, passport or utility bill)
• Passport size photographs of parent and child

🚀 How to Apply

1. Visit your nearest Post Office or authorised bank (SBI, HDFC, Axis etc.)
2. Request the Sukanya Samriddhi Yojana account opening form
3. Fill in the form with girl child's details and guardian information
4. Attach the girl's birth certificate and guardian's ID proof
5. Make the minimum deposit of ₹250 (or more)
6. The account passbook is issued after verification
7. You can also link SSY account to your net banking for online deposits

❓ Frequently Asked Questions