Sukanya Samriddhi Account Balance & Status Check 2026

Reviewed on: 2026-06-19.

Sukanya Samriddhi Yojana (SSY) was launched in January 2015 under the Beti Bachao Beti Padhao campaign to build a savings corpus for a girl child's education and marriage. The account is operated through India Post offices and authorised public and private sector banks. Tracking your balance, deposits, and withdrawal timing correctly can make a material difference to the final maturity amount.

Before tracing how to check balance, know the key figures that determine what your passbook should show:

• Minimum annual deposit: Rs 250 per financial year
• Maximum annual deposit: Rs 1,50,000 per financial year
• Deposit multiples: Subsequent deposits in multiples of Rs 50
• Deposit period: 15 years from the date of account opening (deposits are not required in years 16 to 21)
• Maturity period: 21 years from the date of account opening
• Current interest rate (last confirmed): 8.20 per cent per annum, compounded annually, as of 01 January 2024 to 31 March 2024. Verify the current quarter's rate on indiapost.gov.in or your authorised bank's website before making deposits.
• Interest credit: Calculated on the lowest balance between the 5th and last day of each calendar month; credited to the account at the end of the financial year
• Tax status: Triple-exempt under the IT Act, 1961 - the amount deposited qualifies for deduction under Section 80C, interest earned is tax-free, and the maturity amount is fully exempt

The Rs 1,50,000 annual ceiling is a hard statutory cap; any excess earns no interest and cannot be claimed under Section 80C.

If you opened the account at a post office, the passbook is the primary record. Carry the passbook to the counter at your branch; the clerk will update it with all entries since the last visit. There is no charge for passbook update. The updated passbook will show:

1. The date of each deposit
2. The amount deposited
3. Interest credited at end of each financial year
4. Running balance after each transaction

Keep the passbook safe as it is the principal document for partial withdrawal and maturity claims.

Post office SSY accounts linked to an IPPB account can be monitored through the IPPB mobile app. Log in with your registered mobile number, navigate to the savings schemes section, and select your SSY account. The balance shown may not include accrued interest until year-end credit. To link your post office SSY account to IPPB, visit your branch with your passbook and Aadhaar; the process is free.

If the account was opened at an authorised bank - such as State Bank of India, Punjab National Bank, Canara Bank, Bank of Baroda, or any other bank authorised under the Sukanya Samriddhi Account Rules - log in to your bank's internet banking portal or mobile app. Locate the SSY account under “Government Schemes”, “Deposits” or “Investments”. The balance shown reflects all deposits credited plus interest added at year-end.

For SBI account holders, this is available on the SBI Net Banking portal and the YONO app. Other banks offer equivalent access; check your bank's portal for the exact navigation path.

Visit the branch where the account is held, carry your passbook and a valid ID, and request a balance update or mini-statement. Bank branches must provide this service free of charge.

Deposits can be made between 1 April and 31 March of a financial year. The minimum Rs 250 must be deposited at least once in every financial year during the 15-year deposit period. If a year is missed, the account is treated as irregular. Regularising it costs Rs 50 per year of default plus the minimum deposit of Rs 250 for each defaulted year.

Interest is computed on the lowest balance between the 5th and last day of each month. Deposits credited on or before the 5th earn interest for that month; those credited after the 5th earn interest only from the next month. For large lump-sum deposits, credit before the 5th of April to maximise interest for the full year.

Once the account holder (the girl) completes 18 years of age or passes Class X, whichever is later, one partial withdrawal is permitted per financial year. The withdrawal ceiling is 50 per cent of the balance standing at the end of the preceding financial year. This facility covers higher education expenses or marriage expenses.

To apply, submit a written request to the post office or bank branch along with:

• Proof of age (birth certificate or Aadhaar)
• Admission letter or fee demand from the educational institution, or a declaration that the purpose is marriage (and the girl has attained 18)

The 50 per cent cap is calculated on the year-end balance of the preceding financial year, not on the current running balance. Check your passbook at year-end if you are planning a withdrawal.

The account matures 21 years from the date of opening. The account holder may withdraw the full corpus (15 years of deposits plus compounded interest). The account may also be closed on marriage after the girl turns 18. To claim maturity, visit the branch with the original passbook, identity and address proof, the maturity/closure application form, and proof of date of birth. Maturity proceeds are entirely tax-free.

Premature closure before 21 years is allowed only on death of the account holder, a life-threatening disease of the account holder, or death of the guardian. In such cases the full balance including interest is paid out. For any other reason, premature closure is generally not permitted; if it is allowed as a special case, interest may be revised downward to the Post Office Savings Account rate.

Aadhaar-based KYC is required for SSY accounts at both post offices and authorised banks. If your account is not yet linked, check the Aadhaar status page before visiting your branch; delays can restrict passbook updates or withdrawals.

Guardians who also hold a Jan Dhan account should ensure their KYC is current, as lapses there can affect associated government-scheme accounts. If you hold an Atal Pension Yojana account, note that APY and SSY are managed independently; a shortfall in APY contributions does not affect your SSY balance.

SSY accounts can be opened at all India Post offices and at banks notified by the Ministry of Finance under the Sukanya Samriddhi Account Rules, 2016. Authorised banks include public sector banks such as State Bank of India, Punjab National Bank, Bank of Baroda, Canara Bank and Union Bank of India, and private sector banks such as ICICI Bank, Axis Bank and HDFC Bank. Confirm your specific bank's current authorisation status with the bank or the Ministry of Finance, as the list may be updated.

Take your passbook to the post office counter (if opened at a post office) or your bank branch (if opened at a bank) and ask for a passbook update. The entry will show your running balance and all interest credits. There is no fee for this.

The rate is not fixed permanently. The Ministry of Finance revises small savings scheme rates each quarter. As of 01 January 2024 to 31 March 2024, the rate was 8.20 per cent per annum. Always verify the current quarter's rate on indiapost.gov.in or your authorised bank's website before depositing for the year.

No. The account can be opened only by the natural or legal guardian of the girl child. A niece or grandparent can open it only if they are the legal guardian (not merely a relative). Up to two accounts are permitted per family - one for each girl child - except in cases of twin or triplet births that result in a third girl.

Deposits credited on or before the 5th of any month count for that month's interest calculation. To earn interest for April (the first month of the financial year), deposit before 5 April. The financial year closes on 31 March; your deposit must reach the account before 31 March to count for that year's minimum requirement.

The account becomes irregular. Regularise it within the 15-year deposit period by paying Rs 50 per year of default as penalty plus the Rs 250 minimum for each missed year. The account continues to earn interest but cannot be operated normally until regularised.

Yes. The passbook is issued in the name of the girl child. The guardian operates the account on her behalf until she attains 18, after which she may operate it herself on submitting identity proof.

File an RTI to: the Department of Posts (for post office accounts) or the bank (for bank-held accounts); policy under the Ministry of Finance (Department of Economic Affairs).

• What is the current applicable interest rate for Sukanya Samriddhi Accounts for the financial year 2025-26 / 2026-27, and what gazette notification notified it?
• Why has no interest been credited to my SSY account (Account No: ) for the financial year ending 31 March ?
• What is the procedure for regularising an irregular Sukanya Samriddhi Account and what penalty is applicable per year of default?
• How many Sukanya Samriddhi Accounts are held at your post office / branch as on 31 March 2025, and what is the total corpus?
• What is the procedure to transfer a Sukanya Samriddhi Account from this post office / bank to another city, and what documents are required?

→ Use our free AI RTI Drafter to generate a complete Section 6(1) application.

• State Bank of India - Sukanya Samriddhi Yojana official page (authorised bank; interest rate, deposit limits, maturity rules, partial withdrawal, tax status verified here)
• India Post official website (Department of Posts; scheme operated through all post offices)

By Dr. Shrawan Kumar Pathak