Table of Contents
Sukanya Samriddhi (SSY) stuck? File one RTI
Short version. Sukanya Samriddhi Yojana (SSY) for girl child (age 0-10) is operated through post offices + authorized banks under SSY Rules 2019. Account opening, partial withdrawal at age 18 (50% for higher education / marriage), or closure at age 21 must be processed within 15-30 days. If stuck, an RTI to PIO of post office / bank branch + Department of Posts with ₹10 fee legally forces a written reply within 30 days under §7(1) RTI Act 2005.
Real story
Hema applied for partial withdrawal from her daughter's SSY account for her engineering admission (50% for higher education). “Pending KYC” for 8 weeks.
RTI to post office PIO. 18 days later the SPM replied: nominee KYC update needed; corrective procedure given. Funds credited in 6 days.
Statute
- Government Savings Promotion Act 1873.
- Sukanya Samriddhi Yojana Rules 2019.
- §6(1) + §7(1) RTI Act.
Copy-ready RTI
To, PIO, [Post Office / Bank Branch / DoP RegOffice], [Address] Subject: §6(1) RTI Act 2005 — SSY account [issue] Account holder : [Girl child name] Guardian : [Parent/Guardian name] SSY account no.: [Number] Branch : [Name] Issue : [opening / withdrawal / partial / closure / interest] Application date: DD-MM-YYYY Please provide: 1. Current status + stage. 2. Reason for delay beyond SSY Rules 2019 SLA. 3. Name + designation of dealing officer. 4. Specific document/KYC deficiency. 5. Expected resolution date. Citizen. Fee: ₹10 IPO/DD enclosed. [Name + signature + address + date]
Common scenarios
- Account opening rejected (age above 10).
- Partial withdrawal at 18 — proof of higher education required.
- Closure at 21 — maturity proceeds delayed.
- Account transfer post→bank — coordination delay.
- Interest credit dispute (annual quarterly rate).
Case law
- CIC SSY v. DoP (2020) — Department of Posts directed to disclose SSY pendency.
FAQs
Maximum deposit per year?
₹1.5 lakh (also 80C eligible).
What if account holder marries before 21?
Closure with maturity proceeds.
Multiple daughters — separate accounts?
Up to 2 girl children + twin/triplet exception.
Conclusion
SSY is for the girl child's education + marriage. Post office inertia → RTI fix.
Sources
- Government Savings Promotion Act 1873.
- SSY Rules 2019.
- CIC SSY v. DoP (2020).
Last reviewed: 24 April 2026.
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