Sukanya Samriddhi Yojana (SSY) — tax-free savings for girl child, 8.2% interest (2026)

• Girl child below age 10 (one account per girl, max two girls per family)
• Account opened by parent / legal guardian
• Account matures when girl turns 21 OR upon marriage after 18
• Indian residency required

8.2% annual interest (revised quarterly). Triple-EEE tax-exempt: contribution under Section 80C, interest accrued tax-free, maturity tax-free. Minimum Rs 250/year; maximum Rs 1.5L/year. Tenure: 21 years from opening.

1. Visit nearest India Post or authorized bank — SBI, PNB, HDFC, ICICI, Axis etc. all support.
2. Submit application + KYC — Birth certificate of girl + Aadhaar of parent + photo + Rs 250 minimum opening deposit.
3. Account active immediately — Pass book issued.
4. Annual deposits — Anytime in financial year. Minimum Rs 250 to keep active; max Rs 1.5L.
5. Withdrawal at age 18 (50%) or 21 (full) — For higher education or marriage.
6. Closure on marriage post-18 — Optional early closure on marriage.

• Birth certificate of girl
• Aadhaar of parent / guardian
• Photograph of girl
• Address proof

Account active from same day. Maturity: 21 years from opening OR girl's marriage post-18.

• Official portal: indiapost.gov.in
• Helpline: India Post: 1924

• Account inactive — no deposit for a year. Reactivate by paying Rs 50 penalty + min Rs 250.
• Maximum 2 SSY accounts per family — third girl gets account only on twin/triplet birth.
• Withdrawal denied — only on completion of 21 years OR marriage post-18 OR education at age 18 (50% withdrawal).
• Interest rate dropped — Q-rate revised quarterly; lock-in for 21 years means averaging effect.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of disbursement / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

More schemes for you: All women schemes

50% at age 18 (for higher education). Full at 21 OR on marriage post-18.

Yes if you are legal guardian. Otherwise needs parent.

Account continues to accrue interest. Withdrawal still at 21 or marriage.

Yes — deposit (80C deduction) + interest (tax-free) + maturity (tax-free). Best small-savings instrument.

• All 150 Sarkari Yojanas
• 25 status-check guides
• 30 documents-required checklists
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 10 audience-hub schemes
• 32 helplines + grievance routes
• Full RTI Playbook

• Official portal: indiapost.gov.in
• Issued by: Ministry of Finance / India Post + banks
• Launched: 2014
• Citizen feedback via %%AwaazRTI%% (composite, identifying details removed)

Last reviewed: 26 April 2026.