Sukanya Samriddhi Yojana (SSY)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 09:03:45 +0000

2026/05/03 11:03	current
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	+	{{htmlmetatags>metatag-keywords=(sukanya samriddhi, ssy, girl child savings, sukanya samriddhi 2026, ssy interest rate)
	+	metatag-description=(Sukanya Samriddhi Yojana (SSY) - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated 2026 with latest amendments and case)}}

	+	====== Sukanya Samriddhi Yojana (SSY) ======
	+	{{ :social:auto:yojana-sukanya-samriddhi.png?direct&1200 }}
	+
	+	<WRAP info>
	+	8.2% tax-free interest (FY 2025-26). Triple-EEE tax exemption (deposit + interest + maturity).
	+
	+	Launched: 2014 · Issued by: Ministry of Finance / India Post + banks
	+	</WRAP>
	+
	+	===== Who is eligible =====
	+	* 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
	+
	+	===== What you get =====
	+	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.
	+
	+	===== How to apply (step-by-step) =====
	+	- Visit nearest India Post or authorized bank — SBI, PNB, HDFC, ICICI, Axis etc. all support.
	+	- Submit application + KYC — Birth certificate of girl + Aadhaar of parent + photo + Rs 250 minimum opening deposit.
	+	- Account active immediately — Pass book issued.
	+	- Annual deposits — Anytime in financial year. Minimum Rs 250 to keep active; max Rs 1.5L.
	+	- Withdrawal at age 18 (50%) or 21 (full) — For higher education or marriage.
	+	- Closure on marriage post-18 — Optional early closure on marriage.
	+
	+	===== Documents needed =====
	+	* Birth certificate of girl
	+	* Aadhaar of parent / guardian
	+	* Photograph of girl
	+	* Address proof
	+
	+	===== Timeline =====
	+	Account active from same day. Maturity: 21 years from opening OR girl's marriage post-18.
	+
	+	===== Portal + helpline =====
	+	* Official portal: [[https://indiapost.gov.in\|indiapost.gov.in]]
	+	* Helpline: India Post: 1924
	+
	+	===== Common issues =====
	+	* 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.
	+
	+	===== Benefit delayed or rejected? File an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	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.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	More schemes for you: [[:audience:women\|All women schemes]]
	+
	+	===== Frequently asked questions =====
	+	==== When can I withdraw? ====
	+	50% at age 18 (for higher education). Full at 21 OR on marriage post-18.
	+
	+	==== Can I open SSY for grand-daughter? ====
	+	Yes if you are legal guardian. Otherwise needs parent.
	+
	+	==== What if girl moves abroad? ====
	+	Account continues to accrue interest. Withdrawal still at 21 or marriage.
	+
	+	==== Tax benefits really triple EEE? ====
	+	Yes — deposit (80C deduction) + interest (tax-free) + maturity (tax-free). Best small-savings instrument.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: 8.2% tax-free interest (FY 2025-26). Triple-EEE tax exemption (deposit + interest + maturity). Apply at indiapost.gov.in. If delayed beyond timeline, file an RTI — most cases clear within 15 days.
	+
	+	* Apply now: [[https://indiapost.gov.in\|indiapost.gov.in]]
	+	* If delayed — RTI Drafter: [[:citizen-rti-playbook\|File RTI in 5 minutes]]
	+	* Browse all 150 yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:yojana:start\|All 150 Sarkari Yojanas]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:documents:start\|30 documents-required checklists]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:audience:start\|10 audience-hub schemes]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	===== Sources =====
	+	* Official portal: indiapost.gov.in
	+	* Issued by: Ministry of Finance / India Post + banks
	+	* Launched: 2014
	+	* Citizen feedback via [[https://righttoinformation.wiki/tools/awaaz-rti.html\|%%AwaazRTI%%]] (composite, identifying details removed)
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>yojana sarkari-yojana sukanya-samriddhi}}

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Sukanya Samriddhi Yojana (SSY)