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.

sukanya-samriddhi, ssy, girl-child, post-office, bank-savings, 80c, citizen-rti, section-6-1, government-savings-act

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