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—rti-sukanya-samriddhi-yojana [2026/06/03 17:01] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-keywords=(sukanya samriddhi yojana, SSY RTI, post office SSY, SSY closure, SSY withdrawal, girl child savings, SSY interest)&metatag-description=(Sukanya Samriddhi Yojana account opening / withdrawal / partial closure stuck at post office or bank? File an RTI under §6(1) RTI Act 2005.)|Partial closure stuck at post office or bank}}
 +
 +
 +
 +====== Sukanya Samriddhi (SSY) stuck? File one RTI ======
 +
 +{{ :social:auto:rti-sukanya-samriddhi-yojana.webp?direct&1200 |Social auto rti sukanya samriddhi yojana}}
 +
 +<WRAP info>
 +**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.
 +</WRAP>
 +
 +===== 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 =====
 +
 +<code>
 +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]
 +</code>
 +
 +===== 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.//
 +
 +===== 🔗 Related guides =====
 +  * [[:rti-senior-citizen-savings-scheme|Senior Citizen Savings Scheme stuck? File one RTI]]
 +  * [[:rti-ppf-account-issues|PPF account stuck? File one RTI]]
 +  * [[:rti-aadhaar-update-not-reflected|Aadhaar update stuck? File one RTI to UIDAI]]
 +  * [[:rti-anganwadi-services|Anganwadi services missing? File one RTI]]
 +  * [[:rti-atal-pension-yojana|Atal Pension Yojana (APY) issue? File one RTI]]
 +
 +{{tag>sukanya-samriddhi ssy girl-child post-office bank-savings 80c citizen-rti section-6-1 government-savings-act}}
 +
 +===== Calculate your returns =====
 +
 +Estimate the maturity amount, total interest and (where applicable) monthly or quarterly income for SSY using the free [[https://righttoinformation.wiki/post-office-return-calculator|Post Office Return Calculator]]. It covers 12 small-savings schemes (NSC, KVP, MIS, PPF, SCSS, RD, Time Deposit 1/2/3/5 yr, Savings, SSY) and uses the latest notified interest rates. //No login. Educational only — verify with India Post before investing.//