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Sukanya Samriddhi (SSY) stuck? File one RTI

Sukanya Samriddhi Yojana account opening / withdrawal / partial closure stuck at post office or bank? File an RTI under §6(1) RTI Act 2005.

Sukanya Samriddhi (SSY) stuck? File one RTI

Social auto rti sukanya samriddhi yojana

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

  1. Government Savings Promotion Act 1873.
  2. SSY Rules 2019.
  3. CIC SSY v. DoP (2020).

Last reviewed: 24 April 2026.

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