Right to Information Wiki
Sukanya Samriddhi Yojana (SSY)

Sukanya Samriddhi Yojana (SSY) - verified citizen guide on RTI Wiki, India's independent Right to Information reference. Updated 2026 with latest amendments and case

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—yojana:sukanya-samriddhi [2026/05/05 04:27] (current) – created - external edit 127.0.0.1
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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 |Sukanya Samriddhi Yojana (SSY) — RTI Wiki}}
 +
 +<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}}