Sukanya Samriddhi Yojana Scheme is a small savings scheme notified by the Government of India, exclusively for girl children. The objective is to encourage parents to start saving early so that a girl’s education and life goals are never limited due to financial constraints.
Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme designed to secure the education and future financial needs of the girl child in India. Launched under the Beti Bachao, Beti Padhao initiative, the scheme has emerged as one of the most trusted long-term investment options for parents.
With a high interest rate of 8.2% (2026) and full government security, SSY continues to attract crores of families across the country.
Sukanya Samriddhi Yojana scheme 2026
| Particulars | Details |
|---|---|
| Scheme Name | Sukanya Samriddhi Yojana (SSY) |
| Launch Date | 22 January 2015 |
| Current Interest Rate | 8.2% per annum |
| Total Accounts Opened | Over 4.53 crore |
| Total Deposits | ₹3.33 lakh crore (as of December 2025) |
| Government Backing | Fully backed by the Government of India |
| Purpose of Scheme | Financial security for girl child |
| Ideal Usage | Education and marriage expenses |
Who Can Open a Sukanya Samriddhi yojana scheme Account?
A Sukanya Samriddhi account can be opened under the following conditions:
| Category | Details |
|---|---|
| Eligible Beneficiary | The account is opened only for a girl child |
| Age Limit | The girl child must be below 10 years of age at the time of account opening |
| Who Can Open the Account | Parents or legal guardians of the girl child |
| Number of Accounts per Girl | Only one SSY account is allowed per girl child |
| Maximum Accounts per Family | A family can open accounts for maximum two girl children |
| Special Provision | More than two accounts are allowed in cases of twins or triplets, subject to valid proof |
| Account Opening Location | Account can be opened at any India Post Office |
| Authorized Banks | Account can also be opened at authorized public and private sector banks |
Sukanya Samriddhi Yojana scheme Eligibility Criteria
1. The account can be opened only for a girl child
2. The girl child must be below 10 years of age at the time of account opening
3. The girl child must be an Indian resident
4. Parents or legal guardians can open the account
5. Only one SSY account per girl child is allowed
6. A family can open accounts for maximum two girl children
Documents Required to Open SSY Account
1. Sukanya Samriddhi Account Opening Form
2. Birth Certificate of the girl child
3. Aadhaar Card
4. PAN Card or Form 60
Sukanya Samriddhi Yojana Deposit Rules
Minimum and Maximum Deposit
Minimum deposit: ₹250 per financial year
Maximum deposit: ₹1.5 lakh per financial year
Deposits are allowed for 15 years from the date of opening
How Is Interest Calculated in SSY?
Interest is calculated monthly
Interest is credited annually
Interest continues even if the account is transferred
Rates are reviewed quarterly by the Ministry of Finance
Why Sukanya Samriddhi Yojana Is a Smart Investment
High interest rate compared to other savings schemes
Zero risk with government guarantee
Flexible deposit options
Designed specifically for girl child empowerment
Encourages disciplined long-term savings
Supports education and financial independence
FAQ : Sukanya Samriddhi Yojana scheme
Q1. What is Sukanya Samriddhi Yojana?
ANS. Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme launched under the Beti Bachao, Beti Padhao initiative to secure the financial future of girl children in India.
Q2. Who can open a Sukanya Samriddhi Yojana account?
ANS. A Sukanya Samriddhi account can be opened by the parents or legal guardians of a girl child.
Q3. How many SSY accounts can a family open?
ANS. A family can open SSY accounts for a maximum of two girl children. In special cases like twins or triplets, more accounts are allowed with valid proof.
Q4. Where can a Sukanya Samriddhi account be opened?
ANS. The account can be opened at any India Post Office or at authorized public and private sector banks.
Q5. Is Sukanya Samriddhi Yojana tax-free?
ANS. Yes. Investments qualify for tax deduction under Section 80C, and both interest and maturity amount are completely tax-free.
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