women childCentral Government

Sukanya Samriddhi Account Scheme

Ministry of Finance, Government of India / Department of Posts / Reserve Bank of India

Sukanya Samriddhi Account (SSA) is a government-backed small savings scheme designed to build an education and marriage fund for girl children. Accounts can be opened by parents/guardians from birth until the child turns 10, offering compounded sovereign interest, Section 80C tax benefits, and full tax exemption on maturity.

Last verified: 2026-10-22

Chandan Charitable Trust is not a government agency. It does not sanction benefits or process applications. Final eligibility, verification and sanction rest solely with the competent government authority.

How the process works

Step 1: Check eligibility
Girl child from birth up to 10 years of age, opened through parent or legal guardian. Account must be opened before the girl child completes 10 years of age. Maximum of two accounts per family (exception permitted for twins/triplets in subsequent birth). Minimum annual deposit is ₹250; maximum annual deposit is ₹1,50,000 per financial year. Deposits can be made for 15 years from account opening; account matures after 21 years.
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Step 2: Prepare documents
The official source lists the following documents.
Documents needed for this step
- Girl child birth certificate.
- Parent or legal guardian identity proof (Aadhaar / Voter ID / PAN).
- Parent or legal guardian address proof.
- PAN and Aadhaar details as per KYC norms.
- Medical certificate in case of twin/triplet multiple births.
- Initial deposit amount (minimum ₹250).
Step 3: Apply
In-person at any post office branch or authorised public/private sector bank. Step 1: Visit nearest post office or authorised commercial bank branch. Step 2: Fill prescribed Sukanya Samriddhi Account opening form. Step 3: Submit girl child birth certificate and guardian KYC documents. Step 4: Deposit initial opening amount (minimum ₹250). Step 5: Receive physical passbook containing account number and deposit details.
Step 4: Verification
KYC verification of guardian and birth certificate scrutiny by Postmaster/Bank Branch Manager.
Step 5: Sanction / decision
Decision authority, as stated by the official source: Department of Posts / Authorised Commercial Banks.
Step 6: Benefit
Government-notified compounded sovereign interest rate credited annually. Complete tax exemption (Exempt-Exempt-Exempt status under Section 80C). Partial withdrawal of up to 50% balance permitted for higher education once the girl child turns 18. Account matures after 21 years from opening date. Maturity or partial withdrawal proceeds credited directly into the girl child's savings bank account.
Step 7: If delayed or rejected
This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.
Step 8: Grievance / appeal
India Post Customer Service Helpline 1800-266-6868 and Central PG Portal https://pgportal.gov.in/

Eligibility details

Minimum age: 0 years
Maximum age: 10 years
Category: Open to all girl children regardless of community or caste.
Residency: Resident Indian girl child.

Official links

Sources

Official Government Source

Verified: 2026-10-22

India Post — Sukanya Samriddhi Account Official Rules

Disclaimer: Chandan Charitable Trust facilitates awareness of government schemes. Final eligibility, sanction, and disbursement are solely determined by the competent government authority.

Official Government Source

Verified: 2026-10-22

Department of Financial Services — Small Savings Schemes

Disclaimer: Chandan Charitable Trust facilitates awareness of government schemes. Final eligibility, sanction, and disbursement are solely determined by the competent government authority.

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Sukanya Samriddhi Account Scheme

Ministry of Finance, Government of India / Department of Posts / Reserve Bank of India

Last verified: 2026-10-22

How the process works

Step 1: Check eligibility

Girl child from birth up to 10 years of age, opened through parent or legal guardian. Account must be opened before the girl child completes 10 years of age. Maximum of two accounts per family (exception permitted for twins/triplets in subsequent birth). Minimum annual deposit is ₹250; maximum annual deposit is ₹1,50,000 per financial year. Deposits can be made for 15 years from account opening; account matures after 21 years.

Step 2: Prepare documents

The official source lists the following documents.

Documents needed for this step

Girl child birth certificate.
Parent or legal guardian identity proof (Aadhaar / Voter ID / PAN).
Parent or legal guardian address proof.
PAN and Aadhaar details as per KYC norms.
Medical certificate in case of twin/triplet multiple births.
Initial deposit amount (minimum ₹250).

Step 3: Apply

In-person at any post office branch or authorised public/private sector bank. Step 1: Visit nearest post office or authorised commercial bank branch. Step 2: Fill prescribed Sukanya Samriddhi Account opening form. Step 3: Submit girl child birth certificate and guardian KYC documents. Step 4: Deposit initial opening amount (minimum ₹250). Step 5: Receive physical passbook containing account number and deposit details.

Step 4: Verification

KYC verification of guardian and birth certificate scrutiny by Postmaster/Bank Branch Manager.

Step 5: Sanction / decision

Decision authority, as stated by the official source: Department of Posts / Authorised Commercial Banks.

Step 6: Benefit

Government-notified compounded sovereign interest rate credited annually. Complete tax exemption (Exempt-Exempt-Exempt status under Section 80C). Partial withdrawal of up to 50% balance permitted for higher education once the girl child turns 18. Account matures after 21 years from opening date. Maturity or partial withdrawal proceeds credited directly into the girl child's savings bank account.

Step 7: If delayed or rejected

This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.

Step 8: Grievance / appeal

India Post Customer Service Helpline 1800-266-6868 and Central PG Portal https://pgportal.gov.in/

Sources

Official Government Source

Verified: 2026-10-22

India Post — Sukanya Samriddhi Account Official Rules

Disclaimer: Chandan Charitable Trust facilitates awareness of government schemes. Final eligibility, sanction, and disbursement are solely determined by the competent government authority.

Official Government Source

Verified: 2026-10-22

Department of Financial Services — Small Savings Schemes

Disclaimer: Chandan Charitable Trust facilitates awareness of government schemes. Final eligibility, sanction, and disbursement are solely determined by the competent government authority.