Sukanya Samriddhi A/C

Small Savings Scheme, Govt Schemes, Online Banking Guide

Sukanya Samriddhi Yojana 2017 New Rules & Amendments, Complete Guide

Hi Friends, Welcome to this site to know everything about Sukanya Samriddhi Scheme. Sukanya Samriddhi Account is a small savings scheme specially launched for girl child by honorable PM of India, Mr. Narendra Modi on 22nd January 2015 under Beti Bachao Beti padhao campaign. We have created this website to share every details, information and useful guide about this Sukanya Savings scheme.

Quick Look About Things You Should Aware of SSA Account

New Changes for Sukanya Samriddhi Account after Budget 2016

There are certain changes done in Sukanya Scheme after Budget 2016. Here are the details of such points one by one

  • Account holder name will be the person who opened the account and beneficiary will be girl child. Anyone can deposit the amount.
  • Premature Withdrawal is possible now in case of any medical emergency
  • One can also open SSA for his/her adopted daughter also
  • Only the girl with Indian citizenship can open an account.
  • The new Interest rate for 2016-17 will be 8.6%, reduced from 9.2%.
  • If you don’t pay the minimum amount to continue SSA account, then account will be considered as Account in Default‘. And if such account is not regularized within fifteen years of opening the account, then the whole deposit amount (including the deposits made prior to the date of default) shall be eligible to get Post Office Savings Bank interest rate at the time of its maturity.
  • Now one can deposit amount by online payment way also in post offices.
  • Duplicate passbook can be issued at the cost of Rs 50.
  • One can transfer SSA account to bank from post office or fro bank to post office by paying a fee opf Rs 100 easily.
  • To close a SSA account, age proof has to be submitted to prove that the girl child is not less than 18 years of age.
  • Now you can close the Sukanya account even if depositor is interned to get married.
  • In case your daughter become NRI after opening SSA account, then your account will be closed.
  • When the account complete 21 years, it will not earn any further interest.

Latest News & Updates

01st June 2016: Gujrat CM Anandiben Patel is planning to start a all-women ‘save girl child’ bike rally in Surat on June 4th 2016. The four-member of the biking club, Biking Queens, will travel more than 10,000 km in 36 days and will cover countries like Bhutan, Myanmar, Thailand, Vietnam, Malaysia and Cambodia. “The road route from Nepal to Singapore will be open for the first time. We’ll be riding on this route to set an example of gender equality,” said Dr Sarika Mehta, founder, Biking Queens.

24th May 2016: Women and Child Development Minister Maneka Gandhi recently stated that Beti Bachao, Beti Padhao scheme was successful in improving the child sex ratio. E.g. In Haryana sex ratio for girl has risen from 830 to 907 per thousand male child.

Mera Desh Badal Raha Hai, Agey Badh Raha Hai” is launched recently by Mr. Narendra Modi on completion of 2 years in center. You can watch this video below where all the Govt initiatives and achievements has been mentioned.

MEMBERS of the Assam Rifles Wives’ Welfare Association of 5-sector based at Tsiesema in Kohima district on Sunday campaigned for ‘Beti Bachao Beti Padhao’ (Save Girl Child Educate Girl Child) at Tsiese Basa village.

14th March, 2016 Special Outreach Program on 7 Flagship schemes on Swacch Bharat Abhiyan, Beti Bachao, Beti Padhao, Atal Pension Yojana, PM’S Dhan Jan Yojana, PM’s Suraksha Bima Yojana, PM’s Jeevan Jyoti Bima Yojana and Skill India Mission concludes on this Friday. Story @ arunachaltimes.in

14th March, 2016 The rise of domestic violence has been increase like anything in last few years as per the National Crime Records Bureau.A total of 2,44,270, 3,09,546, 3,37,922 cases were reported in the country under crimes against women, including domestic violence, during 2012, 2013, 2014 respectively, as per the Bureau. Full Story @ webindia123.com

14th March, 2016 The district administration honoured more than 40 women under the ‘Beti Bachao, Beti Padhao’ scheme in Mansa on Friday. Read the Complete Story @ hindustantimes.com

9th March, 2016 Ranjeet Ranjan, Congress party MP from Supaul, Bihar and wife of Pappu Yadav arrives at Parliament House on her Harley Davidson bike on the occasion of International Women’s Day in New Delhi on Tuesday. (Sonu Meht/ Hindustan Times)

9th March, 2016 Villagers decided not to give & take Dowry in an eastern UP village for ‘Simplification of rituals’ for the sake of women. This is a special step taken on the Women’s day to set some good example for the sake of our society. Full story @ indiatimes.com

7th March, 2016 More than 2.45 lakh beneficiaries have been enrolled under the Sukanya Samriddhi Account scheme in Haryana during the first year after its launch. Full Story @ webindia123.com.

7th March, 2016 Dedicated to save the girl child, women’s car rally was themed ‘Beti Bachao Bati Padhao’, starting from Sahara Star to Aamby Valley. Full Story @ indianexpress.com.

6th March, 2016 Amritsar postal department is going to organise a mega camp to open Sukanya Samridhi Account to make this International Women’s Day on March 8 a successful event. For more details visit tribuneindia.com.

6th March, 2016 President Pranab Mukherjee has praised Mr. Narendra Modi for Beti bachao Beti Padhao. President Pranab Mukherjee today while addressing a national conference of women legislators emphasised on the need to give appropriate representation to women in parliament and state legislatures. Read complete news @ IndiaToday.in

6th March, 2016 Bhartiya Lok Sangeet Kala Sansthan (BLSKS) in collaboration with Unison Cultural Troupe, Sangam Tru Art Production and ESRM staged musical play ‘Beti-Beta Ek Saman’ as part of its regular feature at Durga Bhawan, Janipur, Jammu. Full Story here @ dailyexcelsior.com.

6th March, 2016 Haryana Assembly Deputy Speaker Santosh Yadav today said that giving decision-making power to women would help usher a new era of social development in the country. Full News @ ptinews.com.

29th February, 2016 The Beti Bachao Beti Padhao budget has been enhanced from Rs 75 crore to Rs 100 crore in 2016-17. Similarly, the allocation for establishment of shelter homes for women has been increased from Rs 52 crore in 2015-16 to Rs 100 crore. Full story @ ptinews.com.

Popular FAQ on sukanya samriddhi account

 

List of banks where it can be opened?

Here is the top banks offering sukanya samriddhi account opening facility in India.

1. Allahabad Bank             15. Oriental Bank of Commerce
             2. Andhra Bank             16. Punjab National Bank
             3. Axis Bank             17. Punjab & Sind Bank
             4. Bank of Baroda             18. State Bank of India
             5. Bank of India             19. State Bank of Patiala
             6. Bank of Maharashtra             20. State Bank of Bikaner & Jaipur
             7. Canara Bank             21. State Bank of Travancore
             8. Central Bank of India             22. State Bank of Hyderabad
             9. Corporation Bank             23. State Bank of Mysore
             10. Dena Bank             24. Syndicate Bank
             11. ICICI Bank             25. UCO Bank
             12. IDBI Bank             26. Union Bank of India
             13. Indian Bank             27. United Bank of India
             14. Indian Overseas Bank             28. Vijaya Bank

Where to find Sukanya samriddhi accounts calculator online?

You can check out the excel based calculator on our website to do maturity calculation with the sukanya samriddhi account calculator free download option. But the values will not be 100% correct as the interest rate of this scheme is changing every year.

Can I open it in SBI?

Simply download application form for sukanya samriddhi account SBI and then fill it up and provide necessary documents to start your SSA account in State Bank of India.

Where to find below basic info about this SSA scheme?

Visit our SSA master article where we have updated each details like KYC details, eligibility, account closure, age limit, how to apply online, application for opening, balance online, how to open a sukanya samriddhi account in post office, gazette notification on sukanya samriddhi account, sukanya samriddhi interest rate 2016-17 in details.

Is sukanya samriddhi eligible scheme under section 80c?

SSA is not only exepted under section 80C but also an EEE scheme so far.

How to open SSA online?

Frankly speaking it is not possible 100% yet. For post offices & banks, you have to visit the location to submit the form. In fact online payment is only possible for accounts opened in banks. You can open account under sukanya samriddhi yojana online by filling the application form and the take print out to visit to post office or bank with all documents needed.

In how many languages one can Download SSA information online?

It is available in hindi, telugu, tamil, gujarati, kannada, malayalam etc.

What is the maximum amount in a year & min amount in a Year?

Max amount is Rs 1.5 lakh & min amount is Rs 1000 to keep the account activated.

How to download sukanya samriddhi deposit receipt?

In case you have deposited money online, you can use the statement. Other than that in bank & post office you may get a receipt or your passbook updated.

Is it possible sukanya samriddhi transfer from post office to bank?

Yes, but the process is like close the account in post office & then open a new account in Bank.

Any update for NRI rules or norms?

There are many speculations and assumptions about how to open SSA for NRI. In fact in this website many people have shared their knowledge on that, please take a reference for the same. We will prepare an article where we can share everything about SSA for NRI rules to make things simplified as soon as there is some full-proof information.

Any sukanya samriddhi helpline number?

You can try customer care toll-free number 1800-223-060.

Comparison with other popular investments schemes

Although there is no meaning of such comparisons as the type of investment and the goal behind them may different, but there are couple of hot comparisons with mutual fund, RD, LIC policy, fixed deposit etc.

87 Comments

Add a Comment
  1. I have opened SSY for my daughter & deposited Rs1,000 in Feb’16 by online transfer from my SBI a/c. It was successful. Today, i tried to do online transfer of Rs 1 lac from my another a/c in ICICI Bank. But it failed with the message that it is NRI a/c. Can’t I deposite 1 lac in one time ? can i deposite 10,000 ten time in a month ?

    1. I think here the problem might be the bank account. Please try to deposit from your SBI account only. Is your SSY account in SBI?

  2. I have aleady opened SSA for my daughter. We are NRI. We were not told that NRI are not eligible for SSA. I credited almost Rs/-2lakhs into this account now. What should I do now? Any suggestion. I am returning to India in 2018.

    1. Now the rules are very clear. NRI’s can’t open SSY account. Only in case their daughter is having Indian citizenship, I think its possible.

  3. Let me know there is facility to pay online payement scheme for SSA to pay fund online banking because I am out of India.Pls.let me know if it available let me know how to pay guidelines.
    Ths .Varghese.

    1. Yes, online payment is possible if you open the account in Bank via netbanking.

  4. I wanted to know that how to pay ssa online through net banking

    1. The same way you pay for PPF account money from your bank netbanking account online.

  5. I open sukanya samriddhi account,I need information

    1. please read our website carefully for all information you need.

  6. Hi Santanu,
    I am planning to open SSA for my girl child, but I have one concern related to who will be operating this account as the rule says till the girl gets to age of 10 parents can operate the account, but once she is 10, then she needs to operate the account i.e. she has whole control which I don’t want. I have seen cases where child turns against parent [there are many examples which we see in our day-to-day life] and again I am not saying or trying to offend parents with above statement. We are earning for our children and whatever money we save its for his/her only, but what will happen after 14 or 18 years no one knows. I am in 2 thoughts about opening SSA, due to mode of operation rule. Can you please provide your thoughts on mode of operation. If any parents reading my post, I am not pessimistic, just trying to think practically.
    Thanks,
    Rahul

    1. I don’t think it is so complicated. Even if the account owner name will be your girls, but think as a parent we are only controlling all expenses and other things in a family as per our culture.

  7. I have opened SSA account for my daughter for d maximum limit in May2015… But am unable to pay d last 2 instalments due to various reasons… Can I pay next month n still continue wid d a/c or will d a/c b placed in defaulters list?? Plz help…

    1. Your question is not clear.

  8. I have opened ssy in 2014-15 for my daughter DOB 21.03.2004 in the last year of scheme upto when can I deposit money and when will be maturity of scheme.

    1. You can deposit money anytime in a year. The min amount to keep the account activated is rs 1000 in a year only. And the maturity details is also updated in our website. Although as per new changes in SSY rules, one can close SSY account before maturity in case of medical emergency. Although not much sure about how will it work.

  9. Dr Neeraj Rathore

    I have transferred 2 lack rupees in this financial year in two parts 50000 and 150000 respectively by net-banking. I know maximum limit is 150000 per year…so i just want to know what will happen next ??

    money will revert back / interest not calculated / or something else

    please revert me back

    1. I think the extra money you have deposited will not be considered for interest calculation.

  10. I just opened a SSY ac in ICICI Bank (Mumbai), but not account opening letter not any passbook was issued. I was verbally given the account number. I am now hesitant to use it since I have no sighting nor trail of the SSY ac. Also no way to track it through net banking.Let me know if it is mandatory to be issued a passbook.

    1. I have to demand for the passbook. Passnook has to be given to all ssa account holder. It’s a mistake

  11. Can I transfer SSA POST office account to Listed BANK ? I went to post office and relevant person said not possible. Please do let me know as I’ll be shifting to abroad and want to do all online transaction for SSA. THANK YOU.

  12. Can we change the name of the depositor, earlier it was in my wife’s name however I want it to be changed to mine for tax purpose??

    If yes, please share the procedure..
    Thanks

    1. Please ask your bank of post office about the name change.

  13. Hallo Sir,

    My daughter is born in November 2014, I have opened SSY account in march 2015, After that my daughter came to outside India with me for more than 6 months, but from this year onwards my daughter and my wife will reside in india maximum time and they will come to me only for 5 months, and in near future we will all move to india permanenetly let say in 2-3 years. I have paid two installments, 1st is in march 2015 and the 2nd is in April 2016. Now the new rules for NRI says that NRI kids are not eligible. for my case my daughter will be not NRI from this Financial Year. Please advice how to proceed with the New rules.

    Waiting for your reply

    1. I think you can continue as the outside India stay is not more or permanent. But again the rules of SSA are very complicated and many cases are not easy to answer. Better to contact your bank or post office for answer.

  14. How can i transfer money in SSA a/c through net banking

    1. I don’t think transferring SSA online is possible. Please contact your branch.

  15. Thanks for your comment on my post PPF account opening .
    SSY interest rate has been cut very drastically from 9.2% to 8.6%.

  16. I have heard (From a Facebook share about Modi) that this is open to NRIs now. Is that true?

    1. As per latest Rules I think its not possible.

  17. Hi Santanu,

    I have opened SSY in SBI branch. I can able to transfer money to SSY account from my savings SBI a/c, Is there any deposit transactions limit per year on SSY account ?? ( like only do 12 transaction deposits per year ) ??

    1. No such limit, only max 1.5 lakh a year.

  18. Hi,
    Thank you for all the information. I have a daughter who is 3 yr old and we are NRI’s. Can my dad who is in India open a SSY account on my daughter’s name as a legal guardian? When we enquired about the same with an SBI officer, she said they can. I just wanted to re-confirm the same thing as the posts suggest the opposite.

    1. If bank has confirmed then you should be.

  19. Hi sir,
    is any possibility to change nomie name or to close the account.

    1. It should be possible, please contact your bank or post office

  20. Dear Sir,
    Is this account(sukanya samruddi.,,) is done online. I would like to check the amount details that i deposites in an online. Pls give me reply. If this online, pls advise me to check.

    Thanks & regards
    Srikanth

    1. You can open the account with SBI and the transfer money online.

  21. Hi,
    I have opened SSA on Jan-2015.( Child age is 4 years at the time of opening account).

    Could you please advice till how many years i can deposit and when will the maturity for my account.

    Also when i be eligible for partial withdrawal?

    1. Please read the details of the scheme, its a very basic information.

  22. Hi Sir,
    We are indian citizens working in Singapore can we apply for SSY account at SBI branch here in Singapore for my daughter

    1. No, this is an investment option for India only.

  23. Dear Sir,

    My Daughter was born on 17th March 2004, can i open her SSA Account now .

    1. I think your daughter is not eligible now.

  24. devaraju seshu kimari

    my daughter was born on 28-05-2009 can she open ssy & when the a/c will close

  25. 1). can i transfer money from my account to my daughter account through online net banking?….
    or any other restrictions to transfer..
    2). can we transfer money from other person (if not a guardian (relations)) account to my daughter’s ssa account?.

    1. Anyone can deposit amount. But make sure the facility is there in your case.

  26. Sir,
    When will interest will credit in our SSY account, till date not updated by SBI or Post office?

  27. Dear Sir,

    Whether Deposit flexibility is there or not. i.e first year i want to deposit 1000 rs. then another year 150000 Rs., Can We do it as in PPF .

    1. Yes you can do the same, but make sure min amount is Rs 1000 to keep the account active.

  28. hi,
    am from Kerala, am just opened a SSA account through our post office from my native place under my daughters name , i have an SBT NRI account, i can transfer money to this SSA account from My SBT Account ? how?

  29. Sir I opened ssa per month 3000/for my daughter before 6 month.sir how to know bal details with interests.

    1. I think you need to update your passbook.

  30. Suchitta May 17, 2016

    I just opened a SSY a/c in POST OFFICE.Post office issued passbook .but my question is regarding online user id & password Also way to track it through online id & password .Let me know if it possible .for check time to time payment & balance in account ? post office provide me online id & password for SSY Account ?

    1. I don’t think this kind of facility is activated yet.

  31. Hi
    Today i went to ICICI bank ghatkopar mumbai for opening Sukanya Samriddhi account. They told first you have to open ur spouse account in ICICI bank also have to deposit 11k and their after one week will get ur Sukanya samriddhi account no. But in this site havent mention anything about spouse account. So could you tell me right way

    1. No, there is no such rules of opening an account first and then SSY.

  32. Hi
    I have opened a Sukanya Samrudhi account in Canara Bank. Do you know if it is possible to transfer the money online to this account? If yes, what would be the account number (Is it 13 digit account number without BETI), account type and branch name (Name of canara bank branch where account is maintained) for adding the beneficiary details for the transfer?

    Regards
    Srini.

    1. I don’t have proper answer to this question. Could you please ask your bank about this and also share with us what is the finding? I think there should be some way to transfer money online from canara bank.

  33. iF A PERSON HAS A PPF ACCOUNT UNDER GUARDIANSHIP WITH HIS / HER DAUGHTER AND NOW HAS OPENED ACCOUNT OF THE MIONOR DAUGHTER IN SSS. WHAT MAXIMUM AMOUNT HE CAN DEPOSIT IN INDIVIDUAL ACCOUNTS. ?

    1. Its the same, 1.5 lakh each.

  34. Hi, My daughter was born aboard when I was working in the gulf (Mar 2015). We are now residing in Kerala, India. Daughter has a abroad birth certificate. Having a foreign birth certificate could it cause an complications in opening an SSA?
    Please guide…

    1. I think Indian citizenship is must.

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  36. मोदी जी की………………. जय हो………….. जय …………………हो……………………….INDIA के नेता जी को लोगो की……………….जय हो

  37. Hi Shantanu
    I am staying abroad with my family since 2013.
    I having 02 daughters of 08 years and 09 months
    They are having Indian Citizenship and passports
    Can I open their accounts under SSY
    Please advice
    Regards
    Aditya Rana

    1. I think you can open the account next time you visit to India. But it’s not open for NRI.

  38. Hello sir, it’s really an informative site and almost all.possible questions are answered I think. I have a query . I read that in case of death of the parent ,who is the depositor, the account will be closed ; so my question is if the depositor parent is dead then is it not possible for the other parent to deposit the money in the account and account will be continued .
    Your response awaited , request u to try to reply quick as am looking forward to open SSA this coming weekend for my daughter .
    Regards
    Ritika Saxena

  39. hello sir
    mai bahadurganj post office me ssa me apni beti ke nam se six list jama Kia hai
    per message Nazi aaya hai

  40. Hi, Does anybody successfully transfered the SSY Account from post office to any of the banks ? Please let me know.. I have checked various banks — SBI, SBH, CANARA, PNB, IOB, ICICI, AXIS.. But no bank is aware of this transfer process.. they said this Account can be opened in their branch but not possible to transfer the existing account from post office to their branch.. Iam clue less.. Please suggest..

  41. i want to know is it possible to link ssc with exiting saving account for monthly deposit. i required auto deduction from my saving account to ssc. i visit the branch is for this but response negative . I open SSC account one month back and it is not possible to deposit manually for every month. Please Suggest.

  42. Respected sir,
    I opened sukayana account with axis bank I deposited 25000 which was credited before March that is on 21 _03_16,
    Than I again deposited rs 125000 through same bank with which my account was debited on 22_03_16
    But I got sss statement later which shows that this 125000 credited in sss on 18_04_16 (after march)

    Now I have great confusion that how much amount I can pay for this financial year that 2016-17
    Please reply and guide asap

  43. Hi, What will happen if am unable to pay that amount after certain years like 5 years?
    Does all my money will be lost ?

  44. I have Sukanya Samriddhi account in post office .

    Online payment through Post office online How?????

    Pls suggest

    1. No online payment option for ssa opened in postoffice.. transfer it to bank ssa

  45. Dear Sir,
    We are a working couple in Kuwait having 2 girl Childs aged 3.5 & 2.5 born in Kuwait. During our last vacation (October 2015) we have opened SSY in our local Post office in the name of both girls and monthly paying cash through by my mother. Both kids are having Indian passport & Certificate of Entry of Birth of An Indian Citizen issued by Indian Embassy in Kuwait.
    Are we eligible??or close the account ??
    Your reply will be highly appreciated

  46. Santosh Champalal Gadiya

    Hello Sir,
    In case of Death or Handicapped or disable the Depositor then is their any provision for continuing this yojna as like LIC ..

  47. Hi Sir,
    I have already opened Nov’2015 SSA for my daughter.how can i transfer money in SSA a/c through net banking

    Thanks & Regards
    Manas Pandey
    9451505053

  48. Hi
    I have opened SSA for my daughter in year 2015 when she was 10 years old. She will be 21 years old in year 2025. My query is as below:

    1) Will her account get closed in year 2025 when she will be 21 years old or will the account get closed in year 2035 when she will be 31 years old

    2) Depending on what is your answer for my first query till which year do I need to deposit money in her account

    Regards

    1. This type of questions are to be asked before opening the account.. look before I leap

  49. Hi Sir
    my grandmother has opened an account in my name. can she claim deduction under 80c.

  50. i have opened SSY account at post office. Can i able to do online transaction from my SBI to post office

    1. I don’t think its possible.

  51. Ssa is a good option atpresent. But it’s not sure how and when policy change.. so I think it’s not good for long term investment. So think twice before starting any ssa

  52. Krishna Kant Sharma

    i want to open SSA for may daughter in year 2017. i want to know, can i deposit the monthly contribution automatically from my salary account in same branch ?

  53. Can I open sukanya samruddi account now. My daughter is 4 years old.

  54. can i open an sukanya samriddhi account for my daughter who is 2 months old.

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