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  1. Home
  2. India Services
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  4. Sukanya Samriddhi Yojana (SSY)
🇮🇳 Banking

Sukanya Samriddhi Yojana (SSY)

Sukanya Samriddhi Yojana (SSY) is a government small-savings scheme for a girl child, offering an attractive fixed interest rate and tax benefits. A parent/guardian opens the account at a Post Office or authorised bank and deposits annually until the girl reaches the notified age.

Official website

Department of Posts / Ministry of Finance

https://www.indiapost.gov.in

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Last updated 19 Jul 2026 Verified against Department of Posts / Ministry of Finance Educational guide, not a government site — see our editorial policy.

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TechToolsCenter is an independent educational platform. We are not affiliated with any Government authority. We do not process applications or collect personal information for government services. Always complete your application through the official government website linked on this page.

Required documents

  • Birth certificate of the girl child
  • Identity and address proof of the parent/guardian
  • Passport-size photographs
  • Account opening form (from Post Office / bank)

Eligibility

  • • A girl child below 10 years of age
  • • Opened and operated by a parent/legal guardian
  • • Up to two accounts per family (with specified exceptions for twins/triplets)

Step-by-step guide

  1. 1

    Visit a Post Office or an authorised bank branch.

  2. 2

    Collect and fill the SSY account opening form.

  3. 3

    Submit the girl child's birth certificate and guardian's KYC.

  4. 4

    Make the initial deposit to open the account.

  5. 5

    Continue annual deposits within the notified minimum/maximum limits.

Official fees

No account-opening fee; deposits are as per the scheme's minimum and maximum limits.

How to apply

Offline (Post Office / authorised bank) · Some banks offer online deposits after opening

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Frequently asked questions

A parent or legal guardian can open it for a girl child below 10 years of age, at a Post Office or authorised bank.

Common mistakes to avoid

  • • Missing the minimum annual deposit (account can go dormant)
  • • Opening more accounts than allowed
  • • Losing the passbook without recording deposits

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