Sukanya Samriddhi Yojana (SSY) — Benefits, Eligibility & Apply Kaise Karein (2026)

Overview

Beti Bachao, Beti Padhao ke under launch hui Sukanya Samriddhi Yojana (SSY) ek small-savings scheme hai jo sirf beti ki future education aur shaadi ke liye designed hai. Isme sabhi Post Office schemes mein sabse zyada interest milta hai aur EEE (exempt–exempt–exempt) tax status hai — yeh shayad India mein parents ke liye sabse attractive risk-free instrument hai.

Shuru: 2015 Kiske Liye: Beti ke parents/guardians (0-10 saal)

Key Benefits

• Interest rate: 8.2% p.a. (April–June 2026 quarter), annually compounded.
• Har saal ₹250 se ₹1.5 lakh tak deposit kar sakte ho; deposit pe 80C deduction milta hai.
• Tenure: account opening se 21 saal mein mature hota hai; deposit sirf pehle 15 saal karna hota hai.
• 18 saal ki umar pe higher education ke liye 50% partial withdrawal allowed hai.
• Principal, interest aur maturity — sab 100% tax-free hai.
• Kisi bhi Post Office ya authorised bank branch mein khol sakte ho.

Eligibility

• 10 saal se chhoti beti ke parent/legal guardian account khol sakte hain.
• Sirf ek account per beti; maximum do accounts per family (twins/triplets hone pe teen).
• Indian resident hona zaroori hai; NRI status change ke baad beti eligible nahi hoti.

Zaroori Documents

• Beti ka birth certificate
• Parent/guardian ka Aadhaar & PAN
• Address proof
• Passport-size photos
• Twins/triplets ke liye medical certificate (agar 3rd account ho)

Apply Kaise Karein — Step by Step

1. Kisi bhi Post Office ya authorised bank (SBI, PNB, HDFC, ICICI, Axis etc.) mein jaao.
2. Form SSA-1 bharo aur documents submit karo.
3. Initial deposit karo (minimum ₹250) cash/cheque/online se.
4. Passbook mil jaayegi — har saal deposit karo year 15 tak.
5. Zyaadatar banks SSY online bhi khulne dete hain net-banking se, jab beti KYC-linked ho jaaye.

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