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Sukanya Samriddhi Yojana (SSY): 2026 Guide to Eligibility & Application

Comprehensive guide to Sukanya Samriddhi Yojana (SSY). Review benefits, eligibility matrix, application procedure, and official documents.

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Official Guide and Eligibility Framework for Sukanya Samriddhi Yojana (SSY) — Family with children receiving social assistance and child development support
🇮🇳India
Government Scheme
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Editorial overview visual for Sukanya Samriddhi Yojana (SSY). Verified against official sovereign gazette rules.Source: Civic Benefits Media Repository • EDITORIAL_VERIFIED

SSY Program Summary

About SSY

Sukanya Samriddhi Yojana (SSY) is a dedicated small deposit scheme backed by the Government of India launched as part of the 'Beti Bachao Beti Padhao' campaign. It is designed exclusively for girl children to build a dedicated financial fund for their higher education and marriage. Key Rules & Features - Can be opened for a girl child from her birth up to the age of 10 years. - Maximum 2 accounts per family (except in case of triplets/twins). - Minimum deposit: ₹250 per financial year; Maximum: ₹1,50,000 per financial year. - Deposits made for 15 years; Account matures upon completion of 21 years from date of opening. - Exempt-Exempt-Exempt (EEE) status: Principal, accrued interest, and maturity withdrawal are 100% tax-free. Administered under statutory authority by National Savings Institute / Department of Posts, Sukanya Samriddhi Yojana (SSY) is designed to safeguard eligible families, low-income workers, and qualifying citizens from economic hardship while promoting wellbeing and development.

Program Benefits & Allotments

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Benefit ProvisionCategoryFrequencyStatutory AllotmentConditions & Limits
Sovereign High Interest Rate (8.2%+)financialannual8.2% Compound InterestGovernment Welfare Grant
Triple Tax Exemption (EEE)subsidyannual100% Tax FreeGovernment Welfare Grant

Eligibility Matrix

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FactorRule / RequirementThresholdStatusAuthoritative Source
gendergender must satisfy: femaleVerifiedMandatoryVerified Government Assessment
ageage must satisfy: 10VerifiedMandatoryVerified Government Assessment

How to Apply

1

Collect Form from Post Office or Bank

Obtain Form SSA-1 from any India Post branch or authorized commercial bank.

2

Submit with Initial Deposit

Submit documents with initial deposit (minimum ₹250).

3

Receive SSY Passbook

Post Office or bank issues physical passbook containing account number and deposit ledger.

Apply on Official Government Portal

Required Documents

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Frequently Asked Questions About SSY

Partial withdrawal up to 50% of the balance is permitted after the girl reaches 18 years of age or passes 10th standard, exclusively for higher education admission fees.
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