Sukanya Samriddhi Yojana

सुकन्या समृद्धि योजना

Benefit8.2% annual interest (tax-free)

Who is eligibleParents of a girl under 10

Ministry / Dept.Ministry of Finance (Post Office/Bank)

Last dateBefore the girl turns 10

What is the scheme?

Sukanya Samriddhi Yojana is a government-backed savings scheme for a girl child's future, offering the highest interest rate.

Key Benefits

8.2% annual interest, compounded yearly
Minimum ₹250, maximum ₹1.5 lakh/year
80C tax benefit; interest & maturity tax-free
Matures in 21 years

Eligibility (Who can apply?)

Girl child under 10
Max two accounts per family
Indian resident

Documents Required

Girl's birth certificate
Parents' Aadhaar/PAN
Photo

How to Apply

Visit a Post Office/authorised bank
Fill the SSY form
Submit documents & first deposit
Collect the passbook

Apply on the official portal →

Frequently Asked Questions

How much to deposit?₹250 to ₹1.5 lakh/year.

When can money be withdrawn?Partial at 18, full at 21.

Tax-free?Yes, EEE.

Stay alert — avoid fraud: Genuine government schemes are always free or officially subsidised. Never pay an agent, never download APKs from unknown links, and never share your bank/OTP details. Apply only through official .gov.in portals.