Sukanya Samriddhi Yojana Account Online Form / Interest Rate Calculator 2023 [Updated]

Sukanya Samriddhi Yojana Account application form, interest rate, calculator 2023 available, apply online for 7.6% interest in SSY& compare post office saving schemes, ssy account maturity period is at the age of 21 years, see ssy chart & use PM sukanya samriddhi yojana calculator
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Sukanya Samriddhi Yojana (सुकन्या समृद्धि योजना) is an ambitious scheme of Narendra Modi Led NDA Government to reinforce the idea of “Save for every girl child”. As a part of “Beti Bachao Beti Padhao” campaign, Sukanya Samriddhi Account Scheme is a small saving scheme.

The scheme can also be considered as a part of the NDA government’s initiative to increase the domestic saving percentage which as dropped by 8% from 38% in 2008 to just 30% in 2013. The scheme will also encourage the parents to save for the girl child and spend on their education and marriage.

Sukanya Samriddhi Yojana Interest Rate 8% per annum (w.e.f 1 April 2023) which is calculated on yearly basis and then compounded yearly. People can check sukanya samriddhi yojana chart and calculate their interest earned through sukanya samriddhi yojana calculator. People can Compare All Post Office Schemes 2023 before making investment.

How to Open the Sukanya Samriddhi Account?

  1. Parents or the legal guardian can open an account for up to two girl child. In case of the twins or the triples, an exemption will be made on production of a certificate from authorized medical institutions.
  2. The account can be opened by the parents until the girl child attain the age of 10 years.
  3. The account can only be opened on the name of the girl child, the guardian will only be able to deposit the amount on behalf of the girl child.
  4. The account can be opened in Post office across India or the designate bank branches.

Sukanya Samriddhi Yojana Account Online Forms 2023

Here we are providing you the links of SSY Account Online forms which can be downloaded to open Sukanya Samriddhi Yojana Account:-

Sukanya Samriddhi Yojana Form SBI
Sukanya Samriddhi Yojana Form SBI

Changes in SSY Guidelines 2023

1. Higher interest rate for default accounts
If people does not deposit even the minimum amount i.e. Rs. 250 in a financial year in the Sukanya Samriddhi Yojana account, it will be considered as an account in default. As per the newly notified rules, such “default accounts” will earn the interest rate applicable to the scheme, till the maturity date of the account, if not regularized till then. Previously, such default accounts earned only the post office savings bank interest rate. Default accounts due to death of guardian continue to be eligible for interest as per the scheme’s new rules.

2. Changes in rules for premature closure of account
As per the new scheme rules, the premature closure of a Sukanya Samriddhi account is allowed in case of death of the girl child or on compassionate grounds. The phrase “Compassionate grounds” would include situations such as medical treatment of the account holder for life threatening diseases or death of guardian. The old rules of the scheme allowed closure of the account in two cases i.e due to death of girl child and in case of change in residency status of girl child.

3. Operation of SSY account
According to the newly notified rules of SSY Scheme, the account cannot be operated by the girl child till she attains the age of 18 years as against 10 years as per old rules. As per the new rules, the account will be operated by the guardian till the account holder (i.e., the girl child) attains the age of 18 years. On attaining the age of 18 years, then necessary documents are required to be submitted to the bank/post office where the account is being held.

4. Opening of accounts for more than two girl children
There has been change in the additional documentation required for opening of account in case of more than two girl children. According to the newly notified rules, if accounts are to be opened in case of more than two girl children, then along with the birth certificates, an individual is required to submit an affidavit. The old rules required the guardian to submit medical certificate.

Central Government Govt Schemes 2023Popular Schemes in Central Government:प्रधानमंत्री आवास योजना 2023Pradhan Mantri Awas YojanaPM Awas Yojana Gramin (PMAY-G)

5. Other changes
Along with these changes, in the new rules of Sukanya Samriddhi Yojana, certain provisions have been removed and others have been clarified.The new rules have removed the provision of reversing wrongly credited interest in the account considering that as per the new rules the scheme interest now applies in case of all default accounts (and not the Post Office account saving interest rate). Also, under the new rules interest will be credited to the account at the end of the financial year.

Sukanya Samriddhi Yojana Interest Rate Calculator Chart

Here is the complete chart for calculating interest rate of Sukanya Samriddhi Yojana:-

Calculator Sukanya Samriddhi Yojana Account
Calculator Sukanya Samriddhi Yojana Account

Salient Features of Sukanya Samriddhi Yojana Account

  • Sukanya Samriddhi Account has an attractive interest rate of 8% (1 April 2023 to 30 June 2023) which is regulated by Ministry of Finance from time to time (on quarterly basis)
  • The account can be opened in the name of girl child till she attain the age of 10 years.
  • Only one account can be opened in the name of a girl child.
  • Account can be opened in the Post Offices or notified branches of the commercial banks like HDFC Bank, ICICI Bank, PNB Bank, SBI Bank or any other bank across the country.
  • Birth certificate of the girl child in whose name the account is opened must be produced and submitted.
  • Account can be opened with a minimum amount of Rs. 250 and thereafter any amount can be deposited in multiples of Rs. 50/-.
  • Deposits in an account can be made till completion of 14 years, from the date of opening of the account.
  • A minimum of Rs. 250/- has to be deposited in a financial year.
  • Interest @ as may be notified by the government from time to time will be calculated on yearly compounded basis and credited to the account.
  • Maximum Rs. 1,50,000/- can be deposited in one financial year.
  • One withdrawal shall be allowed on attaining the age of 18 years of account holder to meet education/marriage expenses at the rate of 50% of the balance at the credit of preceding financial year.
  • The account can be transferred anywhere in India to any post office/bank.
  • The account shall mature on the completion of 21 years from the date of opening of the account.

More information about Sukanya Samriddhi Yojana Account

  • A penalty of Rs. 50 will be imposed if the account is not credited with the minimum amount.
  • The guardians have to deposit amount for 14 years, no deposit is required after that till the maturity.
  • A premature withdrawal (at the end of the previous financial year) of 50% of the accumulated amount is allowed after the girl child turns 18.
  • The account can be closed after the completion of 21 years and the money can be withdrawn. If the amount is not withdrawn, it will continue to earn interest.
  • As per Section 80C of Income Tax Act, the investment of Rs. 1.5 lakh per year including the earned interest will be completely exempted from the income tax.

Investment in Sukanya Samriddhi Yojana scheme is exempted from Income Tax under section 80C. The scheme offers Tax Benefit under TripleE regimen ie. Principal, interest and outflow all are tax exempted.

Documents Required for Opening an Account?

  1. Birth certificate of the girl child.
  2. Address and photo identity proof (PAN Card, Voter ID, Aadhar Card) of the guardian.

Sukanya Samriddhi Yojana primarily focuses on the girl child and is flagship scheme of the Indian Post Office and of the Modi Govt.

Moreover, this interest earned is better than than the other Post Office Savings Scheme like Public Provident Fund, Kisan Vikas Patra, National Savings Certificate Scheme etc.

Summary of Sukanya Samriddhi Yojana Account

Here is the summary of the Sukanya Samriddhi Yojana Account as follows:-

Who can open account

-> By the guardian in the name of girl child below the age of 10 years.
-> Only one account can be opened in India either in Post Office or in any bank in the name of a girl child.
-> This account can be opened for maximum of two girls in a family. Provided in case of twins/triplets girls birth more than two accounts can be opened.


(i) Account can be opened with minimum initial deposit Rs. 250.
(ii) Minimum deposit in a FY is Rs. 250 and maximum deposit can be made up to Rs. 1.50 lakh (in multiple of Rs. 50) in a FY in lumpsum or in multiple installments.
(iii) Deposit can be made maximum up to completion of 15 years from the date of opening.
(iv) If minimum deposit Rs. 250 is not deposited in a account in a FY , the account shall be treated at defaulted account.
(v) Defaulted account can be revived before completion of 15 years from the date of opening of account by paying minimum Rs. 250 + Rs. 50 default for each defaulted year.
(vi) Deposits qualify for deduction under section 80C of Income Tax Act.


(i) The account will earn on the prescribed rate notified by Ministry of Finance on quarterly basis.
(ii) The interest shall be calculated for the calendar month on the lowest balance in the account between the close of the fifth day and the end of the month.
(iii) Interest shall be credited to the account at the end of each FY where account stands at the end of FY. (i.e. in case of transfer of account from Bank to PO or vice versa)
(iv) Interest earned is tax free under Income Tax Act.

Operation of Account

-> Account will be operated by the guardian till the girl child attains the age of majority (i.e. 18 years).


(i) Withdrawal may be taken from account after girl child attains age of 18 or passed 10th standard.
(ii) withdrawal may be taken up to 50% of balance available at the end of preceding F.Y.
(iii) withdrawal may be made in one lump sum or in installments, not exceeding one per year, for a maximum of five years, subject to the ceiling specified and subject to actual requirement of fee/other charges.

Premature closure

(i) Account may be prematurely closed after 5 years of account opening on the following conditions : –
-> On the death of account holder. (from date of death to date of payment PO Savings Account interest rate will be applicable).
-> On extreme compassionate grounds
(a) Life threatening decease of a/c holder.
(b) Death of the guardian by whom account operated.
(c) Complete documentation and application required for such closure.
(d) For premature closure of account submit prescribed application form along with pass book at concerned Post Office.

Closure on maturity

(i) After 21 years from the date of account opening.
(ii) Or at the time of marriage of girl child after attaining age of 18 years. (1 month before or 3 month after date of marriage).

Sukanya Samriddhi Yojana Account RulesClick Here

Sukanya Samriddhi Account FormsClick Here

Compare All Post Office Saving Schemes 2023

Before making investment, people can also compare SSY to other Post Office Schemes like Public Provident Fund, National Saving Certificate, Kisan Vikas Patra, Post Office Savings Account, Senior Citizen Saving Scheme, Recurring Deposit – RD Account, Time Deposit (TD) Account, Monthly Income Scheme (MIS) – SSY vs PPF vs NSC vs KVP vs vs SCSS vs RD vs MIS vs TD vs Post Office Savings Account. Furthermore for details of all Post Office Savings Scheme, please visit –

Sukanya Samriddhi Yojana Account – Highlights at a Glance

The important features and highlights of Sukanya Samriddhi Accounts are as follows:-

Sukanya Samriddhi Yojana Interest Rate & Calculator Minimum SSY Account Balance & Maintaining Balance
As the sukanya samriddhi yojana chart from 1 April 2023, SSY rate of interest is 8% calculated on yearly basis and compounded annually Minimum amount is Rs. 250 and maximum ssy account is Rs. 1.5 lakh per year. Accordingly candidates can make investment in multiples of Rs. 50 in Lump Sump amount or in installments. Moreover, there is no limit on the number of deposits either in month or in FY.
Salient Features & SSY Tax Benefits
  • Any parent or guardian can open this sukanya samriddhi account in the name of girl child.
  • One account is applicable for one girl child and maximum two accounts for 2 girl children of a single family.
  • People can open this SSY account up to 10 years from the Date of Birth of Girl Child.
  • Subscribers must have to deposit Rs. 250 in a financial year otherwise their account is discontinued and also a penalty of Rs. 50.
  • At the age of 18 years of girl, subscribers are allowed to make partial withdrawal. However, full sukanya samriddhi yojana withdrawal is applicable only after 21 years.
  • Furthermore in case the girl is married, premature closure / full ssy withdrawal is permissible.

Regional Offices for more information about Sukanya Samriddhi Account

Regional Centers
Regional Centers


SSY Updated Guidelines

More information about the scheme can be obtained from the official website of National Saving Institute at or

112 thoughts on “Sukanya Samriddhi Yojana Account Online Form / Interest Rate Calculator 2023 [Updated]”

  1. मै आपलोगों का मदद करा सकता हूँ लेकिन आप संपर्क करे 9120381113

  2. hello sir.
    mai local class ki family se hun pr mai ek baat puchna chahta hun .
    pta nhi jawab milega ya nhi pr puchunga jarur ……….
    mere sawal hai ki jo yojna humari behno ke liye hai wo humari behno tak nhi pahuchai jati iska karn ….Kya kisi yojna ke liye hume ye proof krna padega ke hum Indian hai ya fhir ye btana padega ke hum jis gao me rhte hai wha hume koi janta nhi …bs yhi hai……
    kai yojna hai…..
    1- Ladli yojna.
    2- awas yojna.
    3- kanya Daan yojna.

    (Pta nhi ke aap iis baat pr dyaan de ke na de ..woo aap ke upr hai. Namskar?)


    ☆Mara sawal kanya Daan yojna . ke taht hai pichle 18 month se mai iis yojna ke bare me sunte aa rha hun .pr abhi tak maine ye nhi suna ke kisi ladki ki shadi me use iis yojna ka labh huaa hai..

    …kyu sir Kya ye yojna village ke bade ghar ki betiyo ke liye hai ya fhir kuch garib logo ke liye bhi hai….
    ek baar maine ek village ke AAdmi ko btaya ke aap ki beti ki shadi me sarkar se thodi madad lelijiye too unho ne kha humare liye nhi hai …
    hum too bahut bade AAdmi hai..hum dusro ghar me kaam krte hai dusro ke kheto me anaaj ugate hai .hum garib nhi..hai….
    ….garib wo hai jo har saal gadi badlte hai ..her baar pardhan bante hai..garib too wo hai….Sun ke acha lga….Maine kha Aapne form bhraa hai too unho ne kha kosis too ki thi pr form hi nhi dekhne ko mila …
    Meri AApse viniti hai ke aap iis yojna me lagne wali sb I’D ke naam mujhe btaye ager ..Aap garib bhaiyo ke bare me sochte hai too..
    Mujhe jawab 5 din ke andar milna chahiye .
    AAp ki kirpa hogi..mujhe mere whatsup bhi bhej sakte hai..

    Mobail. no-07080057180

    …………. DHANYAWAD.

  3. dear sir,
    meri ek beti h , uski age 5 years ki h to plesae aap mujhe ye bataiye ki mai uska a/c bank me bhi khulwa sakta hu ya nahi, agar haa to kon si bank me
    please reply me

  4. Sir jii plsszzz help me
    Mere papa nhi h or meri 1 hi sister h or mere pass koi job werk nhi h jisse kuchh help ho sake ..
    Aapse vinamr nivedan h ki meri kuchh help kare jiiiiiii thanxxx

  5. Sir
    मै जलगाँव जिल्हा से शांताराम बडगुजर हु जैसे कि आपने कहा था बेटी के जन्म पर आप माता को 6000/-कि राशी देने का निर्णय लिया था मगर यहा कोई भी आशा बाई ठिक तराह से नही बता पाते कहते है घोषना तो हुई है पर हमे कोई जानकारी नही है कुपया आप सायता करे

  6. I am ankita mishra. I want make singer but I have not family support and money but I know that l am talented girl please believe me and help me l am talented girl please believe me and help me i want platform where i achieve my dream

  7. sir mai yogesh rinhayat mai berojgar
    hun.mai koi business dalna chahta hun. lekin merepas paise nahi ho se mai sarkari madst lena chahta hun .
    kya mujhe serkari mdat milsati hai.
    agar yes hai to . madat lene ki prakriya bataye.

  8. सर, मेरी बेटी 6 साल की हे और मज़बूरी में प्राइवेट स्कूल में पढ़ना पड़ रहा है मेरी तनखा भी कम है mere husband ne bhi mujhe chod rakha he में बहुत परेशान हु

  9. सर, मेरी बेटी 6 साल की हे मगर बैंक में उसका अकॉउंट नहीं खोल रहे कहते हे मार्च में आना और मज़बूरी में प्राइवेट स्कूल में पढ़ना पड़ रहा है मेरी तनखा भी कम है mere husband ne bhi mujhe chod rakha he में बहुत परेशान हु

  10. Sir
    Mai ek vidhva hu or meri do betiya h jinhe me badi mehnat karke padha rahi hu par me kam padi likhi hone ke karan jada nhi kama pati aapse gujarish h ki meri betiyo ke liye or mere liye agar aap kuchh madad kar sakte ho to badi mehrbani hogi mujhe aapse peso ki madad nhi keval ek sarkari nokrib ka parbandh karva sake to badi mehrbani hogi

  11. यह है योजना :इस अकाउंट में एक फाइनेंशियल ईयर में कम से कम 1 हजार और अधिक से अधिक डेढ़ लाख रुपया या इसके बीच की कितनी भी रकम जमा कर सकते हैं। यह पैसा अकाउंट खुलने के 14 साल तक ही जमा करवाना पड़ेगा। मगर, खाता बेटी के 21 साल की होने पर ही मैच्योर होगा। बेटी के 18 साल के होने पर आधा पैसा निकलवा सकते हैं।

    21 साल के बाद खाता बंद हो जाएगा और पैसा गार्जियन को मिल जाएगा। अगर बेटी की 18 से 21 साल के बीच मैरिज हो जाती है तो अकांउट उसी वक्त बंद हो जाएगा। अगर पेमेंट लेट हुई तो सिर्फ 50 रुपए की पैनल्टी लगेगी। गार्जियन अपनी दो बेटियों के लिए दो अकाउंट खोल सकते हैं। जुड़वां होने पर उसका प्रूफ देकर ही तीसरा खाता खोल सकेंगे। खाते को आप कहीं भी ट्रांसफर करा सकेंगे।

    ऐसे समझें फायदे को:यदि 2015 में कोई व्यक्ति 1,000 रुपए महीने से अकाउंट खोलता है तो उसे 14 साल तक यानी 2028 तक हर साल 12 हजार रुपए डालने होंगे। मौजूदा हिसाब से उसे हर साल 9.1 फीसदी ब्याज मिलता रहेगा तो जब बच्ची 21 साल की होगी तो उसे 6,07,128 रुपए मिलेंगे। यहां आपको बता दें कि 14 सालों में इस व्यक्ति को अकाउंट में कुल 1.68 लाख रुपए ही जमा करने पड़े। इसके अलावा बाकी के 4,39,128 रुपए ब्याज के हैं।

  12. सर, मेरी बेटी 6 साल की हे मगर बैंक में उसका अकॉउंट नहीं खोल रहे कहते हे मार्च में आना और यहाँ सरकारी स्कूल भी 1.50km पर हे मज़बूरी में प्राइवेट स्कूल में पढ़ना पड़ रहा है मेरी तनखा भी कम है में बहुत परेशान हु

  13. सर मेरी तीन बेटी हैं 8,7,4, मै बहुत गरीब हूँ मुझे सरकार से कुछ मदद मिल सकती है

  14. sir meri sister 16year ki hai or pita ji privet job karte hai jisase ghar ka sirf kharcha hi chal pata hai or ham bahut garib hai kya yojana ka labh utha sakte hai plese es hamare mobail par coll kar ke bataiye mo-nu…,7518964920 plese

  15. सर मेरी वेटी 4 वर्ष की है तथा वह पैरों से पूर्णतः विकलांग है क्या कोई सरकारी मदद मिल सकती है


  16. I am ramkumar verma sir dauther is jothi verma read in 8th class so help my dauther saving account open post office ho seke

  17. Sir mai ak garib kisan hoo meri do betiya hai Abhi unki shadi karne ke yogya ho chuki hai sir plz help me mo.8957229792

  18. sir
    mere do betiyanh 8y and 10y delhi se hun me es scheme (sukanya samrdhi) ki aur jankari ke liye kaha sampar karu taki hindi me details mile.

  19. सर जी मेरी २ लडकिया है ४ साल की १ साल की क्या मेरी दोनो लडकियो को सुकन्या योजना का लाभ मिल सकता है मै उतरांचल से ह्ं

  20. सर मेरी वेटी 4 वर्ष की है तथा वह पैरों से पूर्णतः विकलांग है क्या कोई सरकारी मदद मिल सकती है जिससे मैं उसका ईलाज करवा सकूं धन्यवाद

  21. how & where we can apply ?
    Ability for all type of such yajana are not clear.
    It is difficult to take benefit for common man.


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