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 7.6% per annum (w.e.f 1 January 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

Visit the link – Sukanya Samriddhi Yojana Forms Download PDF to download the pay-in slip, pass book and all other SSY related forms.

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.

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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.

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 7.6% (1 January 2023 to 31 March 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 18years.(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 January 2023, SSY rate of interest is 7.6% 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 Official Website
Sukanya Samriddhi Yojana Rules
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. I am Suresh Tilakchand Choudhari At-Chulod Post-Dattora Th+Dist -Gondia Maharashtra 441614
    Mai Computer Operater hoo {Digital India } income ke baare pucho hi mat ji grampanchayat se chaq bhejte hai csc, aaple sarkaar ko lekin pyement atta paata nahi rahata 9 month ho chuke payement nahi hai.ab our kya bole aap sabhi kuch malum hai .Meri beti hai Manasvi Choudhari. Date of Birth 14/08/2015 kirpa karke ye name plz accept karo ji .Mob.9765989305

  2. sir ,,,,nomoskar sobko ghore mil raha hai lekin mera papa ko nhi mil raha sir exsuali haam log bohut gorib hoon koi sarkari subiday nhi milta hai sir ,,,,mera papa ka naam,,,madan das
    villeg,,choto kolia

    post office- fakirganj
    police station- fakirganj
    pin no.783330
    house no.47
    pls pls pls help sir

  3. sir may bohut gorib poribar ka hoon mera koi pise suport karne wala nhi hai mere ghore me mera maa aur budda baba hai may kama ke poribar ko bachata hoon muskil vhi hota hai lekin kha karu baas thora sa
    sarkar tarap se help mile assa hai,,,,,,,,, jai hind

  4. Sir mera name sounu Kumar hai sir m bahut garib hu sir meri ek beti hui hai 6/11/2017 ko block tundla m sir meri bi sukanya samriddhi yojna m meri beti ka name bi likh lo sir apki ati kirpa hogi village mohablli post bhoudela dist firozabad Uttar Pradesh 283204

  5. sir meri bahan ki shadi ke liye thodi madat mil jaye to me aapaka aabharri rahunga mere papa hat majuri karte he vo paisa kaha se layenge agar aap mujhe thodi madat kar denge to me aapko nokri lagjaunga tab lauta dunga yakin kariye sir

  6. Jai sadguru.. Sir..
    Sir me… Hamare ganho ki logonko batana chatahu Hamare deska paradha mantri Sir ka tarap se he suvedha Diya jarahahe he. Kui ke Hamare ganho me koi padlika nai sir..

  7. Sir, mai 49year old lady.sir.mai apnay dhar say khana bana kay ek dukan may jakar bechti hun .par sir ussy mare family nahi chal pa rahi hai muskil may hai.agar apkey dafter say kuch help milta hai to mare family bach jayga.

  8. Sir me
    Barwani.jile…ka ek nagrik hu sir me 4 hajar rupey majduri karta hu.meri.4 saal ki ladki he or.1 saal ka ladka he….sir agar apki koi madad mil jay to .bhut mehrbani ……..thanks

  9. Sir me
    Barwani.jile…ka ek nagrik hu sir me 4 hajar rupey majduri karta hu.meri.4 saal ki ladki he or.1 saal ka ladka he….sir agar apki koi madad mil jay to .bhut mehrbani ……..thanks

  10. pm ji prenam hmari delhi main bahut gunda gardi or bahut bherta char ho rha hain or ladkiyo ke saat raip muder kidnup bahut ho rhe hain delhi main hi kiya over india ye sub ho rha hain aap to pm ho ye apke haat ke haat main rokna hain pls sir sub rokdo tbhi hmara desh aage berd sakta hain thank;s [sir meri wife prengnet hain or mere do ladki hain or main bahut garib hu or salry meri 7500 rupee or rent per rhata hu meri famly histri my aadhaar no 860328816753 my doter no 10472997820360 meri wife ka or choti doter ka abhi aadhaar bna nhi hain mobile no 9871773421

  11. Sir mai 20saal ki hu kya mujhe ab kanya yojna kaa labh mill skta h mai bhut hi grib ghr se hu ur mai age ki pdhai puri krna chahti hu to kya koi aose yojna h ki mai apni pdhai v puri kru ur kuch kaam v kr lu apni pdhai ko puri krne ke liye,,,,,,,,,agr aise koi yojna h to plzzz sir mujhe ish no pr call yaa fir msg kr ke jankari de…….9140704340

  12. sir meri beti 5 sal ki hi. mai apani beti ka name school me nahi likhava paya hu

    sir mai bahut garib hoon
    pleas help sir

  13. Hello sir mai ek gariv ghar se hun mai koi job karna chahta hun mere pas paise bhi nahi hai please sir my halp my contect no:8393872316


  15. hello sir
    Mai ek gareeb parivar se hu mai ek sarkari job pana chahata hu plz meri help karo my contact no 8564831204

  16. Sir
    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

  17. Sir Maine post office me sukanya dhan yojana ke tahat accaunt khola hai. Sir hame kitana jama karane par kitana Paisa milega. Kripaya batane ki kripa kare

  18. Hello sir ,meri AK beti 21year old hai.mujhe Sukanya samriddhi yojna se labh mil Sakta hai to mujhe es no.9983653821 pr suchna de

  19. Vinodbhai nandniben majethiya
    Me bhut hi garib abami hu me meri 2 bachi he to sukniya sanriddhi me labh milsakta he pls muje bataye

  20. Sir
    Mera nam Sk Habibulla.mera 2 ladki.nam Taniya parvin age-9 years and Tanjila Parvin age-7 years.
    Meine Bohut gorib admi.
    Vill -Goran Khali P,O-Barbasudev pur P,s-Sutahata Dist -Purba Medinipur Pin-721645
    MOB-9679835235 -8921925614

  21. Sar
    Me sanjeev singh me bhut garib hou meri theen bhan hai unme se do ki sadi karni hai meri kuch madat karte to me aap ka bhut aabari rahuga .hum aapke upar bira bisbaas banaye hoye hai plasse aap muj par thoda dhyan de de to meri paresani khatam ho jaye .sadi me dhula bhuy saara saman mag raha hai aap to jante hai ki ham garib log otna khan se karege .plase halp me sar .aap ka garib sanjeev singh.

  22. Sar me sanjeev singh apni garivi me bhut paresan hou ,meri bhan ki sadi agle do mahene baat hai aue meri theen bhan aur hai to plase sar meri kuch madat karo aapka bhut aabari rauga

  23. Sat Mari 2 Grals ha jasma 1grals 7 year or ha or 1 Grals 5 year me ha Jo bade Grals ha Uska miend ka 1 saide ka is ishaa kame Na karta to Sar muja koi sarkary halo male Sakti ha mare mob 9138238611 par coll Kare place help

  24. Sir main bahut garib hu aur B A. 2016 me ho gaya tha aur ab mujhe koi job nhi mil pa rhi… Aap hamari help kijiye sir

  25. Mere three Beti he 1. 9year. 2.4year. 3. 1manth ki he
    Me rajasthan se hu privet job me hu Hume koi ase jankari nhi he
    Beti to Beti he dekte he keya hota he

  26. mari sister 18 saal ki hai aur B.A.1st year ki student hai kya use Sukanya Samriddhi yojana ka labh mil sakta hai……..plz

  27. sonam khan ji —-

    सोनम जी आपका मदद जरुर होगी संपर्क करे 9120381113


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