Sukanya Samriddhi Yojana is one of the most popular and trusted savings schemes launched by the Government of India to secure the financial future of a girl child. This scheme allows parents or legal guardians to invest a small amount every year and create a strong long-term fund for their daughter’s education and marriage expenses.
Started under the Beti Bachao Beti Padhao initiative, the Sukanya Samriddhi Yojana 2026 offers an attractive interest rate, tax-free returns, and complete government security, making it a low-risk and high-return investment option. With benefits like compound interest, Section 80C tax deduction, and a long maturity period, this scheme is ideal for parents who want disciplined savings with guaranteed growth. In this article, you will get complete details about Sukanya Samriddhi Yojana interest rate 2026, eligibility, rules, benefits, withdrawal conditions, and return calculator.
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana is a government-backed savings scheme launched by the Government of India to secure the financial future of a girl child. Introduced under the Beti Bachao, Beti Padhao initiative, this scheme encourages parents or legal guardians to build a long-term savings fund for their daughter’s education and marriage expenses. The account can be opened for a girl child below the age of 10 years at a post office or an authorized bank branch. Parents can invest a minimum of ₹250 per year and up to ₹1.5 lakh annually for 15 years, while the account continues to earn interest until maturity after 21 years. Sukanya Samriddhi Yojana offers a higher interest rate than most traditional savings schemes, along with compound interest benefits, which helps the invested amount grow significantly over time. One of its biggest advantages is the triple tax benefit (EEE), where the investment, interest earned, and maturity amount are all tax-free under Section 80C of the Income Tax Act. Being fully supported by the government, the scheme is considered safe, risk-free, and ideal for long-term financial planning, making it one of the best savings options for a girl child in India.
Sukanya Samriddhi Yojana Details
| Feature | Details |
|---|---|
| Scheme Name | Sukanya Samriddhi Yojana |
| Account Holder | Girl child (below 10 years) |
| Maturity Period | 21 years |
| Deposit Duration | 15 years |
| Minimum Deposit | ₹250 per year |
| Maximum Deposit | ₹1.5 lakh per year |
| Interest Rate | 8.2% p.a. (current) |
| Tax Benefit | Section 80C |
| Account Type | Post Office / Bank |
These Sukanya Samriddhi Yojana details make it one of the safest government-backed schemes.
Eligibility Criteria for Sukanya Samriddhi Scheme
The eligibility criteria for the Sukanya Samriddhi Scheme are simple and clearly defined to ensure that the benefits reach the right beneficiaries. The scheme is specially designed for a girl child in India, and the account must be opened by her parents or legal guardian. Only one account is allowed per girl child, and the scheme focuses on encouraging early and long-term savings for her education and future needs.
Eligibility conditions include:
- The account can be opened only for a girl child.
- The girl child must be below 10 years of age at the time of account opening.
- The account can be opened by a parent or legal guardian on behalf of the girl child.
- Only one Sukanya Samriddhi account per girl child is allowed.
- A family can open accounts for a maximum of two girl children (exceptions apply in case of twins or triplets).
- The girl child must be a resident Indian citizen.
Documents Required for Sukanya Samriddhi Yojana
To open a Sukanya Samriddhi Yojana account, parents or legal guardians must submit a few basic documents to verify the identity of the girl child and the guardian. These documents help ensure that the account is opened correctly and in compliance with government rules. All documents should be valid and self-attested at the time of submission.
Required documents include:
- Sukanya Samriddhi account opening form (filled and signed)
- Birth certificate of the girl child (mandatory proof of age)
- Identity proof of the parent or guardian (Aadhaar card, PAN card, voter ID, or passport)
- Address proof of the parent or guardian (Aadhaar card, ration card, electricity bill, or passport)
- Passport-size photographs of the girl child and the guardian
How to Open Post Office Sukanya Samriddhi Yojana Account?
Opening a Post office Sukanya Samriddhi Yojana account is simple:
- Visit your nearest Post office
- Collect the Sukanya Samriddhi account opening form
- Fill in all required details
- Attach necessary documents
- Deposit the initial amount (cash/cheque/DD)
Once verified, your Sukanya Samriddhi account will be activated.
Also Read – Latest Lado Lakshmi Yojana 2026: Big Benefits, Eligibility, New Rules & Complete Conditions
Sukanya Samriddhi Yojana Interest Rate 2025–2026
The Sukanya Samriddhi Yojana interest rate 2025 is 8.2% per annum, compounded yearly.
This interest rate is higher than PPF and most fixed deposits, making it an attractive investment option.
Interest earned under Sukanya Samriddhi Yojana is completely tax-free.
Sukanya Samriddhi Yojana interest rate – 8.2% per annum
A Sukanya Samriddhi Yojana Calculator helps you estimate the maturity amount based on your yearly investment and the tenure of the scheme.
Using an Sukanya Samriddhi Yojana Calculator online allows you to plan your child’s education and marriage expenses efficiently without doing complex manual calculations.
Here is SSY Calculator –
Sukanya Samriddhi Yojana Deposit Rules & Returns
| Rule Type | Details |
|---|---|
| Minimum Yearly Deposit | ₹250 per year is mandatory to keep the account active |
| Maximum Yearly Deposit | Up to ₹1.5 lakh per financial year is allowed |
| Deposit Duration | Deposits must be made for 15 years from account opening |
| Account Maturity Period | The account matures after 21 years from the opening date |
Sukanya Samriddhi Yojana Deposit Returns
Sukanya Samriddhi Yojana Deposit Returns can be very attractive for parents who want to build a secure future fund for their daughter. If you deposit ₹1.5 lakh every year for 15 years, your total investment becomes ₹22.5 lakh. After the deposit period ends, the account continues to earn interest until maturity, which is usually when the girl turns 21 years old. Because of long-term compounding and government-declared interest rates, the maturity amount can cross ₹65 lakh or even more, depending on the interest rate during the investment period. Another major benefit is that Sukanya Samriddhi Yojana offers tax-free returns, meaning the invested amount, interest earned, and maturity value are all exempt from income tax under Section 80C. This makes it one of the safest and most rewarding savings schemes for a girl child in India.
Post Office Sukanya Samriddhi Yojana Monthly 1000
The Post Office Sukanya Samriddhi Yojana monthly ₹1,000 plan is a smart and affordable way for parents to build long-term savings for their girl child. By depositing just ₹1,000 every month, you can create a strong, tax-free corpus backed by the Government of India. This option is ideal for families who want disciplined savings with guaranteed returns.
Post Office Sukanya Samriddhi Yojana Monthly ₹1,000 – Calculation Table
| Details | Value |
|---|---|
| Monthly Deposit | ₹1,000 |
| Yearly Deposit | ₹12,000 |
| Deposit Period | 15 years |
| Total Investment | ₹1,80,000 |
| Maturity Period | 21 years |
| Estimated Maturity Amount | ₹5.5 lakh – ₹6.5 lakh (approx.) |
| Tax Benefit | Fully tax-free (EEE) |
Note: Returns are calculated based on prevailing interest rates. Actual maturity amount may vary if interest rates change.
Key Benefits of Monthly ₹1,000 Investment
- Affordable monthly investment option
- Government-backed and completely risk-free
- High compound interest over long term
- Eligible for tax deduction under Section 80C
- Interest and maturity amount are fully tax-free
- Ideal for girl child’s education and marriage planning
Sukanya Samriddhi Yojana Calculator – Estimate Your Returns
A Sukanya Samriddhi Yojana Calculator helps parents estimate the future value of their investment made for a girl child. By entering the yearly deposit amount and investment duration, you can easily calculate the total investment, interest earned, and expected maturity amount. This tool is very useful for long-term financial planning for a daughter’s education and marriage expenses.
The calculator works on the basis of compound interest and considers the deposit period of 15 years, while interest continues to be added until the account matures after 21 years. Since the scheme offers tax-free and government-guaranteed returns, the calculator gives a reliable idea of how your savings can grow over time.
Sample Calculation Table – Sukanya Samriddhi Yojana Returns
| Yearly Deposit | Deposit Period | Total Investment | Estimated Maturity Amount |
|---|---|---|---|
| ₹250 per year | 15 years | ₹3,750 | ₹10,000 – ₹12,000 (approx.) |
| ₹1.5 lakh per year | 15 years | ₹22.5 lakh | ₹65 lakh+ (approx.) |
Note: The maturity amount is calculated based on the prevailing Sukanya Samriddhi Yojana interest rate. Actual returns may vary slightly depending on future interest rate changes.
Tax Benefits Under Sukanya Samriddhi Yojana
The Sukanya Samriddhi Yojana offers some of the best tax benefits among all government savings schemes in India. It comes under the EEE (Exempt–Exempt–Exempt) tax category, which means investors get tax relief at every stage—while investing, earning interest, and at maturity. The table below clearly explains the tax benefits under Sukanya Samriddhi Yojana in a simple and easy-to-understand format.
Tax Benefits Under Sukanya Samriddhi Scheme
| Tax Stage | Tax Benefit | Explanation |
|---|---|---|
| Investment | Deduction under Section 80C | Deposits made in Sukanya Samriddhi Yojana are eligible for tax deduction up to ₹1.5 lakh per financial year |
| Interest Earned | Fully tax-free | The interest earned every year on the account is completely exempt from income tax |
| Maturity Amount | Fully tax-free | The total maturity amount, including interest, is 100% tax-free |
| Tax Category | EEE (Exempt–Exempt–Exempt) | The scheme provides tax exemption at all three stages of investment |
Also Read – Lado Lakshmi Yojana Mobile App Launched – Get the Direct Download Link
Withdrawal Rules in Sukanya Samriddhi Yojana
The withdrawal rules in Sukanya Samriddhi Yojana are designed to support a girl child’s education and marriage while keeping long-term savings secure. Partial withdrawal is allowed only after the girl turns 18 years old or after she passes Class 10, whichever is earlier. At this stage, up to 50% of the account balance available at the end of the previous financial year can be withdrawn. This amount is mainly meant for higher education expenses and can be taken in one lump sum or in installments, as per rules.
The full withdrawal is allowed only at the time of account maturity, which is after 21 years from the account opening date. The entire maturity amount, including interest, is paid to the girl child and is completely tax-free. In special cases such as the death of the account holder, the balance is paid to the guardian, while in cases of extreme hardship, premature closure may be allowed as per government guidelines.
Benefits of Sukanya Samriddhi Yojana Scheme
The Sukanya Samriddhi Yojana scheme offers multiple benefits for parents who want to secure the financial future of their girl child. It is a safe, long-term savings scheme with high returns and strong tax benefits.
- High Interest Rate: The scheme offers a higher interest rate compared to many savings accounts and fixed deposits, helping money grow faster through long-term compounding.
- Triple Tax Benefit (EEE): Investment qualifies for tax deduction under Section 80C, interest earned is tax-free, and the maturity amount is also fully exempt from income tax.
- Government-Backed & Risk-Free: Being supported by the Government of India, it is one of the safest savings schemes for a girl child.
- Low Minimum Investment: You can start the account with a minimum deposit of just ₹250 per year, making it affordable for all income groups.
- Flexible Deposits: Deposits can be made anytime during the financial year, up to a maximum of ₹1.5 lakh per year.
- Partial Withdrawal Facility: Up to 50% of the balance can be withdrawn after the girl turns 18 for higher education needs.
- Long-Term Wealth Creation: The long maturity period helps parents build a strong financial fund for their daughter’s education and marriage.
- Encourages Girl Child Savings: The scheme promotes disciplined saving habits focused on the future security of a girl child.
Conclusion
The Sukanya Samriddhi Yojana is one of the best government-backed savings schemes for securing the financial future of a girl child in India. With features like high interest rates, tax-free returns, long-term compounding, and complete safety, it offers an ideal combination of growth and security. Even small investments, such as ₹1,000 per month through the post office, can grow into a strong corpus over time.
By following disciplined savings and starting early, parents can easily plan for their daughter’s education and marriage expenses without financial stress. Overall, Sukanya Samriddhi Yojana is a reliable, tax-efficient, and long-term investment option that supports the vision of empowering the girl child and building a secure future.
Disclaimer
The information provided above is for educational purposes only and should not be considered financial or investment advice. Please consult a financial advisor before investing.
FAQs – Sukanya Samriddhi Yojana
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana is a government-backed savings scheme launched to secure the financial future of a girl child. It offers high interest, tax-free returns, and long-term savings benefits for education and marriage.
Sukanya Samriddhi Yojana kya hai?
Sukanya Samriddhi Yojana ek sarkari bachat yojana hai jo ladkiyon ke bhavishya ke liye banai gayi hai. Isme parents paisa jama karke education aur shaadi ke liye fund tayaar kar sakte hain.
How to open Sukanya Samriddhi account online?
Currently, full online account opening is not available. However, some banks allow partial online steps like form download and payment through net banking after visiting the branch once.
Can I open Sukanya Samriddhi account online?
No, the Sukanya Samriddhi account cannot be opened completely online. You must visit a post office or bank branch to complete the account opening process.
How to open Sukanya Samriddhi account?
You can open a Sukanya Samriddhi account at a post office or an authorized bank branch by submitting the account opening form, birth certificate of the girl child, and KYC documents of the guardian.
How to open Sukanya Samriddhi account in post office?
Visit the nearest post office, fill out the Sukanya Samriddhi account opening form, submit required documents, and make the initial deposit. The account will be opened in the girl child’s name.
How many years do we need to pay in Sukanya Samriddhi Yojana?
Deposits must be made for 15 years from the account opening date. The account matures after 21 years, during which interest continues to earn.
Is Sukanya Samriddhi Yojana tax-free?
Yes, Sukanya Samriddhi Yojana is completely tax-free under the EEE category. Investment, interest earned, and maturity amount are all exempt from income tax under Section 80C.
How to check Sukanya Samriddhi account balance?
You can check the account balance through:
1. Post office passbook
2. Bank net banking (if linked)
3. Mobile banking app (supported banks)
How to check Sukanya Samriddhi account balance by SMS?
Some banks provide SMS alerts for balance updates if your mobile number is registered with the account. Post office accounts generally require passbook updates.
How to check Sukanya Samriddhi account balance online?
If your account is with a bank and linked to net banking, you can check the balance online by logging into your bank’s website or mobile app.
How to pay Sukanya Samriddhi online?
Online payment is possible through net banking or standing instructions in supported banks. Post office payments usually need to be made offline.
How to download Sukanya Samriddhi Yojana statement online?
For bank accounts, log in to net banking and download the account statement. Post office account holders must visit the branch to update the passbook.
Sukanya Samriddhi Yojana kab shuru hui?
Sukanya Samriddhi Yojana was launched in 2015 under the Beti Bachao Beti Padhao initiative of the Government of India.
How to fill Sukanya Samriddhi Yojana form in post office?
Fill in details like the girl child’s name, date of birth, guardian information, address, and deposit amount. Attach required documents and submit it at the post office counter.
Sukanya Samriddhi Yojana ke bare mein bataen
Yeh yojana ladkiyon ke education aur shaadi ke liye long-term savings option deti hai jisme high interest, tax-free returns aur sarkari suraksha milti hai.
