Sukanya Samriddhi Yojana 2025

Sukanya Samriddhi Yojana 2025: The Government Of India Has Launched Various Schemes To Protect The Future Of Girls, The Most Popular Scheme Is Sukanya Samrudhi Yojana (SSY). The Scheme Was Launched On 22 January 2015 By The Honorable Prime Minister Of India, Shri Narendra Modi. It Is An Important Part Of The Betty Save, Betty Padha Campaign. Under This Scheme A Savings Account Is Opened In The Name Of A Daughter, In Which Investing Money From A Young Age Provides Strong Financial Support For The High Cost Of Children's Higher Studies And Marriage In The Future.

Sukanya Samriddhi Yojana 2025: Overview

Name of Scheme : Sukanya Samriddhi Yojana
Started Date: 22 January 2015
Current Year: 2025
Started By: Government Of India (Under Beti Bachao, Beti Padhao Abhiyan)
Beneficiary: Girls Below 10 Years Of Age
Benefits: Savings For Daughters' Higher Education And Marriage Expenses.
Maximum Accounts: 2 Girls Per Family (3 In Special Circumstances)
Minimum Annual Investment: ₹250
Maximum Annual Investment: ₹1,50,000
Interet Rate (As On 2024-25): Approx. 8% (Changes Every Quarter)
Official Website: https://www.india.gov.in/sukanya-samriddhi-yojna

When can the account be opened

From the birth of the daughter till the daughter turns 10 years old...
After the daughter turns 10 years old, you cannot take advantage of this scheme.
Two accounts for up to 2 daughters
3 accounts only if there are twins daughters

Bank can I open an account

You can open an account in any post office or nationalized bank

Documents Required

Proof of daughter's date of birth
ID proof of parents
Proof of residence

How long to pay money

The term of the scheme is 21 years.
21 years are counted from the date of opening the account
The money is only valuable for 15 years...
No money is to be paid for 6 years..
It is advisable to open the account from the time of the birth of the daughter
If the daughter is 8 years old at the time of opening the account, then
The money will be received when the daughter turns 29.. (8+21=29)

Can money be withdrawn in between

When the daughter turns 18 years old, a maximum of 50% of the amount can be withdrawn for studies or marriage..
The remaining amount will be withdrawn after the term ends...
If the marriage happens before the term, then the account will be closed.

How much interest do you get

The interest rate is not fixed.
The interest rate changes every three months.
Before April 20, the interest rate was 8.4%.

Installment is forgotten in between

Money has to be paid for 15 years.
If any installment is not paid in between, the account will be closed
The account can be reopened by paying a penalty.
Can you provide your bank account number
There must be a balance in the account..

Interest rate is 8.4%, then

If you pay Rs.250/- per month, then in 21 years, you will get Rs.1,42,558/-
If you pay Rs.500/- per month, then in 21 years, you will get Rs.2,85,101/-
If you pay Rs.1000/- per month, then in 21 years, you will get Rs.5,70,000/-

How To Open Sukanya Samriddhi Account Post Office

Some Public And Private Sectors BANK (Such As SBI, PNB, Bank Of Baroda, ICOCI Bank, Axis Bank Etc.)
Account Opening Form (Form Will Be Available From Post Office/Bank)
Get The Sukanya Samriddhi Account Opening Form And Fill It Carefully.
Fill In The Correct Details Like Name Of The Girl Child, Date Of Birth, Address, Number Of Children Etc. In The Form.
Attach Photocopies Of All The Necessary Documents With The Form.
Keep The Original Documents For Verification.
The Minimum Amount To Be Deposited While Opening The Account Can Be Started With ₹250.
You Can Also Deposit More Amount (Up To A Maximum Of ₹1.5 Lakh In A Year).
After Opening The Account, Your Sukanya Samriddhi Account Will Be Opened.
You Will Be Given An Account Passbook, Which Contains Your Account Number, Balance And Other Details.

Important Links

Official Website : Click Here
Sukanya Samriddhi Yojana 2025 Calculator : Click Here

Important Notes

This Amount Can Be Deposited Every Year.
Money Can Be Deposited Every Year For Up To 15 Years To Invest Safely.
After 15 Years, Interest Will Continue To Be Paid On The Deposited Amount, But The Repayment Period Is Up To 21 Years.
Up To 50% Of The Amount Can Be Withdrawn For The Child's Education After Attaining The Age Of 18.
After Attaining The Age Of 21, The Account Can Be Closed.