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Sukanya Samriddhi Yojana (SSY)
How to Check Your Sukanya Samriddhi Account Balance Online?
The Sukanya Samriddhi Yojana encourages parents in India to save for their daughter's future education and expenses. The scheme facilitates various avenues for you to check your bank balance. You can check your Sukanya Samriddhi bank balance online as well as offline through your banking apps, post office e-portals, SMS, and physical visits.
Current interest rate
8.2%
Highest among all small savings schemes
Tax Benefit
₹1.5L
Annual deduction under Section 123 (formerly 80C)
Maturity At
21yrs
Or on her marriage after age 18
Flexible contribution
Start with ₹250 and invest up to ₹1.5L per year.
Sovereign guarantee
Backed by Government of India - zero default risk.
Triple tax benefit
EEE status - exempt on deposit, interest & maturity.
Partial withdrawal
Withdraw up to 50% after age 18 for higher education.
Inbuilt Life Cover
One Step Toward Your Daughter's Future
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Home
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Child Plans
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Sukanya Samriddhi Yojana
- How to Check Your Sukanya Samriddhi Account Balance Online?
Sukanya Samriddhi Yojana Calculator
Latest SSY interest rates: 8.20%
You can invest a maximum amount up to ₹1,50,000
Yearly
- ₹250
- ₹1,50,000
Govt. allows maximum age of enrollment to 10 years
Years
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
Investment term is 21 years
Year
Total investment
₹1.5 Lakh
Total interest
₹3.3 Lakh
Maturity year
2047
Maturity value
₹4.8 Lakh
*for market linked plans only
How to Check Sukanya Samriddhi Account Balance Online?
If you already have a Sukanya Samriddhi Yojana account, you can check your account balance online and offline. Let us discuss both ways in detail so that it is easy for you to know your Sukanya Samriddhi Yojana account balance.
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Offline
Currently, over 25+ banks are offering the Sukanya Samriddhi Yojana scheme. To know your account balance offline, all you need is a passbook of the account provided to you by your bank. For account balance inquiries, you have to visit your bank branch and get the passbook updated regularly.You can have a look at the list of banks offering sukanya samriddhi yojana to check if your bank offers the facility.
People also read: List of Banks Offering Sukanya Samriddhi Yojana
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Online
In the world of digitization, nobody wants to step outside their houses. The best way to be updated about your Sukanya Samriddhi Yojana account balance is by registering online.
Checking Sukanya Samriddhi Yojana Account Bank Balance through Net Banking
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Step 1- Apply for Login Credentials: Contact your respective bank and request Sukanya Samriddhi Yojana account credentials. Once received, you will gain access to operate your Sukanya Samriddhi Yojana account online.
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Step 2- Login With the Credentials: Enter the provided username and password into the bank's internet banking portal.
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Step 3- Access the Sukanya Samriddhi Yojana Homepage: Upon successful login, you will be directed to the homepage for Sukanya Samriddhi Yojana. Your SSY balance will be prominently displayed, typically in your account's dashboard column.
Banks Offering SSY
SSY Calculators
Indian Overseas Bank Sukanya Samriddhi Yojana
IndusInd Bank Sukanya Samriddhi Yojana
Yes Bank Sukanya Samriddhi Yojana
Bank of India Sukanya Samriddhi Yojana
Kotak Bank Sukanya Samriddhi Account
Andhra Bank Sukanya Samriddhi Account
UCO Bank Sukanya Samriddhi Yojana
IDBI Bank Sukanya Samriddhi Yojana
Expand
Indian Bank- Sukanya Samriddhi Yojana Calculator
Sukanya Samriddhi Yojana- Central Bank of India Calculator
Canara Bank- Sukanya Samriddhi Yojana Calculator
Bank of Maharashtra- Sukanya Yojana Calculator
Sukanya Samriddhi Yojana Calculator Bank of India
Sukanya Samriddhi Yojana Calculator - Union Bank
Sukanya Samriddhi Yojana Calculator-UCO Bank
Sukanya Samriddhi Yojana Calculator - State Bank of India
Expand
People also read: Child Education Plan
How to Check Sukanya Samriddhi Account Balance by SMS?
You can follow the below-mentioned steps to easily check your Sukanya Samriddhi account balance by SMS or obtain a mini statement:
Step 1- Register your Mobile Number: Type 'register' and send it to '7738062873' from the mobile number registered with the Post Office savings or current account.
Step 2- Confirmation of Registration: You will receive a confirmation message acknowledging your registration for SMS services.
Step 3- Check Balance: Once registered, to check your Sukanya Samriddhi account balance, type 'balance' and send it to '7738062873'.
Step 4- Get Mini Statements: If you want to access mini statements of your account, type 'mini' and send it to '7738062873'.
Step 5- Receive Information: Shortly after sending the SMS, you'll receive a response containing your requested balance or mini-statement details.
Checking Bank Balance of Sukanya Samriddhi Yojana Account Through the India Post Payments Bank
If you have an SSY account at the post office, you can use the IPPB app to check your bank balance.
- Step 1: Download the IPPB app and register using your Aadhaar-linked mobile number.
- Step 2: Navigate to the services section and choose the SSY account option
- Step 3: Enter your account details and view your current balance
Note that your mobile number needs to be linked with your SSY account. You can do so by visiting your home post office and getting your number linked to your account.
Checking Bank Balance Through Passbook Update Through Sukanya Samriddhi Yojana
You can easily check your account balance by visiting your nearest post office or bank branch where the account has been registered. You can take your passbook and get it printed. The passbook will display your bank balance and your transaction history.
A Brief Overview of Sukanya Samriddhi Yojana (SSY)
Here are some highlights and benefits related to the Sukanya Samriddhi Yojana that will help you understand the scheme better:
| Feature | Details |
| Scheme Name | Sukanya Samriddhi Yojana (SSY) |
| Launched By | Government of India |
| Scheme Type | Small Savings Scheme |
| Eligibility | Girl child up to 10 years old |
| Minimum Deposit | Rs. 250 per year |
| Maximum Deposit | Rs. 1.5 lakh per year |
| Interest Rates (Q2 FY 2024-25) | 8.2% p.a. |
| Tax Benefits | Tax deductions under Section 80C; Interest & Maturity tax-free |
| Account Maturity | 21 years from opening |
| Partial Withdrawal | Allowed for girl's higher education after 18 |
| Account Closure | Maturity or marriage after 18 |
| Online Account Opening | Not available. However, you can set standing instructions after opening the account. |
Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child
Standard T&C Apply *
People also read: Sukanya Samriddhi Yojana Calculator
Wrapping up
It is evident from the above discussion that the Sukanya Samriddhi Yojana is a very easy-to-manage scheme for any parent. With minimal premiums and attractive benefits, this scheme makes for a decent investment towards safeguarding the financial future of a girl child.
FAQs
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Can I get a loan against my Sukanya Samriddhi Account?
No, currently there is no facility to avail of a loan against your SSY account balance. The SSY scheme is designed specifically for long-term savings for a girl child's future needs. -
How can I access my Sukanya Samriddhi Account online?
Unfortunately, there is no direct online access system for SSY accounts yet. However, you can visit your bank branch or post office where your account is held and request a statement to track your balance and transaction history. -
Is there any app for Sukanya Samriddhi Account?
There is not a dedicated app specifically for SSY accounts. You can use your bank's mobile banking app (if it offers SSY account services) or the IPPB account to check account details linked to your bank. -
How can I access my Sukanya Samriddhi Account in SBI?
If your SSY account is held with SBI, you can visit your nearest SBI branch to inquire about accessing your account information. While there is not a dedicated online portal yet, SBI might offer options to view your SSY balance through their internet banking platform (if linked to your account). -
Can I deposit money in my Sukanya Samriddhi Account online?
Yes, you can make contributions to your SSY account online if your bank offers this functionality. Many banks allow online fund transfers to SSY accounts. Check with your bank for specific instructions on how to initiate online contributions.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.