How to Check Your Sukanya Samriddhi Account Balance Online?

The Sukanya Samriddhi Yojana was launched in 2015 under the Beti Bachao Beti Padhao campaign. This investment option encourages parents in India to save for their daughter's future education and expenses. You can see your Samriddhi Yojana Account balance at the bank or post office where you opened your account. You can also check it online using the login details provided by your bank.

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Post Office Sukanya Samriddhi Yojana Calculator

Latest SSY Interest Rate = 8.2%

Yearly Investment

You can invest maximum upto ₹1,50,000

Girl's Age

Maximum age should be 10 years

Start Year

Investment term is 21 years
Total Investment
Total Interest
Total Investment

Total Interest

Maturity Year

Maturity Value

Amount you will get
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What is Sukanya Samriddhi Account (SSA)?

Sukanya Samriddhi Account (SSA) is a special savings scheme launched by the Government of India, which primarily aims to promote the financial security of the girl child. It provides a platform for parents or guardians to save and invest for the future education and marriage expenses of their daughters.

This child plan offers attractive interest rates of 8.2% p.a. (January – March 2024) and tax benefits under Section 80C. This makes it an excellent choice for securing the financial future of the girl child.

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.

  1. 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.

    People also read: List of Banks Offering Sukanya Samriddhi Yojana

  2. 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.

Here are some simple steps to be followed to check the Sukanya Samriddhi Account balance online:

  • 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.

  • Step 2- Login With the Credentials: Enter the provided username and password into the bank's internet banking portal.

  • 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.


  • Understand that the above mentioned steps are primarily to check your Sukanya Samriddhi Yojana account balance. You can not make transactions by following this method.

  • However, you can make transactions online through the net banking services offered by your bank or Post Office. 

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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.

A Brief Overview of Sukanya Samriddhi Yojana (SSY)

Here are some highlights and benefits related to the Sukanya Samriddhi Yojana Scheme that will help you understand the policy 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 (Q4 of FY 2023-24) 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.

Total Number of SSA Accounts per Family

Family Composition Maximum Number of Accounts
Single girl child 1
Two girl child 2
Single girl child + Twins 3
Single girl child + Triplets 4
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People also read: Sukanya Samriddhi Yojana Calculator

How to Transfer Sukanya Samriddhi Yojana Account?

To transfer an SSY account from one bank to another, you can follow the steps below:

Step 1: Fill out an SSY transfer request form. You can get this form from the bank or post office where you have the existing account.

Step 2: Submit the form along with the following documents:

  • Original account opening form

  • Specimen signature

  • Certified copy of account statement or original updated passbook

  • Cheque/DD for the outstanding balance in the SSY account

Step 3: The existing bank/post office will arrange to send the original documents to the new bank branch along with the cheque/DD.

Step 4: The new bank branch will then create a new passbook with all of the account holder's information.


Some additional things to keep in mind when transferring an SSY account:

  • The transfer process can take up to 15 days.

  • There is no fee for transferring an SSY account.

  • You can only transfer an SSY account once.

  • If the account holder is a minor, the transfer request must be signed by the parent or guardian.

How to Close Sukanya Samriddhi Account?

There are two main scenarios for closing a Sukanya Samriddhi Account (SSA) prematurely (before maturity):

  1. Account closure due to unavoidable circumstances:

    • Death: In the unfortunate event of the account holder's or guardian's death, the account is closed automatically. The balance and accrued interest are paid to the nominee/legal heir.

    • Extreme compassionate grounds: This includes a life-threatening illness of the account holder. You'll need to submit a written application with supporting medical documents for approval by the account authorities.

    Documents required:

    • Prescribed application form for premature closure (available at the branch)

    • SSY Passbook

    • Death certificate (in case of demise)

    • Medical documents (for extreme compassionate grounds)

  2. Account closure for specific reasons:

    • Marriage: The account can be closed after the girl child completes 18 years of age and gets married.

    In both scenarios, you'll need to visit the branch (post office or bank) where the SSA account is held and submit the required documents. 

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. 


  • 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 check 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) 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 pay 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.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^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 lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.
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^^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.

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