How to Deposit Money Online in Post Office Sukanya Samriddhi Account

Sukanya Samriddhi Yojana is a savings scheme for the parents of a girl child launched by our Prime Minister Narendra Modiin 2015 under the “Beti Bachao Beti Padhao” campaign. It is a dynamic plan as it offers future security to your girl child and is also a good tax-saving option for you. 

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  • Save upto ₹46,800 in tax under Section 80(C)

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Today, as the world is rapidly moving towards digitalization, the Indian government is also trying to do so when it comes to your Sukanya Samriddhi Account. Not just in terms of opening one, now you can easily deposit money online to your Sukanya Samriddhi Yojana post office account. Let’s explore how you can deposit your money in Sukanya Samriddhi Account, but before that here are some highlights of the scheme that you should know.

Sukanya Samriddhi Yojana Account Highlights

Features Benefits
Interest rate 7.6% per annum
The minimum amount for opening an account INR 250/- every year
The Maximum Amount for opening an account INR 1,50,000/- every year
Who can open the account The Parent or legal guardian of the girl child
Age criteria Girl child below the age of 10
Maximum number of accounts 2 per family
Tenure of the scheme 21 years or until marriage after the age of 18
Account opening Only in the name of the girl child
Deductions Under section 80C of the Income Tax Act
Withdrawals Partial withdrawals can be made

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

“Tax benefit is subject to changes in tax laws. Standard T&C apply.”

Before learning about the steps involved in depositing your money to a Sukanya Samriddhi Yojana post office account, IPPB is an important aspect that should be studied.

What is IPPB?

Indian Postal Department has played a vital part in India’s communication network for ages. Today, to come at par with the leading banks in our country and to provide better digital services to the common man, the Indian Postal Department has come up with a new banking wing called Indian Post Payment Bank (IPPB).

Under the IPPB (Indian Post Payment Bank), all your post office transactions can be done online, just like any other regular bank. All you need to do for IPPB is visit your nearest post office once for basic registration and post that, you can easily carry all your post-office-related transactions online. From viewing the balance of any of your postal accounts to transferring money in different schemes, all can be done online just after you complete the IPPB registration.

Steps to Deposit Money In Sukanya Samriddhi Yojana Post Office

Sukanya Samriddhi Yojana Account is a must-have for every responsible parent of a girl child to build a corpus for her future financial needs. To deposit money in your existing Sukanya Samriddhi Yojana account, you have to follow these simple steps below:

  • Step 1: Add money from your normal savings account to the India Post Payment Bank’s (IPPB) savings account.

  • Step 2: Go to the Department of Post (DOP) product page and select Sukanya Samriddhi Yojana Account.

  • Step 3: Mention the credentials of your Sukanya Samriddhi Yojana account, including the account number and customer ID provided by the Department of Post (DOP).

  • Step 4: Once you successfully log in, you can transfer money from IPPB to the Sukanya Samriddhi Yojana scheme. This transfer can be made to any other designated scheme by the Department of Post as well.

  • Step 5: Select the installation duration and amount agreed during the time of purchase of the Sukanya Samriddhi Yojana scheme.

  • Step 6: India Post Payment Bank will notify you of the successful payment transfer on your registered mobile number.


A recently launched online application by the government, DakPay supports post office and IPPB payments as well. Just like making any other payment through applications like PayTM or Google Pay, DakPay facilitates services like transferring money by scanning QR codes.

Now, if you want to buy the Sukanya Samriddhi Yojana scheme for your daughter, here are two simple ways by which you can purchase this scheme.

Open A New Sukanya Samriddhi Yojana Account

  1. Offline

    There are two ways to open Sukanya Samriddhi Yojana offline, that is, with the bank or at the post office.

    • Visit the post office/bank.

    • Fill in the Sukanya Samriddhi Yojana application form with the details of your daughter.

    • Take her birth certificate, aadhaar card, pan card, and all other necessary documents of the child with you.

    • After verification, your account will be opened and the passbook will be handed over to you.

  2. Online

    Considered a much easier option than visiting the bank branch, buying online is the way to go if you want to save time. To open your Sukanya Samriddhi Yojana account online, all you have to do is:

    • Check the official website of the bank you wish to have an account with.

    • Fill in all the required information of the child and the parents in the form as required.

    • Attach scanned copies of all the mentioned certificates and address proofs.

    • Click on the submit button and your Sukanya Samriddhi Yojana is good to go.

Wrapping It Up

Sukanya Samriddhi Yojana is a scheme specially designed for girl children so that parents do not face any financial problems while raising them. Easy to open with minimal premium payment options, the Sukanya Samriddhi Yojana scheme can truly be very beneficial and hence should be bought by every responsible parent of a girl.

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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