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. Opening a Sukanya Samriddhi Account at the post office is a popular way for parents and guardians to secure the financial future of their girl child. Traditionally, making deposits into this account required visiting the post office in person, but with the increasing focus on digital services, you can now deposit money online into your Post Office SSY Account, making the process faster, more convenient, and accessible from anywhere

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Sukanya Samriddhi Yojana Account Highlights

Features Benefits
Interest rate 8.2% per annum
Minimum amount for opening an account ₹250/- every year
Maximum Amount for opening an account ₹1,50,000/- every year
Who can open the account Parents or legal guardians 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 for purposes like marriage and higher education
You can now easily open a Post Office Sukanya Samriddhi Yojana online payment account, which will simplify the process and make it more accessible to parents and guardians from anywhere with internet access.

*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.”

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
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Investment term is 21 years
Year
Total investment
₹1.5 Lakh
Total interest
₹3.3 Lakh
Maturity year
2047
Maturity value
₹4.8 Lakh
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*for market linked plans only

What is India Post Payments Bank (IPPB)?

IPPB stands for India Post Payments Bank. It's a payments bank launched by the Indian government in 2018 with the aim of making banking services accessible to everyone in the country, especially those in rural and underbanked areas. It's not a separate social security scheme but a banking service offered by the Indian Post that allows you to manage some existing social security schemes, like the Sukanya Samriddhi Yojana (SSY).

Under the IPPB (Indian Post Payment Bank), all your post office transactions, including Post Office Sukanya Samriddhi Yojana online payment, 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. After that, you can easily carry out all your post-office-related transactions online.

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Steps to Deposit Money In Post Office SSY Online Payment Account

For Post Office Sukanya Samriddhi Yojana online payment and to deposit money in your account, you have to follow these simple steps:

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) web page and choose 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.

People also read: Sukanya Samriddhi Yojana Calculator

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DakPay

A recently launched online application by the government, DakPay supports Post Office Sukanya Samriddhi Yojana online payment account and IPPB payments as well. DakPay, a digital payment app by India Post and India Post Payments Bank (IPPB), offers diverse financial services to Indian users. It includes:

    1. UPI Money Transfers:

      Send and receive money instantly via BHIM UPI.

    2. Offline and Online Payments:

      Make cashless payments at stores using QR codes.

    3. Multi-Bank Account Management:

      Link over 200 bank accounts, including Post Office Sukanya Samriddhi Yojana online payment account for easy transfers.

    4. Account Balance Inquiry:

      Check balances within the app.

    5. Beneficiary Management:

      Save contacts for faster transactions.

    6. Aadhaar-Enabled Services:

      Withdraw and deposit cash using Aadhaar.

    7. Utility Bill Payments:

      Pay bills conveniently through the app.

People also read: Child Education Plan

Open a New Post Office Sukanya Samriddhi Yojana Online Payment Account

  1. Offline

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

    • Visit the post office/bank.

    • Fill in the SSY 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

    Consider 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 Post Office SSY online payment account, 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 the submit button, and your SSY account is ready.

Wrapping It Up

Depositing money online into your Post Office Sukanya Samriddhi Account has become a simple, secure, and efficient process thanks to digital advancements like the IPPB mobile app and online banking services. This convenient method eliminates the need for physical visits to the post office, saving you valuable time and effort while ensuring your contributions are made promptly and safely. By embracing these online facilities, you can easily manage your Sukanya Samriddhi Account and continue investing in your daughter’s future with confidence and peace of mind.

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FAQs

  • What do I need to start depositing online?

    You need:

    • An active Sukanya Samriddhi Account at the post office

    • An India Post Payments Bank (IPPB) account

    • The IPPB mobile banking app installed and registered on your phone

    • Internet access and your bank account details for transferring funds

  • Are there any charges for depositing money online?

    There are no additional charges for depositing money online into your Sukanya Samriddhi Account via the IPPB app. However, it’s advisable to check the latest fee structure on the IPPB website or app for any updates.

  • Is it safe to deposit money online in the Sukanya Samriddhi Account?

    Yes, depositing money online through the official IPPB app or portal is safe and secure. Always use official apps and websites, and do not share your login credentials with anyone.

  • What should I do if my online deposit fails or is not credited?

    If your deposit fails or is not credited, check your transaction history in the IPPB app. If the issue persists, contact IPPB customer care or visit your nearest post office with transaction details for assistance.

  • What is the current interest rate for the Sukanya Samriddhi Yojana (SSY), and how often is it revised?

    The SSY interest rate is currently 8.2% per annum for the July to September 2025 quarter. The government reviews and can revise the SSY interest rate every quarter, so it may change periodically based on official notifications.

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*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.
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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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