Sukanya Samriddhi Yojana (SSY)

How to Deposit Money Online in Post Office Sukanya Samriddhi Account

The Post Office Sukanya Samriddhi Yojana is a government -backed small savings scheme which allows parents to invest to secure the future of their daughter. With the advent of digital banking, parents can easily transfer money into their daughter’s Post Office SSY account through various digital channels, making the process easier, faster and more accessible.

Read more
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
Flexible contribution

Start with ₹250 and invest up to ₹1.5L per year.

Sovereign guarantee
Sovereign guarantee

Backed by Government of India - zero default risk.

Triple tax benefit
Triple tax benefit

EEE status - exempt on deposit, interest & maturity.

Partial withdrawal
Partial withdrawal

Withdraw up to 50% after age 18 for higher education.

In-Built life cover
One Step Toward Your Daughter's Future
+91
Secure
We don’t spam
Please wait. We Are Processing..
Your personal information is secure with us
By continuing you agree to receive assistance and agree to our Privacy Policy, Terms of Use & +Disclaimers #Discount offered by insurance company

Ways to Deposit Money Online into Your Sukanya Samriddhi Account

Your Post Office Sukanya Samriddhi Yojana Account can be funded online through various methods. The online payment methods for depositing money in your post office SSY account are listed below:

  • India Post Payments Bank (IPPB) Mobile App: Use if you do not own a post office savings account and wish to use the IPPB mobile app.
  • Department of Posts e-Banking Portal: Use if you own a post office savings account and wish to use the online portal to make payments.
  • Through NEFT: Your Post Office SSY account can be funded online via fund transfer through NEFT. This method can be used to directly fund your Post Office SSY account from any bank.
Investment Investment
Secure Secure
Child Banner
Secure your child’s future with or without you
Start Investing
₹10,000/Month
& Get
₹1 Crore*
*Standard T & C Apply

Steps to Deposit Money Online in Post Office SSY Account

Here are the steps to deposit money in your Post Office Sukanya Samriddhi Yojana account through different methods:

  1. Through the IPPB Mobile App

    The IPPB mobile app is a popular way to fund your SSY account at the Post Office. You need to have an IPPB account to make payments through this method. To make a transaction from the IPPB mobile app, follow the steps below:

    • Step 1: Download the IPPB app from the Play Store or the App Store and register for an IPPB account.
    • Step 2: Fund your IPPB account with any of your bank accounts.
    • Step 3: Navigate to DOP services or Post Office Services
    • Step 4: Choose the Sukanya Samriddhi Account
    • Step 5: Enter your SSY account number and your DOP customer ID
    • Step 6: Enter the amount you wish to transfer and instalment duration
    • Step 7: Press Pay and enter the OTP received on your number
    • Step 8: You will receive the payment confirmation through SMS
  2. Through the India Post e-Banking Portal

    You can use the India Post e-banking portal to transfer money from your Post Office savings account into your Post Office SSY account, provided that both accounts are held at core banking solution post offices. Here are the steps to fund your SSY account through the India Post e-Banking Portal:

    • Step 1: Register and log in to the India Post e-banking portal with your valid credentials.
    • Step 2: Go to General Services, then select Requests or Fund Transfer and choose Other Post Office Account.
    • Step 3: Select your linked Post Office savings account as the source and enter your Sukanya Samriddhi Yojana account number, Customer ID, and deposit amount.
    • Step 4: Confirm the payment by entering your transaction password.
  3. Through the NEFT Method

    You can follow the steps below to fund your Post Office SSY account through the NEFT method:

    • Log in to your net banking portal
    • Go to the Payment or Transfer options
    • Enter the account holder’s name and SSY account number
    • Select Inter Bank Transfer and enter the India Post IFSC Code as IPOS0000DOP.
    • Select the transfer mode as NEFT and enter the deposit amount.
    • Confirm the payment using your bank’s authorisation method.
Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child View Plans
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child View Plans
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child View Plans
Standard T&C Apply *

Post Office Sukanya Samriddhi Yojana Account Highlights

Here is an overview of the Sukanya Samriddhi Yojana, covering key details such as eligibility, interest rate, deposit amount, etc:

Particulars Details
Who can Apply Only parents or the legal guardians of the girl child
Age Criteria Girl child of less than 10 years of age
Citizenship The girl child must be a citizen of India
Interest Rate 8.2% per annum for the financial year (Q2 FY 2026-27)
No. of Accounts Maximum of 2 SSY accounts per family (if twin or triplet girls are born in the first or second birth)
Contribution Period 15 years from the date of account opening
Maturity Period 21 years from the date of account opening
Minimum Deposit Amount ₹ 250/financial year
Maximum Deposit Amount ₹ 1.5 lakhs/financial year
Taxability Deduction benefits on deposits of up to 1.5 lakh/year under Section 80C of the Income Tax Act in the Old Tax Regime; interest is tax free under Section 10.

Tax benefit is subject to changes in tax laws.

Wrapping It Up

The feature of online deposits in the Post Office SSY account makes it one of the best child plans to invest in. You can use these payment methods to fund your daughter’s SSY account from anywhere, at any point in time.

FAQs

  • What details do I need to deposit money in the Post Office SSY account?

    To start online deposits in your SSY account, you will need the following:
    • An active Sukanya Samriddhi Account at the post office
    • An India Post Payments Bank (IPPB) account or a Post office savings account, depending on the method of payment.
    • Internet access and your bank account details for transferring funds.
  • Are there any conditions to use NEFT for online deposit in the Post Office SSY account?

    Yes, the users must satisfy the following conditions to deposit money online in their Post Office SSY account through NEFT:
    • The sukanya samriddhi yojana account should not have any pending previous years’ defaulted subscription.
    • The fund transfer should be in multiples of ₹50.
  • Are there any charges for depositing money online in a Post Office SSY account through the IPPB app?

    There are no additional charges for depositing money online into your Post Office Sukanya Samriddhi Account via the IPPB app.
  • What should I do if my online deposit fails or is not credited into my Post Office SSY account?

    If your deposit fails or is not credited, check your transaction history in the IPPB app/e-banking portal. If the issue persists, contact customer care or visit your nearest post office with transaction details for assistance.
  • Can I open a Sukanya Samriddhi Yojana Account online at the Post Office?

    No, a Post Office Sukanya Samriddhi Account cannot be opened online. The parent or legal guardian must visit their local Post Office and submit the account-opening form and required documents to open an account.

CHILD Plans Articles

Recent Articles
Popular Articles
Karnataka Bank Education Loan

03 Nov 2026

Karnataka Bank lends to students in recognised professional and
Read more
Education Loan in Hyderabad

03 Nov 2026

Hyderabad has a large base of engineering, medical, pharmacy
Read more
Education Loan in Telangana

03 Nov 2026

Students across Telangana take education loans for engineering
Read more
Education Loan in Ahmedabad

03 Nov 2026

Ahmedabad is home to reputed educational institutions offering
Read more
Education Loan in Surat

03 Nov 2026

Students planning to pursue higher education in India or
Read more
Prime Minister Schemes For Boy Child
  • 05 Apr 2022
  • 51963
Prime Minister Schemes for the boy child are government-backed schemes which can help parents generate a healthy
Read more
SBI Life Child Plan Calculator
  • 01 Jul 2021
  • 19945
Rising education costs can make it difficult to calculate how much you need to invest in a child plan. The SBI
Read more
Kanyashree Online 9.0 Portal
  • 03 Aug 2026
  • 10495
The Kanyashree Online 9.0 is the West Bengal Government ’s latest official portal to manage the Kanyashree
Read more
Post Office Savings Scheme for Girl Child
  • 29 Apr 2022
  • 32271
Post Office savings schemes in India provide parentswith a reliable way to ensure that their girl-child’s
Read more

˜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 Insurance Brokers Private Limited 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.

Claude
top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL