How to Open a Sukanya Samriddhi Account Online in the Post Office?

Opening a Sukanya Samriddhi Account is a significant step for parents and guardians aiming to secure the financial future of their girl child through disciplined savings. While the scheme is widely accessible through post offices across India, many individuals seek the convenience of online account opening. However, it is important to note that currently, a Sukanya Samriddhi Yojana account at the post office cannot be opened online you must visit your local branch in person. Understanding the procedures and the extent of digital services available is essential for anyone looking to initiate a Sukanya Samriddhi Account at the post office.

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What is Post Office Sukanya Samriddhi Yojana?

The Post Office Sukanya Samriddhi Yojana is a government-backed savings scheme specifically designed for the financial security of girl children in India. Available at all post office branches, this scheme allows parents or legal guardians to open an account in the name of a girl child below 10 years of age. With a minimum deposit of ₹250 and a maximum of ₹1.5 lakh per financial year, the scheme offers an attractive interest rate—currently 8.2% per annum, compounded annually. The account matures after 21 years from the date of opening or upon the marriage of the girl after she turns 18. The scheme also allows partial withdrawals for education or marriage expenses once the girl turns 18 or passes the 10th standard.

Sukanya Samriddhi Yojana Calculator

Latest SSY interest rates: 8.20%

I want to invest

You can invest a maximum amount up to ₹1,50,000

Yearly ₹

₹250
₹1,50,000

My daughter's age

Govt. allows maximum age of enrollment to 10 years

Years

I want to start investing in

Investment term is 21 years

Year

Total investment

₹1.5 Lakh

Total interest

₹3.3 Lakh

Maturity year

2047

Maturity value

₹4.8 Lakh

Explore Tax Saving Funds

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How to Open a Sukanya Samriddhi Account Online in the Post Office?

Currently, you cannot open a Sukanya Samriddhi Yojana scheme account online through the Post Office. The process requires a physical visit to a post office branch with the necessary documents and forms. While India Post offers some online services for registered users, account opening for SSY is not yet available digitally.

Step by Step Process

Download and Fill the Application Form
- Download the Sukanya Samriddhi Account opening form (Form SSA-1) from the India Post website or collect it at your local post office.
- Fill in the required details using capital letters.
Gather Required Documents

You will need:
- Birth certificate of the girl child
- Address proof of the guardian/parent (Aadhaar, Voter ID, etc.)
- Identity proof of the guardian/parent
- Passport-size photographs of the applicant and the guardian
Visit the Nearest Post Office
- Go to your local post office branch with the filled application form and all supporting documents.
Submit Documents and Make Initial Deposit
- Submit the form and documents to the counter staff.
- Make an initial deposit (minimum ₹250, maximum ₹1.5 lakh per financial year).
- The deposit can be made via cash, cheque, or demand draft.
Account Processing and Passbook Issuance
- The post office will process your application and verify the documents.
- Once approved, your Post Office Sukanya Samriddhi Yojana Account will be opened, and a passbook will be issued as proof of account.

What Can Be Done Online?

Online Payments:

After the account is opened, you can make deposits online using the India Post Payments Bank (IPPB) mobile app. This allows you to transfer funds, set up standing instructions, and manage payments to your Sukanya Samriddhi Yojana account.
Account Management:

Some services, such as checking balances or viewing transactions, may be available online for registered India Post users

NOTE:

Check the updated Sukanya Samriddhi Yojana interest rates (SSY interest rates), as they can impact the overall growth of your investment.
You must utilize the Sukanya Samriddhi Yojana Calculator (SSY Calculator) to estimate the maturity amount and monthly/yearly contributions based on your investment amount and duration.

Documents Are Required to Open a Sukanya Samriddhi Account Online in the Post Office

To open a Sukanya Samriddhi Account at the post office (even if you initiate the process online, physical document submission is required), you must provide the following documents:

Filled Sukanya Samriddhi Account Opening Form (Form SSA-1):

Available at the post office or for download online.
Birth Certificate of the Girl Child:

This serves as proof of age and identity of the beneficiary.
Photographs:

Passport-size photographs of the girl child and the parent/guardian are generally required.
KYC Documents of the Parent/Guardian:
- Identity Proof: Aadhaar card, PAN card, passport, voter ID, or any government-issued ID.
- Address Proof: Aadhaar card, passport, utility bill, ration card, bank statement, or any valid government-issued address proof.
Initial Deposit Slip:

Proof of the initial deposit (minimum ₹250), which can be made via cash, cheque, or demand draft.

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Conditions About Sukanya Samriddhi Yojana - Post Office Account

Particulars	Details
Interest Rates	8.2% per annum for the financial year Q1 2025-26
Age Criteria	Girl child of less than 10 years of age
No. of Sukanya Samriddhi Yojana Accounts	Up to a maximum of 2 accounts are allowed per family (Except in case of second girl child as twins or triplets).
Contribution Period	Maximum 15 years
Maturity Period	Earlier of 21 years or till the girl child's marriage
Minimum Deposit Amount	₹250
Maximum Deposit Amount	₹1.5 lakhs
Taxability	Tax deductions are available under Section 80C of the Income Tax Act of 1961. You get tax-free interest earnings and maturity amount.

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 Samridhi Yojana

Kotak Bank Sukanya Samriddhi Account

Bank of Maharashtra Sukanya Samriddhi Yojana

Andhra Bank Sukanya Samriddhi Account

UCO 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

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Conclusion

Opening a Sukanya Samriddhi account online through the post office is a convenient and straightforward process. By following the outlined steps and utilizing the provided guidance, one can easily set up this beneficial savings scheme for the future education and welfare of their daughter.

Frequently Asked Questions

How to open a Sukanya Samriddhi Account in the Post Office online?

Unfortunately, you cannot currently open a Sukanya Samriddhi Account (SSY) online through the post office. You will need to visit your local branch in person.
Can I login to Sukanya Samriddhi online?

Once the account is active, you can check your balance or deposit money in the SSY account through net banking. There is no direct login to the account.
Which bank is best for Sukanya Samriddhi Yojana?

There is not necessarily a best bank for SSY. The interest rate and other features are the same across all authorized banks and post offices offering the scheme. You can choose based on convenience, your existing banking relationship, or any online account management features they might offer.
Can we transfer online to the post office Sukanya Samriddhi Account?

While you cannot directly open your SSY account online, some banks might allow online fund transfers to these accounts. However, it is advisable to confirm this option with your specific bank before initiating any transfers.
How much does it cost to open a Sukanya Samriddhi Account?

Opening a Sukanya Samriddhi account typically has no charges. The minimum initial deposit is ₹250 up to a maximum of ₹1.50 lakhs annually, but there is no account opening fee.
What is Sukanya Samriddhi Yojana 1000 per month?

Sukanya Samriddhi Yojana 1000 per month likely refers to the minimum annual deposit requirement of ₹1,000. You can start the account with ₹250 and then add money in multiples of ₹100, up to ₹1.50 lakhs per annum.
Do we need to pay monthly for Sukanya Samriddhi Yojana?

No, monthly contributions are not mandatory for SSY. However, to maintain an active account, you need to deposit a minimum of ₹1,000 within a financial year (April 1st to March 31st). You can choose to deposit this amount at once or spread it out throughout the year up to a maximum of ₹1.5 lakhs per annum.
What are the tax implications of the Sukanya Samriddhi Yojana?

As per the Income Tax Act, 1961, all the SSY investments are EEE (Exempt, Exempt, Exempt). The account holder would receive tax deduction benefits under this scheme up to Rs 1.5 lacs per annum. Disclaimer: Tax benefit is subject to changes in tax laws.
What is the process of transferring money in my post office Sukanya Samriddhi Account through the India Post Payments Bank?
The following are the steps involved if you want to transfer your money to your post office SSA through IPPB:
- Add funds to your IPPB account from your bank account.
- Navigate through the website and select Sukanya Samriddhi Account.
- Enter your SSY account number and customer ID.
- Now, choose the amount you want to pay as your installment.
- Also, select the duration of each installment.
- After payment is successful, IPPB will send you a notification as confirmation.
Does SSY offer a facility for partial withdrawal? What are its rules?

Yes, a partial withdrawal facility is available under the SSY scheme. However, the facility would come into action only after the girl child attains the age of 18 years. After that, 50% of funds are available for withdrawal from the post office SSA.
Would I be able to earn more interest if I deposit more than the maximum limit?

No, funds deposited exceeding the maximum limit of Rs 1.5 lacs would not earn any interest. The depositor could withdraw the excess amount at any time.
I want to transfer my bank SSA to my post office. Can I do this?

Yes, transferring SSA from banks to post offices or vice versa is possible. The transfer is free of cost. The only requirement is proof of a change of residence which you have to submit. Failure in showing the proof would mean a charge of Rs 100.

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