Sukanya Samriddhi Yojana Passbook Online

The Sukanya Samriddhi Yojana (SSY) is a government scheme in India promoting girl child education and well-being. The account holders have relied on physical passbooks to track deposits and monitor their SSY accounts. However, with the growing emphasis on digitalization, some banks now offer online access to these passbooks.

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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

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Amount you will get
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What is Sukanya Samriddhi Yojana?

Sukanya Samriddhi Yojana (SSY) is a government savings scheme in India specifically designed for the benefit of girl children. It falls under the "Beti Bachao Beti Padhao" initiative, which aims to empower girls through education and financial security.

Here are the key features of SSY:

  • The account can be opened for a girl child up to 10 years old.

  • A minimum deposit of ₹250 is required, with a maximum of ₹1.5 lakh per year.

  • SSY offers a competitive interest rate of 8.2% p.a. compounded annually (FY2024-205) set by the government.

  • The account matures 21 years after opening or when the girl turns 21 (whichever happens later).

Online Passbook for Sukanya Samriddhi Account

An Online Passbook for a Sukanya Samriddhi Account doesn't exist for all banks, but it functions similarly to the traditional passbook you receive when opening the account.

The Sukanya Samriddhi account passbook is a physical booklet that contains important information about the account, including:

  • Account holder's name, date of birth, and address

  • Account number

  • Account opening date

  • Deposit history with transaction amounts

This passbook is updated whenever a deposit or withdrawal is made and should be presented when making deposits or closing the account.

While not all banks offer an online version of the passbook yet, some may allow you to check your balance online through their banking portal. This online access would likely mirror the information found in the passbook and provide real-time updates on your account activity.

People also read: Child Education Plan

How to Check Your Sukanya Samriddhi Account Balance Online?

Currently, not all banks in India offer online access to Sukanya Samriddhi Account online. Here's what you can do:

  • Check with your bank: The first step is to inquire with the bank or post office where you opened your Sukanya Samriddhi Yojana account. They can confirm if they offer online access to account information and guide you on how to set up online banking if available.

  • General process (if online access is available): You'll likely need to use their internet banking portal. Here's a general guideline on how it might work:

    • Visit your bank's website and log in to your internet banking portal using your login credentials.

    • Navigate to the section dedicated to your Sukanya Samriddhi Account. This might be under a tab labelled "Deposits" or "Government Schemes."

    • Look for a feature like 'e-Passbook' or 'Account Statement'.

    • Once you access it, you should be able to see your account details and transaction history, similar to a physical passbook.

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  • Alternatives if online access unavailable: If your bank doesn't offer online access, you can still check your balance through other methods:

    • Physical Passbook: The traditional method is to use your physical passbook. Deposits and withdrawals are recorded here, and you can calculate your current balance. Make sure your passbook is updated regularly.

    • Customer Care: You can contact your bank's customer care service and inquire about your account balance.

How To Obtain Sukanya Samriddhi Yojana Account Passbook?

You don't need to take any specific steps to obtain a Sukanya Samriddhi Yojana (SSY) account passbook. Here's what happens:

  • When you open an SSY account at a bank branch or post office, they will usually provide you with a passbook free of charge.

  • This passbook serves as a record of your account activity and contains details such as:

    • Account holder's name, date of birth, and address

    • Account number

    • Account opening date

    • Deposit history with transaction amounts

  • You may need to present the passbook when depositing or closing the account.

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People also read: Government Schemes for Girl Child

Benefits of Online Access to Your Sukanya Samriddhi Passbook

There are several benefits of the online facility if your bank offers the online service. Below are some of the benefits:

  • 24/7 Access: Check your account balance and transaction history anytime, anywhere, from any device with internet access.

  • Real-Time Updates: Online access provides real-time updates on your account activity, reflecting recent deposits or withdrawals immediately.

  • Reduced Paperwork: Eliminate the need to carry and maintain a physical passbook, reducing clutter and the risk of losing it.

  • Detailed Transaction History: You might be able to view a more detailed breakdown of transactions compared to the physical passbook, making it easier to track specific deposits or withdrawals.

  • Downloadable Statements: Some banks might allow you to download your account statements in a digital format for easy record-keeping or sharing with tax authorities if needed.

Sukanya Samriddhi Yojana Interest Rate

The current interest rate for Sukanya Samriddhi Yojana (SSY) is 8.2% per annum. This interest is compounded annually, meaning the interest earned is added to the principal amount each year, further increasing the overall earnings on your deposit.

It's important to note that the interest rate for SSY is set by the government and may change quarterly.

Sukanya Samriddhi Yojana Calculator

A Sukanya Samriddhi Yojana calculator is an online tool that helps you estimate the future value of your investment in the SSY scheme. Simply enter details like your annual contribution amount and your daughter's birth year. The calculator then factors in the current interest rate (which can change) to give you an idea of the total amount you can expect at maturity, including accumulated interest. This helps you plan your contributions and understand how much the SSY account can potentially grow for your daughter's future.


While not all banks provide online access yet, it presents a promising step towards a more convenient and efficient way to manage your SSY account. As more banks adopt this feature, it can empower parents or guardians to seamlessly manage their daughter's SSY account and plan for her future.


  • How can I get a Sukanya Samriddhi account passbook online?

    Not all banks offer online passbooks yet. Check with your bank to see if they have online access to SSY accounts.
  • How can I get my Sukanya Samriddhi statement online?

    Similar to the passbook, online statement access depends on your bank. If online access exists, you'd likely access it through your bank's internet banking portal.
  • Is there any app for the Sukanya Samriddhi account?

    There isn't a dedicated app specifically for SSY accounts yet. However, some banks might allow managing your SSY account through their general banking app if they offer online access.
  • How can I get a Sukanya Samriddhi certificate?

    You typically don't receive a separate certificate for an SSY account. The passbook itself serves as a record of account openings and details.
  • What if my bank doesn't offer online access to the SSY passbook?

    If online access isn't available, you can still check your balance through the following:
    • Use your physical passbook to track your balance by adding deposits and subtracting withdrawals.

    • Contact your bank's customer care and inquire about your account balance.

  • Are there any security concerns with online access to my SSY account?

    As with any online banking, it's crucial to follow best practices like using strong passwords and enabling two-factor authentication (2FA) if offered by your bank.

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