The Sukanya Samriddhi Yojana 2026 interest rate is 8.2% a year for October to December 2026. The finance ministry kept it unchanged in its office memorandum of 30.09.2026, as it has in every quarterly review since July 2025. The next review, for January to March 2027, is due by 31.12.2026. A deposit of ₹1.5 lakh a year for 15 years comes to about ₹71.8 lakh at maturity at this rate, tax free.
Sukanya Samriddhi Yojana 2026 – Key Details
| Sukanya Samriddhi Yojana 2026 | Official record |
|---|---|
| Interest rate | 8.2% a year for October to December 2026, unchanged since July 2025. |
| Minimum annual deposit | ₹250. |
| Maximum annual deposit | ₹1,50,000. |
| Account tenure | 21 years from the account opening date. |
| Partial withdrawal | Allowed after the girl turns 18, for education. |
| Accounts per family | Maximum 2, or 3 in case of twins or triplets. |
| Tax benefit | EEE, so deposit, interest and maturity are all tax-free. |
Important Links
| Link | Status |
|---|---|
| Rate notice for October to December 2026 | Click here · Opens, dated 30.09.2026 |
| Rate notice for July to September 2026 | Click here · Opens |
| Rate notice for April to June 2026 | Click here · Opens |
| DEA Sukanya Samriddhi Account page | Click here · Live |
| NSI Sukanya Samriddhi page | Click here · Live |
| India Post | Click here |
| National Savings Institute | Click here |
| MP Ladli Behna | Click here |
| Open an account at SBI | Click here |
Note: The three rate notices are one-page office memoranda that say only that rates stay unchanged. The notice of 30.09.2026 is a scanned page with no table of rates in it, so the 8.2% figure traces back through the earlier notices to the rate set for July 2025. Lakhpati Didi helps SHG women cross Rs 1 lakh of annual income. PM Vidyalaxmi gives 3% interest support on education loans under the Rs 8 lakh income rule. MP Ladli Behna pays Rs 1,500 a month in Madhya Pradesh, and its page covers e-KYC and instalment status.
Why Choose Sukanya Samriddhi Yojana
| Sukanya Samriddhi returns | Detail |
|---|---|
| Compared with FDs and PPF | A better return than most fixed deposits and PPF, government-backed. |
| Compounding | The 8.2% rate compounds annually on the balance. |
| Example maturity | ₹1.5 lakh a year for 15 years grows to about ₹71.8 lakh at 21 years. |
SSY offers a better return than most fixed deposits and PPF, backed by the government. The 8.2% rate applies to the balance year on year, compounding annually. A deposit of ₹1.5 lakh every year for 15 years generates a maturity amount of over ₹70 lakh at current rates, completely tax-free.
Eligibility
| Sukanya Samriddhi eligibility | Rule |
|---|---|
| Girl child age | Below 10 years, and an Indian resident. |
| Who opens it | The biological parents or a legal guardian. |
| Accounts per family | Maximum 2, or 3 for twins or triplets. |
| Accounts per girl | Only one account per girl child. |
- Indian resident girl child below 10 years of age
- Account opened by biological parents or legal guardian
- Maximum 2 accounts per family (3 for twins or triplets)
- One account per girl child only
Using an Account
| Opening an account | What to do |
|---|---|
| Where to open | Any post office or authorised bank such as SBI, PNB or Bank of India. |
| Form | Fill the Sukanya Samriddhi Yojana account opening form. |
| Initial deposit | Minimum ₹250, submitted with the documents. |
| Passbook | Issued on opening and used for deposits and tracking. |
- Visit any post office or authorised bank branch (SBI, PNB, Bank of India, etc.)
- Fill the Sukanya Samriddhi Yojana account opening form
- Submit required documents and initial deposit (minimum ₹250)
- Passbook issued. Use for future deposits and tracking
Documents Required
| Documents required | What to bring |
|---|---|
| Birth certificate | The girl child’s birth certificate. |
| Parent ID | Parent or guardian’s Aadhaar card and PAN card. |
| Address proof | A valid address proof. |
| Photographs | Passport-size photographs. |
- Girl child’s birth certificate
- Parent or guardian’s Aadhaar card and PAN card
- Address proof
- Passport-size photographs
Partial Withdrawal and Closure Rules
| Withdrawal and closure | Rule |
|---|---|
| Partial withdrawal | Up to 50% of the balance after 18, for higher education. |
| Premature closure | Allowed on marriage after age 18. |
| Maturity | At 21 years from opening, the full amount is tax-free. |
- After girl turns 18: up to 50% of balance can be withdrawn for higher education
- Premature closure allowed on marriage after age 18
- Account matures at 21 years from opening, full amount withdrawn tax-free
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Frequently Asked Questions
What is the Sukanya Samriddhi interest rate in 2026?
8.2% a year. The finance ministry kept it unchanged for every quarter of 2026 so far, most recently for October to December 2026 in its notice of 30.09.2026.
When will the next SSY interest rate be announced?
The rate for January to March 2027 is due by 31.12.2026. The October to December 2026 rate was announced on 30.09.2026 and stays at 8.2%.
How much will ₹1.5 lakh a year in SSY give at maturity?
About ₹71.8 lakh after 21 years at 8.2%, on ₹22.5 lakh deposited over 15 years, assuming the rate stays the same.
Up to what age can a Sukanya Samriddhi account be opened?
Until the girl turns 10. A family can open 2 accounts, or 3 for twins or triplets.
When can money be withdrawn from SSY?
Up to 50% of the balance after the girl turns 18, for education. The account matures 21 years after opening.