The Sukanya Samriddhi Yojana 2026 (SSY) is a government-backed savings scheme for girl children, offering one of the highest guaranteed returns in India — currently 8.2% per annum for Q2 2025-26. The account can be opened at any post office or participating bank before the girl turns 10. All deposits qualify for ₹80C deduction, interest is tax-free, and the maturity amount is also exempt. Last updated: 17.05.2026.
Sukanya Samriddhi Yojana 2026 – Key Details
| Detail | Info |
|---|---|
| Current Interest Rate | 8.2% per annum (Q2 2025-26) |
| Minimum Annual Deposit | ₹250 |
| Maximum Annual Deposit | ₹1,50,000 |
| Account Tenure | 21 years from account opening date |
| Partial Withdrawal | Allowed after girl turns 18 (for education) |
| Accounts per Family | Maximum 2 (3 in case of twins or triplets) |
| Tax Benefit | EEE — deposit, interest, maturity all tax-free |
Sukanya Samriddhi Yojana 2026 – Important Links
| Description | Link |
|---|---|
| Open Account – India Post | Click Here |
| Open Account – SBI | Click Here |
| Official Scheme Page | Click Here |
| National Savings Institute | Click Here |
Why Choose Sukanya Samriddhi Yojana
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
- 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
How to Open an Account
- 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
- Girl child’s birth certificate
- Parent or guardian’s Aadhaar card and PAN card
- Address proof
- Passport-size photographs
Partial Withdrawal and Closure Rules
- After girl turns 18: up to 50% of balance can be withdrawn for higher education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- Account matures at 21 years from opening — full amount withdrawn tax-free
Important Links for Sukanya Samriddhi Yojana 2026 – 8.2% Return & Apply
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