Sukanya Samriddhi Yojana 2025: सुकन्या समृद्धि योजना

The Government of India has launched several schemes to secure and brighten the future of daughters. One of the major schemes is the Sukanya Samriddhi Yojana (SSY). This scheme was launched by Prime Minister Shri Narendra Modi on January 22, 2015, under the “बेटी बचाओ, बेटी पढ़ाओ” campaign. Its main objective is to provide financial assistance for the education and marriage of daughters.

This is a long-term savings scheme that allows parents or guardians to open an account in their daughter’s name and make regular deposits into it. The government offers attractive interest rates and also provides an income tax exemption.

Overview Of Sukanya Samriddhi Yojana

Subject	Description
Scheme Name	सुकन्या समृद्धि योजना (SSY)
Launch Year	2015 (Under the बेटी बचाओ, बेटी पढ़ाओ )
Beneficiaries	Daughters below 10 years of age
Account Opening Place	Post Office and Authorised Banks
Minimum Deposit Amount	₹250 per annum
Maximum Deposit Amount	₹1.5 Lakh per annum
Deposit Period	15 Years
Benefits	Funds for daughters’ education and marriage & etc
Tax Benefits	Up to ₹1.5 lakh exemption under the Income Tax Act 80C, interest and maturity amount are tax-free

Objectives Of सुकन्या समृद्धि योजना

The broad objectives of the Sukanya Samriddhi Yojana are as follows:

1. Financial security for girls’ education: Providing parents with sufficient funds to cover their daughters’ higher education expenses.
2. Financial support for marriage: Providing financial support to parents when their daughters get married.
3. Promoting savings and investment habits: Encouraging families to save regularly for their daughters.
4. Strengthening the Beti Bachao, Beti Padhao campaign: Contributing to providing education and equal rights to girls in society.
5. Securing girls’ future: Ensuring their daughters’ financial independence and security as they grow up.
6. Reducing parental anxiety: Relieving parents of the financial stress associated with their daughters’ education and marriage expenses.

Key Features of सुकन्या समृद्धि योजना

• Interest Rate: Currently (2025), this scheme offers an annual interest rate of 8.2%.
• Deposit Amount: A minimum of ₹250 can be deposited annually, and a maximum of ₹1.5 lakh can be deposited annually.
• Account Opening Age: The daughter must be under 10 years of age.
• Account Operating Period: Until the age of 21 from the date of account opening or until the daughter’s marriageable age (after 18 years).
• Deposit Period: Deposits must be made for only 15 years from the date of account opening.
• Account Opening Location: Any Post Office or authorised bank.
• Account Holder: The account will be opened in the daughter’s name, but will be operated by the parents/guardians.
• Tax Benefits: Deduction under Section 80C of the Income Tax Act.

Eligibility Criteria For Post Office Sukanya Samriddhi Yojana

To apply under the सुकन्या समृद्धि योजना, girls must meet the following eligibility criteria.

1. Daughter’s Age: The account can only be opened in the name of a girl under the age of 10.
2. Beneficiary: The account is available only to girl children who are residents of India.
3. Account Opener: The account can be opened by the daughter’s parents or legal guardians.
4. Maximum Accounts in a Family:
5. Accounts can be opened for a maximum of two daughters in a family.
6. If twins or triplets are born together, accounts are allowed for all of them.
7. Account Opening Location: The account can be opened at any post office or authorised bank.

Sukanya Samriddhi Yojana Benefits

• Sukanya Samriddhi Yojana interest rate 2025 offers a higher interest (8.2% in 2025) than regular savings accounts and many other schemes.
• When a daughter grows up, her education and marriage expenses can be easily met.
• Up to ₹1.5 lakh is eligible for deduction under Section 80C of the Income Tax Act. Interest and maturity proceeds are also tax-free.
• The account can be maintained by depositing just ₹250 annually, allowing even poor and middle-class families to benefit.
• Funds are accumulated in advance for future major expenses like marriage and education, relieving parents of worry.
• This scheme, like other schemes like the Ladli Behna Yojana, empowers women and daughters financially.
• This is a government-backed scheme, so the amount deposited is completely safe.
• 50% of the amount can be withdrawn for education expenses when the daughter turns 18.

Required Documents For This Scheme

There are some important documents required for सुकन्या समृद्धि योजना, which are given below:

1. Daughter’s birth certificate
2. Parents’ or guardians’ identity card
3. Address proof
4. PAN card
5. Passport-size photographs of the parent/guardian and daughter.
6. Declaration form

Sukanya Samriddhi Yojana Details

Deposit Rules

1. Minimum deposit – ₹250 per year.
2. Maximum deposit – ₹1.5 lakh per year.
3. Deposit period – Deposits must be made for 15 years from the date of account opening.
4. Deposit method – Cash, check, demand draft, or online transfer (depending on the bank).
5. If the minimum deposit (₹250) is not made in any year than the account becomes defaulted. It can be reactivated by paying a ₹50 penalty + the minimum deposit amount.

Withdrawal Rules

• 50% of the deposit can be withdrawn for education expenses when the daughter turns 18.

Full Withdrawal

• The entire amount (deposit + interest) can be withdrawn upon the daughter’s marriage (after 18 years).
• The full amount is automatically disbursed upon the account turning 21.
• Partial withdrawals are possible before 18 years only in special circumstances (such as serious illness).

Sukanya Samriddhi Yojana Interest Rate

1. The government sets the interest rate every quarter.
2. For the year 2025, this rate is 8.2% per annum.
3. Interest is compounded annually and paid out at maturity.
4. This interest rate is higher than that of regular savings accounts and fixed deposits.

Tax Benefits

1. Deduction on deposit amount: Up to ₹1.5 lakh is exempt under Section 80C of the Income Tax Act.
2. Interest exemption: There is no tax on the interest earned.
3. Maturity exemption: The entire amount received upon account closure is tax-free.

Sukanya Samriddhi Yojana Calculator Example

Suppose a parent deposits ₹50,000 every year for 15 years in this scheme for their daughter.

• Total deposit amount = 15 × 50,000 = ₹7,50,000
• Maturity amount including interest = ₹15-17 lakh (at an interest rate of 8.2%)

Annual Deposit Amount	Total Deposit (15 Years)	Estimated Maturity Amount (after 21 Years)
₹12,000 (₹1000/month)	₹1,80,000	₹4 – 4.5 Lakh
₹24,000 (₹2000/month)	₹3,60,000	₹8 – 9 Lakh
₹50,000 (₹4166/month)	₹7,50,000	₹15 – 17 Lakh
₹1,00,000 (₹8333/month)	₹15,00,000	₹30 – 34 Lakh

Post Office Sukanya Samriddhi Yojana Registration Process

• Obtain a सुकन्या समृद्धि योजना account opening form from your nearest post office or bank.
• This form can also be downloaded online from some banks’ websites.
• Enter the daughter’s name, date of birth, and parent/guardian details.
• Minimum amount to be deposited in the account (minimum ₹250).
• Daughter’s birth certificate.
• Parent/guardian’s Aadhaar card, PAN card, and address proof.
• Passport-size photo.
• Deposit at least ₹250 to open the account.
• If you wish to deposit more, you can deposit up to ₹1.5 lakh annually.
• After the account is opened, you will be given a passbook from the bank/post office.
• It will contain all the information, including the account number, deposit amount, and interest rate.

Authorised banks (like SBI, PNB, HDFC, ICICI, Bank of Baroda, etc.)

FAQ For सुकन्या समृद्धि योजना