Sukanya Samriddhi Yojana 2025: A Comprehensive Guide for Parents

Introduction to Sukanya Samriddhi Yojana

The Government of India has launched the Sukanya Samriddhi Yojana (SSY) to secure and enhance the future of daughters. This initiative is specifically designed for girls under the age of 10, aiming to create a solid financial foundation for their education and marriage expenses.

Parents or guardians can open an account in their daughters' names and make regular investments. Recently, the facility to fill out the online application form has been introduced, simplifying the application process significantly.

The primary goal of this scheme is to empower daughters financially while encouraging families to save for their daughters' education and development. The government offers attractive interest rates on investments in this scheme, which increase over time. Additionally, tax exemptions on the deposited amount make it a popular savings option. This article will delve into the details of the Sukanya Samriddhi Yojana, explain the online application process, and provide insights into its benefits, rules, and required documents.

Overview of Sukanya Samriddhi Yojana 2025

The Sukanya Samriddhi Yojana is a government-backed savings scheme aimed at opening accounts in the name of daughters. It was initiated under the Government of India's “Beti Bachao, Beti Padhao” campaign. The main objective is to secure the future of daughters by providing financial assistance for their education and marriage. Investors in this scheme receive good interest after a fixed period, along with tax benefits on the deposited amount.

Key Objectives

• Provide financial security for daughters


• Promote the Beti Bachao, Beti Padhao campaign


• Create funds for education and marriage


• Encourage families to save

Online Application Process

You can now fill out the online application form for the Sukanya Samriddhi Yojana. This has made the application process simpler and faster. You can download the form from the respective bank or post office's website, fill it out, and submit it along with the necessary documents. Some banks and post offices also accept online deposits, making it possible to invest from home.

Summary of Key Details

















































Detail Information

Scheme Name	Sukanya Samriddhi Yojana
Launch Date	January 22, 2015
Beneficiary	Girls under 10 years
Age Limit for Account Opening	0 to 10 years
Minimum Deposit	₹250 per year
Maximum Deposit	₹1,50,000 per year
Interest Rate (2024-25)	8.2% per annum (as determined by the government)
Account Duration	21 years (from account opening)
Tax Benefits	Tax exemption under Section 80C
Maximum Accounts	Accounts can be opened for two daughters in a family

How to Fill the Online Form

Applying online for the Sukanya Samriddhi Yojana has become very easy. Follow these steps to fill out the form:

Visit the official website of the bank or post office.

Download the application form for the Sukanya Samriddhi Yojana.

Fill in the required information such as the girl's name, date of birth, parent/guardian's name, address, etc.

Scan and upload documents like the birth certificate and the guardian's Aadhar card, PAN card.

Make the initial deposit payment online (if online deposit is available).

Verify the form and submit it.

Receive confirmation from the bank or post office regarding the form and account opening.

Essential Details to Provide

• Girl's Name (Primary Account Holder)


• Girl's Date of Birth


• Parent or Guardian's Name (Joint Holder)


• Deposit Amount and Payment Method


• Birth Certificate Details


• Guardian's ID Proof (Aadhar, PAN, Driving License, etc.)


• Address Proof


• Nomination Details

Benefits of the Scheme

• High Interest Rate: The scheme offers a government-determined interest rate of 8.2% per annum, which is higher than other savings schemes.


• Tax Benefits: Investments in this scheme qualify for tax deductions under Section 80C.


• Safe Investment: This scheme is government-backed, ensuring the safety of your investment.


• Long-Term Savings: Interest is earned on the deposited amount for 21 years after account opening.


• Online Convenience: Online application and payment facilities are now available.


• Accounts for Two Daughters: Accounts can be opened for two daughters in a family.

Required Documents

• Girl's Birth Certificate


• Parent or Guardian's Aadhar Card


• Parent or Guardian's PAN Card


• Address Proof (like electricity bill, ration card, etc.)


• Passport-sized photos (of both the girl and the guardian)

Application Process Offline Application Process

• Visit the nearest bank branch or post office.


• Obtain the application form for the Sukanya Samriddhi Yojana.


• Fill out the form correctly.


• Attach the required documents.


• Submit the form along with the minimum deposit amount.


• Receive confirmation of account opening.

Online Application Process

• Go to the respective bank or post office's website.


• Download the Sukanya Samriddhi Yojana form.


• Fill out the form and upload the necessary documents.


• Make the online deposit payment.


• Submit the application and receive confirmation.

Interest Rate and Deposit Limits

































Detail Information

Current Interest Rate	8.2% per annum (FY 2024-25)
Minimum Deposit	₹250 per year
Maximum Deposit	₹1,50,000 per year
Deposit Duration	Mandatory deposits for 15 years after account opening
Total Account Duration	21 years (after account opening)
Penalty for Non-Deposit	₹50 per year

Rules and Conditions

• The girl must be between 0 to 10 years old at the time of account opening.


• A maximum of two accounts can be opened for daughters in a family.


• The minimum deposit must be ₹250 per year.


• Regular deposits are mandatory for 15 years after account opening.


• The account can be closed after 21 years from the date of opening.


• If deposits are not made regularly, the account will default, which can be reactivated with a ₹50 penalty.

Frequently Asked Questions (FAQs)

1. Is it safe to fill out the online form for Sukanya Samriddhi Yojana?
Yes, filling out the form on the official government and bank websites is secure.

2. Can I make online deposits?
Yes, many banks and post offices offer online payment facilities.

3. Are there tax exemptions in this scheme?
Yes, investments in this scheme qualify for tax deductions under Section 80C of the Income Tax Act.

4. Can more than two accounts be opened for daughters in a family?
No, a maximum of two accounts can be opened for daughters in a family under this scheme.

5. What documents are required to open an account?
A birth certificate of the girl, the guardian's Aadhar card, PAN card, address proof, and photographs are required.