👧 What is Sukanya Samriddhi?
Sukanya Samriddhi Yojana is a government savings scheme for girl children. Parents can invest for daughter's education and marriage expenses.
Simple Meaning:
Save for your daughter's bright future
✅ Eligibility Rules
Girl Child Age
0 to 10 years (at account opening)
Number of Accounts
Maximum 2 per family
Who Can Open
Parents or legal guardians
💰 Investment Rules
Minimum: ₹250 per year
Maximum: ₹1,50,000 per year
Payment Period: 15 years from opening
Maturity: 21 years from opening
Frequency: Monthly, quarterly, yearly
📊 Real Example
Daughter's Age: 5 years
Annual Investment: ₹1,50,000
Investment Period: 15 years
Interest Rate: 8.2% per year
At Age 26 (Maturity):
Total Invested: ₹22,50,000
Interest Earned: ₹42,00,000
Maturity: ₹64,50,000
💸 Withdrawal Rules
After 18 Years
50% for higher education
After 21 Years
Full amount for marriage
Early Closure
After 5 years (special cases)
🎯 Tax Benefits
Investment Deduction
Section 80C - up to ₹1.5L
Interest Tax-Free
No tax on yearly interest
Maturity Tax-Free
Final amount completely exempt
🏦 How to Open Sukanya Samriddhi Account
Where to Open
- Any bank branch
- Post office
- Online banking
- Authorized banks only
Documents Required
- Girl child's birth certificate
- Parent's Aadhaar & PAN
- Address proof
- Passport size photos
Initial Deposit
- Minimum ₹250
- Maximum ₹1,50,000
- Cash or cheque
- Online transfer
❓ Frequently Asked Questions
Can I open account for adopted daughter?
Yes, you can open Sukanya Samriddhi account for legally adopted girl child with proper adoption documents.
What if I miss annual payment?
Account becomes inactive. You can reactivate by paying ₹50 penalty plus minimum annual contribution.
Can daughter operate account after 18?
Yes, after 18 years, the girl child can operate the account herself with proper documents.
What happens if girl child dies?
Account can be closed immediately and full amount with interest is paid to parents/guardians.
🔗 Related Tools & Guides
Secure Your Daughter's Future
Open Sukanya Samriddhi account today and build a strong financial foundation for her dreams.