Sukanya Samriddhi Yojana 2026 interest rate is 8.2% per annum — highest among small savings schemes. Open account for girl child (0–10 years) at any post office or bank. ₹1.5 lakh annual investment eligible for 80C deduction.
सुकन्या समृद्धि योजना 2026 में 8.2% ब्याज दर — सभी छोटी बचत योजनाओं में सबसे अधिक। 0–10 साल की बेटी के लिए डाकघर या बैंक में खाता खोलें। ₹1.5 लाख तक निवेश पर 80C में छूट।
About this scheme
Sukanya Samriddhi Yojana 2026 — 8.2% Interest Girl Child Savings Scheme
✅ 8.2% p.a. interest + full tax exemption (80C) for girl education & marriage
Full Scheme Details →Sukanya Samriddhi Yojana (SSY) is the Government of India's dedicated savings scheme for the girl child, offering the highest interest rate of 8.2% per annum among all small savings schemes — higher than PPF (7.1%), NSC (7.7%) or Fixed Deposits. It was launched as part of the "Beti Bachao Beti Padhao" campaign and gives parents a safe, tax-free way to build a corpus for their daughter's education and marriage.
Sukanya Samriddhi Yojana — Key Facts 2026
| Parameter | Details |
|---|---|
| Interest Rate | 8.2% per annum (compounded annually) |
| Minimum Deposit per Year | ₹250 |
| Maximum Deposit per Year | ₹1,50,000 |
| Account Maturity | 21 years from date of opening |
| Eligible Girl's Age | 0 to 10 years at account opening |
| Max Accounts per Family | 2 (one per girl child; twins/triplets = exception) |
| Tax Benefit | EEE — Investment, Interest and Maturity all tax-free |
| 80C Deduction | Up to ₹1.5 lakh per year |
How to Open a Sukanya Samriddhi Account
At Post Office
- Visit your nearest Head Post Office or Sub Post Office
- Ask for Sukanya Samriddhi Yojana account opening form
- Fill the form with girl's name, date of birth, guardian's details
- Submit documents + initial deposit (minimum ₹250)
- Passbook issued immediately
At Authorised Banks
Available at: SBI, Post Office, Bank of India, Canara Bank, Punjab National Bank, Bank of Baroda, Indian Bank, ICICI Bank, HDFC Bank, Axis Bank, and 20+ other banks.
Documents Required
- Girl child's birth certificate (mandatory)
- Parent/Guardian's Aadhaar card
- Parent/Guardian's PAN card
- Address proof (Aadhaar / Voter ID / Utility bill)
- Passport-size photos of guardian
Withdrawal Rules
- Partial withdrawal (50%): Allowed after girl turns 18 — for higher education expenses only (with admission proof)
- Full maturity withdrawal: At 21 years from account opening — full corpus + interest is paid out tax-free
- Premature closure: Allowed after girl turns 18 for marriage expenses (with marriage certificate, not before 1 month of marriage date)
- Account closure on girl's death: Full balance paid to guardian immediately
Returns Calculator — What ₹1,000/Month Becomes
| Monthly Investment | Years Invested | Maturity Value (approx) |
|---|---|---|
| ₹1,000/month (₹12,000/yr) | 15 years | ~₹5.4 lakh |
| ₹5,000/month (₹60,000/yr) | 15 years | ~₹27 lakh |
| ₹12,500/month (₹1.5 lakh/yr) | 15 years | ~₹67 lakh |
(Calculations at 8.2% compounding. Actual maturity may vary based on rate revisions.)
Why Choose SSY Over Other Options?
- 8.2% rate is much higher than bank FD rates (6.5–7.5%) and PPF (7.1%)
- Completely tax-free — no tax on interest earned, no tax at maturity
- Government-backed — 100% safe, no market risk
- 80C deduction saves ₹46,800/year for those in 30% tax slab investing ₹1.5 lakh
Helpline
India Post Helpline: 1800-266-6868 (toll-free)
NSI (National Savings Institute): nsiindia.gov.in
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🇮🇳 हिंदी में पढ़ें (Read in Hindi)
सुकन्या समृद्धि योजना 2026 में 8.2% ब्याज दर मिलती है — सभी सरकारी बचत योजनाओं में सबसे अधिक। 0–10 साल की बेटी के लिए डाकघर या बैंक में खाता खोलें।
मुख्य तथ्य
- न्यूनतम जमा: ₹250/वर्ष
- अधिकतम जमा: ₹1.5 लाख/वर्ष
- परिपक्वता: खाता खुलने से 21 वर्ष बाद
- 80C में ₹1.5 लाख तक की छूट
- ब्याज और मैच्योरिटी पूरी तरह टैक्स फ्री
खाता कैसे खोलें?
नजदीकी डाकघर या SBI, PNB, BOB, Canara Bank में जाएं। बेटी का जन्म प्रमाण पत्र, अभिभावक का आधार और PAN कार्ड लेकर जाएं। न्यूनतम ₹250 जमा करके खाता खुल जाएगा।
हेल्पलाइन: 1800-266-6868
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