Minimum Deposit
Min ₹250 / FY
Maximum Deposit
Max ₹1,500,000 / FY
Scheme Tenure
21 Years (Deposit for 15 Yrs)
Tax Status
100% Tax-Free (EEE Status)
Official Rules & Key Features
- Highest Interest Yield: 8.2% p.a. compounded annually.
- 15-Year Deposit Window: Deposits are required for only first 15 years from account opening.
- Higher Education Withdrawal: Up to 50% of balance at age 18 allowed for higher education.
- Maturity: Account matures upon completion of 21 years or marriage after age 18.
- Sovereign Security: 100% government guarantee with EEE tax exemption.
Eligibility & Who Can Open Account
- Girl Child resident in India aged below 10 years.
- Account opened by biological parents or legal guardian.
- Maximum 2 accounts per family (3 in case of twin/triplet girls).
Taxation Rules
100% Tax-Free (EEE Status). Sec 80C deduction up to ₹1.5 Lakh. Interest and maturity proceeds 100% tax-free.
Premature Closure
Allowed after age 18 on marriage of girl child or under compassionate medical grounds.
Required KYC & Verification Documents
Girl Child Birth Certificate, Guardian Aadhaar & PAN Card, photos.
Calculate Returns
Estimate exact maturity yield, monthly interest payout, or premium quotes for Sukanya Samriddhi Account (SSY).
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