Independent site — not affiliated with the Government. We never ask for Aadhaar, bank details or OTP.Updated 2 Nov 2026, 02:20 IST
हिंदी

Sukanya Samriddhi 2026: Eligibility, Benefits & How to Apply

Sukanya Samriddhi Yojana (Sukanya Samriddhi Account) (सुकन्या समृद्धि योजना (सुकन्या समृद्धि खाता)) — 8.2% a year savings for a girl child (Oct–Dec 2026) · Girls below 10 (account opened by a parent)

Ongoing

8.2% a year savings for a girl child (Oct–Dec 2026) — Girls below 10 (account opened by a parent)

LATEST · 30 Sept 2026Finance Ministry kept small savings rates for 1 Oct – 31 Dec 2026 (Q3 FY 2026-27) unchanged from the previous quarter. dea.gov.in ↗
Official site: nsiindia.gov.in ↗

Source: nsiindia.gov.in · checked 21 Oct 2026

Sukanya Samriddhi quick answers

What you get8.2% a year savings for a girl child (Oct–Dec 2026)nsiindia.gov.inWho can get itGirls below 10 (account opened by a parent)See eligibilityHow to applySee the stepsOfficial websitensiindia.gov.inCentral government

Benefit

  • Interest rate: 8.2% per annum for Q3 FY 2026-27 (1 Oct – 31 Dec 2026); the rate is notified by the Government every quarter.
  • Interest is calculated monthly and credited at the end of each financial year.
  • Deposits qualify for deduction under Section 80C; interest earned is tax-free under Section 10 of the Income Tax Act.
  • Government guarantees the principal and the interest payable.
  • Deposit a minimum of ₹250 and a maximum of ₹1.5 lakh in a financial year (later deposits in multiples of ₹50), for up to 15 years from opening.
  • Account matures 21 years after opening; if not closed at maturity, it earns interest at the Post Office Savings Account rate.
  • Withdraw up to 50% of the previous year-end balance for education once the girl turns 18 or passes Class 10, whichever is earlier.
  • Account can be transferred anywhere in India.

Source: nsiindia.gov.in ↗ · 21 Oct 2026

Latest official updates

  • Finance Ministry kept small savings rates for 1 Oct – 31 Dec 2026 (Q3 FY 2026-27) unchanged from the previous quarter.dea.gov.in ↗
  • Small savings rates for 1 Jul – 30 Sep 2026 (Q2 FY 2026-27) kept unchanged from Q1.dea.gov.in ↗
  • Small savings rates for 1 Apr – 30 Jun 2026 (Q1 FY 2026-27) kept unchanged from Q4 FY 2025-26.dea.gov.in ↗
  • PIB: SSY gives 8.2% a year; total deposits since launch have crossed ₹3.33 lakh crore (December 2025).pib.gov.in ↗

Am I eligible for Sukanya Samriddhi?

Who can apply

Tick each line that is true for you.

Not eligible (exclusions)

Source: pib.gov.in ↗ · 21 Oct 2026

How to apply

Steps

  1. Visit any post office, or a branch of a public sector bank or an authorised private bank (HDFC Bank, Axis Bank, ICICI Bank, IDBI Bank).
  2. Fill the Sukanya Samriddhi Account opening form.
  3. Attach the girl's birth certificate, Aadhaar number and PAN (or Form 60).
  4. Make the first deposit of at least ₹250.
  5. Deposit at least ₹250 every financial year for 15 years to keep the account active.

Documents

  • Sukanya Samriddhi Account opening form (available at the bank/post office)
  • Birth certificate of the girl child
  • Aadhaar number
  • PAN or Form 60

Source: pib.gov.in ↗ · 21 Oct 2026

What changed on this page

· Finance Ministry kept small savings rates for 1 Oct – 31 Dec 2026 (Q3 FY 2026-27) unchanged from the previous quarter.

· Small savings rates for 1 Jul – 30 Sep 2026 (Q2 FY 2026-27) kept unchanged from Q1.

· Facts checked against the official sources on 21 Oct 2026.

Spotted something wrong? Report a correction