SBI Sukanya Samriddhi Yojana: દીકરીને આપે છે પૂરા 15 લાખ રૂપિયા, જાણો કેવી રીતે અરજી કરવી?

SBI Sukanya Samriddhi Yojana : If you are an account holder with State Bank of India (SBI), here is a wonderful opportunity for you to secure your daughter’s future. SBI Sukanya Samriddhi Yojana offers a substantial sum of ₹15 lakh for your daughter after 15 years of an investment of just ₹250. In this article, we will provide you with a comprehensive overview of the scheme including the application process, required documents and eligibility criteria.

SBI Sukanya Samriddhi Yojana | SBI Sukanya Samriddhi Yojana

SBI Sukanya Samriddhi Yojana aims to provide a bright future for daughters across the country. By investing in this scheme, you can ensure a prosperous future for your daughter.

Name of the scheme SBI Sukanya Samriddhi Yojana
Name of the article SBI Sukanya Samriddhi Yojana
Type of article Government scheme
Who can apply? Every daughter of the country can apply in this scheme.
What is the mode of application? Must apply through offline.
Minimum premium amount Only ₹250
Total duration of the scheme Only 15 years
How much will be received on completion of the scheme 15 lakh rupees

Benefits of SBI Sukanya Samriddhi Yojana Account

Listed below are some significant benefits of SBI SSY:

  • High-Interest Rate: One of the most significant benefits of the SBI Sukanya Samriddhi Yojana Account is that it offers a high-interest rate of 7.6% per annum. This SSY interest rate is subject to change every quarter, but it is still much higher than most other savings schemes.

  • Portability: If the account holder wants to relocate, then Sukanya Samriddhi Yojana SBI offers you an option to transfer your account to another approved post office or bank.

  • Easy to Open: The SBI Sukanya Samriddhi Yojana Account can be easily opened at any SBI branch across India. Minimum documents are required for opening a bank account in SBI.

  • Tax Benefits: Investments made in SBI Sukanya Samriddhi Yojana Account are eligible for tax benefits under Section 80C of the Income Tax Act.

Required Documents for SBI Sukanya Samriddhi Yojana

To open an account under SBI Sukanya Samriddhi Yojana, you will need the following documents:

  • Aadhaar card of girl child
  • Aadhaar card of parents
  • Girl’s SBI bank account password
  • Active mobile number
  • Passport size photograph of girl child

Features of SBI Sukanya Samriddhi Account

Account Opening Criteria – An SBI Sukanya Samriddhi Yojana account can be opened by either biological parents or the legal guardians of a girl child through a minimum deposit of Rs.1,000. Two accounts are allowed in a family and a maximum of three accounts can be allowed in a family, in the case of the birth of twins/triplets. SSY Accounts can be opened at all the post offices and authorized bank branches across India.

Tenure – The tenure for an SSY account is 21 years or until the girl child marries after the age of 18. The account can be kept active for a maximum period of 21 years from the account opening date. Once this period is over, the SBI Sukanya Samriddhi account doesn’t earn any interest in it.

Age criteria – The account can be opened from a girl child’s birth until she attains an age of 10 years.

Deposit Criteria – A Sukanya Samriddhi Yojana in SBI can be opened with an initial deposit starting from as low as Rs. 250 per year and a maximum deposit of Rs.1.5 lakh is allowed in a year. Deposits can be made through cash and/or cheques.

Eligibility Criteria – This scheme is only valid for a girl child who is a resident of India. Female children with non-resident Indian status are not allowed to have an SSY account under their name. In case a girl child acquires the non-resident Indian status post getting an SBI Sukanya Samriddhi Yojana account opened, her parents/legal guardian should inform the respective SBI branch about this change within 1 month and based on which, the account will be closed.

Partial Withdrawal – Once the girl child has attained the age of 18 years, 50% of the funds can be withdrawn from the SBI Sukanya Samriddhi account for the purpose of higher education/marriage

Account Reactivation – A minimum deposit of Rs. 250 is required per year for at least 14 years to ensure the continuity of the account. If in any case this requirement is not met during any particular year, the account will be deactivated and can be revived by paying a fee of Rs.50 along with the minimum deposit amount

How to Apply for SBI Sukanya Samriddhi Yojana 

To apply for SBI Sukanya Samriddhi Yojana , follow these steps:

  • Visit your nearest SBI Bank branch.
  • Get SBI Sukanya Samriddhi Yojana Application Form.
  • Fill the application form carefully.
  • Ensure that all required documents are self-attested and attached with the application form.
  • Submit the completed application form and documents at the SBI bank branch.
  • Collect the receipt for future reference.

Important Link

SBI Sukanya Samriddhi Official Website Click here
home page Click here


If you deposit ₹1000 in Sukanya Yojana for 15 years, how much will you get in 18 years?

If you deposit ₹1000 per month for 15 years in Sukanya Yojana, you will get around ₹5,58,407 after 21 years at 8% interest rate.

If you deposit ₹250 for 14 years in Sukanya Yojana, how much will you get in 18 years?

If you deposit ₹250 per month for 14 years, when your daughter turns 18, you can withdraw 50% of the amount, which would be around ₹60,000.

What is the duration of the plan?

The total duration of this scheme is 15 years.

Is the maturity amount taxable?

No, the maturity amount received under the scheme is tax free.

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