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How to Open Sukanya Samriddhi Account (SSY) - The Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme specifically designed for the welfare of a girl child. It allows a parent or a guardian to open an account in the name of a girl child until she turns 10 years old. This initiative aims to encourage long-term savings for a girl’s future, especially for her education and marriage.

Sukanya Samriddhi Yojana: What is it?

The Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme designed to help parents or guardians secure the financial future of their daughters, specifically for their education and marriage expenses. It is part of the Government of India’s “Beti Bachao – Beti Padhao” (Save the Girl Child – Educate the Girl Child) initiative, aiming to bring a shift in societal perspectives towards girls.

The SSY account can be opened at post offices and select banks authorized by the government. One of the key benefits of the Sukanya Samriddhi Yojana is the attractive interest rate, which is higher than many other small savings schemes. Moreover, it offers tax benefits under Section 80C, allowing deductions of up to Rs 1.5 lakh, making it a favorable option for long-term savings.

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Who Can Open a Sukanya Samriddhi Account?

A Sukanya Samriddhi Account (SSY) can be opened by the natural or legal guardian of a girl child when she is born until she turns 10 years old. The account can only be opened in the name of the girl child, and the depositor is allowed to open two accounts for a maximum of two girls.If there are twin girls or if a single birth results in three girl children, the guardian is permitted to open a third account in the name of one of the girls.

Characteristics of a Sukanya Samriddhi Account

The Sukanya Samriddhi Yojana (SSY) offers several key benefits for saving for a girl child's future:

• Interest Rate: The SSY offers an attractive annual interest rate of 7.6%, which is subject to change periodically, with the rate effective from July 1, 2021, until September 30, 2021.
• Minimum Deposit: The minimum deposit amount required to open an SSY account is just Rs. 250.
• Maximum Deposit: A maximum of Rs. 1.5 lakh can be deposited into the account in a given financial year.
• Deposit Flexibility: Deposits can be made in any amount, either monthly or annually, with no restrictions on the number of deposits within a year.
• Tax Benefits: Contributions made to the SSY account qualify for tax deductions under Section 80C, up to a limit of Rs. 1.5 lakh per year.
• Deposit Duration: Deposits can be made into the SSY account for a period of 15 years, starting from the account’s opening date.
• Maturity and Withdrawal: The account matures after 21 years. Upon maturity, the girl child can claim the full amount, including the interest earned, by submitting the necessary identity, residency, and citizenship documents.

Documents Required to Open an SSY account

• Birth certificate of the girl child
• Photo ID of parents or legal guardian
• Address proof of parents or legal guardian
• Photograph of the child and parent

Process in Steps to open Sukanya Samriddhi Account

• Complete the form.
• Send in the documents and photographs.
• Deposit money (Minimum of Rs 1,000).
• Deposits can be made after the account has been opened using cash, checks, or demand drafts.

How Can I Open a Sukanya Samriddhi Account?

To open a Sukanya Samriddhi Yojana (SSY) account, you can visit a participating Post Office or a bank. Here's how you can open the account:

• Visit the nearest branch of a bank or Post Office that offers the SSY scheme.
• Fill out the application form, providing the required details, and submit the necessary documents.
• Make the initial deposit, which can be made in cash, by cheque, or demand draft. The deposit amount must be between Rs. 250 and Rs. 1.5 lakh.
• Once your application and payment are processed, the account will be opened.
• A passbook will be issued to you as confirmation of your SSY account being activated.

The Sukanya Samriddhi Yojana account is designed to secure a future for your daughter with attractive interest rates and tax benefits.

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How can I fill out the Post Office Sukanya Samriddhi Yojana form?

Here’s how you can fill out the Post Office Sukanya Samriddhi Yojana (SSY) form:

• Branch Information: Write the name of the Post Office branch where you are opening the SSY account.
• Existing Account Details: If you have any existing savings account with the Post Office, mention the account number.
• Post Office Address: Under the section "To The Postmaster," include the address and details of the Post Office branch.
• Applicant’s Photograph: Paste the applicant's photograph on the right side of the form.
• Applicant's Name: Write the applicant’s name below the phrase “I/We” and mention "Sukanya Samriddhi Yojana" after it.
• Box Information: Skip the section in the box, as it is for new Post Office savings accounts only.
• Account Holder Type: Tick the relevant account type in the "Account Holder Type" box. If unsure, ask the Post Office staff for assistance.
• Account Type: Mark the appropriate account type (there will usually be one option for SSY).
• Deposit Amount: Specify the amount you wish to deposit in the newly opened SSY account. Mention the amount both in figures and words.
• Payment Method: Choose the payment method, such as cash, cheque, or demand draft. For cheques or DD, mention the cheque/DD number and its date.
• Personal Information: Fill in the required details, including the applicant’s name, gender, Aadhaar number, PAN, address, and other personal information.
• Signature: At the bottom of Page 1, the applicant(s) must sign to confirm they’ve read and understood the entire form.
• Standing Instructions: If you want to set up standing instructions for regular payments, provide the necessary details in Section 5 on Page 2.
• SSA Confirmation: Check the box next to SSA to confirm that no additional SSY accounts have been opened in the depositor’s name.
• Signature and Date: After filling the form, sign and mention the date.
• Nomination Details: Complete the nomination section with the nominee’s details.
• Witnesses (if needed): If the applicant is illiterate, provide the signatures of two witnesses.
• Final Information: At the end of the nomination section, include the date, location, and the name of the signer.

This form needs to be thoroughly completed and signed for processing, ensuring all details are correct for the successful opening of your Sukanya Samriddhi Yojana account.

How to Open Sukanya Samriddhi Account Online?

As of the right moment, there is no online application or account opening process for the Sukanya Samriddhi Yojana.

Where can I Register for the Sukanya Samriddhi Yojana?

A Sukanya Samriddhi Yojana account can be opened at a Post Office branch or a bank that is a participant in the program. The banks taking part are:

• State Bank of India
• Allahabad Bank
• Andhra Bank
• Punjab and Sind Bank
• Bank of Baroda
• Canara Bank
• Bank of India
• Bank of Maharashtra
• Corporation Bank
• Central Bank of India
• Indian Overseas Bank
• Dena Bank
• Indian Bank
• UCO Bank
• Syndicate Bank
• United Bank of India
• Punjab National Bank
• Union Bank of India
• Oriental Bank of Commerce
• IDBI Bank
• Vijaya Bank
• Axis Bank
• ICICI Bank

How do I Pay for the Online Sukanya Samriddhi Yojana?

To make online payments to your Sukanya Samriddhi Yojana (SSY) account, you can use the IPPB (India Post Payments Bank) app. Here’s the step-by-step process:

• Download the IPPB App: Install the IPPB app on your smartphone from the Google Play Store or Apple App Store.
• Transfer Funds: Ensure that you have money in your bank account, and transfer the required amount to your IPPB account.
• Select SSY Account: Open the IPPB app and navigate to the "DOP Products" section. Choose the Sukanya Samriddhi Yojana option.
• Enter Details: Input your DOP customer ID and the SSY account number to link your SSY account with the app.
• Set Payment Details: Choose the installment duration and the amount you want to pay towards your SSY account.
• Confirm Payment Setup: Once the payment schedule is set up, you will receive a confirmation from IPPB.
• Payment Notifications: Every time the payment is processed, you will receive a notification from the app confirming the transaction.

With this setup, you can easily make recurring deposits into your SSY account online through the IPPB app.

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Which bank offers the greatest Sukanya Samriddhi Yojana account opening options?

Any of the participating institutions will let you open an SSY account. If your current bank is one of the cooperating banks, it will be more convenient for you to open the SSY account there. The banks taking part are:

• State Bank of India
• Allahabad Bank
• Andhra Bank
• Punjab and Sind Bank
• Bank of Baroda
• Canara Bank
• Bank of India
• Bank of Maharashtra
• Corporation Bank
• Central Bank of India
• Indian Overseas Bank
• Dena Bank
• Indian Bank
• UCO Bank
• Syndicate Bank
• United Bank of India
• Punjab National Bank
• Union Bank of India
• Oriental Bank of Commerce
• IDBI Bank
• Vijaya Bank
• Axis Bank
• ICICI Bank

How should the Sukanya Samriddhi Yojana proof be submitted?

To submit the necessary proof for your Sukanya Samriddhi Yojana (SSY) application, you need to visit the Post Office or the bank branch where you submitted the application. The following documents must be submitted in physical copies:

• Girl Child’s Birth Certificate: A copy of the birth certificate of the girl child for whom the account is being opened.
• Guardian’s Proof of Identity and Address: Provide valid identity proof (e.g., Aadhaar card, passport, voter ID) and address proof (e.g., utility bill, ration card) for the guardian managing the account.
• Medical Certificate (if applicable): If multiple girl children were born in the same birth order (e.g., twins or triplets), a medical certificate is required as proof.
• Other Documentation: Any additional documents that may be requested by the Post Office or the bank branch during the application process.

Make sure to carry these documents when you visit the branch for submission.

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Sukanya Samriddhi Yojana Interest Calculator?

The SSY account’s interest is determined based on the lowest balance for the calendar month, or from the fifth day of the month to its completion. At the end of each fiscal year, the interest will only be credited once.

A = P(1+r/n)^nt

Here

• P = Initial Deposit
• r = Rate of interest
• n = Number of years the interest compounds
• t = Number of years
• A = Amount at maturity

How frequently can investments be made under the Sukanya Samriddhi Yojana?

Under the Sukanya Samriddhi Yojana (SSY), investments can be made either as a lump sum payment once during the fiscal year or through smaller, more frequent installments. To keep the account active, a minimum annual deposit of Rs. 250 is required, and this must be maintained for a period of at least 15 years. If you prefer to contribute in installments, you have the flexibility to choose any payment schedule that suits you. There are no restrictions on the number of deposits you can make within a month or a fiscal year.

How does the Sukanya Samriddhi Yojana work?

The Sukanya Samriddhi Yojana (SSY) operates by allowing parents or guardians to open and manage an account for a girl child, with deposits made either annually or in installments. To make a withdrawal or claim from the account, the account holder must submit a completed withdrawal form along with the passbook to the respective bank or Post Office branch where the SSY account is maintained.

Withdrawals can be made under certain conditions, such as for the higher education expenses of the girl child or for her wedding expenses. These requirements must be met for early withdrawal. Once the account matures, the funds will be given to the girl child who holds the account.

In exceptional cases, the account can be closed prematurely, with only the deposited amount being refunded, but this is only possible after five years of account opening. Such circumstances include:

• The death of the account holder (the girl child).
• A life-threatening condition affecting the account holder.
• The death of the guardian who manages the account.

How can the Sukanya Samriddhi Account be opened at the post office?

To open a Sukanya Samriddhi Account at the Post Office, follow these steps:

• Locate the nearest Post Office: Find the Post Office branch closest to your location.
• Fill out the application form: Complete the SSY account application form with the required details.
• Provide supporting documents: Along with the application form, submit necessary documents such as the girl's birth certificate, identity proof of the guardian, and address proof.
• Make the initial deposit: Pay the minimum initial deposit, which can be done via cash, demand draft, or cheque.
• Submit the application: Submit the completed form along with the payment at the Post Office.

After processing, you will receive a passbook for your Sukanya Samriddhi Account once the account is successfully set up.

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How is the Sukanya Samriddhi Yojana Transferred?

To transfer your Sukanya Samriddhi Yojana (SSY) account from a Post Office (PO) to a bank, follow these steps:

• Visit the Post Office branch: Go to the Post Office where your SSY account is currently held. The guardian can complete this process, so the girl child is not required to be present.
• Notify the PO executive: Inform the Post Office executive about your intention to transfer the SSY account to a bank.
• Submit necessary documents: Provide the passbook, the completed account transfer form, and KYC documentation. The executive will close the account upon your request.
• Go to the new bank: Visit the bank branch where you want to transfer and open the SSY account. The bank will process the transfer and provide you with the necessary documentation.

Once the transfer is completed, your SSY account will be successfully moved to the new bank branch.

What kind of money will I receive from the Sukanya Samriddhi Yojana?

Your annual payments will determine the maturity amount of your SSY account. Once the girl kid reaches the age of 18, you may also prematurely withdraw 50% of the deposit sum for either educational expenses or wedding costs.

How can I check the balance of my Sukanya Samriddhi Yojana account?

To check the balance of your Sukanya Samriddhi Yojana (SSY) account, follow these steps:

• Visit the bank or Post Office branch: Go to the branch where your SSY account is held.
• Check the passbook: Upon visiting the branch, you can request the updated balance information, which will be recorded in your passbook.

The balance will be provided to you as per the latest transactions recorded in your SSY account.

How is the Sukanya Samriddhi Yojana statement downloaded?

To download the statement for your Sukanya Samriddhi Yojana (SSY) account, follow these steps:

• Check online availability: Verify whether the bank where your SSY account is held offers online access for SSY accounts. Not all banks provide this service.
• Request login credentials: If the bank offers online access, ask the bank representative for your login information and password to access your SSY account.
• Log in to online banking: Use the provided login credentials to access the bank’s online banking platform.
• View account statement: Once logged in, you can find your SSY account balance and transaction details on the homepage or dashboard. From there, you can download or print the account statement.

If your bank does not provide online access, you may need to visit the branch to request a physical statement or details about your SSY account.

Summary of How to Open Sukanya Samriddhi Account (SSY)

To open a Sukanya Samriddhi Yojana (SSY) account, visit a participating post office or bank, fill out the application form, and submit required documents (e.g., girl’s birth certificate, guardian’s ID and address proof). Make the initial deposit (minimum Rs. 250). The account can be opened for a girl child under 10 years of age, with attractive interest rates and tax benefits.