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The Government of India has launched several savings schemes for the financial security of families. One of the most popular schemes is the Post Office Sukanya Samriddhi Yojana (SSY), which is specially designed for the future of girl children. This scheme allows parents to save a small amount regularly and create a large fund for their daughter’s higher education and marriage.
Key Features of Sukanya Samriddhi Yojana
- Launched in 2015 under the “Beti Bachao, Beti Padhao” initiative.
- Available at all post offices and designated banks across India.
- Only two girl children per family can have accounts under this scheme.
- The account can be opened only for a girl child below 10 years of age.
- The account is operated by parents or legal guardians.
Also Read: NSP Scholarship 2025: Apply Online, Eligibility, Last Date, OTR, Status @ Scholarships.gov.in
Investment Duration
- Parents must deposit money in the SSY account for 15 years from the date of opening.
- The account matures 21 years after opening or upon the girl’s marriage after turning 18.
- Partial withdrawal is allowed after the girl reaches 18 years of age for higher education expenses.
Deposit & Savings Limit
- Minimum annual deposit: ₹250
- Maximum annual deposit: ₹1.5 lakh
- Deposits can be made monthly or yearly.
- A passbook is issued to track all transactions.
Sukanya Samriddhi Yojana Interest Rate 2025
- The current interest rate (2025) is 8.2% per annum.
- The interest is compounded annually and paid at maturity.
- Interest rates are reviewed by the government every financial year.
How to Open an SSY Account at Post Office?
1. Visit your nearest post office and ask for the Sukanya Samriddhi Yojana application form.
2. Fill in the form with blue ink and attach the required documents:
- Girl child’s Birth Certificate
- Parent/guardian’s ID proof (Aadhaar, Voter ID, PAN, etc.)
- Address proof (Aadhaar, Utility Bill, etc.)
- Passport-size photographs
3. Submit the form along with the minimum deposit of ₹250.
4. After verification, the account will be opened and a passbook will be issued.
Benefits of Sukanya Samriddhi Yojana
- Secures the future of the girl child with guaranteed savings.
- Eligible for tax deduction under Section 80C of the Income Tax Act.
- One of the highest interest-earning small savings schemes in India.
- Long-term financial planning with government-backed security.
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Conclusion
The Post Office Sukanya Samriddhi Yojana 2025 is an excellent investment opportunity for parents who want to secure their daughter’s education and marriage expenses. With high interest rates, tax benefits, and long-term savings, SSY is one of the most reliable schemes for girl child welfare in India. If your daughter is under 10 years old, don’t miss the chance to open an account today.
Karunakar Mohanta is the creator of OdiaYojana.in, a leading blog that provides the latest updates on government schemes, scholarships, and official notifications in Odia. With a mission to simplify complex government information, he helps Odia citizens stay informed and empowered. Follow him to stay updated on PM Yojanas, state benefits, and important deadlines.