The post office Sukanya Samrudhi Account (SSA) is one of the most popular small savings scheme launched by the Government of India to promote saving for the girl child. It not only offers attractive interest rate but also provide tax benefits making it an ideal investment option for parent or guardian.
What is Sukanya Samrudhi Jojana 2025?
The Sukanya Samrudhi Jojana (SSA) is a government backed saving scheme launched under the “Betty Bacho Betty padhao” campaign in 2015, it aims to encourage parents to build a fund for the future education of and marriage expense of the girl child.
The SSA Account can be open any post office across India. Since it is backed by government, it is considered as a safe secure and risk free financial instrument.
Key features of Post Office Sukanya Samruddhi account
- Account can be open in the name of girl child below 10 years of age.
- Only one account per girl child will be allowed.
- Maximum of two account can be open for a two girl child in a family.
- In case of twins or triplets , special provision are available to allow more than two account.
- Minimum deposit in SSA account is Rupees 250 and maximum deposit is Rupees 1,50,000/- per financial year.
- Amount can be deposit at once in a year or can be deposit every month or choice of the customer but maximum transaction per year can be 12 times.
- Deposit will be allowing up to 14 year from the date of Account opened account will be matured after 21 financial years.
- Interest rate is 8.2% Per annum (Compounded Annually). Rate of interest may be varied in quarterly basis.
- Mode of deposit can be accepted by Post Offices through cash, cheque, or through online transfer.
- The amount can be withdrawn 50% of your Deposit during Early marriage or higher Education of the Girl Child.
- Tax benefits under the section 80c of Income tax act are applicable.
What are the Documents Required for opening of SSA?
- Birth Certificate of Girl Child issued by any Govt. agency like Hospital, school or municipality authority. The Birth certificate for a girl child is mandatory documents for opening of Account.
- Aadhar Card of a Child is also a mandatory document for opening of account.
- Identity Proof of Parent /Guardian is required. Identity proof includes Aadhar Card, Voter ID, Pan Card, DL, Passport of any one is requird.
- Address Proof of Parent/Guardian, documents of any one includes Aadhar Card, Electric Bill, Driving Lisence and Passport is required.
- The Documents Including above Aadhar Card and Pan Card is mandatory for a Guardian to open SSA account for a girl Child.
Calculation of SSA Maturity Amount:
- As on Nov-2025 Current rate of Interest is 8.2% Per annum and it compounded annually.
- Interest rate are Reviewed by Govt. of India every Quarter.
Formula for Calculation:
A = P* (1+R/100)t
Where:
A = Amount(Maturity Amount)
P = Principal (Yearly Deposit)
R = Interest rate, 8.2%
T = Time (Numbers of Years)
Example:
For Monthly Deposit of rupees 500/-
Monthly = 500 rupees
Yearly (1yr) = 500*12 =6000 rupees
15th year = 6000*12 = 9000 rupees
Total Deposit = 90000/- rupees (Deposit allowed for 15 year but interest will continue till 21 years from the account opening)
Maturity Value (approx) = 277306/-
So after 21 year you will get around 2.77 lakh on deposit of Rs. 90.00 thousand.
Conclusion:
Sukanya Samriddhi Account (SSA) is a safe and beneficial government savings scheme that helps parents build a strong financial foundation for their daughters. This scheme also plays an important role in rural development by promoting financial inclusion. It offers attractive interest rates, tax benefits, and the opportunity for long-term growth. It supports the education and empowerment of daughters, and strengthens the habit of small savings in rural families. SSA contributes significantly to the economic growth and social upliftment of rural India by connecting rural and urban marginalized families to a secure and rewarding banking system.
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