Sukanya Samriddhi Yojana 2025
Table of Contents
Overview
Sukanya Samriddhi Yojana 2025: Interest Rate, Benefits, Eligibility & How to Apply
Sukanya Samriddhi Yojana 2025 (SSY 2025) is a flagship small savings scheme of the Government of India under the Beti Bachao, Beti Padhao campaign. It is designed to secure the financial future of girl children by encouraging parents and guardians to save systematically for their daughters’ higher education and marriage expenses. With an attractive interest rate of 8.2% per annum (July–September 2025), compounded annually, SSY offers one of the highest returns among government-backed savings schemes.
The scheme provides triple tax benefits (EEE status) – contributions up to ₹1.5 lakh are tax-deductible under Section 80C, the interest earned is tax-free, and the maturity amount is exempt from income tax. Parents can open an SSY account with as little as ₹250 per year, with a maximum deposit limit of ₹1.5 lakh annually, making it affordable and flexible for families across all income groups. The 21-year tenure ensures long-term wealth creation, while partial withdrawals after the child turns 18 provide funds for education or marriage.
| Feature | Details |
|---|---|
| Scheme Name | Sukanya Samriddhi Yojana (SSY) 2025 |
| Launched Under | Beti Bachao, Beti Padhao Campaign (2015) |
| Administered By | Government of India, Ministry of Finance |
| Account Tenure | 21 years from account opening OR until girl marries after 18 years |
| Interest Rate (2025) | 8.2% per annum (compounded annually, July–Sept 2025) |
| Investment Range | Minimum ₹250/year – Maximum ₹1.5 lakh/year |
| Eligibility | Girl child below 10 years, Indian resident |
| Who Can Open | Biological parents or legal guardian |
| Number of Accounts | Maximum 2 per family (3 in case of twins/triplets) |
| Tax Benefits | EEE Status (80C deduction + tax-free interest & maturity) |
| Partial Withdrawal | Up to 50% after girl child turns 18 (for education/marriage) |
| Application Mode | Banks, Post Offices, or Online (IPPB App) |
| Documents Required | Birth certificate, Aadhaar, PAN, Address proof, KYC documents |
Important Dates
| Event | Date |
|---|---|
| Scheme Launch Year | 2015 |
| Current Interest Rate Effective | July – September 2025 |
| Next Review of Interest Rate | October 2025 |
Application Fee
| Category | Fee |
|---|---|
| All Applicants | No Fee (only deposit required) |
Eligibility Criteria
| Requirement | Details |
|---|---|
| Age Limit | Girl child below 10 years at the time of account opening |
| Beneficiary | Must be a resident Indian |
| Who Can Apply | Parents or legal guardians |
| No. of Accounts | Max 2 per family (3 for twins/triplets) |
| Deposit Limit | ₹250 to ₹1.5 lakh per year |
Salary / Return Details
| Investment | Tenure | Approx. Maturity Value* |
|---|---|---|
| ₹15,000/year | 21 years | ₹6.7 lakh |
*At 8.2% interest, compounded annually.
Benefits of Sukanya Samriddhi Yojana 2025
High Interest Rate: 8.2% p.a. (higher than most FDs & PPF)
Tax-Free Savings: Exempt under Section 80C, interest & maturity tax-free (EEE benefit)
Partial Withdrawal: Up to 50% for education/marriage after 18 years
Low Minimum Deposit: Start with just ₹250/year
Long-Term Security: 21-year tenure ensures a strong financial future
Account Transferability: Transfer across India without hassle
How to Apply for Sukanya Samriddhi Yojana 2025
Offline
Visit any authorized bank or post office.
Collect & fill out the SSY application form.
Attach required documents (birth certificate, Aadhaar, PAN, address proof).
Deposit at least ₹250 to activate the account.
Receive SSY passbook after verification.
Online (IPPB App)
Download the India Post Payments Bank (IPPB) app.
Register & link your bank account.
Select Sukanya Samriddhi Yojana.
Enter details & upload documents.
Make the initial deposit online.
Conclusion
The Sukanya Samriddhi Yojana 2025 is more than just a savings plan—it is a strong step towards empowering the girl child through financial security and future readiness. With its high interest rate of 8.2% per annum, guaranteed returns, and triple tax benefits (EEE status), the scheme stands out as one of the most reliable and rewarding investment options for parents. The low minimum deposit requirement of just ₹250 per year makes it accessible to families from all income groups, while the maximum limit of ₹1.5 lakh ensures significant wealth accumulation over time.
By investing in SSY, parents not only secure funds for their daughter’s higher education and marriage but also contribute towards the vision of Beti Bachao, Beti Padhao. With simple application procedures through banks, post offices, and even online via the IPPB app, the scheme is convenient and trustworthy.
Important Links
| Link | URL |
|---|---|
| Notification | Click Here |
| Sarkari Result | Click Here |
| Telegram Group | Join Now |
| WhatsApp Channel | Join Now |
| Official Website | Click Here |
FAQ –
Q. What is the interest rate of Sukanya Samriddhi Yojana 2025?
8.2% per annum (July–September 2025).
Q. Who can open an SSY account?
Parents/guardians of a girl child below 10 years.
Q. What is the minimum deposit?
₹250 per year.
Q. Can NRIs open an SSY account?
No, only resident Indian girl children are eligible.
Q. Is premature withdrawal allowed?
Yes, up to 50% after the girl turns 18, for education/marriage.
Head Office Address
National Savings Institute (NSI), Government of India
Ministry of Finance, North Block,
New Delhi – 110001
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