Sukanya Samriddhi Yojana (SSY) Yojana 2025, Eligibility, Benefits, Open Account The Sukanya Samriddhi Yojana 2025 is a government-sponsored saving scheme that is meant to ensure the future economic security of girl children in India. Introduced under the “Beti Bachao, Beti Padhao” program, the program is meant to motivate parents or guardians to create a special fund for the education and marriage of their daughter. One of the key benefits of this scheme is its high interest rate of 8.25% for 2025, coupled with high tax advantages under Section 80C of the Income Tax Act. The scheme encourages families to form the habit of long-term savings and also empowers girls through financial education.
In this article, we will guide you through the eligibility criteria and the process of opening an account under Sukanya Samriddhi Yojana. It’s important for parents and guardians to understand the rules, such as the age limit for opening the account and the deposit limits, to make the most of the scheme. We’ll also answer common queries to help ensure clarity and a better understanding of how this plan can contribute positively to a girl’s financial future.
Sukanya Samriddhi Yojana (SSY) Yojana 2025 Overview
| Scheme Name | Sukanya Samriddhi Yojana |
| Government | Indian Government |
| Yojana Announced By | Prime Minister Of India |
| Purpose Of Yojna | Increase The Habit of Savings |
| Benefit For | Eligible Indians |
| Targeted Beneficiaries | Parents Of Girls Child |
| Age Required Girl Child | Below 10 years |
| Sukanya Samriddhi Interest Rate 2025 | 8.25% |
| Category | Scheme |
| Document Required | Candidate Aadhaar Card, Bank Account |
| Application Process | Online |
| Official Website | www.india.gov.in |
Sukanya Samriddhi Yojana (SSY) Yojana 2025 Benefits
- Both the interest and the maturity value are tax-free in this scheme. The beneficiaries did not have to pay any taxes.
- The government of India pays a higher rate of interest than the market can support. The beneficiaries are given an interest rate of 8.2% every year.
- The parents can take long-term investments since the scheme has a maturity period of 21 years.
- As the Sukanya Samriddhi Yojana is a government-sponsored scheme, investing in it involves almost no risk.
- Any Indian resident can deposit under the plan with a minimum deposit of INR 250.
Sukanya Samriddhi Yojana (SSY) Yojana 2025 Eligibility Criteria
Opening SSY account demands fulfilling specific Sukanya Samriddhi Yojana Eligibility Criteria 2025:
- A girl child should be less than ten years of age in order to enroll for the Sukanya Samriddhi Yojana.
- Only the legal guardian or parent of the girl can open the account.
- Only a single account per girl is allowed. Two accounts may be opened by a family with two daughters.
- You need to deposit a minimum of Rs. 250 to open the account, and you can invest up to Rs. 1.5 lakh per year.
- In a fiscal year, the Sukanya Samriddhi Yojana requires a minimum of INR 250.
- In a fiscal year, the Sukanya Samriddhi Yojana allows for a maximum of INR 1.5 lakh.
To avail of the benefits of this scheme, applicants must submit all required documents for approval.
- Aadhar card
- Address proof
- Age Certificate
- Income Certificate
- Identification Card
- Ration Card
- Mobile number
- Bank passbook
- Passport size photo
Guidelines for Sukanya Samriddhi Yojana Withdrawal and Maturity in 2025
- The parents can make an early withdrawal if the girl is 18 years old so that they can utilize the money for the education or marriage of the girl.
- The parents can close the account prematurely if the female child sadly died.
- If the girl child’s citizenship is altered, then the parents are entitled to close the account prior to maturity.
How to Open Sukanya Samriddhi Yojana (SSY) Yojana Account 2025?
A Sukanya Samriddhi Yojana account may be opened online or offline. Let’s look at both ways to Open Sukanya Samriddhi Yojana Account 2025.
- Visit a bank or post office offering the scheme.
- Submit your details in the application form.
- Submit the required documents.
- Deposit the initial deposit (a minimum of Rs. 250) in cash, cheque, or demand draft.
- Applicants need to open a new bank or post office account.
- You will be issued a passbook for the account.
Important Links
| Official Website | Click Here |
| Homepage | Click Here |