Sukanya Samriddhi Yojana 2025: Start saving for your daughter’s future with Sukanya Samriddhi Yojana 2025. Get 8.2% interest, full tax exemption, and secure education and marriage expenses. Know eligibility, benefits, and how to apply online.
Sukanya Samriddhi Yojana 2025
| Feature | Details |
|---|---|
| Scheme Name | Sukanya Samriddhi Yojana (SSY) |
| Launched By | Government of India (under Beti Bachao Beti Padhao) |
| Current Interest Rate | 8.2% per annum (Jan-Mar 2025) |
| Minimum Yearly Investment | ₹250 |
| Maximum Yearly Investment | ₹1.5 lakh |
| Lock-in Period | 21 years from the date of account opening |
| Deposit Period | Up to 15 years from opening |
| Eligibility | Girl child below 10 years |
| Tax Benefit | Exempt under Section 80C (EEE status) |
| Partial Withdrawal | Allowed after 18 years for higher education/marriage |
| Where to Open | Post offices and authorized banks (SBI, HDFC, ICICI, etc.) |
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana (SSY) is a small deposit scheme launched by the Government of India for the benefit of the girl child. It encourages parents to build a financial corpus for their daughter’s future education and marriage. The scheme is one of the highest interest-paying small saving schemes and offers full tax exemption under the EEE category.
Sukanya Samriddhi Yojana Interest Rate 2025
- Current Rate (Jan–Mar 2025): 8.2% per annum
- Interest is compounded annually.
- Rates are revised by the Finance Ministry every quarter.
SSY currently offers the highest interest rate among all small savings schemes in India.
Key Features & Benefits of SSY 2025
- High Interest: 8.2% p.a., better than bank FDs or PPF
- Government Guarantee: Backed by the Ministry of Finance
- Flexible Investment: Start with just ₹250/year
- Supports Education Goals: Withdraw 50% after the girl turns 18
- Marriage Planning: Full maturity after 21 years
- 100% Tax-Free: Investment, interest, and maturity amount – all tax-exempt
Eligibility Criteria for SSY
- The account can be opened only for a girl child below 10 years.
- Only one account per girl is allowed.
- A family can open up to two accounts for two girl children.
- In case of twins/triplets, exceptions are allowed.
How to Open Sukanya Samriddhi Account?
- Birth certificate of the girl child
- Parent’s/guardian’s photo ID (Aadhar/PAN)
- Address proof (Utility bill/Aadhar/Passport)
- Passport-sized photo of the applicant
| Official Website | View |
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