How to Open Sukanya Samriddhi Account at Post Office
To open an SSY account, visit any post office or authorized bank branch (SBI, HDFC, ICICI, Canara Bank, etc.). Bring: birth certificate of the girl child, parent/guardian's KYC documents (Aadhaar, PAN, address proof), and a minimum opening deposit of Rs 250 (cheque or cash). The account is opened in the girl's name with the parent as guardian.
Total Deposited
₹22,50,000
15 years of deposits
Interest Earned
₹34,19,840
Maturity at Age 21
₹56,69,840
SSY rate: 8.2% p.a. compounded annually (Q1 FY 2026-27). Deposits for 15 years, maturity at girl's age 21. Min ₹250/year, max ₹1.5L/year. Interest fully tax-free under Section 80C.
Weekly Indian rate update
RBI repo, top FD rates, tax deadlines. Free. No spam.
Calculated with CalcCrack
Common questions about How to Open Sukanya Samriddhi Account at Post Office
Can I open SSY account online without visiting a branch?
Most banks allow digital SSY account opening through their net banking if you are an existing customer with KYC done. SBI, HDFC, ICICI, and Axis Bank support online SSY opening. Post office SSY accounts need an in-person visit. After opening, you can manage deposits, check balance, and transfer funds online through most banks' mobile apps and net banking portals.
What if I have twins or triplets who are girls?
SSY accounts can be opened for a maximum of 2 girl children per family. Exception: if the second pregnancy results in twins (or higher multiples) who are girls, accounts can be opened for all of them even if it exceeds 2. This exception requires a certificate from a competent medical authority confirming the multiple birth. In case of twins in first birth, 3 accounts are allowed if all three are girls.
How do I transfer an SSY account if we move cities?
SSY accounts can be transferred between post offices and authorized bank branches anywhere in India, free of charge. You need to submit a transfer request at the current office with your passbook, KYC documents, and new address proof. The process takes 2-4 weeks. The interest accrued and deposit history are maintained without interruption.