Sukanya Samriddhi Yojana 2025 The Sukanya Samriddhi Yojana (SSY) is a special savings scheme launched by the Government of India to financially secure the future of daughters. Under this scheme, parents or guardians can open an account in the name of their daughter under the age of 10 and make regular savings. Currently, this scheme offers an annual interest rate of 7.6%, which is more profitable than other savings schemes.
This scheme was specifically launched under the Save the Daughter, Educate the Daughter campaign, so that parents don’t have to worry about funding their daughters’ higher education and marriage. Investing in this scheme also offers tax benefits, making it an ideal long-term investment option.
What is Sukanya Samriddhi? (What is Sukanya Samriddhi Yojana?)
Sukanya Samriddhi Yojana (SSY) is a long-term savings plan designed to ensure the future financial security of daughters. Under this scheme, parents or legal guardians can open a special savings account for their daughters under the age of 10. Deposits in this account can be made with a minimum of ₹250 and a maximum of ₹1.5 lakh per year.
The special feature of this scheme is that the interest rate offered is higher than other government savings schemes. Furthermore, the amount received under this scheme is completely tax-free, providing additional financial benefits to parents.
Main objectives:
- Securing the future of daughters.
- To provide financial assistance for higher education and marriage of daughter.
- Motivating parents to save for the long term.
Sukanya Samriddhi Yojana 2025: Complete Details
| Name of the scheme | Sukanya Samriddhi Yojana (SSY) 2025MSC Bank recruitment |
|---|---|
| beginning | January 22, 2015 |
| Who can avail the benefit? | Daughters below 10 years of age |
| Minimum Deposit Amount | ₹250 per year |
| Maximum Deposit Amount | ₹1.5 lakh per year |
| Interest Rate (2025) | 7.6% p.a. (variable) |
| maturity period | 21 years |
| tax exemption | Full exemption under section 80C |
| Account opening locations | Banks and Post Offices |
| official website | india.gov.in |
Benefits of Sukanya Samriddhi Yojana (SSY)
- Investing in this scheme currently offers 7.6% annual interest, which is higher than other savings schemes.
- Under this scheme, the amount deposited is eligible for tax exemption under Section 80C.
- The maturity period of the scheme is 21 years , which makes it a good saving for the daughter’s higher education or marriage.
- One can open an account for just ₹250 per year, making the scheme accessible to all sections of society.
- This scheme is backed by the Government of India, making investment in it completely safe.
Eligibility Criteria for Sukanya Samriddhi Yojana 2025
- The girl should be less than 10 years of age.
- Only a parent or legal guardian can open an account.
- Account can be opened for maximum two daughters in a family (3 accounts can be opened in case of twin daughters).
- It is mandatory to be an Indian citizen.
Documents Required for Sukanya Samriddhi Yojana 2025
- Daughter’s birth certificate.
- Identity card of parents or guardians (Aadhaar Card, PAN Card, Voter ID).
- Proof of residence (Aadhaar, Ration Card, Electricity Bill).
- Passport size photograph.
- Bank account details (if required).
How to open Sukanya Samriddhi Yojana account? (How to Open SSY Account?)
- Visit the nearest bank or post office and get the SSY application form.
- Fill the form correctly and attach the required documents.
- Deposit a minimum amount of ₹250 (you can deposit more).
- Get the passbook from the bank/post office and check all the details correctly.
- Make regular deposits to keep your account active.
Potential Return on Investment in Sukanya Samriddhi Yojana 2025 (SSY Maturity Calculation)
It is clear that if you deposit regularly, you can create a big fund for your daughter’s future.
| Monthly Deposit Amount | Total Investment in 15 Years | Estimated amount in 21 years |
|---|---|---|
| ₹1000 | ₹1,80,000 | ₹5,09,212 |
| ₹2000 | ₹3,60,000 | ₹10,18,425 |
| ₹5000MSC Bank recruitment | ₹9,00,000 | ₹25,46,062 |
Sukanya Samriddhi Yojana 2025 is an excellent government scheme to secure a bright future for daughters. Investing in this scheme offers the benefits of high interest rates, tax exemptions, and long-term savings. If your daughter is under 10 years of age, open an account under this scheme today and ensure a secure future for her education and marriage.