The Sukanya Samriddhi Yojana (SSY) remains one of the most rewarding government-backed savings schemes in India in 2025. Launched as part of the Beti Bachao Beti Padhao initiative, the scheme encourages parents to save systematically for their daughter’s education and marriage. With guaranteed returns, attractive interest rates, and tax benefits, it continues to be one of the best long-term investment options for families with a girl child.
Why Choose Sukanya Samriddhi Yojana in 2025?
In a country where education and wedding expenses can be overwhelming, SSY provides parents with a secure, disciplined way to accumulate wealth over time.
Key reasons why SSY is still the most reliable choice in 2025:
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Guaranteed Returns: Backed by the Government of India.
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High Interest Rate: Around 8% per annum, one of the highest among small savings schemes.
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Affordable Entry Point: Minimum deposit of just ₹500 per year.
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Tax-Free Benefits: Investments qualify under Section 80C (up to ₹1.5 lakh), and interest earned is completely tax-free.
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Long-Term Growth: Designed for 21 years or until the girl marries after 18.
These benefits make SSY a blend of security, affordability, and high returns.
Eligibility Criteria for SSY 2025
Parents or guardians can open an SSY account in 2025 under the following rules:
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The account can be opened for a girl child below 10 years of age.
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Only one account per child is allowed.
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A family can open up to two accounts (one for each girl child).
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The minimum deposit is ₹500 per year, and the maximum is ₹1.5 lakh per year.
How to Open an SSY Account in 2025
You can open an SSY account at post offices or authorized banks like SBI, ICICI, PNB, or HDFC.
Offline Process
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Visit your nearest post office/bank branch.
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Fill out the SSY account opening form.
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Submit KYC documents (Aadhaar, PAN, birth certificate of the girl child, proof of address).
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Deposit the initial amount (₹500 minimum).
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Receive a passbook as confirmation of account opening.
Online Process (if bank allows)
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Log in to your bank’s internet banking or mobile app.
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Navigate to Small Savings Schemes → SSY.
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Enter details of the girl child and nominee.
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Upload scanned KYC documents.
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Deposit the desired amount online.
This digital convenience makes investing faster and easier in 2025.
Deposit and Investment Rules
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Tenure: Deposits are required for 15 years, but the account matures after 21 years.
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Flexibility: Deposits can be made monthly, quarterly, or yearly.
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Minimum Deposit: ₹500 annually.
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Maximum Deposit: ₹1.5 lakh annually.
Even small, consistent deposits—like ₹500 per month (₹6,000 annually)—grow into lakhs by maturity thanks to compounding.
Returns from SSY 2025
Let’s take an example of depositing ₹500 per month (₹6,000 annually) at an interest rate of 8%:
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Total investment (15 years): ₹90,000
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Total maturity amount (21 years): Around ₹2.5–3 lakh
If you invest ₹1.5 lakh annually, the maturity value can exceed ₹60 lakh, making SSY one of the most powerful tools for building wealth for your daughter’s future.
Withdrawal and Maturity Rules
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Partial Withdrawal: Up to 50% of balance is allowed when the girl turns 18, for education expenses.
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Full Maturity: At 21 years of account opening or marriage after 18.
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Premature Closure: Permitted under exceptional cases such as medical emergencies or guardian’s death.
Key Takeaways
The Sukanya Samriddhi Yojana 2025 allows parents to build a secure financial future for their daughters with as little as ₹500 per year. With 8% interest, tax-free returns, and government backing, it remains one of the best long-term investment options available in India today.
FAQs
What is the interest rate for SSY in 2025?
The interest rate is around 8% per annum, revised quarterly by the government.
Can I open more than one SSY account for the same child?
No, only one account is allowed per child.
What is the maximum deposit allowed in SSY?
You can deposit up to ₹1.5 lakh per year.
When can I withdraw money from SSY?
Partial withdrawals are allowed at age 18 for education, and full maturity occurs at 21 years of account opening or upon marriage after 18.
Is SSY better than PPF?
For long-term savings for a girl child, SSY offers higher interest and targeted benefits, while PPF is for general savings.