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Schemes

Sukanya Samriddhi Account (for a girl)
Find out who can open a Sukanya Samriddhi Account for a girl, where and with which papers; how much to pay in each year; and when money can be drawn for her studies or the account closed.
For whom: Parents and guardians in Andhra Pradesh of girls who are not yet ten; and girls who already hold this account, with their families.
Published on 30-10-2026. Not every fact has been checked against its official source yet: confirm at the office.
Answer a few questions to see which steps apply to you. The whole guide is below.

Documents you need

•
Application to open the account (Form-1)
original
If you don't have it:
Ask for it at the post office or bank branch.
•
The girl's birth certificate
copy
One issued by the municipality, or by an office the Registrar of Births and Deaths has authorised; for a birth abroad, by the Indian Consulate.
If you don't have it:
The municipality or births-and-deaths office that registered her birth.
Not confirmed: The scheme says the birth certificate goes with the application, but not whether a copy is enough. Take the original with you as well.
•
The guardian's Aadhaar number
copy
If Aadhaar has not been issued yet, proof that you applied to enrol; the number must then be given within six months of opening.
If you don't have it:
→ Getting a new Aadhaar
•
The guardian's PAN card or Form 60
copy
If you don't have it:
→ New PAN card
•
A recent passport size photograph of the guardian
original
📷 What the photo must look like
• It must be recent.
• Form-1 has a box where the photograph is pasted.
Not confirmed: The rules say only "a recent passport size photograph"; they give no size, background colour or number of copies. Ask at the post office or bank.
•
The guardian's affidavit on the twin or triplet births, with their birth certificates
original
•
Withdrawal application (Form-3)
original
If you don't have it:
Ask for it where the account is.
•
Confirmed offer of admission or fee slip
copy
A letter from the educational institution confirming her admission, or its fee slip showing the amount needed.
Not confirmed: The scheme does not say whether a copy is enough; take the original with you as well.
•
Account closure application (Form-4)
original
If you don't have it:
Ask for it where the account is.
•
The account passbook
original
•
Declaration about the marriage
original
Signed by the girl on non-judicial stamp paper and attested by a notary.
•
Proof of the girl's age
copy
Showing that she will be at least 18 on the wedding day.
•
Premature closure application (Form-2)
original
If you don't have it:
Ask for it where the account is.
•
The girl's death certificate
copy
Issued by the competent authority.
•
Papers proving the reason
original
For example, papers showing treatment for a life-threatening disease, or the guardian's death.
Not confirmed: The scheme does not list which papers are enough; ask where the account is.

Steps

Only if
What do you need to do? Open a new account
1.
Choose where to open the account: a post office, or a bank branch that runs the scheme. A girl can have only one account under this scheme.
🏛️ Post office or bank branch
Not confirmed: We did not find a current official list of the banks that run the scheme. Ask at your bank branch.
2.
Fill in Form-1 and hand it in with the papers. One of the girl's guardians opens the account in her name. In the form you declare that she has no other account under this scheme anywhere, and that you and she are Indian citizens living in India.
🏛️ Post office or bank branch
📎 Application to open the account (Form-1), The girl's birth certificate, The guardian's Aadhaar number, The guardian's PAN card or Form 60, A recent passport size photograph of the guardian
Not confirmed: The scheme says only "one of the guardians". If someone other than a parent is opening it, ask first who may do so.
Only if
How many girls in your family (husband, wife and their children) already have this account? Two or more; but twin or triplet girls were born at the first or second birth and this girl is one of them (this does not cover a girl of the second birth if the first birth left two or more surviving girls)
3.
For a third account, also hand in the guardian's affidavit on the twin or triplet births, with their birth certificates.
🏛️ Post office or bank branch
📎 The guardian's affidavit on the twin or triplet births, with their birth certificates
Only if
What do you need to do? Open a new account
4.
Pay in at least ₹250 when opening; anything more in multiples of ₹50. Keep the passbook you are given safely.
🏛️ Post office or bank branch
5.
In every financial year (April to March) pay in at least ₹250 and at most ₹1,50,000, at once or in parts. You can pay in until 15 years from opening. Pay by cash, cheque or demand draft at the counter, or by electronic transfer; for a post office account, also through India Post net banking. Anything over ₹1,50,000 accepted by mistake earns no interest and is returned at once.
🏛️ The post office or bank branch where the account is
6.
If ₹250 is not paid in some year, the account is "in default". At any time within 15 years from opening, you can set it right by paying ₹250 plus a ₹50 penalty for each missed year.
🏛️ The post office or bank branch where the account is
💰 Fee: ₹50 penalty for each missed year (with the ₹250)
7.
Interest is credited at the end of each financial year; check it in the passbook. Each month's interest is worked out on the lowest balance between the close of the 5th and the end of the month. From 1 October to 31 December 2026 the rate is 8.2% a year; the Ministry of Finance announces rates every quarter.
🏛️ The post office or bank branch where the account is
8.
The guardian runs the account until the girl turns 18. After that she runs it herself, once she gives the papers asked for.
🏛️ The post office or bank branch where the account is
Only if
What do you need to do? Draw some money for the girl's studies · Which of these are you? Indian citizen living in India / Indian citizen living abroad (NRI)
9.
To draw money for her studies, fill in Form-3 and hand it in where the account is, with the admission letter or fee slip. It is allowed once the girl turns 18 or passes Class 10, whichever comes first.
🏛️ The post office or bank branch where the account is
📎 Withdrawal application (Form-3), Confirmed offer of admission or fee slip
10.
You can draw up to half of the balance at the end of the previous financial year, but only what the fees and admission charges actually need. Take it at once, or at most once a year for up to five years.
🏛️ The post office or bank branch where the account is
Only if
Which of these are you? Indian citizen living abroad (NRI) · What do you need to do? Draw some money for the girl's studies / Close the account and take the money
11.
If the guardian or the girl became a non-resident Indian (NRI) after the account was opened, tell the office where the account is. The account carries on, with interest, until it matures; no interest is paid after maturity. Payments are made only on a non-repatriation basis (not to be sent abroad).
🏛️ The post office or bank branch where the account is
Only if
Which of these are you? OCI cardholder / Foreign national · What do you need to do? Draw some money for the girl's studies / Close the account and take the money
12.
If the guardian or the girl has stopped being an Indian citizen, the account is treated as closed with effect from the end of the month before citizenship ended. From then until it is closed, interest is paid at the post office savings account rate. Apply with the passbook where the account is to take the balance.
🏛️ The post office or bank branch where the account is
📎 The account passbook
Not confirmed: The rules do not say which form or proofs are needed in this case; ask where the account is.
Only if
Why is the account being closed? 21 years have passed since it was opened
13.
Once 21 years have passed since opening, the account holder (the girl) fills in Form-4 and hands it in with the passbook. The balance and interest are paid to her.
🏛️ The post office or bank branch where the account is
📎 Account closure application (Form-4), The account passbook
Only if
Why is the account being closed? The girl's marriage (she will be at least 18 on the wedding day)
14.
From one month before the wedding until three months after it, the girl applies to close the account with Form-4, the passbook, the declaration and proof of age. Closure for marriage is not allowed more than a month before the wedding or more than three months after it.
🏛️ The post office or bank branch where the account is
📎 Account closure application (Form-4), The account passbook, Declaration about the marriage, Proof of the girl's age
Only if
Why is the account being closed? The girl has died
15.
If the girl has died, the guardian fills in Form-2 and hands it in with the death certificate. The account is closed at once and the balance, with interest up to the date of death, is paid to the guardian. For the time between the death and the closure, interest is at the post office savings account rate.
🏛️ The post office or bank branch where the account is
📎 Premature closure application (Form-2), The girl's death certificate
Only if
Why is the account being closed? Serious hardship, such as treatment for a life-threatening disease or the guardian's death
16.
This is possible only once five years have passed since opening. Apply with full papers proving the reason. If the account office agrees, it records its reasons in a written order and pays the balance with the scheme's interest.
🏛️ The post office or bank branch where the account is
📎 Papers proving the reason
Not confirmed: The scheme names no form for this application (Form-2 is for a death). Ask where the account is.

You cannot get this

Only a guardian who is an Indian citizen living in India can open this account, and the girl must also be an Indian citizen living in India (Savings Promotion Rules 2018, rule 4; the Form-1 declaration). Non-resident Indians (NRIs), OCI cardholders and foreign nationals cannot open a new account.

You cannot get this

A Sukanya Samriddhi Account can be opened only for a girl who is under 10 on the day it is opened (Scheme 2019, para 3).
Instead, see:
A child of 10 or older may open and run an account in her own name under the post office savings schemes.
→ Post office savings account, and India Post Payments Bank account

You cannot get this

This account can be opened for at most two girls in a family. More are allowed only when twin or triplet girls are born at the first or second birth (Scheme 2019, para 3).

Fees and time limits

Step 6
💰 ₹50 penalty for each missed year (with the ₹250)

If something goes wrong

If it is rejected
If the post office refuses to open the account, pay money out or close it, ask for the reason. Then complain to India Post: on its website, at a nearby post office, or to the call centre on 1800 266 6868 (open 8 AM–8 PM; closed on gazetted holidays).
India Post complaints
Open the official page ↗
indiapost.gov.in · opens in a new tab
📞 18002666868
If it is late
For delays, such as a deposit missing from the passbook or a payment held up, complain to India Post after the time set for that service has passed and within 60 days of the transaction. If it is not settled in reasonable time, contact the Andhra Pradesh Circle Nodal Officer: pg.ap@indiapost.gov.in, 94910 03332. If still not settled, you can complain on the website of the Directorate of Public Grievances (DPG), Government of India.
India Post Andhra Pradesh Circle Nodal Officer
Open the official page ↗
indiapost.gov.in · opens in a new tab
📞 9491003332
Also
If the account is at a bank, complain to the bank first. If the bank does not resolve it, complain online to the RBI Ombudsman, or call 14448.
RBI Ombudsman (CMS)
Open the official page ↗
cms.rbi.org.in · opens in a new tab
📞 14448
Not confirmed: We did not confirm whether complaints about Sukanya accounts held at banks fall under the Ombudsman scheme, or how long to wait first. Ask the bank or 14448.
Also
If the passbook is lost or stolen, apply where the account is and pay the fee for a duplicate passbook.
The post office or bank where the account is
Not confirmed: The 2018 rules set ₹50 plus tax for a duplicate passbook. Ask there for the current fee.

Related guides

→ Getting a new Aadhaar→ New PAN card→ Opening a bank account (Jan Dhan / zero-balance account)→ Post office savings account, and India Post Payments Bank account
Updated on 30-10-2026
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