Sukanya Samriddhi Account (for a girl)

Sukanya Samriddhi Account (for a girl)
Who can open a Sukanya Samriddhi Account for a girl, where and with which documents; how much to deposit each year; and when money can be taken out for her education or the account closed.
For whom: Parents and guardians of girls under ten in Telangana; and girls who already have this account, and their families.
Published on 30-10-2026. Not every fact has been checked against its official source yet: confirm at the office.

Only if

What do you want to do? Open a new account
1.
Decide where to open the account: at a post office, or at a bank branch that runs the scheme. A girl may 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 documents. One of the girl's guardians opens the account in her name.
🏛️ Post office or bank branch
📎 Account opening application (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 only says "one of the guardians". News reports describe 2024 government guidelines under which accounts opened by grandparents who are not legal guardians must be moved to a parent or legal guardian; we did not find the official text. If someone other than a parent is opening the account, ask first.

Only if

Were twin or triplet girls born at the family's first or second birth, and is this girl one of them? (If the first birth already gave two or more surviving girls, this exception does not cover girls of the second birth.) Yes
3.
For a third account, also give the guardian's affidavit about the twins or triplets, with their birth certificates.
🏛️ Post office or bank branch
📎 The guardian's affidavit about the twins or triplets, with their birth certificates

Only if

What do you want to do? Open a new account
4.
Deposit at least ₹250 to open the account; anything more in multiples of ₹50. After opening, collect the passbook and keep it safe.
🏛️ Post office or bank branch
5.
In every financial year (April to March), deposit at least ₹250 and at most ₹1,50,000, at once or in parts. Deposits can be made until 15 years from the date of opening. Pay by cash or cheque at the post office counter, or by NEFT/RTGS or the IPPB app. Any amount over ₹1,50,000 taken by mistake earns no interest and is returned.
🏛️ Post office or bank branch
6.
If ₹250 is not deposited in some year, the account goes into "default". Any time before 15 years are complete, 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 deposit)
7.
Interest is credited once a year, when the financial year ends; 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 Finance Ministry announces the 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, after giving the documents asked for.
🏛️ The post office or bank branch where the account is

Only if

What do you want to do? Take out some money for the girl's education
9.
To take money for education, fill in Form-3 and hand it in where the account is, with the offer of admission or fee slip. This 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), Offer of admission or fee slip
10.
You can take 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 in instalments of at most one a year for up to five years.
🏛️ The post office or bank branch where the account is

Only if

Why are you closing the account? 21 years have passed since it was opened
11.
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 are you closing the account? The girl's marriage (she will be 18 or older on the wedding day)
12.
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 earlier than one month before the wedding or later 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 are you closing the account? The girl has died
13.
If the girl has died, the guardian fills in Form-2 and hands it in with the death certificate from the competent authority. 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 paid 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 are you closing the account? Serious hardship, such as treatment for a life-threatening illness or the guardian's death
14.
This is possible only after five years from opening. Apply with full papers proving the reason. If the post office or bank agrees, it records the reasons in a written order and pays the balance with the scheme's interest.
🏛️ The post office or bank branch where the account is
📎 Documents proving the reason
Not confirmed: The scheme does not name a form for this application (Form-2 is for a death). Ask where the account is.

You cannot get this

A Sukanya Samriddhi Account can be opened only for a girl who is not yet 10 (Scheme 2019, para 3).
Instead, see:
A child of 10 or older can open a post office savings account in her own name, or a guardian can open one for her.
→ 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).
Instead, see:
A child of 10 or older can open a post office savings account in her own name, or a guardian can open one for her.
→ Post office savings account, and India Post Payments Bank account

Documents you need

If you don't have it:
Ask for it at the post office or bank.
If you don't have it:
→ Birth certificate
Not confirmed: The scheme says the birth certificate must go with the application but not whether a copy is enough. Take the original along too.
If you don't have it:
→ Getting a new Aadhaar
If you don't have it:
→ New PAN card
If you don't have it:
Ask for it where the account is.
Not confirmed: The scheme does not say whether a copy is enough; take the original along too.
If you don't have it:
Ask for it where the account is.
If you don't have it:
→ Birth certificate
If you don't have it:
Ask for it where the account is.
If you don't have it:
→ After a death in the family
Not confirmed: The scheme does not list which papers are enough; ask where the account is.

If something goes wrong

If it is rejected
If the post office refuses to open the account, pay out money or close it, ask why. Then complain to India Post: on its website, at any post office, or to the call centre on 1800 266 6868 (open 8 AM–8 PM; closed on gazetted holidays).
India Post complaints
indiapost.gov.in ↗📞 18002666868
If it is late
For delays, such as a deposit not showing in the passbook or a payment held up, complain to India Post. Complain after the time set for that service has passed and within 60 days of the transaction. If it is not settled, contact the Circle Nodal Officer; if still not settled, complain to the Directorate of Public Grievances (DPG) of the Government of India on its website.
Directorate of Public Grievances (DPG)
dpg.gov.in ↗
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)
cms.rbi.org.in ↗📞 14448
Not confirmed: We did not confirm whether complaints about Sukanya accounts at banks fall under the Ombudsman scheme, or how long to wait first. Ask the bank or 14448.
Also
If the passbook is lost, apply where the account is for a duplicate passbook.
The post office or bank where the account is
Not confirmed: Under the 2018 rules a duplicate passbook costs ₹50 plus tax. Ask there for the current fee.
→ Birth certificate→ After a death in the family→ Post office savings account, and India Post Payments Bank account
Updated on 30-10-2026
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