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Sukanya Samriddhi Yojana (SSY)

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Sukanya Samriddhi — Beti ke naam par sarkari bachat khaata — is samay 8.2% saalana byaj (Oct–Dec 2026), tax-mukt

Seedha jawaab: Beti ke naam par sarkari bachat khaata — is samay 8.2% saalana byaj (Oct–Dec 2026), tax-mukt.

Vibhag: Aarthik Karya Vibhag (Department of Economic Affairs), Vitt Mantralaya — Dak Vibhag va bankon ke madhyam se · Official portal: www.indiapost.gov.in · Jankari antim baar verify: 2026-11-04

Yojana ke baare me

Sukanya Samriddhi Yojana 'Beti Bachao, Beti Padhao' ke tahat chalti ek sarkari laghu-bachat yojana hai. 10 saal se kam umar ki beti ke naam par mata-pita ya abhibhavak kisi bhi dak ghar (post office) ya adhikrit bank me khaata khol sakte hain. Har saal kam se kam ₹250 aur zyada se zyada ₹1.5 lakh jama ho sakte hain — jama sirf pehle 15 saalon me karna hota hai aur khaata khulne ke 21 saal par paripakv (mature) hota hai. Byaj dar sarkar har 3 mahine (quarter) me ghoshit karti hai — October–December 2026 quarter ke liye dar 8.2% prati varsh hai. Jama, byaj aur maturity — teeno par tax labh (EEE) milta hai. Ye koi 'muft paisa' yojana nahi, ek surakshit bachat yojana hai.

Kaun patr hai ✓

  • Bharatiya nivasi beti, khaata khulne ke samay umar 10 saal se kam ho
  • Khaata mata-pita ya kanooni abhibhavak (legal guardian) beti ke naam par kholta hai
  • Ek beti ke naam par sirf ek khaata; ek parivaar me aam taur par zyada se zyada do betiyon ke khaate (judwa/tigdi — twins/triplets — ki sthiti me vishesh chhoot)
  • Har vitt varsh me nyuntam ₹250 jama karna zaroori hai, adhiktam seema ₹1.5 lakh prati varsh

Kaun patr NAHI hai ✗

  • 10 saal ya zyada umar ki beti ke naam par naya khaata nahi khul sakta
  • Ladkon ke liye ye yojana nahi hai — unke liye PPF jaise vikalp hain
  • NRI (pravasi Bharatiya) beti ke liye khaata nahi khulta — khaata sirf Bharatiya nivasi ke liye hai
  • ₹1.5 lakh prati varsh se zyada jama is khaate me swikarya nahi hai

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Dak ghar ya bank chuneinKhaata kisi bhi post office ya SSY ke liye adhikrit bank shakha me khulta hai. Online khaata nahi khulta — shakha par jaana hota hai. Kuch bank baad me jama (deposit) online karne ki suvidha dete hain.
  2. Form bhareinSSY khaata kholne ka form shakha se lein, beti aur abhibhavak ki jankari sahi-sahi bharein.
  3. Dastavej ke saath pehli jamaJanm praman patra, abhibhavak ke KYC dastavejon ke saath kam se kam ₹250 ki pehli jama (cash/cheque) karein.
  4. Passbook leinKhaata khulne par passbook milti hai — khaata sankhya aur jama ka vivaran usi me rehta hai. Har saal ₹250 ki nyuntam jama na bhoolen; na jama ho to khaata nishkriya ho jata hai aur use ₹50 jurmane ke saath punah sakriya karana padta hai.

Status / kist kaise check karein

  1. Passbook update karwayeinJama aur byaj ki sahi sthiti ke liye dak ghar/bank me passbook samay-samay par update karwayein.
  2. Byaj dar kahan confirm kareinDar har quarter Vitt Mantralaya ghoshit karta hai. Taaza dar dak ghar/bank ya official suchna se confirm karein — October–December 2026 ke liye 8.2% prati varsh hai; aage ki dar badal sakti hai.
  3. Anshik nikasi (padhai ke liye)Beti ke 18 saal ke hone ya 10vi uttirn hone ke baad uchch shiksha ke liye pichhle vitt varsh ke ant ke shesh (balance) ka 50% tak nikala ja sakta hai — shakha me aavedan karein. Khaata 21 saal par, ya 18 saal ke baad beti ke vivah par band ho sakta hai.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (www.indiapost.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

Sukanya Samriddhi me abhi byaj kitna hai?

October–December 2026 (Q3 FY 2026-27) quarter ke liye 8.2% prati varsh (saalana chakra-vriddhi/compounded) — Vitt Mantralaya (DEA) ke 30 September 2026 ke Office Memorandum se ye dar pichhle quarter jaisi hi barkaraar rakhi gayi hai. January–March 2027 quarter ki dar abhi ghoshit nahi hui hai (quarterly review December 2026 ke ant me expected hai). Dar sarkar har 3 mahine me ghoshit karti hai aur badal sakti hai — khaata kholte samay taaza dar dak ghar/bank se confirm karein.

Kitne paise jama kar sakte hain?

Har vitt varsh kam se kam ₹250 aur zyada se zyada ₹1,50,000. Jama sirf khaata khulne ke pehle 15 saalon me karni hoti hai; khaata 21 saal me mature hota hai.

Kaun khaata khol sakta hai?

10 saal se kam umar ki Bharatiya nivasi beti ke mata-pita ya kanooni abhibhavak. Ek beti ka ek hi khaata; parivaar me aam taur par do betiyon tak khaate (judwa/tigdi me vishesh chhoot).

Tax labh kya hai?

Yojana ko EEE darja hai — jama par Section 80C ki chhoot (purane tax regime me, ₹1.5 lakh seema ke antargat), byaj aur maturity rakam tax-mukt hai.

Bech me paise nikal sakte hain?

Beti ke 18 saal hone ya 10vi paas karne ke baad padhai ke kharch ke liye 50% tak anshik nikasi sambhav hai. Usse pehle khaata band karna sirf khaas paristhitiyon (jaise vivah 18 ke baad, chikitsa, abhibhavak ki mrityu) me hota hai — shakha se niyam confirm karein.

Sukanya Samriddhi ka balance online kaise check karein?

Post office khata ho to India Post ki ePassbook se OTP verification ke baad Sukanya Samriddhi Account ka balance aur mini-statement online dekh sakte hain, ya branch par passbook update karayen. Bank me khata ho to usi bank ki netbanking ya mobile app me SSY account par balance dikhega. Aadhaar number se seedha balance check karne ka koi official rasta nahi hai, aur SBI app ka exact menu-path official site se verify nahi hua hai — apne bank ke app me SSY deposit/balance option check karein.

SSY me online jama kaise karein?

Post office khate ke liye: pehle apne bank se IPPB savings account me paise dalen, phir IPPB app me DOP Products kholen, Sukanya Samriddhi Account chunein, SSY account number aur DOP Customer ID daalkar rakam chunein aur OTP se confirm karein. Bank khate ke liye apne bank ki netbanking/app se deposit karein (kuch banks me standing instruction bhi lag sakti hai). Dhyan rahe: khata online nahi khulta — khata post office ya authorised bank branch par hi khulta hai, online sirf pehle se khule khate ka deposit/balance hota hai. Har saal kam se kam ₹250 aur zyada se zyada ₹1.5 lakh jama kar sakte hain; mahine ka byaj us mahine ki 5 tarikh se antim tarikh ke beech ke sabse kam balance par banta hai, isliye 5 tarikh se pehle jama karna faydemand rehta hai.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

Doston-parivaar ko bhejein

Ye poster WhatsApp par forward karne ke liye hai — jise is yojana ki zaroorat ho, us tak sahi jankari pahunchayein.

Sukanya Samriddhi — WhatsApp share poster

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