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Sukanya Samriddhi Yojana in 2026: rules, interest and withdrawal

A parent-friendly guide to the Sukanya Samriddhi Yojana small savings scheme for the girl child, including the latest interest rate and withdrawal rules.

Bharat AI Sathi Editorial 6 min read
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Sukanya Samriddhi Yojana in 2026: rules, interest and withdrawal — featured image, Bharat AI Sathi Finance guide

Sukanya Samriddhi Yojana (SSY) is one of the highest-yielding small savings schemes in India, restricted to a girl child under 10.

Eligibility Parent or legal guardian of a girl child aged under 10. One account per girl, up to two girls per family (three in case of twins).

Deposit Minimum ₹250, maximum ₹1.5 lakh per financial year, for 15 years from account opening. Deposits qualify for 80C deduction under the old tax regime.

Maturity Account matures 21 years from opening or on the girl's marriage after 18. Partial withdrawal up to 50% is allowed at 18 for higher education.

Interest Set quarterly by the government. Historically among the highest small-savings rates. Verify current rate before deposit.

Open at any Post Office or authorised bank branch. Not online for new accounts as of writing.

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Bharat AI Sathi Editorial

The Bharat AI Sathi team writes practical, plain-language guides on AI tools, careers and Indian government services. Scheme rules, fees and dates change often — always confirm the latest details on the official website before you act. Published 28 April 2026.

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