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Post Office Sukanya Samriddhi Yojana (SSA) Guide

A complete guide to Sukanya Samriddhi Yojana (SSA) under Post Office — secure your daughter’s future with high interest, tax-free returns, and safe government-backed investment.

Published: 30 Jun 2025
Reading Time: 5 min read
Expert Analysis
#SSA#Sukanya Samriddhi Yojana#Post Office#Girl Child Savings#Tax Saving

Complete Investment Guide

Comprehensive analysis with actionable insights for smart investment decisions

Post Office Sukanya Samriddhi Yojana (SSA)

The Sukanya Samriddhi Yojana (SSA) under the Post Office is a high-interest, government-backed savings scheme designed for the girl child, helping parents secure their daughter's education and future while enjoying tax-free returns and 80C benefits.


Key Highlights

8.2% per annum (compounded yearly)
✅ Tax-free interest under Income Tax Act
✅ Minimum deposit: ₹250 per year, maximum: ₹1.5 lakh per year
✅ Deposits in lump sum or flexible installments
✅ Safe, government-backed, long-term savings


Latest Interest Rate (From 01 Jan 2024)

  • 8.2% per annum, compounded annually

Salient Features

(a) Who Can Open:

  • Guardian (parents/legal guardian) in the name of a girl child below 10 years
  • Only one account per girl child across banks/post offices
  • Maximum of two accounts per family (more allowed in case of twins/triplets)

(b) Deposit:

  • Minimum deposit: ₹250 to open and maintain the account
  • Maximum deposit: ₹1.5 lakh per financial year (in multiples of ₹50)
  • Deposits can be made in lump sum or multiple installments, with no limit on the number of deposits in a month/year
  • Deposits can be made for 15 years from the date of account opening
  • Accounts qualify for Section 80C tax deduction
  • If the minimum deposit is not made, the account will become defaulted but can be revived by paying the minimum deposit plus a penalty of ₹50 per defaulted year

(c) Interest:

  • Calculated monthly on the lowest balance between the 5th and last day of the month
  • Credited annually at the end of each financial year
  • Interest is tax-free under the Income Tax Act

(d) Operation of Account:

  • Operated by the guardian until the girl child attains 18 years of age

(e) Withdrawal Facility:

  • Allowed after the girl child turns 18 years or passes the 10th standard
  • Up to 50% of the balance at the end of the preceding financial year can be withdrawn
  • Withdrawals can be made in a lump sum or in up to one withdrawal per year for a maximum of five years

(f) Premature Closure:

Permissible after 5 years from account opening under specific conditions:

  • Death of the account holder (interest at PO Savings Account rate applies from the date of death to payment)
  • Extreme compassionate grounds such as:
    • Life-threatening illness of the account holder
    • Death of the guardian
  • Requires documentation and submission of a prescribed form at the post office

(g) Closure on Maturity:

  • The account matures after 21 years from the date of account opening
  • Alternatively, the account can be closed for marriage after the girl child attains 18 years of age, but:
    • Closure is allowed only within 1 month before or 3 months after the date of marriage

Why Choose Sukanya Samriddhi Yojana?

Secure your daughter’s education and marriage funds
Highest interest among small savings schemes
Tax-free growth under government guarantee
Flexible deposits with low minimum requirements
Excellent long-term wealth creation for girl child


The Post Office Sukanya Samriddhi Yojana is a trusted and effective way to invest in your daughter’s future, providing high, tax-free interest with complete capital security under the Government of India.

Start your SSA investment today to build a secure future for your daughter with guaranteed, safe returns. 👉 Check out our SSA Calculator


This guide provides comprehensive information for educational purposes. Always consult with financial advisors before making investment decisions.

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