MargadarshiniSukanya Samriddhi Account (for a girl)తె
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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.

About this guidePending verification

Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at the office.

Where:At the office

For whom: Parents and guardians of girls under ten in Telangana; and girls who already have this account, and their families.

1Your situation

We show only what your answers need.

Which of these are you?
What do you want to do?
How old is the girl?
How many girls in your family (husband, wife and their children) already have a Sukanya Samriddhi Account?
Why are you closing the account?

Your answers stay on this phone.

2Documents you need

Tick the ones you have. They are kept in this browser.

  • Details

    If you don't have it: Ask for it at the post office or bank.

    Sources: 1

  • If you don't have it: → Birth certificate
    Details

    Issued by the municipality or an office authorised by the Registrar of Births and Deaths (for a birth abroad, by the Indian Consulate).

    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.

    Sources: 1

  • If you don't have it: → Getting a new Aadhaar
    Details

    If Aadhaar has not come yet, proof of applying for Aadhaar enrolment; the number must then be given within six months.

    Sources: 1, 3

  • If you don't have it: → New PAN card
    Details

    Sources: 1, 3

  • Details

    Sources: 1, 2

  • Details

    Sources: 1

  • Details

    If you don't have it: Ask for it where the account is.

    Sources: 1

  • Details

    A confirmed offer of admission from the educational institution, or the institution's fee slip showing how much is needed.

    Not confirmed: The scheme does not say whether a copy is enough; take the original along too.

    Sources: 1

  • Details

    If you don't have it: Ask for it where the account is.

    Sources: 1

  • Details

    Sources: 1

  • Details

    Signed by the girl on non-judicial stamp paper and attested by a notary.

    Sources: 1

  • If you don't have it: → Birth certificate
    Details

    Showing she will be at least 18 on the wedding day.

    Sources: 1

  • Details

    If you don't have it: Ask for it where the account is.

    Sources: 1

  • If you don't have it: → After a death in the family
    Details

    Sources: 1

  • Details

    For example, papers showing treatment for a life-threatening illness, or the guardian's death.

    Not confirmed: The scheme does not list which papers are enough; ask where the account is.

    Sources: 1

3Your steps

· Do them in order. Tick each one when it is done.

If something goes wrong
  1. Do this now

    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.

    Where
    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.

    Sources: 1, 4

  2. Do this now

    Fill in Form-1 and hand it in with the documents.

    One of the girl's guardians opens the account in her name. In Form-1 you declare that you and the girl are both Indian citizens resident in India. If she is a citizen of another country or lives abroad, the account cannot be opened. These rules count you as an NRI if you are not a 'resident' under the Income Tax Act, even if you are in India now (Government Savings Promotion General Rules 2018, rule 3(1)(g)). If you have recently come back from abroad, check your tax residence before you open the account. The income-tax law counts you as resident for a tax year (1 April to 31 March) if you are in India for 182 days or more in that year, or for 60 days or more in that year and 365 days or more in the four years before it (Income-tax Act, 2025, section 6(2)). It has other conditions too, for citizens who left for a job abroad, citizens on a visit to India and some people with income above ₹15 lakh; if you are not sure, check the Income Tax Department's page on non-residents.

    Where
    Post office or bank branch
    Not confirmed

    The scheme only says "one of the guardians"; the General Rules' opening form asks for the guardian's name as "Natural/Legal". If someone other than a parent or legal guardian is opening the account, ask first.

    Sources: 1, 2, 3, 4, 10, 11

  3. Do this now

    For a third account, also give the guardian's affidavit about the twins or triplets, with their birth certificates.

    Where
    Post office or bank branch

    Sources: 1

  4. Do this now

    Deposit at least ₹250 to open the account; anything more in multiples of ₹50.

    After opening, collect the passbook and keep it safe.

    Where
    Post office or bank branch

    Sources: 1, 4, 2

  5. Do this now

    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.

    Where
    Post office or bank branch

    Sources: 1, 4

  6. Do this now

    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. If it is never set right in that time, all the money in it still earns the scheme's rate of interest until the account is closed.

    Where
    The post office or bank branch where the account is
    Fee
    ₹50 penalty for each missed year (with the ₹250 deposit)

    Sources: 1, 4

  7. Do this now

    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 for each quarter; this rate is for the quarter ending 31 December 2026, so check the figure after that.

    Where
    The post office or bank branch where the account is

    Sources: 1, 4, 5

  8. Do this now

    The guardian runs the account until the girl turns 18.

    After that she runs it herself, after giving the documents asked for.

    Where
    The post office or bank branch where the account is

    Sources: 1, 4

  9. Do this now

    If the guardian or the girl moved abroad and became an NRI after the account was opened, tell the office where the account is (Form-1 promises to report it).

    The account carries on with interest until it matures; after that there is no interest and no extension. The money cannot be sent abroad (non-repatriation).

    Where
    The post office or bank branch where the account is
    Not confirmed

    The rules do not say what papers this needs; ask where the account is.

    Sources: 2, 1

  10. Do this now

    If the guardian or the girl has stopped being an Indian citizen, the account counts as closed from the last day of the month before that happened.

    From then until it is closed, interest is paid at the post office savings account rate. Take the passbook to the office where the account is and apply for the money in it.

    Where
    The post office or bank branch where the account is
    Not confirmed

    The rules do not say which form or proofs to give in this case; ask where the account is.

    Sources: 2, 9

  11. Do this now

    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.

    Where
    The post office or bank branch where the account is

    Sources: 1, 4

  12. Do this now

    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.

    Where
    The post office or bank branch where the account is

    Sources: 1, 4

  13. Do this now

    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.

    Where
    The post office or bank branch where the account is

    Sources: 1, 4

  14. Do this now

    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.

    Where
    The post office or bank branch where the account is

    Sources: 1, 4

  15. Do this now

    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.

    Where
    The post office or bank branch where the account is

    Sources: 1, 4

  16. Do this now

    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.

    Where
    The post office or bank branch where the account is
    Not confirmed

    The scheme does not name a form for this application (Form-2 is for a death). Ask where the account is.

    Sources: 1, 4

If something goes wrong

If it is rejectedIf the post office refuses to open the account, pay out money or close it, ask why.

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 · Open the official page

18002666868

Sources: 6

If it is lateFor delays, such as a deposit not showing in the passbook or a payment held up, complain to India Post.

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 in reasonable time, contact the Telangana Circle Nodal Officer (pgco.tl@indiapost.gov.in). 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) · Open the official page

Sources: 6

AlsoIf the account is at a bank, complain to the bank first.

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. You can go to the Ombudsman if the bank has not replied within 30 days or you are not satisfied with its reply; complain within 90 days after that. On 14448 they explain how to complain; a complaint cannot be made on the phone.

RBI Ombudsman (CMS) · Open the official page

Sources: 7, 8

AlsoIf the passbook is lost, apply where the account is for a duplicate passbook.

If the passbook is lost, apply where the account is for a duplicate passbook.

The post office or bank where the account is

Sources: 2

Official websites for this work

All official websites →
Find the office in your district →

Related guides

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The 11 official pages and papers this guide is written from
  1. Sukanya Samriddhi Account Scheme, 2019 (G.S.R. 914(E), 12 December 2019), as published by India PostDepartment of Economic Affairs, Ministry of Finance, Government of India, Paras 2(1)(d), (e), (i) (birth certificate, family, maturity), 3 (opening, two girls per family and the twins/triplets proviso), 4 (deposits, default, and 4(5): interest on an account never regularised), 5(2)–(3) (how interest is worked out), 6 (operation), 7 (premature closure), 8 (withdrawal for education), 9 (maturity, marriage); 10 (the General Rules apply); Forms 1–4 (Form-1: declaration that the guardian and the girl are resident citizens of India and will report any change) (12-12-2019) · read on 30-10-2026
  2. Government Savings Promotion General Rules, 2018 (G.S.R. 1003(E), 5 October 2018), as published by India PostDepartment of Economic Affairs, Ministry of Finance, Government of India, Rules 3(1)(g) (Non-resident Indian), 4(1), (3) and (4) (resident citizens only, guardian and minor alike; 4(1), first proviso: a guardian may open an account on behalf of a minor; a depositor who becomes an NRI; one who ceases to be a citizen), 5 (opening: in person or electronically; Form 1 with proof of age of a minor and a recent passport-size photograph; Form 1, item 11: "Name of Guardian (Natural/Legal)"), 9(4)–(5) (interest after becoming an NRI or ceasing to be a citizen), the pass book rule (duplicate on loss), Schedule II (fees) (05-10-2018) · read on 30-10-2026
  3. Government Savings Promotion General (Amendment) Rules, 2023 (G.S.R. 238(E), 31 March 2023), circulated with SB Order No. 08/2023Department of Economic Affairs, Ministry of Finance, Government of India, New rule 6(1): Aadhaar number (or proof of enrolment, number within six months); PAN or Form 60 (PAN within two months of the stated events) (31-03-2023) · read on 30-10-2026
  4. India Post: Saving Schemes (Post Office Savings Account, Sukanya Samriddhi Account, interest table, FAQs, safety guidelines for investors)Department of Posts, Ministry of Communications, Government of India, Scheme details of "Post Office Savings Account (SB)" and "Sukanya Samriddhi Account (SSA)"; table "Post Office Small Savings Schemes (w.e.f 01.07.2026 to 30.09.2026)"; FAQs on ATM charges and on accounts with no ATM card; "Safety Guidelines For Investors". Page last updated 30.10.2026 · read on 30-10-2026
  5. Office Memorandum F.No.1/4/2019-NS: revision of interest rates for Small Savings Schemes, third quarter of FY 2026-27Department of Economic Affairs, Ministry of Finance, Government of India, Para 1: rates for 1 October to 31 December 2026 unchanged from the second quarter (1 July to 30 September 2026) (30-09-2026) · read on 30-10-2026
  6. India Post: Guidelines for Registration of ComplaintsDepartment of Posts, Ministry of Communications, Government of India, Guidelines: online, at a post office, call centre 18002666868 (8 AM to 8 PM except gazetted holidays), within 60 days, Circle Nodal Officer, DPG; Annexure B: Circle Nodal Officer, Telangana (pgco.tl@indiapost.gov.in). Page last updated 30.10.2026 · read on 11-11-2026
  7. RBI Complaint Management System: Reserve Bank – Integrated Ombudsman Scheme, 2026Reserve Bank of India, Home page: filing a complaint; contact centre 14448 · read on 30-10-2026
  8. Frequently asked questions: Reserve Bank - Integrated Ombudsman Scheme, 2026Reserve Bank of India, Questions 11 (the Contact Centre, 14448, guides on how to file a complaint; complaints cannot be filed through it) and 17 (first approach the bank; a complaint to the RBI Ombudsman if there is no reply within 30 days or the reply is not satisfactory, within 90 days after that) (01-07-2026) · read on 30-10-2026
  9. Notification S.O. 1050(E), 4 March 2021: rights of an Overseas Citizen of India (OCI) cardholder, under section 7B(1) of the Citizenship Act, 1955 (Gazette of India Extraordinary, Part II, Section 3(ii), No. 962)Ministry of Home Affairs, Government of India, Rights (1)–(4); right (5) (in all other economic, financial and educational fields not named, the same rights and privileges as a foreigner); Explanation (1) (an OCI cardholder is a foreign national holding a foreign passport and is not a citizen of India) (04-03-2021) · read on 30-10-2026
  10. The Income-tax Act, 2025 (No. 30 of 2025)Parliament of India; Gazette of India, Sections 3(1) (tax year) and 6(2) to 6(7) (residence of an individual) (21-08-2025) · read on 10-11-2026
  11. Non Resident FAQs (e-filing portal)Income Tax Department, Government of India, Questions 1 to 5, 7 and 10 (the conditions are those of section 6(1) of the 1961 Act; residence is assessed for each tax year) · read on 10-11-2026