At a post office or bank

How a Sukanya Samriddhi account is opened

सुकन्या समृद्धि खाता कैसे खोलें

Last reviewed: 11 November 2026

The box above is a reading aid. It applies the age rule and the usual two-account limit from the 2019 Scheme. It does not open an account, and it does not say you are approved. Only the post office or the bank can accept the form.

खाता कहाँ खुलता है

A guardian opens the account in the girl’s name at a post office or an authorised bank. The National Savings Institute states that. India Post also notes deposits through India Post Payments Bank; the page to start from is India Post savings.

This site does not take the application. Do not pay a website to “open Sukanya” for you.

Who qualifies

From paragraphs 3(1) to 3(4) of the Sukanya Samriddhi Account Scheme, 2019:

• She is a girl, and she has not attained the age of 10 on the date of opening.
• She can have only one account under the Scheme.
• A family may open accounts for at most two girls.
• If the first two birth orders produce twins or triplets, more accounts may be allowed. The guardian gives an affidavit and the birth certificates. The proviso does not apply to a girl of the second birth if the first birth already resulted in two or more surviving girls.

The guardian operates the account until she is 18. After 18, she operates it herself once she has submitted the documents the account office requires (paragraph 6). An account can be transferred anywhere in India from one post office or bank to another.

Documents the counter will ask for

Paragraph 3 and Form-1:

• The application in Form-1.
• The girl’s birth certificate.
• The guardian’s documents. The form printed in the Gazette has fields for Aadhaar, PAN, addresses, contact details, and the birth-certificate number, date, and issuing authority.

List them, then carry them to the counter. Do not type Aadhaar, PAN, account numbers, or phone numbers into this website, and do not email them here. There is no upload on this page.

The form you need is the one the post office or authorised bank gives you under the 2019 Scheme, also printed in the Gazette PDF.

The first deposit, and the years after

• Minimum ₹250, and every deposit in multiples of ₹50.
• At least ₹250 in each financial year. A deposit every month is not required.
• Not more than ₹1,50,000 in a financial year. Anything above that accepted by mistake earns no interest and is returned.
• Deposits may be made until 15 years from the opening date. The account still matures at 21 years.

If a financial year is missed, the account is under default. Before the 15-year deposit period ends, it may be regularised by paying a ₹50 penalty for each year of default, plus the minimum annual deposit for the defaulted years. If that is not done in time, the deposits already in the account still earn the scheme rate until the account is closed.

After the account exists

India Post’s savings page describes net banking deposits into a Sukanya Samriddhi account (SSA), and an ePassbook that can show the balance and a mini statement. Both of those assume the account is already open. They are not the opening step.

The rate you will earn is the national rate, currently 8.2% a year for October–December 2026. It does not change because you chose a post office rather than a bank. See the interest-rate page and try a deposit on the calculator.