Sukanya Samriddhi A/c – List of Authorized Banks – Download Application form

Reserve Bank of India (RBI) has issued a notification on 11th March 2015, authorizing 28 banks to open Sukanya Samriddhi A/c. SSA (Sukanya Samriddhi Account / Yojana) is a Small Savings Scheme launched by our honorable PM Shri Narendra Modi. Sukanya Samriddhi Account/Khatha is a Government’s Small Savings Special deposit Scheme for girl child. This scheme is specially designed for girl’s higher education or marriage needs.

Where can I open Sukanya Samriddhi A/c?

Below is the list of banks where you can open Sukanya Samriddhi Account. RBI has authorized these banks to accept Sukanya Samriddhi Applications.

  1. State Bank of India (SBI)
  2. State Bank of Patiala (SBP)
  3. State Bank of Bikaner & Jaipur
  4. State Bank of Travancore (SBT)
  5. State Bank of Hyderabad (SBH)
  6. State Bank of Mysore (SBM)
  7. Andhra Bank
  8. Allahabad Bank
  9. Bank of Baroda (BOB)
  10. Bank of India (BOI)
  11. Punjab & Sind Bank
  12. Bank of Maharashtra
  13. Canara Bank
  14. Central Bank of India
  15. Corporation Bank
  16. Dena Bank
  17. Indian Bank
  18. Indian Overseas Bank (IOB)
  19. Punjab National Bank (PNB)
  20. Syndicate Bank
  21. UCO Bank
  22. Oriental Bank of Commerce (OBC)
  23. Union Bank of India (UBI)
  24. United Bank of India (UBI)
  25. Vijaya Bank
  26. Axis Bank Ltd
  27. ICICI Bank Ltd.
  28. IDBI Bank Ltd.

Sukanya Samriddhi Account – Application Form

Click on the below image to download Sukanya Samriddhi Account (SSA) application form (Sukanya Samriddhi A/c opening form in PDF format).

Sukanya Samriddhi A/c Application Form

Sukanya Samriddhi A/c – Passbook Specimen

Click on the below image to download the specimen of Sukanya Samriddhi Account Passbook (5 pages).

Sukanya Samriddhi Account Passbook

Kindly note that Sukanya Samriddhi A/c can also be opened in Post office (Daak Ghar. Sukanya Samriddhi Yojana Account can be transferred from a bank / post office branch to other bank / post-office branch.

Latest News : Interest Rate on SSA has been increased to 9.2% for Financial Year 2015-2016. This is effective from 1st April 2015.


For more details on Sukanya Samriddhi Account interest & maturity amount calculations, terms & conditions, features, tax benefits (Section 80C) details etc., kindly read my below articles;

  • Pooja kanwar d/o Ranveer singh says:

    2016 to 2017 detailas

  • N R VYAS says:

    If SSY account is transferred in bank before completion of financial year for example a/c transferred post office to bank in the month of January and transferred a/c opened in bank on 4th January. At the end of 31st March how much interest bank will add from January to March or for the complete financial year April to march.

  • Vishal says:

    Hello Sreekanth,

    I am a regular reader of your blog. All your posts are very informative & can be easily understand by a common man.
    Thank you for all your efforts really appreciated… Keep up the good work.
    I have a small query on SSY. I know ICICI bank is one of the authorized bank to open SSY account.
    I would like to know is online fund transfer allowed by ICICI bank ? I mean can we do NEFT & transfer fund to SSY account held with ICICI bank ?

  • Ram Prakash Meena says:

    Kindly confirm about the documents requiement for opening sukanya smridhi yojana account in SBI Bank.

  • Sravan says:

    Hi Srikanth,

    My loyal apprication for your service. Very useful info from your blog.

    Pls let me know is there any other scheme better than SSA. I was blessed with a baby girl on 12 may this year. Planing for savings on her name.

    I have a plan of investing more for next year’s will that be allowed.

  • premteja nayak says:

    My girl child DOB is 28Augs 2015, Can i open ssa a/c. & can we open this account

  • Mahesh Menghani says:

    What about NRIs – are they eligible for this scheme

  • Suresh says:

    HI Sreekanth,

    The information you provided was very useful. Actually I am planning to start Invest for my New born baby girl. I think this scheme was best suite for the baby.

  • Ravinder Kumar says:

    Dear Sir,
    My girl child DOB is 11 July 2014, Can i open ssa a/c. & can we open this account in this or next month (January 2016 or Feb. 2016

  • Gaurav says:

    Sir ,i had opened ssa accnt. in one of the postoffice, can I deposit the sum in any of the postoffice(say interstate postoffice) ,as I often away frm native
    Thank you

  • varghese m j says:


  • Sanjay kumar says:

    Sir, my daughter d.o.b is 21/03/2005 Can i opened SSA for my girl child, which bank is best to open a/c and i want to contribuit Rs 1500 Per month after my child age 21 Year what amount returned.

  • Magesh Babu says:

    Hi Dear,

    I would like to know what is the best date for next deposit (yearly or monthly basis)to get maximum returns & which one is good, monthly deposit or yearly deposit.?

    Thanks & Regards

  • Mayank says:

    Hi, ICICI Bank i think very few branches are accepting.
    I think RBI should take action on this


  • Esther says:

    If I save 1 lakh in Sukanya can husband show 50k for tax proof and I show 50K. How exactly can the parents show that for tax proofs

  • rajendra avhad says:

    pal muze mera a/c post office se banka me khulwana ho to kya karana padega

  • Md salahuddin says:

    Sir this finacial year for ssy interest rate is 9.2. The next 14 years interest rate will increase or decreese

  • Iyappan k says:

    I am interested in Skanya samriddhi scheme. However, I want to make an account with bank with fd of Rs.1.30 lakhs and interest portion to be transferred to the Sukanya schme directly by bank. Is it possible to make this. Either Post Office or bank. Kindly clarify immediately.

    • Dear Iyappan,
      I guess, Online transfer / Direct debit / ECS transfre facility is not provided for SSA accounts. However, kindly check with your banker if this facility is available.

  • jayanth says:

    pls give detail that at the time of maturity the girl child can withdraw the money by herself or the with drawl can be done by the legal guardian who opens the account ?

  • Anil Singh says:

    Dear Sir,

    i have opened my girl child account today ,right now i m in delhi on rented and having delhi voter id ,when i will go back to my native place den can i withdraw amount in my home town sbi bank or i have to come to delhi again for withdraw the amount after maturity.pls help

  • Lakshmi says:

    hi! we have a ppf a/c on my child name. Shall i open sss a/c also

  • Pratap Reddy says:

    I had open Sukanya Samruddi Account in my nearest post office, now i heard this is available in banks also, is there a way where in i can transfer SSA account to my SBI or IDBI bank. Request advise on this.

    The main reason is through online i can transfer to the account, currently in most of the post offices there is no online facility, i heard they are going to make online, but not sure when they will be online.

    • Dear Pratap,
      Yes, there is no update or clarity on online facility and by when will it be we need to wait for this to happen.
      Yes, you can transfer the account from post office to a bank. Kindly contact your post office branch for the transfer.

  • Amit walia says:

    I have two girl chld I want to open sukanya samriddhi youja a/c for both the child in corporation bank vivek vihar delhi branch but the Banks says no facilty to open the above account then what can I do.

  • R.GANESH says:

    i want know my savings account balance in post office under SSA schme333

  • Sanjan Dutta says:

    Dear sir/madam
    I want to open SSA account in sbi bank. Now I have little bit confused that before maturity SSA a/c if my daughter gets married then how can i widrow money from SSA account.

  • ravi G says:

    Dear Sir/Mam
    We have three girl children s, so i can open all of three ? SSA

  • Ambesh says:

    I was open a sukaniya account in post office. Now i want to know that Can I transfered the sukaniya account from post office to SBI Bank. If it is possible then please inform me the process.

  • Deepak says:

    Thanks for the sharing useful information..
    It;s really very helpful..

  • JOHN PETER says:

    Dear Sir,
    I have opened SSA account in a post office. Can i deposit the premium amount at anywhere post office? if not when the govt goes to convert this SSA account into computerized?

    Please reply sir…

    • Dear John,
      I am not too sure about when computerization is going to take place (online facility). I believe you can deposit from any post office branch (you may transfer the SSA a.c)

  • Gangadhar Shanbhag says:

    Thanks for all the good post. When are SBI likely to activate Sukanya Samruddhi account. From where can we get these details. Thanks for not advising to go to nearest post office. regards

  • Dolly says:

    Hello Sir,

    We are indian. My daughter is us citizen. But she has pio card. Can we take ssa from bank or post office.

    • Dear Dolly,
      The govt gazette does not talk about the NRI’s (or other Nations’ citizens’) eligibility to invest in SSA. Waiting for more clarity..Will update you ASAP..

      • Dolly says:

        Hello Sir,

        But in LIC Nri can take lic policies after completing a form for non resident indian. LIC is a govt company. Please let me know and clarify soon.


        • Dear Dolly,
          NRIs are not eligible to invest in Small Savings Schemes like Public Provident Fund, Post office small savings schemes etc.,
          SSA falls under the category of small savings scheme, but there govt gazette does not say anything abt this.
          Yes, NRIs can buy life insurance policies from a Life insurance company based in India.

    • K RENU says:

      Can I open the SSA account in State Bank of India in this month of April. Is it implemented in SBI or in any Banks ?

  • Kubendiran says:

    Dear Sir,

    I want open this account in SBH ( State Bank of Hyderabad ) bur the Branch people says i don’t know about the A/C… what i Do..?

  • sasikumar samuel says:

    Thank you very much sreekanth…..

    After read this comments, going to open this account…..

  • Hitendra yadav says:

    Dear sir, i want to know about national pension system(n p s a/c).where i open this type of a/c. nd what intrest rate we get in this.

  • Hitendra yadav says:

    Dear sir,sbi branch rura kanpur dehat u p. Dont know abt sukanya smridhi a/c

  • Kavitha says:

    Dear Reddy,
    I happened to read the below in this link
    Pl guide me if its true, main concern over returns being taxable.

    Tejas Says:
    03/21/2015 At 1:28 AM
    I had compared the same with LIC. And I found LIC better than the sukanya samriddhi.
    Here is the comparison. If I have missed somewhere let me know.
    Sukanya Samrudhi Yojana
    Its a Post Office New Scheme
    Sukanya Samrudhi yojana…
    9.1% Rate of Interest Compounded…
    For example Pay Rs 12000 for 14yrs & Get Rs 6lac on 21st yr…
    LIC has better option than this….
    1. Payment Term
    In post you have to pay Rs.12000 for 14 years
    In LIC you have to pay Rs.22500 but for 9 years only
    2. Insurance
    In case of death of Father
    In post family still have to pay 12000 per year till 14th year
    In LIC no need to pay and family gets 6 lacs immediately in case of accidental death (in case of natural death 3 lacs plus bonus)
    Hence concept of insurance is more important.
    In LIC
    premium – 22500
    Need to pay – 9yrs
    Total premium – 2lac
    On 21st year
    get Rs 6,32,000 totally TAX FREE.
    In Post
    premium – 12000
    Need to pay – 14 yrs
    Total premium – 1.80 lac
    On 21st year
    get Rs 6,07,000 TAXABLE
    4. Gauranteed Calculation
    In post 9.01% gauranteed for 2014-15 next year onwards it may change
    In post calculation is based on bonus and bonus history of LIC is gaurateed
    – See more at:

    • Dear Kavitha,
      LIC plan returns are mainly dependent on bonus rates, which may or may not be the same every year. They are also not guaranteed.
      The returns from the traditional life insurance plans can be around 6% max. Taxation benefits are applicable for both.
      It is better not to mix insurance with investment.

  • shirisha says:

    if we open an account with the amt of 1000/-
    after,next month onwards can we increase the money?and how the intereset will be calculate?

    • Dear Shirisha,
      Yes, deposit amounts can vary. Interest is calculated on monthly balance basis.

      • Rakesh says:

        Dear shirisha,

        There is no limit in number of transactions in a financial year . only limitation is in amount, means your total deposit during the FY should be restricted up to a maximum of Rs.1.5 lakhs only. One major merits in post office/Sukhanya Samrudhi when compared to LIC is that if a lapse occured during a financial year during any FY, it can be possible to deposit in the next FY with a nominal fine of Rs.50 only

  • Murali says:

    Dear Sreekanth
    I would like to know the difference between opening this a/c in a post office and a bank. Do we get access to online facilities if we open this a/c in bank. I am looking for ease of accessibility, like, online transfer of money to this a/c, checking balance. Transferring the a/c from one city to other etc..


    • Dear Murali,
      As of now, i dont think online depositing is available. Let’s hope that the value added services are made available soon.
      Yes, you can transfer the account to a different location anywhere in India.

      • Rakesh says:

        As per Office Memorandum of Ministry of finance , the facility to deposit the subscription will be made available in banking sector.Online banking facility to that particular Sukhanya Samrudhi Account will not available because of the Account Holder (As per RBI Guide lines ) is minor . During my visit to bank ,they are still not in a receipt of circulars about Sukhanya Samrudhi Scheme (SSA)

  • Boomamirtham.S says:

    Dear Sreekanth………. indian overseas bank they dont know about this scheme please update the information to the bank.

  • Nisha Sahaay says:

    Thank you so much sir for your great post.

  • Swaminathan says:

    Dear Sir,

    The clause about ’14 years’ is not clear. Is it that we can invest till the girl attains 14 years of age or we can invest for 14 years from the date of opening the account.

    And what if the girl child is 10 years old when opening the account? Can we invest 5 years only or till she attains 21?


  • TGANESAN says:


  • samarjit says:

    IDBI,bhagatpur Balia has denied that they dont have any information regarding such type of account

  • syed gul md says:

    SBI branch at Katwaw in West Bengal told that they did not know the scheme.

  • Dilip says:

    Has the banks started accepting to open this account, since I visited SBI yesterday, ie 12 March 2015 and the staff asked me that its happening at post office, may be they will take a week or so to start rolling out…

    • Dear Dilip,
      RBI has issued a notification to 28 banks, authorizing for opening SSA accounts. Looks like, Banks may take some more time before they start accepting the application forms..
      Post office branches have started opening the SSA accounts.

      • Since its March, no bank will open account. Banks may start opening account from 1st week of April.

        • Dear Sanyam,
          Thank you for sharing your views.
          Banks have received the RBI’s notification on 12th march 2015. Also, they are not yet ready with the required infra set-up (software requirements) to execute the account opening formalities. Whereas, some of the main Post office branches are accepting the applications, most of the branches received the circular (their internal circular dated 21-01-2015)) in the month of January itself.

          • Vishvdeep Pandey says:

            Since its March, no any bank will open sukanya account. Banks may start opening account from 1st week of April. it is possible or not. and one thing transfer money at sukanya account from our account are possible or not.
            Please help on this…

          • Dear Vishvdeep,
            You may try opening the account in Post office.
            Are you referring to online deposit facility?

  • Pankaj Singh says:

    Dear Sreekanth … I shard your post to my friends also and one more thanks from all of those to your hard work.

  • Shweta Pramar Sahu says:

    Good job Reddy sir.

  • dayaker says:

    thanks for update

  • Pankaj Singh says:

    Thank you Sreekanth. Great work, A complete guidance to all of those who are searching for Sukanya Samriddhi A/c and its procedure.

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