How to Apply for Sukanya Samriddhi Scheme in 2026
The Sukanya Samriddhi Scheme (SSS) is one of India’s most trusted and rewarding girl-child savings plans launched under Beti Bachao, Beti Padhao. Designed to secure the financial future of a girl child, this government-backed savings program offers high interest rates, strong tax advantages, and disciplined long-term savings.
If you are planning to apply for Sukanya Samriddhi Yojana in 2026, this guide gives you a simple, step-by-step roadmap, key benefits, eligibility criteria, and application procedures.
What is Sukanya Samriddhi Scheme?
The Sukanya Samriddhi Scheme is a small-savings investment plan where parents (or legal guardians) can deposit money in an account opened for their girl child to help fund her education, higher studies, marriage, or future needs. It is known for:
- High government-declared interest
- Tax benefits under Section 80C
- Guaranteed returns
- Flexible yearly contribution period
Eligibility Criteria – Who Can Apply?
To open an SSS account in 2026, you must fulfill the following:
Girl child must be below 10 years of age at account opening
Only Indian citizens can apply
One account allowed per girl child
Maximum two accounts per family (exceptions for twins/triplets)
Sukanya Samriddhi Scheme 2026 Interest Rate & Features
The interest rate is revised quarterly by the Government of India. In 2026, it remains one of the highest among all government savings schemes. Key features:
Minimum annual deposit: ₹250
Maximum annual deposit: ₹1,50,000
Deposit period: Up to 15 years
Account matures: 21 years from the year of account opening
Tax benefits: Section 80C deduction + tax-free maturity
Required Documents for Sukanya Samriddhi Scheme
Before applying, make sure you have:
Birth certificate of the girl child
Parent / Guardian Aadhaar or identity proof
Address proof
Passport-size photos
Filled Sukanya Samriddhi account form
Two Ways to Apply in 2026
1. Offline Application (Post Office or Bank)
- Visit your nearest Post Office or authorized bank branch (e.g., SBI, PNB, Canara Bank).
- Request the Sukanya Samriddhi Scheme account opening form.
- Fill in details of the girl child and guardian.
- Attach required documents.
- Deposit initial amount (₹250 or more).
- Submit the form and receive your SSS passbook.
This is the traditional and most widely used method with support personnel to help complete the application.
2. Online/Semi-Online Application (Bank Mobile App)
Many banks now support digital onboarding:
Login to your bank app (if eligible)
Navigate to Government Schemes / Sukanya Samriddhi Yojana
Fill in child & guardian details
Upload scanned documents
Complete first deposit online
Visit branch once for verification
Online application is easier and saves time, especially for working parents.
Withdrawal & Maturity Rules
Partial withdrawal (up to 50%) after age 18 for higher education
Complete maturity amount released at 21 years
Premature closure allowed in specific cases like migration abroad
Why Apply for Sukanya Samriddhi Scheme in 2026?
The Sukanya Samriddhi Scheme remains one of the best investment options for long-term wealth building for girls. With excellent interest, tax freedom, and government guarantee, it ensures your daughter’s future remains financially secure.
