Sukanya Samriddhi Account Balance

Sukanya Samriddhi Yojana (SSY) account balance can be checked online through bank net banking or mobile apps, via SMS alerts, or offline by updating the passbook at a bank or post office branch.
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SSY Account Balance
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4 min
Aug 18, 2026

The Sukanya Samriddhi Yojana (SSY) is a government-backed small savings scheme designed exclusively for girl children below the age of 10. It offers attractive interest rates—often higher than many traditional savings options—and tax benefits, making it a strong choice for parents planning their child’s education and future.


The account matures after 21 years, creating a sizeable financial cushion for important milestones such as higher education or marriage. While the scheme has an 8-year lock-in period, limited withdrawals are allowed once the girl turns 18.


Looking for more flexible savings? With a Bajaj Finance Fixed Deposit, you can choose tenures between 12 to 60 months and enjoy assured returns of up to 7.75% p.a. Open FD.


Key Takeaways

  • Sukanya Samriddhi Yojana (SSY) account holders can check their account balance online through internet banking or mobile banking facilities provided by authorised banks.
  • Passbook updates at the post office or bank branch also help track deposits, withdrawals, and accumulated interest in the account.
  • Online balance checking offers convenience and allows parents or guardians to monitor savings regularly without visiting the branch frequently.
  • Keeping track of the SSY account balance helps in better financial planning for the girl child’s future education and marriage expenses.
  • The account provides attractive interest rates, tax benefits under Section 80C, and long-term wealth creation benefits for eligible investors.

Understanding the Sukanya Samriddhi Yojana policy

The Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme introduced under the Beti Bachao, Beti Padhao initiative to encourage long-term financial planning for a girl child. The scheme offers attractive interest rates, tax benefits, and a structured savings option to help meet future expenses such as higher education and marriage.


Importance of monitoring your SSY account balance

Regularly monitoring your Sukanya Samriddhi Yojana (SSY) account balance helps you stay on track with your long-term savings goals. It also enables better financial planning and ensures the account remains active by supporting timely contributions.

Why you should monitor your SSY account balanceHow it helps
Track savings growthView your deposited amount and annual interest credits to estimate the maturity value.
Plan future expensesAlign your savings with your daughter's higher education and marriage expenses.
Make timely depositsVerify annual contributions to help keep the account active and avoid default-related issues.
Check interests creditEnsure interest is credited according to the applicable SSY rules announced by the government.
Identify discrepanciesDetect missing deposits or transaction errors early and report them to the bank or post office.
Review financial progressAssess whether additional savings are required to meet your long-term financial goals.

Regular balance checks help you manage your SSY account efficiently and make informed decisions throughout the investment period.

Fixed Deposit

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  3. Rated CRISIL AAA/STABLE and [ICRA]AAA(STABLE)
  4. Up to 0.35% p.a. extra interest offered for senior citizens
  5. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

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How to apply for SSY?

Opening an SSY account is simple and can be done at authorised banks or post offices. You will need the following documents:

  • Child’s birth certificate (mandatory for eligibility)
  • Parent/Guardian photo ID (Aadhaar card, passport, or driving licence)
  • Address proof (utility bill, voter ID, etc.)

  • KYC documents as per the financial institution’s requirements


Once documents are ready, download the application form from the RBI, India Post, or bank websites, and submit it with the first deposit. The minimum deposit is Rs. 250, and contributions can go up to Rs. 1.5 lakh annually.


Want guaranteed growth with fewer restrictions? You can start a Bajaj Finance FD with just Rs. 15,000 and get the flexibility to choose payout options—monthly, quarterly, half-yearly, yearly or at maturity. Book FD.


How to check Sukanya Samriddhi account balance online?

If you already have a Sukanya Samriddhi Yojana account, you can check your balance through both offline and online methods. Understanding these options helps you track contributions and stay updated on your account status easily.

Offline

More than 25 banks currently offer the Sukanya Samriddhi Yojana scheme. To check your balance offline, use the passbook provided by your bank. Visit the branch periodically and get the passbook updated to view the latest transactions and account balance.

People also read: List of Banks Offering Sukanya Samriddhi Yojana

Online

With digital banking services, you can check your Sukanya Samriddhi Yojana balance online after registering for internet banking access. Follow these steps:

  • Step 1: Apply for login credentials

    Contact your bank and request online access for your Sukanya Samriddhi Yojana account. After verification, you will receive login details.


  • Step 2: Login with the credentials

    Enter your username and password on the bank’s internet banking portal to access your account.


  • Step 3: Access the Sukanya Samriddhi Yojana homepage

    After logging in, navigate to the Sukanya Samriddhi Yojana section. Your SSY balance is usually displayed on the dashboard or account summary page.


Unlike SSY, a Bajaj Finance FD allows easy online tracking of your investments, interest payouts, and maturity dates—no branch visits needed. Check latest rates online.

Fixed deposit variants

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Fixed Deposit - 60 Months

INTEREST RATES UP TO
7.75% p.a.
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Fixed Deposit - Senior Citizen

INTEREST RATES UP TO
7.75% p.a.
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Fixed Deposit - Age below 60

INTEREST RATES UP TO
7.40% p.a.
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Fixed Deposit - Minor

INTEREST RATES UP TO
7.40% p.a.
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Fixed Deposit - HUF

INTEREST RATES UP TO
7.40% p.a.
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Fixed Deposit - Sole Proprietor

INTEREST RATES UP TO
7.40% p.a.
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How to check Sukanya Samriddhi account balance by SMS?

You can check your Sukanya Samriddhi account balance or receive a mini statement through SMS by following these steps:


Step 1: Register your mobile number

Type “register” and send it to 7738062873 from the mobile number linked with your Post Office savings or current account.


Step 2: Confirmation of registration

You will receive an SMS confirming successful activation of the SMS banking service.


Step 3: Check balance

After registration, type “balance” and send it to 7738062873 to receive your Sukanya Samriddhi account balance.


Step 4: Get mini statement

To receive recent transaction details, type “mini” and send it to 7738062873.


Step 5: Receive information

You will receive an SMS shortly with your requested balance or mini statement details.


Checking balance through mobile banking apps

Many banks allow Sukanya Samriddhi Yojana (SSY) account holders to check their account balance through their mobile banking applications. After registering your SSY account with internet or mobile banking, you can log in to the app, navigate to the deposits or accounts section, and view the available balance, recent transactions, and other account details. This provides a quick and convenient way to monitor your savings without visiting a bank branch or updating your passbook.


How to transfer Sukanya Samriddhi Yojana account?

Step 1: Visit the bank or post office

The parent or guardian must visit the existing bank branch or post office where the Sukanya Samriddhi Yojana (SSY) account is currently maintained. Carry the SSY passbook and valid identity and address proof documents while initiating the transfer request process.


Step 2: Submit the transfer request form

Fill out and submit the account transfer application form provided by the bank or post office. The form generally requires details such as account number, existing branch details, and the branch or post office where the account needs to be transferred.


Step 3: Provide supporting documents

Applicants may need to submit KYC documents, proof of relocation, Aadhaar card, and other supporting documents required by the institution for verification and approval of the transfer request.


Step 4: Account transfer completion

After verification, the existing branch processes the transfer request and forwards the account details to the new branch or post office. Once completed, the SSY account can be operated from the new location.


How to close Sukanya Samriddhi account?

Account closure due to unavoidable circumstances

The Sukanya Samriddhi Account may be closed prematurely under exceptional or unavoidable situations approved by the authorities. Such closure is generally permitted in cases where continuing the account causes financial hardship or due to the unfortunate death of the account holder.

  • Premature closure may require supporting documents and official approval.
  • The balance amount along with applicable interest is transferred to the guardian or nominee.

  • Banks or post offices may ask for medical certificates or legal documents in specific situations.


Account closure for specific reasons

The SSY account can also be closed after the girl child reaches 18 years of age for higher education or upon maturity after completion of the scheme tenure. Closure requests must be submitted with the required documents and passbook.

  • The account matures after 21 years from the date of opening.
  • Withdrawal for higher education may require admission proof from a recognised institution.
  • Remaining maturity proceeds are credited after successful verification and closure formalities.

Tax benefits on Sukanya Samriddhi Yojana

SSY enjoys the unique EEE (Exempt-Exempt-Exempt) status under Section 80C of the Income Tax Act. This means:

  • Contributions up to Rs. 1.5 lakh annually are eligible for tax deductions.
  • The interest earned is completely tax-free.

  • The maturity proceeds are also tax-exempt.


While SSY locks your funds for a long tenure, you can diversify your tax-free and taxable investments by adding a Bajaj Finance FD, which offers assured growth without long lock-ins. Book FD.


Alternate methods to check SSY account balance

If online access is unavailable, you can still check your Sukanya Samriddhi Yojana (SSY) account balance through several convenient alternatives. These methods help you verify deposits, monitor interest credits, and keep your account records updated.

MethodHow it helps
Passbook updateVisit the bank branch or post office where your SSY account is maintained and update your passbook to view the latest balance and transactions.
Customer careContact your bank's or post office's customer support to enquire about your account balance after completing the required identity verification.
SMS alertRegister your mobile number to receive notifications about deposits, account activity, and important updates, where this facility is available.
Branch enquiryVisit the servicing branch with valid identity proof to obtain account details or resolve balance-related queries.
Account statementRequest a printed account statement from your bank or post office for a detailed record of deposits, interest credits, and the available balance.

Using these methods regularly helps you track your SSY savings accurately and stay informed about your account throughout the investment tenure. (updated)


Conclusion

The Sukanya Samriddhi Yojana is more than just a savings plan—it is a financial promise to secure your daughter’s future. With guaranteed returns, tax exemptions, and government backing, it stands as a trusted option for long-term planning.

At the same time, pairing SSY with Bajaj Finance Fixed Deposits gives you the advantage of flexibility, assured growth, and one of the highest FD interest rates in the market. Together, they create a balanced strategy to secure both short-term needs and long-term dreams. Open an FD account and start earning up to 7.75% p.a.

 

Calculate your expected investment returns with the help of our Sukanya Samriddhi Yojana and Fixed Deposit calculators.

Frequently asked questions

What is the minimum balance in Sukanya?

The minimum balance that can be maintained in a Sukanya Samriddhi Account is Rs. 250. However, making a minimum deposit of Rs. 250 every subsequent year is mandatory. Otherwise, a penalty of Rs. 50 will be levied on the account.

Is there any app for Sukanya Samriddhi Account?

Yes. You can download the Sukanya Samriddhi Account Mobile Application on your Android smartphone.

When can I withdraw my Sukanya account?

SSY accounts have a minimum lock-in period of 8 years. The girl child can make a premature withdrawal from her SSY account once she turns 18. The maximum that can be withdrawn is 50% of the balance amount. The full amount can only be withdrawn after the maturity period of 21 years is complete.

Can I invest in both SSY and a Fixed Deposit?

Yes. Many parents use SSY for long-term goals like higher education, while also investing in FDs for short to medium-term needs. Bajaj Finance FDs offer flexibility with tenures ranging from 12 to 60 months. Invest now!

Can I check the Sukanya Samriddhi account balance through a passbook?

Yes, the Sukanya Samriddhi account passbook records deposits, interest credits, and account balance details. You can update the passbook at the bank or post office branch.

How can I check my Sukanya Samriddhi Yojana account balance online?

You can check your Sukanya Samriddhi Yojana account balance through your bank's internet or mobile banking platform, provided the account is linked to these services.

Can I check the Sukanya Samriddhi account balance through a passbook?

Yes, you can check your Sukanya Samriddhi account balance by updating the passbook at the bank branch or post office where the account is maintained.

Is the Sukanya Samriddhi Yojana available in post offices?

Yes, Sukanya Samriddhi Yojana accounts can be opened and maintained at authorised post offices as well as participating banks across India.

What is the maturity period of the Sukanya Samriddhi account?

A Sukanya Samriddhi Yojana account matures 21 years from the date of opening or upon the girl's marriage after meeting the applicable eligibility conditions.

How to check my Sukanya Samriddhi Yojana account balance online?

You can check your Sukanya Samriddhi Yojana (SSY) account balance online through your bank's internet banking or mobile banking platform, if this facility is available. Log in to your account, navigate to the SSY section, and view the latest balance and transaction details.

What is the process for checking Sukanya Samriddhi Yojana account balance?

You can check your SSY account balance through internet banking, mobile banking, an updated passbook, or by visiting the bank branch or post office where the account is maintained. If online access is unavailable, request a passbook update or account statement to view the latest balance.

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