Sukanya Samriddhi Account Balance

Learn how to check your Sukanya Samriddhi account balance online.
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4 min
17-September-2025

 

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 7.30% p.a. Open FD.

 

Fixed Deposit

  1. Trusted by over 5 lakh customers
  2. Fixed Deposits worth more than Rs. 50,000 crore booked
  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

By proceeding, you agree to our Terms and Conditions

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.

Sukanya Samriddhi Yojana balance check

Online methods

  • Internet banking: If linked, you can check the SSY balance and statements through your bank’s portal.

  • Mobile banking apps: Many banks provide balance enquiry and statement facilities via their apps.

Offline methods

  • Passbook updates: Visit your post office or bank branch to update your passbook.

  • Direct inquiry: You can also check balances in person or via customer care.

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

Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
Recommended

Fixed Deposit - 60 Months

INTEREST RATES UP TO
7.30% p.a.
Invest Online

Fixed Deposit - Senior Citizen

INTEREST RATES UP TO
7.30% p.a.
Invest Online

Fixed Deposit - Age below 60

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - Minor

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - HUF

INTEREST RATES UP TO
6.95% p.a.
Open FD

Fixed Deposit - Sole Proprietor

INTEREST RATES UP TO
6.95% p.a.
Open FD

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.

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 7.30% p.a.

Calculate your expected investment returns with the help of our investment calculators

Investment Calculator
Systematic Investment Plan Calculator Fixed Deposit calculator Mutual Fund Calculator Gratuity Calculator EPF Calculator
Lumpsum Calculator Step Up SIP Calculator Sukanya Samriddhi Yojana Calculator Public Provident Fund Calculator RD Calculator

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!

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.