Sukanya Samriddhi Yojana Post Office Form PDF, Eligibility and Application Process

The Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme launched in 2015 under the “Beti Bachao, Beti Padhao” initiative to secure the financial future of girl children in India. Offering an attractive 8.2% interest rate, tax-free returns, and long-term wealth creation, SSY is a trusted choice for parents planning for their daughter’s education and marriage. This article provides a complete guide to the Sukanya Samriddhi Yojana Post Office Form PDF, eligibility criteria, and step-by-step application process to open an account at a Post Office. With a minimum deposit of ₹250 and a maximum of ₹1.5 lakh annually, SSY ensures accessibility and guaranteed returns for your girl child’s dreams.

Introduction to Sukanya Samriddhi Yojana (SSY)

The Sukanya Samriddhi Yojana (SSY) is a small savings scheme designed to empower girl children by helping parents build a corpus for their education and marriage expenses. As part of the “Beti Bachao, Beti Padhao” campaign, it promotes financial inclusion and gender equality. Key benefits include:

• High Interest Rate: 8.2% per annum (Q1 FY 2025–26), compounded annually.
• Tax Benefits: Exempt-Exempt-Exempt (EEE) status under Section 80C, with tax-free principal, interest, and maturity amounts up to ₹1.5 lakh annually.
• Guaranteed Returns: Backed by the Government of India, ensuring safety.
• Long-Term Wealth: 21-year tenure leverages compounding for substantial growth.

Eligibility Criteria for SSY at Post Office

To open an SSY account at a Post Office, specific eligibility criteria must be met:

Girl Child Eligibility

• Age: Must be below 10 years at account opening (one-year grace period allowed).
• Citizenship: Must be a resident Indian citizen until maturity.
• Number of Accounts: Only one account per girl child.

Parent/Guardian Eligibility

• Who Can Open: Natural (biological) or legal guardian of the girl child.
• Family Limit: Maximum two accounts per family for two girl children; three accounts allowed for twins/triplets with a medical certificate.

Documents Required for SSY Account Opening at Post Office

The following documents are mandatory to open an SSY account:

Girl Child Documents

• Birth Certificate: Mandatory to verify age and identity.
• Passport-Sized Photographs: Two recent photos (not older than 6 months).

Parent/Guardian Documents (KYC)

• Identity Proof: Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License.
• Address Proof: Aadhaar Card, Passport, utility bills (electricity, water, gas—not older than 2 months), Ration Card, or bank statement.
• Passport-Sized Photographs: Two recent photos of the guardian.

Additional Documents (if applicable)

• Medical Certificate: For twins/triplets to justify a third account.
• Adoption Certificate: For adopted girls.
• Guardianship Certificate: If opened by a legal guardian.

Sukanya Samriddhi Yojana Post Office Form PDF

The SSY account opening form (Form SSA-1) is essential for application. Here’s how to access and fill it:

How to Obtain the Form

• Download: Available as a PDF on the India Post website (www.indiapost.gov.in).
• Physical Copy: Collect Form SSA-1 from any Post Office branch offering SSY.

Key Sections of the Form

• Post Office Name: Enter the branch name where the account is being opened.
• Account Type: Mark as “SSA” (Sukanya Samriddhi Account).
• Girl Child Details: Name, date of birth, and birth certificate number.
• Parent/Guardian Details: Name, relationship with minor, ID, and address proof details.
• Initial Deposit Amount: Specify amount (₹250–₹1.5 lakh).
• Nomination Details: Nominee name, relationship, and address.
• Declarations: Confirm no other SSY accounts exist for the girl child.
• Signatures: Guardian’s signature; two witnesses if illiterate.

Note: Fill in capital letters, mark mandatory fields (*), and avoid errors to prevent rejection.

Application Process at Post Office (Step-by-Step)

Follow these steps to open an SSY account at a Post Office:

1. Obtain and Fill the Form: Download Form SSA-1 from www.indiapost.gov.in or collect it from a Post Office. Complete it accurately in capital letters.
2. Gather Documents: Prepare original and photocopies of the girl child’s birth certificate, guardian’s KYC (ID and address proof), and photographs.
3. Visit the Post Office: Go to an authorized Post Office branch offering SSY services.
4. Submit Documents and Deposit: Present the filled form, documents, and initial deposit (₹250–₹1.5 lakh) via cash, cheque, or demand draft.
5. Account Processing and Passbook: Post Office staff will verify documents. Upon approval, an SSY account will be opened, and a passbook will be issued.

Post-Opening Process and Management

After opening the SSY account, manage it effectively:

• Deposits:
  • Minimum: ₹250 per financial year to keep the account active.
  • Maximum: ₹1.5 lakh per financial year, in multiples of ₹100.
  • Methods: Cash, cheque, or demand draft at Post Office; online via IPPB mobile app after account opening.
• Default and Reactivation: If ₹250 isn’t deposited annually, the account defaults. Regularize by paying ₹50 penalty per default year plus ₹250 per year.
• Withdrawals: Up to 50% of the previous year’s balance can be withdrawn after the girl turns 18 or passes the 10th standard for education/marriage.
• Maturity and Closure: Matures after 21 years or upon marriage after age 18. Premature closure allowed for death, undue hardship, or NRI status.
• Account Transfer: Transferable between Post Offices or to authorized banks (e.g., SBI, Axis Bank) if relocating.

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