This post is written by Shiv Kukreja, who is a Certified Financial Planner and runs a financial planning firm, Ojas Capital in Delhi/NCR. He can be reached at [email protected]
I have already posted three articles for Sukanya Samriddhi Yojana and the queries regarding this scheme are not showing any signs of tiredness. People have been asking all kind of queries regarding various features of this scheme and sharing all kind of experiences here on these posts. The biggest problem they are facing is to find out which bank branches are opening this account and accepting deposits from the general public. Banks are showing their inability to open these accounts as they do not have any clue about the account opening process.
I also got a few comments in which people wanted me to post a duly filled application form so that they can also easily fill the application form for themselves. So, here you have the sample of a duly filled application form:
The application form is fairly simple and you can fill it in less than two minutes. Also, I have filled this application form to the best of my knowledge. So, if any of you find any discrepancy in it, please point it out to me and I’ll rectify it as soon as possible.
Please don’t forget to carry the necessary documents to open this account, which are as under:
* Birth Certificate of the Girl Child
* Identity Proof or Aadhaar Card of the Parent/Legal Guardian
* Residence Proof or Aadhaar Card of the Parent/Legal Guardian
* 2 Photographs of the Depositor/Parent/Legal Guardian
Much has already been mentioned about this scheme in my earlier posts, so I’ll wrap it up here. If you have any query regarding this scheme or any of its features, please let me know.
Application Form for Sukanya Samriddhi Yojana
List of authorised commercial banks where you can get this account opened
Is there any age limit at which an investment in a daughter’s name can be made?
Hi Mr. Hegde,
A girl child born on or after December 1, 2003 is eligible for this scheme.
Sir,
We are living in gurgaon on rented house.we have residential proof our home town and we do not have aadhar card.how can be open sukanya account for my daughter.
Hi Bharat,
One address proof and one id proof is required for this scheme. Address proof of your home town will work. Moreover, Aadhaar Card is not mandatory.
I want to know the calculation of interest weather it will be counted periodically or yearly i.e.
if i deposit in april
1000*12=12000 pa @ 9.2% int=1104
if i deposit in september
1000*12=12000 pa @ 9.2% int=1104*7/12=644 OR full amount of 1104 will be availed
Hi Kavita,
Interest will be paid for the period of deposit and compounded annually. If you deposit in September, then interest will be paid for 7 months only and added to your investment amount in April.
Sir, We are blessed with girl baby. We got birth certificate also.
I have two doubts to open account.
1. Baby born on 29/08/2015. We got birth certificate too.
Are we eligible to open account?
2. In the above form, Under 1st depositor name, There mentioned two names. What does it mean? If i’m be the 1st depositor, could my wife be the 2nd depositor?
Thank you
Hi Jai,
1. Yes, your daughter is eligible for this account.
2. First name is of the girl child and afterwards, it is the depositor’s name.
Mr. Shiv,
On first page, point no. 7, you have mentioned two names, of your daughter and yours. But you have put U/G between the two names.
What does it mean?
Sir ..I have two girl child. But don’t have their date of birth certificate …is it possible to open sukanya samriddhi yojna account if I produced letter head from their school…. Sir plz reply as soon as possible
Hi Mithan,
You need to check it with the post office/bank whether they will accept such letter in lieu of the birth certificate.
Sir. Mujhe apni beti ka form bhrna hai plz help me
Sir,
Can you please tell me if the birth certificate of the child should contain his/her name? Initial birth certificate issues by the MCD does not have the name of the child. Should we get the Birth certificate with the name of the child mentioned on it?
Thanks in advance.
Hi Darpan,
It is better if the birth certificate carries the girl child’s name on it. But, it is not mandatory to have name on it.
Hi Shiv,
Could u please endure the facility of doing the SSA through net banking.Is there any option it for?
No Mr. Das, opening this account online is not allowed.
Hai Shiv,
Please tell me if sukanya samriddhe yojna can be opened through vijaya bank
Yes Regina, Vijaya Bank is opening such accounts.
Can I change deposit amount from 1500 rs to any amount
Can I change monthly deposit amount from 1500 rs to any amount in plus or minus
Please suggest
Yes Fakruddin, you can do so.
Hi I am an Indian living in United States Of America still have Indian passport. Can I open Sukanya samridhi account for my 1 yr old baby girl who is born in USA?? PLZ REPLY
Hi Rosalin,
Being an NRI or a PIO and born in the United States, your daughter is not eligible for this scheme.
Sir, I am confused fill the form SSA please help
Hi Dushyant,
You should visit any of the post offices or banks for the help in filling this application form.
sir,
can i change monthly contribution of Rs 1500 to any amount and back to orginal amount already opened ssa account
Sir,
Can i change monthly contribution rs1500 to any amount and revert back to orginal
Sir,
Can i change monthly contribution rs1500 to any and revert back to orginal
Yes Sairam, you can do so.
Sir plz Kya Aap mujhe call kar k jaankari de sakte hai ya apna number de mai call kar luge
9803864008
Please tell me the meaning of legal guardian.
The girl child is my uncle’s daughter.
Can I be the legal guardian ?
Can i get tax benefit for this ?
Wether i can get tax benefit for interest amt or deposited amount ?
Hi Bikash,
If you have been legally taking care of the girl child as a guardian, you would be termed as the legal guardian. If you are depositing the amount, then you can claim the deposited amount as a deduction u/s 80C. Interest amount would be tax-free on maturity.
I have a adopted child and the birth certificate process is going on……… meanwhile can i submit the application with the document……..
Hi Sofia,
Birth certificate would be required along with the application form.
Hi,
Planning to open one SSA a/c for my 8 year old daughter. Since the amount im investing is 1.5 lacs, a concern crossed my mind. If some unfortunate happen with me before my kid is 18, what will happen to the amount which has been paid so far? what is this nomination that has been left blank in specimen filled application form?
Thanks
Arati
Hi Arati,
Nomination has been left blank in the application form because nomination facility is not there with this account. In a way, the depositor is the nominee in case some unfortunate event happens with the girl child. In case of an unfortunate event happening with the depositor, the girl child or the legal guardian will have the option to either withdraw the balance amount & close the account or continue funding it.
Sir is it necessary to declare a fix amount in a year.I mean can I deposit 4000 in 1st year n 40000 in next year….plz suggest me I have a little princess..
Hi Ashish,
It is not required to declare any fixed amount. You can deposit variable amounts each year.
Sir can we withdrewl whole amount after 14 yrs
Namaskar Shiv,
It is amazing to find you answering so many enqiriessssss about Sukanya Scheme. All the girls getting benefited through this scheme are going to thank you for this arduous social service. May Lord SHIVA give you more and more energy and strength.
Namaskar Mr. Krishan,
Thanks a ton for your kind words and your wishes! 🙂