Sukanya Samriddhi Yojana – Updated List of Authorised Banks to Open an Account, Specimen Application Form & Passbook

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]

RBI on March 11 issued a Circular to the authorised commercial banks to start observing the rules and regulations of Sukanya Samriddhi Yojana as per the Government of India Notification dated December 2, 2014. This circular has been marked to the Chairman & Managing Directors (CMDs) and Managing Directors (MDs) of some of the commercial banks operating in India.

These banks include most of the public sector banks, including State Bank of India (SBI), Bank of Baroda (BoB) and Punjab National Bank (PNB) and a few private sector banks also, including Axis Bank and ICICI Bank.

RBI has instructed these banks to approach Central Account Section, Reserve Bank of India, Nagpur for necessary arrangements to report Sukanya Samriddhi Account transactions with immediate effect. I think it means the RBI wants these banks to start opening accounts under this scheme without any further delays and the subscribers will not have to wait more to open their accounts. They can now approach these authorised banks to open an account.

Though it is still not clear if only these banks would act as the agency banks to open accounts under this scheme or some other banks would also join in, but it seems the following 28 banks would definitely be among all those banks authorised to open Sukanya Samriddhi Accounts (SSA).

Updated List of Banks to Open Sukanya Samriddhi Yojana Accounts

  • State Bank of India (SBI)
  • State Bank of Patiala (SBP)
  • State Bank of Bikaner & Jaipur (SBBJ)
  • State Bank of Travancore (SBT)
  • State Bank of Hyderabad (SBH)
  • State Bank of Mysore (SBM)
  • Allahabad Bank
  • Andhra Bank
  • Axis Bank
  • Bank of Baroda (BoB)
  • Bank of India (BoI) – Branches; Contact – 022-40919191 / 1800 220 229
  • Bank of Maharashtra (BoM)
  • Canara Bank
  • Central Bank of India (CBI)
  • Corporation Bank
  • Dena Bank
  • ICICI Bank
  • IDBI Bank
  • Indian Bank
  • Indian Overseas Bank (IOB)
  • Oriental Bank of Commerce (OBC)
  • Punjab National Bank (PNB) – Website Link; Contact – 011-25744370
  • Punjab & Sind Bank (PSB)
  • Syndicate Bank
  • UCO Bank
  • Union Bank of India
  • United Bank of India
  • Vijaya Bank

RBI also issued a specimen of application form and the passbook for opening an account under this scheme. Unlike the post office application form, this application form would be applicable just for this scheme only.

Here you have the specimen of the application form which the authorised banks/post offices will be using for opening Sukanya Samriddhi Accounts – Application Form

494SSAC110315_A3

Also, here you have the specimen of the passbook which the authorised banks/post offices will be issuing to the parents/legal guardian of the girl child – Passbook

You can also refer to the following posts for the complete details about this scheme:

Sukanya Samriddhi Yojana – Tax-Free Small Savings Scheme for a Girl Child

Sukanya Samriddhi Yojana – Application Form & List of Banks to Open an Account

Sukanya Samriddhi Yojana – Calculating Maturity Value after 21 Years

Sukanya Samriddhi Yojana – Sample Filled Application Form

If any of you have anything to share or ask about this scheme, please let us know.

333 thoughts on “Sukanya Samriddhi Yojana – Updated List of Authorised Banks to Open an Account, Specimen Application Form & Passbook

  1. Hi Shiv..thanks of the information.

    m hving two daughters 10 n 6 yrs old…iI hv opened ssy acct fr noth…n will mk saving @12000 per annum per account…ccn u tell me hw much amount I will get on maturity..

  2. Dear Sir/ Madam
    No information in all bank in Ghaziabad , I hving one daughter I have opened account for SSY
    Regards
    Mahender singh
    9953474595

  3. If I open a Sukanya Samriddhi Yojana in any Bank, Can i transfer money online to Sukanya Samriddhi Yojana account?

  4. Hello sir
    Is deposits made under SSY before 31 March 2015 will be applicable for tax benefits for year 2014-15?

  5. I am residing in East Delhi krishna nagar area in our locality no bank/branch is ready to open the SSY account what should I do

    1. Hi Ankit,
      It is very disappointing that these banks/post offices are taking it so long for providing services for this scheme. Even after the RBI notification, they are not acting to open these accounts. I think you should wait for a few days more for them to start opening these accounts. Nothing can be done about it.

  6. Dear sir
    What documents we need after (21 year)completion of ssy scheme to withdraw and who will get the maturity amount the child or guardian

    1. Dear Manish,
      It is still not clear what would you require to submit to withdraw money after maturity period of 21 years, but I think a declaration from the girl child would be enough for her to withdraw the amount. If not that, I think probably a copy of wedding invitation card or marriage certificate would be required.

  7. Please note that i am putting 1.5lacs in my PPF. My query is, can i continue my PPF and can invest in SSY scheme both? The investment is not for purpose of 80C benefit but it is mainly to reduce taxable interest income.

  8. Hi Shiv,
    My daughter is 2 years old and a US citizen by birth. Can I avail the benefits of this scheme for her ?
    Thanks,
    Gaurav

    1. Hi Gaurav,
      As post office small saving schemes don’t allow NRIs/OCIs/PIOs to invest, I think it is highly unlikely that your daughter would be eligible. But, it is still not 100% clear. I would suggest you to wait for some more time to get further clarity in this matter.

  9. i have open my child new account for post office but online transaction problem link for sbi bank with any banks ?

    1. Post offices don’t offer online transfer facility. You would be able to migrate your account to a bank in a few days time. SBI will offer online transfer facility, but I think SBI hasn’t started opening these accounts as yet.

  10. Sir, I have 2 daughters, elder is 16 yrs old and younger is 11 yrs.old. Can I open SSY account for them now? Pls reply

  11. I am having 3 months daughter I am interested in this Scheme. But I still not clear about how many years I have to pay installments. Some PO saying complete 21 years of age, some saying 14 years & then we have to keep total amount in FD to double till 21 yrs of daughter, then we can get that much amount.
    Can you please clear.

    1. Hi Nitin,
      You need to deposit money for 14 years from today and the scheme will mature in 21 years from the date of opening of account or whenever your daughter gets married, whichever is earlier.

  12. sir
    The SSY list has increased and annoused all the post offioce. But there is no news from when post office in west bengal (durgapur 713206,) will starts opening SSY account.
    so please confirmed where we are go

    1. Hi,
      You should wait for a few days more for your post office to start opening these accounts. Many post offices have started opening these accounts, while some are still not acting. This scheme is here for an indefinite time, so please be patient.

  13. plz notify me when we can open SSY account in oriental bank or state bank of india or state bank of hyderabad
    thanking u.

  14. Hello sir
    meri beti 1 saal 8 mhine ki h …. m apni beti ka account ssy m kholna chati hu …pr muje smj nhi aa rha h ..ki hme kitne rupe bhrne h …. saal m ..or .eska kya ..fayda hogs …mene 1 paper m pda ki ..1 saal m 1000 rupe bhrne h ..orr 14 saal m 14hjaar bhrne h …or 21 saal bad .. 6 lakh …milenge ..aap clear kroge ..pls ..ki kese kya .scheme h … or hm south delhi m rhte h ….. kya yha pr suru ho gya h .post office m ..ssy acc

    1. South Delhi ke post offices mein ye scheme shuru ho gayi hai. Aap Lodhi Road post office mein ye khol sakte ho. Is scheme mein aapko 14 saal tak kam se kam Rs. 1,000 deposit karne hain. 21 saal baad aapko paise milenge interest ke saath. But, Rs. 6 lakh ki figure galat hai aur agar koi bhi aapko 21 saal baad Rs. 6 lakh dene ki baat kehta hai, wo aapko misguide kar raha hai.

  15. Dear Sir,
    can we open the account in any post office/banks in the city or dedicated po/banks are providing this scheme like the same NPS account opening?

    thnks

    1. Hi Pawan,
      I think all of the post offices, but only authorised banks, are opening these accounts. Moreover, most of the banks have still not started opening these accounts.

  16. Mr shiv.. .you r not 100% sure. How bank will know about the scheme.. ..govt should made clear about the scheme to the banks also

  17. I just spoke to Indian Overseas Bank in Kerala, they are still not aware of such scheme, however they said will wait for circular to come. When would these procedures get completed at various bank branches? 2months ON since the scheme announced and banks still clueless.

  18. Would you be aware of whether the scheme is eligible for a Person of Indian Origin? Can their NRI guardian create an account?

    I have been to the RBI website which has the circular and other application forms, but could not find any information on residency rules.

  19. If we oped this account in ICICI bank, at a later stage can we transfer this account into other bank.
    pls clear.

  20. Hello sir
    south Delhi M kha kis bank m ssy account khol skte h …. kon se bank m ssy start ho gyi h ..south delhi m .

  21. Sir
    State run banks r not even made arrangements regarding the scheme. I enquired in IOB. They r clueless about the scheme. Is this the same situation with all the state run banks?

  22. hi dear,
    plz share me , can i open my 2yr old daughter a/c in ssy scheme , and if i m start with rs.1000 per month and after a yr i wish to pay more than rs.1000 per month . than how is it possible and than how we know how much i m getting the age of 21yr.

    thaking you
    abhishek garg
    8802153341

    1. Hi,
      1. Yes, you can open this account in your daughter’s name.
      2. You can increase your contribution in the subsequent years.
      3. It is not possible to calculate a precise maturity amount as your contribution will vary every year along with the rate of interest.

  23. I m Vinod
    i have open my child new account for post office but online transaction problem link for sbi bank with any banks
    and give me full information SSY sachem please

  24. Dear shiv,

    My daughter is just 5 months old. If i deposit rs 4k every month, please tell me the maturity value at 21 yrs?

  25. Hi shiv,

    I m going to open an account for ssy in post can u clear me that if i m open an account with rs. 1000/- and can i decrease and increase figure amount in financial year. Like i m paying 20000 in 1st financial year and then 2nd financial year i can deposit 5000 in a year can its possible?

    Thnx pradeep

  26. Hii
    Can you please tell me is this possible to increase the amount after opening the account.. It means afterwards 2 years possible to increase the monthly paying amount?…

    1. It is not required to fund this account on a monthly basis. You need to deposit money in this account only once a year. However, you can deposit money more than once also and there is no such limit on the money to be deposited. You can increase or decrease the amount to be deposited.

  27. Dear sir I am village person in village post office,rs nobody knows abt this scheme we ready to open this account BT we dont know the procedures and documentation pls give a information to village post offices .thanks regards .Gangadhar.M

  28. Dear Sir,

    I have one daughter 2 year old was born in Saudi arabia & having Consulate General, Jeddah Birth certificate where she doesn’t carry citizenship. (In Gulf countries cant get citizenship even you born there). She might been held Indian citizenship, not NRI/NRE status, but recently SBI bank was refused to open PPF account for her because she was born abroad.

    I am working in Saudi Arabia, now I want to open SSY account for her, can it possible. Also tomorrow If I moved back to India & settled there permanently, It still she not omit from NRE & avail the facility to open any government scheme account in India.

    1. Hi Sunil,
      It is still not clear whether NRIs or Indians living abroad are allowed to invest in this scheme or not. You’ll have to wait some more time for further clarification.

  29. Hello Sir,

    What will happen if the girl becomes NRI at the time of maturity? Will she get the maturity amount without any hassles? Please clarify.

    Thaks in advance.

  30. hi shiv
    i want to open a SSY account pls clarify that can i deposit different anmmount in ssy account per month or any fix ammount,
    what about 80c & 80ccc in ssy account.
    can u give the list of banks for SSY account in bhopal
    thanx in advance

    1. Hi Nafees,
      1. You can deposit any amount, subject to a minimum of Rs. 1,000 and a maximum of Rs. 1,50,000.
      2. You’ll get exemption u/s. 80C.
      3. I don’t have the desired list of banks in Bhopal.

  31. Hello Sir,
    Sir m Uttam Nagar New Delhi se hoo.Meri 1year 4 months ki ek beti h.Abi humare yahan ye account kisi b bank m ni khul rahe h.main PNB ya Allahbad bank m ye account khulwana chahti hoo but abi wahan ni khul rahe .To kya aap mujhe bata skte h ki kabse ye account bank m khulenge.Aur please mujhe ye b pata karna h ki iske liye kya kya documents chahiye.

    1. Hi Neha,
      Ye account khulwaane ke liye aapko apni beti ka birth certificate, apna id & address proof aur 2 photographs chahiye. Banks kab se ye account kholenge, iski information aapko banks se hi milegi.

  32. Hi I am satpal I am going for this scheme corpration bank bank manager say I have no any notification pls tell bank start this scheme till date

  33. Hi I am aniruddh I am going for this scheme ICICI & IDBI bank (Aligarh,Uttar Pradesh). but they say We have no any notification or circular about this scheme. pls instruct to bank start this scheme ASAP.

    1. Hi Anniruddh,
      I think you need to place a request with the government to instruct these banks to start opening these accounts. We do not have any such authority.

  34. I am visit to Vijaya bank, Trinity Circle Branch, Bangalore, but bank manager say I have no any notification…, pls tell bank start this scheme till date…?

  35. Hi I am Aniruddh I am going for this Sukanya Samriddhi Scheme ICICI & IDBI Bank(ALigarh, Uttar Pradesh) But They say We have no any notification or cercular about this scheme pls Instruct the banks to start this scheme ASAP.

      1. I am visit to State Bank of India for SSY, but bank manager say I have no any notification…, so please help me urgently.

          1. Today is 16.04.2015, I am not interest opening ssy account in post office for bad service, so when start bank ssy account ? Eny information please …..

  36. Mai SBI branch me es yojna Ka account kholne gaya.Branch manegaer ke duara kaha gaya ki abhi tak humare yaha gov.Ka aadesh nahi aaya hai kia kare jankari dene Ka kast karnge

  37. Dear Mr Kukreja,

    1 Kindly help with the rate of interest for the FY 2015-16 in this account
    2 Any information about when bank will start opening this account
    Thanks in advance

    Regards,
    Tahir Saifi

  38. Hi Kukreja,

    Please suggest me. Currently am in abroad, my parents staying in india. My Parents want to Start sukanya samriddhi account for my baby girl(9months old). is it possible to Start this Account with out me and my wife Involvement?.

  39. Even after RBI notification banks not accept application and give reason that our bank had not receive any updates. What can i do?

  40. If i will deposit 1000/- each month for 14 year then how much i will get after 21 years under kanya smurudhi scheme

  41. Hello Sir
    I have emailed to many banks but every one answered that no circular has been issued from RBI about this Sukanya pf. They suggested me to open ppf account for my 4 yr old daughter. If I deposit 33000/- per annum then what will be more beneficial and tax free for my daughter. RD , sukanya or ppf. Please reply soon as I want to invest at the earliest.

  42. Sir,
    I went to SBI Imphal Secretariat Branch (Branch code 004562) to open Sukanya Samriddhi Yojana. The SBI bank is not accepting my Sukanya Samriddhi Form saying that instead of coming to bank I much go to Post Office. If anything you can do from your end kindly do a needful. Thanks.

  43. PNB has started ssy account opening but it is not available on PNB website.
    you u have any info about when other banks are going to start SSY account opening

    1. Hi Satendra,
      I have come to know that even SBI have started opening these accounts, but not all the branches are doing it. I think by the end of this month most of the banks will start working on it.

  44. Dear Shiv, hats-of for your help, its speechless, you are answering everyone’s questions very politely and with more patience.
    i too helped many persons around me to aware of this SSY benefits, downloaded the SSY Calculator on my android phone and clearing the doubts on the spot. I just need a E mail notification whenever the Banks accepted to open SSY. Please send me, i am also in touch with bank officials, i will update to you. So nice of you, thanks again.

    1. Thanks a lot for your encouraging words & efforts Eshwar! 🙂
      I’ll write a post as & when I have any info regarding banks opening these accounts. I’ll also try to notify you personally.

  45. Dear shiv, I am staying Dubai with my family, I wish to open SSY for my 4 years old daughter, but she get born in Saudi Arabia, can anybody open an account for her ??? like my father or mother as they are staying at India. as you aware Gulf born will be by born Indian, they will not get resident for the same country. In that case if possible….please guide

    1. Hi Kalpesh,
      It is still not clear whether girls born outside India are eligible for this scheme or not. You’ll have to wait some more time for further clarification in this matter.

  46. Today I visited Union Bank of India, But they are not opening Sukanya Smridhi Yozna. They are directing to post office

  47. Dena bank me may dobar gya lekin sukanya samridhi yojana ka a/C nahi khula bolte hai Ki hmare yaha koi suchna nahi hai. Dadra dena bank me

  48. I have visited different banks for SSA but but all respond that there is no guideline for this account and unable to open.

  49. Today is 17.04.2015, I am not interest opening ssy account in post office for bad service, so when start bank ssy account ? Eny information please …..

      1. Today is 02.05.2015, I am not interest opening ssy account in post office for bad service, so when start SBI ssy account ? Eny information please update urgently …..

  50. Dear Sir,

    I have opened my Daughter’s SSA account last week in PO.
    Below documents they asked for submit.
    1) Child’s DOB certificate
    2) Parent’s PAN and Adhar Card

    Most of the people are complaining the PO services. Request to all to dont blame. I have opened this account very easily and all the PO staffs were very friendly and answering very well.

    Thank you sir for your help.

    Regards,
    Pawan
    Pune

    1. Pawan, Opening accounting Post office is very easy and friendly. But getting the money back after maturity you will run helter and skelter. Good luck

  51. HI Shiv.. my daughter is one year old. I have her birth Certificate but name is not mentioned in that.. so alternatively I told post officer to take my daughter passport as a proof. But they are saying this ‘ll not work.. I need to get birth certificate with name.. whatever post officer is saying is right?

    1. Hi Indra,
      I am not sure about it coz I think most of the birth certificates don’t carry babies’ names on them. I think birth certificate along with the passport copy should work. You should try it at some other post office.

  52. hi Shiv, my daughter is going to turn 9 this October. I believe to avail the SSY scheme, she has to be at least 10 years of age. pls let me know. does this yojana have a fixed term of 21 years or 14 years?

    thanks

    1. No Sushmita, your daughter is already eligible for this scheme as 10 years of age is the maximum entry age and not minimum entry age. You need to deposit money for 14 years and your daughter can withdraw it on her marriage.

  53. Today is 20.04.2015, I am not interest opening ssy account in post office for bad service, so when start bank ssy account ? Eny information please …..

      1. Today is 05.05.2015, Time is going on. Please update urgently about SSY. I am interest opening SSY account in SBI, so please help me.

  54. Hello Shiv,
    If I open a SSY a/c to post office now, in future can I transfer it to my bank? If so what would be the procedures? Thanks and regards.

  55. I want to deposit one time of Rs. one lac then after 21years what will be the machurity vallu

    1. Post offices do not provide any kind of online facility. But, the same is available with banks. So, you need to open this account with a bank for online verification.

  56. Hi shiv,

    You are doing great job.Thank you so much for sharing such important informations.I am waiting for banks to open SSA.Please let me know if any Bank is starting this scheme.

    1. Thanks Tarlika for your encouraging words!
      PNB has started opening these accounts in some of its authorised branches. This is their centralised contact number – 011 25744370

  57. Hello everyone,
    I am going to SBI branch for SSA a/c but Branch manager told me that he didn’t have notification from bank. Then I submit complaint to nodal officer. But till he give reply to me and nodal officer that he didn’t get any notification and request to help him about it. My next step will give complaint to RBI ombudsman.

  58. I am intreasted to open sukaniya samreddhe account in bank but bank not response. To open account. So what can I do.

  59. Hello Sir
    I have emailed to many banks but every one answered that no circular has been issued from RBI about this Sukanya pf. They suggested me to open ppf account for my 9yr old daughter. If I deposit 2,000/- per month then what will be more beneficial and tax free for my daughter. RD , sukanya or ppf. Please reply soon as I want to invest at the earliest.

    1. Hi Ramu,
      PNB has started opening these accounts. You can contact them at this number – 011-25744370. Moreover, as of now, Sukanya Samriddhi Scheme is the best tax-free scheme.

  60. I have visited different banks for SSA but but all respond that there is no guideline for this account and unable to open.

  61. ICICI Bank is also not entertaining clients for Sukanya Simridhi Yojana and it seems that they don’t have proper information and also not interested to deal in this. They simply say we don’t have much details regarding this.

      1. i have contacted the main HEAD of icici through mail and phone, they just replied ” PLEASE VISIT NEAREST POST OFFICE” .
        don’t waste your time…

          1. Dear Shiv,

            Any idea as when all the public sector banks will start opening this account? My plan is to invest between 1-4th any month, so please let me know if you have any information.

            I went to SBI today and they suggested me to open child plans instead. Are there any instructions/guidelines provided to Banks from Govt? bank staffs seemed clueless on this topic.

            Thanks,
            Ronotosh

          2. Yes Mr.Shiv

            here am pasting the reply they have given..

            _________________________
            Dear Customer,

            We understand your concern.

            With reference to your email, we inform you that, regarding the Sukanya Samriddhi account, we request you to visit the nearest Post Office.

            We look forward for your co-operation.

            Sincerely,

            Shravan
            Customer Service Officer
            ICICI Bank Limited
            ________________

            And i had a telephonic conversation with HOD main branch in HYD as well, they are also said the same, it seems they are not willing or they wont get any profit, so denied the RBI instructions. Am eagerly waiting and contacted the SBI, SBH also result is same. My friend is working as Probationary Officer for SBI.

  62. I have opened SSY account in post office. I would like to do online transfer every month. Is it possible to do.

  63. Hi Shiv,

    I am trying to contact PNB at the number you have provided but it seems that the number is not correct.Can you see if there is an alternate number from where i can get the details of PNB branches opening this account.

  64. Can you please let me know which sbi or icici branch in bangalore is opening SSA account. I am waiting for this to start in any bank. Nobody hase started to open excep POs.

    1. Hi Sandeep,
      I do not have the list of SBI/ICICI bank branches which are opening these accounts. PNB has started opening these accounts, you can check with them at the nearest PNB branch.

  65. I approached Bank of India Safdarjung Enclave Delhi branch they say they are not aware of any such account ? Are all braches of bank of india not giving this ? How or where from i can get this verified?

    Thanks

    1. Hi Raghu,
      You may approach PNB or IDBI Bank for getting this account opened. You need to check with BoI customer care to confirm whether BoI, Safdarjung Enclave is authorised to open these accounts or not.

  66. Any Idea By when all the listed banks will be started to open SSY A/c. I think most of the people is waiting for that moment.

  67. I just deposited the form in IDBI Kirti Nagar with Rs 2000.

    The bank was saying that I can deposit the amount only once during the year. I think that is not true and the rules will be same as that of PPF.

    1. I even contacted PNB at customer care no. of delhi(from their website) and they also said I can visit any PNB branch for opening and should talk to manager if the lower staff is not aware.

  68. Hello kukreja Ji,
    Is post offices are opening the same account without any disturbance.
    Can I get open account easily there.
    Thanks
    Chander Prakash

  69. Hello sir I live in Hyderabad and I want to open thisfor my daughter of 11months old in SBI. But when I went and checked in nearby branch they say it is only available in post offices. Please help me with which banks they are available in Hyderabad please.

  70. Hello sir I live in Hyderabad and I want to open thisfor my daughter of 11months old in SBI. But when I went and checked in nearby branch they say it is only available in post offices. Please help me with which banks they are available in Hyderabad please.
    A

  71. Hi ,
    I approached the SBI pinjore dist .Panchkula regarding opening of sukanya samaridhi account ,the branch manager replayed no such type of information available.pls suggest what can I do.

  72. Is Post office has online facility to collect the cash or each time I need to vist post office to deposit the money?

    Why this bank are not initiating this account opening?

    1. Hi Biju,
      1. Post offices do not provide online transfer facility. So, you’ll have to visit post office each time you want to deposit money.
      2. PNB & IDBI Bank have started opening these accounts. You can visit these banks in order to get your account opened.

  73. Is Post office has online facility to collect the cash or each time I need to vist post office to deposit the money?

    Why this bank are not initiating this account opening?

  74. Dear Mr.Kukreja,
    I am living in Gurgaon and as such no bank is allow to open accounts.
    I am not sure about other locations.

    1. Hi Mr. Sandeep,
      Have you tried PNB or IDBI Bank? I have checked with them, they have started opening these accounts. Please try, if you have not yet.

      1. Is online transfer facility available in IDBI bank?I checked PNB they told me i can deposit amount only in their branch and no online mode supported.

  75. dear shiv ji
    my daughter is a five year old. I have not birth certificate. because my daughter was born my home. so i can not make DOB certificate. please give me advise sir.can i make DOB certificate now. Please give me ans my mail Id [email protected].
    thanks,

    1. Hi Mr. Arvind,
      You need to get in touch with the municipal authorities to check whether they would issue you the birth certificate for your daughter or not. As per the terms of this scheme, birth certificate is mandatory. But, you can check for alternatives in your case.

  76. Hi Shiv,
    Is it possible to move the sukanya a/c opened in post office to any nationalized bank.

    Thanks
    Santosh Behera

  77. Dear Shiv, You are giving the information and clarification about SSY thanks a lot. .and Mr. Eshwar thanks to you also and where you downloaded the SSY calculator please let me know. .

  78. Hi everyone,
    From 16/5/2015 all SBI branches which operate PPF a/c starts opening SSY a/c.in this issue I sent email to general manager of SBI dated 27/4/2015 and his reply came dated 16/5/2015 as above. So,please contact to SBI.

  79. Hello Shivji,
    Reply to me from SBI as followsDear Sir,

    We are pleased to inform you that our branches will start opening Sukanya Samriddhi Account (SSA) wef 16th May, 2015. Please note all branches handling PPF accounts are authorised to open Sukanya Samriddhi Accounts too.

    Yours faithfully,

    AGM (Customer Service)

  80. Hi Shivji,
    Reply from SBI to me as follows Dear Sir,

    We are pleased to inform you that our branches will start opening Sukanya Samriddhi Account (SSA) wef 16th May, 2015. Please note all branches handling PPF accounts are authorised to open Sukanya Samriddhi Accounts too.

    Yours faithfully,

    AGM (Customer Service)

    From: “PSTOCGM”
    To: , ,
    Cc:
    Date: 05/13/2015 07:04 PM
    Subject: FW: Sukanya Samriddhi Account

      1. Wowww… its a good news for many….
        Thanks Shiv.. And i will convey the same message for people around me and i will check with Hyderabad SBI branches and i will let you know the updates.

  81. Dear Sir,
    In Manesar SBI refuse to open the account of Sukanya Samridhi Account. They told us the instruction will not received from RBI to open the said account. Help us to locate the bank & branch where the said account will open. waiting your early reply in this regard. yours truly vikash singh 8826676435

    1. As per the discussion with RBI manager in Hyderabad, Alwal branch
      All the SBI branches started opening the SSY across india. Dont know what is the problem in Manesar, let see they will get proper information soon, information is clear – only the process is late in swayome branches. Anyway its clear that all the SBI Branches in HYD are offering SSY.

  82. In manesar near gurgaon SBI IMT Manesar Branch reject to open the SSA Account due to non receive intruction from RBI to oprn the said Account. Help us to locate the nearest bank & branch address where the said account will open. waiting ur reply in this regard vikash singh 8826676435

  83. Dear All,
    is anybody open ssy account in SBI at Gurgaon?
    in last two days i have visited 5 branches in Gurgaon of SBI but all have same reply that they dont have any notification about same from RBI.

    REGARDS
    SATENDRA

    1. Hi Satendra,
      SBI branches are taking their own sweet time to open these accounts despite senior officials stating that they have started opening these accounts w.e.f. May 16, 2015.

  84. Dear all,
    I have approached to ICICI bank Bhainder west branch & Alahabad bank Miraroad East branch to open the SSY on 22.05.2015 but they refuse to open the account.

    Regards
    Sanjay Singh

  85. dear sir,
    I want to open ssy account of my daughter.she is 9yrs old. .Tell me sir,which bank are currently available to open account for ssy .I want to open account in fatehpur,U.P(212601).also clear that 14yrs plan of account opening. If my daughter is 9yrs old after 14yrs is will be 23yrs,or from 9yrs to 21st yrs to date of opening.

    1. Hi Mr. Shailendra,
      SBI, PNB and IDBI Bank have started opening these accounts, please approach any of these banks. Also, you need to deposit amount in this account for 14 years i.e. till your daughter turns 23 years of age or till the time she gets married, whichever is earlier.

  86. Hello Everyone,
    Today dated 22/5/2015 I have open SSA a/c in SBI branch-Nannaj,Solapur,Maharashtra. A/c no.34947769035

  87. Sir,
    Still IDBI Bank ( Talcher, Odisha) refusing to open SSA.

    Please guide us when & where I can open.

  88. To ALL the readers of this community,
    I have a Question. My Mother wants to open this account on her grand daughter in order to save tax. Is it possible to open?
    Appreciate all your comments on this question.

      1. Thank you Shiv Kukreja. I just opened SSY account for my little daughter and my mother as guardian.

  89. Dear Sir,
    I would like to open a Sukanya Samriddhi account both for my daughter and my sister’s daughter.Can I be the guardian just by a declaration? Can I claim tax benefit under both the accounts as I am paying for both? My sister’s daughter is now 10 years old.If I continue remitting for 14 years she will be 24 years old then.If her marriage comes prior to this will she be able to get the amount with interest before 14 years?

    1. Hi Kannan,
      Yes, you can contribute for your daughter as well as your sister’s daughter. You can also claim tax benefit against your contributions. Your niece will be able to withdraw the balance amount as & when she gets married after 18 years of age.

  90. Hi Shiv,
    I am in Ahmedabad.My S,B.I. Branch has started distribuing S.S.A.form
    from Today.Just Wanted all to know.

  91. Hello Author,

    I am keeping me eyes on your post and I sincerely thank you all for sharing the info. I am a proud father of 2 years old princess and will be opening this account shortly.
    Thanks again.

    Regards,
    Hiren

  92. I approached Sbi for ssy they provided me form but informed me that this account can not be opened jointly by parents. Only one can open. My query is if father has opened the account whether mother can deposit the money in the same account and can take tax benefits if yes what would be the procedure.

    1. Only the depositor can claim exemption u/s 80C. So, if the bank is refusing to open the account with joint depositors, then only the single depositor would be able to claim the exemption.

  93. Hi when Say will start in Sbh pimple saudagar branch? So many time I called n check but still they don’t have authority

  94. is it possible to transfer the SSY account from Post office to Bank?
    if so when onwards it started?
    i want to transfer the account from post office to bank.

    1. 1. Yes Ravi, you can transfer this account from a post office to a bank branch.
      2. I am not sure from when it has started or has it started or not as yet.
      3. You need to contact the bank branch where you want to transfer this account and check whether they have started opening these accounts or not.

  95. Hello Shivji,
    I have opened SSY a/c in SBI.I am user of their online banking.my saving A/C and PPF a/c are shown there but SSY a/c not shows.

  96. I have openend a PPF account for my daughter 2 years ago. She is presently 5 yrs old. Can i open a SSA account also in her name?

  97. I open sss ac for my daughter in pnb … but I am unable to transfer money in this ac thorough net banking.
    Can I transfer my ac from pnb to SBI?
    or the problem will exist in SBI?

  98. In kamothe,navi Mumbai idbi bank is not ready to open ssy account they says me they had not got any instruction.so they are not ready to open ssy account.but you are saying idbi bank open ssy account .I ask manager 4 to 5 times about ssy account.but not proper response

  99. Ssy scheme has started in Allahabad bank in Chennai or not ..please reply me because my bank people telling still I haven’t got any notice to open ssy account. Thanks sir

      1. Is there a way to escalate this issue to RBI or PM office? It will be easy if bank handle this scheme than post office.

        1. Hi Senthil,
          I have no idea about the right channel of approaching the RBI or the government in such matters. Moreover, I think approaching RBI/PMO won’t help you either in this matter.

          1. Thanks for sharing this link Senthil, I hope it helps people here and the RBI takes certain steps to direct banks to launch this scheme as soon as possible.

  100. I have tried to open SSY account in SBI branch at Anantapur main branch located in andhra pradesh but they refused to open the account. What they said ‘ they are not yet received any intructions from RBI to open SSY account’. Help us to locate the bank and branch to open the account.

    1. Sorry Madhav,
      We do not have the list of SBI branches which are opening these accounts. So, you need to contact SBI customer care to find out the nearest servicing branch for these accounts.

  101. I have Open an Account Under Sukanya Samriddhi Yojna in PNB , Vadodara. But Even After One Month Bank Had Not Issue Pass Book Bank had given Only Statement of transaction.Manager had Told Me That only Statement Are Given Under This Scheme. I Want To know That Bank Is Issue Passbook Or Not Under this Scheme.

  102. Dear Sir,

    I have opened Sukanya Samriddhi Account in Punjab National Bank with Rs.2000/- but credit balance is showing Rs.0/- , I asked the bank authority, they said as it is Govt project it will be showing Zero balance but it will show in statement. Is it true.
    Thanking You,
    Krishnendu

      1. Dear Sir,
        I talked with the manager of PNB, he showed me that all the money deposited by all the SSY account holder in India is transferred to one account in the name Sukanya Samriddhi Account, but PNB can give us statement of deposited amount but in pass book it will show zero credit balance, please suggest what to do next.
        Regards,
        Krishnendu

        1. Hi Krishnendu,
          Just get the statement issued by the bank & check whether it is getting credited or not. There is no reason to panic though as they must be doing it in the right manner.

  103. I have opened suknya samrudhdhi yojana for my daughters I want to deposit every month, is it possible to deposit online as its not possible to go post office every month. pls send me website link for the same if possible….

  104. Dear Shiv Sir
    I hv opened ssy a/c for my daughters in post office is it possible to deposite online as its not possible to go to post office each time, if yes pls share a link for same… thanks for ur help….

    1. Hi Smita,
      Post offices do not provide online transfer/deposit facility. So, you’ll have to visit your post office every time you need to make a deposit.

  105. hi sir

    I want to open sukanya samridhi account for my daughter . we all are NRI s. plesase advise whether we are eligible to open this account.

    regards

    preetha

  106. Hi Shiv,
    I want to open SSY account in bank.I want to deposit money yearly(i.e all 12 months money at a time) instead of depositing monthly.Is that option allowde by the banks?Appreciate for your responce.

    Thanks in advance.

    Regards,
    Murali.

      1. Hi Shiv,

        You can look the post commented in the last of 30/04/2015.

        Quote
        “Maruthish April 30, 2015, 12:39 PM”
        Unquote.

        or give me email i can send snapshot.

        Regards,
        Rajendra

  107. Hi
    This is fake list of authorized bank to open this account.

    I visited today in ICICI secto23, Gurgaon branch and still ICICI don;t have any information yet. Surprising that how RBI is working , here on net they have shared the list of bank but no information is sent to BANK. it seems Government is working quite fast but our bureaucrat is quite slow in sending the information, wonder on RBI functionality and information

  108. I want to opening sukanya samridhi youjna account in state bank of india at our home branch 03179 GEC Rewa (M.P.) for my 1st doughter Ku.Hemlata Tiwari (D.OB. 11.11.2006 ) and 2nd doughter Ku. Shristi Tiwari (D.O.B. 11.03.2014), Now I want to know this scheme fully details and benifit on this scheme, if, guardian accident, of child accidented in ascertainally before scheme maturity period.

  109. I would like to know whether Central Bank of India Kharghar Sector 17&18
    Navi Mumbai has been authorised to open Sukanya Samridhi Account.

  110. Hi, I have done all the formalities for opening the account with Axis Bank, JM Road branch mid of May and after much escalation, the Nodal officer of the Bank has given me a number saying that its my daughter’s account.
    But no official welcome letter, no mechanism to monitor the funds, no customer id etc. no mechanism to transfer funds, basically no facility to know where is the money and what is happening to the account.

    More so, bank is not able to access the account and the amount I had originally deposited with the Bank is also not visible anywhere.

    I wish to transfer the funds to SBI, what is the procedure? As there is no cheque book etc. Also, does SBI offer online facility on the same account? Will I be able to set SI with the account?

    Any information will help.

    Thanks.

    1. Hi Kumar,
      It is not pleasant to read your case. I do not expect such a careless handling of account by Axis Bank. But, you should wait some more time to get things settled. You should keep proof of deposit with you, ask for your account statement duly stamped and approach the bank after a month or so to inquire the updated status. I hope the bank will provide you with the passbook soon. In case you still want to transfer it to SBI, then you need to approach Axis Bank & SBI to initiate the transfer process.

  111. Hi,
    I have 2 daughters, I am having PFF accounts of both daughters in SBI, in which father is guardian and also want to open Sukanya Samriddhi Yojana Account for my daughters with their Mother as guardian. Is it ok, as the SBI bank says that they cannot open the Account with Mother as guardian.

    Please Advice.
    Also please let me know that u/s 80 C, apart from PPF saving of 1.5 lac how much extra benefit can i get for 1 daughter.

    Thanks and Regards

    1. Hi Tarun,
      1. I don’t think there is any restriction for the mother to be a guardian in this account.
      2. 80C limit is Rs. 1.5 lakh, so you cannot claim more than Rs. 1.5 lakh for tax deduction with this scheme.

  112. Dear sir
    I belong to madhubani bihar, sir there is a sbi branch in babubarhi which nearby with my home, refused to open sukanya samridhi yojna. As per them they dont have any information yet so can you please tell me where can I open this account in babubarhi madhubani.

  113. I have a Sukanya Samridhi Account in Sibpur P.O., can I transfer this Account to SIBPUR, SBI, Branch in Howrah, West Bengal. Kindly let me know the procedure

  114. Hi what is differance to opening account in Banks or Post office. Can we diposite monthly , quaterly , six monthly or annually. Please share.

    1. Hi Mr. Ram,
      With banks, you can deposit money anywhere in its bank branches in India. Banks also provide online funds transfer facility, which is not there with post offices. You can deposit money any no. of times you want.

  115. Dear sir,
    Kya ye baat sahi hai ki govertment change ho gayi to scheme bhi stop ho jayegi changw means abhi BJP hai ye aur next time congress aati hai to kya scheme band ho jayegi plz muze reply dijiye..

  116. Dear All,

    Is there anybody who has opened the account in PNB.As I have opened the SSA account in PNB at Punjabi Bagh, New Delhi.But they have not provided me SSA account book .

    Thanks

    1. Hi Suresh,
      Banks like PNB are slow in providing passbook for this scheme. You should talk to the branch manager and make a request to provide the passbook as soon as possible.

  117. I have opened accounts under SSY in post office for my two daughters five months back @ Rs 1000/- month. Plz let me know whether I can enhance the monthly amount or not.

    With regards

  118. I have opened the account in ICICI BANK bank also confirmed that account is open now how can i track my account and will bank will provide and passbook for that.

    1. Hi Amit, did you open savings account for your kid , before opeing SSY account??? because just i approached icici branch in bangalore.First they asked me to open savings account in the name of my kid (min balance Rs2500/-). after that only they will open SSY account. is it necessary to open savings account for my kid? cant i directly open SSY account in icici bank? Pls clarify me…

  119. Hi… just i approached icici branch in bangalore.First they asked me to open savings account in the name of my kid (min balance Rs2500/-). after that only they will open SSY account. is it necessary to open savings account for my kid? cant i directly open SSY account in icici bank? Pls clarify me…

  120. Hi Shiv,

    I recently opened SSS accounts for both my daughters in Axis bank. After following with the bank for 2 months, I was given the account nos over a call.

    There is no facility to view the account statement. No provision of a pass book. No online transfer facility.

    I am still following up with the bank, but even they have no idea on how to handle SSS accounts.

    Should I continue with Axis or transfer to some other bank? Please suggest the best bank to open SSS accounts.

    Regards
    Jayant

  121. Hi Shiv,

    I recently opened SSS accounts for both my daughters in Axis bank. After following with the bank for 2 months, I was given the account nos over a call.

    There is no facility to view the account statement. No provision of a pass book. No online transfer facility.

    I am still following up with the bank, but even they have no idea on how to handle SSS accounts.

    Should I continue with Axis or transfer to some other bank? Also please suggest the best bank to open SSS accounts.

    Regards
    Jayant

  122. I opened SSA account with IDBI bank. Very smooth. Next day I got SSA passbook. But no online account or transfer.

  123. Good Day Sir,

    My name is prerna .I want to ask about the SSY .I have one cousin under age 10.I am quit interested for this scheme. Please make it clear about this SSY.So that I can open my account thought SSY as soon as possible.
    and also wants to know its applicable all state in India……..or some specific. Waiting for your reply.

    Thanks
    Prerna

  124. Dear sir,
    sir, mane apne doter ka account sukanya samriddi yojanaya kalyanpur kanpur (u.p) post office ma form jma kiya thaa leakin abhi tak khata khola nahi gya hai jab bhi jataa hu tab ham see yha kaha jata hai ki doo din baad aoo our one month ho gya hai abhi tak .

    Tanks
    Deepak

  125. Hi All,

    What are the documents required to open SSY account. BOI is asking me to submit the below documents.
    1) Child’s DOB certificate
    2) Parent’s PAN and Adhar Card
    3) also they are asking me for Girl PAN card.

    Do I need to submit the Child PAN Card.

    Every time they are asking me to submit a new documents. Not happy with the BOI staffs… Can someone please suggest me which bank will be good to Open SSY account for my child?

    Thanks
    Vishal

  126. wonderful put up, very informative. I’m wondering why the other specialists of this sector don’t
    notice this. You must continue your writing. I’m sure, you have a great readers’ base already!

  127. Hi,
    I am Ajay kumar. I understood the scheme, suppose the depositor is die and then unable to deposit money, what will be the next steps?

    The scheme will continue for my Daughter without paying anything?

    The reason of my question is my wife is a housewife.

    Thank you in advance.

    Please if possible reply to my email address at [email protected]

    Regards,
    Ajay kumar

  128. please advice about income tax benefits in the schem. Whether interesf or maturity amount paid will be liable to pay incometax. Kindly clearify income tax benefits, if so. Thanks.

  129. Hii ,
    Can you please tell me this question’s solution? My sister is in leaving jalna with her husband and she has 3 daughter and theire age are 11, 6, 1. So my question is can i open the SSY account in Pune for her’s all daughter’s?
    is it possible?
    and if posssible then what documents are required for openning an SSY account?

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