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

by Shiv Kukreja on March 16, 2015

in Investments

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.

{ 330 comments… read them below or add one }

Santanu March 17, 2015 at 6:44 AM

The list has increased up to 28 banks. But there is no news from when banks will start opening SSY account.

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Shiv Kukreja March 17, 2015 at 11:01 AM

I hope banks will start opening these accounts this week onwards.

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SWATI September 13, 2016 at 4:39 PM

hello mam this scheme not in andhra bank why

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Shiv Kukreja March 17, 2015 at 11:31 AM
deepak March 17, 2015 at 1:47 PM

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..

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Shiv Kukreja March 17, 2015 at 7:22 PM

Hi Deepak,
Please check this post for the maturity amount – /2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/

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Mahender Singh March 17, 2015 at 5:54 PM

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

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Piyush Kundu March 17, 2015 at 6:27 PM

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

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Shiv Kukreja March 17, 2015 at 10:04 PM

Yes Piyush, you can do that. Like PPF, many of these authorised banks would allow you to transfer money online to an SSY account.

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bindu March 17, 2015 at 8:32 PM

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

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Shiv Kukreja March 17, 2015 at 10:06 PM

Hi Bindu,
Yes, deposits made under this scheme will qualify for tax deduction u/s 80C for the current financial year (FY 2014-15).

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GAURAV March 17, 2015 at 9:38 PM

No info till date from banks………..

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Shiv Kukreja March 17, 2015 at 10:07 PM

It is very disappointing.

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Ankit Shukla March 17, 2015 at 11:05 PM

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

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Shiv Kukreja March 17, 2015 at 11:13 PM

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.

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manish March 18, 2015 at 11:32 AM

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

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Shiv Kukreja March 18, 2015 at 11:43 AM

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.

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viral March 18, 2015 at 10:05 PM

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.

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Shiv Kukreja March 18, 2015 at 10:06 PM

Yes, you can do that.

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Gaurav March 18, 2015 at 10:19 PM

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

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Shiv Kukreja March 18, 2015 at 10:26 PM

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.

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Nisha Sahaay March 19, 2015 at 10:14 AM

Dear Sir, what documents are required to get tax deduction benefit for Sukanya Samriddhi account ???

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Shiv Kukreja March 19, 2015 at 10:48 AM

Passbook copy would do.

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mahendrasinh March 19, 2015 at 11:32 AM

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

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Shiv Kukreja March 19, 2015 at 11:38 AM

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.

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Sarita Prashant Gadgil March 19, 2015 at 5:22 PM

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

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Shiv Kukreja March 19, 2015 at 8:05 PM

Every girl child, who is born on or after December 2, 2003, is eligible for this scheme. Your younger daughter might be eligible for it.

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Nitin Ganage March 19, 2015 at 8:52 PM

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.

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Shiv Kukreja March 19, 2015 at 9:09 PM

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.

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BIPLAB GHATAK March 20, 2015 at 9:47 AM

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

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Shiv Kukreja March 20, 2015 at 10:02 AM

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.

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parveen aisha March 20, 2015 at 4:02 PM

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

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meenakshi March 20, 2015 at 4:40 PM

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

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Shiv Kukreja March 21, 2015 at 12:27 AM

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.

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meenakshi March 21, 2015 at 1:02 AM

thank you sir

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pawan chand March 21, 2015 at 12:40 PM

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

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Shiv Kukreja March 23, 2015 at 10:11 AM

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.

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hemant March 21, 2015 at 2:02 PM

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

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Shiv Kukreja March 23, 2015 at 10:14 AM

I agree that the government should take some proactive steps for the banks to quickly start opening these accounts.

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Manoj March 21, 2015 at 3:04 PM

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.

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Shiv Kukreja March 23, 2015 at 10:15 AM

Only God knows!

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Amit Pandey March 21, 2015 at 4:56 PM

is NRIs holding Indian passport eligible to apply for their daughters (Indian Nationality)

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Shiv Kukreja March 23, 2015 at 10:16 AM

It is still not clear, but it is highly unlikely that NRIs would be eligible for this scheme.

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NRI March 22, 2015 at 1:36 AM

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.

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Shiv Kukreja March 23, 2015 at 10:16 AM

No, it is still not clear.

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Jagmohan March 22, 2015 at 12:07 PM

Hi Shiv, Can you please provide the date when can banks start opening account.

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Shiv Kukreja March 23, 2015 at 10:17 AM

Hi,
I’ll do that as soon as I get some info about it.

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Satendra March 22, 2015 at 2:32 PM

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

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Shiv Kukreja March 23, 2015 at 10:18 AM

Yes, you can do that.

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meenakshi March 22, 2015 at 9:52 PM

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 .

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Shiv Kukreja March 23, 2015 at 10:23 AM

Hi Meenakshi,
As of now, I don’t have this information.

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Prakash Amba March 23, 2015 at 8:59 AM

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?

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Shiv Kukreja March 23, 2015 at 11:33 AM

Hi Prakash,
Yes, it is like that in almost all these banks.

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abhishek garg March 23, 2015 at 2:07 PM

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

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Shiv Kukreja March 23, 2015 at 3:44 PM

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.

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vinod March 23, 2015 at 3:52 PM

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

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Shiv Kukreja March 23, 2015 at 11:03 PM

Hi Vinod,
Your Query is not clear.

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Ambica March 24, 2015 at 12:43 AM

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?

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Shiv Kukreja March 24, 2015 at 10:16 AM

Hi Ambica,
Please check this post – /2015/03/09/sukanya-samriddhi-yojana-calculating-maturity-value-after-21-years/

It has the maturity value tables in which you will find the answer to your query.

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pradeep March 24, 2015 at 10:01 PM

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

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Shiv Kukreja March 24, 2015 at 10:27 PM

Yes Pradeep, it is allowed to change the deposit amount every financial year. Minimum deposit amount is Rs. 1,000.

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rames March 25, 2015 at 12:09 PM

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?…

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Shiv Kukreja March 25, 2015 at 12:27 PM

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.

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Gangadhar M March 29, 2015 at 9:19 AM

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

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Shiv Kukreja March 29, 2015 at 10:55 PM

Hi Gangadhar,
The government will provide the necessary information soon to all the left out post offices/banks.

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Sunil Bondre March 29, 2015 at 1:17 PM

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.

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Shiv Kukreja March 29, 2015 at 10:59 PM

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.

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Sunil Bondre March 30, 2015 at 11:56 AM

Thanks Mr. Shiv for reply….hope keep in touch if you have update on this

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tej bahadur March 31, 2015 at 11:03 AM

SSY KA LAST DATE KAB TAK HAI

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Shiv Kukreja April 1, 2015 at 10:47 PM

SSY account khulwane ki koi last date nahin hai.

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avijit mahanty March 31, 2015 at 10:06 PM

Can I withdrawal the deposit amount in between

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Shiv Kukreja April 1, 2015 at 10:48 PM

Your daughter could withdraw 50% of the balance amount as she completes 18 years of age and 100% of the balance amount as she gets married.

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Krishnamoorthy V April 1, 2015 at 9:12 AM

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.

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Shiv Kukreja April 1, 2015 at 10:52 PM

Hi,
It is still not clear what will happen in such cases. You’ll have to wait some more time to get further clarity in this regards.

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nafees April 1, 2015 at 10:54 PM

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

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Shiv Kukreja April 2, 2015 at 2:00 PM

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.

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neha sharma April 3, 2015 at 5:22 PM

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.

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Shiv Kukreja April 6, 2015 at 12:44 PM

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.

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satpal April 4, 2015 at 2:30 PM

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

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Shiv Kukreja April 6, 2015 at 12:45 PM

Hi Satpal,
We do not have the list of bank branches which have started opening these accounts. You can get this account opened in any of the post offices.

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Aniruddh April 6, 2015 at 11:49 AM

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.

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Shiv Kukreja April 6, 2015 at 12:47 PM

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.

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Mahesh D April 6, 2015 at 11:54 AM

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…?

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Shiv Kukreja April 6, 2015 at 12:48 PM

Hi Mahesh,
We do not have the list of bank branches which have started opening these accounts. You can get this account opened in any of the post offices.

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Aniruddh April 6, 2015 at 11:58 AM

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.

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Sibasish Mukherjee April 6, 2015 at 5:38 PM

When bank start ssy A/C

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Shiv Kukreja April 7, 2015 at 12:52 PM

Hi Sibasish,
Only banks can provide the exact dates.

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Sibasish Mukherjee April 7, 2015 at 2:02 PM

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

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Shiv Kukreja April 9, 2015 at 8:48 PM

Sibasish, you can get this account opened in a post office as well.

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Sibasish Mukherjee April 16, 2015 at 5:06 PM

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 …..

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Rukesh Gupta April 6, 2015 at 10:24 PM

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

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Rukesh Gupta April 6, 2015 at 10:31 PM

Mera SBI branch Ka name hai SBI Barhait bazar Sahibganj jharkhand

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Shiv Kukreja April 7, 2015 at 12:51 PM

Rukeshji, thode din wait keejiye ya phir post office mein account khol sakte hain.

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suman Lata April 7, 2015 at 12:10 PM

Sir meri beti 8 saal ki hai, 21 saal bad wo 29 saal ki ho jeyegi lakin agar shadi 25 saal ki hone per hoti hai to kya sara amount mil jayega

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Shiv Kukreja April 7, 2015 at 7:59 PM

Yes, saara balance with interest shaadi hone pe mil jaayega.

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aarti April 7, 2015 at 12:32 PM

When bank start open ssy A/C

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Shiv Kukreja April 7, 2015 at 8:00 PM

Only banks can answer this question Aarti, very slow process.

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Tahir Saifi April 7, 2015 at 7:32 PM

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

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Shiv Kukreja April 7, 2015 at 8:02 PM

Dear Mr. Tahir,
1. For FY 2015-16, rate of interest is 9.20%. Please check this post – /2015/04/03/sukanya-samriddhi-yojana-calculating-maturity-values-9-2-interest-rate-applicable-for-fy-2015-16/
2. No info is there from which date banks will start acting.

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Venky April 7, 2015 at 8:45 PM

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?.

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Shiv Kukreja April 8, 2015 at 5:59 PM

Hi Venky,
If your daughter is India born, then your parents can get this account opened for your daughter by becoming her legal guardian.

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Venky April 13, 2015 at 9:22 AM

Thank you Kukreja….

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Shiv Kukreja April 13, 2015 at 9:36 AM

You are welcome!

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Pradeep Rohra April 8, 2015 at 3:36 PM

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

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Shiv Kukreja April 8, 2015 at 5:57 PM

Nothing can be done about it Pradeep, except waiting for them to start opening these accounts.

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sunil kumar April 8, 2015 at 9:38 PM

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

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Shiv Kukreja April 9, 2015 at 12:09 AM
Lalit Srivastava April 9, 2015 at 12:37 PM

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.

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Shiv Kukreja April 9, 2015 at 8:46 PM

Sukanya scheme is the best scheme for a girl child.

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Thokchom Anil April 9, 2015 at 12:42 PM

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.

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Shiv Kukreja April 9, 2015 at 8:47 PM

Sorry, we do not have any such authority to instruct banks to open these accounts.

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Anuj April 11, 2015 at 11:10 AM

Is there any bank which has started opening these accounts?

Rgds,
Anuj

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Shiv Kukreja April 11, 2015 at 11:32 PM

Hi Anuj, I have no info regarding this.

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Satendra April 14, 2015 at 1:14 AM

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

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Shiv Kukreja April 14, 2015 at 10:55 AM

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.

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Satendra April 14, 2015 at 12:47 PM

Dear Shiv,
thanks a lot for ur feedback.

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Shiv Kukreja April 14, 2015 at 12:51 PM

You are welcome!

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ESHWAR April 15, 2015 at 11:03 PM

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.

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Shiv Kukreja April 16, 2015 at 10:45 AM

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.

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kalpesh patodiya April 16, 2015 at 12:37 AM

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

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Shiv Kukreja April 16, 2015 at 10:47 AM

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.

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samsher April 16, 2015 at 2:02 PM

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

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Shiv Kukreja April 17, 2015 at 12:42 PM

Hi Samsher,
You’ll have to wait some more time for these banks to start opening these accounts.

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Dshrivastav April 16, 2015 at 5:47 PM

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

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Shiv Kukreja April 17, 2015 at 12:43 PM

Shrivastavji, thode din wait keejiye, banks abhi ye accounts open nahin kar rahe hain.

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dinesh April 17, 2015 at 10:56 AM

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

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Shiv Kukreja April 17, 2015 at 12:44 PM

You’ll have to wait some more time for these banks to start opening these accounts.

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Sibasish Mukherjee April 17, 2015 at 3:07 PM

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 …..

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Shiv Kukreja April 20, 2015 at 4:52 PM

No Sibasish, I don’t have any such info. I’ll update this forum as & when I get any such info.

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Sibasish Mukherjee May 2, 2015 at 1:50 PM

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 …..

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Shiv Kukreja May 4, 2015 at 1:35 PM

There is no info about the same Sibasish!

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Pawan Chand April 17, 2015 at 4:16 PM

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

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Shiv Kukreja April 20, 2015 at 4:56 PM

Thanks a lot Mr. Pawan for providing such a required guidance to all our readers here! 🙂

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Mahadevan April 27, 2015 at 3:15 PM

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

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indra April 17, 2015 at 11:59 PM

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?

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Shiv Kukreja April 20, 2015 at 5:00 PM

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.

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PRIYA RANA April 18, 2015 at 10:39 AM

What is the last date of this sceme

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Shiv Kukreja April 20, 2015 at 5:01 PM

It is an ongoing scheme, there is no last date as such for this scheme.

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manoj March 18, 2016 at 11:55 AM

If i died during 14 years of installment of this scheme then what about maturity

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sushmita April 18, 2015 at 1:49 PM

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

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Shiv Kukreja April 20, 2015 at 5:04 PM

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.

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chandra prakash shukla April 18, 2015 at 3:23 PM

send total ditel

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Shiv Kukreja April 20, 2015 at 5:05 PM

Sorry Mr. Shukhla, we do not provide such personalised services.

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Sibasish Mukherjee April 20, 2015 at 1:48 PM

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 …..

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Shiv Kukreja April 20, 2015 at 5:05 PM

No Sibasish, I don’t have any such info. I’ll update this forum as & when I get any such info.

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Sibasish Mukherjee May 5, 2015 at 3:22 PM

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.

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Pulak Das April 21, 2015 at 4:42 PM

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.

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Shiv Kukreja April 22, 2015 at 8:41 PM

Hi Pulak,
Yes, you can transfer your account to a bank later on. For the exact procedure, you need to contact the post office or the bank branch.

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rajender kumar chinda April 21, 2015 at 8:19 PM

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

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Shiv Kukreja April 22, 2015 at 8:42 PM
ujjwal datta April 23, 2015 at 12:09 PM

can i see my sukanya samridhi yojana account online for verification ?

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Shiv Kukreja April 23, 2015 at 1:30 PM

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.

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tarlika April 23, 2015 at 5:44 PM

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.

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Shiv Kukreja April 25, 2015 at 12:35 PM

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

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ganesh April 23, 2015 at 7:07 PM

Wat is the last date for SSY

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Shiv Kukreja April 25, 2015 at 12:36 PM

There is no last date as such for this scheme Ganesh.

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Sachin Shinde April 23, 2015 at 9:08 PM

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.

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Shiv Kukreja April 25, 2015 at 12:37 PM

Hi Sachin,
Can you please repeat your query?

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amit April 24, 2015 at 12:21 PM

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

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Shiv Kukreja April 25, 2015 at 12:38 PM

Hi Amit,
PNB has started opening these accounts. You can contact them at this number – 011-25744370.

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N.Ramu April 24, 2015 at 2:59 PM

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.

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Shiv Kukreja April 25, 2015 at 12:43 PM

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.

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Ramu.N April 24, 2015 at 3:11 PM

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

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Shiv Kukreja April 25, 2015 at 12:45 PM

Hi Ramu,
Please contact PNB for opening this account on 011-25744370.

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Ravi April 27, 2015 at 1:18 PM

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.

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Shiv Kukreja April 27, 2015 at 1:43 PM

Yes Ravi, it is very unfortunate that most of the banks are not guiding their customers properly.

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ESHWAR April 28, 2015 at 10:53 PM

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…

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Shiv Kukreja April 28, 2015 at 11:21 PM

Are you serious Eshwar? If yes, it is very disappointing.

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Ronotosh April 29, 2015 at 2:04 AM

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

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ESHWAR April 29, 2015 at 11:13 AM

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.

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shilpa April 27, 2015 at 8:35 PM

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

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Shiv Kukreja April 28, 2015 at 11:22 PM

No Shilpa, post offices do not provide online transfer facility.

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Neha April 28, 2015 at 7:18 AM

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.

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Shiv Kukreja April 28, 2015 at 11:26 PM

Hi Neha,
Please check this link – https://pnbindia.in/new/Upload/En/salient_features_of_sukanya_scheme.pdf

PNB’s contact no. is given on this page and this is the only no. I have for PNB.

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SANDEEP April 28, 2015 at 7:38 PM

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.

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Shiv Kukreja April 28, 2015 at 11:30 PM

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.

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sitaram April 29, 2015 at 1:10 PM

BOI R.T.Road br.Nagpur,not ready to open SSY a/c.Pl suggest.

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Shiv Kukreja April 29, 2015 at 1:20 PM

Please wait for a few more days for the bank to start opening these account.

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Raghu May 1, 2015 at 3:45 PM

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

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Shiv Kukreja May 7, 2015 at 12:16 AM

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.

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Govind Singh Negi May 2, 2015 at 12:52 PM

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.

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Shiv Kukreja May 7, 2015 at 12:16 AM

No idea by when all these banks will start opening these accounts.

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Anuj May 2, 2015 at 1:05 PM

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.

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Anuj May 2, 2015 at 1:09 PM

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.

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Shiv Kukreja May 4, 2015 at 1:37 PM

Yes, PNB has started opening these accounts.

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Shiv Kukreja May 4, 2015 at 1:36 PM

Yes Anuj, that is not true and you can deposit money as many times as you want.

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chander prakash May 2, 2015 at 3:58 PM

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

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Shiv Kukreja May 7, 2015 at 12:10 AM

Hi Mr. Chander Praksah,
I have been informed that post offices are assisting adequately in opening these accounts.

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aparna May 4, 2015 at 7:45 PM

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.

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Shiv Kukreja May 7, 2015 at 12:12 AM

Hi Aparna,
Please approach PNB or IDBI Bank as they have started opening these accounts.

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aparna May 4, 2015 at 7:45 PM

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

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deepak May 4, 2015 at 8:31 PM

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.

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Shiv Kukreja May 7, 2015 at 12:12 AM

Hi Deepak,
Please approach PNB or IDBI Bank as they have started opening these accounts.

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biju May 8, 2015 at 4:09 PM

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?

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Shiv Kukreja May 9, 2015 at 8:55 PM

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.

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biju May 8, 2015 at 4:09 PM

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?

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pankaj May 11, 2015 at 1:53 PM

I wish to link my SSA with my bank account. pls suggest

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Shiv Kukreja May 11, 2015 at 3:29 PM

You need to approach your bank to get linking done.

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Sandeep Yadav May 11, 2015 at 6:20 PM

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.

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Shiv Kukreja May 11, 2015 at 7:07 PM

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.

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Ganesh May 12, 2015 at 3:50 PM

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.

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Shiv Kukreja May 13, 2015 at 1:10 AM

Not sure whether online transfer facility is provided by IDBI Bank or not. I think even PNB would provide it after some time.

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Arvind kumar May 12, 2015 at 3:39 AM

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,

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Shiv Kukreja May 12, 2015 at 9:46 AM

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.

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Santosh May 13, 2015 at 12:43 AM

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

Thanks
Santosh Behera

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Shiv Kukreja May 13, 2015 at 12:52 AM

Hi Santosh,
Yes, it is perfectly fine to get this account transferred from a post office to a nationalised bank.

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Babagouda May 18, 2015 at 12:44 AM

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. .

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Shiv Kukreja May 18, 2015 at 12:37 PM

Thanks Babagouda,
Please check this link, it has the SSY calculator in Excel – /2015/04/24/sukanya-samriddhi-yojana-calculator-toll-free-number-list-of-post-offices-in-mumbai-to-open-an-account/

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Sachin Shinde May 18, 2015 at 10:01 AM

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.

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Shiv Kukreja May 18, 2015 at 12:39 PM

Thanks a lot Mr. Sachin for providing this highly important information!

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Sachin Shinde May 18, 2015 at 1:37 PM

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)

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Sachin Shinde May 18, 2015 at 1:43 PM

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

Reply

Shiv Kukreja May 18, 2015 at 2:22 PM

Again, thanks a lot Mr. Sachin for providing this highly important information!

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ESHWAR May 18, 2015 at 10:58 PM

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.

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Shiv Kukreja May 19, 2015 at 12:19 PM

Hi Eshwar,
I think you and we all should thank Sachin for this! 🙂

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Damodar May 26, 2015 at 12:14 PM

Hyderabad SBI branches started opening SSY account

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vikash singh May 20, 2015 at 10:29 AM

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

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ESHWAR May 20, 2015 at 9:49 PM

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.

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vikash singh May 20, 2015 at 10:34 AM

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

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Satendra May 22, 2015 at 12:37 AM

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

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Shiv Kukreja May 22, 2015 at 12:43 PM

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.

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Sanjay Singh May 22, 2015 at 12:30 PM

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

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Shiv Kukreja May 23, 2015 at 12:09 PM

Hi Mr. Sanjay,
Please try SBI, PNB or IDBI Bank. They have started opening these accounts.

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shailendra singh May 22, 2015 at 4:37 PM

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.

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Shiv Kukreja May 23, 2015 at 12:12 PM

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.

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Sachin Shinde May 22, 2015 at 5:35 PM

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

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Shiv Kukreja May 23, 2015 at 12:13 PM

Thanks again Mr. Sachin for providing this info!

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Prashant May 23, 2015 at 5:48 PM

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

Please guide us when & where I can open.

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Shiv Kukreja May 26, 2015 at 8:31 PM

Hi Prashant,
Either you should wait some more time or check it with some other bank or post office.

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Damodar May 26, 2015 at 12:17 PM

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.

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Shiv Kukreja May 26, 2015 at 8:34 PM

Hi Damodar,
Your mother can do so by becoming legal guardian of your daughter.

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Damodar May 29, 2015 at 2:51 PM

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

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Shiv Kukreja May 29, 2015 at 3:01 PM

That’s great!

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KANNAN G R May 26, 2015 at 10:21 PM

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?

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Shiv Kukreja May 27, 2015 at 12:55 PM

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.

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tarlika May 27, 2015 at 2:48 PM

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.

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Shiv Kukreja May 27, 2015 at 2:58 PM

Hi Tarlika,
Thanks a lot for sharing this info, it would be quite helpful to the readers here!

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Hiren Parikh May 28, 2015 at 3:26 PM

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

Reply

Shiv Kukreja May 28, 2015 at 7:11 PM

Thanks Hiren, glad to know that you liked the info provided here.

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Murali Malla May 29, 2015 at 11:20 AM

Thanks for all your useful information.

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Shiv Kukreja May 29, 2015 at 11:33 AM

You are welcome Murali!

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Dinesh May 29, 2015 at 3:02 PM

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.

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Shiv Kukreja May 29, 2015 at 3:26 PM

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.

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sushma May 30, 2015 at 2:31 PM

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

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Shiv Kukreja May 30, 2015 at 3:03 PM

Hi Sushma,
I have no idea when these bank branches will start opening these accounts. You need to check it with the branch itself.

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ravi kumar June 3, 2015 at 12:18 PM

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.

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Shiv Kukreja June 3, 2015 at 2:22 PM

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.

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Sachin Shinde June 3, 2015 at 2:43 PM

Hello Shivji,
I want to know that how I can see my SSY a/c details online?

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Shiv Kukreja June 3, 2015 at 2:47 PM

Hi Sachin,
Post offices do not provide online facilities. Bank do, but I don’t know which banks have started such access.

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Sachin Shinde June 3, 2015 at 2:52 PM

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.

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Shiv Kukreja June 3, 2015 at 3:15 PM

SBI is yet to operationalize this scheme on its website. I think they will take some more time before making it available for online access.

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Amit June 4, 2015 at 1:24 PM

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?

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Shiv Kukreja June 4, 2015 at 1:39 PM

Yes Amit, you can do so.

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Narendra June 5, 2015 at 11:36 AM

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?

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Shiv Kukreja June 5, 2015 at 1:05 PM

Yes Narendra, you can transfer your SSY account from PNB to SBI. But, even SBI has not been able to introduce online transfer as yet.

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Ravi June 6, 2015 at 6:25 PM

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

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Shiv Kukreja June 7, 2015 at 12:58 PM

You should go to some other branch of IDBI Bank or try some other bank.

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Raj June 6, 2015 at 6:30 PM

In kamothe,navi Mumbai which bank is ready to open ssy account.idbi bank not ready.

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Shiv Kukreja June 7, 2015 at 12:58 PM

We have no idea which bank branch is opening SSY accounts in Kamothe.

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anjali kaur June 6, 2015 at 7:52 PM

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

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Shiv Kukreja June 7, 2015 at 12:59 PM

Hi Anjali,
We have no idea whether Allahabad Bank in Chennai is opening these accounts or not.

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Senthil June 9, 2015 at 6:28 PM

Any update on SBM, Can we open in State Bank of Mysore?

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Shiv Kukreja June 9, 2015 at 6:39 PM

Hi Senthil,
We do not have any update about it.

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Senthil June 11, 2015 at 9:48 AM

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.

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Shiv Kukreja June 11, 2015 at 11:29 AM

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.

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Senthil June 12, 2015 at 1:51 PM

https://rbi.org.in/Scripts/helpdesk.aspx

This is one entry to check with RBI. Lets all post a question here. there might be some action.

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Shiv Kukreja June 12, 2015 at 2:16 PM

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.

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Madhav June 10, 2015 at 3:44 PM

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.

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Shiv Kukreja June 10, 2015 at 11:43 PM

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.

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Pradeepkumar June 11, 2015 at 10:31 PM

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.

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Shiv Kukreja June 11, 2015 at 11:29 PM

Hi Pradeep,
Though the banks are issuing passbooks, I think as it is a new scheme, PNB will take its own time to issue passbooks to its customers.

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Krishnendu Roy June 13, 2015 at 1:37 PM

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

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Shiv Kukreja June 15, 2015 at 11:42 PM

Hi Krishnendu,
It is hard to digest, please talk to the bank manager for the same. It should not show zero balance.

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Krishnendu Roy July 8, 2015 at 2:14 PM

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

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Shiv Kukreja July 10, 2015 at 6:16 PM

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.

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smita June 16, 2015 at 6:22 PM

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….

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smita June 16, 2015 at 6:32 PM

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….

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Shiv Kukreja June 16, 2015 at 7:10 PM

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.

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Preetha Kamath June 21, 2015 at 10:44 AM

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

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Shiv Kukreja June 21, 2015 at 8:57 PM

Hi Preetha,
NRIs are not eligible for this account.

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Murali Malla June 22, 2015 at 11:34 AM

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.

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Shiv Kukreja June 22, 2015 at 10:57 PM

Hi Murali,
You need to deposit money in SSY only once in a year, not monthly.

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Rajendra June 23, 2015 at 2:41 PM

Hi Shiv,

I got the information from different website stating that NRIs can open SSY account for their daughters, pls check below website.

http://tflguide.com/2015/03/sukanya-samriddhi-yojana-account-review-download-form.html

Pls clarify.

Regards,

Rajendra

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Shiv Kukreja June 23, 2015 at 6:31 PM

Hi Rajendra,
Could you please provide any quoted text or any link from this post? I could not find any reliable piece of information.

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Rajendra June 24, 2015 at 5:26 AM

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

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Shiv Kukreja June 24, 2015 at 8:15 AM

There is no basis of such info Mr. Rajendra. I have personally visited the post office and SBI, but they refused to open this account for an NRI.

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Rajendra June 24, 2015 at 12:49 PM

What about the child born in India and being an NRI.

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Shiv Kukreja June 24, 2015 at 6:08 PM

If the current status is NRI, then she is not eligible.

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Mangal June 25, 2015 at 8:13 AM

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

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Brijesh Kumar Tiwari July 2, 2015 at 8:24 AM

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.

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Prafull Patil July 5, 2015 at 8:15 AM

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

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Shiv Kukreja July 7, 2015 at 6:20 PM

Hi Prafull,
We do not have such details.

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Kumar July 8, 2015 at 5:27 AM

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.

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Shiv Kukreja July 24, 2015 at 7:12 PM

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.

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Tarun Jain July 17, 2015 at 12:18 PM

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

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Shiv Kukreja July 24, 2015 at 7:16 PM

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.

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anil kumar mandal August 4, 2015 at 10:22 AM

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.

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Shiv Kukreja August 6, 2015 at 2:52 PM

Sorry Anil, we do not have any such info about SBI branches opening these accounts in Madhubani. You can approach a post office also to open this account.

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Amol August 6, 2015 at 9:27 AM

Dear Sir
Please tell can we transfer funds to SSY account through netbanking.

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Shiv Kukreja August 6, 2015 at 2:53 PM

Hi Amol,
Some banks are offering online transfer facility.

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Subhas Banerjee August 11, 2015 at 12:57 PM

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

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Shiv Kukreja August 11, 2015 at 6:57 PM

Yes Subhas, you can transfer your account. You need to check the procedure from the SBI branch.

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Ram Niwas August 18, 2015 at 5:58 PM

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

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Shiv Kukreja August 21, 2015 at 4:06 PM

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.

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Kamlesh August 20, 2015 at 11:08 PM

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..

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Shiv Kukreja August 21, 2015 at 4:13 PM

Nahin Kamlesh, aisa kuch nahin hoga. Ye scheme PPF ki tarah chalti rahegi.

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Nikhil Goyal August 22, 2015 at 4:58 PM

kya sbp mohindergarh code 50105 me ssy open h please rply soon 9354262070

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Shiv Kukreja August 23, 2015 at 12:20 AM

This information we do not have Nikhil.

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sunder singh August 27, 2015 at 10:24 AM

Sir plz tell if suknya scheme is available in burari new delhi either postoffice or bank

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Shiv Kukreja August 31, 2015 at 3:58 PM

Hi Sunder,
We are not aware whether this scheme is available in Burari or not.

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Suresh Kumar September 28, 2015 at 11:58 AM

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

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Shiv Kukreja October 3, 2015 at 11:29 AM

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.

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Sandeep Yadav October 6, 2015 at 9:12 AM

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

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Amit December 2, 2015 at 5:55 PM

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.

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paranirajan December 9, 2015 at 6:15 PM

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…

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paranirajan December 9, 2015 at 6:14 PM

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…

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Rashmi December 11, 2015 at 4:13 PM

Very well-written and informative article. The calculation table is further useful. Thank you so much.

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Jayant December 15, 2015 at 8:30 PM

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

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Jayant December 15, 2015 at 8:30 PM

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

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anand March 17, 2016 at 11:29 AM

Even I have the same issue with Axis Bank what to do?

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srinivas May 20, 2016 at 6:53 PM

Even I have the same issue with Axis Bank what to do?

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Pankaj March 17, 2016 at 4:39 PM

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

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Prerna Singh April 18, 2016 at 12:39 PM

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

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Deepak Singh April 30, 2016 at 2:18 PM

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

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sukanya samriddhi yojana May 9, 2016 at 6:01 PM

Please visit your nearest bank and open account there. I think its better to open in bank as you will online money transfer facility.

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G L Mehta April 9, 2017 at 8:19 PM

sukya yojana kab se suru huoa & Intresht Ret

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ahariprasad June 7, 2016 at 6:24 PM

mygrantdouter 6months oldka account sukanyasamriddiyojanaq in hanamakondapleese send bank adress

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Vishal Singh June 19, 2016 at 12:45 PM

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

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Ajay kumar February 7, 2017 at 3:25 AM

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

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G L Mehta April 9, 2017 at 8:31 PM

suru kab Huwa kab se kab Tak Kya Intresht tha

Reply

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