Punjab National Bank (PNB) Branches to Open a Sukanya Samriddhi Account (SSA) & PNB’s Centralised Contact Number

by Shiv Kukreja on April 26, 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]

The Government of India notified the rules for Sukanya Samriddhi Account (SSA) on December 2, 2014, Prime Minister Narendra Modi launched this scheme on January 22 and the RBI issued a circular to all the authorised agency banks on March 11. But, even after a series of such events, no bank was ready to open this account even a few days back. People were returning disappointed from the bank branches where they were told by the branch staff that no such notification/circular was received by them regarding any such scheme.

But, Punjab National Bank (PNB) has now officially started opening these accounts at 1604 of its branches all over India. Though the bank has not provided the list of these 1604 branches which have started serving for this scheme, it has provided a centralised customer care number calling which you can get the address of the branch nearest to your place. The number is 011-25744370.

Here is the link to the website of Punjab National Bank (PNB) on which you will get all the information regarding this scheme – PNB Website Link. Under Public Provident Fund & Govt. Saving Scheme, “Sukanya Samriddhi Deposit Account” is listed. When you click on that, it will take you to the following page – “Features of Sukanya Samriddhi Deposit Account.

As PNB must be having all the latest information about this scheme, I would like to highlight the features of this scheme once again as given by the bank on its website.

Depositor – For this scheme, Depositor is an individual who on behalf of a minor girl child of whom he or she is the guardian and deposits amount in account opened under this scheme.

Guardian – In relation to a minor girl child, Guardian means:

(i) either father or mother; and

(ii) where neither parent is alive or is incapable of acting, a person entitled under the law for the time being in force to have the care of the property of the minor.

One Girl One Child – Depositor cannot open multiple or more than one account in the name of a Girl Child. Natural or legal guardian of a girl child allowed to open one account each for two girl children.

Under this scheme, natural or legal guardian of the girl child shall be allowed to open third account in the event of birth of twin girls as second birth or if the first birth itself results into three girl children, on production of a certificate to this effect from the competent medical authorities where the birth of such twin or triple girl children takes place.

Age Restriction for Opening of Account – The account may be opened by the natural or legal guardian in the name of a girl child from the birth of the girl child till she attains the age of ten years and any girl child, who had attained the age of ten years, one year prior to the commencement of these rules shall also be eligible for opening of account under these rules. Scheme has been commenced from 02.12.2014.

Documents to Open the Account – (i) Birth certificate of girl child (ii) Address proof (iii) Identity Proof

Maximum and Minimum Deposit – Minimum – Rs. 1,000/- Per Year (thereafter any amount in multiples of Rs. 100). Maximum – Rs. 1,50,000/- Per Year.

Term Period – Deposits can be made till completion of 14 years from the date of opening of the account. The maturity of the account is 21 years from the date of opening of account or if the girl gets married before completion of such 21 years, the operation in the account shall not be permitted beyond the date of her marriage. In other words, No Deposit for the period from 15th to 21st year of account.

Interest After Maturity of account – If account is not closed after maturity, balance will continue to earn interest as specified for the scheme from time to time.

Interest will be compounded yearly and will be credited to account till the account completes fourteen years from the date of opening. Interest for the Financial year 2014- 15 is 9.1% p.a. and for Financial Year 2015-16, it is 9.2% p.a.

In case of account holder opting for monthly interest, the same shall be calculated on the balance in the account on completed thousands, in the balance which shall be paid to the account holder and the remaining amount in fraction of thousand will continue to earn interest at the prevailing rate.

Regularisation of irregular account and Penalty – Where minimum amount of Rs. 1000/- a year has not been deposited, then such irregular account may be regularised on payment of a penalty of Rs. 50 per year along with the minimum subscription of Rs. 1000/- for the year(s) of default any time till the account completes 14 years.

Mode of Deposit – Deposit can be made in cash; or by cheque or demand draft. Where deposit is made by cheque or demand draft, the date of encashment of the cheque or demand draft shall be the date of credit to the account.

Premature Closure of Account – (1) In the event of death of the account holder, the account shall be closed immediately on production of death certificate issued by the competent authority and the balance at the credit of the account shall be paid along with interest till the month preceding the month of premature closure of the account, to the guardian of the account holder.

(2) Where the Central Government is satisfied that operation or continuation of the account is causing undue hardship to the account holder, it may, by order for reasons to be recorded in writing, allow pre-mature closure of the account only in cases of extreme compassionate grounds such as medical support in life- threatening diseases, death, etc.

Pre-Mature Withdrawal – To meet the financial requirements of the account holder for the purpose of higher education and marriage withdrawal up to 50% of the balance at the credit, at the end of preceding financial year shall be allowed but such withdrawal shall be allowed only when the account holder girl child attains the age of 18 years.

Transfer of Account to Other Place – The account may be transferred anywhere in India if the girl child in whose name the account stands shifts to a place other than the city or locality where the account stands.

Closure on Maturity or Before Maturity due to Marriage of Account Holder – The account shall mature on completion of 21 years from the date of opening of the account. But, in case marriage of the account holder takes place before completion of such period of 21 years, the operation of the account shall not be permitted beyond the date of her marriage. In such closure of accounts, account holder will have to give an affidavit to the effect that she is not less than 18 years of age as on the date of closing of account.

Branches Authorized to Open Account – 1604 branches are authorized. Please contact at 011 – 25744370 for address of branch.

In case you do not understand any of its features and have any query regarding this scheme, please share it here, I’ll try to respond to it as soon as possible.

{ 42 comments… read them below or add one }

sudhakar April 27, 2015 at 7:56 PM

Name of pnb banks in Visakhapatnam which open suknya samridhi account


Shiv Kukreja April 29, 2015 at 10:58 AM

Hi Sudhakar,
You need to contact PNB at this number – 011-25744370 for branch information.


Mintu Kumar April 28, 2015 at 11:58 AM

When I had contacted PNB for opening this Sukanya Samriddhi account, they informed me that there is some problem and account balance is showing zero for all opened Sukanya Samriddhi account. Please check whether it has been resolved now or not.


Shiv Kukreja April 29, 2015 at 10:59 AM

I think you should not worry about that, they will correct it sooner or later.


Suresh Kumar August 5, 2015 at 9:55 AM

The same this happened to my deposit.Presently its showing Zero balance.And one more this if they give you passbook of this yojana


Bishnu May 6, 2015 at 5:37 AM

Is this type of account is also possible to open in post office?
or it is only for PNB.


Shiv Kukreja May 13, 2015 at 6:20 PM

Hi Bishnu,
As it is one of the small saving schemes, this account can very well be opened in post offices.


SANJOY MAJUMDER May 7, 2015 at 4:59 PM



Shiv Kukreja May 13, 2015 at 6:25 PM

Hi Sanjoy,
I am not sure about it, you’ll have to contact any post office or a bank.


Deepak Agarwal May 7, 2015 at 6:50 PM

i am intersted this kanya suknya smridhi account i am contect a nearest kamla nagar & Surya Nagar Branches Agra PNB Branches But he said a this facility is not available so pls cont me 9897950350 i have open this account


Shiv Kukreja May 13, 2015 at 6:28 PM

Hi Deepak,
PNB has started opening these accounts. Please contact some other branch of PNB to get this account opened.


Amit May 13, 2015 at 6:09 PM

When i called at the number – 011-25744370 to know the address of the branch nearest to my place.
It says “this telephone number does not exist” and “yeh telphone number maujud nahi hai” 🙂


Shiv Kukreja May 13, 2015 at 6:30 PM

Hi Amit,
That is a big problem with our Public Sector Banks (PSBs). There is a huge scope of improving their efficiency levels.


amitabh May 23, 2015 at 10:57 PM

No such number exists.


Shiv Kukreja May 25, 2015 at 1:13 PM

Yes, this number is not working. They must have been getting huge no. of calls on this number.


Loknath yadav June 5, 2015 at 2:53 PM

I fill the from at submit that at post office but they didn’t gave me any receipt when I ask for receipt they said .they will call me after an week. is it any mean.y they people are not giving the receipt.how coustmer will claim if they don’t get any account or information.plz check it out …post office at howrah maidan near howrah court pin-711101 west Bengal


Shiv Kukreja June 5, 2015 at 3:56 PM

Please don’t be worried about it Mr. Loknath. Please visit the post office again next week and you’ll get the passbook. This is how our post offices work.


abhay kumar June 13, 2015 at 9:17 AM

sir,i opened a SSA account in pnb in the name of my daughter in najibabad dist bijnor branch .i have deposited 1000 and 15000 in this account but till today this account is showing zero balance.sir no bank worker is not telling what is the resion of this sir pl clearifie me what is the resion of this.


Shiv Kukreja June 16, 2015 at 12:03 AM

Hi Abhay,
Even I don’t know the reason for the same. You need to check it with the bank manager.


pranaba behera June 26, 2015 at 11:32 AM

why punjipathar branch refuse to open sukanya samrudhi yoyona


Shiv Kukreja July 2, 2015 at 3:49 PM

Hi Pranaba,
You should ask the branch manager which PNB branch is opening this account.


Sailesh Advani July 21, 2015 at 11:59 AM

I have open my daughters Sukanya Samriddhi account at Punjab National Bank’s Santacruz west branch. The bank has given me an attested print out copy of the pass book but not the original.


Shiv Kukreja July 24, 2015 at 6:45 PM

Hi Sailesh,
Probably the bank does not have the passbook as yet. The attested statement is also perfectly fine.


Suresh Kumar August 5, 2015 at 10:12 AM

Dear all,

Recently I have opened this this account in PNB Punjabi bagh,New Delhi.
I deposited the money and they gave me the passbook and when they entered the activity (deposit/credit),its showing credit and again debit and now its showing Zero balance,they told me the amount from this account has been transferred to PM suskanay Samriddhi yojana.Ant the did not give me any sukanaya samriddthi yojana passbook of that account .

Anyone please clarify



Shiv Kukreja August 6, 2015 at 3:18 PM

Hi Suresh,
It is perfectly fine, the money is getting deposited in your daughter’s account only. For further clarification, contact the branch manager.


Suresh Kumar August 7, 2015 at 10:29 AM

Dear Shiv,

Thanks you very much for the reply.But the thing is that we don’t have any proof of that they have deposited in PM suskanay Samriddhi yojana.
They have not given the account passbook of Sukanaya Yojana

Suresh Kumar


Shiv Kukreja August 7, 2015 at 12:42 PM

Hi Suresh,
You should keep the deposit slip safe with you. If you issued cheque for the same, then bank entry is the proof for this transaction. If you still feel insecure, talk to the bank manager about the same.


Harry October 6, 2015 at 7:17 PM

hi, my daughter born in UK2010 but after birth she still living my parents in law and can my parents open account (SSA account)for her.we all have Indian nationality.


harshad October 8, 2015 at 10:22 PM

I opened SSA in Punjab National Bank
my problem is that after any amount of deposit
in passbook entry first they credit and second entry same day withdrawal in SSA and after deposit my balance is 000
Pls give me information rearding this problem and how they give me interest because if i deposit 15000 by cash
entry in passbook
withdrawal deposit balance
1 08/10/2015 cash 15000 15000
08/10/2015 SSAno 15000 0

pls solve my problem this entry is possible if i deposit up to 10 years my balance is nill


Swami shree devji hans January 21, 2016 at 11:34 AM



Swami shree devji hans January 21, 2016 at 11:35 AM
ANAYA January 29, 2016 at 10:14 AM




Monika March 11, 2016 at 7:56 AM

Account no changed no information to customer


jitesh kumar choubisa March 21, 2016 at 11:09 AM

i want sukanya Samriddhi Account (SSA)


Neeraj Kumar March 31, 2016 at 7:07 PM

Account no changed no information to customer and now online deposit facility not available also…


Ashok May 15, 2016 at 10:49 AM

I want to know that may I open sukanya Santiago yojna in amethi also
I am trying to find out the list of pnb where it open but I can’t
Can you pls ask me the list where I open the account in pnb amethi


Ashutosh Kumar Mishra June 15, 2016 at 12:55 PM

I have opened sukanya samriddhi in Pnb. Also I have saving account in same Pnb bank. I want to know’ how can i deposit in sukanya samriddhi through netpnb? When i add beneficiary 20 digit ssa account it ask for 16 digit account number.


Rohtash August 24, 2016 at 3:55 PM

I have opened ssa in pnb also i have saving account in same i want to know how can i deposit in ssa through by netpnb whwn i add benificial 20 digit ssa account it ask for 16 digit account number so pl clearify


Hemant September 5, 2016 at 6:07 PM

My daughter a/c SSA should be open Post office. Kya mai esko PNB me transfer kra skata hu.aur kase


rupesh rai September 12, 2016 at 9:39 AM

sir my daughter SSA open PNB bank but not given any passbook and certificate


ANOOP KUMAR July 3, 2017 at 12:01 PM




lakhvir singh November 24, 2017 at 10:50 AM

I have opened ssa in pnb also i have saving account in same i want to know how can i deposit in ssa through by netpnb whwn i add benificial 20 digit ssa account it ask for 16 digit account number so pl clearify


Leave a Comment

Previous post:

Next post: