Sukanya Samriddhi Yojana Documents and How to Open the Account

Who can open a Sukanya Samriddhi account

The account always belongs to the daughter, but an adult opens and runs it for her. Under the scheme, that adult is the guardian, which means a natural parent (mother or father) or a legal guardian appointed for the child.

• Your daughter must still be under 10 when the branch opens her account.
• The account is meant for a girl child resident in India.
• The guardian operates the account until she turns 18. From then on she handles it, after giving the branch her own papers.

If your daughter is close to her tenth birthday, do not wait. Our age limit page explains exactly how the cut-off works.

Sukanya samriddhi yojana documents required

The scheme itself names three items: Form-1 (the opening form), proof of the daughter's birth, and KYC of the guardian. KYC, short for "know your customer", is the standard identity and address check for any savings account. This is what counters usually want to see:

These are the documents required for sukanya samriddhi yojana at almost every counter. Carry the originals, and ask the branch whether it also wants photocopies. People searching "sukanya samriddhi yojana me kya kya documents chahiye" are asking for exactly this list.

Step by step: how to open the account

1. Choose the place. Pick a post office or any bank branch approved for the scheme. Whichever you pick, the rate and rules stay identical.
2. Get Form-1. Collect it at the counter, or print it from the scheme notification PDF that India Post hosts.
3. Fill the form. Copy your daughter's name and birth date from her birth certificate without changes, then add your own details as guardian, matching your KYC papers.
4. Attach papers. Attach the documents the branch asks for and the photographs.
5. Pay the opening amount. The minimum is Rs 250, payable by cheque, demand draft or cash. After this, every deposit has to be a multiple of Rs 50.
6. Collect the passbook. Check every printed detail before leaving.

For counter-specific tips, see our post office guide or our page on SBI and other banks.

Sukanya samriddhi yojana online: what works and what does not

Searches for sukanya samriddhi yojana online apply options, or a way to get the account open online, are among the most common. Here is the honest answer: fully online sukanya samriddhi yojana account opening is not available.

• Opening: you cannot apply online and finish the whole thing from home. India Post opens the account only at its counters. SBI is a partial exception: its net banking users can fill the opening form on screen, but the printout, papers and Rs 250 still have to reach a branch.
• Sukanya samriddhi yojana online payment: after opening, money can go in online. Post office accounts accept deposits from the IPPB (India Post Payments Bank) app or the DOP mobile banking service, if a linked account is set up. A bank-held account can be topped up through that bank's own internet or app channels where they exist.
• Passbook: whether you can view the sukanya samriddhi yojana passbook online depends on the app your post office or bank provides. We could not confirm the details, so ask at the branch.

Nobody needs to pay a middleman to apply online for this scheme. Keep OTPs and Aadhaar numbers away from callers and unknown links.

The forms used in this scheme

The Sukanya Samriddhi Account Scheme, 2019 sets out the forms used over the life of the account. The ones families meet most often are:

You can read the forms in the scheme notification PDF hosted by India Post. Withdrawals and closure are covered on our withdrawal rules page.

How many accounts can one family open

A daughter is allowed a single account in the whole country. Two daughters per family is the usual ceiling.

The twins and triplets exception

A family may go past two accounts if its first or second delivery produced twin or triplet daughters. In that case the guardian files an affidavit together with the birth certificates.

The exception does not cover every case. If the first birth already gave the family two or more surviving girls, a second birth of twins does not qualify for extra accounts. For example, a family whose first birth was twin girls can open accounts for both of them, but a later daughter would not get a third account under this exception.

Grandparents and the guardianship rule from October 2024

Many families had accounts opened by a grandparent. Rules from the Finance Ministry for irregular accounts across small savings schemes, applied from 1 October 2024, changed this for Sukanya accounts:

• Where a grandparent without legal guardianship opened the account, the guardian on record has to be changed to the mother, the father or the girl's legal guardian.
• If a family holds more than two accounts in breach of the rules, the extra ones are shut, except where the multiple-birth affidavit applies.

If a grandparent opened your daughter's account, take the parent's KYC papers and the girl's birth certificate to the branch and ask how to shift guardianship. Sources do not make clear how interest is treated on extra accounts that are closed, so ask the branch about that too.