birth certificate for sukanya samriddhi account

Sukanya Samriddhi Yojana: Alternative of Birth Certificate of Girl Child (Introduction & why it is important)

Updated: 13 January, 2020

You can secure your daughter’s future by saving money in the Sukanya Samriddhi Yojana account. In Sukanya Samriddhi Yojana, you can open an account at any authorized bank or post office in the name of your girl child and start depositing as small as Rs. 250.

Why Sukanya Samriddhi Yojana is important?

The beauty of this scheme is that you cannot withdraw money in between until your girl turns 18 (partial withdrawal of 50%). This ensures that you will save some money for your daughter’s education or marriage.

The account matures at 21 years from the date of account opening.

Another benefit is that you have to deposit money for 14 years only, but you get an interest on the saved money till the maturity of the account.

For example,

Ashok who is 35 years old and working in an MNC. She opens Sukanya Samriddhi Yojana Account for 2 years old her daughter ‘Lavanya’. He decides to invest 1,00,000 every year in SSY account of her daughter. Now he will deposit 14 lakh rupees in the next 14 years. If we assume an average rate of interest at 8.1%, he will receive the maturity amount of more than Rs. 46 lakh (approx.) after completing 21 years.

Important points of Sukanya Samriddhi Yojana 

  • You can open account of your biological as well as a legal daughter.
  • You can open an account from the birth of your daughter till she turns 10.
  • You get tax exemption u/s 80 c of IT Act.
  • You get better interest rates than savings or FD. (Interest rates are flexible & government review quarterly.)
  • You can withdraw money on two occasions – when a girl turns 18 and at maturity.
  • If you miss any deposit within a financial year, you get a penalty of Rs. 50/year.
  • If you don’t pay the penalty, the account will get an interest rate on savings account in the post office that is 4%.
  • You can withdraw money before 18 years (but you have to wait for 5 years to complete) in case of any critical urgency like a life-threatening disease to girl or parent.
  • You can also stop the account in between but you get the meager interest of 4% (as given on post office saving account).
  • You can avail of this benefit for a maximum of 2 girl children.

Sukanya Samriddhi Yojana gives you a long term investment option where you get better returns (as compared to other instruments) without risking your money. Now because the term is long, you can save a good amount for your daughter’s education or marriage which will give you a financial cushion when you require money for big events in daughter’s life.

66 thoughts on “Sukanya Samriddhi Yojana: Alternative of Birth Certificate of Girl Child (Introduction & why it is important)”

  1. my daughters age is 10 years 7 months can i open an account
    is there any alternative pls help me sir it helps for her future because i cannot offer her money

  2. In My daughter DOB certificate surname is not mention, will it create any issue at the time of withdrawal…

  3. Sir,
    my daughters birth age is 03/12/2012 open in account Sukanya Samridhi Yojna but matriculation date of birth change pls. details knowledge.

  4. My child age 11years I was open sukanya samriddhi account 3 years back just now bank asked my daughters pancard this mandatory

  5. Hi sir
    My daughter’s birth certificate has been issued from dubai, in 2017.
    Can I open sukanya yojana for my daughter?

    1. My grand daughter born in USA now she is 3 year old and migrated to India with her parents. Both parents are having as that card ,whether above account can be opened in her name.birth certificate was issued by USA hospital and she is having POI certificate also.pl reply

  6. Varun Khandelwal

    Hi,

    I visited today Bank Of Baroda for open the sukanya-samriddhi-account but they said require Biomatric thumb of daughter or Aadhar card even i have Birth Certificate.

    Aadhar card team said we cannot create the aadhar card of your 11month old daughter and Biomatric also will not work.

    Then how to open the account,

    Please help.

  7. Sir,in my neice DOB CERTIFICATE mother name is incorrect can be opened SSA with this?? Please reply

    1. Can l change the name of my daughter in the account of sukanya samriddhi yojana ? Her name has totally changed in her birth certificate .

      1. क्या मैं सुकन्या समृद्धि योजना के खाते में अपनी बेटी का नाम बदल सकता हूं? उसके जन्म प्रमाण पत्र में उसका नाम पूरी तरह से बदल गया है।

    2. My grand daughter born in USA now she is 3 year old and migrated to India with her parents. Both parents are having as that card ,whether above account can be opened in her name.birth certificate was issued by USA hospital and she is having POI certificate also.pl reply

  8. I have two questions. Can I take this plan for my niece as her parents cannot afford to do it. And I want to get tax exemption for this. Secondly Iam in bangalore, so my Aadhar and identity is of bangalore. However my niece are in kerala and their DOB cert is of kerala

  9. My home post office concern officials says they have no infomation regarding namw change in sukanya samriddhi account. What to do

    1. Vipin Bhadauria

      That certificate you have is probably issued by the Hospital during the delivery of your baby, and obviously Name may be decided later.
      So what you do is that visit ur city’s Nagarpalika office (same city where that hospital located) because all birth related documents may have been sent to the Nagar palika office of that city. You visit that office present that Birth certificate which u have, and they will issue the birth certificate here you will be ask your child name, and you will get the certificate with Name.
      Hope it will be helpful,

  10. sir…my daughter is 3 months old and its having birth certificate issue by hospital but the name is not there.
    is this certificate eligible for SSA.

  11. Indian Bank is insisting that the passport photograph of the child is also required for opening of the account. I don?t think it?s practical to click passport photos of new born or for that matter children of age less than 6 months. Bank gives the excuse that it is for confirming the sex of the child which again is not a valid argument because its difficult to make out the sex of a new born by looking at the photo. Further, the sex of the child is always mentioned in the birth certificate of the child. Also the photo of the child will not have any resemblance to her photo after a few months or years. Banks are introducing new restrictions to make it difficult for common man to make use of govt savings schemes.

  12. Dear sir,
    My daughter was born in village and d.o.b. certificate isue by gram panchayat prdhan, when i went to post office for open a acc ssa, post master reject birth certificate. School is accepted this doc for admission of child. But post office is rejected.advice me what i do for open ssa acc

    1. Nidhei Choudhry

      If the child not born in a hospital and you did not have her birth registered , then you will have to wait for her to enter a school. After the school admission a certificate from the school headmaster will be considered a valid document. nidhei

  13. Dear sir,
    My daughter was born in village and d.o.b. certificate isue by gram panchayat prdhan, when i went to post office for open a acc ssa, post master reject birth certificate. School is accepted this doc for admission of child. But post office is rejected.advice me what i do for this.

    Regards.
    Shrawan kr
    Vijay nagar indore.

  14. Hello sir

    My 2 year old daughter was born in Oman.. But we have got Indian birth certificate through the Indian embassy there.. I’m here in India for the past one year.. I’m planning to settle in India with my daughter… Is it possible to open SSA in her name with me as guardian?? Kindly reply..

    Thanks in advance

  15. My daughter is having an Indian Passport issued from UAE embassy (it is still valid for 3 years) and now we live in india. Can I use the passport in place of birth certificate?

  16. Abhilasha manjunath

    hello sir ,
    My daughter is 7 months old. I have opened SSYA in post office when she was 3 months in the name of “Sportsy” now i am forced to change child name. is it possible to change of child name now? Do i required affidavit to change name? pleas reply…

  17. BIRTH DATE MENTIONED IN ADHARCARD IS WRITTEN WITH HELP OF BIRTH CERTIFICATE / LETTER ISSUED BY VILLAGE SARPANCH . THAN FOR KYC TO OPEN SS A BIRTH CERTIFICATE / LETTER ISSUED BY VILLAGE SARPANCH IS VALID OR NOT ?

    1. Yes, you can open an account for your daughter as your daughter DOB falls under the grace period of one year but last date of opening account in your case is 31st December, 2015. So hurry Up

  18. Dear Sanyam,

    Can u please clarrify that if a child is having 1 ppf account in SBI then is she eligible to open Sukanya account ?
    pls.reply ASAP.

    Thanks

  19. My daughter is 2 month old and i dont have birth certificate right now with me but i hv already applied to get birth certificate… Can i open a/c with the name which will be similar to birth certificate. Or i have hospital birth proof document but name has not there..

  20. For example am open SSA A/C in one place can I operate from other places.& Tell me post office or bank is better to open this A/C.

  21. Hi,

    We have not included surname for my daughter. We are planning to add surname, but we have already opened sukanya account in postoffice.

    Can we closed the old account and open new account with new name or what is the procedure, kindly guide me

  22. 1.can grand parents staying in india of US born girl child can open this account?
    2.is US birthcertificate valid to open account?

  23. I had already opened account in post office. I have 6 month old baby. I had submitted birth certificate in that baby name not mentioned so simply I have given some name to open account. In future if we put another name to baby any problem will arise to get maturity amount

    1. Yes,you can open PPF for your daughter but do remember that limit of deduction u/s 80C is limited to Rs.1.50 lakhs which includes both PPF and SSA.

  24. Could u please let us know that which banks branches are currently accepting Sukanya Samriddhi Account. And what will be the last date for opening the account.

  25. Hello Mr.Sanyam,

    Can we deposit money in SSA on our flexible terms? i:e can we deposit Rs.1000/- in the first month and Rs.2000/- in the second month and so on. If the case is this then what would be the maturity amount if i start depositing the money from 1.4.2015. Is it compulsary to open the account before 31st march ?2015 ?

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