Sukanya Samriddhi Yojana 2026: How to create a large fund for your daughter through small savings

Secure your daughter’s future with the Sukanya Samriddhi Yojana in 2026, offering 8.2% interest and tax-free returns. Learn about eligibility, rules, benefits, and the investment process.

Key Takeaways

• 8.2% interest rate
• Completely tax-free returns
• Build a substantial fund in 21 years
• Partial withdrawal facility for education and marriage
• Government-backed secure scheme

Sukanya Samriddhi Yojana 2026 Becomes the First Choice for Millions of Families

For parents across the country, the Sukanya Samriddhi Yojana 2026 is no longer just a savings scheme, but a strong foundation for their daughters’ bright future. Launched on January 22, 2015, under the “Beti Bachao, Beti Padhao” (Save the Daughter, Educate the Daughter) campaign, this scheme has now completed 11 years and has earned the trust of millions of families.

Currently, with an attractive interest rate of 8.2% and triple tax exemption (EEE category), this scheme is considered the safest and most beneficial option for middle-class families. Even small investments can accumulate into a substantial fund over the long term.

Sukanya Samriddhi Yojana 2026: An 11-Year Historic Journey

From cities to villages, this scheme has transformed people’s mindset. Now, parents start planning for their daughter’s education and future as soon as she is born.

By January 2026, more than 4.53 crore accounts had been opened across the country, and the total deposits had crossed ₹3.33 lakh crore. These figures clearly show that Indian families have become far more aware of their daughters’ financial security than ever before.

This scheme not only instills a habit of saving but is also a significant step towards empowering daughters and making them self-reliant.

Sukanya Samriddhi Yojana 2026: Eligibility and Key Rules

There are some important conditions for availing the benefits of this scheme:

• The daughter’s age must be between birth and 10 years.
• Only one account is allowed per daughter.
• A maximum of two daughters per family are eligible.
• Special exemptions are available in the case of twins or triplets.

The account is opened by the parents or legal guardian. The daughter can operate the account herself after turning 18, enabling her to make her own financial decisions.

How does investing in the Sukanya Samriddhi Yojana make your money grow by 2026?

Under this scheme, you can deposit a minimum of ₹250 and a maximum of ₹1.5 lakh annually. Investments are required for a total of 15 years.

The government is currently offering an annual compound interest rate of 8.2%, which is significantly better than options like bank FDs and PPF. Due to the power of compounding, even small savings can grow into a substantial amount over 21 years.

This is why this scheme provides strong financial support for your daughter’s higher education or future needs.

When and how will the money be received?

The Sukanya Samriddhi account matures in 21 years. This means the entire amount can be withdrawn after 21 years.

However, 50% of the amount can be withdrawn for the daughter’s education after she turns 18 or completes her 10th grade.

If the daughter’s marriage is arranged after she turns 18, the account can be closed prematurely and the entire amount can be withdrawn.

From a tax perspective, this scheme falls under the EEE category – investment, interest, and maturity are all completely tax-free.

Sukanya Samriddhi Yojana Account Opening: Required Documents

You can open an account at your nearest post office or authorized bank. The following documents are required:

• Daughter’s birth certificate
• Guardian’s Aadhaar card
• PAN card
• Proof of residence
• Passport-sized photograph
• Form 60 (if you don’t have a PAN card)

Once the form is submitted and verified, the account will be activated, marking the beginning of your daughter’s secure future.

Conclusion

If you want to build a secure, long-term fund for your daughter without taking any risks, the Sukanya Samriddhi Yojana 2026 is an excellent option. Small savings, a big future – that’s the true strength of this scheme.