Sukanya Samriddhi account interest rate 2026: Has SSA rate changed for April–June quarter?

The Sukanya Samriddhi Account (SSA) interest rate remains unchanged for the April–June 2026 quarter, continuing to offer stable returns under the government-backed small savings scheme.

SSA offers an interest rate of 8.2% per annum, compounded annually. Interest is calculated monthly, based on the lowest balance between the 5th day and the end of the month, and is credited at the end of each financial year.

The Sukanya Samriddhi Yojana is a government-backed small savings scheme aimed at building a long-term financial corpus for a girl child. The account matures after 21 years, while contributions are required only for the first 15 years.

The minimum deposit required is Rs 250, and the maximum investment allowed in a financial year is Rs 1.5 lakh. Additional deposits can be made in multiples of Rs 50, with no limit on the number of deposits during the year.

Partial withdrawals of up to 50% of the balance (as of the end of the previous financial year) are allowed for education purposes after the girl attains 18 years of age or passes Class 10, whichever is earlier.

Withdrawals can be made in lump sum or instalments (once a year, up to 5 years), and are limited to actual educational expenses.

The account can be closed prematurely after 5 years only under specific conditions such as:
● Life-threatening illness of the account holder
● Death of the guardian operating the account
● Situations causing undue hardship to the account holder

If the account holder passes away, the account is closed immediately upon submission of the death certificate. The balance, along with interest accrued up to the date of death, is paid to the guardian.

For the period between the date of death and account closure, interest is paid at the Post Office savings account rate on the remaining balance.