How to Check Sukanya Samriddhi Account Balance: A Step-by-Step Guide

Sukanya Samriddhi Yojana is one of the government-backed schemes in India that is very popular for providing a financial security shield for girl children. A parent or guardian should keep updating themselves regarding his/her account balance so that the passage of his/her growing investment keeps growing according to expectations. This shall teach you how to check the balance of your Sukanya Samriddhi account via different modes so that you remain updated about the financial security of your child.

Knowing the Sukanya Samriddhi Yojana

But before doing a roundup of the different methods to check balance, let us take one small glance at the Sukanya Samriddhi Yojana itself:

• Announced during the campaign “Beti Bachao, Beti Padhao” in 2015.
• Comes up with high interest rates and exemption from income tax.
• It could be opened for girls who are 10 years old or below.
• Their maturity period extends to 21 years from the date of opening the account.
• Their higher education expenses can be provided by way of partial withdrawal once the girl reaches the age of 18 years.

How to check the balance of your Sukanya Samriddhi account.

1. By visiting the Post Office or Bank

You can get information about your SSY account balance by personally going to a Post Office or Bank where you have opened the Account.

Step 1: Carry your SSY passbook and valid ID proof

Step 2: Go to the concerned counter

4. Ask for updating the balance
5. He will update your passbook with a stamp on it with the latest balance.

Pros:

• Any query can be solved face-to-face.
• – In Passbook, the balance is updated on the spot

Cons:

• – It is time-consuming
• – It is available only during working hours of the post office/delete or bank

2. Using Online Banking Services

If you have opened your Sukanya Samriddhi account in a bank where you have the facility of net banking, then you can check your balance online.

Steps:

1. Login to your net banking account
2. Click on SSY account section

3. View current balance and transaction history

Pros:

• – Available and accessible 24*7
• – No physically going to the bank

Cons:

• – All banks do not provide this facility in the case of SSY accounts
• – This facility takes the aid of the internet and requires familiarity with internet banking.

3. Mobile Banking Apps

The majority of banks have mobile applications through which you can track your SSY account balance even when on the move.

Steps:

1. Download and install your bank’s official mobile application
2. Login with your credentials
3. Choose the option to open an SSY account
4. Know balance and the latest transactions

Pros –

• Easy to use, available everywhere and always
• – Extra features like balance alerts are usually provided

Cons –

• Requires a smart-phone and an available internet connection
• – Not offered by all banks

4. SMS Banking

Only a few banks provide the service of SMS banking, through which you will be able to get the balance in your account from your Sukanya Samriddhi account.

Steps:

1. Firstly, you need to register for SMS banking with your respective bank.
2. The format the SMS, as desired by your bank and send it to their given number.
3. You will receive an SMS that contains your balance-related information.

Pros-

• Does not require internet access on your phone
• Faster and more convenient

Cons-

• SMS charges applicable
• Can’t scoop up as much information as some other methods

5. Customer Care Helpline

You can contact the customer care helpline of your bank or post office to know your SSY account balance.

Steps-

You will dial the number of customer care

2. Follow IVR prompts for an agent
3. State all the necessarily required account details and authenticate
4. You can ask for your account balance

Pros:

• It is useful in case of people who prefer verbal communication
• Even available during non-working hours in some banks

Cons:

• The wait time might be too long
• Giving out account information over the phone is risky regarding security

6. India Post Website for Post Office Accounts

If your account is with the India Post, you can check the SSY balance on their official website.

Steps:

1. Go to the India Post Website www.indiapost.gov.in
2. Click on “Financial Services”
3. Then click on “Sukanya Samriddhi Account”
4. Now your Account Number will be asked along with other details which are required
5. The Account Balance of your SSY will appear

Pros: Official and reliable source for post office accounts, accessible from anywhere with internet.

Cons: It may need initial registration, Not applicable for bank-based SSY accounts

7. Passbook Update Machines

Many banks and post offices have installed self-service passbook update machines

Steps:

1. Locate passbook update machine in your bank or post office
2. Place your SSY passbook
3. Follow on-screen instructions.
4. Take out your passbook with updated balance

Pros-

• Fast and self-service option
• Available even at busy counter periods

Cons-

• It would not be available at all branches
• Might need help if you are new to the machine.

It is, therefore, very important to check the balance in the Sukanya Samriddhi account so that you remain updated with respect to your investment for your child’s future. You can check the same through multiple methods, from the traditional visiting method to digital options—whichever may be more convenient. Regular checks will make sure your contributions are credited properly and the interest also gets added as presumed.

Keep the details of the accounts and passbooks safe, and set periodic reminders, if needed, for checking balances. By being well-informed about your Sukanya Samriddhi account, you are taking an active role in securing your daughter’s financial future and empowering her dreams.