The Sukanya Samriddhi Yojana (SSY) is a popular government-backed savings scheme for the girl child, offering high interest rates and tax benefits under Section 80C. As a parent or guardian, keeping track of your SSY account balance is essential to monitor growth and plan withdrawals efficiently.

This detailed guide explains multiple ways to check your Sukanya Samriddhi account balance—online via internet banking, SMS, and the India Post portal, as well as offline methods. We’ll also cover common issues and expert tips to ensure smooth tracking.

Methods to Check Sukanya Samriddhi Account Balance

1. Online Methods

A. Through India Post Website (For Post Office SSY Accounts)

If your SSY account is opened in a post office, follow these steps:

  1. Visit India Post Official Website.

  2. Go to “Savings Schemes” → “Sukanya Samriddhi Account”.

  3. Click on “Account Inquiry”.

  4. Enter your SSY account number and registered mobile number.

  5. An OTP will be sent for verification.

  6. After authentication, your account balance and transaction history will be displayed.

Note: If not registered, visit your home post office branch to link your mobile number.

B. Via Net Banking (For Bank SSY Accounts)

If your SSY account is in a bank (SBI, HDFC, ICICI, etc.), check balance via net banking:

  1. Log in to your bank’s net banking portal.

  2. Navigate to “Accounts” → “Small Savings Schemes”.

  3. Select “Sukanya Samriddhi Yojana”.

  4. Enter your SSY account number.

  5. Your current balance and interest details will be displayed.

Pro Tip: Some banks also allow balance checks via their mobile apps.

C. Using India Post Mobile App

  1. Download the “India Post Payments Bank (IPPB)” app from Google Play/App Store.

  2. Register with your Aadhaar-linked mobile number.

  3. Go to “Services” → “Sukanya Samriddhi Account”.

  4. Enter your account details to view balance.

2. Offline Methods

A. SMS Service (For Post Office SSY Accounts)

Send an SMS in this format:

BAL SSY<space>Account Number

  • to +91 8424026886 (India Post SMS service).

  • You’ll receive an SMS with your current balance.

B. Passbook Update (For Post Office & Bank SSY Accounts)

  • Visit your home post office or bank branch.

  • Submit a passbook update request.

  • The updated passbook will show your latest balance and interest credits.

C. Customer Care Helpline

  • India Post Helpline: Call 1800-425-2440 (provide account details for verification).

  • Bank Customer Care: Check your bank’s toll-free number (e.g., SBI: 1800-425-3800).

People Also Ask: Common SSY Balance Check Questions

Q1. How often is interest credited in SSY?

  • Interest is compounded annually and credited every financial year (March 31).

Q2. Can I check SSY balance without an account number?

  • No, you need your SSY account number for verification.

Q3. Why is my SSY balance not updating online?

  • Possible reasons:

    • Mobile number not linked to SSY account.

    • Technical delays in India Post/bank servers.

    • Annual interest not yet credited (check after March 31).

Q4. Is there a charge for checking SSY balance?

  • No, balance inquiries are free via SMS, net banking, and post office visits.

Expert Tips for Managing SSY Account

✔ Track Interest Regularly: Since SSY offers 7.6% interest (2024-25), monitor growth yearly.
✔ Link Mobile & Aadhaar: Ensures smooth online access.
✔ Avoid Premature Withdrawals: Only 50% allowed after girl turns 18 (for education/marriage).
✔ Update Nominee Details: Crucial for claim settlement in unforeseen circumstances.

Conclusion

Checking your Sukanya Samriddhi Account balance is simple if you follow the right steps—whether online (India Post portal, net banking) or offline (SMS, passbook). Keeping track ensures you maximize returns and plan withdrawals efficiently for your daughter’s future.

Facing issues? Visit your nearest post office or bank branch for assistance.