Sukanya Samriddhi Account for NRIs

This article provides detail on Sukanya Samriddhi account for NRI. Just to give the background the Girl child Prosperity was never so talked about before Sukanya Samriddhi Yojana was launched.  With this scheme, parents of girl child can have some relief for their future, at least in terms of financial spending.  The scheme offers a wonderful rate of interest along with tax saving and other unmatchable benefits. Lets check the details on whehter an NRI can open sukanya samriddhi account or not.

Sukanya Samriddhi Account Yojana NRI

Sukanya Samriddhi Account Yojana NRIs

The scheme was officially launched at the beginning of the year and since then a lot of parents have been enquiring about the scheme online.  Some of those parents are NRIs, who too want to secure the future of their girl child.  The details of the scheme are not really very clear in the official gazette; however, we can say that the scheme is not for NRIs.g

Non Resident Indians are not eligible for opening a Sukanya Samriddhi account for their daughters.  This is the status of the scheme as of now.  We are not sure if government permits NRIs too to get an account for their girl child in future.

There could be possibilities wherein sukanya samriddhi account for NRI can surely have SSA.  For example, the scheme permits every Indian to open SSA for their girl child.  A common Indian opens an account for their daughter and then moves abroad.  In that situation, the parents would continue to operate the account and reap the benefits of the scheme simply because they were resident Indian at the time of opening of Sukanya Samriddhi Account. This is bit complex but will happen and will get clear on this scheme gains maturity.

Those who have NRI status as of now can definitely not have an SSA account and if they want to look for a small saving scheme in India, that is fruitful enough too, can opt for schemes like PPF that offers an equally appreciable rate of interest.

As for common Indian from lower and middle income group, this scheme would certainly be helpful if they have daughters or are legal guardians of a girl child.  They can share their burden of huge amount of money that would be spent during their marriage and higher education by starting the savings effective immediately.

We will upate further information regarding sukanya samriddhi account yojana for NRI. Request our readers to visit the page after few days to check regarding SSAY NRI account.

About Editor


  1. ASHOK Kumar Bazaz

    when SSY Account was oened my grand daughter was residing in India.. Thereafter she went abroad (canada) with parents and now she is NRI.From day of opening account, the amount therein has been deposited by me from my own bank account out of love and affection ss gift.i am an Indian and residing in Jalandhar. Should i deposit the amount as hereto before?

    Adv. Ashok Kumar Bazaz

  2. I am the mother of two children .one daughte[6 years old] and one son.we are residing in India and my husband is still an NRI .i want to know is my daughter is eligible for SSY

  3. I am the mother of two children .one daughte[6 years old] and one son.we are residing in India and my husband is still an NRI .i want to know is my daughter is eligible for SSY


      what is the status of your girl child and you? is she and you Indian? If yes then you apply for her.

  4. Myself and my wife are Indian nationals working in abroad.
    Is it possible to avail the SSY for my daughter ?

  5. I am planning to open sukanya samriddhi account t for my 7 year old.we are Indian citizens residing in USA for past 4 years.We have plans to move back to India only.Can I open account now or should I wait till we start residing in India?


      you can open SSY account only when
      1) You live in India ( Indian Resident)
      2) Should hold Indian Citizenship (All Family Members)

  6. I am residing in Dubai, UAE and my daughter was born here and has Indian Passport since UAE do not give citizenship but has only work or residence visas. Please let me know if my daughter is eligible to open Sukanya Samriddi Account?

  7. Hi,
    We are Indian citizens/passport holders and my daughter holds a SSA. But soon we all will becoe Canadian citizens. Do we continue the SSA or close it and take money back? Thanks

  8. I have a daughter 7 years now she is born in India,but we stay in kuwait, on dependent visa with my husband and we r holding Indian passports and as Indian citizens only , so can I apply for ssy for my daughter now

  9. Sir, Thank you for your article. I am NRI living in Kuwait. My daughter is born in Kuwait and having Birth Certificate from Indian Embassy. I will be moving back to India permanently by year end. When can I open SSY for her thereafter settling in India?


      she is eligible if she follows all these rules
      1) Less than 10 years (girls age)
      2) Both Parents and Girl child should be indian and stay in india.

  10. My daughter holds a SSA but soon I( her father) would be going abroad to work on ship.Do I continue the SSA or close the account.I have submitted my details along with the form

  11. I opened SSA for my daughter in july18 and I would be leaving india for job on ship in sept 18 on 9 to 11 months contract and will come back to India for a month and go back again.Will I have to close the account or can continue with the investment or is it possible to change the name of the guardian


      If you are alive then you legally cannot change the name of gaurdian in Sukanya account. Now theoretically you should close this account as soon as you become NRI but practically govt cannot track that. SO in a longer run if you think that you will be in India then you should continue this account. If you think that there are high chances of you staying back then you should close it.

  12. I had opened SSA in Punjab National Bank in Dehradun but the bank is refusing to issue a passbook.As the investment is for long duration .Please advise what should i do.

  13. Hi .. we have paid for this scheme for our daughter who is born in the USA in the year 2015 .. the proof given was her birth certificate.. we have paid 3 lakhs till now .. recently saw this article which says NRI s are not allowed for this scheme . We have enquired in the Bangalore post office , they were like my daughter is not eligible but they have asked us to go to initial paid post office in Kerala .. when we asked in Kerala ( they said they didn’t know about this n they didn’t find out from few months ) .then we enquired in my mother s hometown Piler ( chittoor dist, AP) there were like the interest for these years have been seen in the account and they are like , we cannot withdraw the acc , they were like we have to be paying …
    thank u

    • this is the irony in Indian banking. Most of the stuff does not have the proper information. Since you were not allowed to open in first place so they do not have the option to close your account now. Please depositing 1000 rs each year as of now.

  14. This was actually in post office !! When NRI girl was not allowed to pay for scheme , y did they allow me to pay on first place ??
    And i read that if there s a case like mine, we can close the account n get bck the money without interest

  15. Dear Sir/Madam,


    I Have opened an SSA account for my daughter who is born in India on 08/02/2018, I am an Indian Citizen (NRI) working abroad, my wife and my daughter are in India and I opened the account for my daughter myself and i am the nominee for her account, I hope there is no problem in continuing the account for her, awaiting for your positive reply.



  16. That’s wat m talking about sir … when NRIs are allowed to open the account.. Back in 2015 I opened this account on my daughter s name ( born in USA ) . They even took her birth certificate as proof and they were talking money ( 3 lakhs ) as if now was paid , till one day I noticed online that NRI s are not allowed . Now they are saying that yea NRI s are not allowed and some post offices are like it’s allowed .. on the whole it’s like they are not ready to give bck the money so far paid … but online it’s clearly mentioned that if in such circumstances if the account is opened by NRI s the amount can be withdrawn without no interest … plz we need some action taken against this ..

    • we are not at all associated with any government organization. I think you will have to make complaint at the place where you opened this account.

    • Hi Vineetha,
      I am also having a same situation as yours. Me and my wife are working in Singapore and our daughter was born in Singapore as well. When we went to India for vacation, we opened the Sukanya account in my daughter’s name in local Post office and I am paying the amount monthly, through my mom who resides in India. They accepted the proof of my daughter’s Singapore Birth Certificate and they did not tell anything like NRI cannot open this account.
      Now I am worried if I can continue paying the amount to this account or not. If later they do not give back the money or if I don’t get any interest, then it will be a huge loss. If we can discuss more on this, you can reach out to me via this number

  17. My daughter was born in Dubai when we went there for a short period. Now we are in india, my daughter is studying here. We dont fit into big income groups. Can i apply for SSY for my daughter. Please advise

  18. Sir,
    My daughter born in INdia in 2014, when I started depositing in SSA till now. I moved to UAE for job with family. I may come back after few years. Post office people are not ready to close the account and they do not have any guidelines in this respect and they dont know if we get the interest with guarantee.
    Kindly guide us!

  19. Hello,
    Is their any further update on NRI’s child who are Indian citizen by birth, can open SSA?
    Baby girl born in Dubai, Mother, Father and baby Girl all have Indian Passport and citizenship.
    Can we open SSA for her?

  20. Early 2016, I opened this account on my daughter’s name who born in USA. She has OCI card however she is staying with us in India since 2010. They even took her birth certificate as proof and until now i have deposited more than 3 lakh. Today it came to my notice that foreign citizens are not eligible for this scheme. Please clarify if this account is eligible for my daughter? otherwise please advise how to go forward.

  21. Now I’m in qatar, i have 1 daughter, all are staying in india only,
    I’m applicable which account ?
    And guide me how can i apply this sceme..

  22. I have started a SSA aacount for my daughter in 2013. Now we(parents) wit our daughter may move to gulf countries for job. Can we continue the SSA Account? if not how do we close it? and when can we close it? what happened to the money we have already submitted?

  23. Dear Sir,

    we opened account for our girl baby on September 2018 when our family is residing in india and currently my husband got job in UAE and we want to stay there for maximum 10 to 12 years , myself and my baby also moving to uae in December 2019, we are investing the maximum amount in ssy till now … kindly explain us the provisions of ssy now, when i am approaching the bank they are saying that they are not having proper info about this case and postoffice people saying that at the time of maturity again if the girl child is indian resident then no issue.. little confusion exist as of now for us … can you pls guid us and provide your conclusion on this.. thanks inadvance