The Sukanya Samriddhi Yojana (SSY) is one of the most trusted savings schemes for girl children in India. Parents and guardians open SSY accounts to secure a girl child’s financial future. While the scheme offers high interest and tax benefits, knowing the account balance is equally important. If you’re wondering how to check Sukanya Samriddhi account balance by SMS, this article gives you a complete answer.
In today’s digital age, most people prefer quick and easy access to their financial information. Just like people use services such as the canara balance check number for fast updates, SMS banking for Sukanya Samriddhi also allows convenience.
Let’s dive into the complete step-by-step information on how to check Sukanya Samriddhi account balance by SMS using your registered mobile number.
What is the Sukanya Samriddhi Yojana Scheme?
Before we learn how to check Sukanya Samriddhi account balance by SMS, it’s important to understand what the scheme is all about.
Sukanya Samriddhi Yojana is a government-backed savings plan created especially for the benefit of a girl child. This account can be opened in any India Post Office or in a participating public/private sector bank like SBI, HDFC, ICICI, PNB, or Axis Bank.
The account matures in 21 years and offers an attractive interest rate, which is revised quarterly. You can deposit as little as ₹250 and up to ₹1.5 lakh annually. It is eligible for tax deduction under Section 80C.
Once opened, many parents and guardians want to check how much they have saved. That’s when SMS banking becomes a vital tool.
Is SMS Facility Available for SSY?
The traditional way to know your balance is by updating the passbook. However, many banks now provide SMS alerts and mini-statements, including balance checks for Sukanya Samriddhi.
If you have registered your mobile number with your bank or post office, you may be able to use the SMS banking facility to know your balance.
How to Register for SMS Alerts for SSY
Before you check how to check Sukanya Samriddhi account balance by SMS, make sure your mobile number is registered with your bank or post office. Here’s how:
Visit your bank or post office branch and ask the officer to link your mobile number to your Sukanya Samriddhi account. They may ask for an identity proof and an application form. Once your number is updated, you’ll begin receiving SMS alerts.
How to Check Sukanya Samriddhi Account Balance by SMS
Once your mobile number is registered, you can easily check your SSY balance via SMS. Most banks follow a similar format for balance inquiries.
To check your Sukanya Samriddhi account balance by SMS, send an SMS from your registered mobile to the respective SMS banking number provided by your bank.
Let’s look at the SMS details below:
| Bank/Post Office | SMS Format | Send To |
|---|---|---|
| Axis Bank | BAL | 56161600 |
| IPPB (Post Office) | BAL | 7738062873 |
| SBI | BAL | 9223766666 |
| ICICI Bank | IBAL | 9215676766 |
Make sure to type the SMS in capital letters and send it from the registered mobile number.
You’ll receive a response in seconds with the current balance, the last few transactions, and other relevant details. This is the easiest way for those looking for how to check Sukanya Samriddhi account balance by SMS.
Common Errors While Checking Balance by SMS
Sometimes users face issues when trying to check the balance via SMS. The most common problem is an unregistered mobile number. Make sure the number you are using is the one registered with your SSY account.
Other common issues include:
Typing the wrong SMS keyword
Sending SMS to the wrong number
Using an unregistered number
Correcting these problems will help you successfully check your Sukanya Samriddhi account balance via SMS.
Benefits of Using SMS to Check SSY Balance
Checking your Sukanya Samriddhi Yojana (SSY) balance through SMS offers a range of benefits. It is especially helpful for people in areas with limited access to the internet or smartphones.
No Internet Required
SMS banking works perfectly without needing any internet connection.
You can check your SSY balance even with a basic mobile phone anytime.
Quick and Instant Access
SMS gives instant updates within seconds.
Just send a simple message and receive your balance and transaction details instantly.
User-Friendly for All Age Groups
The SMS format is easy to use, even for senior citizens and those not comfortable with apps.
It doesn’t require any login or technical knowledge.
Available Anytime, Anywhere
You can check your SSY balance from home, office, or even while traveling.
This 24×7 access adds convenience and peace of mind.
No App Installation Needed
Unlike mobile banking apps, SMS banking does not require downloading or updating any app.
This saves both time and phone storage.
Low Cost or Free Service
Most banks offer SMS banking services either for free or at a minimal SMS charge.
This makes it cost-effective for every user.
Best for Rural and Remote Areas
In areas with poor network and limited data coverage, SMS remains the most reliable option.
It bridges the gap in financial access.
Secure and Direct Communication
Only your registered number can request and receive balance updates.
This makes SMS a safe way to stay updated about your SSY account.
Other Ways to Check Sukanya Samriddhi Balance
If SMS doesn’t work, don’t worry. You still have several ways to check your balance.
| Method | Details |
|---|---|
| Passbook Update | Visit branch/post office to get the passbook updated |
| Internet Banking | Log in to your bank’s net-banking portal |
| Mobile Banking | Use the official bank or IPPB mobile app |
You can also call the customer service number of your bank or post office and inquire about your SSY balance if you have your account details ready.
In the middle of using these services, many users also explore digital solutions like the icici balance check number, which allows similar convenience for ICICI savings accounts.
Precautions While Using SMS Banking
While SMS banking is secure, users must take precautions to protect their data. Never share your account number, OTP, or any banking credentials through SMS or to any unknown numbers.
If you change your mobile number, visit the bank branch and update it immediately. Also, check the official website of your bank for the correct SMS number and keyword format before sending the SMS.
Always save your bank’s SMS number in your contacts so you can easily access it when required.
Future of SMS in Digital Banking for SSY
With the rapid adoption of digital services, more banks and postal departments are upgrading their systems to provide real-time updates for Sukanya Samriddhi accounts.
SMS banking remains essential, especially in rural India where internet penetration is still limited. As awareness grows about how to check Sukanya Samriddhi account balance by SMS, more parents and guardians can stay informed about their savings.
This growing trend has encouraged both public and private sector banks to offer seamless SMS banking options. It is expected that more banks will adopt even more user-friendly systems for SSY account holders in the coming years.
Conclusion
Checking your SSY balance shouldn’t be a hassle. By understanding how to check Sukanya Samriddhi account balance by SMS, you make your financial planning easier and smarter.
Remember, all you need is a registered mobile number and the correct SMS format. This service saves time, is very efficient, and ensures that you always stay updated on your daughter’s financial security.
Whether you’re using Axis Bank, IPPB, SBI, or any other supported bank, checking your balance is now as simple as sending a text message.
In case of doubts or issues, you can always visit your nearest branch or call customer support. But for quick balance updates, SMS banking is your best bet.
