Perception and Satisfaction of Sukanya Samridhi Yojana (SSY) Account Holders:  An Empirical Study of Select Districts in Telangana

Sudarshanam Gopala

doi:10.36948/ijfmr.2026.v08i02.73000

Perception and Satisfaction of Sukanya Samridhi Yojana (SSY) Account Holders: An Empirical Study of Select Districts in Telangana

Author(s)	Dr. Sudarshanam Gopala
Country	India
Abstract	The role of education in empowering the women is inevitable. The educated girls can be enlightened girls on many facets. Hence periodically and time and again possessive governments come up with good number of programs, policies, schemes and illustrative initiatives for girls’ education and their empowerment. The Sukanya Samridhi Yojana (SSY) is one of such schemes, embarked with the aim of bringing a positive, qualitative and constructive change in the society through girl education and accreditation. Indeed increasing the degree of autonomy and self determination at gross root level by infusing concrete awareness and usage of numerous rural development schemes is the true empowerment, for that government at different levels and its organized mechanism have been putting indefatigable efforts accelerate the progress and development women in India. Sukanya Samridhi Yojana (SSY) is one of the novel and most popular flagship schemes of government of India for the encouragement and development of girl children. This scheme was launched by our Honourable Prime Minister Sri. Narendra Modi on January 22, 2015 under ‘Beti Bachhavo and Beti Padaavo(BBBP)’ Program with the noble vision to provide opportunity to girl children for their higher education and to reduce the burden of marriage expenses on their parents. As on 31st December, 2025, 4.53 crore accounts were opened against 4,20,420 accounts in the inception year 2015. Similarly 3.33 lakh crores deposits were received as on 31st December, 2025 against 123 crores in the year 2015. The present Research indicates that the Sukanya Samriddhi Yojana (SSY) is perceived by 52% of users primarily as a social security tool for child marriage and higher education, rather than a wealth-creation vehicle, with a 25% awareness gap regarding features like tax benefits. Although 83% of respondents reported a positive impact on empowerment and satisfaction levels are high at 78%, significant administrative issues remain, particularly with transfer facilities, cited by 49% of respondents. Research indicates that post offices facilitate the majority of these accounts (over 83%), particularly in rural areas, effectively driving financial literacy among previously unbanked populations. Nearly half of all respondents (49%) identified Transfer Facilities as their primary grievance. After the detailed review of good number of research works being undertaken by various scholars and academicians across the nations, a few works at offshore level and from the insights of the present study, it is found that the novel scheme is gaining momentous recognition and applause. However there are certain research gaps on which more work has to be done like awareness insights over the scheme, motivational factors for opening accounts, impact of demographical implications and strengthening and improvising of policy framework further. Extending digital transfer facility, grassroots-level workshops for bridging awareness gap, automated reminders for payment and grace period for missed payments are a few other initiatives to boost the scheme look forward with flying colors, the researcher opined.
Keywords	SSY, Satisfaction Levels, Perception, Motivational Factors and Empowerment
Field	Business Administration
Published In	Volume 8, Issue 2, March-April 2026
Published On	2026-03-30
DOI	https://doi.org/10.36948/ijfmr.2026.v08i02.73000

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Perception and Satisfaction of Sukanya Samridhi Yojana (SSY) Account Holders: An Empirical Study of Select Districts in Telangana

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