Procedure to be followed to close the SSA account opened in contravention to the GSPGR 2018 & NSS 2019

If an SSA (Sukanya Samriddhi Account) is opened in contravention of the Government Savings Promotion General Rules 2018 and National Savings Schemes 2019, the account must be closed immediately, and no further transactions should be allowed. No interest is payable on such accounts, and if any interest has already been credited, it must be adjusted at the time of closure.

Closure Procedure:

• A written notice must be sent via Registered Post to the depositor, requesting closure of the account within 30 days.
• The depositor is required to withdraw the amount personally or through an authorized agent.
• If the depositor does not close the account within 30 days, the Head Post Office (HO) may proceed with the closure and remit the balance through a crossed cheque, after deducting any interest credited earlier.
• Any error entry regarding the opening of the account must be recorded by the post office, and a report should be sent to the Divisional Head.
• If the account was opened at a Sub Post Office (SO), the SO should forward the request to the HO for necessary action.

Thus, SSA accounts opened incorrectly should generally be closed at the Head Post Office (HO) under whose jurisdiction the Sub Post Office (SO) falls.