Contribution in Sukannya Samriddhi yojna of my granddaughter

1) She must be less than 10 years of age.

2) Biologycal Parents ( Father and Mother)  or legal guardians appointed by the Court Can only open the Sukanya Samriddhi yojana for girl child. 

Take more Opinion on this. 

I think you Can pay to her parents, they will Open account , because of one the condition in the Yogana .

if the amount is more then gift it to your son , which is exempt under Income tax Act 1961 , he will deposit in yojana . 

Sill take more opinion on this. 

Sir, can I contribute as a gift to my granddaughter?

Yes , You Can Gift money to your granddaughter if amount is more , however, it's always better to prepare or must prepare" Gift deed" from ,"Notary Public" ( Notary Advocate) , as a  documentary evidence. 

Gift from Grandfather to Granddaughter is also exempt under section 56(2) of the income tax Act 1961. 

Contact  near by CA he will guide you. 

Grandparent contributing to an SSY account:

• An SSY account can be opened only by a natural or legal guardian (parent or court-appointed guardian). Deposits are made by the guardian, but the money can come from anyone, so a grandparent can give funds to the guardian who deposits.

• The 80C deduction (old regime) is available only to the depositor who is the guardian (the parent), not the grandparent.

Yes, you can contribute to your granddaughter’s Sukanya Samriddhi Account (SSY), provided it is a valid account opened for her by her parent or legal guardian. Contributions may be made by others, including grandparents; the annual deposit limit is ₹1.5 lakh per account, and the tax deduction under Section 80C, if available, is generally claimed by the person who makes the contribution, subject to the overall limit and tax-regime rules.

Keep the deposit receipt and ensure contributions stay within the account limit. SSY record-keeping should capture who funded the account and the amount deposited, alongside the account’s annual contribution limit. Manual tracking across family contributions can be difficult; automation reduces repetitive work while professional judgment remains in control. At Jir AI, our 2,000+ AI agents and 650+ integrations streamline GST, ITR, TDS, TCS and other compliance workflows, helping reduce manual workload by up to 70%. For a smoother compliance workflow, connect with us on WhatsApp: https://wa.me/message/3HVOZ7HIY4ESC1