| Abstract | ABSTRACT:
The Sukanya Samriddhi Yojana (SSY), launched by the Government of India, is a flagship savings
scheme aimed at securing the financial future of the girl child. Despite the scheme’s growing popularity,
little empirical research exists to evaluate the awareness, satisfaction, and challenges experienced by its
account holders. This study aims to examine the level of awareness among users, assess their
satisfaction with SSA facilities, and identify operational problems faced. Reliability analysis using
Cronbach’s Alpha confirmed strong internal consistency across awareness (α = 0.893), satisfaction (α =
0.900), and challenges (α = 0.823). Pearson’s correlation analysis showed a statistically significant
negative relationship between awareness and satisfaction (r = -0.138, p = 0.019), while no significant
correlation was found between awareness and challenges or between satisfaction and challenges. The
findings highlight the need for balanced information dissemination and operational improvements to
enhance user satisfaction and effectiveness of the scheme.
Keywords:Sukanya Samriddhi Yojana Scheme, Awareness, Satisfaction and Problems.
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