SSY (Sukanya Samriddhi) Calculator
Last Updated: 8 April 2026
SSY Calculator
Plan your girl child's secure future with Govt-backed savings
Total annual: ₹60,000 (Max ₹1.5L)
Current Govt Rate: 8.2% (Q4 2024-25)
What is How SSY Maturity is Calculated??
Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme for parents of girl children. It offers one of the highest interest rates among small savings schemes and provides full tax benefits under Section 80C.
📊 Practical Example
"If you invest ₹5,000 every month (₹60,000 yearly) for 15 years at 8.2% interest, will not just stop at 15 years. The money stays for another 6 years earning compound interest. Eventually, you could get a maturity amount of approximately ₹27.7 Lakhs."
⚠️ Common Mistake
Missing the 15-year deposit rule. Many think they have to pay for 21 years. You only pay for the first 15 years, and the account matures in 21 years.
How it Works & Benefits
21-Year Projection
See your total maturity value including the interest-only period from year 16 to 21.
80C Tax Savings
SSY is EEE (Exempt-Exempt-Exempt), meaning the investment, interest, and maturity are all tax-free.
Interest Rate History
Allows you to adjust interest rates as per quarterly revisions by the Govt.
Frequently Asked Questions
Common queries answered for you
The minimum investment in a Sukanya Samriddhi account is ₹250 per year, and the maximum limit is ₹1.5 Lakh per financial year (under Section 80C).
Partial withdrawal (up to 50% of the balance) is allowed for the higher education of the girl child once she reaches 18 years or finishes 10th grade. Full closure happens after 21 years or at marriage after 18.
You need to make deposits for 15 years from the date of account opening. The account continues to earn interest until it matures at 21 years.