Sukanya Samriddhi Account
Calculate Sukanya Samriddhi Yojana (SSY) returns for your daughter
SSY Details
Enter details and click Calculate
Maturity Amount (at age 21)
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Total Deposited (14 yrs)
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Total Interest
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| Age | Yearly Deposit | Interest | Balance |
|---|
How to Use
- Enter your Annual Deposit amount (₹250 to ₹1.5 lakh per year).
- Enter your daughter's current age — the calculator determines the investment horizon.
- Click Calculate — see year-by-year growth and total maturity amount at age 21.
What is Sukanya Samriddhi Yojana (SSY)?
Sukanya Samriddhi Yojana is a government savings scheme for the girl child, launched under the "Beti Bachao Beti Padhao" initiative. It offers one of the highest interest rates among small savings schemes, combined with full EEE tax exemption, making it a powerful tool for securing a daughter's education and marriage expenses.
Key Terms (2025)
| Feature | Details |
|---|---|
| Interest Rate | 8.2% p.a. (compounded annually, revised quarterly) |
| Minimum Deposit | ₹250 per year |
| Maximum Deposit | ₹1,50,000 per year |
| Deposit Period | 15 years from account opening |
| Maturity | Age 21 of the girl |
| Partial Withdrawal | 50% allowed at age 18 for education |
| Tax Benefit | EEE — fully exempt (80C + tax-free interest + tax-free maturity) |
Power of SSY
If you deposit ₹1.5 lakh/year from birth for 15 years (total investment ₹22.5 lakh), the maturity amount at age 21 is approximately ₹71 lakh — more than 3× the invested amount, all tax-free. This can comfortably fund higher education and a dignified wedding.