Sukanya Samriddhi Yojana Calculator – Calculate SSY Maturity Amount

Sukanya Samriddhi Yojana Calculator

Calculate your daughter's SSY maturity amount, interest earned, and yearly growth — based on official Government of India rules.

8.2%
Interest Rate (p.a.)
₹250
Min. Yearly Deposit
₹1.5L
Max. Yearly Deposit
EEE
Tax Benefit

SSY Investment Calculator

years
0 yrs10 yrs
₹
₹250₹1,50,000
%
5%12%
Deposit Period
15 years from account opening
Maturity Period
21 years from account opening
Total Investment
—
15 years of deposits
Interest Earned
—
Tax-free interest
Maturity Value
—
Year: —
Daughter's Age
—
At maturity
Scheme Timeline
Deposit Period (15 yrs) Growth Only (6 yrs)

Investment vs Interest

Yearly Balance Growth

Year-wise Breakdown

Year Calendar Year Deposit Interest Cumulative Deposit Balance

Share Results

SSY Tax Benefits (EEE Category)

Sukanya Samriddhi Yojana qualifies for the EEE (Exempt-Exempt-Exempt) tax benefit — meaning your investment, interest, and maturity amount are all tax-free.

Investment
Tax Deductible

Under Section 80C up to ₹1.5 lakh

Interest Earned
Tax Free

Annual interest is not taxable

Maturity Amount
Tax Free

Full amount is exempt from tax

Goal Planner

Select a goal to see how SSY can help you plan for your daughter's future.

Education Fund
₹1,00,000/year investment
Build a corpus for higher education expenses including college tuition and professional courses.
Estimated Maturity: —
Marriage Fund
₹1,50,000/year investment
Create a substantial fund for your daughter's wedding and future financial security.
Estimated Maturity: —

About Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme launched under the Beti Bachao Beti Padhao campaign. It is designed to encourage parents to build a fund for the future education and marriage expenses of their girl child.

Key Features

  • Account can be opened for a girl child below 10 years of age
  • Parents/guardians can open account at any post office or authorized bank
  • Minimum annual deposit: ₹250; Maximum: ₹1,50,000
  • Deposits are made for the first 15 years from the date of account opening
  • Account matures 21 years from the date of opening
  • Interest is compounded annually at the rate set by the Government each quarter
  • Current interest rate: 8.2% per annum (Q1 FY 2025-26)
  • Maximum 2 accounts allowed (one per girl child, max 2 girl children)

Partial Withdrawal

Up to 50% of the balance can be withdrawn after the girl child turns 18, for higher education purposes.

Premature Closure

Premature closure is allowed after the girl child turns 18 for marriage, or in case of medical emergency of the account holder.

How Interest is Calculated

Interest is compounded annually on the balance. For each year during the deposit period (15 years), the annual deposit is added and interest is applied on the total balance. From year 16 to 21, no deposits are made but interest continues to compound on the existing balance.

Frequently Asked Questions