Sukanya Samriddhi Yojana (SSY) Calculator

Your details

Amount deposited each year. Minimum is INR 250 and maximum is INR 1,50,000 per financial year. Depositing before 5 April each year earns full interest for that year.
INR/year
Age of the girl child at the time of account opening. SSY can only be opened for a girl aged 10 years or below.
years
Current government-mandated rate is 8.2% p.a. (FY 2025-26). You can adjust this to model future rate changes.
% p.a.
Maturity amountDecent corpus
₹2,394,040

Total corpus at 21 years from account opening (tax-free)

Total deposited₹750,000
Total interest earned₹1,644,040
Girl's age at maturity24years
Year of maturity2,046
Annual tax saving (approx.)₹15,000
Interest as % of maturity0.7%
  • Account opens
  • Last deposit (Year 15)
  • Maturity (Year 21)

SSY matures at INR 23.9 lakh - interest earns more than principal

  • Your total deposits of INR 7.5 lakh over 15 years grow to INR 23.9 lakh at maturity - interest contributes 68.7% of the final corpus.
  • The EEE (Exempt-Exempt-Exempt) status means the deposits qualify for Section 80C deduction, the interest is completely tax-free, and the maturity payout is not taxed.
  • You are depositing INR 50,000/year. Increasing by INR 1.0 lakh to reach the maximum INR 1.5 lakh would significantly boost the final corpus and maximise your 80C deduction.
  • After the girl child turns 18, you can withdraw up to 50% of the balance for higher education - either as a lump sum or in up to five annual instalments.

Next stepConsider opening the SSY account as early as possible (ideally at birth) to maximise the 21-year compounding window. Deposit before 5 April each year to earn interest for the full year.

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