Sukanya Samriddhi Yojana Calculator

SSY maturity for a girl child (21-year scheme)

₹1,00,000
₹

Min ₹250 / Max ₹1.5 lakh per year. Deposits for 15 years; matures at year 21.

8.2%
%

Govt notifies quarterly (8.2% for current quarter)

Maturity (year 21)
₹47,88,079
+₹32,88,079 interest earned
Invested Returns
Total Invested (15 years)₹15,00,000
Interest Earned₹32,88,079
Maturity₹47,88,079
What this means for you
SSY is EEE-taxed (deposit, interest, maturity all tax-free) and offers among the highest fixed-income rates in India. Must be opened before the girl turns 10. Deposit qualifies for 80C; account matures 21 years from opening or on marriage after 18.
What to do next
Compare with PPF
Only for girl child below age 10 (one account per child, max two girls per family). Rate revised quarterly by GoI.
SSY rate per Govt of India quarterly notification
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Year-by-Year Breakdown
₹0₹10L₹20L₹30L₹40L₹50LYr 1Yr 5Yr 9Yr 13Yr 17Yr 21
InvestedInvestment value
YearInvestedReturnsValue
1₹1,00,000₹8,200₹1,08,200
2₹2,00,000₹25,272₹2,25,272
3₹3,00,000₹51,945₹3,51,945
4₹4,00,000₹89,004₹4,89,004
5₹5,00,000₹1,37,303₹6,37,303
6₹6,00,000₹1,97,761₹7,97,761
7₹7,00,000₹2,71,378₹9,71,378
8₹8,00,000₹3,59,231₹11,59,231
9₹9,00,000₹4,62,488₹13,62,488
10₹10,00,000₹5,82,412₹15,82,412
11₹11,00,000₹7,20,369₹18,20,369
12₹12,00,000₹8,77,840₹20,77,840
13₹13,00,000₹10,56,423₹23,56,423
14₹14,00,000₹12,57,849₹26,57,849
15₹15,00,000₹14,83,993₹29,83,993
16₹15,00,000₹17,28,680₹32,28,680
17₹15,00,000₹19,93,432₹34,93,432
18₹15,00,000₹22,79,894₹37,79,894
19₹15,00,000₹25,89,845₹40,89,845
20₹15,00,000₹29,25,212₹44,25,212
21₹15,00,000₹32,88,079₹47,88,079
End₹15,00,000₹32,88,079₹47,88,079
Formula & SourceSukanya Samriddhi Yojana Calculator
For y = 1 to 15: balance = (balance + D) × (1 + R/100)
For y = 16 to 21: balance = balance × (1 + R/100)

Deposits made for first 15 years only; account compounds for full 21 years.
Source: Sukanya Samriddhi Account Scheme, 2019 (MoF gazette)

Frequently Asked Questions

A parent or legal guardian, for a girl child below age 10. Maximum two accounts per family (three if second birth is twins).
Partial withdrawal (up to 50% of prior-year balance) after the girl turns 18 or finishes 10th standard. Full maturity at 21 years from account opening.
Yes — EEE. Deposits qualify for Section 80C (within ₹1.5L overall limit), interest is tax-free, maturity is tax-free.
All formulas are verified against the original government notification or Act (cited in the source line below the result). Numbers update in under a second on any input change, with no rounding-of-thousands like some competitors. For tax, slabs are sourced from the current Finance Act; for small savings, rates come from the quarterly government notification.
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