Sukanya Samriddhi Calculator
By Sagar Kumar · Updated 25 October 2026
Find out how much your daughter's Sukanya Samriddhi account will be worth at maturity — with a year-by-year table, using the current 8.2% rate.
| Total deposited (15 years) | — |
| Total interest earned | — |
| Maturity year | — |
| Daughter's age at maturity | — |
Year-by-year table
Rates shown are the Government of India rates for October–December 2026 (unchanged from the previous quarter). Rates are reviewed every quarter — you can edit the rate field.
How SSY maturity is calculated
You deposit for the first 15 years; the account matures after 21 years. Interest is calculated every month on the lowest balance between the 5th and the end of the month and added to the account once a year. So deposit before the 5th — a yearly deposit made before 5 April earns interest for the whole year.
Example: ₹1,50,000 every April for 15 years = ₹22.5 lakh deposited. At 8.2% it grows to about ₹71.8 lakh at maturity — roughly ₹49 lakh of tax-free interest. Paying ₹12,500 a month instead gives about ₹69.3 lakh, because part of each year's money goes in later.
SSY maturity for common deposits (8.2%)
| Yearly deposit | Total deposited | Maturity (approx.) |
|---|---|---|
| ₹12,000 | ₹1,80,000 | ₹5,74,570 |
| ₹25,000 | ₹3,75,000 | ₹11,97,020 |
| ₹50,000 | ₹7,50,000 | ₹23,94,040 |
| ₹1,00,000 | ₹15,00,000 | ₹47,88,079 |
| ₹1,50,000 | ₹22,50,000 | ₹71,82,119 |
Key rules
- Open for a girl below 10 years; one account per girl, up to two girls per family.
- Minimum ₹250, maximum ₹1,50,000 per financial year.
- Deposits for 15 years; maturity after 21 years from opening.
- 50% partial withdrawal allowed after the girl turns 18, for education or marriage.
- Section 80C deduction; interest and maturity tax free (old regime).
हिंदी में समझें
सुकन्या समृद्धि योजना में 15 साल तक पैसे जमा करने होते हैं और खाता 21 साल में मैच्योर होता है। अभी ब्याज दर 8.2% है। हर साल ₹1.5 लाख जमा करने पर मैच्योरिटी पर लगभग ₹71.8 लाख मिलते हैं (अगर पैसा हर साल 5 अप्रैल से पहले जमा करें)। साल में कम से कम ₹250 जमा करना ज़रूरी है।
Frequently asked questions
What is the Sukanya Samriddhi Yojana interest rate now?
8.2% a year for October–December 2026, compounded yearly. The government reviews the rate every quarter.
How much will I get if I deposit ₹1.5 lakh a year in SSY?
Depositing ₹1,50,000 every year for 15 years (₹22.5 lakh in total) grows to about ₹71.8 lakh at 8.2% when the account matures after 21 years — if each deposit is made before 5 April and the rate stays the same. Depositing later in the year earns less; ₹12,500 every month gives about ₹69.3 lakh.
For how many years do I have to deposit in Sukanya Samriddhi?
For 15 years from the date of opening. The account matures 21 years after opening; in the last 6 years no deposit is needed and the balance keeps earning interest.
What are the minimum and maximum SSY deposits?
Minimum ₹250 and maximum ₹1,50,000 in a financial year. If the minimum is missed, a penalty of ₹50 a year applies to revive the account.
Who can open a Sukanya Samriddhi account?
A parent or legal guardian of a girl child below 10 years of age, at a post office or authorised bank. One account per girl, and at most two girls per family (three in case of twins or triplets).
Can I withdraw money from SSY before maturity?
Up to 50% of the balance at the end of the previous financial year can be withdrawn for higher education or marriage after the girl turns 18. Full closure is allowed for her marriage after age 18.
Is Sukanya Samriddhi tax free?
Yes, it is EEE under the old tax regime: deposits qualify for Section 80C deduction (up to ₹1.5 lakh), and the interest and maturity amount are tax free.
Official sources: India Post · National Savings Institute