Sukanya Samriddhi
Yojana Calculator 2025
Calculate SSY maturity amount at 8.2% interest. Monthly & yearly deposit option. Year-wise growth chart & balance table.
Rate: 8.2% p.a.
🧾 EEE Tax-Free
⏳ 21-Year Maturity
🎯 Goal-based SIP
8.2%
Interest Rate 2025
₹1.5L
Max/year (80C)
21 Yrs
Maturity Period
EEE
Tax Status
Investment Details
ℹ️ Deposits for 15 years · Matures at 21 years · Rate: 8.2% p.a.
Deposit Frequency
₹5,000
₹250/mo₹12,500/mo
8.2%
5%12%
0 Yrs
0 Yrs9 Yrs
👧
SSY Maturity Value Appears Here
Adjust the sliders and click Calculate to see maturity amount, year-wise balance & growth chart.
SSY Maturity Summary
📊 Year-wise Balance Growth
Total Deposited
Interest Earned
Balance
📅 Year-by-Year Balance Table
▼
Required Deposit to Reach Goal
Required Monthly Deposit
—
Required Yearly Deposit
—
🌟 Key Benefits of Sukanya Samriddhi Yojana
Highest Rate Among Small Savings
SSY offers 8.2% p.a. — higher than PPF (7.1%), NSC (7.7%), and most FDs. Government-guaranteed returns.
Triple Tax Exemption (EEE)
Deposits qualify for 80C deduction (up to ₹1.5L/year). Interest earned and maturity amount are both fully tax-free.
Government Guaranteed
SSY is backed by the Government of India. Available at all post offices and major banks. Zero credit risk.
Flexible Deposits
Minimum ₹250/year. Maximum ₹1.5 lakh/year. Can make multiple deposits in any instalment amount within a financial year.
Partial Withdrawal for Education
Up to 50% of balance can be withdrawn after daughter turns 18, for higher education expenses — no penalty.
Compounding Advantage
Interest compounds annually for the full 21-year period — including the 6 years after deposits stop. Longer compounding = higher wealth.
⚖️ SSY vs PPF — Detailed Comparison
| Parameter | Sukanya Samriddhi (SSY) | Public Provident Fund (PPF) |
|---|---|---|
| Interest Rate (2025) | 8.2% p.a. | 7.1% p.a. |
| Who Can Invest | Parents of girl child (age ≤ 10 yrs) | Any Indian resident individual |
| Minimum Deposit | ₹250/year | ₹500/year |
| Maximum Deposit | ₹1,50,000/year | ₹1,50,000/year |
| Maturity Period | 21 years from opening | 15 years (extendable) |
| Deposit Duration | Only first 15 years | Every year (15+ years) |
| Tax Benefit (80C) | ✅ Yes (up to ₹1.5L) | ✅ Yes (up to ₹1.5L) |
| Interest Tax | ✅ Fully Tax-Free | ✅ Fully Tax-Free |
| Maturity Tax | ✅ Fully Tax-Free | ✅ Fully Tax-Free |
| Partial Withdrawal | After 18 yrs (50% for education) | From 7th year onwards |
| Premature Closure | Only in special cases | Only in special cases |
| Best For | 👧 Girl child future goals | Anyone — retirement / long-term |
| Return on ₹5K/month × 15 yrs | ~₹27.7 lakh (at 21 yrs) | ~₹16.3 lakh (at 15 yrs) |
* Returns are indicative at current rates. SSY rate is reviewed quarterly by the Ministry of Finance.
What is Sukanya Samriddhi Yojana? How Does This Calculator Work?
Sukanya Samriddhi Yojana (SSY) is a government savings scheme launched in 2015 under the Beti Bachao, Beti Padhao initiative. It is specifically designed to secure the financial future of a girl child — for education, marriage, or any life goal. An account can be opened at any post office or authorised bank for a girl below 10 years of age.
⚙️ How SSY Interest is Calculated
Interest is compounded annually at the government-notified rate (currently 8.2% p.a. for 2025). The key SSY rule: you deposit for 15 years, but the account continues to earn interest up to 21 years. Those extra 6 years of compounding with no additional deposits are the secret to SSY's wealth multiplication.
- Years 1–15: Regular deposits + annual compounding
- Years 16–21: No deposits; accumulated balance continues to compound at 8.2% p.a.
- Year 21: Full maturity — tax-free lump sum payout
📌 Example: ₹5,000/month SSY for 15 years @ 8.2%
Monthly Deposit
₹5,000
Annual Deposit
₹60,000
Deposit Years
15 Years
Total Invested
₹9 Lakh
Interest Earned
₹18.7 Lakh
Maturity (21 yr)
₹27.7 Lakh
Tax Saved (80C)
~₹2.81 Lakh
Tax on Returns
₹0 (EEE)
💡 Why Start SSY Early?
Opening the account as soon as the girl is born gives the maximum benefit. A ₹5,000/month investment started at birth grows to ₹27.7 lakh at 21 years. Starting at age 5 reduces the effective compounding window and lowers the corpus significantly — because you still deposit for 15 years but the account closes when she turns 26 (not 21). Starting early is the single biggest leverage in SSY.
🎯 SSY as a Crorepati Goal
To accumulate ₹1 crore through SSY by maturity at 8.2%, you would need to invest approximately ₹18,000/month (₹2.16 lakh/year) — which exceeds the ₹1.5L annual cap. The maximum possible maturity from SSY is approximately ₹69.8 lakh (investing ₹12,500/month = ₹1.5L/year for 15 years at 8.2%). SSY is best used alongside SIP or PPF for a comprehensive goal plan.
🔢 More Financial Calculators — Arthzo
❓ Frequently Asked Questions — Sukanya Samriddhi Yojana
What is Sukanya Samriddhi Yojana (SSY)?+
SSY is a government-backed small savings scheme launched in 2015 under the Beti Bachao, Beti Padhao initiative. It can be opened for a girl child below 10 years at any post office or authorised bank. It offers one of the highest interest rates (8.2% p.a.) among all government savings schemes, with full EEE tax exemption.
What is the SSY interest rate in 2025?+
The Sukanya Samriddhi Yojana interest rate for FY 2025-26 is 8.2% per annum, compounded annually. The rate is set by the Ministry of Finance and reviewed every quarter. Historically, SSY rates have ranged from 7.6% to 9.2%. The current rate of 8.2% makes it one of the most attractive government savings options for long-term goals.
How much will ₹5,000/month invested in SSY grow to?+
At ₹5,000/month (₹60,000/year) for 15 years at 8.2%, the approximate SSY maturity amount at 21 years is ~₹27.7 lakh against a total investment of ₹9 lakh. The interest earned is approximately ₹18.7 lakh — all completely tax-free. Use the calculator above for your exact values based on deposit amount.
Is SSY better than PPF?+
For parents with a girl child, SSY is generally better than PPF because: (1) Higher rate — 8.2% vs 7.1%; (2) Same EEE tax status; (3) Specifically designed for girl child's future goals. PPF is more flexible (shorter tenure, any investor), while SSY offers higher returns for a dedicated girl child corpus. Ideally, combine both for comprehensive planning.
Can I withdraw money from SSY before 21 years?+
Partial withdrawal: Up to 50% of the balance (as of end of previous financial year) can be withdrawn after the girl turns 18, strictly for higher education expenses (admission fees, fee receipts required).
Premature closure is allowed only in special cases: account holder's death, life-threatening disease, or marriage of the girl after turning 18. Normal premature closure is not permitted.
Premature closure is allowed only in special cases: account holder's death, life-threatening disease, or marriage of the girl after turning 18. Normal premature closure is not permitted.
Is SSY tax-free? What are the tax benefits?+
SSY enjoys EEE (Exempt-Exempt-Exempt) tax status — the best possible tax treatment in India:
1. Deposits: Up to ₹1.5 lakh/year qualifies for Section 80C deduction (saves ₹46,800/year in the 30% bracket)
2. Interest: Fully tax-exempt each year
3. Maturity amount: Completely tax-free
This makes SSY far superior to FDs, RDs, and even some mutual funds from a post-tax return perspective.
1. Deposits: Up to ₹1.5 lakh/year qualifies for Section 80C deduction (saves ₹46,800/year in the 30% bracket)
2. Interest: Fully tax-exempt each year
3. Maturity amount: Completely tax-free
This makes SSY far superior to FDs, RDs, and even some mutual funds from a post-tax return perspective.
What happens if I miss a deposit year in SSY?+
If the minimum ₹250 deposit is not made in a financial year, the account becomes irregular/inactive. It can be revived by paying a penalty of ₹50 per missed year along with the minimum deposit for that year. The account must be revived before the 15-year deposit period ends. After the deposit period, the account continues to earn interest without any deposits required.
How many SSY accounts can I open?+
You can open one SSY account per girl child, and a maximum of two SSY accounts per family (one for each daughter). In the case of twin girls in the second birth, or triplets, an exception allows up to three accounts. NRIs are not eligible to open new SSY accounts; existing accounts may be closed if residency changes.
⚠️ Disclaimer: This calculator is for informational purposes only. SSY interest rates are reviewed quarterly by the Ministry of Finance and may change. Returns shown are based on the current 8.2% p.a. rate applied throughout the tenure, which may not reflect actual future rates. Please verify the latest rates at your bank or post office. This does not constitute financial advice.
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