Sukanya Samriddhi Calculator - SSY Scheme Returns
Calculate Sukanya Samriddhi Yojana maturity amount and interest earned. Plan your daughter's future with this government-backed savings scheme.
Calculate Sukanya Samriddhi
Annual deposit (min ₹250, max ₹1.5 Lakh)
Current SSY rate: 8.2% (Q1 FY 2026-27)
Account can be opened for girl child below 10 years
Maturity Amount (at age 21)
₹47,88,077
Total Amount Deposited
₹15,00,000
Total Interest Earned
₹32,88,077
Breakdown
SSY Year-wise & Month-wise Breakdown
Total Deposited
₹15,00,000
Interest Earned
₹32,88,077
Maturity Amount
₹47,88,077
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹8,200 | ₹1,08,200 |
| 2 | ₹1,00,000 | ₹17,072 | ₹2,25,272 |
| 3 | ₹1,00,000 | ₹26,672 | ₹3,51,944 |
| 4 | ₹1,00,000 | ₹37,059 | ₹4,89,003 |
| 5 | ₹1,00,000 | ₹48,298 | ₹6,37,301 |
| 6 | ₹1,00,000 | ₹60,459 | ₹7,97,760 |
| 7 | ₹1,00,000 | ₹73,616 | ₹9,71,376 |
| 8 | ₹1,00,000 | ₹87,853 | ₹11,59,229 |
| 9 | ₹1,00,000 | ₹1,03,257 | ₹13,62,486 |
| 10 | ₹1,00,000 | ₹1,19,924 | ₹15,82,410 |
| 11 | ₹1,00,000 | ₹1,37,958 | ₹18,20,368 |
| 12 | ₹1,00,000 | ₹1,57,470 | ₹20,77,838 |
| 13 | ₹1,00,000 | ₹1,78,583 | ₹23,56,421 |
| 14 | ₹1,00,000 | ₹2,01,427 | ₹26,57,848 |
| 15 | ₹1,00,000 | ₹2,26,144 | ₹29,83,992 |
| 16 (no deposit) | — | ₹2,44,687 | ₹32,28,679 |
| 17 (no deposit) | — | ₹2,64,752 | ₹34,93,431 |
| 18 (no deposit) | — | ₹2,86,461 | ₹37,79,892 |
| 19 (no deposit) | — | ₹3,09,951 | ₹40,89,843 |
| 20 (no deposit) | — | ₹3,35,367 | ₹44,25,210 |
| 21 (no deposit) | — | ₹3,62,867 | ₹47,88,077 |
How to Use This Sukanya Samriddhi Calculator
Using our Sukanya Samriddhi Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.
All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.
The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.
Formula & Explanation
A = Σ [D × (1 + r)^(21-i)] for deposits in years 1 to 15SSY uses annual compounding similar to PPF. Deposits are made for the first 15 years, and the account continues to earn interest until maturity at 21 years from account opening. Current SSY interest rate is 8.2% p.a., one of the highest among government schemes.
Calculation Examples
Maximum Investment
₹1.5 Lakh/year at 8.2% for daughter aged 1
Maturity: ₹73.56 Lakhs | Deposited: ₹22.5 Lakhs | Interest: ₹51.06 Lakhs
Moderate Investment
₹50,000/year at 8.2% for daughter aged 3
Maturity: ₹22.49 Lakhs | Deposited: ₹7.5 Lakhs | Interest: ₹14.99 Lakhs
Minimum Regular Investment
₹12,000/year at 8.2% for daughter aged 5
Maturity: ₹4.85 Lakhs | Deposited: ₹1.8 Lakhs | Interest: ₹3.05 Lakhs
Benefits
- Highest interest rate among government schemes (8.2%)
- Complete tax-free returns (EEE status)
- Secure government-backed investment
- Partial withdrawal for daughter's education at 18
- Encourages long-term savings for girl child
Use Cases
- Planning daughter's higher education fund
- Saving for daughter's marriage expenses
- Tax-saving investment under Section 80C
- Building long-term corpus for girl child
- Combining with PPF for family savings strategy
About Sukanya Samriddhi Calculator
Our Sukanya Samriddhi Yojana (SSY) Calculator helps you estimate the maturity amount for your daughter's future. SSY is a government-backed small savings scheme for the girl child offering one of the highest interest rates among fixed-income instruments. Deposits are made for 15 years and the account matures 21 years from opening, making it ideal for education and marriage planning.
Frequently Asked Questions
The Sukanya Samriddhi Yojana (SSY) interest rate for Q1 FY 2026-27 is 8.2% per annum, making it one of the highest interest rates among government small savings schemes. The rate is reviewed quarterly by the Ministry of Finance and has remained steady across recent quarters. Interest is compounded annually and is fully tax-free under EEE status. Use the free Sukanya Samriddhi Calculator on AbacusHand to calculate your exact result instantly.
The maximum deposit in a Sukanya Samriddhi account is ₹1.5 lakh per year per account. The minimum deposit is ₹250 per year. Deposits must be made for the first 15 years from account opening, after which no fresh deposits are required but the account continues earning 8.2% until maturity at 21 years. Investing the maximum ₹1.5 lakh/year can grow to approximately ₹73-75 lakh at maturity. Use the free Sukanya Samriddhi Calculator on AbacusHand to calculate your exact result instantly.
The SSY account matures 21 years from the date of opening (not the girl's age). Partial withdrawal up to 50% of the balance is allowed after the girl turns 18 for higher education or marriage expenses. Full premature closure is allowed on marriage after the girl turns 18. On a ₹1.5 lakh/year investment from birth, the account matures when the daughter is 21+, yielding approximately ₹73 lakh. Use the free Sukanya Samriddhi Calculator on AbacusHand to calculate your exact result instantly.
SSY is better than PPF for a daughter's future due to a higher interest rate (8.2% vs 7.1%), the same EEE tax status, and a shorter deposit period (15 years vs 15 years active contribution in PPF). On ₹1.5 lakh/year, SSY yields approximately ₹73 lakh at maturity vs PPF around ₹65 lakh at 15 years. SSY is account-specific to one girl child; PPF is more flexible. Use the free Sukanya Samriddhi Calculator on AbacusHand to calculate your exact result instantly.
No, NRIs (Non-Resident Indians) cannot open a new Sukanya Samriddhi account. SSY is available only for resident Indian girls below 10 years of age. If a girl becomes an NRI after the account is opened, the account must be closed. The girl must be an Indian resident to maintain an SSY account. Resident Indians can open the account at any post office or authorized bank branch. Use the free Sukanya Samriddhi Calculator on AbacusHand to calculate your exact result instantly.
Related Calculators
SIP Calculator
Calculate SIP mutual fund returns
FD Calculator
Calculate fixed deposit maturity amount
Gold Investment Calculator
Calculate gold investment returns
Compound Interest Calculator
Calculate compound interest growth
PPF Calculator
Calculate PPF maturity amount
CAGR Calculator
Calculate compound annual growth rate
Mutual Fund Returns Calculator
Estimate SIP and lump sum mutual fund growth
NPS Calculator
Calculate National Pension System returns
Related Articles
investments - 9 min read
Power of Compounding: How ₹1,000/Month Becomes ₹1 Crore
Understand the power of compounding with real examples. See how small monthly investments of ₹1,000 can grow to ₹1 crore through disciplined investing.
planning - 12 min read
10 Best Retirement Planning Tips for Indians in 2026
Essential retirement planning tips for Indians. Learn how much to save, where to invest, and strategies to build a comfortable retirement corpus at any age.