Sukanya Samriddhi Yojana Calculator
Plan your daughter's future — see the SSY maturity amount at 8.2% with year-by-year growth.
Min ₹250 — Max ₹1,50,000/year
Account for girls below 10 years
Current rate: 8.2% p.a.
Tax Benefits (EEE Status)
* SSY interest rate is revised quarterly by the Government of India. Current rate: 8.2% p.a. (subject to change). Calculator provides estimates based on assumed constant rate. Verify current rates at your nearest post office or bank.
Sukanya Samriddhi Yojana Calculator का उपयोग कैसे करें
- 1
Enter the yearly investment amount (₹250 to ₹1,50,000).
- 2
Enter the girl child's current age (0-10 years).
- 3
The interest rate is pre-set to the current 8.2% (adjustable).
- 4
View the maturity amount, total investment, and interest earned.
- 5
Toggle the year-by-year table to see annual growth details.
- 6
Check the tax benefits section for Section 80C deduction info.
Sukanya Samriddhi Yojana Calculator के बारे में
If you have a daughter under 10, Sukanya Samriddhi Yojana is probably the best risk-free investment you can make for her. At 8.2% interest (current rate), it beats FDs, PPF, and most debt funds — and the entire amount is tax-free at every stage. This SSY calculator shows you exactly how much your daughter's account will be worth at maturity.
The numbers that matter
Invest the maximum ₹1,50,000 per year for 15 years (that's ₹22.5 lakh total), and at 8.2%, the maturity value after 21 years is roughly ₹69 lakh. You put in ₹22.5 lakh, you get back ₹69 lakh — all tax-free. Even the minimum ₹250/year keeps the account active if money is tight in any particular year.
How SSY works
You deposit money for the first 15 years. Then you stop. But interest keeps compounding for 6 more years until the account matures at year 21. That last stretch of interest-on-interest is where a big chunk of the growth happens — and it costs you nothing extra. After your daughter turns 18, she can withdraw up to 50% for higher education or marriage.
The tax benefit is triple
- Invest: Get Section 80C deduction up to ₹1.5 lakh
- Grow: Interest earned is completely tax-free
- Withdraw: Maturity amount is also tax-free
Very few instruments in India have EEE (Exempt-Exempt-Exempt) status. PPF is one. SSY is another — with a higher interest rate. The calculator shows year-by-year growth so you can see exactly when deposits stop and interest takes over.