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Sukanya Samriddhi Yojana Calculator

Calculate the maturity value of a Sukanya Samriddhi account from the yearly deposit, girl's age and SSY interest rate. Year-by-year table. Free.

Maturity value
₹71,82,119
Total invested
₹22,50,000
Total interest
₹49,32,119
Maturity year
2047
Her age at maturity
26 years
YearDepositInterestBalance
2026₹1,50,000₹12,300₹1,62,300
2027₹1,50,000₹25,609₹3,37,909
2028₹1,50,000₹40,009₹5,27,917
2029₹1,50,000₹55,589₹7,33,506
2030₹1,50,000₹72,448₹9,55,954
2031₹1,50,000₹90,688₹11,96,642
2032₹1,50,000₹1,10,425₹14,57,067
2033₹1,50,000₹1,31,779₹17,38,846
2034₹1,50,000₹1,54,885₹20,43,732
2035₹1,50,000₹1,79,886₹23,73,618
2036₹1,50,000₹2,06,937₹27,30,554
2037₹1,50,000₹2,36,205₹31,16,760
2038₹1,50,000₹2,67,874₹35,34,634
2039₹1,50,000₹3,02,140₹39,86,774
2040₹1,50,000₹3,39,215₹44,75,989
2041₹0₹3,67,031₹48,43,020
2042₹0₹3,97,128₹52,40,148
2043₹0₹4,29,692₹56,69,840
2044₹0₹4,64,927₹61,34,767
2045₹0₹5,03,051₹66,37,818
2046₹0₹5,44,301₹71,82,119

How a Sukanya Samriddhi account grows

Sukanya Samriddhi Yojana (SSY) is a government savings scheme for girls under 10. You deposit between ₹250 and ₹1.5 lakh a year for 15 years, and the account matures 21 years after it's opened, earning interest the whole time. Interest compounds yearly at the rate the government sets each quarter (8.2% recently). Depositing ₹1.5 lakh every year gives about ₹71.8 lakh at maturity from ₹22.5 lakh invested. Deposits qualify for Section 80C, and the interest and maturity amount are tax-free.

How to use it

  1. 1

    Enter the yearly deposit

    Between ₹250 and ₹1,50,000.

  2. 2

    Add her age and start year

    The girl's age today and when the account opens.

  3. 3

    See the maturity value

    Total invested, interest and the year of maturity.

Frequently asked questions

How long do I have to deposit?

15 years from opening. The account then earns interest until it matures at 21 years.

What is the current SSY interest rate?

The government reviews it every quarter; it has been 8.2% a year recently. Change the rate field to match the latest announcement.

Can money be withdrawn early?

Up to 50% of the balance can be withdrawn for education once she turns 18. The account can be closed early for her marriage after 18.

Is SSY tax-free?

Yes. It is EEE: deposits get 80C deduction, and interest and maturity are tax-free (under the old tax regime for the deduction).

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