👧 Sukanya Samriddhi Calculator
Calculate your SSY maturity amount, total interest earned, and year-wise growth for your girl child's Sukanya Samriddhi Yojana account.
Min ₹250, Max ₹1,50,000/year
Account can be opened for girls aged 0–10
Current govt. rate: 8.2%
SSY Maturity Summary
Maturity Amount (after 20 years)
₹22,12,606
Total Deposited (15 years)
₹7,50,000
Total Interest Earned
₹14,62,606
🎯 Tax Benefits
Deposits qualify for Section 80C deduction (up to ₹1.5L/year). Interest + maturity are 100% tax-free (EEE status).
📋 Year-wise Breakdown
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹50,000 | ₹4,100 | ₹54,100 |
| 2 | ₹50,000 | ₹8,536 | ₹1,12,636 |
| 3 | ₹50,000 | ₹13,336 | ₹1,75,972 |
| 4 | ₹50,000 | ₹18,530 | ₹2,44,502 |
| 5 | ₹50,000 | ₹24,149 | ₹3,18,651 |
| 6 | ₹50,000 | ₹30,229 | ₹3,98,881 |
| 7 | ₹50,000 | ₹36,808 | ₹4,85,689 |
| 8 | ₹50,000 | ₹43,926 | ₹5,79,615 |
| 9 | ₹50,000 | ₹51,628 | ₹6,81,244 |
| 10 | ₹50,000 | ₹59,962 | ₹7,91,206 |
Frequently Asked Questions
What is Sukanya Samriddhi Yojana?
SSY is a government-backed savings scheme for the girl child, launched under Beti Bachao Beti Padhao. It offers one of the highest interest rates among small savings schemes and full tax exemption.
Who can open an SSY account?
A parent or legal guardian can open an SSY account for a girl child below 10 years of age. Maximum 2 accounts are allowed (one per girl child).
What is the minimum and maximum deposit?
Minimum deposit is ₹250 per year and maximum is ₹1,50,000 per year. Deposits must be made for 15 years from account opening.
When does the SSY account mature?
The account matures 21 years after opening. Partial withdrawal (up to 50%) is allowed after the girl turns 18 for education or marriage.
Is SSY tax-free?
Yes, SSY enjoys EEE (Exempt-Exempt-Exempt) status. Deposits qualify for 80C deduction, interest earned is tax-free, and the maturity amount is also fully tax-free.
What is the current SSY interest rate?
The current SSY interest rate is 8.2% per annum (Q1 FY 2025-26), compounded annually. The rate is reviewed quarterly by the government.