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Sukanya Samriddhi Yojana (SSY) Calculator

Maturity Year

2047

At Age 22

Total Investment

₹22,50,000

Total Interest

₹49,32,119

Maturity Value

₹71,82,119

Adjust Parameters

₹
₹250₹1,50,000
Yrs
1 Yrs10 Yrs
2,0242,035

Current Interest Rate: 8.2% p.a.

Wealth Breakdown

Maturity Amount

₹71,82,119

Invested
Interest

Wealth Accumulation Over 21 Years

Timeline SnapshotYear 2027
Total Invested₹1,50,000
Wealth Generated+₹12,300
Total Value₹1,62,300

💡 Hover or tap any bar to explore other years

YEARS
Total Invested
Wealth Generated

Year-by-Year Growth Projection

YearGirl's AgeTotal InvestedTotal InterestTotal Balance
20272₹1,50,000₹12,300₹1,62,300
20283₹3,00,000₹37,909₹3,37,909
20294₹4,50,000₹77,917₹5,27,917
20305₹6,00,000₹1,33,506₹7,33,506
20316₹7,50,000₹2,05,954₹9,55,954
20327₹9,00,000₹2,96,642₹11,96,642
20338₹10,50,000₹4,07,067₹14,57,067
20349₹12,00,000₹5,38,846₹17,38,846
203510₹13,50,000₹6,93,732₹20,43,732
203611₹15,00,000₹8,73,618₹23,73,618
203712₹16,50,000₹10,80,554₹27,30,554
203813₹18,00,000₹13,16,760₹31,16,760
203914₹19,50,000₹15,84,634₹35,34,634
204015₹21,00,000₹18,86,774₹39,86,774
204116₹22,50,000₹22,25,989₹44,75,989
204217₹22,50,000₹25,93,020₹48,43,020
204318₹22,50,000₹29,90,148₹52,40,148
204419₹22,50,000₹34,19,840₹56,69,840
204520₹22,50,000₹38,84,767₹61,34,767
204621₹22,50,000₹43,87,818₹66,37,818
204722₹22,50,000₹49,32,119₹71,82,119

Maximizing Returns with Sukanya Samriddhi Yojana

The Sukanya Samriddhi Yojana currently offers one of the highest interest rates among all government-backed small savings schemes (8.2% p.a.). Because the interest is compounded yearly and remains completely tax-free, the wealth generation is staggering. For example, depositing the maximum limit of ₹1.5 Lakh every year for 15 years means you invest ₹22.5 Lakh out of pocket. By the end of the 21-year maturity period, your daughter will receive a corpus of over ₹70 Lakh.

Pro Tip: SSY interest is calculated on the lowest balance between the 5th and the end of each month. To maximize your returns, aim to make your yearly deposit before the 5th of April every financial year.

Calculate maturity amount and tax-free returns for your daughter's future under the Sukanya Samriddhi Yojana (SSY) scheme.

Sukanya Samriddhi Yojana — Frequently Asked Questions

Everything you need to know about the SSY rules, interest rates, and tax benefits.

Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme introduced under the "Beti Bachao, Beti Padhao" campaign. It is specifically designed to encourage parents to build a fund for the future education and marriage expenses of their female child.

You only need to deposit money for the first 15 years from the date of opening the account. However, the account continues to earn interest and fully matures after 21 years.

An SSY account can be opened anytime before the girl child attains the age of 10 years. A family can open a maximum of two SSY accounts for two girl children.

Yes! SSY falls under the highly attractive EEE (Exempt-Exempt-Exempt) category. Your annual deposits up to ₹1.5 Lakh are tax-deductible under Section 80C, the interest earned annually is tax-free, and the final maturity amount is completely exempt from income tax.

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