Sukanya Samriddhi Yojana Calculator
Estimate the tax-free maturity amount of your SSY account at the current 8.2% rate. Updated for FY 2025-26.
Calculate SSY Maturity
About Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana (SSY) is a Government of India small-savings scheme launched in 2015 under Beti Bachao Beti Padhao. It is one of the highest-yielding tax-free debt instruments available to Indian parents, currently offering 8.2% p.a. for FY 2025-26.
The account can be opened at any post office or authorised bank for a girl child below 10 years. Deposits are made for the first 15 years, while interest continues to accrue until the 21st year — the date of maturity.
Key Features at a Glance
- Interest rate: 8.2% p.a. (compounded annually, FY 2025-26).
- Deposit window: 15 years from account opening.
- Maturity: 21 years from opening, or marriage post-18.
- Min deposit: ₹250/year. Max: ₹1.5 lakh/year.
- Tax status: EEE — 80C deduction, tax-free interest, tax-free maturity.
- Eligibility: Girl child below 10; max 2 accounts per family.
How the Calculation Works
The calculator deposits the yearly amount for the first 15 years and compounds the balance annually at 8.2% for the full 21-year tenure.
Example: ₹1.5 lakh/year for 15 years → Total invested ₹22.5 lakh, Maturity ≈ ₹69.8 lakh (entirely tax-free).
Frequently Asked Questions
What is the current SSY interest rate?
Who can open an SSY account?
When does SSY mature?
Is SSY interest tax-free?
Can I withdraw partially?
SSY vs PPF — which is better?
Official Sources & References
This SSY Calculator uses formulas, rates, and rules published by these authoritative Indian government and regulatory bodies. Always cross-check with the official source before making financial decisions.
Open SSY Account
India Post & authorised banks offer SSY account opening for girl child under 10.
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