Sukanya Samriddhi Yojana (SSY) Calculator 2026
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Calculate your daughter's SSY maturity amount at 8.2% p.a. ✓ Updated June 2026
Formula: SSY Maturity Calculation
Where P = annual deposit, r = 8.2%, n = 15 (deposit years), k = 6 (remaining years to maturity without deposits). Deposits are made at year start.
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana (SSY) is a flagship savings scheme launched by the Government of India in January 2015 under the "Beti Bachao, Beti Padhao" campaign. It is designed specifically to help parents secure the financial future of their girl children — particularly for education and marriage expenses. The scheme offers one of the highest interest rates in the government savings portfolio (currently 8.2% p.a.), complete tax exemption under the EEE category, and government guarantee on returns. Parents of girl children below 10 years of age can open SSY accounts at any post office or authorised bank.
SSY Maturity Amount Table at 8.2% (2026)
Pre-calculated maturity values for common annual investment amounts at the current SSY rate of 8.2% p.a.:
| Annual Deposit | Monthly Equivalent | Total Deposited | Maturity Value (21 yrs) |
|---|---|---|---|
| ₹12,000 | ₹1,000 | ₹1,80,000 | ₹7,49,044 |
| ₹24,000 | ₹2,000 | ₹3,60,000 | ₹14,98,088 |
| ₹50,000 | ₹4,167 | ₹7,50,000 | ₹31,21,017 |
| ₹1,00,000 | ₹8,333 | ₹15,00,000 | ₹62,42,034 |
| ₹1,50,000 | ₹12,500 | ₹22,50,000 | ₹93,63,051 |
*At 8.2% p.a. compounded annually. Deposits made at start of each year for 15 years. Account matures at 21 years from opening.
SSY vs PPF vs FD: Which is Better?
| Feature | SSY | PPF | FD |
|---|---|---|---|
| Interest Rate | 8.2% | 7.1% | 6.5–7.5% |
| Tax on Interest | Tax Free | Tax Free | Taxable |
| 80C Benefit | Yes | Yes | Yes (5yr FD) |
| Eligibility | Girl child only | Anyone | Anyone |
| Lock-in | 21 years | 15 years | Flexible |
SSY wins on interest rate for girl children. PPF is better for flexibility. FD is better if you need liquidity.
सुकन्या समृद्धि योजना कैलकुलेटर
सुकन्या समृद्धि योजना (SSY) भारत सरकार की "बेटी बचाओ, बेटी पढ़ाओ" पहल के तहत शुरू की गई एक विशेष बचत योजना है। 10 साल से कम उम्र की बेटी के माता-पिता इस खाते को किसी भी पोस्ट ऑफिस या अधिकृत बैंक में खुलवा सकते हैं।
मुख्य लाभ: ब्याज दर 8.2% प्रतिवर्ष (जून 2026), धारा 80C के तहत ₹1.5 लाख तक कर छूट, ब्याज और परिपक्वता राशि पूरी तरह कर मुक्त (EEE स्थिति), न्यूनतम ₹250 से शुरू, अधिकतम ₹1,50,000 प्रतिवर्ष।
उदाहरण: यदि आप ₹50,000 प्रतिवर्ष 15 साल तक जमा करते हैं, तो 21 साल बाद परिपक्वता राशि लगभग ₹31.21 लाख होगी। कुल निवेश ₹7.5 लाख और ब्याज ₹23.71 लाख — यानी लगभग 4 गुना!
Sukanya Samriddhi Yojana (SSY) Guidelines
Sukanya Samriddhi Yojana (SSY) is a dedicated girl child savings scheme launched as part of the "Beti Bachao, Beti Padhao" campaign. It offers a high, government-regulated interest rate (currently 8.2% p.a.) and carries the Triple Exempt (EEE) tax status.
Key Rules & Eligibility Criteria
- Account Opening: Can be opened by parents or legal guardians for a girl child under the age of 10. A maximum of two accounts are permitted per family (three in case of twins/triplets).
- Investment Limit: Minimum ₹250 and maximum ₹1.5 Lakhs per financial year. Deposits must be made for 15 years, while the account matures after 21 years.
- Maturity & Withdrawals: Partial withdrawal (up to 50%) is allowed for the girl child's higher education after she reaches age 18 or passes the 10th standard. The account can be closed early upon marriage after age 18.