๐ŸŒธ Girl Child Savings

Sukanya Samriddhi Yojana Calculator

See exactly how much your SSY investment grows. Enter your yearly deposit and get the maturity amount, total interest and a full year-wise breakdown at the current 8.2% rate.

๐Ÿ’ฐ Your SSY Investment

Min โ‚น250, max โ‚น1,50,000 per financial year.
Current rate for Aprโ€“Jun 2026 is 8.2%. It is revised quarterly.
Deposits run for 15 years; maturity is 21 years from opening.
๐Ÿ’ก You deposit for 15 years. From year 16 to 21 no deposit is needed, but your balance keeps earning interest until it matures at the end of year 21.

๐ŸŽฏ Maturity Result

Maturity Amount (tax-free)
โ€”
Total deposited (15 years)โ€”
Total interest earnedโ€”
Maturity yearโ€”
Interest rate usedโ€”

๐Ÿ“… Year-wise growth

YearDepositInterestBalance

About Sukanya Samriddhi Yojana (SSY)

Sukanya Samriddhi Yojana is a Government of India small-savings scheme launched under the Beti Bachao Beti Padhao campaign, designed to help parents build a secure fund for a girl child's education and marriage. It currently offers 8.2% interest per annum (Q1 FY2026-27), compounded annually โ€” among the highest of all government savings schemes.

Key Rules

โš ๏ธ Disclaimer: This calculator gives an estimate assuming a constant interest rate for the full tenure. In reality the SSY rate is revised every quarter by the Government, so your actual maturity amount will differ. Figures are for informational purposes only and are not financial advice. Always confirm current rules and rates with India Post or your bank.

Frequently Asked Questions

What is the SSY interest rate in 2026?

8.2% per annum for Q1 FY2026-27 (Aprilโ€“June 2026), compounded annually. Reviewed quarterly.

How long do I deposit and when does it mature?

Deposit for 15 years; the account matures 21 years from opening, earning interest in the gap years even without deposits.

What are the deposit limits?

Minimum โ‚น250 and maximum โ‚น1,50,000 per financial year. Deposits qualify for Section 80C under the old tax regime.

Is the maturity amount tax-free?

Yes โ€” SSY has EEE status, so deposits, interest and maturity proceeds are all tax-exempt.

How much for โ‚น1.5 lakh per year?

About โ‚น70โ€“72 lakh at maturity (โ‰ˆโ‚น49 lakh of it tax-free interest), at a constant 8.2% rate.