Estimate what your daughter's Sukanya Samriddhi account will be worth at maturity.
₹
₹250 to ₹1,50,000 a year, for 15 years
%
Revised by the government every quarter
Maturity value (at 21 years)
₹71,82,119
Total deposited
₹22,50,000
Tax-free interest
₹49,32,119
SSY rules (2026)
Interest: 8.2% a year (October–December 2026), compounded yearly and revised every quarter.
Deposit ₹250 to ₹1,50,000 per financial year, for 15 years from opening.
The account matures 21 years after opening. From year 16 to 21 it keeps earning interest without new deposits.
A parent or guardian can open it before the girl turns 10.
EEE status: deposits (old regime deduction), interest and maturity are tax-free.
The calculator assumes each yearly deposit is made at the start of the financial year and the rate stays the same throughout. Real returns follow the government's quarterly rate.
Frequently asked questions
What is the current SSY interest rate?
8.2% for October–December 2026, unchanged since January 2024. Enter the latest rate if it changes.
When can money be withdrawn?
At maturity after 21 years. Partial withdrawal for education and closure on marriage are allowed under specific conditions. Check with your bank or post office.
SSY or PPF for my daughter?
SSY currently pays a higher rate (8.2% vs 7.1%) and is also tax-free, but money is locked until she is older. Many parents use both.