Sukanya Samriddhi Yojana Calculator
Plan savings for your daughter with SSY scheme calculator.
Annual Interest Rate
8.2% p.a. (Fixed)
Compounded
Quarterly
Deposit Period
15 Years
Maturity Period
21 Years
SSY Maturity Formula
A = P { (1 + r/n)^(n×t) }
A = Compound interest (maturity amount)
P = Principal amount (annual deposit) = ₹ 1,00,000
r = Interest rate = 8.2%
n = Compounding frequency = 4 (quarterly)
t = Tenure in years = 21 years
Your Calculation
Annual deposit = ₹ 1,00,000 for 15 years
Compounded quarterly at 8.2% for 21 years
A = ₹ 1,00,000 × (1 + 0.08199999999999999/4)^(4 × 21)
Deposits stop after year 15, balance continues to grow until year 21
Maturity = ₹ 49,65,954
* Lock-in: deposits for 15 yrs, then interest accrues for remaining 6 yrs
Maturity Value (at age 26)
₹49,65,954
* Tax-free under Section 80C • EEE status (Exempt-Exempt-Exempt)
Sukanya Samriddhi Yojana (SSY) Calculator
Build a bright future for your daughter with the SSY scheme, one of India's most rewarding small savings plans. Our sukanya samriddhi yojana calculator is a free online tool that helps you estimate the maturity amount your daughter will receive at age 21, based on your monthly or yearly contributions.
How the SSY Calculator Works
The SSY calculator uses the latest government-notified interest rates to provide accurate projections. To use the tool, simply enter:
Minimum ₹250 to maximum ₹1.5 Lakh.
The account can be opened for any girl child below 10 years.
The year you intend to begin the investment.
The tool will display the Total Investment, Total Interest Earned, and the Maturity Value at the end of the 21-year tenure.
Benefits of Investing in the SSY Scheme
The sukanya yojana calculator shows you the power of compounding. Investing in this scheme offers:
Usually higher than PPF or FD rates.
Deductions under Section 80C up to ₹1.5 Lakh.
50% of the balance can be withdrawn for higher education once the girl child turns 18.
Being a government-backed scheme, your principal and interest are 100% safe.
Latest Sukanya Samriddhi Yojana Details (2026)
As of the current quarter in 2026, the Sukanya Samriddhi Yojana interest rate is maintained at 8.2% per annum (compounded annually). Here is a quick snapshot of the SSY scheme features:
| Feature | Details |
|---|---|
| Current Interest Rate | 8.2% p.a. (FY 2026-27) |
| Minimum Deposit | ₹250 per financial year |
| Maximum Deposit | ₹1,50,000 per financial year |
| Deposit Tenure | 15 years from the date of opening |
| Maturity Period | 21 years (or marriage after age 18) |
| Tax Status | Triple Tax Benefit (Exempt-Exempt-Exempt) |
Frequently Asked Questions
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