Sukanya Samriddhi Calculator — your daughter’s account at maturity
Enter the yearly deposit and your daughter’s age when the account is opened. See what the Sukanya Samriddhi Yojana account pays when it matures.
What the account pays
- Your deposits₹22,50,00031%
- Interest (tax-free)₹49,32,11969%
🎈 In today’s money at 6% inflation
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Start a goal →How it is calculated
A Sukanya Samriddhi account can be opened for a girl under 10. You deposit ₹250 to ₹1.5 lakh a year for 15 years from opening; the account matures 21 years after it was opened, and the last six years earn interest without deposits.
Interest is compounded once a year at the government rate — 8.2% for October–December 2026. Deposits qualify for 80C in the old regime, and interest and maturity are tax-free. The calculator assumes today’s rate for the whole term; the real rate changes quarterly.
Years 1–15: balance = (balance + deposit) × (1 + rate) Years 16–21: balance = balance × (1 + rate) Maturity = balance after year 21
Questions
What is the Sukanya Samriddhi interest rate?
8.2% a year for October–December 2026, among the highest of the small savings schemes.
When can money be withdrawn?
Up to half the balance once she turns 18 or passes Class 10, for higher education. The account can be closed early for her marriage after 18.
How many accounts can I open?
One per girl, and at most two per family — three in the case of twins or triplets.
Is it better than PPF?
The rate is higher (8.2% against 7.1%) and both are tax-free, but SSY is only for a daughter’s future and runs 21 years.
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